SBI General Travel Insurance Policy

International Travel Insurance is a type of insurance that provides you medical, financial and other assistance in case of any emergency or untoward circumstances while traveling outside the country. While you are travelling and in case you are hospitalised, or you need any kind of medical aid; examination by a physician, therapies or diagnostic tests, this cover will assist you through cashless service or reimburse the expenses up to the maximum amount mentioned in your policy.

Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxembourg and Netherlands. It is advisable to have travel insurance because of the various travel safety issues and peaceful trip since the treatment costs and other assistances may be very expensive in the foreign country.

The policy covers - Medical Expenses including Evacuation & Repatriation, Personal Accident, Travel support (loss of passport, Golfer’s Hole-In-One, Home Burglary Insurance, Loss of Checked Baggage, Trip Cancellation, Trip Curtailment, Missed Connection, Delay of Checked Baggage, Hijack Cover, Trip Delay, Hospitalisation Daily Allowance, Bail Bond and Emergency Cash Advance) and Personal Liability.

• Wide range of Sum Insured options from US $ 50,000 to US $ 500,000 in multiple of US $ 50,000
• No Medicals
• Family Floater option

Indian Residents undertaking bonafide trips abroad for: a) business and official purposes, b) holiday purpose and Foreign Nationals working in India

The minimum premium under all circumstances would be ₹ 250/-.

Any person in the age group of 6 months to 70 years can be covered under this Policy.

Family means members listed below travelling on same trip:

• Your legally married spouse as long as she/he continues to be married to You;
• Your legal and dependent children;
• Your legal and dependent parents and parents in law.

Family Floater limit means the Limit of cover under the policy which is available in aggregate, not separately for all members of family who are specified as insured persons in policy schedule and which can be used by all or any of them.

Trip means any Journey during the Period of Insurance, which starts and finishes in India and involves a destination(s) outside India. Trip shall be deemed to commence when the Insured person boards the scheduled aircraft for onward overseas journey and terminates when he disembarks from aircraft on return to India.

No refund of premium or part will be allowed once the journey has commenced.

Deductible is the portion of any claim; as a period of time for which the company will not pay any benefit or as a percentage of the sum insured or a fixed amount that is not covered by the insurance policy. It is mutually agreed and is mentioned in the policy schedule to the Insurance Policy.

You can decide the amount of insurance based on your financial needs and the country that you are visiting. You can choose a plan based on the number of travel days, and the sum insured, amount of premium you want to pay for coverage and the geographical location of your trip.

This insurance covers you only for accidents or sickness which happen unexpectedly and unintentionally while you are travelling abroad and does not pay in case you are travelling solely for the purpose of taking treatment.

The Insurer shall indemnify the Insured person against dental illness that manifests first time during the insured journey and requires immediate medical attention up to the maximum limit of US $ 225 for dental services. Dental care, rendered necessary, as a result of covered accident shall be subject to limit of accident and sickness medical expenses as stated in the Policy Schedule.

This insurance will pay US $ 200 for every 12 hours in excess of first 12 hours up to the limit of cover shown in the Schedule for necessary emergency purchase of replacement items in the event that the Insured person suffers a delay of more than 12 hours from the scheduled arrival time at the destination for delivery of baggage that has been checked by an International Airline for an International outbound flight from the Republic of India.

SBIG’s Travel Insurance Policy covers you up to the maximum amount mentioned in your policy as long as you are travelling in/ by an IATA certified carrier.

This policy has a personal accident cover to take care of your hospitalisation expenses in case of any accidental injury.

You can buy for parents from overseas.

You can buy online the policy on the SBI Card website by completing the questionnaire subject to premium payment.

Emergency Medical Evacuation means arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means arrangement for transportation required to move an insured to his/her country of residence following an emergency.

There is no pre policy medical check-up required in this policy.

There are two options available under this policy: 1. Worldwide and 2. Worldwide excluding USA & Canada.

For Single Trip: - Policy period can be for minimum of 1 day and up to a maximum of 180 days duration.

