Royal Sundaram Travel Secure Insurance Policy

• Royal Sundaram Travel Secure Policy Inclusions

  The Travel Secure insurance by Royal Sundaram General Insurance Co. Ltd offers several benefits to Indians travelling abroad. Your policy will cover you for several things, a few of these inclusions are briefly mentioned below:

  • Medical Expenses: Covers expenses for OPD, hospitalisation, medical practitioner charges, local emergency medical transportation, and medical services for any illness or injury sustained while abroad.
  • Medical Evacuation: The policy also covers medical evacuation to a better facility or back to India, with prior approval.
  • Sickness Dental Relief: Covers expenses resulting from sickness sustained to sound natural teeth during a trip abroad.
  • Accidental Death & Dismemberment: Provides a certain sum insured in case of accidental death or disablement during the insured trip.
  • Repatriation of Mortal Remains: Covers transportation expenses to return the mortal remains to the place of residence in India or for burial/cremation expenses in the country of death.
  • Delay of Checked-in Baggage: The policy covers emergency purchases of essential clothes, toiletries, and medicines if your checked-in luggage is delayed on an international outbound flight from India. This benefit is payable only on the outward journey.
  • Loss of Checked-in Baggage: Reimburses for the total loss of checked-in baggage by the common carrier airline.
  • Loss of Passport: Covers expenses for getting an emergency travel document in lieu of a lost passport or visa. The loss should be reported to the local police within 24 hours.
  • Personal Liability: Compensates if you accidentally become legally liable to a third party for death/injury or damage to property during the trip.
  • Trip Delay: Reimburses reasonable expenses for food, beverages, and essential clothing/toiletries if the common carrier's commencement is delayed for more than 6 continuous hours. This covers both inbound and outbound journeys.
  • Trip Cancellation: Reimburses the unused, non-refundable portion of prepaid lodging and ticket cancellation charges if the trip is cancelled due to death, serious injury, or sudden sickness requiring hospitalisation.
  • Trip Curtailment: Reimburses proportionate expenses for prepaid, non-refundable tickets for the return journey to India if the trip is cut short due to specific reasons.
  • Missed Connections/Missed Departures: Provides reimbursement for boarding and lodging costs if a connecting flight is missed due to valid reasons.
  • Political Risk and Catastrophe Evacuation: Reimburses travel expenses to the country of residence and reasonable accommodation expenses if evacuation is needed due to political risk or catastrophe.
  • Assistance Services: Provides services such as country overviews, weather updates, and currency exchange rates.
  • Home Contents Insurance: Covers loss or damage to household contents in India due to fire, allied perils, or burglary while the insured is abroad.
  • Study Interruption: In the event of hospitalization of more than one consecutive month or in the case of Terminal Sickness, the policy shall reimburse the policyholder their tuition fees which has already been advanced to the educational institution.
  • Sponsor Protection: In case of injury to the insured student's sponsor resulting in their death or permanent disablement, this policy will reimburse the tuition fee for the remaining period of their studies.
  • Bail Bond: The insurer will help cover the bail bond costs for the student, if it is a result of any inadvertent lawbreaking or wrongful detention during their journey abroad.
  • Felonious Assault (Accidental Death & Dismemberment): The insurer will pay a certain sum if the insured sustains injury due to a felonious assault during their trip.

• Royal Sundaram Travel Secure Policy Exclusions

  Knowing what is covered by your policy is very important, however, even more important is being aware of situations not covered by your policy. Here are some general exclusions under this Royal Sundaram Travel Secure insurance policy:

  • Pre-existing Conditions: Any medical issues you already have before the start of the policy are generally not covered. In case of life-threatening emergencies, some coverage may be available.
  • Travel Against Advice: If you travel against a doctor's recommendation, any related claims will be denied.
  • Intentional Acts and Substance Abuse: Injuries or illnesses resulting from intentional self-harm, criminal actions, or being under the influence of drugs or alcohol will not be covered.
  • Mental Disorders and Suicide: Claims arising from mental health issues, suicide attempts, or self-inflicted injuries will not be covered.
  • STDs and HIV/AIDS: Sexually transmitted diseases and related conditions are not covered.
  • War and Nuclear Events: Any claims resulting from war, invasion, or nuclear events are not covered.
  • Illegal Activities: Involvement in illegal activities like vandalism or riots will void coverage.
  • Manual Work: If you're engaging in manual labour or dangerous occupations, related claims are excluded.
  • Fraudulent Claims: Any fraudulent claim or false statements will result in the denial of benefits.
  • Pregnancy (with exceptions): Pregnancy and related conditions are generally excluded unless it is a student travel plan that includes maternity benefits.

Royal Sundaram Travel Secure Policy: FAQs

• Q: What is the eligibility for the Leisure, Multi-Trip and Asia variants under this Royal Sundaram Travel Secure policy?

  Ans. The minimum entry age is 91 days, and the maximum entry age is 70 years.

• Q: What should I do if my checked-in baggage is delayed?

  Ans. If your checked-in baggage is delayed for more than 6 hours, you can get reimbursed for emergency purchases of essential items like clothes and toiletries. This Royal Sundaram Travel Secure insurance policy covers baggage delays. You will have to provide a property irregularity report and a certificate from the airlines confirming the delay.

• Q: How long do I have to submit a claim?

  Ans. You must submit your claim with all supporting documents within 30 days from the date of your return to India.