Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

Reliance Travel Care

PREAMBLE

WHEREAS the

Insured

/

Insured

Person

proposal

and

declaration together

with

any

and shall be

deemed

to be

incorporated

(hereinafter

called

"the Company")

for

number

of days

stated

in the

Schedule.

NOW THIS POLICY WITNESSETH

that

endorsed

or

otherwise expressed

herein,

Insured

/

Insured Person

or his / her

legal

occurring during the period of

insurance,

DEFINITIONS

Any word or

expression

to which a

specific

shall bear the

same meaning

wherever

the

meaning

set

forth :

"Accident"

means

a

sudden,

unforeseen,

"Air Travel"

means

travel by an airline

"Burglary"

means

an act involving the

unauthorized

in India or any

attempt thereat,

with

intent

"Checked-ln Baggage" means

baggage

carrier for

transportation

in

the

same

carrier

which the

common

carrier has

issued

a

"Company"

means Reliance General

Insurance

"Common Carrier"

means

any

scheduled

the

relevant

authority for

the

transportation

"Deductible"means

a

cost-sharing

requirement

a

specified monetary amount

or for a

specified

by

Insurer.

A

deductible does

not

reduce

"Emergency Assistance Service

Provider"

providing

services

to the

Insured

/

Insured

“Emergency

Care”

means

management

and

unexpectedly,

and

requires

immediate

of the

insured person’s

death.”

"Family"

means

the

Insured,

his/her

lawful

children (including

stepchildren

and

adopted

"Felonious

Assault"

means

an act

of violence

medical

treatment

in

Hospital.”

"Hijack"

means

any unlawful

seizure

or

with wrongful intent, of

the

common

carrier

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

Reliance Travel Care

Policy: Corporate Short Term Plan Policy

Wording

Person

designated

in the

Schedule

to

this

Reliance

Travel Care

Policy

any

statement,

report or other

document

which shall be the

basis

incorporated

herein,

has applied

to

Reliance General Insurance

Company

the

insurance hereinafter

set forth and paid

appropriate

premium

that

subject

to the definitions,

terms,

conditions

and

exclusions

herein,

the

Company

shall

compensate,

indemnify, pay and /

or

legal

representatives, as

the

case

may be, in

respect

of

insured

insurance,

in the

manner

and to the extent set forth in this

Policy.

specific

meaning

has

been assigned

in any part of this

Policy

wherever

it

appears.

For

purposes

of this Policy, the terms

specified

unforeseen,

and involuntary event

caused by external,

visible and

violent

/ aircraft for the

purpose

of flying therein

as

a

passenger”

unauthorized

or forcible entry to or

exit

from the

Insured/

Insured Person

intent

to commit

crime”

baggage

handed

over by the

Insured

/

Insured Person

and

accepted

carrier

in which the

Insured

/

Insured Person

is or would be

travelling

a

baggage

receipt to

the Insured

/

Insured

Person.”

Insurance

Company Limited”

scheduled

commercial

airline or ship

or

vessel operating

under

transportation

of

passengers

for

hire.”

requirement

under this travel policy

that

provides

that the

insurer

specified

number

of days / hours which

will

apply before any

benefit

the Sum

Insured.”

Provider"

means

any

organization or

institution

appointed

by

Insured

Person

for an

insurable event.”

management

for a

severe

illness or injury

which

results symptoms

which

immediate

care by a Medical Advisor to

prevent death

or

serious

long

lawful

spouse

below the age of 60

years

and maximum of two

(2)

adopted

children) below the age of 21

years.”

of violence

against

the

Insured

/

Insured

Person

or a travelling

companion

or

exercise

of control, by force

or

violence or threat of

force

carrier

in which the

Insured

/

Insured Person

is

travelling.”

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

Wording

Policy

having by a

basis

of

the contract

Company

Limited

premium

for the

exclusions

contained,

or

reimburse

the

insured

events

Policy

or the

Schedule

specified

below

shall have

violent

means”

passenger”

Insured Person

's home

accepted

by a

common

travelling

and for

under

a

license

from

insurer

will

not be liable for

benefit

are

payable

the

Company

for

which

occur

suddenly

long

term impairment

(2)

dependent

companion

requiring

force

or violence and

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

"Hospital"

means

any institution

established

registered as

a Hospital or a

Nursing

Home

definition, the term "Hospital" shall not

include

place for

drug-addicts

or place of

alcoholics,

"Hospitalisation" means admission

in a

hospital

day care

treatment

, where

such

admission

"Illness"

means

a

sickness

or a

disease

function which

manifests itself

during

the

"Inclement

Weather" means

any

severe,

departure

of a

common

carrier but

not

including

"Injury"

means acidental

physical

bodily

violent and visible and evident

means

which

"In-patient care"

means treatment

for

which

covered event.”

"Insurer"

means Company

i.e.,

Reliance

General

"Insured

Person/Insured" means

the

person

of

residence

in India and for whom the

insurance

"Insurable

Event"

means

an event,

loss

this

Policy.”

"Loss"

means

loss or

damage.”

"Medical Advise"

means

any

consultation

repeat prescription.”

"Medical Advisors" are Medical

Practitioners appointed

"Medical

Expenses" means those

expenses

medical

treatment

on

account

of

illness

or

would have

been payable

if

the

insured

Advisor in the

same locality

would have

"Medically

necessary treatment"

is any

treatment,

I. Is

required

for the medical

management

II. Must not

exceed

the level

of

scope,

duration, or

intensity;

III. Must have

been prescribed

by

IV. Must conform to the

professional

the medical community in

India.

“OPD

Treatment”

is one in which the

consultation

room for

diagnosis and

treatments

Person

is not

admitted as

a day care or

in

"Period of

Insurance" means

the period

actual trip duration or

full

utilization

of

whichever

ends earlier.”

“Policy Period”

means

the period

between

the

cancellation

of this

policy,

whichever

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

established

for indoor care and

treatment

of illness and injuries

and

Home

with the

relevant regulatory authorities.

For

the

include

an

establishment,

which is

a

place of rest,

a place

alcoholics,

a hotel or any other like

place.”

hospital

for a minimum period of

24

Inpatient care

consecutive

admission

could be for a period of less than 24

consecutive hours.”

or

pathological

condition leading

to

the

impairment

of

normal

the

Policy Period and

requires

medical

treatment.”

severe,

catastrophic weather conditions

which delay the

scheduled

including

normal,

seasonal

climatic/weather

changes.”

bodily

harm excluding illness or

disease

solely and directly

caused

which

is verified and certified by a Medical

Advisor.”

which

the

insured person

has to stay in a hospital for more

General Insurance

Co.

Ltd.”

person

specifically

named as

such in the

Schedule,

who

has

insurance

is

proposed

and the

appropriate

premium

paid.”

loss

or

damage

for which the

Insured/ Insured Person

is

entitled

consultation

or advice from a Medical

Advisor

including the

issue

of

Practitioners appointed

by our

Emergency

Assistance Service

Providers.”

expenses

that an

insured person

has

necessarily

and

actually

or

injury on the advice of a Medical Advisor,

as

long

as

these

insured

person

had not

been insured

and no more than other

hospitals

have

charged

for the

same

medical

treatment.”

treatment,

tests, medication,

or

stay

in hospital or part of

stay

management

of the illness or injury

suffered

by the

insured;

of

care

necessary

to provide safe,

adequate

and

appropriate

intensity;

by a Medical

Advisor;

professional

standards

widely

accepted

in

international

medical

India.

insured/insured person

visits a clinic/ hospital or

associated

treatments

based

on the advice of a Medical Advisor.

The

in

-patient.”

from

commencement

of

insurance

cover to the end of

the

the maximum

number

of travel days per trip

as

specified

between

the start date and the end date

as

specified

in the

Schedule

whichever

is

earlier.”

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

and

which has

been

the

purpose

of

this

a place

for the

aged,

a

consecutive

hours

except

for

normal

physiological

scheduled

arrival or

caused

by

external,

than 24 hours for a

has

a

permanent

place

entitled

to

benefit/s

under

of

any

prescription

or

Providers.”

actually

incurred for

these

are no

more

than

hospitals

or Medical

stay

in a hospital

which:

insured;

appropriate

medical care in

medical

practice

or by

associated

facility like a

The

Insured

/

Insured

the

insurance

cover or

specified

in the

Schedule

to this Policy or

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

"Physician"

means

a

person

who is

qualified

license issued

by the

appropriate

authority

Insured/Insured Person's family.”

"Policy" is the

Company’s contract

of

Wordings, the

Proposal Form,

Policy

contract

and must be read

together.”

“Policyholder”

means

the

person

who is

such

"Pre-Existing Disease" means

any

condition,

Person

had signs or

symptoms

and/or

prior to the first policy under which the

Insured

"Reasonable

&

Customary charges"

means

for the specific provider

and

consistent

services,

taking into

account

the

nature

of

"Reasonable

Additional

Expenses"

means

/

Insured Person as

the result of a trip

interruption

the

common

carrier or by any other party

free

"Return

Destination" means

the place to

“Single

Trip”

means

only one trip to a

destination

of which are

specified

in

the Schedule.

"Strike"

means stoppage

of work (a)

announced,

with the normal

departure and

arrival of

"Sum Insured"

means

the maximum

amount

is entitled to in

respect

of

each

benefit

"Schedule" means

the

document

attached

the

Insured

/

Insured Person

/

s,

the

subject to.

"Terrorism/Terrorist

Incident"

means

any

injury, harm or

disruption,

or

the

commission

property or

government,

with the

stated

racial or

religious

interests, whether

such

committed for

personal

gain

and

perpetrator(s) and

victim(s) shall not

be

verified or

recognized

by the

relevant

Government

"Travel Agent"

means

the Travel

Agent,

I

n

s

u

r

a

nc

e

P

o

li

c

y or tr

a

v

e

l

arrangements,

tour

operator

or other

entity.

"Traveling

Companion" means

an

individual

the

Insured

and such

individual(s)

are

individual(s) is/are also

insured

under

of a group travelling on a

tour

arranged

Companion, unless

the individual(s) is

"Trip"

means

a journey, within the

Policy

in the

Schedule.

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

qualified

to

practice medicine

or is

a

Surgeon

or an

Anesthetist

authority

for the

same,

provided that this

person

is not

of

insurance

with the

Policyholder

providing cover

as

detailed

Schedule ,Endorsements,

if

any and

Annexures,

and

which

who is

the

proposer

and

whose name

specifically

appears

condition,

illness or injury or

for which

and/or

were

diagnosed

and/or

received

medical advice/

treatment,

Insured

Person

was

covered

with

us.

means

the

charges

for

services or

supplies,

which are

the

consistent

with the prevailing

charges

in the

geographical area

of

the illness/injury

involved.”

means

any

expenses

for

meals and

lodging

necessarily

incurred

interruption

or trip delay but

does

not include

meals

and

free

of

charge.”

which the

Insured

/

Insured

Person

is

scheduled

to return

from

destination

outside

of the Republic of India during the

policy period,

the Schedule.

announced,

organized

and

sanctioned

by a labor union

and

arrival of

a

common

carrier inclusive of work

slowdowns,

lockouts

amount

of

coverage, as specified

in

the Schedule,

that the

Insured/

and

as applicable

under this

Policy.

attached

name

so and to and the

forming

part of this Policy

mentioning

Sum

Insured,

the period and the limits to which

benefits

any

actual or

threatened

use of

force

or violence

directed

at

commission

of an act

dangerous

to

human

life or property,

against

or

unstated

objective of

pursuing economic,

ethnic,

nationalistic,

such

interests

are

declared

or not.

