Digit On-The-Move Policy

Why Digit On-The-Move Travel Insurance?

This Digit On-the-move Policy provides travellers with a wide range of covers to choose from. Key benefits available under this policy include core medical covers like emergency medical treatment and evacuation, and Emergency Accidental Treatment and Evacuation. 

The policy also covers many other inconveniences and emergencies you may face abroad during the trip, such as trip cancellation, missed connection, passport loss, personal liability and more. Here are some features of this policy:

• 24X7 missed call response facility
• Separate sum insured offered for accidental injuries
• Covers 152 countries across the globe
• Provides a separate sum insured for each family member
• Offers coverage for PED through specific plans

Digit On-The-Move Plan Variants

The Digit On-the-move Policy offers plan variants primarily categorised by whether they include coverage for Pre-existing Diseases, Sum Insured, and geographical area for PED coverage. Here is a simple table comparing different Digit On-the-move Plan Variants:

Digit On-The-Move Eligibility Criteria

Indians who plan to travel abroad can buy this Digit travel insurance policy to secure their trip. In case of multi-trip plans, it can be renewed up to age 99 years.

At the time of buying or renewing your policy, you must tell the insurer if you have any prior health conditions. Coverage for existing conditions (PED) requires an optional add-on and strict declaration and acceptance. 

Digit On-The-Move Inclusions

It is important to know what your travel insurance policy covers. Here are some key coverages (inclusions) under this Digit On-the-move Policy for Indians travelling abroad:

• Emergency Medical Treatment: This benefit helps you pay for urgent hospital and medical bills if you get sick during your trip and need immediate treatment that requires hospitalisation to save your life or relieve severe pain. 
• Medical Evacuation & Repatriation: The policy will also cover the costs of getting you home if a doctor says it's medically necessary because you are seriously ill and cannot use your return ticket. This is crucial because medical costs overseas can be very high.
• Repatriation of Remains: Sadly, if you pass away during your trip, the policy includes making the necessary arrangements and helping cover the cost to bring your body back to your place of residence. This is included within the emergency medical and accidental treatment covers.
• Daily Cash Allowance: If you are hospitalised for more than a certain number of days while on your trip, this coverage pays you a daily amount of money as per your policy schedule. This can help with small expenses while you are in the hospital.
• Loss of Passport: If your Indian passport is lost, stolen, or damaged while you are outside India, making it impossible to continue your trip or return home, this coverage will help you.
• Trip Cancellation: If you have to cancel your trip before it even starts due to specific reasons listed in the policy, then this Digit On the Move plan can help pay back non-refundable costs you already paid for travel and accommodation.
• Trip Abandonment: If something happens after your trip has started that forces you to end it early and return home, this coverage can help pay for additional travel costs. It can also cover some unused, non-refundable costs.
• Delay of Checked-in Baggage: If the airline temporarily loses your checked-in luggage while you are travelling for more than a specific number of hours, this Digit On the Move policy can provide a fixed amount to help you buy essential items.
• Total Loss of Checked-in Baggage: If your checked-in baggage is permanently lost by the airline, the policy will pay a portion of the covered amount shown in your schedule.
• Waiver of Pre-existing Disease: This is an optional benefit available at an extra premium. It offers coverage for existing medical conditions in case you face a related emergency abroad. You must declare any existing medical condition when buying the policy, and it must be listed as accepted on your policy schedule for claims related to that condition to be paid.
• Compassionate Family Visit: If you are hospitalised while you’re abroad and the treating doctor recommends assistance, the policy can help cover the cost for one of your immediate family members to visit you where you are hospitalised. 
• Escort of Minor Children: If you are hospitalised or pass away and have minor children travelling with you who are unattended, this Digit On the Move policy can help reimburse the cost for a family member to escort them back home.

Digit On-The-Move Travel Insurance Exclusions

Here are some common exclusions mentioned in this Digit On-the-move Policy:

• War or Terrorism: Losses due to civil war, rebellion, military actions, chemical or biological weapons, and acts of terrorism are not covered
• Radiation or Nuclear Events: Injuries or losses due to contamination from nuclear fuel or waste are not covered.
• Illegal Acts: If a claim arises because you committed a breach of the law in the country you are visiting, the policy will not cover it.
• Consequential Loss: This policy will not cover any consequential losses. For example, the policy will not pay for lost wages if you cannot work due to illness or injury during your trip.
• Suicide/Self-inflicted Injury/Drug Use: This policy will not cover any claim in case of intentional injury or damage you cause to yourself. It will also not cover any claim if you suffer a loss because of inebriation.
• Deductibles or Within the Time Excess: You are responsible for the deductible or expenses incurred before a specified waiting period (time excess). These apply separately for each claim and won’t be covered by the policy.
• Claims due to Service Provider Insolvency: If a company you booked through cannot fulfil their service due to bankruptcy, the policy does not cover losses related to this.
• Claims Resulting from Diseases if you Missed Recommended Vaccinations: If you get a tropical or contagious disease at your travel destination and did not receive the recommended inoculations as per the government advisory, related claims are not covered.
• Hazardous Activities: Unsafe practices such as riding a two-wheeler without a helmet, driving a vehicle without a proper license or not following safety laws, participating in manual or hazardous work on a tourist visa, etc., are not covered.

Digit On-The-Move Travel Insurance Claim Procedure

In case of a situation that requires you to raise a claim, you can do so by contacting Policybazaar.com or the insurer at the provided helpline. If you wish to register your claim through Policybazaar, here's what you need to do:

Register Claim

You can get in touch with our claims support team in case of any emergency by clicking on the link which will be shared on your WhatsApp. You can also mail us at travelclaims@policybazaar.com or call us on 1800-258-5881.

Prepare Documents

Depending on your claim type, you will have to provide some documents. Here are some documents that you must provide:

• For Medical Claims: Claim forms, Original admission/discharge card, if applicable, Original Bills, Receipts, Prescriptions and Reports, Copy of passport/visa with entry & exit stamp, Personal ID Proof.
• For Baggage Loss: Claim forms, Property Irregularity Report (obtained from the Airline), Copies of correspondence with the airlines confirming the loss, Approximate cost of lost items, Copy of the passport/visa with entry & exit stamp, Personal ID Proof
• For Trip Cancellation: Claim forms, Medical reports of the insured, a companion or an immediate family member, Details of the amount refunded by the common carrier and Hotel, Copy of flight ticket, Copy of passport, Personal ID proof
• For Trip Delay: Claim forms, Original bills of expenses incurred during the period of delay, Copy of ticket & boarding Pass, Copies of Correspondence with the airline authorities certifying the delay, Copy of passport/visa with entry & exit stamp, Personal ID proof
• For Other Claims: Claim Forms, Copy of the passport/visa with entry & exit stamp, Personal ID Proof, Policy Copy, Original bills and receipts and complaint copies, etc.