If you are not satisfied with the terms & conditions of the Policy or the benefits which appears in the policy are not the same which was explained to you by the intermediary, you have an option to cancel the policy within 15 days from the date of receipt of Policy document ( free look period) & get back your money less the taxes and medical cost if any, borne by the Insurer in case of Non linked Policy & Fund value less taxes and medical cost in case of Unit linked Policy.

As Policy document is the evidence of contract and it also mention about the beneficiary details, for all kind of benefit payments the policyholder has to submit the original policy document to the Insurer’s office. Moreover it is required for necessary endorsement related to Nomination, Assignment, mortgage etc. In case of lost policy, you have to apply to your Insurer for a duplicate policy.

If you are not satisfied with the terms & conditions of the Policy or the benefits which appears in the policy are not the same which was explained to you by the intermediary, you have an option to cancel the policy within 15 days from the date of receipt of Policy document ( free look period) & get back your money less the taxes and medical cost if any, borne by the Insurer in case of Non linked Policy & Fund value less taxes and medical cost in case of Unit linked Policy.

First Premium Receipt is an evidence of adjustment of premium & acceptance of risk but then once the Policy is issued which is the evidence of contract, FPR becomes irrelevant. But then it is always advisable to have FPR also along with Policy document which can be showed as a proof, in case the Policy document is lost.

As Policy document is the evidence of contract and it also mention about the beneficiary details, for all kind of benefit payments the policyholder has to submit the original policy document to the Insurer’s office. Moreover it is required for necessary endorsement related to Nomination, Assignment, mortgage etc. In case of lost policy, you have to apply to your Insurer for a duplicate policy.

You have to make a FIR with local PS giving reason of loss of Policy, since when it is noticed & simultaneously have to advertise in local Newspaper. Along with the copies of FIR & advertisement, you have to apply to the Insurer’s respective Branch office along with a nominal fees. If the Insurer is satisfied that the reason of loss is a genuine & there is no attempt of fraud, they will issue the Policy.

These requirements depend on the Sum Assured & left out period of the Policy term. Insurer may waive off these requirements. e.g, if SA is small or the duplicate policy request is in the last year of Policy period before maturity.

Age is extremely vital for acceptance of a Proposal. In case the age is not correct, it is immediately to be brought to the notice of Insurer for them to take a corrective action.

They may declare the Policy null & void i.e. Cancel the policy , may ask for medical check up or additional special reports, may revise the premium or alter the terms & conditions of the policy by offering alternate plan/term/SA or restrict the benefits.

See, under Non linked ( traditional ) policies, Insurer do allows grace period of 30 days for Annual/Half yearly/Quarterly mode of premium & 15 days for monthly mode of premium. If the premium is not paid even within grace period, the Policy lapses. Since you have not paid the premium since long it will depend on the current status of your Policy whether payment of back log premium is possible or not.

You can visit to the website of your Insurer for online services or call them on toll free number (IVRS i.e. voice call ) which is mentioned on the Policy document. After verifying your identity, they may share your Policy status.

Alternative is, please check the last premium due date paid. First unpaid premium will be Last due paid + Mode e.g, if Last premium paid is June 2015 & mode is yearly then FUP is June 2016. Since it is more than 1 month & grace period is over, it is a lapsed policy. But then since it is within 6 months, you can pay the arrear premium along with interest & a simple declaration of good health form. The Policy will be brought back to in force provided there is no adverse feature in your DGH. If there is any adverse feature, then Insurer may ask for medical report special report etc & decide accordingly.

Yes it can be revived under different scheme of revivals like Special revival scheme, Loan cum revival, Instalment cum revival & Survival cum revival scheme. But it can not be revived if the Policy is lapsed for more than 5 yrs.

In case of Non-linked ( Endowment) Policy, if the Premium is paid for at least 3 yrs & subsequent premium is not paid , the policy becomes paid up & the paid up value is payable on maturity or on death. The paid up policy will not participate into any further benefits. If it is Term or Risk Policy , the premium paid gets forfeited. In case of Unit linked Policy, the risk premium is adjusted out of fund value. Even though, the premium/contribution not paid, if the fund is sufficient to cover up Risk premium & other charges the Policy remains in force.

The paid up value is calculated as follows; PV = No of Yrs premium paid/No of yrs premium payable (PPT) * Sum Assured. Bonus, if any already vested will be attached is this.

Yes you can do that by surrendering the Policy applying to Insurer along with Original Policy document.