Robberies

or

other

criminal

and

acts

arising

primarily from prior

personal

relationships

be

considered

terrorist activity. Terrorism shall

also

include

Government

as

an act of

terrorism.”

Agent,

tour

operator,

or other entity

from

w

h

i

ch

the

I

n

s

u

r

e

d

arrangements,

and

includes

all officers,

employees,

and

affiliates of

individual

or individuals travelling with

the Insured

/

Insured

Person,

are

travelling to the

same destination

on the

same

this Policy. For the

purpose

of

this

definition, any

individual(s)

arranged

by a Travel Agent or a tour

operator

shall not be

considered

part of the family of

the Insured

/

Insured

Person.”

Policy

Period, out of the Republic of

India

and back, the details

of

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

Anesthetist

and has a valid

a

member

of

the

detailed

in this Policy

which

form

part

of the

appears

in the

Schedule

as

the

Insured

/

Insured

treatment,

within

48 months

the

standard charges

of

identical

or

similar

incurred

by the

Insured

lodging

provided by

from

his / her

trip.”

policy period,

the details

and

(b) which

interferes

lockouts

and

sickouts.

Insured/

Insured Person

mentioning

the details of

benefits

under the

Policy

are

or

causing damage,

against

any

individual,

nationalistic,

political,

criminal

acts,

primarily

relationships

between

include

any act, which is

purchases

h

i

s

/

h

e

r

affiliates of

the

Travel Agent,

Person,

provided that,

dates

and

such

individual(s)

forming part

considered

as

Traveling

of

which are

specified

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

“Trip

Duration”

means

a journey

undertaken

the aircraft for onward

overseas

journey

date

whichever

is

earlier.

"Valuables"

mean photographic,

audio,

and electrical

equipment,

telescopes,

binoculars,

and

metals.

SCOPE OF COVERAGE

The Company hereby agrees subject to

t

compensate, indemnify, pay and / or reim

bur

loss or damage described hereunder up to t

h

BENEFIT 1 :

EMERGENCY

MEDICAL EXPENSES INCLUDING EVACUATION AND REPATRIATION OF

MORTAL REMAINS.

A. Emergency Medical Expenses

The Company shall pay or reimburse t

medical assistance required on account

Sum Insured as specified in the Schedu

le.

The deductible in respect of this benef

it

in the Schedule.

What it covers

In the event, the Insured/Insured Perso

n

shall upon the written medical adv

i

hospitalisation within the period of ins

ura

Person, then the Company will inde

m

should be reasonable & customary c

harge

for the period and to the extent of the

S

all claims paid under this Benefit shall

n

1. Out-patient treatment, prov

id

Person's return to the origina

l

2. In-patient treatment in a Hos

p

of occurrence of an insurable

even

3. Medical aid prescribed by a

P

casts, bandages and walking

a

4. Radiotherapy, heat therapy o

r

5. X-Ray, diagnostic tests and

a

provided these pertain to the

d

6. Cost of transportation, inclu

d

medical attention at the neare

s

7. Cost of being transferred to a

s

B.

Emergency Medical Evacuation and Repatriation of Mortal Remains.

The company shall reimburse,

i) the extra costs of medically

Person from the location of t

h

Hospital up to the limit of

S

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

undertaken

within Policy Period and

which

commences

when

the

journey

and

terminates

when he

disembarks

on return to India or

the

audio,

video,

computer

and any

other

electronic equipment,

telecommunications

binoculars,

antiques, watches,

jewelry, furs and articles

made

t

he terms, conditions and exclusions herein contained or ot

her

bur

se in manner provided in this Policy, benefits to the Insure

d

h

e limit of Sum Insured as specified in the Schedule to the Polic

y

MEDICAL EXPENSES INCLUDING EVACUATION AND REPATRIATION OF

t

o the Insured / Insured Person expenses incurred for availing

i

t

of any illness/ injury sustained or contracted whilst on a trip

le.

it

will be applicable for each separate claim, and shall be of an

a

n

shall contract any Illness/ injury during the period of ins

uran

i

ce of a Medical Practitioner require any such Insured/Ins

ure

ura

nce at any Hospital, for the medically necessary treatment

o

m

nify the Insured/Insured Person, for the amount of such me

d

harge

s, and are incurred by or on behalf of such Insured/Insured

S

um Insured as specified i n this Policy. The company‟s total li

ab

n

ot exceed the Sum Insured.

id

ed, the same is critical and cannot be deferred till the

l

place of residence.

p

ital/Nursing Home at the place the Insured/Insured Person is st

ay

even

t.

P

hysician as necessary part of the treatment for broken limbs

o

a

ids).

r

photo therapy and other such treatment prescribed by a physic

ia

a

ll reasonable costs towards diagnostic methods and treatme

n

d

iagnosed illness/injury due to which hospitalization was deeme

d

ing necessary medical care en-route, by recognized medical

s

t Hospital or by the nearest Physician.

s

pecial clinic if this is medically necessary and prescribed by a

P

Emergency Medical Evacuation and Repatriation of Mortal Remains.

necessary and prescribed transportation/medical evacuation

o

h

e incident to the original place of residence of Insured/Insure

d

S

um Insured as opted by the Insured/Insured Person in th

e

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

the

passenger boards

the

Policy

Period end

telecommunications

made

of

precious stones

her

wise expressed, to

d

/ Insured Person for

y

.

MEDICAL EXPENSES INCLUDING EVACUATION AND REPATRIATION OF

i

mmediate emergency

but not exceeding the

a

mount as specified

uran

ce and if such inj ury

ure

d Person, to incur

o

f the Insured/Insured

d

ical expenses, which

Person for in manner,

ab

ility in aggregate for

Insured/Insured

ay

ing at the time

o

r injuries (e.g. plaster

ia

n.

n

t of all illness/injury

d

necessary.

service providers for

P

hysician

o

f the Insured/Insured

d

Person or the nearest

e

event that it is not

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

possible to guarantee ad

equa

current location and cons

equen

Practitioner.

ii) The additional extra costs

Insured/Insured Person if

it is

physician, nurse, immediate f

a

iii) In the event of the death

o

the costs of the mortal rema

ins

up to an equivalent amount,

f

o

maximum limit as specified in the schedule

iv) If the Insured/Insured Person

the Company in consultation

repatriated to the original pla

c

v) The deductible in respect of this benefit will be applicable for each separate

specified in the Schedule.

The extra costs under “transportation” abov

e

• in the event of A c c id e nt a l

dea

Person had died at his original p

la

The company’s total liability in aggregate for all claims paid under this Benefit shall not exceed the Sum Insured as mention

the Schedule.

What Benefit 1 does not cover

The Company shall not be liable to make any payment under this benefit in

whatsoever incurred by the Insured/ Insured Person for:

1. Medical treatment abroad if that is the sole reason or one of the reasons

2. Any pre-existing disease.

3. Treatment which c

ould reasonably be delayed until the Insured/Insured

what can or

what cannot be reasonably delayed will be decided jointly by the treating

Service Provider.

4.

Treatment of orthopaedic, degenerative, oncological diseases, unless

emergency measures to save the Insured / Insured Person's life or

excluding

chemotherapy or radiotherapy expenses.

5. Charges in excess of reasonable and customary charges incurred on

Emergency Assistance Service Provider.

6. Expenses incurred in connection with

cancer treatment, unless the

emergency

measures to save the Insured / Insured Person's life or measures solely

7. Treatment relating to the removal of physical flaws or

8. Expenses incurred in connection with rest or recuperation at a spa or

institution.

9. Expenses related to mental or psych

iatric disorders.

10. Pregnancy, childbirth and any consequences thereof unless the

emergency

measures to save the Insured / Insured Person's or the child's life in the

Insured / Insured Person

has not completed the age of 38 years and 30th week of the pregnancy

11. Medical treatment of typical symptoms suffered during pregnancy and

conditions as a result of pregnancy.

12. Any medical check-

ups during pregnancy or treatment of the

13. Rehabilitation and/or physiotherapy or the costs of prostheses/prosthetics (artificial limbs) etc.

14. Any exclusion mentioned in the 'Gen

eral Exclusions' section of this

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

equa

te medical treatment within a reasonable distance of the In

s

equen

tly his health would be in jeopardy as confirmed by

t

for an accompanying person, up to the limit of Sum Ins

ure

it is

medically necessary that the Insured/Insured Person be accom

pan

a

mily member (limited to father / mother / spouse / children) or

c

o

f the Insured/Insured Person due to an Insurable event in

ins

of the deceased Insured/Insured Person back to the original

f

o

r a local burial or cremation at the location where the death

oc

maximum limit as specified in the schedule

is required to be transported from a medical point of view, it s

ha

with the attending Medical Practitioner whether the Insured/I

n

c

e of residence or not.

v) The deductible in respect of this benefit will be applicable for each separate

claim, and shall be of an amount as

e

are:

dea

th, the costs which exceed those that would normally aris

e

la

ce of residence.

The company’s total liability in aggregate for all claims paid under this Benefit shall not exceed the Sum Insured as mention

The Company shall not be liable to make any payment under this benefit in

connection with or in respect of any expenses

whatsoever incurred by the Insured/ Insured Person for:

1. Medical treatment abroad if that is the sole reason or one of the reasons

for temporary stay abroad.

ould reasonably be delayed until the Insured/Insured

Person's return to the Republic of India. The question of

what cannot be reasonably delayed will be decided jointly by the treating

Physician and the Emergency Assistance

Treatment of orthopaedic, degenerative, oncological diseases, unless

the medical assistance provided abroad involves unforeseen

emergency measures to save the Insured / Insured Person's life or

measures solely designed to relieve acute pain in any case

chemotherapy or radiotherapy expenses.

5. Charges in excess of reasonable and customary charges incurred on

account of an insurable event as per the determination by the

cancer treatment, unless the

medical assistance provided abroad involves unforeseen

measures to save the Insured / Insured Person's life or measures solely

designed to relieve acute pain.

7. Treatment relating to the removal of physical flaws or

anomalies(cosmetic treatment or 'plastic' surgery in any form or manner).

8. Expenses incurred in connection with rest or recuperation at a spa or

health resort, sanatorium, convalescence home or similar

iatric disorders.

10. Pregnancy, childbirth and any consequences thereof unless the

medical assistance provided abroad involves unforeseen

measures to save the Insured / Insured Person's or the child's life in the

event of acute complications, pr

has not completed the age of 38 years and 30th week of the pregnancy

is not yet completed.

