Reliance Inland Travel Care Policy

What it covers
The Company will pay as compensation to a maximum of two dependent children of the Insured / Insured Person, not exceeding 21 years of age, a sum as specified in the Schedule in case of death due to injury, sustained while the Insured Person is on Trip, of the spouse trip.

What it does not covers
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:

• If the spouse of the Insured / Insured Person is travelling in an aircraft which is not a scheduled commercial airline;
• If the spouse of the Insured / Insured Person is flying or engaging in any other aerial activity as part of the aircraft‟s crew.
• If the spouse of the Insured / Insured Person is participating in or training for any professional sport.
• For any claim which results from any criminal or illegal criminal act of the spouse of the Insured / Insured Person.
• The spouse of the Insured / Insured Person is accompanying the Insured / Insured Person on a trip.
• Any exclusion mentioned in the 'Personal Accident' section of this policy.

In the event of the death of an immediate family member of the Insured / Insured Person limited to spouse and dependent children in India, the Company shall reimburse expenses for the emergency return trip of the Insured / Insured Person to be near the family member in the Hospital / Nursing Home in India or his / her original place of residence in India.

Provided however that the Company's liability for the expenses relating to this benefit shall in no case exceed the Sum Insured as specified in the Schedule

What it does not cover

This benefit does not cover any other loss, directly or indirectly, in whole or in part, including loss caused by or resulting from any exclusion mentioned in the 'General Exclusions' section of this policy.

What is covers
In the event the Insured / Insured person is hospitalized for a period exceeding the number of days (as specified in the schedule) consecutively, and his / her medical condition forbids transportation back to his / her original place of residence and no adult member of his / her immediate family is present, the Company after obtaining confirmation of the need for a companion from the attending doctor, will provide

• a round trip economy class air ticket, or first class railway ticket, to allow one family member limited to spouse, children or parents, to be at his / her bedside for the duration of stay in the Hospital / Nursing Home;
• expenses towards stay of the family member during such compassionate visit.

Provided however that the Company's liability for round trip ticket and the expenses relating to this benefit shall in no case exceed the Sum Insured as specified in the Schedule

This benefit is payable up to the limit of the sum Insured as specified in the schedule provided that a val id claim should have been admitted under the Emergency Medical Expenses Benefit of the policy.

What it covers
The Company shall pay or reimburse to the Insured / Insured Person expenses incurred on acute anesthetic treatment of a natural tooth or teeth during a trip but not exceeding the Sum Insured as specified in the Schedule.The deductible in respect of this benef it will be applicable for each separate claim, and shall be of an amount as specified in the Schedule. However dental care rendered necessary as a result of an accident shall be 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 connection with or in respect of any expenses whatsoever incurred by the insured / Insured Person for:

• Medical treatment being sole reason or one of the reason for travel and temporary stay in the current location.
• Any Pre-existing condition / illness / injury unless the medical assistance provided involves unforeseen emergency measures to save the Insured / Insured Person's life.
• Treatment which could reasonable be delayed until the Insured / Insured Person‟s return to the place of residence. The question of what can or what cannot be reasonable delayed will be decided jointly by the treating Dentist and the Company.
• Treatment of orthopaedic, degenerative or oncological diseases, unless the medical assistance provided involves unforeseen emergency measures to save the Insured / Insured Person's life.
• Charges in excess of reasonable and necessary charges as determined by the company.
• Expenses incurred in connection with cancer treatment, unless the medical assistance provided involves unforeseen emergency measures to save the Insured / Insured Person's life.
• Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'Plastic' surgery in any form or manner.)
• Any exclusion mentioned in the 'General Exclusions' section of this Policy.

What it cover
In the event of hospitalization of the Insured / Insured Person for more than specified number of days as mentioned in the schedule due to illness or injury contracted or sustained within the period of insurance whilst on the trip, the company will pay to the Insured / Insured person a daily allowance.

This benefit is payable up to the limit of the Sum Insured as specified in the Schedule provided that a valid claim should have been admitted under the Emergency Medical Expenses Benefit of the Policy.

The Policy will Indemnify the Insured / Insured Persons against financial loss incurred due to any misuse / Unauthorized transact ions effected by reason of loss / theft of a Debit / Credit card of the Insured during the trip.

The Company shall not be liable in respect of

• Loss in respect of debit / credit card for which no FIR has been registered for the loss / theft.
• • Loss or damage directly or indirectly, proximately or remotely occasioned by or which arises out of or in connection with terrorism.
  • Loss or damage whether directly or indirectly, arising from war, warlike operations and of foreign enemy hostilities (whether war be declared or not), civil war, revolution, insurrection, civil commotion, military or usurped power, seizure, capture, confiscation, arrests, restraint and detainment by Order of any government or any other authority.
• • Loss of debit card directly or indirectly, caused by or contributed to by, or arising from ionizing radiation or contamination by radioactivity from any source whatsoever.
  • Loss of debit card directly or indirectly, caused by or contributed to by or arising from Nuclear weapons material.
• Loss or damage caused intentionally.
• Loss or damage arising out of contractual liability or agreement.
• Confiscation, nationalization, seizure or requisition by any public authority.
• Loss or damage due to willful act or willful negligence on the part of the Insured / Insured Person.
• Debit card which has expired and not renewed by the Insured / Insured Person.
• Misuse of debit card which has never been reported in spite of more than two misuses.
• Theft of debit card from any car except car of fully enclosed saloon type having at the time all the doors, windows and other openings securely locked and properly fastened.
• Any loss without any substantiation, mysterious disappearance or unexplained losses.
• Loss or damage occasioned by theft or dishonesty or any attempt thereat committed by or where such loss or damage has been expedited by or in any way sustained or brought about by:
• Any of the Insured Person‟s family members.
• Any servant or traveler or messenger in the exclusive employment of the Insured Person.
• Any customer or broker or their customer.

