Accidental & sickness medical expenses

Baggage Delay/ Loss

Trip Delay / Cancellation

Passport Loss

Emergency Medical Evacuation

Missed flights

Medical expenses

Passport Loss

Study interruption

Bail Bond , Personal Liability

Trip Delay / Cancellation

Compassionate visit

No medical tests

Instant policy

Royal Sundaram Travel Secure Asia Plan

Royal Sundaram Travel Secure Asia Plan is an affordable travel insurance plan designed by Royal Sundaram General Insurance exclusively for people travelling within Asia. This travel insurance plan offers comprehensive coverage for both medical and trip-related contingencies in any Asian country while travelling from India. Whether you are travelling to Singapore, Malaysia, Thailand, Indonesia, and various other Asian destinations, the plan will cover you from every possible travel-related peril. However, the coverage is not providing in Japan and Korea.

Features of Royal Sundaram Travel Secure Asia Plan

Royal Sundaram Travel Secure Asia Plan is one of the best travel insurance plans for individual coverage benefits due to the following reasons:

Comprehensive coverage benefits for both medical and non-medical emergencies across Asia ( except Japan and Korea)
No pre-medical examination required
Easy travel insurance policy extension facility
Easy travel insurance policy cancellation
Free-look period in annual multi-trip plans

Eligibility Criteria to Buy Royal Sundaram Travel Secure Asia Plan

Anyone who is travelling within Asia can buy this overseas travel insurance plan provided the following eligibility criteria are met:

Age Criteria
Minimum Age of the Proposer	18 years
Minimum entry age	91 days
Maximum entry age	70 years
Health Criteria
Medical Reports	Not Required ( provided you are in a good health condition)

Royal Sundaram Travel Secure Asia Plan Coverage

Royal Sundaram travel insurance plan for Asia compensates for a number of unforeseen circumstances that can otherwise ruin your trip. Some of the key inclusions under this plan are listed below:

Medical Expenses such as OPD, cost of hospitalization, doctor’s fees, local emergency medical transportation (including Medical Evacuation)

Dental treatment in case of an accidental injury ( provided the teeth were in a good condition before travelling)

Direct expenses incurred on documentation required to obtain for new/duplicate passport, in case the original one is lost

Accidental bodily injuries abroad resulting in death or total disability while travelling in a common carrier such as aircraft, bus, rail, or tram

Expenses incurred due to complete loss of checked-in baggage

Delay of Checked-in Baggage cover while travelling abroad from India

Personal liabilities arising due to third-party damage/injury/loss

Expenses incurred on repatriation of mortal remains to the home country

Trip cancellation charges such as pre-paid lodging cost, ticket cancellation charges

Compassionate Visit by a family member in case the insured is hospitalized for more than 5 days and the doctor recommends for someone to take care

A delayed inbound or outbound trip due to any of the natural calamities ( as specified in the policy documents)

Emergency cash assistance in case of theft/burglary/baggage loss during the trip

Hijacking benefit ( in a common carrier if held captive for more than 12 hours)

Assistance services like an overview of country, currency exchange rate, weather conditions, vaccinations

Royal Sundaram Travel Secure Asia Plan Coverage Table

The sum insured limit and deductibles applicable for specific coverage is listed in the below table:

