Star Health and Allied Insurance Co. Ltd. Star Family Travel Protect Insurance.

Star Health and Allied Insurance Co. Ltd.

Star Family Travel Protect Insurance


Who can benefit from this Policy?

All Indian Nationals with their family whose age ranging between 6 months and 60 years traveling outside India on Holiday can take this insurance.


Family

Family means

• Self

• Spouse

• Two Dependent Children


Coverage When you travel abroad for a Holiday our Star Travel

protect policy provides you for• Emergency medical expenses.

• Repatriation in case of medical emergency.

• Transportation of mortal remains.

• Any Dental emergency expenses resulting from injury.

• Compensation following Accidental injuries.

• Cost of Loss of your Checked in Baggage.

• Reasonable expenses incurred for obtaining New Passport.


Coverage (Contd.)

• Expenses on Emergency purchases of consumables due to any delay in handing over your checked in baggage by the carrier for more than 12 hours.

• Pecuniary Loss on cancellation of your trip due to any accidental bodily injury/death of a family member.

• Any Legal Liability that may be fastened upon you, if you cause any bodily injury or property damage to any third party.


Medical Examination

If the medical history as revealed in the proposal is adverse

• ECG• Fasting & Postprandial Blood Sugar• Cholesterol Profile and • Urine Strip test plan reports are required to be submitted

along with the proposal


Plan Options

• Travel World Wide Including USA and Canada

• Travel World Wide Excluding USA and Canada

• Travel Asia excluding Japan & Hong Kong


Sum Insured Options

Travel Worldwide Including/Excluding USA and Canada

• USD 50,000• USD 100,000• USD 250,000

Travel Asia Excluding Japan and Hong Kong• USD 10,000• USD 25,000• USD 50,000


Number of Days

The following options are available

• 15 days

• 30 days

• 45 days

• 60 days


Travel World wide (including USA & CANADA)

Sum

Insured

USD

50000

USD

100000

USD

250000

USD

50000

USD

100000

USD

250000

Options 15 Days 30 Days

2A 1750 2050 2206 2921 3455 3571

1A + 1C 1675 1901 2011 2606 2956 3111

2A + 2C 3345 3795 4015 5205 5911 6221

2A + 1C 2551 2925 3111 4060 4681 4895

1A + 2C 2471 2771 2915 3746 4180 4435

2C 1590 1744 1813 2283 2454 2651

45 Days 60 Days

2A 3441 4276 4545 4695 6156 6765

1A + 1C 3180 3795 3930 4345 5335 5911

2A + 2C 6356 7586 7861 8690 10670 11820

2A + 1C 4895 5930 6201 6696 8415 9291

1A + 2C 4636 5445 5590 6341 7596 8435

2C 2916 3309 3317 3993 4514 5053

Premium figures are in Rupees and inclusive of S.Tax

Premium Rating : Worldwide Including USA & CANADA

A – Adults, C - Children


Coverage Limits : Worldwide Including USA & CANADASum Insured

Sections

USD 50000 USD 100000 USD 250000

Coverage Deductible Coverage Deductible Coverage Deductible

Section 1

Emergency medical Expenses (M1)

50000 100 100000 100 250000 100

Emergency Medical Transportation (M4) Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Transportation of Mortal Remains (M3) Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Section 2

Dental Emergency Assistance (M2) 250 25 250 25 250 25

Section 3

Personal Accident (A1) 5000 NA 5000 NA 10000 NA

Section 4

Loss of Checked In Baggage (T1) 250 NA 250 NA 350 NA

Section 5

Loss of Passport (T2) 150 15 200 15 250 15

Section 6

Delay of Checked in Baggage (T3) 50 12 Hrs 50 12 Hrs 100 12 Hrs

Section 7

Trip Cancellation/Interruption Due To Accidental Death/Bodily Insjury of Family Member (T4) 1000 50 1000 50 2000 50

Section 8

Personal Liability (L1) 2000 NA 2000 NA 2000 NAfigures are in USD


Travel World wide (excluding USA & CANADA)