Surrender value will be a certain % of Paid up value. Depending on the time period of surrender from the date of commencement , the % will change. Within 1 st three yrs the % is nil. Higher the duration higher will be the % of SV factor. In case of Unit linked Policy, the surrender value is Fund value less surrender charges. However, surrender charges after 5 yrs of policy period is nil.

Nomination facilitates to receive death claim amount. In absence of nomination, the Insurer will go by the law of succession certificate or Probate of will if any. In case, you have someone who have insurable interest on you ( like wife, son, daughter, parents etc ), you can register nomination immediately to avoid legal complication which is time consuming at the same time cost bearing.

Other than Insurance Policy, you must be leaving behind other properties/assets of yours. In that case, Insurer will go by the Court verdict which will permit simultaneously for other properties/assets of yours.

Yes you can change nomination by sending a request letter to Insurer along with Original Policy document. Insurer will change the Nomination by an endorsement on Policy document.

Yes you can make multiple nomination.

Yes you can assign the policy if you are competent & have rights & title to deal with the policy.

You can assign the policy in favour of Insurer or Bank Against a loan or you can gift it to someone against some consideration which can be love, affection or monetary consideration.

If it is against a Loan favouring Insurer or Bank etc, where assignment is of conditional nature, you have to pay premium but claim benefits will go to the lender to adjust loan amount. If the assignment is absolute, then premium will be paid by the assignee & assignee or his survivor will be eligible for the claim benefits.

This is for information only Endowment type of Policy is eligible for loan. Therefore, TERM/Risk Policy, Unit linked Policy, Annuity Policies & even some endowment policies like Money back are not eligible for loan.

Eligible Loan amount is up to 90% of Paid up value inclusive of Bonus, if any at any point of time.

You can repay the Loan principal along with interest under half yearly mode of payment.

If you do not or can not repay the Loan principal , you can only pay the interest . But then, even if you can not pay interest but you continue paying regular premium, the outstanding Loan amount inclusive of interest will be adjusted out of final claim amount. if neither the regular premium nor the principal & interest are paid & if the outstanding Loan amount exceeds the paid up value, the Policy will be foreclosed ( force-surrendered).

If you see the Policy document date of maturity is mentioned in the schedule. Moreover, as a general practice, Insurer send intimation normally in advance of 2 months prior to maturity date.

Once, you receive the intimation, you need to sign the discharge voucher giving there in details of your Bank account for direct credit of amount. You also need to submit the Original Policy document along with signed discharge voucher to the Insurance office.

In a Money back Policy, there is a provision of instalment benefit payable at regular interval depending on the Term of the Policy. Amount of benefit per instalment is a certain % of Sum Insured which normally varies from 10% to 30%.

You are entitled to get Sum Insured +Bonus less the Instalment benefit already received on maturity date.

In case of your unfortunate death, your beneficiary will be eligible to receive full Sum Insured +Bonus up to the date of death without any adjustment of installment benefits already paid to you.

Normally, if the premium is not paid within grace period, policy lapses. But then, in this case, you will get full death benefit less the due premium amount & interest.

Some Insurer do consider these cases under concession claim. They honour the claim if death happens within 6 months / 1 year from the date of lapse provided the policy has run for atleast 3 yrs / 5 yrs respectively but after adjustment of due premium & interest from the claim amount.

If death happens within 2 yrs from the date of commencement of Policy, Insurer consider the case as Early claim & ask for additional information & investigate the case to justify there was no fraud. If they are satisfied, you can get the death benefit.

The following documents are required to be submitted to Insurer office. 1. Intimation of death from any one. 2. Death certificate in original 3. Original Policy document 4. Discharge form In addition may ask for Last Medical attendants report, hospital report, certificate of cremation or burial etc. if death is due to accident following additional documents will be required: 1. FIR 2. Panchnama of accident site 3. Police Final report 4. Post mortem report 5. Hospital reports

As per Indian Evidence Act, if a person is missing for more than 7 yrs, it is presumed as death. If the beneficiary represent the case to Court, the Judge may award a decree as presumption of death. But to be entitled for death benefit, the Policy premium should have been paid by the nominee/beneficiary till the date of Decree. However, Insurer may waive off the premium & consider the case.

Yes since he has died before maturity date, this will be considered as death claim & if ADB rider is there in the Policy, you will be entitled for twice the Sum Assured.

Death benefit will be Sum Assured + Bonus less O/S Loan amount for In force Policy or Paid up amount + added bonus, if any , less O/S Loan amount in case of Paid up Policy.

