Star Health Travel Protect Insurance Policy
Introduction:
This Plan takes care of any health issues when you are travelling abroad on a business or a holiday, thus protecting you against foreign culture, unfamiliar conditions, varied political scenarios’ etc.
Eligibility:
- Person residing in India: minimum age:6 months, maximum- 70 years, travelling abroad.
- Person between 70-75%, premium loading is 50%, and above 75 years premium is 100%.
Plan Benefits:
- Emergency medical, Repatriation in case of medical emergency, dental emergency expenses following an accident, compensation following accidental injuries
- Loss of checked in baggage (up to the limits)
- Expenses incurred for obtaining new passport
- Delay in flight or missed departure/connection, situation involving hijack distress
- Expenses on emergency purchases of consumables due to any delay in handing checked in baggage by the carrier for more than 12 hours
- Pecuniary loss on cancellation of your trip due to any accidental bodily injury/death of family members.
- Any Legal Liability burdened upon you due to causing bodily injury or property damage to any third party.
Additional Benefits:
- Medical Tests are not required
- Extension of policy is available on payment of additional premium, subject t0 a maximum of two extensions; however request for such case is to be made 7 days in advance.
- When travel period is 180 days and extension required is above 180 days, premium payable is as follows.
Plans | Including USA and Canada | Excluding USA and Canada |
Additional Premium (in addition to the 180 days trip for every additional 30 days) | 25% | 20% |
Exclusions:
- Travel against medical advice
- Pre-existing condition or disease and subsequent treatment
- Travel for medical condition.
- Risk sports such as rock climbing, mountaineering, winter sports, skiing.
- Self-inflicted injuries, suicide, mental disorder, intentional involvement in dangerous situations.
- Expenses due to pregnancy, congenital diseases.
Policy details:
- The insurance is applicable for travel worldwide both including USA and Canada and excluding USA and Canada.
- The coverage is for four limits of Rs. 3331247, 6662495 and 16656237.
Limits of Coverage and Deductibles:
Medical | Minimum coverage at USA | Maximumcoverage at USA | Minimum coverage at USA | Maximumcoverage at USA |
Emergency Medical Expenses (Deductibles) M1 | 3332272(6664) | 6664545(6664) | 16661362(6664) | 33322725(6664) |
Dental Expenses (Deductibles) M2 | 16661(1666) | 16661(1666) | 16661(1666) | 16661(1666) |
Transportation of Mortal Remains M3 | Included in M1 | Included in M1 | Included in M1 | Included in M1 |
Emergency Medical Transportation M4 | Included in M1 | Included in M1 | Included in M1 | Included in M1 |
Accident | ||||
Personal Accident | 333227 | 666454 | 1666136 | 3332272 |
Travel | ||||
Loss of Checked in Baggage T1 | 16661 | 16661 | 33322 | 49984 |
Loss of Passport T2 | 9996(999) | 13329(999) | 16661(999) | 16661(999) |
Delay of checked in Baggage T3 | 3332(12 hours) | 3332(12 hours) | 6664(12 hours) | 6664(12 hours) |
Flight Delay T4 | 6664(1332) | 9996(1666) | 16661(1666) | 16661(1666) |
Missed Departure T5 | NA | NA | 13329 | 13329 |
Trip Cancellation due to Accidental Death of Family Men | 66645 (3332) | 66645(3332) | 133290(3332) | 133290(3332) |
