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Q1. Why do I need Travel Insurance? What is the benefit of taking a 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.
Q2. Is travel insurance mandatory?
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.
Q3. What does the policy covers?
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.
Q4. What are the Unique Selling Propositions (USPs) of the policy?
Q5. Who can buy the policy?
Indian Residents undertaking bonafide trips abroad for: a) business and official purposes, b) holiday purpose and Foreign Nationals working in India
Q6. What is the minimum premium for this insurance?
The minimum premium under all circumstances would be ₹ 250/-.
Q7. What is the age limit for this Policy?
Any person in the age group of 6 months to 70 years can be covered under this Policy.
Q8. What does a Family mean?
Family means members listed below travelling on same trip:
Q9. What ‘Family Floater Limit’ means?
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.
Q10. What do you mean by a trip and when does the cover begin? Till when is the policy valid?
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.
Q11. What if I return before the last-day of my policy period?
No refund of premium or part will be allowed once the journey has commenced.
Q12. What is a deductible?
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.
Q13. How do I decide the amount of insurance I require while travelling or does the insurance company decide it?
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.
Q14. Would I be reimbursed for the medical expenses incurred abroad, if I go specifically for the purpose of seeking medical treatment?
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.
Q15. Does the policy cover for dental 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.
Q16. What will happen if my baggage does not clear in time? Will my policy help me in any way?
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.
Q17. If I suffer any loss while travelling by railway/ ship in a foreign country does my International travel policy help me in any way?
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.
Q18. If I meet with an accident during the trip, will the policy cover me?
This policy has a personal accident cover to take care of your hospitalisation expenses in case of any accidental injury.
Q19. Can I buy insurance from overseas for my parents who live in India and coming to visit me? Will this policy be a valid insurance?
You can buy for parents from overseas.
Q20. What information do I need to complete the online application? What documents will the company have to submit to purchase a travel plan offline?
You can buy online the policy on the SBI Card website by completing the questionnaire subject to premium payment.
Q21. What does Medical Repatriation and Evacuation cover?
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.
Q22. Is there any medical check-up before issuing the policy?
There is no pre policy medical check-up required in this policy.
Q23. Which Geographies this policy covers?
There are two options available under this policy: 1. Worldwide and 2. Worldwide excluding USA & Canada.
Q24. What are the periods of insurance for Single Trip and Multi Trip?
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.
Q25. Are there any formalities/ restrictions for the countries you travel?
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.
Q26. Does the Policy cover pre existing disease?
This policy does not cover pre-existing diseases.
Q27. If I sustain a loss on the last day of the Policy and continue treatment in India, will the Policy be automatically extended to cover the loss?
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.
Q28. In case I am short of cash, can I avail of Financial Emergency assistance?
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.
Q29. What will happen in case the flight is hijacked?
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.
Q30. What happens if the flight is delayed?
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,
Q31. My entire family is travelling with me for 2 months. My house is going to be locked. In case there is a robbery/ theft or fire, will the policy reimburse us?
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.
Q32. Is FIR required on occurrence of an accident?
FIR (First Information Report) is required in cases of:
Q33. Is pregnancy or disease/ complication arising out of pregnancy covered?
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.
Q34. If I sustain a loss on the last day of the Policy and continue treatment in India, will the Policy be automatically extended to cover the loss?
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.
Q35. What are the terms for extension in Policy Duration?
Following are the terms of extension: