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.