Benefits	Sum Insured	Deductibles
Medical Expenses (including medical evacuation)	USD 50000
Hospital room & Board & Hospital Miscellaneous	USD1500/day up to 30 days	Hospital room & board & hospital miscellaneous
Intensive Care Unit	USD2500/day up to 7 days	Intensive Care Unit
Surgical Treatment	Max USD10,000	Surgical treatment
Anesthetist Services	Max up to 25% of Surgical Treatment	Anesthetist services
Physician's Visit	Max USD75/day up to 10 visits	Physician's visit
Diagnostic & Pre-admission testing	Max up to USD500	Diagnostic & pre-admission testing
Ambulance Services	Max up to USD400	Ambulance services
Sickness Dental Relief	USD 500	USD 100
Loss of Checked-in Baggage (maximum 50 % per baggage and per item 10 %)	500	Nil
Accidental Death and Dismemberment Benefit (24 hrs.)	10,000	Nil
Loss of Passport	250	USD25
Accidental Death and Dismemberment Benefit (Common Carrier)	5,000	Nil
Delay of Checked-in Baggage	100	6hrs
Emergency Cash Advance (Cash Advance Would include delivery charges)	500	Nil
Compassionate Visit	5000	0
Trip Cancellation Cover	500	0
Repatriation of Mortal Remains	5000	Nil
Hijacking Benefit	USD100/day for max 6 days	After 12 hrs.

Coverage Table for Accidental Death and Disability Cover

In case of accidental death or disability arising out of (within 12 months) an accident or injury during the trip, within the specified under this section as per table given below:

Benefits	Coverage Offered
Death	100%
Permanent Total Disablement
Total and irrevocable loss of
Both feet or hands	100%
One entire foot and hand	100%
Both eyes sight	100%
Hearing impairment in both ears	100%
Sight of one eye or loss of one hand or foot	100%
The sight of one eye	50%
Either foot or hand	50%
Hearing in both ears	50%
Speech	50%
Quadriplegia	100%
Index finger and thumb	25%
Hemiplegia	50%
Paraplegia	50%
Uniplegia	25%

Note: the maximum liability in case of an international travel insurance claim shall not exceed 100% of the sum insured offered under the above section.

Exclusions of Royal Sundaram Travel Secure Asia Plan

Royal Sundaram General Insurance is not liable to compensate you for claims arising due to the following reasons:

Any claim arising due to any incidence occurring before the policy commencement or post completion of the policy term

Any health emergency resulting due to pre-existing medical conditions (except for life-threatening conditions up to a max of USD2000)

Any emergency arising due to intentional or willful act/crime/intoxication

Accidents directly or indirectly or indirectly related to riding on a motorcycle without a valid international driving license, a safety crash helmet and traffic rules applicable to the country

Medical emergencies arising due to war and warlike conditions, rebellion, acts of foreign enemies, civil war, and hostilities

If the loss or damage resulted due to involvement in hazardous activities

Any claim arising out of injuries resulting from adventure or sports activities

Royal Sundaram Travel Secure Asia Plan FAQs

Q1. What are the benefits of buying the Royal Sundaram Asia Travel Insurance policy?

The key highlights of this plan are as follows:

Compensation for health and medical emergencies that require hospitalization in a foreign land
If your checked-in baggage is lost you can claim for a compensation
If your passport is lost you can seek help and get financial assistance
If you are mugged in a foreign land, help is given at your doorstep
Trip cancellation and trip delays are also covered under this travel insurance plan

Q2. What are natural calamities are covered under the trip delay cover?

A delay in your trip is covered if it results due to the following natural disasters:

Landslide and rockslide
Earthquake
Lighting, Tempest, Storm, Typhoon, Inundation, Hurricane, Subsidence
Volcano Eruption
Avalanche
Floods resulting from unseasonal rains, storm or cyclone
Tsunami
Terrorism

Q3. What is the type of cover available under the Royal Sundaram Travel Secure Asia Plan?

This Asia travel insurance plan offers coverage on an individual basis and not on a Family Floater basis.

Q4. Do I need to undergo any pre-medical screening?

No, a medical test is not required to get travel insurance.

Q5. What is the premium cost for Royal Sundaram Travel Secure Asia Plan?

The premium is decided on the basis of your age, destination, and duration of the trip. The premium has to be paid only once. Please refer to the policy wordings for the complete premium grid.

Q6. What are deductibles in travel insurance?

It is the portion of your travel insurance claim amount that you need to pay from your own pocket at the time of claim. Please check for deductibles/excess at the time of policy purchase.

Written By: PolicyBazaar - Updated: 13 November 2019

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