Sum

Insured

USD

50000

USD

100000

USD

250000

USD

50000

USD

100000

USD

250000


2A 1150 1190 1276 1551 1616 1781

1A + 1C 976 1080 1151 1441 1526 1656

2A + 2C 1946 2156 2300 2881 3050 3306

2A + 1C 1526 1671 1785 2215 2331 2545

1A + 2C 1396 1561 1665 2105 2245 2416

2C 842 962 1025 1328 1436 1524

45 Days 60 Days

2A 1811 1921 2131 2145 2090 3765

1A + 1C 1646 1785 2001 1986 1946 2991

2A + 2C 3290 3571 3995 3966 3891 5981

2A + 1C 2551 2746 3066 3056 2991 4871

1A + 2C 2390 2610 2930 2895 2846 4095

2C 1482 1649 1865 1823 1798 2215


Premium Rating : Worldwide Excluding USA & CANADA



Coverage Limits : Worldwide Excluding USA & CANADASum Insured

Sections

USD 50000 USD 100000 USD 250000


Section 1


50000 100 100000 100 250000 100


Included in M1

Included in M1

Included in M1

Included in M1

Included in M1


Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Section 2


Section 3


Section 4


Section 5


Section 6


Section 7

Trip Cancellation/Interruption Due To Accidental Death/Bodily Insjury of Family Member (T4) 1000 50 1000 50 1500 50

Section 8



Travel World wide (including USA & CANADA)

Sum

Insured

USD

10000

USD

25000

USD

50000

USD

10000

USD

25000

USD

50000


2A 695 860 1021 980 1210 1435

1A + 1C 616 760 901 911 1121 1333

2A + 2C 1225 1516 1801 1815 2241 2665

2A + 1C 960 1186 1410 1396 1726 2050

1A + 2C 880 1086 1290 1326 1640 1948

2C 530 655 780 836 1033 1230

45 Days 60 Days

2A 1141 1406 1673 1351 1671 1983

1A + 1C 1041 1280 1523 1251 1546 1835

2A + 2C 2076 2561 3045 2500 3086 3670

2A + 1C 1606 1986 2359 1925 2375 2826

1A + 2C 1506 1860 2209 1826 2255 2679

2C 933 1153 1373 1148 1418 1688


Premium Rating : Asia Plan Excluding JAPAN & HONGKONG



Coverage Limits : Asia Plan Excluding JAPAN & HONGKONGSum Insured

Sections

USD 10000 USD 25000 USD 50000


Section 1


10000 100 25000 100 50000 100


Included in M1

Included in M1

Included in M1

Included in M1

Included in M1


Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Section 2


Section 3


Section 4


Section 5


Section 6


Section 7

Trip Cancellation/Interruption Due To Accidental Death/Bodily Insjury of Family Member (T4) 500 NA 500 NA 1000 NA

Section 8



Extension of Trip

• The policy can be extended on payment of Additional premium and declaration of good health by the insured.

• Maximum number of permissible extensions is two.

• Request for extension should be given well before expiry of the policy.


Major Exclusions

• Loss directly or indirectly occasioned by happening through or in consequence of

a. Travel against Medical Advice

b. Any Pre existing condition

c. With the intention of receiving medical treatment

d. Insured being aware of circumstances that could reasonable be expected to give rise to a claim

e. Winter Sports or the Use of Dry ski slopes

f. Manual work of any kind, etc


• Claims arising from pregnancy

• Claims increased by the Insured’s own act or omission

• Consequential Loss

• Claims relating to Bankruptcy or Liquidation

• Congenital anomalies or any other complications or conditions arising there from

• Professional or Organised Sports, rock Climbing or mountaineering, racing speeds or endurance tests, hazardous pursuit or occupation or air travel (other than as a passenger) and similar activites.

For Detailed list of exclusions kindly refer the policy wordings.

Major Exclusions (Contd.)


Third Party Administrator

• Paramount Healthcare Management Pvt. Ltd.