What it covers
In the event the driving license and / or travel tickets (Air/Rail) belonging to the Insured / Insured Person is lost, the company will reimburse the Insured / Insured Person the actual expenses, necessarily and reasonably incurred in connection with obtaining a duplicate or fresh copies of these documents 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

What it does not cover
The company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whats oever incurred by the Insured / Insured Person for:

• Loss of the documents due to delay or confiscation or detention by the customs, Police or public authorities.
• Loss of the 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.
• Loss of the documents due to it being left unattended or forgotten by the insured / insured person in a public place or publi c transport, hotel or apartment.
• Loss or theft of the documents from a private place or from a private vehicle, unless it was located in a locked hotel room, apartment or locked vehicle, and forcible and violent entry was used to gain access to it.
• Any exclusion mentioned in the 'General Exclusions' section of this policy.

What it covers
The Company shall compensate the Insured / Insured Person for the total loss of checked-in baggage on a trip. The cover is limited to the travel destinations specified in the Proposal Form. All halts and via destinations included in this main travel ticket will be covered under this benefit. The compensation will be limited to 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

What it does not cover
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:

• Valuables and money, all kinds of securities and tickets / passes or any other item not declared to, and agreed to by, the Company.
• Loss of property unless a Property Irregularity Report or other report usually issued by common carriers in the event of loss of checked-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 baggage, which are valued in excess of Rs. 1,000 without appropriate proof of ownership.
• Losses arising from any delay, detention, confiscation by customs officials or other public authorities.
• Loss due to partial damage of the checked-in baggage.
• Any exclusion mentioned in the 'General Exclusions' section of this Policy.

Special Conditions

• 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 the Schedule provided that:
  • Maximum amount payable per checked-in baggage, in case more than one bag has been checked-in, is 50% of the applicable Sum Insured. In case of only one bag being checked-in, the amount payable is 100% of the applicable Sum Insured.
  • 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.

• 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.
• The amount payable in respect of any one article, pair or set is limited to the amount as specified in the Schedule
• In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be obtained from the airline immediately upon discovery of the loss which must be submitted to the Company.
• 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.

What it covers
The Company will indemnify the insured / Insured person in the event the Insured / Insured Person becomes legally liable to a third party under law for an incident which results in death, injury or damage to the health of such third party or damage to his / her properties, but not exceeding the sum Insured as specified in the schedule and provided the incident occurs during the period of insurance an d whilst on a trip.

What it does not cover
The company shall not be liable to make any payment under this benefit in respect of the following:

• Any claim arising from Insured / Insured Person's contractual liability or through promises made by the Insured / Insured Person.
• Any claim of personal liability of the Insured / Insured Person towards his / her family or relations, whether personal or official.
• Any claim resulting from transmission of an illness by the Insured / Insured person.
• Any claim or damage resulting from professional activities involving the Insured / Insured Person.
• Any claim for liability arising, directly or indirectly, from or due to:
  • The possession of animals, birds, reptiles, insects, etc. and their byproducts like skin, hair, feathers, horns, fur, ivory, bones, eggs, etc.
  • The ownership or possession of vehicles, aircrafts, water crafts, or activities of the insured / insured person involving parachuting, hand-gliding, hot air ballooning or use of firearms.
  • Any willful, malicious or unlawful act.
  • Insanity, the use of any alcohol / drugs (except as medical prescribed) or drug addiction.
  • Any supply of goods or services on the part of the Insured / Insured person.
  • Any ownership or occupation of land or buildings other than the occupation of any temporary residence.
• Any exclusion mentioned in the 'General Exclusions' section of this policy.

Special Conditions

• The Company shall be responsible for contesting unjustified claims against the Insured / Insured Person and providing indemnity for damages, which the Insured / Insured Person has to pay. For indemnity to be provided against damages, the damages must be payable under an acceptance of liability given or approved by the company or under a judicial decision rendered by a court of law.
• If there is a legal action in process against the Insured / Insured person over a personal liability issue, the company may conduct the legal action, including appointment of legal counsel, at the company's expense in the name of the Insured / Insured person at t he company's sole discretion.
• The company will have the right, but in no case the obligation, to take over and conduct in the name of the Insured / Insured person the defense of any claim and will have full discretion in the conduct of any proceedings and in the settlement of any claim and having taken over the defense of any claim, the company may relinquish the same.
• In the event the company, in its sole discretion, chooses to exercise its right in pursuance of this condition, no action tak en by the company in the exercise of such right will serve to modify or expand in any manner, what the company's liability or obligations under this Policy would have otherwise been had it not exercised its right under these special conditions.

What it covers
The company shall pay the Insured / Insured person in the event of a financial emergency arising due to theft, mugging, robbery, dacoity of the funds of the Insured / Insured person, an amount 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

For the purpose of this benefit, financial emergency shall mean a situation wherein the Insured / Insured Person losses all or a substantial amount of his / her travel funds due to theft, robbery,

Mugging or dacoity, such that there is a detrimental effect on his / her travel plans. The company shall have the sole discre tion to determine whether a financial emergency has occurred in any instance.

What it does not cover
The company shall not be liable to make any payment under this benefit in respect of the following:

• A stortage or loss of funds due to currency fluctuation, errors, omissions, exchange loss or depreciation in value.
• Any loss not reported to the Police having jurisdiction at the place of loss within 24 hours of the occurrence of the incident and a written report being obtained for the same.
• Any claim in respect of a loss of traveller's cheques not immediately reported to the local branches or agents of the issuing authority.
• Loss of funds not kept in the personal custody of the Insured / Insured Person.
• Any exclusion mentioned in the 'General Exclusions' section of the Policy.

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 he / she is traveling 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 as specified in the schedule

What it does not cover
The company shall not be liable to make any payment under this benefit for:

• Deductibles as specified in the schedule.
• Any incident where the Insured / Insured Person is suspected to be either the principal or an accessory in the hijacking.
• Any claim as a consequence of a change in the regular routes of travel / trip of the common carrier due to traffic, weather, fuel shortage, and technical snag or security reasons.
• Any exclusion mentioned in the 'General Exclusions' section of this Policy.