11. Medical treatment of typical symptoms suffered during pregnancy and

their consequences, including changes in other chron

ups during pregnancy or treatment of the

pregnancy.

13. Rehabilitation and/or physiotherapy or the costs of prostheses/prosthetics (artificial limbs) etc.

eral Exclusions' section of this

Policy.

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

s

ured/Insured Person's

t

he attending medical

ure

d as opted by the

pan

ied; this might be a

c

olleague.

terms of this Policy,

place of residence or,

oc

curred, subject to the

ha

ll be the decision of

n

sured Person is to be

claim, and shall be of an amount as

e

if the Insured/Insured

The company’s total liability in aggregate for all claims paid under this Benefit shall not exceed the Sum Insured as mention

ed in

connection with or in respect of any expenses

Person's return to the Republic of India. The question of

Physician and the Emergency Assistance

the medical assistance provided abroad involves unforeseen

measures solely designed to relieve acute pain in any case

account of an insurable event as per the determination by the

medical assistance provided abroad involves unforeseen

designed to relieve acute pain.

anomalies(cosmetic treatment or 'plastic' surgery in any form or manner).

health resort, sanatorium, convalescence home or similar

medical assistance provided abroad involves unforeseen

event of acute complications, pr

ovided that the

is not yet completed.

their consequences, including changes in other chron

ic

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

BENEFIT 2: DENTAL TREATMENT

What it covers

The Company shall pay or reimburse to the Insured / Insured Person expenses incurred on acute anesthetic treatment of a natur

tooth or teeth during a trip but not

exceeding the Sum Insured as specified in the Schedule. The deductible in respect of this

benefit will be applicable for each separate claim, and shall be of an amount as specified in the Schedule. Dental care rende

which is medically necessary as a res

ult of an accident during the period of insurance shall also be covered, subject to the limit of

cover and deductible as specified in the Schedule.

What it does not cover

The Company shall not be liable to make any payment under this benefit in connectio

whatsoever incurred by the Insured / Insured Person for:

1.

Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.

2. Any pre-existing disease.

3.

Treatment, which could reasonably

question of what can or what cannot be reasonably delayed will be decided jointly by the treating Dentist and the

Emergency Assistance Service Provider.

4. Treatment of orthop

aedic, degenerative or oncological diseases, unless the medical assistance provided abroad involves

unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute

pain in any case excluding chemothera

5.

Charges in excess of reasonable and customary charges as per the determination by the Emergency Assistance Service

Provider.

6.

Expenses incurred in connection with cancer treatment, unless the medical assistance provided abroad in

unforeseen emergency measures to relieve acute pain.

7.

Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or

manner).

8.

Expenses incurred in connection with rest or recuperation at a spa

similar institution.

9.

Any exclusion mentioned in the 'General Exclusions' section of this Policy.

COVER 3 : PERSONAL ACCIDENT

What it covers

The Company shall compensate the In

s

on a trip covered by this Policy) solely

in permanent disablement or death wit

h

The Sum Insured shall be the maximum

Subject to the above, the Company s

ha

Benefits given alongside:

Table of Benefit

1. Death

2. Total and irrecoverable loss of

i) Sight of both eyes or of the actual loss

b

entire feet or one entire hand and one ent

ire

loss of one entire hand or one entire foot.

ii) Use of two hands or of two feet or of

on

eye and such loss of use of one hand or on

e

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

The Company shall pay or reimburse to the Insured / Insured Person expenses incurred on acute anesthetic treatment of a natur

exceeding the Sum Insured as specified in the Schedule. The deductible in respect of this

benefit will be applicable for each separate claim, and shall be of an amount as specified in the Schedule. Dental care rende

ult of an accident during the period of insurance shall also be covered, subject to the limit of

cover and deductible as specified in the Schedule.

The Company shall not be liable to make any payment under this benefit in connectio

n with or in respect of any expenses

whatsoever incurred by the Insured / Insured Person for:

Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.

Treatment, which could reasonably

be delayed until the Insured/ Insured Person's return to the Republic of India. The

question of what can or what cannot be reasonably delayed will be decided jointly by the treating Dentist and the

Emergency Assistance Service Provider.

aedic, degenerative or oncological diseases, unless the medical assistance provided abroad involves

unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute

pain in any case excluding chemothera

py or radiotherapy expenses

Charges in excess of reasonable and customary charges as per the determination by the Emergency Assistance Service

Expenses incurred in connection with cancer treatment, unless the medical assistance provided abroad in

unforeseen emergency measures to relieve acute pain.

Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or

Expenses incurred in connection with rest or recuperation at a spa

or health resort, sanatorium, convalescence home or

Any exclusion mentioned in the 'General Exclusions' section of this Policy.

s

ured / Insured Person or their legal heir as the case may be, f

o

and directly caused by accident occurring during the period o

f

h

in 12(twelve) calendar months of occurrence of such injury.

m

liability of the Company under this benefit.

ha

ll pay to the Insured / Insured Person the sum or sums as set

f

Perce

n

Sche

du

100%

b

y physical separation of the two entire hands or two

ire

foot or of such loss of sight of one eye and such

on

e hand and one foot or of such loss of sight of one

e

foot.

100%

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

The Company shall pay or reimburse to the Insured / Insured Person expenses incurred on acute anesthetic treatment of a natur

al

exceeding the Sum Insured as specified in the Schedule. The deductible in respect of this

benefit will be applicable for each separate claim, and shall be of an amount as specified in the Schedule. Dental care rende

red

ult of an accident during the period of insurance shall also be covered, subject to the limit of

n with or in respect of any expenses

Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.

be delayed until the Insured/ Insured Person's return to the Republic of India. The

question of what can or what cannot be reasonably delayed will be decided jointly by the treating Dentist and the

aedic, degenerative or oncological diseases, unless the medical assistance provided abroad involves

unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute

Charges in excess of reasonable and customary charges as per the determination by the Emergency Assistance Service

Expenses incurred in connection with cancer treatment, unless the medical assistance provided abroad in

volves

Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or

or health resort, sanatorium, convalescence home or

o

r any injury (whilst

f

insurance resulting

f

orth in the Table of

n

tage of Sum Insured a

s per

du

le

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

- The disablement occurs within one

yea

- The disablement must be confirmed

of the disablement

Notwithstanding anything contained in

the clauses (1)

to (5) in the Table of Benefits herei

nabove

What it does not cover

The Company shall not be liable to ma

k

1. Accidents due to mental dis

order

entire body and pathological dis

t

2. Damage to health caused by c

urat

accident.

3. Any payment under this benefit

w

4. Any other claim after a claim fo

r

5. Any claim which arises out o

f

parachuting except when the Ins

ure

6. Payment of compensation in

re

intentional self injury, suicide

drugs, (iii) directly or indirectl

y

ballooning whilst mounting into

,

(fare paying or otherwise) in an

y

from the Insured / Insured Perso

n

3. Total and irrecoverable loss of

i) The sight of one eye or the actual loss

foot.

ii) Use of a hand or a foot without physical

For the purpose of items 2 and 3 above, this shall mean separation at or above wrist and/or of the foot at or above ankle, re

4. Total and irrecoverable loss of various

part

Loss or Inability to function of (with the re

s

a. An arm at the shoulder joint

b. An arm to a point above the elbow joint

c. An arm below the elbow joint

d. A hand at the wrist

e. A thumb

f. An index finger

g. Any other finger

h. A leg above the center of the femur

i. A leg up to a joint below the femur

j. A

leg to a point below the knee

k. A leg up to the center of the tibia

I. A foot at the ankle

m. A big toe

n. Some other toe

o. An eye

p. Hearing in one ear

q. Sense of smell

r. Sense of taste

Any other permanent partial disablement -

P

panel doctor

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

yea

r of the accident.

and claimed for prior to the expiry of a period of 3 mo

n

this Policy, the Company shall not be liable for compensation

u

nabove

, in the same period of disablement of the Insured / Insured P

er

k

e any payment under this benefit in respect of the following:

order

s or disturbances of consciousness, strokes, fits or convuls

io

t

urbances caused by the mental reaction to the same.

urat

ive measures, radiation, infection, poisoning except w

her

w

hereby the Company's liability would exceed the sum payable

in

r

death has been admitted by the Company and becomes payab

le.

f

an accident connected with the operation of an aircraft o

r

ure

d / Insured Person is flying as a passenger on a multi engine,

re

spect of death, injury or disablement of the Insured / Ins

ure

or attempted suicide, (ii) whilst under the influence of

in

y

, caused by venereal diseases, AIDS or insanity, (iv) whilst

engag

,

dismounting from or travelling in any aircraft or balloon ot

he

y

duly licensed standard type of aircraft anywhere in the world

(v

n

committing any breach of law with or without criminal intent.

by physical separation of one entire hand or one ent

ire

separatio

50%

For the purpose of items 2 and 3 above, this shall mean separation at or above wrist and/or of the foot at or above ankle, re

part

s as given below:

s

pective % of CSI)

P

ercentage as assessed by a

70%

65%

60%

55%

20%

10%

5%

70%

65%

50%

45%

40%

5%

2%

50%

30%

10%

5%

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

n

ths since occurrence

u

nder more than one of

er

son.

io

ns which affect the

her

e these arise from an

in

the event of death.

le.

r

which occurs during

commercial aircraft.

ure

d Person (i) from

in

toxication, liquor or

engag

ing in aviation or

he

r than as a passenger

(v

) arising or resulting

For the purpose of items 2 and 3 above, this shall mean separation at or above wrist and/or of the foot at or above ankle, re

spectively.

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

7. Death or disablement resulting

,

childbirth or pregnancy or in co

n

8. Payment of compensation in res

pe

out of or directly or indirectly c

onn

war be declared or not), civil

w

capture, arrests, restraints and de

t

9. Payment of compensation in

respe

directly or indirectly caused by

o

i) ionizing radiation or contam

in

the combustion of nuclear f

ue

of nuclear fission;

ii) nuclear weapons material.

10. Any exclusion mentioned in the

'

Special Conditions

1. In the event of partial loss or i

m

appropriate p roportion of the perc

en

2. If the accident impairs a number

Benefits will be added together,

b

Schedule.

3. If the accident affects parts of t

h

governin g factor in determining t

h

or mental capabilities are impa

ir

Emergency Assistance Service P

rov

4. If the accident affects any physi

ca

made equal inamount for this prior dis

ab

5. If the Insured / Insured person dies

reason, and if a claim for disable

m

of disablement which would have

bee

6. In the event of permanent disable

m

a. To have himself/herself exa

m

Service Provider and the Co

m

b. To authorize doctors prov

idi

Company any information t

ha

If the above obligations are not met with due to whatsoever reason, the Company shall be relieved of its liability to

compensate under this benefit.

COVER 4. TOTAL LOSS OF CHECKED IN BAGGAGE

What does it covers

The Company shall compensate the Insure

d

limited to the travel destinations specified i

n

will be covered under this benefit. The com

pe

What does it not covers

The deductible in respect of this benefit w

il

Schedule

The Company shall not be liable to mak

e

whatsoever incurred by the Insured / Insur

e

1. Valuables and money, all kinds of sec

ur

Company.

