Travel Insurance - Detailed Disclosures
1. Product & UIN Disclosure
This page relates to travel insurance products under:
IndusInd Travel Care Policy – UIN: RELTIOP08002V010708
Product variants may include:
Individual & Family Plans
Asia Plan
Schengen Plan
Annual Multi Trip Plan
Student Plan
Senior Citizen Plan
Platinum / Silver / Basic variants
Coverage availability depends on the specific product, plan and geographical region selected.
2. Coverage Aggregation Disclaimer (Important)
Benefits described across the website may not be available under all travel insurance variants.
Coverage, sub-limits, deductibles, exclusions and eligibility criteria vary depending on:
Plan selected
Geographical region
Age of insured
Trip duration
Coverage opted
Policy schedule
The final scope of coverage applicable to an insured person shall be as specified in the policy schedule and wording.
3. Premium Disclosure
Premium illustrations displayed on the website are indicative and exclude applicable taxes (e.g., GST), unless stated otherwise.
Premium varies based on:
Age of insured
Destination
Trip duration
Sum insured selected
Plan variant
Add-ons (if any)
Underwriting assessment
Applicable regulatory guidelines
Actual premium payable will be determined at the time of quote generation.
Risk cover commences only upon receipt of premium in accordance with Section 64VB of the Insurance Act, 1938.
Premium illustrations are periodically reviewed and may be updated without prior notice.
4. Premium Illustrations Used on Website
Examples used on the website include:
Asia Plan (Starting premium of ₹306): $25,000 medical sum insured for a 20-year-old individual travelling for 4 days (premium excluding taxes)
Schengen Plan (Startign premium of ₹: EUR 30,000 medical sum insured for a 26-year-old individual travelling for 7 days (premium excluding taxes)
Annual Multi Trip Plan: $1,00,000 medical sum insured for a 20-year-old individual for 30 days per trip (excluding USA & Canada)
Student Plan: Basic Student Plan premium for a 20-year-old individual travelling for 30 days
These illustrations:
Apply only to the specified configuration
May not apply to other ages, destinations, or durations
Exclude applicable taxes
Do not represent guaranteed premium for all customers
5. Sum Insured Disclosure
The Sum Insured mentioned on the website is applicable only under specific plan variants (e.g., Platinum Plan).
The Sum Insured represents the maximum limit up to which the benefit under a specific section becomes payable.
Sub-limits may apply within each coverage section.
6. Baggage Benefit Limitation
For Total Loss of Checked-in Baggage:
Maximum amount payable per checked-in baggage (where more than one bag is checked in) is 50% of the applicable Sum Insured
Where only one checked-in baggage is declared, maximum payable may be up to 100% of the applicable Sum Insured
Maximum payable per item in baggage is 10% of the applicable Sum Insured
Claims are subject to documentation requirements and airline confirmation.
7. Geographical Applicability
Coverage is subject to the geographical region selected.
Certain plans may exclude specific regions (e.g., USA & Canada under select Annual Multi Trip variants).
Schengen plans are structured to meet visa requirements for Schengen countries.
Policy validity is restricted to the geographical limits mentioned in the policy document.
8. Student Plan Specific Conditions
The Basic Student Plan may be applicable only for students travelling to certain universities where local medical cover requirements apply.
Coverage and eligibility vary based on plan selected and host country requirements.
9. Medical & Pre-Existing Conditions
The policy does not cover claims arising from:
Travelling against medical advice
Travelling for the purpose of obtaining medical treatment
Terminal illness or conditions with known adverse prognosis
Pre-existing diseases and complications arising therefrom, unless specifically covered
Medical coverage is subject to disclosure of accurate health information at the time of purchase.
Non-disclosure or misrepresentation may result in claim denial.
10. Trip Cancellation, Interruption & Visa Rejection
Trip cancellation, interruption, delay or visa rejection benefits (where available) are payable only if the triggering event falls within covered causes defined in the policy wording.
Visa rejection coverage does not apply in cases of incomplete documentation, prior visa rejection history or failure to meet embassy requirements unless specifically covered.
11. Activities & Occupation Limitations
Unless specifically covered under the selected plan, claims arising from the following may not be payable:
Professional or competitive sports
Adventure or hazardous activities (including but not limited to mountaineering, scuba diving, skydiving, bungee jumping, winter sports, motor racing, white-water rafting and similar activities)
Manual labour or hazardous occupations
Operating aircraft or serving as crew member
Refer to policy wording for complete exclusions.
12. War, Civil Disturbance & Criminal Acts
The policy does not cover claims directly or indirectly arising from:
War, invasion, civil war, rebellion or military action
Participation in riots or civil commotion
Commission or attempted commission of criminal acts
13. Non-Medical & Non-Admissible Expenses
Non-medical expenses are not covered unless specifically included under the selected plan.
Sub-limits, deductibles and section-specific caps may apply.
14. Customer Count Disclosure
Customer count data (FY24) is derived from internal records and IRDAI-reported data for lives insured and policies issued across applicable lines of business.
Figures may include individual and group policies.
15. Prohibition of Rebates
In accordance with Section 41 of the Insurance Act, 1938 (as amended), no person shall offer or accept any rebate of premium except as permitted under applicable regulations.
16. Privacy & Data Usage
Personal information provided during policy purchase or claim processing will be used in accordance with the Company’s Privacy Policy for underwriting, assistance coordination and claims administration.
17. Grievance Redressal
Grievance redressal procedures are governed by applicable IRDAI regulations. Customers may refer to the Grievance Redressal section of the website for details.
18. Governing Clause
Website content is for informational purposes only. In case of any inconsistency between website content and the policy document, the policy wording shall prevail.
Insurance products are subject to underwriting and regulatory guidelines.
Insurance is the subject matter of solicitation.
Download our IndusInd General Insurance App now!