What it covers
The Company shall reimburse the Insured / Insured Person the reasonable additional expenses incurred by the Insured / Insured Person if his / her trip is delayed for more than the specified hours beyond the scheduled time, as mentioned in the Schedule. Incurred additional expenses must be supported by receipts. This benefit is payable only once per trip for:

• Unforeseen illness, injury, or death of the Insured / Insured Person or Family Member of the Insured Illness or injury must be so disabling as to reasonably cause a travel delay.
• Termination of employment or layoff affecting the Insured / Insured person, provided that the Insured / Insured person, as the case may be, has been employed with the employer for at least five continuous years.
• Inclement weather conditions causing delay. This must be authenticated by a letter from the common carrier.
• The place intended to be occupied by the Insured / Insured Person for purposes of stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster.
• The Insured / Insured Person being abducted or quarantined.
• The Insured / Insured Person being the victim of a felonious assault within 10 days prior to the departure date, except where the insured / insured person or any Family member of the Insured has been a principal or accessory in the commission of the felonious assault.
• A terrorist incident in a City / destination listed on the Insured / Insured Person's itinerary within 30days of the Insured / Insured Person's schedule arrival. 'City' Means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.
• Delay by the common carrier.
• Lost or stolen travel documents.

The reimbursement under this benefit will be limited to the Sum Insured as specified in the Schedule. The deductible in respect of this benefit shall be as specified in the Schedule.

What it covers
The Company shall compensate the Insured / Insured Person as hereunder if a trip is canceled or interrupted due to any of the following reasons:

• Unforeseen illness, injury, or death of the Insured / Insured Person's family member injury or illness must be so disabling as to reasonably cause a trip to be canceled or interrupted;
• Termination of employment or layoff affecting the Insured / Insured Person, provided that the Insured Person, as the case may be, have been employed with the Insured for at least three continuous years;
• Inclement weather conditions causing cancellation of the trip;
• The place intended to be occupied by the Insured / Insured Person for purposes of his / her stay during the trip or the destination being made uninhabitable by fire or flood.
• The Insured / Insured Person being abducted;
• The Insured / Insured Person being the victim of a felonious assault within 10 days prior to the departure date, provided tha that Insured / Insured person (including any member of their family) is / are not principal or accessory in such felonious assault.
• A terrorist incident in a City / destination listed on the Insured / Insured Person's itinerary within 30 days of the Insured / Insured Person's scheduled arrival. 'City' means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.

Trip Cancellation Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for trips that are canceled before the scheduled departure date due to any of the reasons mentioned above. The Company will reimburse for the forfeited, non-refundable prepaid payments, made prior to the Insured / Insured Person's departure date.

Trip Interruption Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for trips that have been interrupted, due to any of the reasons mentioned above. The Company will reimburse for the forfeited, non-refundable prepaid payments, made prior to the Insured / Insured Person's departure date and additional transportation expenses incurred by the Insured / Insured Person.

• From the place that the Insured / Insured Person left the trip to the place that the Insured / Insured Person may rejoin the trip;
• Additional transportation expenses incurred by the Insured / Insured Person to reach the original trip destination if the Insured / Insured Person is delayed, and leaves after the trip departure date.

However, the benefits above, will not exceed the cost of economy airfare by the most direct route, less any refunds paid or payable.

What it does not cover?

• Common carrier-caused delays, including an announced, organized sanctioned union labour strike that affects public transportation, unless the commencement of the period of insurance is prior to a date when the strike is foreseeable. A strike is foreseeable on the date the labour union members vote to approve a strike.
• Travel arrangements cancelled or changed by an airline, cruise line, or tour operator, unless the cancellation is the result of bad weather.
• Changes in plans by the Insured / Insured Person or an immediate Family Member for any reason.
• Adverse change in financial circumstances of the Insured / Insured Person or any Family Member
• Any business or contractual obligations of the Insured / Insured Person or any Family Member, except for termination or layoff of employment.
• Default by the person, agency, or tour operator from whom the Insured / Insured Person obtained this Policy and / or made travel arrangements.
• Any government regulation or prohibition.
• An event or circumstance, which occurs prior to the commencement of the period of insurance.
• On account of a felonious assault, where the Insured / Insured Person or any Family Member of the Insured / Insured Person has been a principal or accessory in the assault committed.
• Any claim for a flight which is not booked in India;
• Any claim resulting from the financial failure of:
• • Any scheduled airline at the time the Insured / Insured Person obtained this Policy or booked the ticket;
  • Any scheduled airline that holds another bond or insurance (even if that bond or insurance is not enough to pay the claim in full); or
  • Any travel agent, tour operator, booking agent or flight consolidator arranging the booking
• Any claim that the Insured / Insured Person knew, at the time of purchasing this insurance, about any reason that could cause a claim under this section.
• Any claim arising or resulting from a charter flight.

What it covers
The Company shall pay to the Insured / Insured Person the sum specified in the Chedule to this Policy, in the event of missing a connecting flight or delay in the arrival of the aircraft on which the Insured / Insured Person is or would be traveling for a perod exceeding the number of hours, as specified in the Schedule.

Such payment will cover:

Additional transportation costs or join the trip (must be same class of original tickets purchased)

• Reasonable accommodations and meals.
• Non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source.

The common carrier must certify the delay of the regular scheduled airline flight.

What it covers
If the Insured / Insured Person is arrested or detained by the Police / judicial authorities at the place of stay whilst on a trip and if the offence for which he / she is arrested or detained is bailable, then the amount upto the Sum Insured as specified in the Schedule, will be provided to the appropriate authority / Court as the bail amount towards the arrest or detention, subject to the Special Conditions below.

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.

Special Conditions

The Company will pay or arrange to pay the Judicial Authority / Court directly on behalf of the Insured / Insured Person, the bail amount. The Insured / Insured Person shall appear in the court on the date specified by the Court for trail and judgment. If the bail is forteited Reliance due to the misconduct or negligence or any wrongful act of the Insured / Insured Person or otherwise for breach of the terms of such bail bond, then the amount of the bail bond will require to be repaid by the Insured / Insured Person to the company within 1 month after the bail bond is forfeited and if the company so deems necessary (whether on expiry of such 1 month or otherwise), the Insured / Insured Person will be liable to repay the bail amount together with interest thereon at 10% p.a. from the date of payment by the company to the court until receipt thereof from the Insured, and all costs reasonably incurred by the company in such behalf.