2. Loss of property unless a Property Irr

egu

loss of checked-in baggage has been

p

3. Any partial loss of the items containe

d

baggage.

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

,

directly or indirectly, caused by, contributed to or

aggrava

n

sequence thereof, venereal disease or infirmity.

pe

ct of death, injury or disablement of the Insured / Insured P

er

onn

ected with or traceable to war, invasion, act of foreign ene

m

w

ar, rebellion, revolution, insurrection, mutiny, military or us

urpe

t

ainments of all Kings, Princes and people of whatsoever natio

n

respe

ct of, death of, or bodily injury or illness to the Ins

ure

o

r contributed to by or arising from –

in

ation by radioactivity from any nuclear fuel or from any

nuc

ue

l and for the purposes hereof, combustion shall include any

s

'

General Exclusions' section of this Policy.

m

pairment of the function of one of the above parts of th

e

en

tage stated in the Table of Benefits will be considered for pay

m

of physical or mental functions, the degree of disablement

g

b

ut the amount payable shall not exceed 100% of the Sum In

s

h

e body or senses whose loss or inability to function is not

h

e benefit amount in such a case will be the degree to whic

h

ir

ed, solely from a medical point of view, as ascertained b

y

rov

ider.

ca

l or mental function, which was already impaired bef

orehand

ab

lement.

for a reason unconnected with the accident within a year of th

e

m

ent payment had arisen, then the payment will be made in acc

ordan

bee

n expected to exist from the findings of the last medical exa

m

ent, the Insured / Insured Person will be under obligation:

m

ined by the Panel Doctors appointed by the Company /

m

pany will pay the costs involved thereof.

idi

ng treatment or giving expert opinion and any other

au

ha

t may be required on the condition of the Insured / Insured Per

s

If the above obligations are not met with due to whatsoever reason, the Company shall be relieved of its liability to

COVER 4. TOTAL LOSS OF CHECKED IN BAGGAGE

d

/ Insured Person for the total loss of checked-in baggage o

n

the Proposal Form. All halts and via destinations included in

pe

nsation will be limited to the Sum Insured as specified in the Sc

hedu

il

l be applicable for each separate claim, and shall be of an am

o

e

any payment under this benefit in connection with or in re

s

e

d Person for:

ur

ities and tickets/passes or any other item not declared to, an

d

egu

larity Report or other re port usually issued by common

c

p

rocured and submitted to the Company.

d

within the checked -in

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

aggrava

ted or prolonged by

er

son due to or arising

m

y, hostilities (whether

urpe

d power, seizure,

, condition or quality.

ure

d / Insured Person

nuc

lear waste or from

s

elf-sustaining process

e

body or senses, the

m

ent.

g

iven in the Table of

s

ured specified in the

dea

lt with above, the

h

the normal physical

y

Panel Doctor of the

orehand

, a deduction will be

e

accident for whatever

ordan

ce with the degree

m

ination made.

Emergency Assistance

au

thority to supply the

s

on

If the above obligations are not met with due to whatsoever reason, the Company shall be relieved of its liability to

n

a trip. The cover is

this main travel ticket

hedu

le

o

unt as specified in the

s

pect of any expenses

d

agreed to by, the

c

arrier in the event of

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

4. Items contained within the checked-in

b

ownership.

5. Losses arising from any delay, detentio

n

6. Loss due to partial damage of the check

e

7. Any exclusion mentioned in the 'Gener

a

Special Conditions

1.

The Company will compensate the Insured / Insured Person for the market value of

of total and complete loss of such checked

Schedule provided that

a.

Maximum amount payable per checked

% of the applicable Sum Insured. In case of only one bag being checked

of the applicable Sum Insu

b. Insured has provided all reports, documents and other details concerning the loss to the Company.

For the purposes of this benefit, "market value" is the sum required to purchase new items of the same kind and

quality less an amount

representing wear and tear, usage, etc. at the time of loss.

2.

In the event that the Company makes any payment under this benefit, it is a condition of such payment that any

recovery from any common carrier by the Insured/ Insured Person, or on behalf of

under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air,

1929 ("Warsaw Convention") shall become the property of the Company.

3. The amount payable in respect of any o

4. In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be

obtained fr om the airline immediately upon discovery of the

5. No partial loss or damage shall become payable. However, total loss or damage of individual unit(s) of baggage

shall not be construed as falling within this Special Condition

COVER 5. DELAY OF CHEC

KED IN BAGGAGE

What it covers

The Company shall pay or reimburse the Insured / Insured Person for the delay in transportation of checked

trip. Cover is limited to the travel destinations specified in the main travel ticket from India

and via destinations included in this main travel ticket will be considered for payment under this benefit. The

compensation will not exceed the Sum Insured as specified in the Schedule.

The deductible i

n respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in the

Schedule.

What it does not cover

The Company shall not be liable to make any payment under this benefit in connection with or in respect o

whatsoever incurred by the Insured / Insured Person for :

1.

Valuables and money, all kinds of securities and tickets/passes or any other item(s) not declared to, and agreed to by,

the Company.

2.

Loss of property unless a Property Irregularity

checked-

in baggage has been procured and submitted to the Company.

3.

Any partial loss of the items contained within the checked

4.

Items contained within the checked

ownership.

5.

Losses arising from any delay, detention, confiscation by customs officials or other public authorities.

6.

Loss due to complete/partial damage of the checked

7. Any checked-

in baggage delay on the inbound sector to the Republic of India

8.

Any exclusion mentioned in the ‘General Exclusions’ section of this Policy.

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

b

aggage, which are valued in excess of Rs. 1,000 without

app

n

, confiscation by customs officials or other public authorities.

e

d-in baggage.

a

l Exclusions'

The Company will compensate the Insured / Insured Person for the market value of

checked-

in baggage in the event

of total and complete loss of such checked

-

in baggage caused by a common carrier up to the limits as specified in

Maximum amount payable per checked

-

in baggage, in case more than one bag has been checked

% of the applicable Sum Insured. In case of only one bag being checked

-

in, the amount payable is 100%

of the applicable Sum Insu

red.

b. Insured has provided all reports, documents and other details concerning the loss to the Company.

For the purposes of this benefit, "market value" is the sum required to purchase new items of the same kind and

representing wear and tear, usage, etc. at the time of loss.

In the event that the Company makes any payment under this benefit, it is a condition of such payment that any

recovery from any common carrier by the Insured/ Insured Person, or on behalf of

the Insured/ Insured Person,

under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air,

1929 ("Warsaw Convention") shall become the property of the Company.

3. The amount payable in respect of any o

ne article, pair or set is limited to the amount as specified in the Schedul

4. In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be

obtained fr om the airline immediately upon discovery of the

loss which must be submitted to the Company

5. No partial loss or damage shall become payable. However, total loss or damage of individual unit(s) of baggage

shall not be construed as falling within this Special Condition

.

KED IN BAGGAGE

The Company shall pay or reimburse the Insured / Insured Person for the delay in transportation of checked

trip. Cover is limited to the travel destinations specified in the main travel ticket from India

and return trip back to India. All halts

and via destinations included in this main travel ticket will be considered for payment under this benefit. The

compensation will not exceed the Sum Insured as specified in the Schedule.

n respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in the

The Company shall not be liable to make any payment under this benefit in connection with or in respect o

whatsoever incurred by the Insured / Insured Person for :

Valuables and money, all kinds of securities and tickets/passes or any other item(s) not declared to, and agreed to by,

Loss of property unless a Property Irregularity

Report or other report usually issued by carriers in the event of loss of

in baggage has been procured and submitted to the Company.

Any partial loss of the items contained within the checked

-in baggage.

Items contained within the checked

-in b

aggage, which are valued in excess of US $ 100 without appropriate proof of

Losses arising from any delay, detention, confiscation by customs officials or other public authorities.

Loss due to complete/partial damage of the checked

- in baggage.

in baggage delay on the inbound sector to the Republic of India

Any exclusion mentioned in the ‘General Exclusions’ section of this Policy.

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

app

ropriate proof of

in baggage in the event

in baggage caused by a common carrier up to the limits as specified in

the

in baggage, in case more than one bag has been checked

-in, is 50

in, the amount payable is 100%

b. Insured has provided all reports, documents and other details concerning the loss to the Company.

For the purposes of this benefit, "market value" is the sum required to purchase new items of the same kind and

In the event that the Company makes any payment under this benefit, it is a condition of such payment that any

the Insured/ Insured Person,

under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air,

ne article, pair or set is limited to the amount as specified in the Schedul

4. In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be

loss which must be submitted to the Company

5. No partial loss or damage shall become payable. However, total loss or damage of individual unit(s) of baggage

The Company shall pay or reimburse the Insured / Insured Person for the delay in transportation of checked

-in baggage during a

and return trip back to India. All halts

and via destinations included in this main travel ticket will be considered for payment under this benefit. The

n respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in the

The Company shall not be liable to make any payment under this benefit in connection with or in respect o

f any expenses

Valuables and money, all kinds of securities and tickets/passes or any other item(s) not declared to, and agreed to by,

Report or other report usually issued by carriers in the event of loss of

aggage, which are valued in excess of US $ 100 without appropriate proof of

Losses arising from any delay, detention, confiscation by customs officials or other public authorities.

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

Special Conditions

1.

The Company will pay or reimburse costs of necessary emergency

event of the Insured / Insured Person suffering delay of his/her checked

provided that:

a) The delay of checked-

in baggage is more than 12 hour

destination and relates to delivery of baggage that has been checked in by the common carrier.

b)

Insured / Insured Person provides the Company with written proof of delay from the common

c)

Insured / Insured Person provides the Company with the receipts for the necessary emergency purchases of toiletries,

medication and clothing that he/she needed to buy.

Note: In the event that claim(s) is submitted for total loss of

baggage, the higher of the claim(s) shall be payable by the Company in respect of the same item(s) of checked

any one period of insurance.

2.

In the event that the Company makes a

payment that any recovery from any common carrier by the Insured/ Insured Person, or on behalf of the Insured/

Insured Person, under the terms of the Convention for the Unifica

Carriage by Air , 1929("Warsaw Convention") shall become the property of the Company.

COVER 6. LOSS OF PASSPORT AND DOCUMENTS

What it covers

In the event, the passport/Travel document

s

Insured/ Insured Person actual expenses necessarily and reasonably incurred in connection with obtaining a duplic

fresh passport/Travel document

during a trip but not exceeding the Sum Insur

The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified

Schedule.

What it does not cover

The Company shall not be liable to

make any

whatsoever incurred by the Insured / Insured Person for:

1. Loss of the passport/travel documents

due to delay or confiscation or detention by the customs, police or public authorities.

2. Loss of the passport/travel documents

due to theft unless it has been reported to the police within 24 hours of the Insured /

Insured Person becoming aware of the theft and a written police report being obtained in that regard.

3. Loss of the passport/travel documents

due

place or public transport, hotel or apartment.

4. Loss or theft of the passport

/travel documents

locked hotel room, apartment

or locked vehicle, and forcible and violent entry was used to gain access to it.