Please call the Insurer office & asked them to know the status of your claim stating the Policy No or Claim Acknowledgement No mentioned in Receipt. In case of genuine delay the Insurer will pay you interest @ 2% above Bank Interest Rate.

You can write to the Ombudsman office along with all correspondence & amp; documents. Ombudsman office details are mentioned at the bottom of the Policy document.

In a Unit linked Policy, the balance amount after adjusting Risk premium & amp; different charges out of Total premium paid get unitized & amp; the market value of the same reflects in Account balance.

Under a Unit linked Policy, normally the charges are Risk premium , Policy administration, Fund Switching Charge, Fund management fees. Beside this there are Surrender charges & Service Taxes.

Unit linked Policy is market-linked & the risk is borne by Policy holder. There is no guarantee of return.

It depends on the Policy condition but mostly the amount payable under a Unit linked Policy is Sum Insured or Fund value whichever is higher.

Unlike Traditional Policy where premium has to paid every year, in a Unit linked Policy even you can skip not paying annual premium. If premium is not paid no allocation of unit will be added to the Fund for that period but some units will be deducted for other charges in the policy. This is called Premium Holiday.

There are two type of Pension Policy 1. Deferred Pension Policy 2. Immediate Pension Policy Under a deferred Pension Policy, premium is paid till the term of the Policy & then the Pension payment starts thereafter. In many Policies Pension amount may be mentioned on the Policy itself else the Pension amount will depend on the accumulated value against premium paid & pension rate at that time. Under immediate Pension Plan, the pension amount depends on the purchase amount & type of pension selected.

If Policyholder dies during term of the Policy, the Sum Insured will be used to purchase pension as per pension type that will be selected by the nominee, provided the Policy was in force at the time of death.

Deductible or “excess” is the amount over and above, which the claim will be payable. There is a normal standard/compulsory excess for most vehicles ranging from Rs 50 for two-wheelers to Rs 500 for Private Cars and Commercial Vehicles which increases depending upon the cubic capacity/carrying capacity of the vehicle. However, in some cases the insurer may impose additional excess depending upon the age of the vehicle or if there is high frequency of claims.

Normally there are 6 type of Pension which are mentioned in the Policy document such as; a. Life Pension ceasing on death b. Life Pension with return of capital c. Joint Life Pension with 100% pension to the spouse d. Joint Life Pension with 50% pension to the spouse e. Pension certain for 5 yrs, 10yrs, 15 yrs, 20yrs & 25 yrs & Life thereafter f. Joint Life Pension with return of capital on death of 2 nd life.

See all Pension options are good but then depending on your future requirement, you can decide a particular option. However, the Pension amount will vary according to the choice of the Pension type. e.g. If someone does not have any dependant they normally prefer Life Pension here the Pension amount is highest. Alternately, if someone wants his spouse or dependant may need liquid cash in his absence they normally prefer Life Pension with return of cash. Or if someone thinks, in his absence his spouse should have a regular income during his/her lifetime then option c or d is preferable. Pension quantum is lowest in option “e” but then the Pension is guaranteed for the entire certain period so selected and then even thereafter if alive.

Once the full premium is paid till the Term & the Pension vest, you are entitled to get 1/3 rd of total value as commutation balance 2/3 rd will be used for Pension purchase. Under immediate Pension Plan, once pension starts you can’t withdraw cash.

If you are not satisfied with the terms & conditions of the Policy or the benefits which appears in the policy are not the same which was explained to you by the intermediary, you have an option to cancel the policy within 15 days from the date of receipt of Policy document ( free look period) & get back your money less the taxes and medical cost if any, borne by the Insurer in case of Non linked Policy & Fund value less taxes and medical cost in case of Unit linked Policy.

As Policy document is the evidence of contract and it also mention about the beneficiary details,for all kind of benefit payments the policyholder has to submit the original policy document to the Insurer’s office. Moreover it is required for necessary endorsement related to Nomination, Assignment, mortgage etc. In case of lost policy, you have to apply to your Insurer for a duplicate policy.

You have to make a FIR with local PS giving reason of loss of Policy, since when it is noticed & simultaneously have to advertise in local Newspaper. Along with the copies of FIR & advertisement, you have to apply to the Insurer’s respective Branch office along with a nominal fees. If the Insurer is satisfied that the reason of loss is a genuine & there is no attempt of fraud, they will issue the Policy.

These requirements depend on the Sum Assured & left out period of the Policy term. Insurer may waive off these requirements. e.g, if SA is small or the duplicate policy request is in the last year of Policy period before maturity.