• Dedicated Help Line – 0091 2267515559

• Toll Free Number when dialing from USA - 1 866 978 5205

• Toll Free Number when dialing from Rest of the World

- 00 91 2267515559

• E-Mail : [email protected]


Claim Procedure

Hospitalization Claims

Documents Required Procedure to be followed

1. Our Assistance Co. ref. No. and approval.

2. Claim form duly filled in all aspects

3. Doctor’s Advice Reports

4. Pathological/Lab Reports

5. Original bills/Receipts/Prescriptions

6. Discharge Certificate

7. Policy Copy

8. If expenses paid by you seek reimbursement

9. Preserve all original bills/prescriptions

1. Please call our Assistance Co.

Toll Free Number when dialing from USA

1 866 978 5205

Toll Free Number when dialing from Rest of the World

00 91 2267515559

2. Call for claim Form

3. Get the assistance for Admission through our Assistance Co.


Claims Procedure (contd.)Personal Accident Claims


1. Inform our Assistance Co.

2. Narration of the facts

3. Police Report

4. Witness Statements

5. Death Certificate, if applicable

6. Cause of Accident

7. Post mortem report, if applicable

8. Original Bills

9. Details of treatment taken for PTD or PPD with supporting prescriptions and Doctor’s advice

1. Obtain Claim form

2. Fill in the claim form in all respects

3. Inform police

4. In case of PTD, obtain Disability Certificate from the treating Doctor

5. Witness if any, get statements from them


Claims Procedure (contd.)Loss of Checked in Baggage Claims


1. Claim form duly filled in

2. Copy of Letter lodging a claim on the carrier

3. Property Irregularity Report / other report issued by the Carrier

4. Compensation received from the Carrier

5. Adequate proof of value of items contained in checked in baggage value in excess of US$100

1. Please inform our Assistance Co.

2. Obtain claim form

3. Lodge complain with the Carrier

4. Send complete documents


Claims Procedure (contd.)Delay of Checked-In-Baggage Claims


1. Claim form with ref.

2. Copy of ticket

3. Copy of Visa/Passport

4. Certificate from the Carrier fro the delay in checked-in-baggage for more than 12 hrs

5. Irregularity Report or any other report from the airline stating date

6. Original bills of emergency consumables purchased up to the arrival of delayed baggage.


2. Claim form can be obtained from our Assistance Co.

3. Send duly filled in claim form with supporting documents


Claims Procedure (contd.)Personal Liability Claims



2. Narration of the Incident

3. Proof of judicial decision

4. In case of bodily injury, nature of bodily injury

5. Witness Statement

6. Victims Statement

7. Police Complaint by the victim

8. Your report to the Police

9. Legal notice, summons, etc.

10. Lawyers opinion about the incident vis-à-vis your liability


2. Engage Lawyer with the consent of the Company

3. Correspondence, if any, without prejudice

4. No commitment on any benefit or enter into agreement


Claims Procedure (contd.)Trip Cancellation Claims


1. Inform Policy issuing office/call centre 1800 425 2255

2. Fill up the claim form

3. Cause for cancellation with supporting evidence

4. In case of Bodily injury, Hospitalisation Bill, Doctor’s Bill, etc.

5. In case of Death of relative, Death Certificate

6. In case of Quarantine, Certificate from the Authorities

7. In case of deposing as a witness, Copy of summons served

8. Copy of ticket

9. Copies of correspondence with the Airline authorities

1. Inform Policy Issuing Office

2. Obtain claim form

3. Inform the Travel agent or the tour operator through whom the trip was arranged

4. Preserve unused ticket or any prior agreement entered into with Hotels, etc., resulting in loss because of cancellation of the trip


Claims Procedure (contd.)Loss Of Passport Claims


1. Copy of complaint lodged with the police

2. Inform Passport office

3. Copy of lost passport

4. Cause of loss

5. Expenses incurred for obtaining duplicate passport


2. Take their Assistance

3. Inform Police

Star Health and Allied Insurance Co. Ltd. Star Family Travel Protect Insurance.

Documents

Transcript of Star Health and Allied Insurance Co. Ltd. Star Family Travel Protect Insurance.