5. Any exclusion mentioned in the ‘General Exclusions’ section of this Policy.

COVER 7. TRIP CANCELLATION AND INTERRUPTION

What it covers

The Company shall compensate the

to any of the following reasons:

1. Unforeseen illness, injury, or de

a

disabling as to reasonably cause

a

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

The Company will pay or reimburse costs of necessary emergency

purchases of toiletries, medication and clothing in the

event of the Insured / Insured Person suffering delay of his/her checked

-

in baggage while being transported during the trip,

in baggage is more than 12 hour

s from the actual arrival time of the common carrier at the

destination and relates to delivery of baggage that has been checked in by the common carrier.

Insured / Insured Person provides the Company with written proof of delay from the common

carrier.

Insured / Insured Person provides the Company with the receipts for the necessary emergency purchases of toiletries,

medication and clothing that he/she needed to buy.

Note: In the event that claim(s) is submitted for total loss of

checked-

in baggage as well as temporary delay of checked

baggage, the higher of the claim(s) shall be payable by the Company in respect of the same item(s) of checked

In the event that the Company makes a

ny payment or reimbursement under this benefit, it is a condition of such

payment that any recovery from any common carrier by the Insured/ Insured Person, or on behalf of the Insured/

Insured Person, under the terms of the Convention for the Unifica

tion of Certain Rules Relating to International

Carriage by Air , 1929("Warsaw Convention") shall become the property of the Company.

COVER 6. LOSS OF PASSPORT AND DOCUMENTS

s

belonging to the

Insured/ Insured Person is lost, the Company will reimburse the

Insured/ Insured Person actual expenses necessarily and reasonably incurred in connection with obtaining a duplic

during a trip but not exceeding the Sum Insur

ed as specified in the Schedule.

The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified

make any

payment under

this benefit in connection with or in respect of any expenses

whatsoever incurred by the Insured / Insured Person for:

due to delay or confiscation or detention by the customs, police or public authorities.

due to theft unless it has been reported to the police within 24 hours of the Insured /

Insured Person becoming aware of the theft and a written police report being obtained in that regard.

due

to it being left unattended o

r forgotten by the Insured / Insured Person in a public

place or public transport, hotel or apartment.

/travel documents

from a private place or from a private vehicle, unless it was located in a

or locked vehicle, and forcible and violent entry was used to gain access to it.

5. Any exclusion mentioned in the ‘General Exclusions’ section of this Policy.

COVER 7. TRIP CANCELLATION AND INTERRUPTION

Insured / Insured Person as hereunder if a trip is cancele

d

a

th of the Insured/ Insured Person

‟

s family member injury

o

a

trip to be canceled or interrupted;

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

purchases of toiletries, medication and clothing in the

in baggage while being transported during the trip,

s from the actual arrival time of the common carrier at the

carrier.

Insured / Insured Person provides the Company with the receipts for the necessary emergency purchases of toiletries,

in baggage as well as temporary delay of checked

-in

baggage, the higher of the claim(s) shall be payable by the Company in respect of the same item(s) of checked

-in baggage during

ny payment or reimbursement under this benefit, it is a condition of such

payment that any recovery from any common carrier by the Insured/ Insured Person, or on behalf of the Insured/

tion of Certain Rules Relating to International

Carriage by Air , 1929("Warsaw Convention") shall become the property of the Company.

Insured/ Insured Person is lost, the Company will reimburse the

Insured/ Insured Person actual expenses necessarily and reasonably incurred in connection with obtaining a duplic

ate or

ed as specified in the Schedule.

The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified

in the

this benefit in connection with or in respect of any expenses

due to delay or confiscation or detention by the customs, police or public authorities.

due to theft unless it has been reported to the police within 24 hours of the Insured /

r forgotten by the Insured / Insured Person in a public

from a private place or from a private vehicle, unless it was located in a

or locked vehicle, and forcible and violent entry was used to gain access to it.

d

or interrupted due

o

r illness must be so

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

2. Termination of employment or

l

the case may be, have been empl

o

3. Inclement weather conditions c

au

4. The place intended to be occ

up

trip or the destination being m

ad

5. The Insured/Insured Person be

i

abducted;

6. The Insured / Insured Person be

i

provided tha t the Insured/Insured pers

o

felonious assault.

7. A terrorist incident in a City/

de

Insured/Inu sred Person

‟

s scheduled a

rr

not include the high seas, uninhabited

Trip Cancellation Benefits: The C

o

for trips that are canceled before th

e

Company will reimburse for the

f

Person's departure date.

Trip Interruption Benefits: The Co

m

that have been interrupted, due to

an

forfeited, non -refundable prepaid

pa

additional t ransportation expenses i

n

1. From the place that the Insur

ed

rejoin the trip;

2. Additional transportation e

x

destination if the Insured / Insure

d

However, the benefits above, will not ex

c

payable

What it does not cover

1. Common carrier-caused delays, in

c

public transportation, unless the com

m

A strike is foreseeable on the date the

l

2. Travel arrangements cancelled or chan

g

bad weather.

3. Changes in plans by the Insured/Insure

d

4. Adverse change in financial circumstan

c

5. Any business or contractual obligation

s

layoff of employment.

6. Default by the person, agency, or t

ou

made travel arrangements.

7. Any government regulation or prohibi

ti

8. An event or circumstance, which occur

s

9. On account of a felonious assault,

Person has been a principal or access

o

10. Any claim for a flight which is not

boo

11. Any claim resulting from the financi

a

12. (i) Any scheduled airline at the time t

h

(ii) Any scheduled airline that holds

an

claim in full); or

(iii) Any travel agent, tour operator, b

o

13. Any claim that the Insured/Insured

P

cause a claim under this section.

14. Any claim arising or resulting from a

c

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

l

ayoff affecting the Insured/Insured Person, provided that t

h

o

yed with the Insured for at least three continuous years;

au

sing cancellation of the trip;

up

ied by the Insured/Insured Person for purposes of his/

ad

e uninhabitable by fire or flood.

i

ng

i

ng the victim of a felonious assault within 10 days prior t

o

n (including any member of their family) is/are not principa

l

de

stination listed on the Insured/Insured Person

‟

s itinerary

w

rr

ival. “City” means an incorporated municipality having defi

n

areas or airspace.

o

mpany will pay this benefit up to Sum Insured as speci

f

e

scheduled departure date due to any of the reasons m

en

f

orfeited, non-refundable prepaid payments, made prior t

o

m

pany will pay this benefit up to Sum Insured as spec ified in

t

an

y of the reasons mentioned above. The Company w

il

pa

yments, made prior to the Insured/Insured Person's

n

curred by the Insured/Insured Person.

ed

/Insured Person left the trip to the place that the Insured / In

s

x

penses incurred by the Insured/ Insured Person to reach

t

d

Person is delayed, and leaves after the trip departure date.

c

eed the cost of economy airfare by the most direct route, le

s

c

luding an announced, organized sanctioned union labou

m

encement of the period of insurance is prior to a date when th

e

l

abour union members vote to approve a strike.

g

ed by an airline, cruise line, or tour operator, unless the canc

e

d

Person or an immediate Family Member for any reason.

c

es of the Insured/ Insured Person or any Family Member

s

of the Insured/Insured Person or any Famil y Member, exc

e

ou

r operator from whom the Insured / Insured Person obtai

n

ti

on.

s

prior to the commencement of the period of insurance.

where the Insured/Insured Person or any Family Member

o

ry in the assault committed.

boo

ked in India;

a

l failure of:

h

e Insured/Insured Person obtained this Policy or booked the t

i

an

other bond or insurance (even if that bond or insurance is

no

o

oking agent or flight consolidator arranging the booking

P

erson knew, at the time of purchasing this insurance, about

a

c

harter flight

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

h

e Insured Person, as

he

r stay during the

o

the departure date,

l

or accessory in such

w

ithin 30 days of the

n

ed bord ers and does

f

ied in the Schedule

en

tioned above. The

o

the Insured/Insured

t

he Schedule for trips

il

l reimburse for the

departure date and

s

ured Person may

t

he original trip

s

s any refunds paid or

r

strike that affects

e

strike is foreseeable.

e

llation is the result of

e

pt for termination or

n

ed this Policy and/or

o

f the Insured/Insured

i

cket;

no

t enough to pay the

a

ny reason that could

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

COVER 8. TRIP DELAY

What it covers

The Company shall reimburse the Insur

e

Insured Person if his/her trip is delayed f

o

Schedule. Incurred additional expenses m

u

1) Unforeseen illness, injury, or deat

h

must be so disabling as to reasonably

2) Termination of employment or layof

f

as th e case may be, has been emplo

ye

3) Inclement weather conditions caus

ing

4) The place intended to be occupied b

y

being made uninhabitable by fire, fl

ood

5) The Insured/ Insured Person being

abdu

6) The Insured / Insured Person being th

e

the insured/insured person or any Fa

m

felonious assault.

7) A terrorist incident in a City/de

s

Insured/Insured Person

‟

s schedule arr

i

include the high seas, uninhabited

area

8) Delay by the common carrier.

9) Lost or stolen travel documents.

The reimbursement under this benefit w

il

respect of this benefit shall be as specified

COVER 9

. HIJACK DISTRESS ALLOWAN

What it covers

The Company shall make an allowance to the Insured / Insured Person, in the event of hijack of a common carrier in which the

Insured / Insured Person is travelling

on a trip, of the amount as specified in the Schedule.

The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified

Schedule.

What it does not cover

The Company shall not be liable to

make any payment under this benefit for:

1. The first twelve (12) hours of the hijacking.

2. Any incident where the Insured / Insured Person is suspected to be either the principal or an accessory in the hijac

3. Any claim as a consequence

of a change in the regular routes of travel / journey of the common carrier due to traffic,

weather, fuel shortage, and technical snag or security reasons.

4. Any exclusion mentioned in the 'General Exclusions' section of this Policy.

COVER 10. VISA CANCELATION

The Company shall compensate the I

n

embassy) as hereunder if

Visa is cancelled by embassy where insured had applied for Visa and hence entire planned trip is

cancelled subject to visa cancellation letter with reason of cancellation should be submitted at the time of claim. This cove

applicable for only one visa application in connection to which insurance policy is bought. Deductible specified in the polic

schedule is applicable and shall be of an a

m

Special Condition applicable

1.

To avail this cover one must have bought insurance policy at least 30 days prior to visa interview date. if not, then this

cover will not be applicable

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

e

d / Insured Person the reasonable additional expenses incu

r

o

r more than the specified hours beyond the scheduled time

,

u

st be supported by receipts. This benefit is payable only onc

e

h

of the Insured / Insured Person or Family Member of the Ins

u

cause a travel delay.

f

affecting the Insured / Insured person, provided that the Ins

u

ye

d with the employer for at least five continuous years.

ing

delay. This must be authenticated by a letter from the commo

n

y

the Insured/ Insured Person for purposes of stay during the

t

ood

, vandalism, burglary, or natural disaster.

abdu

cted or quarantined.

e

victim of a felonious assault within 10 days prior to the depart

ur

m

ily member of the Insured has been a principal or accessory in

t

s

tination listed on the Insured/Insured Person‟s itinerary

w

i

val. “City” Means an incorporated municipality having define

d

area

s or airspace.

il

l be limited to the Sum Insured as specified in the Schedu

in the Schedule

. HIJACK DISTRESS ALLOWAN

CE

The Company shall make an allowance to the Insured / Insured Person, in the event of hijack of a common carrier in which the

on a trip, of the amount as specified in the Schedule.

