New India Assurance Suhana Safar Policy

Why New India Assurance Suhana Safar Policy?

New India Assurance travel insurance plans are aptly designed to secure you from the various risks you could face on your trip. This policy is specially designed for domestic travelers who may face many common risks while moving around the country. This plan covers people who travel through rail, air, road, and/or water. The plan also offers protection to those traveling by their own vehicle. It can be availed for a short duration or travel up to a period of 60 days within India.

Features & Benefits of New India Assurance Suhana Safar Policy

Here are some of the features of this New India Assurance Suhana Safar Policy:

• Medical Assistance: The plan provides coveragein cases of accidents, injuries, diseases, etc that the insured may face during commuting.
• Travel-related Benefits:The company will cover loss of baggage due to theft, accidents, floods, etc and provide you with stated reimbursement
• Made for All:The policy can be purchased by anyone who is a frequent traveler in India. Travel via road, via air, via railways as well as individual car travel is also covered.
• Extended to Family:The benefits can also be extended to more than one individual accompanying you.
• Free Look Period:You can avail of this in the initial 15 days from the date of receipt of this policy during which you can review its terms and conditions.
• Grievance Assistance:The insured can contact any of the regional offices and reach out to the Grievance Cells in case of any issues related to the policy.

Things to know about New India Assurance Suhana Safar Policy

Here are a few important things about this plan that you should keep in mind:

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Inclusions Under the New India Assurance Suhana Safar Policy

The policy covers the risk of personal accident, loss, or damage to the accompanied baggage of a family consisting of the insured, their spouse, and their dependent children. These have been covered below:

Personal Accident Benefit:

The policy provides for personal accident cover up to Rs.1 lacs per person with reimbursement of emergency incidental expenses up to Rs. 1,000 per person. Depending upon the nature of disablement, the percentage of the sum insured compensated can range from 4% to 100%. The insured will also receive up to Rs. 1,000 per insured person in case of actual emergency incidental expenses caused due to the accident.

Baggage Cover:

The policy covers loss or damage to baggage up to the sum assured, but not more than Rs. 500 per article, unless specifically declared. The sum insured differs with the number of persons covered under the policy, ranging from Rs. 5,000 for one individual up to Rs. 15,000 for more than 4 people covered.

Accidental Risk Cover:

In case of any unfortunate accidents, the policy also provides an accidental risk cover up to Rs 1 lacs per head. The policy can provide cover to the individual, their spouse, and dependent children.

Exclusions Under the New India Assurance Suhana Safar Policy

Like all policies, the buyer needs to go through important exclusions before making their decision to buy a policy. This New India Assurance Suhana Safar Policy has the following exclusions:

• No claim is applicable if the person is self-injured, or has attempted suicide
• Loss of articles like jewelry, money, semi-precious metals or stones, travel tickets, cheques, etc. isnot applicable for making a claim.
• If the insured has engaged in any dangerous sports or hazardous activities
• If the insured is under the influence of drugs or alcohol
• If the person has participated in any war or allied perils
• If the insured has been exposed to any nuclear radiations or dangerous ionizing radiations

New India Assurance Suhana Safar Policy Eligibility Criteria

The policy is specially designed for Indian citizens who are frequently traveling throughout the country. The mode of travel can be by road, by air, by railways or individual means of transport.
Individuals can opt for this New India Assurance Suhana Safar Policy for themselves as well as their family including spouse and children.

New India Assurance Suhana Safar Policy Claims Procedure

The claims procedure differs with the type of claim you're applying for. For Claims Regarding Personal Accident you need to provide the following:

• Completed claim form
• Medical report from the attending medical practitioner
• Investigation reports like x-rays, laboratory tests, etc
• Police reportwherever required
• The medicalbill as per the doctor’s prescription

Please note that vitamins and tonics can be deemed medicines only if they have been prescribed as a part of the treatment.

If applying for claims in case of Fatal Accidents, the following documents will be required:

• Certificate of death
• Post-mortem report
• Inquest report (wherever applicable)
• Coroner's report

Claims regarding baggage loss need a copy of the police report which should be lodged as soon as possible.

Comparison ofNew India Assurance Company travel plans with other available plans will help you understand the benefits of each plan. Make sure to compare different travel insurance plans at Policybazaar.com before buying a plan. In case of any confusion, customers can write to Policybazaar Insurance Broker Private Limited at care@policybazaar.com