For Multi Trip: - Policy period will be only for one year and not for any other duration.

Depending on the plan chosen by you, you can either have a Worldwide cover or Worldwide excluding USA & Canada cover. You will be covered for events happening in the locations based on the plan of your choice.

This policy does not cover pre-existing diseases.

The medical expenses incurred by the Insured person in India for continuation of medical treatment commenced by the Insured Person outside India as a result of the injury/illness/disease manifesting for the first time during the course of the insured journey are covered under the policy. This benefit shall be limited to a period of 90 days from and including the date upon which the aforesaid illness and/or accident bodily occurred or first manifested itself, and to Medical Expenses at the usual and customary level.

This is an assistance service when the Insured Person requires emergency cash following incidents like theft/ burglary of luggage/ money or hold up. The Service Provider shall co-ordinate with the insured person’s relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in the Policy Schedule. As soon as the need arises Insured person shall call up Service Provider named in Policy Schedule on the telephone number indicated in the Policy Schedule. Service Provider named in policy schedule shall verify the details of the Insured person and ascertain the amount of cash required, local contact in India who can provide payment security including delivery charges through credit card or close relatives. Service Provider named in Policy Schedule shall organize cash delivery after obtaining payment security from Insured Person or his relatives.

For each 24 hour period the Insured Person is detained by hijackers following hi-jacking of any aircraft in which the Insured person is traveling, the Insurer will pay US $ 200 for every 24 hours in excess of first 24 hours subject to the maximum limit specified in the Policy Schedule. All other Policy terms and conditions shall remain unaltered.

Subject to all other terms and conditions, if the aircraft on which the Insured person is booked to travel from India is delayed beyond 12 hours than the original scheduled departure time, the Insurer will pay US $ 200 for every 12 hours delay in excess of first 12 hours, subject to the maximum amount mentioned in the Policy Schedule. However, the Insurer will not pay,

• for any departure which is delayed as a result of the Insured person or any other person who is to travel with him failing to check-in correctly as required by the airlines
• for any delayed departure caused by strike or industrial action known to exist or was anticipated at the time the trip was booked
• if the aircraft is taken out of service on the instructions of the Civil Aviation Authority or similar authority

This Policy will indemnify the Insured Person for claims made in respect of loss of or damage to contents of the Insured Person’s home in India (located at the address mentioned in the Policy Schedule) caused by actual or attempted Burglary and/or Robbery during the Period of Insurance. The cover incepts from the date of departure of the Insured person from the country and ends on the expiry date or date of return to the country, whichever is earlier. The Insurer’s liability will be subject to maximum limit specified in the schedule. The cover excludes loss or damage to valuables.

FIR (First Information Report) is required in cases of:

• Loss of passport
• Claim under Home burglary insurance
• Bail Bond
• Accidental Claims under Personal accident section
• Personal liability
• Financial emergency

Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of these, including caesarian are excluded. However, this exclusion will not apply to abdominal operation for extra uterine pregnancy (Ectopic Pregnancy), which is proved by submission of Ultra Sonography Report and certification by a Gynecologist that it is life threatening.

The Insurer shall also indemnify the medical expenses incurred by the Insured person in India for continuation of medical treatment commenced by the Insured Person outside India as a result of the injury/illness/disease manifesting for the first time during the course of the insured journey. This benefit shall be limited to a period of 90 days from and including the date upon which the aforesaid illness and/ or accident bodily occurred or first manifested itself, and to Medical Expenses at the usual and customary level.

Following are the terms of extension:

• With prior approval of the Insurer and on payment of extra premium:- Extension in Policy duration is only permissible in single trip insurance for a maximum 180 days subject to the condition that total Policy duration after extension shall not be more than 270 days. The premium for extension of Policy duration will be difference of full extended period premium minus premium received till date.
• Automatic extension: - This extension is over and above extension of the Policy duration after prior approval for a period not exceeding 7 days if necessitated by delay of public transport services beyond the control of the Insured person. This automatic extension will be free of any charge.