In case of death of the Insured / Insured person, at the first instance, the immediate family member, and in case, where there is no immediate family member, the employer, will be liable to produce the death certificate or necessary documents, as per the local law, in the court within 1 month (of such death) for the release of the bail amount to the company. In case they fail to do so, it is nearby agreed that the company would have full right and authority to recover the bail amount from the estate of the Insured / Insured person.

The judgment shall have no bearing on the refund of the deposit to the company. If the court imposes any penality or fine on the Insured / Insured person at the time of interim order or final judgment, then in that case the Insured / Insured Person will not be at the liberty to the fine deducted or adjusted from the bail amount which was deposited by the company.

What it covers
The company will pay to insured / Insured person the sum as specified in the schedule for legal costs and expenses incurred towards claims for compensation arising on the death of the Insured / Insured Person or on the Insured / Insured Person contracting illness or injury during the trip.

What it does not cover
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:

• Any claim where the legal advisors of the company believe that an action is not likely to be successful or that the costs of taking action will be greater than any award.
• Any costs or expenses which are based directly or indirectly on the amount of any award. The costs of following up a claim for bodily injury, loss or damage caused by or in connection with the Insured / Insured Person‟s trade, profession or business, under contract or arising out of the Insured/insured person possessing, using or living on any land or in any buildings.
• Any claims arising out of the Insured / Insured person owning, possessing, or using mechanically-propelled vehicles, water craft or aircraft of any description, animals, firearms or weapons.
• Any claims arising out of the criminal, malicious or deliberate acts of the Insured / Insured person.
• Any claims reported more than 180 days after the incident giving rise to the claim took place.

What it covers
The company will compensate the Insured / Insured person towards additional expenses incurred, up to the limits specified in the schedule towards emergency accommodation in the event.

• The trip of the Insured / Insured person is delayed, cancelled or rescheduled due to airline problems or on account of natural disasters.
• Medical problems of the Insured / Insured person
• Personal employment problems of the Insured / Insured person.

What it covers
The Company shall pay to the Insured / Insured Person compensation for any loss or damage to the contents of his / her original place of residence in India, due to burglary and / or attempted burglary during his / her trip, up to the limit of the Sum Insured mentioned in the Schedule The total liability of the Company shall not exceed the Sum Insured as specified in the Schedule in any one year irrespective of the number of such incidents or occurrences.

Jewellery will be covered under this benefit as part of contents up to 20% of the Sum Insured as specified in the Schedule or actuals whichever is less.

What it does not cover
The Company shall not be liable to make any payment under this Policy for:

• Loss or damage caused by the Insured / Insured Person's and / or Insured / Insured Person's employee(s) or agents and / or Insured / Insured Person's family member's direct or indirect involvement in the actual or attempted burglary;
• Any loss or damage to, or on account of loss of, livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, manuscripts, documents of any kind, ATM debit or credit cards, precious stones that are not part of jewellery or ornaments, gold bullion (unless previously specifically declared to, and accepted by, the Company in writing);
• Loss of money and / or other property abstracted from safe following the use of the key to the said safe or any duplicate thereof belonging to the Insured / Insured Person, unless such key has been obtained by assault or violence or any threat thereof.
• Loss of or damage to any property insured under this Policy due to any misfeasance, malfeasance or nonfeasance or breach of trust in relation thereto by the Insured / Insured Person.
• This Policy shall cease to attach
  
  • if the Insured / Insured Person shall cause or suffer any material alteration to be made to his / her home or anything to be done whereby the risk is increased;
  • if the interest of the Insured / Insured Person in his / her original place of residence shall pass from him/her otherwise than by will or operation of law; unless, in every case, the consent of the Company to the continuance of the insurance thereon is obtained and signified on the Policy.
• Loss or damage to any property/item illegally acquired, kept, stored or property subject to forfeiture in any manner whatsoever.
• Loss or damage due to war and allied perils, nuclear weapon materials or terrorism.
• Mysterious disappearance or unexplained losses.
• Loss or damage on account of any exclusions mentioned in the General Exclusions section of this Policy.

What it covers
The company will pay as reimbursement to the Insured / Insured person a sum as specified in the schedule to this policy towards the expenses for the fees of the Veterinary doctor in the event of the Insured / Insured person's per, limited to cat or dog, needing veterinary treatment as a result of an injury which occurred whilst the cat or dog was being cared for by a friend, relative or professional career in India whilst the Insured / Insured person was on a trip.

What it does not cover
The company shall no 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:

• If the Insured / Insured Person does not have written confirmation from the veterinary doctor giving details of the injury of accident and the number of days that the cat or dog belonging to the Insured / Insured person had received treatment.
• Any exclusion mentioned in the 'General Exclusions' section of the policy.

What it covers
The company will pay as compensation to Insured / Insured person the sum as specified in the schedule towards the cost of travel expenses and providing other similar accommodation in the event of the accommodation booked for the Insured / Insured person not being in living condition because of a fire, flood, earthquake, storm, lightning, explosion, hurricane or major outbreak of infectious disease.

What it does not cover
The company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whats oever incurred by the insured / insured person for:

• The applicable excess as stated in the schedule
• Any claim already made in any other section of this policy towards this benefit.
• Any expenses that the insured / insured person can get back from any tour operator, airline, hotel or other provider of services.
• Any expenses that the insured / insured person would normally have to pay during the period shown on validation certificate of the insured / insured person.
• Any claim resulting from insured / insured person travelling against the advice of the appropriate national or local authority.
• Claims arising out of an event which is already existing and know to the insured / insured person.

Special conditions

• The insured / insured person must give the company a written statement from an appropriate public authority confirming the reason, nature and duration of the disaster.
• The insured / insured person must submit to the company all evidence of all the extra costs that he / she had to pay.