All the information must match with your details in RC book including CC, make model, sub type, fuel type, seating capacity (very important) etc.

Points are: IDV is reduced by a minimum of 10% from last year, Vehicle Registration No. is correct; Premium is less than the last year (If you have not made any claim.) NCB (If applicable) is more than last year’s NCB. (Maximum 50%) Sometimes the Third Party insurance premium may get revised. This is very rare and it may cause the premium to go up.

Ideally the company that has a cashless tie-up with the widest network of service stations that you may visit in case of an accident. Secondly, the company which offers you the best rate without any excess on it. Above all, choose a company that has a good and fastest claim settling ratio and record.

The following information needs to be furnished while intimating a claim:  1 Name of Insured person who is sick or injured 2 Nature of Sickness/Accident 3 Contact Numbers 4 Policy Number (as reflecting on the Health Card) 5 Date & Time in case of accident, commencement date of symptom of disease in case of sickness 6 Location of accident

A. All the companies offer 1. Different discounts, 2. Different P.A. cover and 3. Different IDV. It is the reason of difference in premium amounts for all the insurance companies.  1. Different discount: - This mainly depends upon the claims experience of a particular company. If claims experience is good then they will offer higher discount and if claims experience is bad then less discounts are offered. 2. PA (Personal Accident): - PA cover premium will not differ from company to company but it is an optional cover you need to choose the amount how much you want to cover. Eg. One company will offer Rs. 100 as a premium and other company will offer Rs. 250 as a premium. 3. IDV: - Major factor influencing will be IDV. But be very careful, many companies reduce IDV a lot, reduced IDV means your premium will be reduced. Most important point here is at the time of claim insurance company will also have to pay less for your vehicle. (It should be reduced every year by 10% minimum to 20% maximum.) Always keep your IDV on higher side, it helps 1) During claims. 2) At the time of selling car.

If you don’t make any insurance claim on your vehicle then you are eligible for a No Claim Bonus (NCB). This is a discount on your premium for the coming year and is calculates as under: - 1st year – 0% in Own Damage premium amount 2nd year – 20% in Own Damage premium amount 3rd year – 25% in Own Damage premium amount 4th year – 35% in Own Damage premium amount 5th year – 45% in Own Damage premium amount 6th year – 50% in Own Damage premium amount

A Deduction for depreciation on various parts is calculated as under: - For all rubber/nylon/plastic parts/tyres/tubes, batteries & air bags – 50% For fibre glass components – 30% For all parts made of glass – 0% Rate of depreciation for all other parts including wooden parts will be as per age of the vehicle as follows; 7th month to 1st year – 5% 1st year to 2nd year – 10% 2nd year to 3rd year – 15% 3rd year to 4th year – 25% 4th year to 5th year – 35% 5th year to 10th year – 40% More than 10 year – 50%

Excess means the amount that will be deducted by the insurance company before making the payment to insured. There are two types of excesses. First one is compulsory which depends upon the C.C. (cubic capacity)of the vehicle and which cannot be removed from insurance policy. The second is a voluntary excess, which is given to you for reducing the premium in the policy. This is not a recommended option to avail, since it reduces the insurance claim payout if its needed. Never agree for higher excess.

Vehicle replacement cost or Vehicle repairing cost is paid if you have opted for this cover in your policy.

In case of an accident where the repair cost is more than 75% of car value (IDV), then insurance company will scrap the vehicle and pay the insurer the entire value of the vehicle.

If you have not reduced the car value every year minimum by 10% from last year’s IDV, then your insurance company will not pay the IDV. If you have increased the car value without any valid reason than also insurance company will not pay the entire IDV.

In case of an accident, third party property damage and third party life damage is compensated.

Nothing. If you have valid insurance documents then entire loss is paid by insurance company and you don’t have to spend a single penny from your pocket.

No. once you handover the court case and papers to insurance company then they take over the case. You may however need to go once to court.

No, not at all. The premium you pay covers for potential mistakes on your side.

Under third party cover there is a clause called Unnamed Passenger PA (personal accident) cover. If you have opted for this cover (which is available on extra premium of maximum Rs. 100/- per person for a coverage of Rs. 2,00,000/-) then there is compensation payable to the family members in case of death. There is no cost of medical bills or any expenses payable to the injured passengers. Currently there are no options (products) for getting this covered through vehicle insurance.

Yes. The entire expenses are paid under TP(Third Party) policy, if there is a police case, you don’t have to opt for any special policy. Unlimited medical expenses are paid under TP policy.