The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified

make any payment under this benefit for:

1. The first twelve (12) hours of the hijacking.

2. Any incident where the Insured / Insured Person is suspected to be either the principal or an accessory in the hijac

of a change in the regular routes of travel / journey of the common carrier due to traffic,

weather, fuel shortage, and technical snag or security reasons.

4. Any exclusion mentioned in the 'General Exclusions' section of this Policy.

n

sured / Insured Perso

n standard Visa application fee (charged by respective

Visa is cancelled by embassy where insured had applied for Visa and hence entire planned trip is

cancelled subject to visa cancellation letter with reason of cancellation should be submitted at the time of claim. This cove

applicable for only one visa application in connection to which insurance policy is bought. Deductible specified in the polic

m

ount as specified.

To avail this cover one must have bought insurance policy at least 30 days prior to visa interview date. if not, then this

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

r

red by the Insured /

,

as mentioned in the

e

per trip for ;-

u

red Illness or injury

u

red / Insured person,

n

carrier.

t

rip or the destination

ur

e date, except where

t

he commission of the

w

ithin 30days of the

d

borders and does not

l

e. The deductible in

The Company shall make an allowance to the Insured / Insured Person, in the event of hijack of a common carrier in which the

The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified

in the

2. Any incident where the Insured / Insured Person is suspected to be either the principal or an accessory in the hijac

king.

of a change in the regular routes of travel / journey of the common carrier due to traffic,

n standard Visa application fee (charged by respective

Visa is cancelled by embassy where insured had applied for Visa and hence entire planned trip is

cancelled subject to visa cancellation letter with reason of cancellation should be submitted at the time of claim. This cove

r is

applicable for only one visa application in connection to which insurance policy is bought. Deductible specified in the polic

y

To avail this cover one must have bought insurance policy at least 30 days prior to visa interview date. if not, then this

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

Special Exclusions

1.

Visa cancellation for work Visa or any of such kind for work purpose/permit is excluded

2.

If is visa is applied for immigration and then cancelled then it is specifically excluded

3.

Visa application for Student Visa irrespective of course duration

4.

Other charges like document handling, agent fees, stationary and miscellaneous expenses are excluded

GENERAL EXCLUSIONS (

APPLICABLE TO ALL BENEFITS UNDER THE POLICY

Without prejudice to anything contained i

n

1.Any claim relating to events occurring b

e

insurance.

2. Any claim relating to expenses incurre

d

3.Treatment if that be the sole reason or

on

her current location.

4. Any claim if the insured/insured person

a.Is traveling against the advice

o

b.Is receiving, or is on a waiti

n

or certificate;

c. Has received terminal progno

s

d. Is taking part in a naval, milit

a

5. Deductibles as specified in the schedul

e

6. Any claim arising out of illnesses or inj

u

a. Has caused intentionally or by

b. Addiction

7. Any claim arising out of mental

d

indirectly, attributable to HIV (Hu

m

(Acquired Immuno Deficiency Synd

ro

8. illness and accidents that are results

civil war, rebellion, insurrection, ci

v

or usurped power, active participat

i

damage to property by o r under the

o

9. Any act of terrorism which means

a

thereof, of any person or group(s

)

organization(s) or governments(s), c

o

the intention to inf luence any govern

m

10. Any claim arising from damage t

o

or any consequential loss, directly o

r

a. Lionizing radiation or co

n

from the combustion of nu

cl

b. The radioactive, toxic, ex

p

nuclear component thereof.

11. Any claim arising out of sporting ac

ti

professional or semi-professional sports

pe

GENERAL CONDITIONS (APPLICAB

LE

1.

Minimum and Maximum age of the Insured /Insured Person shall be 6 months up to 70 years

2.

The Policy start date shall be on or before the trip start date.

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

Visa cancellation for work Visa or any of such kind for work purpose/permit is excluded

If is visa is applied for immigration and then cancelled then it is specifically excluded

Visa application for Student Visa irrespective of course duration

and type is excluded

Other charges like document handling, agent fees, stationary and miscellaneous expenses are excluded

APPLICABLE TO ALL BENEFITS UNDER THE POLICY

)

n

this policy, the company shall not be liable to make any pay

m

efore the commencement of the cover or otherwise outside of

t

d

for the treatment of pre-existing disease / conditions / illness

/

on

e of the reasons for the insured/insured person‟s travel and te

o

f a physician;

n

g list to receive, specified medical treatment declared in

t

s

is for a medical condition;

a

ry or air force operation

e

u

ry that the insured/insured person

committing a crime or as a result of drunkenness or

d

isorder, anxiety, stress, depression, venereal disease or

an

m

an Immuno Deficiency Virus) and/or any HIV related ill

n

ro

me) and/or any mutant derivative or variations thereof hows

oe

of war and war like occurrence or invasion, acts of foreig

n

v

il commotion assuming the proportions of or amounting to

i

on in riots, confiscation or nationalization or requisition o

f

o

rder of any government or local authority.

a

n act, including but not limited to the use of force or viol

e

)

of persons, whether acting alone or on behalf of or in

c

o

mmitted for political, religious, ideological, or ethnic purpose

s

m

ent and / or to put the public, or any section of the public, i

n

o

any property or any loss or expense whatsoever resul

t

r

indirectly, caused by or contributed to or arising from:

n

tamination by radioactivity from any nuclear f uel or from

cl

ear fuel or

p

losive or other hazardous properties of any explosive nu

c

ti

vities in so far as they involve the training or participation i

n

pe

rsons, unless declared beforehand and necessary additional p

r

LE

TO ALL BENEFITS UNDER THE POLICY):

Minimum and Maximum age of the Insured /Insured Person shall be 6 months up to 70 years

The Policy start date shall be on or before the trip start date.

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

Other charges like document handling, agent fees, stationary and miscellaneous expenses are excluded

m

ent in respect of:

t

he period of

/

injury.

m

porary stay in his/

he physician‟s report

an

y loss, directly or

n

ess including AIDS

oe

ver caused.

n

enemies, hostilities,

an uprising, military

f

or destruction of or

e

nce and/or the threat

c

onnection with any

s

or reasons including

n

fear,

t

ing or arising from

any nuclear waste

c

lear assembly or

n

competitions of

emium paid

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

3.

A Policy may not be extended if a claim is already filed by the Insured / Insured Person. If the Insured /Insured Person does

not declare the claims filed or the claims that are to be filed under the original

granted shall be deemed to be

invalid. No

Company will also not be liable to pay any claim filed under the extended Policy.

4. The Insured / Insured shal

l take all reasonable precautions to prevent illness and injury in order to minimize claims. Failure

to do so will prejudice the Insured / Insured Person's claim under this Policy.

5.

The Insured / Insured Person shall provide the Company with the details of

required by the Company from time to time.

6.

Deductible will be charged for each separate incident reported for claims payment, even though the claim may be registered

under the same benefit more than once

7. Claim Procedure -

What is to be done in case of a claim?

a. The Insured / Insured Person shall immediately contact the Help Line of Emergency Assistance Service Provider stating

necessary details. The details of phone numbers and Help Line are given in the Schedul

b.

The Insured / Insured Person needs to contact the Help Line number while abroad as soon as possible and inform in case

the Insured / Insured Person is/will be filing any claim, even if assistance is not required. The Company

pay any claim that has not been informed by the Insured / Insured Person while abroad to the Help Line.

c.

The Help Line of the Emergency Assistance Service Provider will verify the identity of the caller by asking appropriate

information.

d.

In the event of a illness / injury where it is not possible contact the Help Line before consulting a Physician or going to t

Hospital, the Insured / Insured Person shall contact the Help Line as soon as possible. In either case, when being admi

a patient, the Insured / Insured Person shall show the concerned Physician or personnel this Policy.

e. In case of Medical Expenses,

Dental Treatment

if these are incurred

with the approval of Emergency Assistance Service Provider.

f.

In case of Hijacking, the fact of the incident having occurred should be confirmed by police authorities. The police report

should contain details such as the passport number of the Ins

cases, the Company may consider other supporting documents such as a report issued by the airlines, newspaper reports,

TV and other media coverage with regard to the particular hijacking incid

8. Claims Settlement -

How to get the claim paid?

a.

If the procedure stated above is complied with, Emergency Assistance Service Provider, as the case may be,

will guarantee to the Hospital / other providers the costs of hospitalisation,

transportation home of the Insured / Insured Person including accompanying person, if any, and provide financial

emergency assistance to the Insured / Insured Person. All costs will be directly settled by Emergency

Service Provider

on the Company’s

obligations hereunder.

b. If the

Hospital / other providers do not accept the guarantee of payment from Emergency Assistance Service

P

rovider, the Company cannot be held liable for the same. The cost will then have to be borne by the Insured /

Insured Person and the same will then be reimbursed by the Emergency Assistance Service Provider / the Company

on submission of required documen

c. Reimbursement of all claims

will be made by the Emergency Assistance Service Provider / the Company in Indian

Rupees on the Insured / Insured Person's return back to the Republic of India, at the exchange rate specified by

the Reserve Bank

of India, as applicable on the date the amount is billed.

d.

Insured / Insured Person with an immigrant visa, going abroad permanently and having declared an immigrant

status on the Policy will be reimbursed claims abroad.

9. Claim Documentation - What

documents I need to submit?

a. The original ticket /

boarding pass

submitted

with every claim,

along

b. Original bills /

vouchers

/

reports

c. Bills /

vouchers

/

reports

/

discharge

illness, details of

the

individual items

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

A Policy may not be extended if a claim is already filed by the Insured / Insured Person. If the Insured /Insured Person does

not declare the claims filed or the claims that are to be filed under the original

Policy, then

any extension of the Policy if

invalid. No

refund of premium will be given in case of extensions so

invalidated. The

Company will also not be liable to pay any claim filed under the extended Policy.

l take all reasonable precautions to prevent illness and injury in order to minimize claims. Failure

to do so will prejudice the Insured / Insured Person's claim under this Policy.

The Insured / Insured Person shall provide the Company with the details of

the trip and other information as may be

required by the Company from time to time.

Deductible will be charged for each separate incident reported for claims payment, even though the claim may be registered

under the same benefit more than once

.

What is to be done in case of a claim?

a. The Insured / Insured Person shall immediately contact the Help Line of Emergency Assistance Service Provider stating

necessary details. The details of phone numbers and Help Line are given in the Schedul

e attached to this Policy.

The Insured / Insured Person needs to contact the Help Line number while abroad as soon as possible and inform in case

the Insured / Insured Person is/will be filing any claim, even if assistance is not required. The Company

pay any claim that has not been informed by the Insured / Insured Person while abroad to the Help Line.

