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This policy covers persons whilst on a tour or a pilgrimage.Groups of individuals who go on study tour educational trips or pilgrimage. Educational institutions tour operators travel agents clubs.
We Cover
This policy covers persons whilst on a tour or a pilgrimage.Groups of individuals who go on study tour educational trips or pilgrimage. Educational institutions tour operators travel agents clubs associations etc. who arrange tours picnics yatras etc can avail this cover for persons going on tour.
What is insured
Death or disablement ( Permanent Total or Permanent Partial ) due to accident hospitalization expenses.
additional expenses towards alternative travel arrangement due to detour or cancellation caused by accident to carrying vehicle / train and c) loss / damage to baggage whilst on tour.
WHAT WILL POLICY PAY AND HOW MUCH?
Policy will pay as per below:
BASIC COVER :
Death PTD 100 % Capital Sum Insured ( CSI ).
Loss of one limb or one eye 50% of Capital Sum Insured.
Permanent Partial disablement varying percentages of CSI as per policy.
EXTENSIONS :
Following covered at an additional premium
Medical expenses incurred up to 25% of claim or 10 % of sum insured which ever is lower Loss / damage to accompanied baggage subject to limits of Rs. 1 0 or Rs. 2 0 (depending on CSI chosen).
Additional expenses incurred towards alternative travel arrangement on account of detour / cancellation subject to a limit of Rs. 1 0 or Rs. 2 0 (depending on CSI chosen) - if detour arises by loss / damage to mode of transport by Act of God.
WHAT IS NOT INSURED
Compensation under more than one clause for same period of disability.
Any payment after admission of a claim for 50% / 100% of CSI
Any claim in the same period of insurance exceeding the CSI
Suicide attempt there at VD Criminal breach of law influence of liquor / drugs.
Pregnancy related claim
War and nuclear perils
Loss / damage due to cracking scratching depreciation wear and tear
Loss / damage to money / securities manuscripts documents.