What it covers
The company will pay up to the amount specified in the schedule for:

• Loss, theft or damage to the insured / insured person's computer equipment, communication devices and other business related equipment which is necessarily carried by the insured / insured person in the course of his / her business, subject to the single article limit for any one item, set or pair, computer equipment limit and samples limit as specified in the schedule
• Buying essential items if the insured / insured person's business equipment is delayed or lost in transit during the outward trip for more than specified period of time, as mentioned in the schedule. The insured / insured person must get written confirmation of the length of the delay and receipts for any itmes that the insured / insured person has bought. The company will recover any payment that it makes from the amount of tny claim if the insured / insured person's business equipment is permanently lost.
• Emergency courier expenses incurred to replace business package essential to the insured / insured person's intended business itinerary due to loss or damage of the business package.
• Expenses for each 24-hour period for hiring the insured / insured person‟s business equipment, if they are delayed in transit during the outward trip for more than 24hours. The insured / insured person must get written confirmation of the length of the delay.
• Expenses for each 24 hour period for hiring the insured / insured person‟s business equipment, if they are lost or damaged during the trip.

What it does not cover
The company shall not be liable to make any payment under this benef it in connection with or in respect of any expenses whatsoever incurred by the insured / insured person for:

• The applicable excess as stated in the schedule.
• Any loss or theft of business equipment or business money which is not reported to the policy within 24 hrours of discovering it and which does not have a written police report for.
• Any loss, theft or damage to business equipment during a trip unless it is reported to the carrier and a property irregularity report is gotten for, at the time of the loss.
• Business equipment the insured / insured person have left unattended in a public place.
• Any loss or theft from unattended motor vehicles unless the business equipment was in a locked boot or locked and coverage luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
• Any loss, theft or damage to business equipment carried on a vehicle roof rack.
• Any item, set or pair where the insured / insured person is unable to provide reasonable proof of ownership or value
• Any loss, theft or damage to business equipment shipped as freight or under a bill of lading.
• If the business equipment of the insured / insured person is delayed or held by customs or other officials legally taking the business equipment of the insured / insured person.
• Mysterious disappearance or unexplained losses.
• Damage due to gradually developing flaws, defects, cracks or partial fractures in any part not necessitating immediate stoppage although at some future time repair or replacement of the parts affected may be necessary.
• Deterioration of or wearing away or wear-out of any item caused by or naturally resulting from normal use of exposure.
• Faults existing at the time of commencement of this insurance and know to the insured, regardless of whether such faults or defects were known to the company or not.
• Any fault or defect for which the manufacturer or supplier of the damaged item is responsible.

Special conditions

• The insured / insured person must keep all receipts for hire costs; and
• The company can take any payment made for coverage under clause 4 and 5 of this section from any claim under coverage under clause 1,2 or 3 of this section if the business equipment is permanently lost.

What it covers
The company will pay as reimbursement to the insured / insured person a sum as specified in the schedule for the expenses towards arranging the transportation of an alternative employee limited to economy class return air ticket, or first class railway ticket in the event of the unexpected death of insured / insured person during the trip, or illness of the insured / insured person during the trip requiring theinsured / insured person to return to his / her original place of departure within India.

This can also be extended to cover the death of an immediate family member, restricted to the spouse and dependent children d ure to accident whilst the insured / insured person is on a trip within the republic of India, requiring him/her to return to his / her original place of residence.

What it does not cover
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 in the event that the original trip is undertaken by the insured / insured person against the advice of a physician, or when the insured person/insured person is unfit to undertake the trip.

Without prejudice to anything contained in this policy, the company shall not be liable to make any payment in respect of:

• Any claim relating to events occurring before the commencement of the cover or otherwise outside of the period of insurance.
• Any claim relating to expenses incurred for the treatment of pre-existing disease / conditions / illness / injury.
• Treatment if that be the sole reason or one of the reasons for the insured / insured person‟s travel and temporary stay in his / her current location.
• Any claim if the insured / insured person
  • Is traveling against the advice of a physician;
  • Is receiving, or is on a waiting list to receive, specified medical treatment declared in the physician's report or certificate;
  • Has received terminal prognosis for a medical condition;
  • Is taking part in a naval, military or air force operation
• Deductibles as specified in the schedule
• Any claim arising out of illnesses or injury that the insured / insured person
  • Has caused intentionally or by committing a crime or as a result of drunkenness or
  • Addiction (drugs, alcohol)
• Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss, directly or indirectly, attributable to HIV (Human Immuno Deficiency Virus) and / or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and / or any mutant derivative or variations thereof howsoever caused.
• illness and accidents that are results of war and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, active participation in riots, confiscation or nationalization or requisition of or destruction of or damage to property by or under the order of any government or local authority.
• Any act of terrorism which means an act, including but not limited to the use of force or violence and / or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or governments(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to inf luence any government and / or to put the public, or any section of the public, in fear,
• Any claim arising from damage to any property or any loss or expense whatsoever resulting or arising from or any consequential loss, directly or indirectly, caused by or contributed to or arising from:
  • Lionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or
  • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
• Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sports persons, unless declared beforehand and necessary additional premium paid.

• Minimum age of the Insured / Insured person shall be 3 months and maximum age shall be 80 years.
• The maximum number of travel days under a single trip that may be insured, with all the extensions and policy period put together, under the policy, shall be 365 days.
• The Policy start date shall be on or before the trip start date.
• Extension of the policy during the duration of the trip can be done only at the sole discretion of the company. The insured / insured person shall submit a declaration letter clearly mentioning the claims filed during the original policy duration and also that he / she is unaware of any existing health condition which could result in a claim during the extension period. In case a claim has been filed in the original policy duration, then the policy may be extended only if the claims filed relates to the following benefits,
  • Emergency dental treatment
  • Total loss of checked baggage
  • Delay of checked baggage
  • Financial emergency assistance
  • Hijack distress allowance
  • Trip delay
  • Trip cancellation & interruption
  • Missed connection and all other travel related covers other the medical covers

  The extension of any policy is at the sole discretion of the company, and the company is not liable to offer any reason to the insured / insured person if the policy is not extended.

• A policy may not 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 granted shall be deemed to be 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.
• Termination of the policy at a date earlier than the end date can be done only if the insured / insured person returns back to his / her original place of residence earlier than the end date of the policy. Refund of premium for the days between the arrival date and the end date of the policy will be given after adjusting cancellation charges, if any. Premium refunded will be equal to the amount of premium to be paid for the original policy duration minus the premium to be paid by taking the arrival date as the new end date.
• The premium payable for the extension of the Policy during the trip duration shall be the premium payable for the overall trip duration (including the extension) less the initial premium already paid.
• The Insured / Insured Person shall 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.


