Insurance FAQs
	1. What is Travel Insurance?   Travel Insurance is a cover for the risks that you may face on your trip. Generally, life, limb, health and belongings are covered. 2. Why do you need Travel Insurance?   • We strongly recommend Travel Insurance as a protection from unforeseen incidents, which can cause a great financial drain.   • Medical Emergencies can be costly… Unforeseen situations can be very unsettling, disruptive and even expensive...   • Travel Insurance will cover you for medical and travel inconveniences, is there to provide support in your time of need, bringing timely relief and saving you from financial devastation...   • Truly a small investment for protection from the worst... 3. What does a standard travel policy cover?   A Standard Travel Policy would cover   • Death.   • Personal Accident.   • Medical Expenses.   • Repatriation/Evacuation.   • Loss/Delay of Checked Baggage.   • Passport Loss.   • Third Party Liabilities. 4. What do more advanced policies cover?   More advanced plans cover the following, apart from those covered by standard policies.   • Bounced Hotel or Air Bookings.   • Hijacking.   • Emergency Cash Advance.   • Golfer's Hole in One.   • Missed Connections or Departures.   • Trip Cancellation.   • Trip Curtailment.   • Hospitalization Daily Allowance.   • Home Burglary Insurance. 5. What is the cost of travel insurance? How is the premium determined?   The cost and premium of travel insurance is dependent on several factors - age, duration of travel, countries to be covered and benefits included in the plan. 6. What is a 'Deductible'? All Travel Insurance policies carry a deductible for several covered features. This is the amount that you would have to bear. The insurer will pay any amount in excess of this. 7. When travelling, what insurance information must I keep handy?   • Carry your policy and the attached terms and conditions. We recommend maintaining online copies, and copies back home for easy access in emergencies.   • Insurers Help Line Number (the local representative and the support in India). 8. What is the Claim Procedure in case of medical emergencies? You must be aware of the conditions specified for filing for claims. The following is the basic standard procedure.   • Call the Help Line Number.   • In case of 'Health Cashless Claim', go to the nearest cashless hospital. The Insurers representative will settle the claim directly with the hospital.   • In case of 'Reimburse Health Claim', you will have to pay the hospital bill and get it reimbursed by your insurer. 9. What is the Claim Procedure in case of non-medical claims? You must be aware of the conditions specified for filing for claims. The following is the basic standard procedure, and will vary depending on the nature of your claim.   • Call the Help Line Number.   • You will have to furnish the requisite proof to get compensation.   • Fill in the claim form and submit it with the other documents required.   • The insurer will arrange for inspection of the damaged items to assess the loss. For major losses, a specialist-licensed surveyor is deputed.   • You must provide the required documents to substantiate the extent of loss.   • In case the cause of loss is not established, you must prove that the loss or damage has occurred due to an insured peril. 10. For settling claims, what must be remembered?   • On agreement of claim amount between you and the insurer, the claim is settled.   • The 'Average Clause' is as per the Terms and Conditions of the Policy.   • Excess as stated, as per the Policy Terms and Conditions will be deducted from the claim payable.   • You must submit your claim within 30 days after the completion of treatment.   • In event of death, this must be submitted after the repatriation of the persons remains or burial. 11. What are the emergency contact details of the travel insurance providers?   • Bajaj Allianz     Phone : +91-11-5189 8862     E-Mail Id : delhi.bajajallainz@internationalsos.com     Toll Free Numbers in several countries indicated in the policy.   • Oriental Insurance Company     Coris International     (Major Medical Hospitalization for Cashless Hospitalization)     Toll Free No. (within USA) : +1-877-536 7264     Fax No. : +1-305-698 0176     E Mail Id. : assistance@corisamerica.com     Toll Free No. (within EUROPE) : 800-41-414444     Toll Free No. (outside EUROPE) : +33-141-612307     Fax No. : +33-143-52 0133     E Mail Id. : ops@coris.fr     Coris Heritage Health Services India Pvt. Ltd., Mumbai     (Minor Claims including Medical Assistance, Loss/Delay of Baggage, Personal Accident, Loss of Passport, Trip Cancellation, Trip Curtailment, Missed Connection & other claims)     Tel. No. : +91-22-6654 7960/61/65/67 (24x7 Assistance)     Fax No. : +91-22-6654 6812     E Mail Id. : heritagehealth@vsnl.net