Entire IDV minus excess is paid.

If you have not reduced the car value every year minimum by 10% from last year’s IDV, then your insurance company will not pay the IDV. If you have increased the car value without any valid reason, then also insurance company will not pay the entire IDV.

Yes. If there is a theft and you make a claim, you lose the NCB.

There are lots of documents which have to be submitted in case of theft insurance. (Approximately number = 18). Post submission of all those documents, you will be required to submit a "Final Investigation Report (FIR)". This is usually issued by/from police station after approx 3 months of the theft. The claim is paid one month after the submission of the FIR.

There is no grace period in Motor insurance. The NCB savings will elapse after 3 months.

For third party it does not matter. But it’s mandatory for comprehensive insurance.

Yes. Your car carries the NCB; every company has to accept it.

When you sell your car, you have to submit Form 29 & 30 to insurance company, which has information about buyer and seller including their signatures. This verifies that you have sold your car. Company then issues a No Claim Bonus Certificate which can be used on your new car.

NO

It depends on a case to case basis. If a tree fell on the car and destroyed it, you can get full IDV back without an FIR.

Yes, you will be eligible for the claim even after the expiry of the policy date. This is because the event took place during the policy period.

In case you file a claim for any kind of damages during the insured period, at renewal, you will loose all the NCB that you have accrued over the years.

Kindly go through the list of garages where you can avail of the cashless service.

In the event of no claims, you would avail of the 'NO CLAIM' bonus, i.e., there would be a reduction of for payment of premium on renewal. If you do not make any claim over a period of time, a No Claim Bonus (NCB) is offered on renewals. This discount can go as high as 50%. However, if there is any claim, the discount (NCB) will be zero for the next renewal.

If there are any changes in the policy like change of address or modifications to the vehicle or its use, it will be done by an Endorsement by the insurance company. Submit a letter to the insurer with proof for the changes and obtain the endorsement. Some endorsements may require you to pay additional premium. Check the correctness of the endorsement.

As per Rule 141 of Central Motor Vehicle Rules 1989, a certificate of Insurance is to be issued only in Form 51. It is only in Motor Vehicle Insurance, apart from the policy, that a separate certificate of insurance is required to be issued by insurers. This document should always be carried in the vehicle. The policy should be preserved separately at home / office.

If a CNG / LPG kit is fitted in the vehicle, the (Road Transport Authority (RTA) office where the vehicle was registered should be informed so that they make a note of the change in the registration certificate (RC) of the vehicle. The insurance company should also be informed so that the kit is covered on payment of extra premium on the value of the kit under “OD” section and also under “LO” section.

Documents are : • Certificate of Insurance  • Xerox copy of Registration Certificate • Pollution Under Control Certificate • Photocopy of Driving Licence of person who is driving the vehicle

Yes, the insurance can be transferred to the buyer of the vehicle, provided the seller informs in writing of such transfer to the insurance company. A fresh proposal form needs to be filled in. There is a nominal fee charged for transfer of insurance along with pro-rata recovery of NCB from the date of transfer till policy expiry. It may be noted that transfer of ownership in comprehensive/package policies has to be recorded within 14 days from date of transfer failing which no claim will be payable for own damage to the vehicle.

No. Registration and insurance of the vehicle should always be in the same name with the same address. Otherwise the claim is not payable. A fresh proposal form needs to be filled in. There is a nominal fee charged for transfer of insurance.

Yes, please approach the same office, which had issued the policy, with a written request. A nominal fee is charged for issuing a duplicate policy copy.

A claim under a motor insurance policy could be ? For personal injury or property damage related to someone else. This person is called a third party in this context) or ? For damage to your own, insured, vehicle. This is called an own damage claim and you are eligible for this if you are holding what is known as a package or a comprehensive policy. Third Party Claim In a third party claim, where your vehicle is involved, it is important to ensure that the accident is reported immediately to the police as well as to the insurance company.  On the other hand, if you are a victim, that is, if somebody else’s vehicle was involved, you must obtain the insurance details of that vehicle and make an intimation to the insurer of that vehicle. Own Damage Claim In the event of an own damage claim, that is, where your own vehicle is damaged due to an accident, you must immediately inform insurance company and police, wherever required, to enable them to depute a surveyor to assess the loss. Do not attempt to move the vehicle from the accident spot without the permission of police and the insurance company.  Once you receive permission for removal of the vehicle and for repairs, you can do so.  If your policy provides for cashless service, which means you do not have to pay out of your pocket for covered damages, the insurance company will pay the workshop directly.  In either of these situations, you must intimate the insurance company immediately. Theft ClaimIf your vehicle is stolen, you must inform the police and the insurance company immediately. In addition you must keep the transport department also informed. As soon as you receive the policy document, read about the procedures and documentation requirements for claims rather than wait for a claim to arise.  If you have to make a claim, ensure that you collect all the required documents and submit them along with the requisite claim form duly filled in, to the insurance company.  There may be certain specific documentation requirements for specific types of claims. For instance in respect of a theft claim, there is a special requirement that you should surrender the vehicle keys to the insurance company.