The Help Line of the Emergency Assistance Service Provider will verify the identity of the caller by asking appropriate

In the event of a illness / injury where it is not possible contact the Help Line before consulting a Physician or going to t

Hospital, the Insured / Insured Person shall contact the Help Line as soon as possible. In either case, when being admi

a patient, the Insured / Insured Person shall show the concerned Physician or personnel this Policy.

Dental Treatment

, Repatriation of Mortal Remains, the Company's liability will only attach

with the approval of Emergency Assistance Service Provider.

In case of Hijacking, the fact of the incident having occurred should be confirmed by police authorities. The police report

should contain details such as the passport number of the Ins

ured / Insured Person, the period of hijack, etc. In rare

cases, the Company may consider other supporting documents such as a report issued by the airlines, newspaper reports,

TV and other media coverage with regard to the particular hijacking incid

ent.

How to get the claim paid?

If the procedure stated above is complied with, Emergency Assistance Service Provider, as the case may be,

will guarantee to the Hospital / other providers the costs of hospitalisation,

transportation for emergency services,

transportation home of the Insured / Insured Person including accompanying person, if any, and provide financial

emergency assistance to the Insured / Insured Person. All costs will be directly settled by Emergency

on the Company’s

behalf and the same shall constitute due discharge of the Company's

Hospital / other providers do not accept the guarantee of payment from Emergency Assistance Service

rovider, the Company cannot be held liable for the same. The cost will then have to be borne by the Insured /

Insured Person and the same will then be reimbursed by the Emergency Assistance Service Provider / the Company

on submission of required documen

ts.

will be made by the Emergency Assistance Service Provider / the Company in Indian

Rupees on the Insured / Insured Person's return back to the Republic of India, at the exchange rate specified by

of India, as applicable on the date the amount is billed.

Insured / Insured Person with an immigrant visa, going abroad permanently and having declared an immigrant

status on the Policy will be reimbursed claims abroad.

documents I need to submit?

boarding pass

or a copy of the

passport

indicating the

travel

along

with the

completed

claim

form.

reports

and

discharge summary

must

be

submitted

along with

all

discharge

summary

must mention

the

name

of the

person

treated,

individual items

of medical

treatment

provided and the

dates

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

A Policy may not be extended if a claim is already filed by the Insured / Insured Person. If the Insured /Insured Person does

any extension of the Policy if

invalidated. The

l take all reasonable precautions to prevent illness and injury in order to minimize claims. Failure

the trip and other information as may be

Deductible will be charged for each separate incident reported for claims payment, even though the claim may be registered

a. The Insured / Insured Person shall immediately contact the Help Line of Emergency Assistance Service Provider stating

e attached to this Policy.

The Insured / Insured Person needs to contact the Help Line number while abroad as soon as possible and inform in case

the Insured / Insured Person is/will be filing any claim, even if assistance is not required. The Company

will not be liable to

pay any claim that has not been informed by the Insured / Insured Person while abroad to the Help Line.

The Help Line of the Emergency Assistance Service Provider will verify the identity of the caller by asking appropriate

In the event of a illness / injury where it is not possible contact the Help Line before consulting a Physician or going to t

he

Hospital, the Insured / Insured Person shall contact the Help Line as soon as possible. In either case, when being admi

tted as

, Repatriation of Mortal Remains, the Company's liability will only attach

In case of Hijacking, the fact of the incident having occurred should be confirmed by police authorities. The police report

ured / Insured Person, the period of hijack, etc. In rare

cases, the Company may consider other supporting documents such as a report issued by the airlines, newspaper reports,

If the procedure stated above is complied with, Emergency Assistance Service Provider, as the case may be,

transportation for emergency services,

transportation home of the Insured / Insured Person including accompanying person, if any, and provide financial

emergency assistance to the Insured / Insured Person. All costs will be directly settled by Emergency

Assistance

behalf and the same shall constitute due discharge of the Company's

Hospital / other providers do not accept the guarantee of payment from Emergency Assistance Service

rovider, the Company cannot be held liable for the same. The cost will then have to be borne by the Insured /

Insured Person and the same will then be reimbursed by the Emergency Assistance Service Provider / the Company

will be made by the Emergency Assistance Service Provider / the Company in Indian

Rupees on the Insured / Insured Person's return back to the Republic of India, at the exchange rate specified by

Insured / Insured Person with an immigrant visa, going abroad permanently and having declared an immigrant

travel

dates

must be

all

claims.

treated,

the type of

dates

of

treatment.

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

P

r

e

s

c

r

i

p

t

i

on

s

must c

l

ea

r

l

y

sho

and

bear

the receipt

stamp

of

the

give the details of the tooth

treated

separate ailments

will be

treated

and

supporting

documents

should

d.

For

reimbursement

of the

costs

Republic of India or of

costs

of burial

giving the

cause

of

death

needs

accepted. Original

bills /

receipts

as

per the usual and

customary

e.

For

reimbursement

of extra

expenses

medical

statement

from

a

registered

transportation needs

to be

Original bills /

receipts

of

the

as

per the usual

and

customary

f.

For loss of

passport

or documnets

becoming aware

of the theft

needs

incurred for new / fresh

passport

g.

In

case

of total loss of

checked

the

common carriers

in

the

event

A

letter from the airline

will

also

for the

lost

baggage.

h.

Adequate

proof of

ownership

of

Rupee equivalent

of

US$

100

for

i.

Original bills of

emergency

report from the airline

stating

the

case

of delay of

checked-in

baggage

j.

For

personal accident,

original

mentioning

the

name

of the

person treated,

medical

treatment

provided

and

submitted.

k.

For claims under trip delay

the

statement

or police

report

confirming

injury or

death

of a

travelling

companion

indicating

Passport number

of the

Insured

additional

expenses

incurred

and/or

l.

For claims under trip

cancellation

Medical

reports

and

doctors

employment, termination

letter

incident shall

be

submitted.

tickets of the

Insured

/

Insured

on

the

same dates.

It

should contain the

All original bills /

receipts

of r

ea

levied by the

carriers

shall be

submitted.

m.

For claims under

missed

connection

the airline,

mentioning

the

scheduled

flight also

needs

to be

mentioned.

/ or proof of

cancellation

charges

n.

Any other

document(s)

that

claim may be

asked

for.

If

the

Emergency Assistance

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

sho

w

the

m

e

d

i

c

i

n

e

s

prescribed.

The

pharmacy

bills must

clearly

the

pharmacy.

In the

case

of dental

treatment,

the bills /

vouchers

treated

and the

treatment performed. Treatment

taken

on

treated

as separate

claims. The

claim

forms should

clearly

should

be provided for

each

one.

Deductible

will

apply to

each

claim

costs

of

transporting

the mortal

remains

of the

Insured

/

Insured

of burial

abroad,

an official

death

certificate and a

physician's

needs

to be

submitted. Medical

statements

from

spouses

/

relatives

receipts

of

expenses

incurred

need

to be

submitted also.

These

customary

charges

incurred for the

same

expenses

of

transportation

of

Insured

/

Insured Person

to

the

registered

Physician

indicating the

cause

of illness

and

submitted. Medical

statements

from

spouses/ relatives

will

the

expenses

incurred

need

to

be

submitted

also.

These

customary

charges

incurred for the

same.

or documnets

,

a Police Report

obtained

within 24 hours of

the

Insured

needs

to

be

submitted.

Along with this, original bills /

receipts

passport

needs

to be

submitted.

checked

-in baggage,

a

Property Irregularity

Report or other

report

event

of loss of

checked-in baggage

will

need

to be

submitted

need

to be

submitted

stating the

compensation,

if

any

of

items

contained

within

checked-in

baggage

valued in

excess

for

loss/delay

of

checked-in baggage

will

need

to be

submitted.

items

purchased

and the

Property

Irregularity

Report

the

date and time of arrival of

delayed baggage

needs

baggage

claims.

original

bills /

vouchers

/

reports

/

discharge summary

are

person treated,

the

cause

of

accident,

details of the

individual items

and

the

dates

of

treatment.

In

case

of

death

a Post mortem

the

following

documents need

to

be

furnished.

Medical

reports

confirming

the incident

causing

the trip delay. In

case

the

delay

travelling

companion, the

original tickets of the

Insured

/

Insured Person

indicating

travel to the

same destination

on the

same dates.

It

should

Insured

/

Insured Person

and period.

All

original bills /

receipts

and/or

proof of

cancellation

charges

levied by the

carriers

shall

cancellation

and interruption the following

documents

need

doctors

statement

if

trip is

cancelled

or

interrupted

due to

medical

letter

from the

company.

If

due

to

other

events,

police

report

In

case

ofillness, injury or

death

of a

travelling

companion,

Insured

Person and

the travelling

companion

indicating travel to

the

should contain the

Passport number

of

the Insured

/

Insured

ea

s

on

a

b

l

e a

dd

i

t

i

on

a

l

expenses

i

ncu

rr

e

d

and/or

p

r

oo

f

o

f

cancellation

submitted.

connection

the following

documents

need

to be

submitted

i.e.

scheduled

arrival time and the actual arrival time. The

reason

mentioned.

All original bills /

receipts

of

reasonable

additional

expenses

charges

levied by the

carriers

shall be

submitted.

the

Company

may require from

the Insured

/

Insured

Person

Emergency Assistance

Service

Provider or the

Company

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

clearly

show the price

vouchers

/

reports

must

on

different

dates

for

clearly

indicate the

same

claim

separately.

Insured

Person

to the

physician's

statement

relatives

will

not be

These

would be paid

the

Republic of India, a

and

the necessity

of

will

not be

accepted.

These

would be paid

Insured

/

Insured Person

receipts

of

expenses

report

usually

issued

by

submitted

with the claim form.

received

from them

excess

of the Indian

submitted.

Report

or any such other

needs

to

be

submitted

in

are

to be

submitted,

individual items

of

report, shall also be

reports

and

doctors'

delay

is

owing toillness,

Insured Person

and the

should

contain the

receipts

of

reasonable

shall

be

submitted.

to be

submitted.

medical

reasons.

If

due to

report

confirming the

companion,

the original

the

same destination

Insured

Person

and period.

cancellation

charges

i.e.

confirmation from

reason

for delay in the

expenses

incurred and

Person

to

process

a

Company

request

that bills /

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

voucher

in a foreign

language

translation

must

be

borne by

the

o.

Claim

documents

to be

submitted

i. First Information

Report

ii.

Panchnama

iii.

Investigation

Report

iv.

Estimate

and

final

v. Invoices of

owned

vi. And any other

document

benefit.

10. Obligations of the Insured /Insured Person:

a.

Claims for

benefits

must be

submitted

month after the

completion

of the

transportation

of the mortal

remains/ burial.

b.

Insured

/

Insured Person

shall

information that is

required

to

pay the

benefits.

In particular,

upon

trip.

c.

If

requested

to do so by

the

is obliged to

undergo

a

medical

Service Provider.

d.

