OVERSEAS TRAVEL POLICY

Individual Travel

This policy is specifically designed to suit the requirements of an individual who has undertaken an overseas travel for the purpose of holiday, leisure &/or business purpose. There are three plans on offer for the same and the customer can chose based on his requirements.

Plan Benefits

Section Coverage Details Coverage Amount Shri Travel (USD 50000) Shri Travel Plus (USD 100000) Shri Travel Elite (USD 200000)
Age 90 days to 65 years Age 90 days to 65 years Age 90 days to 65 years
A Medical Expenses Cover@ US$ 50,000 to 200,000 US $ 50000 US $ 100000 US $ 200000
Cashless hospitalisation worldwide Yes Yes Yes
Repatriation of Remains Sublimit of US$ 1000-2000 US $ 1000 US $ 1500 US $ 2000
Daily allowance in case of hospitalisation$ US$ 25 (for 5 days) US$ 25 (for 5 days) US$ 25 (for 5 days) US$ 25 (for 5 days)
B Dental Treatment@ US$ 250 US$ 250 US$ 250 US$ 250
C Total Loss of Checked in Baggage US$ 500 US$ 500 US$ 500 US$ 500
D Delay of Checked in Baggage ^ US$ 100 US$ 100 US$ 100 US$ 100
E Loss of Passport ** US$ 200 US$ 200 US$ 200 US$ 200
F Personal Liability$$ US$ 50000 US$ 25000 US$ 50000 US$ 50000
G Personal Accident US$ 15,000 US$ 10,000 US$ 15,000 US$ 15,000
H Hijack Distress Allowance*** (applicable if > 24 hours & for maximum 7 days) US$ 100 per day US$ 100 per day US$ 100 per day US$ 100 per day
I Financial Emergency Assistance** US$ 300 US$ 300 US$ 300 US$ 300
J Trip Cancellation & Interruption US$ 250 No US$ 250 US$ 250
K Missed Connection╦ć US$ 500 US$ 250 US$ 500 US$ 500
L Travel Delay++ US$ 250 No US$ 250 US$ 250
M Golfers hole in one US$ 500 No No US$ 500
N Bail bond Insurance US$ 500 No US$ 500 US$ 500
O Trip Curtailment US$ 250 No US$ 250 US$ 250
@ Deductible of US$ 100. This deductible is applicable on per illness (complete treatment) basis.
** Deductible of US$ 50.
*** 24 hours
$ 2 days deductible - If hospitalisation is for more than 2 consecutive days, this benefit can be cleared only once during the policy period
^ delay of more than 12 hours
++ up to US$ 100/-per day, if trip is delayed for more than 12 hours.
$$ Deductible of US$ 100.

PREMIUM TABLE:

Shri Travel (USD 50000) Shri Travel Plus (USD 100000) Shri Travel Elite (USD 200000)
Excluding USA/Canada Including USA/Canada Excluding USA/Canada Including USA/Canada Excluding USA/Canada Including USA/Canada
Age 90 days-40 Yrs. 41-65 Yrs. 90 days-40 Yrs. 41-65 Yrs. 90 days-40 Yrs. 41-65 Yrs. 90 days-40 Yrs. 41-65 Yrs. 90 days-40 Yrs. 41-65 Yrs. 90 days-40 Yrs. 41-65 Yrs.
Days of Travel Premium in Rs.
1-4 days 425 498 668 817 537 644 887 1038 630 705 1380 1992
5-7 days 505 547 768 860 644 752 974 1116 685 769 1380 1992
8-14 days 734 820 1096 1183 805 913 1307 1553 849 969 1491 2150
15-21 days 772 870 1172 1340 913 1035 1379 1836 997 1235 1586 2319
22-28 days 870 989 1340 1511 967 1162 1548 2141 1083 1396 1795 2677
29-35 days 1086 1255 1658 1771 1128 1405 1912 2509 1253 1665 2168 3179
36-47 days 1255 1446 1900 2172 1396 1624 2203 3127 1440 2040 2563 3896
48-60 days 1471 1712 2580 3505 1665 1913 3415 4691 1689 2577 4171 6335
61-75 days 1809 2099 3817 5107 2255 2722 4827 7048 2357 3114 5967 9669
76-90 days 2170 2484 4568 6182 2685 3418 5799 7146 2992 4134 7227 10907
91-120 days 2764 3297 5483 7311 3383 5021 7135 8864 3542 5745 8642 14125
121-150 days 3199 3797 6470 8499 3834 6320 9852 12457 4577 6572 10642 18062
151-180 days 4068 4774 7621 9375 5915 7518 12279 14623 6320 7941 13654 23653
* Service Tax extra as applicable
 

Exclusions

  • Travelling abroad for obtaining medical treatment
  • Any breach of law with criminal intent
  • Abuse of intoxicants or hallucinogens including drugs and alcohol
  • Self inflicted injury suicide or attempted suicide
  • Pregnancy, childbirth and its complication
  • HIV/ AIDS, sexually transmitted diseases
  • Note: For complete list of exclusions, please refer policy wording

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