Royal Sundaram Overseas Travel Insurance Plan
Royal Sundaram Overseas Travel Insurance Plan
Gaining new experiences is one of the most essential aspects of life. Travelling possesses the power to transform us; it serves as a stimulant to the body and the mind and brings about a heightened sense of joy in our lives. So, whether it is a vacation that you are looking forward to or a business trip, travelling overseas is surely an exciting affair and one you need to be prepared for. Opting for a travel insurance plan protects you from unforeseen circumstances that include medical and non-medical emergencies.
It is all about being proactive and ensuring that you do not experience any form of discomfort, especially when you are away from your native country. Designed to secure you from risks, Royal Sundaram’s Overseas Travel Plan offers total coverage against loss of baggage, any form of baggage delays, flight delays, loss of essential documents, and medical expenses, at the most affordable rates. The packages offered by Royal Sundaram ensure that all your trips are risk and hassle-free.
Key Features
24 X 7 dedicated customer helpline, facility to chat online for information.
Easy, ISO-certified Claims process.
Flexible cover with attractive Premium rates.
Benefits
1. Medical
- Medical advice over the telephone.
- Medical services provider referral.
- Arrangement of hospital admissions.
- Monitoring of medical condition during hospitalization.
- Direct settlement for in-hospital medical expenses.
- Arrangement of emergency medical evacuation.
- Arrangement of medical repatriation.
- In the unfortunate event of death, the arrangement of transportation of mortal remains is.
- Medical expenses are covered for up to 60 days even after the expiry of the Policy if the person is undergoing medical treatment.
- If emergency treatment can be provided in India and a person's transportation is possible, we will cover treatment for up to 30 days in India.
2. Trip
- Innoculation and Visa requirement information.
- Lost baggage and lost Passport assistance.
- Embassy referral service.
- Exchange rate information.
3. General
- Legal referral service.
- Weather information.
- Interpreter referrals.
- Emergency message transmission service.
- Information on claims procedure.
Good health is extremely important, especially while traveling in a foreign country. But there is nothing to worry because Royal Sundaram covers your complete health expenses if any, on the trip. The plan includes:
Overseas Medical Covers of up to US$ 150,000.
Security against unexpected emergency surgeries, diagnostic tests (such as X-Ray, blood tests, scans) and medical aid prescribed by the attending physician
Covers emergencies and essential dental treatments
Bears the cost of transportation during medical emergencies
If you are a frequent traveller, then you must be well aware of the possibilities of delays, loss of luggage, etc. In order to combat these situations, Royal Sundaram’s Travel Insurance has solutions that allow you to travel worry-free. Here’s what it includes:
Total coverage for loss of checked-in baggage
Coverage for delays of checked-in baggage which includes reimbursement for emergency purchase of clothing and toiletries, up to a certain limit
Coverage for loss of travel documents which includes reimbursements and reissuing duplicate documents
You can also avail hijack distress allowance under this scheme
This package provides a unique coverage for your home/residence in India, up to Rs. 2 Lakh. It is essential in case of house breaks, fire related incidents, theft, etc. while you are on a trip abroad. Royal Sundaram Travel Insurance is one of the very few insurers to cover Home Insurance in India. This helps you travel worry-free and with complete peace of mind.
You can avail the facility of automatic extension, where your insurance period is extended by another 7 days before the eventual expiration date. This is useful especially during times when there is an unexpected delay that cannot be avoided.
Royal Sundaram will provide a cover of up to US$ 200,000, if you become a legal liability to a third party abroad.
Royal Sundaram provides cover in case of an unfortunate accident. This coverage is available for disabilities, as well as deaths.
Compensation is provided for the transportation of mortal remains to one’s own country, in case of the unfortunate and untimely death of the insured.
Exclusions
This travel insurance policy does not cover claims arising out of exclusions. Some of the important exclusions are stated here. For details please refer the policy wording.
1. Overseas Health cover
- Claims arising out of pre-existing diseases, whether known or unknown and complications arising from them.
- Pregnancy and related complications.
- Medical expenses incurred as a result of alcohol and/or drug abuse, addiction or overdose.
- Treatment that could reasonably be delayed until the Insured Person's return to the Republic of India.
- Any costs related to mental or psychiatric disorders.
2. Personal Accident Cover
Accident whilst engaging in aviation or ballooning, except when the Insured Person is flying as a fare paying passenger on a multi engine, commercial aircraft.
Any claim for death or Disablement of the Insured Person from,
(a) Intentional self-injury, suicide or attempted suicide.
(b) Whilst under the influence of intoxicatin liquor or drugs.
(c) Self-endangerment unless in self-defense or to save life.
3. General Exclusions
Any claim arising out of sporting activities in so far as they involve in training or participation in competitions of professional or semiprofessional sports persons, unless declared beforehand and necessary additional premium paid.
FAQs
Who can be insured?This comprehensive package can insure infants over 90 days old and adults, up to the age of 70 years, for all their trips outside of the country. Before you apply for the plan, you need to clarify the purpose of your visit, as these plans are not available for immigration or education overseas.
The duration of the Cover
There are two types of plans that you can choose from, as per your need: Single Trip plans and Multi-Trip Plans..
1. Single Trip Travel Insurance
This comprehensive plan commences as soon as you board the flight for your trip and is valid until you return. The cover may also cease in accordance with your insurance period, i.e., the duration for which the premium has been paid. You can avail this cover for a period of 180 days.
2. Multi Trip Travel Insurance
This plan is an annual insurance plan that is valid for a period of 365 days. This means you can enjoy innumerable trips throughout the year but under one simple condition: The duration of your trips should not exceed 45 days. Also, in order to avail this cover, you need to ensure that the total number of days spent abroad should not exceed 180 days.