Emergency Assistance

Service

measures

that are

suitable

for loss

Person's transportation

back to

e.

The

Company

shall be

released

aforementioned

obligations

are

11. Transfer and Set-off of Claims:

a.

If

the

Insured

/

Insured

Person

transferred

in writing to

by the

Company

in

accordance

b.

In so far

as

an

Insured

/

Insured

from third

parties

liable

entitled to set off this

compensation

c.

Claims to the

insurance

Person.

12. No sum payable under this Policy shall carry any interest /penalty.

13. The cover applies to all countries

stated in the Schedule except the Republic of India where the Insured / Insured Person

has a permanent place of residence, except as otherwise provided.

14. In the event of the Insured / Insured Person's death, the Company shall have the right to dema

mortem / autopsy report.

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

language

be

accompanied

by

an

appropriate translation

then

the

Insured

/

Insured

Person.

submitted

in event of a claim benefit

under

home burglary

insurance

Report

from the

Police

Report

by the

Police

final

bills of

repairers

owned

articles,

if

required

by the

Company

document

as

may be

appropriately applicable

for the

claims

10. Obligations of the Insured /Insured Person:

submitted

to the

Emergency Assistance Service

Provider

not

of the

treatment

or

transportation

home, or in the

event

remains/ burial.

shall

provide to the

Emergency Assistance Service

Provider

to

determine

the

occurrence

of the

insurable

event or the

Company's

upon

request,

proof shall

be

furnished

of the actual

commencement

the

Emergency Assistance Service

Provider, the

Insured

medical

examination

by a

physician designated

by the

Emergency

Service

Provider is

authorized

by

the Insured

/

Insured

for loss

prevention

and claim minimization which

includes

the

the Republic of

India.

released

from any obligation to pay

benefits

under t h i s

Policy

are

breached

by the

Insured /Insured

Person.

Person

has any

outstanding

claims

against

third

parties,

such

the Company

up to the

amount

for which the

reimbursement

accordance

with the terms

hereunder.

Insured

Person receives compensation

for

costs he/she

has

for

damages

or

as

a result of other legal

circumstances,

the

compensation

against

the

insurance benefits payable,

if

any.

insurance

benefits

may be neither

pledged nor transferred

by

the

12. No sum payable under this Policy shall carry any interest /penalty.

stated in the Schedule except the Republic of India where the Insured / Insured Person

has a permanent place of residence, except as otherwise provided.

14. In the event of the Insured / Insured Person's death, the Company shall have the right to dema

nd the submission of a post

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

then

the

costs

of such

insurance

are :

claims

preferred

under this

not

later than one (1)

event

of

death, after

Provider

on

demand

any

Company's

liability

to

commencement

date of the

Insured

/

Insured Person

Emergency

Assistance

Insured

Person

to take all

the

Insured

/

Insured

Policy

, if

any

, of the

such

claims shall be

reimbursement

of

costs is

made

has

incurred either

the

Company

shall be

the

Insured

/

Insured

stated in the Schedule except the Republic of India where the Insured / Insured Person

nd the submission of a post

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

STANDARD TERMS AND CONDITIO

N

1. Duty of

Disclosure

The Policy shall be void and all

premium

misrepresentation, mis-description

or

statements,

misrepresentation, mis-

description

personal statement, declaration and

connected

Claim being

fraudulent

or any

fraudulent

acting on his/ their behalf

to

obtain

discretion

and the premium paid shall be

forfeited

2.

Observance

of terms and

conditions

The due

observance

and fulfillment of

they relate to anything to be done

or

complied

precedent

to any of the

Company’s

liability to

3. Reasonable Care

The

Insured

/

Insured Person

shall

take

Person against accidental

loss

or

damage

4. Material change

The

Policyholder

shall immediately

notify

change

in

occupation

/

business at

his

premium,

if

necessary, accordingly.

5. Records to be maintained

The

Policyholder/ Insured Person

shall

records

and shall allow the

Company

or

Person

shall furnish such information

as

Period and up to three

years

after

the

policy

this

Policy.

6. No

constructive Notice

Any

knowledge

or information of any

circumstance

in

possession

of the

Company

and

not

to bind or prejudicially affect the

Company

7.

Complete

discharge

Payment made

by the

Company

to the

Policyholder/

legal

representative

of

the

Policyholder

compensation

or benefit under the

Policy

of the

Company.

8.

Special Provisions

Any

special provisions subject

to which

this

instrument

shall be

deemed

to

be

part

of

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

N

S (APPLICABLE TO ALL BENEFITS UNDER THE PO

L

premium

paid

hereon

shall be forfeited to

the Company,

in

or

non-

disclosure

of any material fact. In the event

of

description

or

non-disclosure

of any

material particulars

in

the

connected

documents,

or any material information having

fraudulent

means

or device being

used by

the

Policyholder/

Insured

a benefit under this Policy, the

Company

may

cancel

this

forfeited

in its

favor.

conditions

of

the Policy Terms &

Conditions

and

Endorsements

of

this

complied

with by the

Policyholder

/

Insured Person,

shall

liability to

make any

payment under

this

Policy.

take

all

reasonable steps

to

safeguard

the

interests

of

the

damage

that may give rise to a

claim.

notify

the

Company

in writing of

any

material

change

in

the

his

own

expense

and the

Company

may adjust the

scope

shall

keep an

accurate

record

containing

all

relevant

medical

or

its

representative(s)

to

inspect

such

records.

The

Policyholder/

as

the

Company

may require

under

this Policy at any

time

policy

expiration,

or until final

adjustment

(if

any) and

resolution

circumstance

or condition in relation

to

the

Policyholder/

Insured

not

specifically informed by the

Policyholder

/

Insured

Person

Company

notwithstanding

subsequent acceptance

of any

premium.

Policyholder/

adult

Insured Person or

the

Nominee

of the

Policyholder

or to the Hospital,

as

the

case

may be, of any

Medical

Policy

shall in all

cases be

complete

and

construe as

an

effectual

this

Policy has

been entered

into

and endorsed

in the

Policy

of

this Policy and shall have effect

accordingly.

An ISO 9001:2008

Certified Company

Reliance Centre, South Wing, 4th Floor,

Off. Western

ance General Insurance Company Limited under License.

L

ICY):

in

the event of

of

untrue or incorrect

the

proposal

form,

been

withheld,

or

a

Insured

Person

or any one

this

Policy at

its

sole

this

Policy in so far

as

shall

be a

condition

the

Insured

/

Insured

the

risk on

account

of

scope

of cover

and/or

medical

&

other

relevant

Policyholder/

Insured

time

during the Policy

resolution

of all

Claims

under

Insured

Person

which is

Person

shall

not

be held

premium.

Policyholder

or the

Medical

Expenses

or

effectual

discharge

in favor

Policy

or in any

separate

Reliance General Insurance Company Limited.

IRDAI Registration No. 103.

Registered Office:

H Block, 1 Floor, Dhirubhai Ambani Knowle

Express Highway, Santacruz (East), Mumbai - 400 055.

Corporate Identity Number: U66603MH2000PLC128300.

UIN: IRDA/NL

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

9. Electronic

Transactions

The

Policyholder/ Insured Person

agrees

may

prescribe

from time to

time,

and

hereby

for

conducting remote transactions

including

teleservice operations

(whether

voice,

computer, automated machines

network

the

Company,

for

and

in

respect

of

the

constitute

legally binding and valid

transactions

terms and

conditions

for such facilities,

as

10. Duties of the

Insured/ Insured

Person

On the

occurrence

of any loss,

within

a) Forthwith file / submit a

Claim

b)

Allow

the

Surveyor

or any

agent

c) Assist and not hinder or

prevent

d) Not to

abandon

the

insured

property

damage

before the

same has

been

If

the

Insured

/

Insured Person does

not

forfeited, at the option of

the Company.

11. Right to

inspect

If

required

by the

Company,

an

agent

appointed

in that behalf shall in

case

of

any

/

Insured Person

be

permitted

at all

reasonable

Insured Person

shall

on

being

required

relating to or

containing entries

relating

extracts from

such of them

as

may be

required

way

assist

the

Company

to

ascertain

12. Position after a

claim

The

Insured

/

Insured Person

shall not

be

possession

of the

same

or not.

As

from

the

Insured

for the

remainder

of the period

13.

Indemnity

The

Company

may at its option,

if

applicable

part thereof

instead

of

paying

the

amount

shall not be bound to

reinstate

exactly or

manner.

In no

case

shall the

Company

be

such property

as

it

was at the time of the

occurrence

Insured

Person

thereon.

If

in any

case

the

because

of any law or other

regulations

every

such

case,

only be liable to pay

such

14.

Subrogation

shall

mean

the right of the

Company

expenses

paid out under the

Policy

that

shall at his own

expense

do or concur in

reasonably required

by

the Company

for

remedies

or obtaining relief or indemnity

the

Company paying

for a Claim under

this

before or after its

payment.

Neither the

Policyholder

IRDAI Registration No. 103.

An ISO 9001:2008

H Block, 1 Floor, Dhirubhai Ambani Knowle

dge City, Navi Mumbai - 400710. Corporate Office:

Reliance Centre, South Wing, 4th Floor,

UIN: IRDA/NL

-HLT/RGI/P-T/V.I/321/13-14

Trade Logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reli

ance General Insurance Company Limited under License.

agrees

to

adhere

to and comply with all such terms and

conditions

hereby

agrees

and confirms that all

transactions effected

by

including

the

Internet, World

Wide Web,

electronic

data

interchange,

voice,

video, data or

combination

thereof) or by

means

or through other

means

of

telecommunication,

established

the

Policy or its terms, or the

Company’sother products

transactions

when done in

adherence

to and in

compliance

with

as

may be

prescribed

from time to

time.

Person

on

occurrence

of

loss

within

the

scope

of this Policy the

Insured/Insured Person

shall:

Claim

Form in

accordance

with

'Claim

Procedure'

agent

of the

Company

to

inspect

the lost /

damaged properties

premises

prevent

the

Company

or any of its

agents

in

pursuance

of their

duties.

property

/ items in the

premises, nor

take any

steps

to

rectify

been

approved

by the

Company

or any of its

agents

or the

Surveyor.

not

comply with this provision of

this

Clause,

all

benefits

under

/

representative

of the

Company

including a loss

assessor

any

loss or any

circumstances

that have given rise to the

reasonable

times to

examine

into the

circumstances

of such

loss.

so to do by the

Company produce

all books of

accounts,

to the loss

or

such

circumstance

in his

possession

and

furnish

required

by the

Company

so far

as

they relate

to

such

claims

in

the

correctness

thereof or the

liability

of the

Company

under

be

entitled to

abandon

any

insured

property

whether

the

Company

the

day of receipt of the claim

amount

by the

Insured

/

Insured

the period

of

insurance

shall

stand reduced

by the

amount

of the

compensation.

applicable

reinstate, replace

or repair

the

property or

premises

lost

amount

of loss or

damage

or may join with any other insurer in so

completely

but

only

as circumstances

permit and in

reasonably

be

bound to

expend