Annual Multi-Trip Travel Insurance Plan

With annual multi-trip travel insurance, you enjoy a flexible protection for all your trips abroad during a year. The coverage offered with this policy is similar to that of a single-trip travel insurance plan. However, it minimizes the hassle of buying travel insurance for every trip separately. What's more? Switching to annual multi-trip travel insurance is much more economical and will save you an amount of up to Rs. 3400



Total loss of checked baggage-Maximum amount payable per checked in baggage in case more than one bag has been checked in is 50% (100% for only one checked in baggage) of applicable sum insured and per item in baggage max 10%.

What does the policy cover?
Frequent flyers, with our annual multi trip travel insurance policy you are insured for all of the following things while you're travelling

Accidental bodily injury during the trip

Acute anesthetic treatment of teeth due to an injury

Emergency expenses made for medical evacuation to India

Insurance against burglary in your home, while you are travelling abroad

Special distress allowance if your plane is hijacked for more than 12 hours

Cost of obtaining a fresh or duplicate passport in case of a lost passport

Facility to provide you emergency cash in case you lose travel funds due
to theft

Expenses incurred if you miss a connecting flight due to a delay of more than 3 hours

Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier

Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters

Emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness, injury or death

Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise

Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters

If your checked baggage is delayed more than 12 hours, your essential expenses shall be reimbursed. In case of total loss of baggage by the common carrier, we will provide compensation for the same

Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalized for more than 7 days

Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property

What does the policy not cover?
We have tried and made sure you get the maximum benefits with our travel insurance, unfortunately, you're not covered under the annual multi trip annual travel insurance for the following while you're off discovering the world

Pre-existing medical conditions, unless it's a life threatening condition

Life threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people up to 70 years of age. Customers need to declare all pre-existing diseases while taking the policy.

Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered.

Expenses incurred due to any of the following conditions:
Suicide
Self-inflicted injuries or illnesses
Mental disorder
Anxiety, stress or depression
Venereal diseases
Alcohol/drug abuse
HIV/AIDS

Expenses incurred if you're.
Traveling against the advice of physician and have to be hospitalized
Receiving or are on a waiting list for specified medical treatment
Travelling to receive treatment abroad
Have been given terminal prognosis for a medical condition

Any issues faced due to theft or loss of passport when left unattended or if you don't report the loss to local police authorities

In case of loss of checked baggage, no partial loss or damage shall become payable

War or nuclear threat in the country where you're travelling

Any emergency financial assistance claims made after you've returned to India

Want to extend your trip? Take a look at this
If your holiday is extended for any reason, we recommend that you extend your travel insurance policy.