• Claim Procedure - What is to be done in case of a claim?
  • The Insured / Insured Person shall immediately contact the Help Line of the Company stating necessary details. The details of phone numbers and Help Line are given in the Schedule
  • The Insured / Insured Person needs to contact the Help Line number 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 to the Help Line of the Company.
  • The Help Line of the Company will verify the identity of the caller by asking appropriate information.
  • In the event of a illness / injury where it is not possible to contact the Help Line before consulting a Physician or going to the Hospital, the Insured / Insured Person shall contact the Help Line as soon as possible. In either case, when being admitted as a patient, the Insured / Insured Person shall show the concerned Physician or personnel this Policy.
  • In case financial emergency assistance is required, the Insured / Insured Person shall immediately contact the Help Line of the Emergency Assistance Service Provider stating the details of his / her Policy along with the police report containing the passport number and a written statement narrating the incident of loss i.e. causes, circumstances and the place. Failure to do so may prejudice the Insured / Insured Person's claim.
  • In case of Emergency Medical Expenses, Emergency Dental Treatment, Repatriation of Mortal Remain and financial Emergency assistance, the Company's liability will only attach if these are incurred with the approval of the Company.
  • In case of hijacking, the fact of the incident having occurred should be confirmed by police authorities. The policy report should contain details such as 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 incident.
  • In case of all other claims, there shall be necessary prior intimation to the Helpline of the Company, stating the incident / loss.


• Claims Settlement - How to get the claim paid?
  • If the procedure stated above is complied with, the Company 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. All costs will be directly settled by the Company on the Company's behalf and the same shall constitute due discharge of the Company's obligations hereunder.
  • If the Hospital / other providers do not accept the guarantee of payment from the Company, 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 Company on submission of required documents.
  • In case of claims under home burglary insurance, the loss shall be intimated to the Company and the Company shall appoint an independent surveyor to assess the loss.

  All claims shall be paid in India in Indian Rupees

• Claim Documentation - What documents need to be submitted?
  • The original ticket / boarding pass indicating the travel dates must be submitted with every claim, along with the completed claim form.
  • Original bills / vouchers / reports and discharge summary must be submitted along with all medical claims.
  • Bills / vouchers / reports / discharge summary must mention the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment. Prescriptions must clearly show the name of the Insured / Insured Person and the medicines prescribed. The pharmacy bills must clearly show the price and bear the receipt stamp of the pharmacy. In the case of dental treatment, the bills / vouchers / reports must give the details of the tooth treated and the treatment performed. Treatment taken on different dates for separate ailments will be treated as separate claims. The claim forms should clearly indicate the same and supporting documents should be provided for each one. Deductible will apply to each claim separately.
  • For reimbursement of the costs of transporting the mortal remains of the Insured / Insured Person to his / her original place of residence or of costs of burial at his current location, an official death certificate and a physician's statement giving the cause of death needs to be submitted. Medical statements from spouses / relatives will not be accepted. Original bills / receipts of expenses incurred also need to be submitted. These would be paid as per the usual and customary charges incurred for the same.
  • For reimbursement of extra expenses of transportation of Insured / Insured Person to his / her original place of residence, a medical statement from a registered Physician indicating the cause of illness and the necessity of transportation needs to be submitted. Medical statements from spouses / relatives will not be accepted. Original bills / receipts of the expenses incurred need to be submitted also. These would be paid as per the usual and customary charges incurred for the same.
  • In case of total loss of checked-in baggage, a Property Irregularity Report or other report usually issued by the common carriers in the event of loss of checked-in baggage will need to be submitted with the claim form. A letter from the airline will also need to be submitted stating the compensation, if any received from them for the lost baggage.
  • Adequate proof of ownership of items contained within checked-in baggage valued in excess of the Indian Rupee equivalent of Rs 1,000/- for loss / delay of checked-in baggage will need to be submitted.
  • Original bills of emergency items purchased and the Property Irregularity Report or any such other report from the airline stating the date and time of arrival of delayed baggage needs to be submitted in case of delay of checked-in baggage claims.
  • For personal accident, original bills / vouchers / reports / discharge summary are to be submitted, mentioning the name of the person treated, the cause of accident, details of the individual items of medical treatment provided and the dates of treatment. In case of death a Post mortem report, Police Report and Death certificate shall also be submitted.
  • For personal liability, proof of judicial decision rendered by a court needs to submitted.
  • For claims under financial emergency assistance benefit, the policy report filed within 24 hours of becoming aware of the robbery needs to be submitted.
  • For claims under trip delay the following documents need to be furnished. Medical reports and doctors' statement or Police report confirming the incident causing the trip delay. All original bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers shall be submitted
  • For claims under trip cancellation and interruption the following documents need to be submitted. Medical reports and doctors statement if trip is cancelled or interrupted due to medical reasons. If due to employment, termination letter from the company. If due to other events, police report confirming the incident shall be submitted. All original bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers shall be submitted.
  • For claims under missed connection the following documents need to be submitted i.e. confirmation from the airline, mentioning the scheduled arrival time and the actual arrival time. The reason for delay in the flight also needs to be mentioned. All original bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers shall be submitted.
  • Any other document(s) that the company may require from the Insured / Insured person to process a claim may be asked for
  • Claim documents to be submitted in event of a claim benefit under home burglary insurance are:
    • First Information Report from the Police
    • Panchnama
    • Investigation Report by the Police
    • Estimate and final bills of repairers
    • Invoices of owned articles, if required by the Company
    • And any other document as may be appropriately applicable for the claims preferred under this benefit.
• Obligations of the Insured / Insured Person:
  • Claims for benefits must be submitted to the Company not later than one (1) month after the completion of the treatment or transportation home, or in the event of death, after transportation of the mortal remains / burial.
  • The Insured / Insured Person shall provide to the Company on demand any information that is required to determine the occurrence of the insurable event or the Company's liability to pay the benefits. In particular, upon request, proof shall be furnished of the actual commencement date of the trip.
  • If requested to do so by the Company, the Insured / Insured Person is obliged to undergo a medical examination by a physician designated by the Company.
  • The Company is authorized by the Insured / Insured Person to take all measures that are suitable for loss prevention and claim minimization which includes the Insured / Insured Person's transportation back to his / her original place of residence.
  • The Company shall be released from any obligation to pay benefits under this Policy, if any, of the aforementioned obligations are breached by the Insured / Insured Person.
• Transfer and Set-off of Claims:
  • If the Insured / Insured Person has any outstanding claims against third parties, such claims shall be transferred in writing to the Company up to the amount for which the reimbursement of costs is made by the Company in accordance with the terms hereunder.
  • In so far as an Insured / Insured Person receives compensation for costs he / she has incurred either from third parties liable for damages or as a result of other legal circumstances, the Company shall be entitled to set off this compensation against the insurance benefits payable, if any.
  • Claims to the insurance benefits may be neither pledged nor transferred by the Insured / Insured Person.
• No sum payable under this Policy shall carry any interest / penalty.
• In the event of the Insured / Insured Person's death, the Company shall have the right to demand the submission of a post mortem / autopsy report.

