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Royal Sundaram Overseas Travel Insurance Plan

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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 Benefits of Royal Sundaram Travel Insurance

  • Get Policy within 5 minutes, without documentation or medical tests, online.
  • 24 X 7 dedicated customer helpline, facility to chat online for information.
  • Easy, ISO certified Claims process.
  • Flexible cover with attractive Premium rates.
  • Cashless hospitalisation in abroad.


Exclusive features of Royal Sundaram Travel Insurance

1. Medical

  • Medical advice over telephone.
  • Medical services provider referral.
  • Arrangement of hospital admissions.
  • Monitoring of medical condition during hospitalisation.
  • Direct settlement for in-hospital medical expenses.
  • Arrangement of emergency medical evacuation.
  • Arrangement of medical repatriation.
  • In the unfortunate event of death, arrangement of transportation of mortal remains.
  • Medical expense covered up to 60 days even after the expiry of Policy, if person is undergoing medical treatment.
  • If emergency treatment can be provided in India and 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.


Risks Coverage * Multi Trip Single Trip Deductibles
Overseas Health Cover 100000 150000 25000 50000 100000 150000 USD 100
Emergency Dental treatment 400 400 300 300 400 400 USD 150
Repatriation of remains 7500 7500 7500 7500 7500 7500 Nil
Hospital Daily Allowance (after 72 hours) 15/day (a max of 150) 15/day (a max of 150) NA NA NA NA 72 hrs
Accidental Death & dismemberment 24 hours 25000 25000 5000 10000 15000 15000 Nil
Accidental Death & dismemberment Common Carrier NA NA NA NA 5000 5000 Nil
Loss of Checked Baggage 1000 1000 250 500 1000 1000 Nil
Baggage Delay (After 12 hrs) 100 100 50 50 100 100 12 hours
Loss of Passport, Visa 250 250 250 250 250 250 USD 30
Hijack Distress Allowance 100 per Day 100 per Day NA NA 100 per Day 100 per Day 24 hrs
Max 500 Max 500     Max 500 Max 500
Trip Delay(After 12 hrs) 10 per 12 hrs 10 per 12 hrs NA NA 10 per 12 hrs 10 per 12 hrs 12 hrs
Max 100 Max 100     Max 100 Max 100
Home Insurance (Per Family) 200000(INR) 200000(INR) NA NA 100000 (INR) 100000 (INR) Nil
Personal Liability 200000 200000 50000 100000 100000 100000 USD 200
Automatic Extension of Policy up to 7 days extension Yes Yes Yes Yes Yes Yes Nil
 * In USD except where stated otherwise


Exclusions from Travel Health Insurance

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.

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. 

The coverage provided by Royal Sundaram Travel Insurance 

1. Health Cover
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
2. Inconvenience caused during the trip
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
3. Home Insurance
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.
4. Automatic Extension
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.
5. Personal Liability
Royal Sundaram will provide a cover of up to US$ 200,000, if you become a legal liability to a third party abroad.
6. Personal Accident
Royal Sundaram provides cover in case of an unfortunate accident. This coverage is available for disabilities, as well as deaths.
7. Repatriation of remains
Compensation is provided for the transportation of mortal remains to one’s own country, in case of an unfortunate and untimely death of the insured.


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