COVERAGES

Overseas Health Insurance

• Coverage in case of hospitalization due to accidental injury or illness while on international trip
• Coverage for card holder along with spouse (accompanying with card holder) will be covered under the policy
• Geographical location – Worldwide
• Any claims arising out of Pre-existing disease and maternity are not covered
• Aggregate Limit (Per incident) for Accidental Death is $ 100000
• Maximum Trip Duration is 60 days per person per trip
• Claim will be admissible only in case if travel ticket is booked through eligible Credit Card which is covered under the policy
• Age group – Up to 65 years
• Claim settlement mode – On reimbursement
• Any Policy/Certificate of Insurance are non-refundable after the commencement of trip or if any claim has been lodged under such Policy/Certificate of insurance
• Premium shall not be refunded in case of any claims being paid under the policy
• Group Administrator to ensure that minimum 7 lives will be enrolled in policy
• Group Administrator relationship is direct relationship with Group members

Exclusions under International health insurance

• Where the Insured Person is travelling against the advice of a Medical Practitioner; or receiving or on a waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining treatment; or has received a terminal prognosis for a medical condition.
• Treatment which could be reasonably delayed until the Insured Person's return to place of Residence.
• Any Claim occurring in a geographic zone/city/state which is not specifically covered under the Policy and is not mentioned in the Policy Schedule/ Certificate of Insurance
• Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness.
• Certification / diagnosis / Treatment by a family member, or a person who stays with the Insured Person, or from persons not registered as Medical Practitioners under the respective Medical Councils, or from a Medical Practitioner who is practicing outside the discipline that he is licensed for, or any diagnosis.
• Treatment that is not scientifically recognised or Unproven/Experimental treatment, or any form of clinical trials or any kind of self-medication and its complications
• Rest or recuperation at a spa or health resort, sanatorium, convalescence home or institution.
• Any form of Alternative Treatment: AYUSH Treatment; Hydrotherapy, Acupuncture, Reflexology Treatment or any other form of indigenous system of medicine
• Any expenses incurred in connection to Treatment for general debility, ageing, convalescence, sanatorium Treatment, rehabilitation measures, private duty nursing, respite care, health resort, rundown condition or rest cure.
• Circumcision unless necessary for Treatment of an Illness or Injury not excluded hereunder or due to an Accident.
• Associated expenses for alopecia, baldness, wigs, or toupees and hair fall treatment and products, issue of medical certificates and examinations as to suitability for employment or travel.
• Any injury, Accident, illness or any other loss sustained or contracted or caused by the Insured Person as a consequence of the Insured Person being intoxicated or being under the influence of any narcotic or drug or alcohol.
• Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion.
• Operating or learning to operate any aircraft or performing duties as a member of the crew on any aircraft or Scheduled Airline
• Any loss due to the release, dispersal or application of pathogenic or poisonous biological or chemical materials.
• External Congenital anomalies or any complications or conditions arising there from.
• Any Insured Person’s participation in Adventure sports without expert supervision of trained professional or participation in Professional Sports
• Insured Person’s actual or willful participation in, an illegal act or any violation or attempted violation of the law.
• Any loss caused by osteoporosis (porosity and brittleness of the bones due to loss of protein form the bones matrix) or pathological fracture (any fracture in an area where Pre-existing Disease has caused the weakening of the bone) if osteoporosis or bone Disease diagnosed prior to the Policy / Cover Period.
• Confinement in a Hospital which is not medically necessary.
• In respect of travel by the Insured Person to any places against whom the Republic of India has imposed general or special travel restrictions, or against whom it may be imposed such restrictions.
• Pre-existing Disease or its complications and Maternity or its Complications
• Any Insured Person’s participation in Adventure sports without expert supervision of trained professional or participation in Professional Sports
• The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment.
• Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel
• Losses due to war or any act of war, invasion, act of foreign enemy, civil war, public defense, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, Chemical and biological weapons, Ionizing radiation.

General Conditions

• Any claim due to deliberate breach of law would not be payable
• Gross Negligence is not covered.
• Insurance benefit would not be available to credit card defaulters. A defaulter is who has not paid minimum amount for 60 days from due date.
• Standard terms as per Group Overseas Travel Guard policy
• In the event of claim where a coverage is covered in both the policies, the claim will be paid from one policy only.