Hijack T7 | 6664(12 hours) | 6664(12 hours) | 13329(12 hours) | 13329(12 hours) |
Liability Section | ||||
Personal Liability | 666454 | 1332909 | 16661362 | 33322725 |
Premium Details:
Sum Insured Rs. 3332272 |
||||||
No of Days | Age | |||||
6m-40 | 41-50 | 51-55 | 56-60 | 61-65 | 66-70 | |
Up to 4 | 601 | 675 | 691 | 781 | 1272 | 1301 |
5-7 | 681 | 711 | 746 | 836 | 1301 | 1352 |
8-14 | 931 | 971 | 1006 | 1097 | 1792 | 1822 |
15-21 | 996 | 1081 | 1146 | 1236 | 2312 | 2343 |
22-28 | 1156 | 1301 | 1352 | 1442 | 2924 | 2953 |
29-35 | 1336 | 1621 | 1707 | 1797 | 3564 | 3594 |
36-47 | 1707 | 1962 | 1992 | 2082 | 4615 | 4645 |
48-60 | 2337 | 2447 | 2853 | 2943 | 5742 | 5787 |
61-75 | 3093 | 3208 | 3654 | 3744 | 7053 | 7082 |
76-90 | 3614 | 3714 | 4274 | 4365 | 8754 | 8799 |
91-120 | 4785 | 4906 | 5901 | 6001 | 13505 | 13549 |
121-147 | 5856 | 6387 | 7663 | 7763 | 18620 | 18650 |
148-180 | 6867 | 7718 | 8460 | 8560 | 22699 | 22825 |
Sum Insured Rs. 6664545 |
||||||
No of Days | Age | |||||
6m-40 | 41-50 | 51-55 | 56-60 | 61-65 | 66-70 | |
Up to 4 | 751 | 775 | 861 | 885 | 1331 | 1501 |
5-7 | 826 | 856 | 966 | 996 | 1362 | 1631 |
8-14 | 1021 | 1152 | 1179 | 1272 | 1852 | 2402 |
15-21 | 1116 | 1297 | 1407 | 1492 | 2373 | 3944 |
22-28 | 1197 | 1492 | 1712 | 1827 | 2983 | 4965 |
29-35 | 1436 | 1933 | 2027 | 2102 | 3624 | 6392 |
36-47 | 1937 | 2322 | 2547 | 2633 | 4705 | 7944 |
48-60 | 2643 | 3548 | 3594 | 3664 | 5831 | 9080 |
61-75 | 3438 | 4580 | 4605 | 4680 | 7143 | 9561 |
76-90 | 4315 | 5371 | 5456 | 5530 | 9015 | 10987 |
91-120 | 5816 | 6788 | 7408 | 7508 | 13615 | 15207 |
121-147 | 7598 | 8599 | 10001 | 10130 | 18730 | 25712 |
148-180 | 9420 | 10972 | 12023 | 12138 | 22809 | 28455 |
Sum Insured Rs. 16661362 |
||||||
No of Days | Age | |||||
6m-40 | 41-50 | 51-55 | 56-60 | 61-65 | 66-70 | |
Up to 4 | 790 | 826 | 872 | 901 | 1401 | 1602 |
5-7 | 856 | 951 | 1105 | 1262 | 1452 | 1687 |
8-14 | 1061 | 1252 | 1271 | 1342 | 1972 | 2722 |
15-21 | 1142 | 1362 | 1487 | 1542 | 2437 | 4390 |
22-28 | 1252 | 1587 | 1857 | 1882 | 3103 | 5329 |
29-35 | 1552 | 1962 | 2143 | 2157 | 3749 | 6637 |
36-47 | 1942 | 2518 | 2698 | 2758 | 4961 | 8819 |
48-60 | 2958 | 3860 | 3960 | 4060 | 5962 | 9865 |
61-75 | 4074 | 5071 | 5171 | 5271 | 7642 | 10281 |
76-90 | 4770 | 5946 | 5987 | 6046 | 9445 | 11027 |
91-120 | 6437 | 7209 | 7869 | 7973 | 15601 | 16207 |
121-147 | 8654 | 9001 | 10852 | 10952 | 19991 | 26999 |
148-180 | 10471 | 11873 | 12884 | 12984 | 26628 | 30408 |
Sum Insured Rs. 33322725 |
||||||
No of Days | Age | |||||
6m-40 | 41-50 | 51-55 | 56-60 | 61-65 | 66-70 | |
Up to 4 | 987 | 1131 | 1166 | 1226 | 1702 | 1776 |
5-7 | 987 | 1161 | 1191 | 1437 | 1922 | 2037 |
8-14 | 1252 | 1712 | 1822 | 1857 | 2678 | 2828 |
15-21 | 1425 | 1778 | 1828 | 1862 | 3344 | 4455 |
22-28 | 1684 | 2016 | 2071 | 2212 | 4154 | 5727 |
29-35 | 2038 | 2708 | 2828 | 2863 | 5206 | 6872 |
36-47 | 2522 | 3093 | 3193 | 3248 | 6817 | 8984 |
48-60 | 3735 | 3944 | 4081 | 4255 | 8658 | 10071 |
61-75 | 4806 | 5715 | 5806 | 5901 | 10997 | 11147 |
76-90 | 6382 | 7954 | 7983 | 8018 | 13994 | 14055 |
91-120 | 7663 | 10752 | 10782 | 10817 | 21814 | 22014 |
121-147 | 9679 | 13880 | 13910 | 13945 | 30142 | 30257 |
148-180 | 12438 | 15507 | 15537 | 15572 | 35678 | 35879 |
*The above figures may change. Check the policy wordings for more details.
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