Star Health and Allied Insurance Co. Ltd. Star Travel Protect Insurance (For Individuals)

Star Health and Allied Insurance Co. Ltd.

Star Travel Protect Insurance(For Individuals)


Who can benefit from this Policy?

All person residing in India aged between 6 months and 70 years traveling outside India on Business or Holiday can take this insurance.


Coverage When you travel abroad on Business or Holiday our Star

Travel protect policy provides you for• Emergency medical expenses.

• Repatriation in case of medical emergency.

• Repatriation of mortal remains.

• Any Dental emergency expenses following an Accident.

• Compensation following Accidental injuries.

• Cost of Loss of your checked in Baggage.

• Reasonable expenses incurred for obtaining New Passport.


Coverage (Contd.)

• Flight Delay.

• Missed Departure/Connection.

• 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.

• Hijack distress.


Medical Examination

If the medical history as revealed in the proposal is adverse and for persons proposed for insurance are above 60 years

• 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


Sum Insured Options

The coverage is offered for four limits under both plans

• USD 50,000

• USD 100,000

• USD 250,000

• USD 500,000


Plan Options• Plan A-1 : Sum Insured USD 50,000 (including USA and CANADA)

• Plan A-2 : Sum Insured USD 50,000 (excluding USA and CANADA)

• Plan B-1 : Sum Insured USD 100,000 (including USA and CANADA)

• Plan B-2 : Sum Insured USD 100,000 (excluding USA and CANADA)

• Plan C-1 : Sum Insured USD 250,000 (including USA and CANADA)

• Plan C-2 : Sum Insured USD 250,000 (excluding USA and CANADA)

• Plan D-1 : Sum Insured USD 500,000 (including USA and CANADA)

• Plan D-2 : Sum Insured USD 500,000 (excluding USA and CANADA)


Plan A-1 Sum Insured USD 50000 (including USA & CANADA)

Age

Days

6-40 Years 41-50 Years 51-55 Years 56-60 Years 61-65 Years 66-70 Years

Upto 4 600 675 690 780 1271 1300

5 to 7 680 710 745 835 1300 1350

8 to 14 930 970 1005 1095 1790 1821

15 to 21 994 1080 1145 1235 2310 2340

22 to 28 1155 1300 1350 1440 2920 2950

29 to 35 1335 1620 1705 1795 3560 3591

36 to 47 1705 1960 1990 2080 4610 4640

48 to 60 2335 2445 2850 2940 5735 5780

61 to 75 3090 3204 3650 3740 7045 7074

76 to 90 3610 3710 4270 4360 8745 8790

91 to 120 4780 4900 5895 5995 13490 13535

121 to 147 5850 6380 7655 7755 18600 18630

148 to 180 6860 7710 8451 8550 22675 22800Premium figures are in Rupees and inclusive of S.Tax

Premium Rating : Plan A-1


Coverage Limits : Plan A-1Sections Limits of Coverage and Deductible (in USD)

Medical Section Coverage Deductible

Emergency medical Expenses (M1) 50000 100

Dental Emergency Assistance (M2) 250 25

Transportation of Mortal Remains (M3) Included in M1 Included in M1

Emergency Medical Transportation (M4) Included in M1 Included in M1

Accident Section

Personal Accident (A1) 5000 NA

Travel Section

Loss of Checked In Baggage (T1) 250 NA

Loss of Passport (T2) 150 15

Delay of Checked in Baggage (T3) 50 12 Hrs

Flight Delay (T4) 100 20

Missed Departure / Connection (T5) NA NA

Trip Cancellation/Interruption Due To Death of Family Member (T6)

1000 50

Hijack (T7) 100 12 Hrs

Liability Section

Personal Liability (L1) 10000 NA


Plan A-2 Sum Insured USD 50000 (excluding USA & CANADA)

Age

Days


Upto 4 345 395 410 415 880 930

5 to 7 395 420 455 480 980 1030

8 to 14 520 650 685 705 1195 1225

15 to 21 640 685 740 765 1540 1595

22 to 28 730 774 795 850 1830 1876

29 to 35 820 905 980 985 2200 2275

36 to 47 915 1075 1085 1185 2555 2910

48 to 60 1025 1175 1275 1350 2995 3660

61 to 75 1550 1645 1740 1770 3770 4740

76 to 90 1950 1970 2151 2185 4485 5630

91 to 120 2465 2635 3690 3890 8275 9605

121 to 147 2830 2870 5135 5185 11405 11549


Premium Rating : Plan A-2


Coverage Limits : Plan A-2Sections Limits of Coverage and Deductible (in USD)






Accident Section


Travel Section







1000 50


Liability Section



Plan B-1 Sum Insured USD 100000 (including USA & CANADA)

Age

Days


Upto 4 750 774 860 885 1330 1500

5 to 7 825 855 965 995 1360 1630

8 to 14 1020 1150 1175 1271 1850 2400

15 to 21 1115 1295 1405 1491 2371 3940

22 to 28 1195 1491 1711 1825 2980 4960

29 to 35 1434 1931 2025 2100 3620 6385

36 to 47 1935 2320 2544 2630 4699 7935

48 to 60 2640 3545 3591 3660 5825 9070

61 to 75 3435 4575 4600 4675 7135 9551

76 to 90 4310 5365 5450 5524 9005 10975

91 to 120 5810 6780 7400 7500 13600 15191

121 to 147 7590 8590 9990 10120 18710 25685


Premium Rating : Plan B-1


Coverage Limits : Plan B-1Sections Limits of Coverage and Deductible (in USD)






