Zurich Kotak Travel Insurance

Zurich Kotak Travel Insurance Brief Overview

Provided by Zurich Kotak General Insurance Company (India) Limited, this travel insurance provides your international adventures with peace of mind. Designed to suit every traveller, this policy aims to make your journeys easy and breezy by providing comprehensive coverage.

This Zurich Kotak travel insurance offers a range of benefits including medical emergency and personal accident cover, as well as travel inconvenience coverage to handle unexpected issues. You can choose from various region-specific plans for destinations like Asia, Worldwide (including/excluding USA & Canada), and Schengen countries, with options tailored for individuals, families, and senior citizens aged 71 and above.

Types of Zurich Kotak Travel Insurance Plans

The insurer offers Zurich Kotak Smart Travel, a comprehensive policy with different variants designed to cater to different travel needs and destinations. These plans are broadly categorised by geographical region, with coverage ranging from standard to highly comprehensive. These are:

• Excel Prime
• Silver
• Gold
• Platinum
• Platinum Plus
• Senior

Here's a simple table outlining the different plan variants available under this policy:

Zurich Kotak Travel Insurance: Eligibility Criteria

Here are the key eligibility criteria if you wish to buy this Zurich Kotak travel insurance policy:

Zurich Kotak Travel Insurance Inclusions

Here are some of the key coverage benefits provided by Zurich Kotak travel insurance plans:

Medical Emergencies & Accidents

• Medical Expenses (Accident and Illness): This benefit reimburses expenses for inpatient care, day care, or OPD treatments if you fall ill or get injured during your trip. I
• Medical Evacuation: If your medical condition requires immediate transfer to a better hospital or back to India, the policy covers the cost of emergency transportation
• Repatriation of Mortal Remains: In the unfortunate event of death abroad, the policy covers the cost of transporting the deceased's remains back to India.
• Dental Expenses: Covers dental treatment expenses for acute pain/injury to teeth that occurs during your trip.
• Home to Home Cover: This benefit extends your medical and personal accident coverage for a period of 6 hours before you leave home for the airport and 6 hours after you return home from the airport in India.

Travel Inconveniences

• Loss/Delay of Checked-in Baggage: Reimburses for the delay or loss of your checked-in baggage because of the airline.
• Trip Delay: Offers a fixed amount for every 4 hours of delay if your scheduled flight or common carrier is delayed for reasons like severe weather, natural disaster, strikes, or equipment failure.
• Trip Cancellation: If your trip is unexpectedly cancelled due to reasons like death or hospitalisation of a family member, natural disaster, or loss of passport, the policy can reimburse non-refundable hotel and ticket costs.
• Loss of Travel Documents: Covers the costs to get duplicate travel documents, such as your passport, international driving license, or visa, if they are lost due to theft, robbery, or natural disaster while abroad.
• Personal Accidents: This policy will provide a lump sum payment in case of accidental death or permanent total disablement during your trip.
• Visa Denial Insurance: This optional cover can reimburse your visa fee if your trip is cancelled solely because your visa application was rejected.

Zurich Kotak Travel Insurance Exclusions

This Zurich Kotak travel Insurance plan has specific situations and conditions that are generally not covered. Understanding these exclusions is just as important as knowing what is included in your travel insurance policy:

• Travelling Against Medical Advice or for Medical Treatment: The policy will not cover you if you are travelling when a doctor has advised against it or if the main reason for your trip is to get medical treatment.
• Self-Inflicted Injury, Suicide, or Influence of Drugs/Alcohol: Any injury or illness that you cause to yourself intentionally, including suicide or attempted suicide, is not covered. If you are under the influence of drugs, alcohol, or other intoxicants, the resulting incidents are excluded.
• War, Civil War, Invasion, and Related Conflicts: Losses or expenses directly or indirectly caused by acts of war (whether declared or not), civil war, invasion, rebellion, revolution, or the use of military or government power are not covered.
• Professional or Semi-Professional Sports Activities: If you are injured or suffer an illness while training for or participating in competitions as a professional or semi-professional sportsperson, it's not covered unless you opt for the Adventure sports add-on.
• Pregnancy and Related Conditions: Costs related to pregnancy, childbirth, miscarriage, etc., are not covered.
• Congenital Anomalies: Conditions that have been present since birth and are abnormal in form, structure, or position, along with any complications arising from them, are generally not covered.