• Duty of Disclosure
  The Policy shall be void and all premium paid hereon shall be forfeited to the Company, in the event of misrepresentation, misdescription or non-disclosure of any material fact. In the event of untrue or incorrect statements, misrepresentation, mis-description or non-disclosure of any material particulars in the proposal form, personal statement, declaration and connected documents, or any material information having been withheld, or a Claim being fraudulent or any fraudulent means or device being used by the Policyholder / Insured Person or any one acting on his / their behalf to obtain a benefit under this Policy, the Company may cancel this Policy at its sole discretion and the premium paid shall be forfeited in its favor.


• Observance of terms and conditions
  The due observance and fulfillment of the Policy Terms & Conditions and Endorsements of this Policy in so far as they relate to anything to be done or complied with by the Policyholder / Insured Person, shall be a condition precedent to any of the Company's liability to make any payment under this Policy.


• Reasonable Care
  The Insured / Insured Person shall take all reasonable steps to safeguard the interests of the Insured / Insured Person against accidental loss or damage that may give rise to a claim.


• Material change
  The Policyholder shall immediately notify the Company in writing of any material change in the risk on account of change in occupation / business at his own expense and the Company may adjust the scope of cover and / or premium, if necessary, accordingly.


• Records to be maintained
  The Policyholder / Insured Person shall keep an accurate record containing all relevant medical & other relevant records and shall allow the Company or its representative(s) to inspect such records. The Policyholder / Insured Person shall furnish such information as the Company may require under this Policy at any time during the Policy Period and up to three years after the policy expiration, or until final adjustment (if any) and resolution of all Claims under this Policy.


• No constructive Notice
  Any knowledge or information of any circumstance or condition in relation to the Policyholder / Insured Person which is in possession of the Company and not specifically informed by the Policyholder / Insured Person shall not be held to bind or prejudicially affect the Company notwithstanding subsequent acceptance of any premium.


• Complete discharge
  Payment made by the Company to the Policyholder / adult Insured Person or the Nominee of the Policyholder or the legal representative of the Policyholder or to the Hospital, as the case may be, of any Medical Expenses or compensation or benefit under the Policy shall in all cases be complete and construe as an effectual discharge in favor of the Company.


• Special Provisions
  Any special provisions subject to which this Policy has been entered into and endorsed in the Policy or in any separate instrument shall be deemed to be part of this Policy and shall have effect accordingly.


• Electronic Transactions
  The Policyholder / Insured Person agrees to adhere to and comply with all such terms and conditions as the Company may prescribe from time to time, and hereby agrees and confirms that all transactions effected by or through facilities for conducting remote transactions including the Internet, World Wide Web, electronic data interchange, call centers, tele-service operations (whether voice, video, data or combination thereof) or by means of electronic, computer, automated machines network or through other means of telecommunication, established by or on behalf of the Company, for and in respect of the Policy or its terms, or the Company's other products and services, shall constitute legally binding and valid transactions when done in adherence to and in compliance with the Company's terms and conditions for such facilities, as may be prescribed from time to time.


• Duties of the Insured / Insured Person on occurrence of loss On the occurrence of any loss, within the scope of this Policy the Insured / Insured Person shall:
  • Forthwith file / submit a Claim Form in accordance with 'Claim Procedure'.
  • Allow the Surveyor or any agent of the Company to inspect the lost / damaged properties premises /goods.
  • Assist and not hinder or prevent the Company or any of its agents in pursuance of their duties.
  • Not to abandon the insured property / items in the premises, nor take any steps to rectify / remedy the damage before the same has been approved by the Company or any of its agents or the Surveyor.

  If the Insured / Insured Person does not comply with this provision of this Clause, all benefits under this Policy shall be forfeited, at the option of the Company.

• Right to inspect
  If required by the Company, an agent / representative of the Company including a loss assessor or a Surveyor appointed in that behalf shall in case of any loss or any circumstances that have given rise to the claim to the Insured / Insured Person be permitted at all reasonable times to examine into the circumstances of such loss. The Insured / Insured Person shall on being required so to do by the Company produce all books of accounts, receipts, documents relating to or containing entries relating to the loss or such circumstance in his possession and furnish copies of or extracts from such of them as may be required by the Company so far as they relate to such claims or will in any way assist the Company to ascertain in the correctness thereof or the liability of the Company under this Policy.


• Position after a claim
  The Insured / Insured Person shall not be entitled to abandon any insured property whether the Company has taken possession of the same or not. As from the day of receipt of the claim amount by the Insured / Insured Person, the Sum Insured for the remainder of the period of insurance shall stand reduced by the amount of the compensation.


• Indemnity
  The Company may at its option, if applicable reinstate, replace or repair the property or premises lost or damaged or any part thereof instead of paying the amount of loss or damage or may join with any other insurer in so doing. The Company shall not be bound to reinstate exactly or completely but only as circumstances permit and in reasonably sufficient manner. In no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage and in any event not more than the sum Insured Person thereon. If in any case the Company shall be unable to reinstate or repair the insured property/item, because of any law or other regulations in force affecting insured property or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite under this Policy.


