Star Health Travel Protect Insurance Policy

*Please note that the quotes shown will be from our partners

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.