Incidents such as "Third Party Property Damage", "Bodily Injury To Self or Third Party" or "Theft" should be reported to the nearest police station, under whose jurisdiction the incident has occurred.

If the person driving the vehicle is a valid license holder, the vehicle is insured for all the accidents that occurred due to the hazards specified. To insure the person driving the vehicle, who is not the owner, an additional personal accident cover has to be taken for unnamed passengers. For the owner-driver, the policy compulsorily has a personal accident cover, as per tariff.

If you have taken a comprehensive policy for your vehicle you are fully covered against all the hazards mentioned, irrespective of whether the other person has an insurance policy or not.

In case of own damages claim following documents are required: ? Claim form duly signed ? Valid R.C. copy of the vehicle ? Valid driving license copy ? Policy copy (First 2 pages only) ? FIR if required (For Theft, Third party Injury / Damage; Highway accidents-Major only). ? Original repair bill, proof of release and cash receipt.

If you have taken a comprehensive policy for your vehicle you are fully covered against all the hazards mentioned, irrespective of whether the other person has an insurance policy or not.

You can take super top up plan and increase your sum insured to desired level.

To obtain a visa for some countries, overseas travel insurance is compulsory.

Even where it is not, it is prudent to obtain a travel insurance policy when you are travelling on business or holiday or for education, research etc as medical treatment costs in many countries are much higher than what they are in India and are unaffordable.

In most cases it would be. Normally, such policies are meant for travellers who visit other countries on business or holiday or education or other purposes and not for those residing permanently abroad.

To obtain a visa for some countries, overseas travel insurance is compulsory.

Even where it is not, it is prudent to obtain a travel insurance policy when you are travelling on business or holiday or for education, research etc as medical treatment costs in many countries are much higher than what they are in India and are unaffordable.

In most cases it would be. Normally, such policies are meant for travellers who visit other countries on business or holiday or education or other purposes and not for those residing permanently abroad.

The Insurance is valid from the 1 st day of Insurance or date & time of departure from India whichever is later and expires on the last day of the number of days specified in the policy schedule or return to India whichever is earlier.

The Policy will be valid only if the journey commences within 14 days of issuance date of Policy.

There is an automatic extension of 7 days period without any charge, if necessitated by delay of public transport services beyond the control of insured person.

In case your travel doesn’t take off and you show proof of the same, policies would normally provide for premium refund subject to deductions towards administrative costs. Where travel is cut short, policies may or may not allow refund subject to certain conditions.

It covers the following benefits: 1. Medical expenses & repatriation 2. Personal Accident 3. Loss of checked Baggage 4. Delay of checked Baggage 5. Loss of Passport 6. Personal Liability

A. No, certain expenses are not covered as in below; 1. treatment that could reasonably be delayed until return to India 2. cosmetic surgery unless as a result of accident 3. routine physical examination 4. Pregnancy related expenses including childbirth, miscarriage, abortion or any complication.

Air transportation expenses or up to an equivalent amount for a local burial or cremation in the country where the death occurred.

No claim will be paid in cases: 1. Where the insured person is travelling against the advice of the Physician, is travelling to obtain medical treatment, is on waiting list for a medical treatment, has a terminal prognosis of a medical condition. 2. Suicide, attempted suicide, venereal disease, HIV etc 3. Arising due to taking part in Naval, Military, Air force operations, Aviation, Professional sports or hazardous sports.

Formalities for making a travel insurance claim A travel insurance policy is generally a package policy that includes different types of covers like hospitalisaiton, personal accident, loss/ damage to baggage, loss of passport and so on. The procedure and documents required for a claim would vary from cover to cover. All of them would be mentioned in your policy document.  For ease of procedure and your convenience, insurers normally attach the claim form with the policy document. This will contain the list of documents required in case of a claim and also the contact details including phone numbers of the claims administrator either in the destination country to which you are travelling or in another country that is designated  to receive and process your claim intimation.