• Subrogation
  Subrogation shall mean the right of the Company to assume the rights of the Insured Person / Policyholder to recover expenses paid out under the Policy that may be recovered from any other source.
  
  The Policyholder / Insured Person shall at his own expense do or concur in doing or permit to be done all such acts and things that may be necessary or reasonably required by the Company for the purpose of enforcing and / or securing any civil or criminal rights and remedies or obtaining relief or indemnity from any other party to which the Company is / or would become entitled upon the Company paying for a Claim under this Policy, whether such acts or things shall be or become necessary or required before or after its payment. Neither the Policyholder nor any Insured Person shall prejudice these subrogation rights in any manner and shall at his own expense provide the Company with whatever assistance or cooperation is required to enforce such rights. Any recovery the Company makes pursuant to this clause shall first be applied to the amounts paid or payable by the Company under this Policy and any costs and expenses incurred by the Company of affecting a recovery, where after the Company shall pay any balance remaining to the Policyholder. This clause shall not apply to any Benefit offered on fixed benefit basis.


• Contribution
  Contribution is essentially the right of the Company to call upon other Insurers liable to the same Insured to share the costs of an indemnity claim on a rateable proportion of Sum Insured.
  
  If at the time when any Claim arises under this Policy, there is any other insurance which covers (or would have covered but for the existence of this Policy), the same Claim (in whole or in part), then the Company shall not be liable to pay or contribute more than its ratable proportion of any Claim.
  
  This clause shall not apply to any Benefit offered on fixed benefit basis.


• Fraudulent claims
  If a Claim is in any way found to be fraudulent, or if any false statement, or declaration is made or used in support of such a Claim, or if any fraudulent means or devices are used by the Policyholder / Insured Person or anyone acting on his / their behalf to obtain any benefit under this Policy, then this Policy shall be void and all claims being processed shall be forfeited for all Insured Persons and all sums paid under this Policy shall be repaid to the Company by the Policyholder / all Insured Persons who shall be jointly liable for such repayment.


• Cancellation
  The Company may at any time, cancel this Policy, by giving 7 days notice in writing by Registered Post Acknowledgment Due to the Insured / Insured Person at his last known address in which case the Company shall be liable to repay on demand a rateable proportion of the premium for the unexpired term from the date of the cancellation.


• Cause of Action
  No claim shall be payable under this Policy where the cause of action arises in India, unless otherwise specifically provided in the Schedule.


• Policy Disputes
  Any and all disputes or differences under or in relation to validity, construction, interpretation and effect to this Policy shall be determined by the Indian Courts and subject to Indian law.


• Arbitration clause
  If any dispute or difference shall arise as to the quantum to be paid under this Policy (liability being otherwise admitted) such difference shall independently of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by the parties thereto or if they cannot agree upon a single arbitrator within 30 days of any party invoking arbitration, the same shall be referred to a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each of the parties to the dispute/difference and the third arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under and in accordance with the provisions of the Arbitration and Conciliation Act,1996.
  
  It is clearly agreed and understood that no difference or dispute shall be referable to arbitration, as hereinbefore provided, if the Company has disputed or not accepted liability under or in respect of this Policy. It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator/arbitrators of the amount of the loss or damage shall be first obtained.


• Limitation Period
  In no case whatsoever the Company shall be liable for any Claim under this Policy, if the requirement of Clause 13,14 & 15 above are not complied with, unless the Claim is the subject of pending action; it being expressly agreed and declared that if the Company shall disclaim liability for any Claim hereunder and such Claim shall not within 12 calendar months from the date of the disclaimer have been made the subject matter of a suit in court of law then the Claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable


• Withdrawal / Revision / Modification of the Product
  The Company reserves the right to withdraw, revise or modify this product / policy in the future. The revision/modification may be in respect of Benefits, coverages, premiums, policy terms and conditions & / or exclusions. In the event of any such withdrawal of product the company will notify in advance to the policyholder providing him the option to port to the specified existing health products of the company with continuity benefit. In the event of any revision or modification of the product / terms of policy / premium, the company will notify the policyholder 3 months in advance of such changes.


• Payment of Interest
  In case of delay of seven days or more in payment of claim after the acceptance by the insured, the Company will pay interest on the claim amount at a rate which is 2% above the bank rate for the period of delay


• Communication
  Any communication meant for the Company must be in writing and be delivered to its address shown in the Policy Schedule. Any communication meant for the Policyholder will be sent by the Company to his last known address or the address as shown in the Policy Schedule.
  All notifications and declarations for the Company must be in writing and sent to the address specified in the Policy Schedule. Agents are not authorized to receive notices and declarations on the Company's behalf.
  Notice and instructions will be deemed served 10 days after posting or immediately upon receipt in the case of hand delivery, facsimile or e-mail.


• Overriding effect of Policy Schedule
  In case of any inconsistency in the terms and conditions in this Policy vis-a-vis the information contained in the Policy Schedule, the information contained in the Policy Schedule shall prevail.


• Pre-policy Health Check up
  The full cost of any pre-policy health check up wherever required shall be borne by the PolicyHolder / Insured Person


• Customer Service
  If at any time the Insured / Insured Person requires any clarification or assistance, the Insured / Insured Person may contact either the Help Line of the Emergency Assistance Service Provider or the Policy issuing office of the Company at its address during normal office hours.


• Grievances
  If the Policyholder has a grievance that the Policyholder wishes the Company to redress, the Policyholder may contact the Company with the details of his grievance through:

If the Policyholder is not satisfied with the Company's redressal of the Policyholder's grievance through one of the above methods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the grievance.The contact details of Ombudsman offices are mentioned below

The details of Insurance Ombudsman are available on IRDA website : www.irda.gov.in, on the website of General Insurance Council : www.gbic.co.in, the Company's website www.reliancegeneral.co.in or from any of the Company's offices. Address and contact number of Governing Body of Insurance Council – (Monitoring Body for Offices of Insurance Ombudsman)
3rd Floor, Jeevan Seva Annexe, Santacruz(West), Mumbai – 400054, Tel: 022-26106671 / 6889
Email id: inscoun@gbic.co.in

IRDAI Registration No. 103.
UIN: IRDA/NL-HLT/RGI/P-T/V.I/316/13-14