Accident Section


Travel Section







1000 50


Liability Section



PlanB-2 Sum Insured USD 100000 (excluding USA & CANADA)

Age

Days


Upto 4 432 459 504 529 1159 1235

5 to 7 480 499 519 539 1185 1290

8 to 14 594 680 740 780 1669 1770

15 to 21 688 715 770 800 2179 2200

22 to 28 780 797 816 870 2690 2730

29 to 35 887 930 1010 1045 3130 3327

36 to 47 1018 1153 1172 1230 4055 4256

48 to 60 1110 1242 1330 1460 5065 5263

61 to 75 1606 1724 2934 3023 6650 6730

76 to 90 2046 2324 3414 3528 7979 8099

91 to 120 2828 2997 4613 4792 11055 11165

121 to 147 3453 3842 5984 6232 14644 14715


Premium Rating : Plan B-2


Coverage Limits : Plan B-2Sections Limits of Coverage and Deductible (in USD)






Accident Section


Travel Section







1000 50


Liability Section



Plan C-1 Sum Insured USD 250000 (including USA & CANADA)

Age

Days


Upto 4 790 825 870 900 1400 1601

5 to 7 855 950 1105 1260 1450 1685

8 to 14 1060 1250 1271 1340 1970 2720

15 to 21 1140 1360 1485 1540 2434 4385

22 to 28 1250 1585 1855 1880 3100 5325

29 to 35 1550 1960 2140 2155 3745 6630

36 to 47 1940 2515 2695 2755 4955 8810

48 to 60 2955 3855 3955 4055 5955 9855

61 to 75 4070 5065 5165 5265 7633 10270

76 to 90 4765 5940 5980 6040 9435 11015

91 to 120 6430 7200 7860 7965 15585 16189

121 to 147 8645 8990 10840 10940 19970 26970


Premium Rating : Plan C-1


Coverage Limits : Plan C-1Sections Limits of Coverage and Deductible (in USD)






Accident Section


Travel Section





Missed Departure / Connection (T5) 200 NA


2000 50


Liability Section



Plan C-2 Sum Insured USD 250000 (excluding USA & CANADA)

Age

Days


Upto 4 515 529 535 585 1200 1260

5 to 7 546 583 603 645 1350 1390

8 to 14 633 733 787 835 1735 1825

15 to 21 750 779 843 905 2250 2500

22 to 28 806 877 928 966 2775 2900

29 to 35 941 947 1121 1227 3375 4359

36 to 47 1151 1260 1306 1375 4300 4983

48 to 60 1367 1424 2671 2870 5300 6106

61 to 75 1868 1913 3345 3369 7225 7708

76 to 90 2182 2653 3901 3926 8997 9072

91 to 120 3169 4081 5266 5291 12358 12433

121 to 147 3853 4833 6956 6980 16379 16454


Premium Rating : Plan C-2


Coverage Limits : Plan C-2Sections Limits of Coverage and Deductible (in USD)






Accident Section


Travel Section







1500 50


Liability Section



Plan D-1 Sum Insured USD 500000 (including USA & CANADA)

Age

Days


Upto 4 985 1130 1165 1225 1700 1775

5 to 7 985 1159 1190 1436 1920 2035

8 to 14 1250 1711 1821 1855 2675 2825

15 to 21 1423 1805 1855 1890 3340 4450

22 to 28 1682 2014 2070 2210 4150 5720

29 to 35 2036 2705 2825 2860 5200 6865

36 to 47 2520 3090 3190 3245 6810 8975

48 to 60 3730 4250 3990 4075 8650 10060

61 to 75 4801 5709 5799 5895 10985 11135

76 to 90 6375 7945 7975 8009 13919 14040

91 to 120 7655 10740 10771 10805 21790 21990

121 to 147 9669 13865 13895 13930 30110 30225


Premium Rating : Plan D-1


Coverage Limits : Plan D-1Sections Limits of Coverage and Deductible (in USD)






Accident Section


Travel Section







2500 50


Liability Section



Plan D-2 Sum Insured USD 500000 (excluding USA & CANADA)

Age

Days


Upto 7 904 1024 1125 1250 1675 1825

8 to 14 1164 1491 1475 1585 2385 2515

15 to 21 1355 1684 1750 1800 2950 3035

22 to 28 1565 1890 1910 1945 3525 3600

29 to 35 1931 2439 2525 2654 4345 4500

36 to 47 2269 3045 3070 3225 5530 5625

48 to 60 3046 3940 3635 3795 6813 6905

61 to 75 4115 4870 4905 5400 8830 8950

76 to 90 4924 6783 6425 6565 10429 11200

91 to 120 6105 7954 8050 8275 14875 15175

121 to 147 7976 9975 10075 11376 20625 21350

148 to 180 9830 12075 12300 12575 24025 24325

Premium figures are in Rupees and inclusive of S.Tax

Premium Rating : Plan D-2


Coverage Limits : Plan D-2Sections Limits of Coverage and Deductible (in USD)






Accident Section


Travel Section







2000 50


Liability Section



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 activities.

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 Travel Protect Insurance (For Individuals)

Documents

Transcript of Star Health and Allied Insurance Co. Ltd. Star Travel Protect Insurance (For Individuals)