Get your traveller's insurance online with thomascook.co.in

Our TravelCare insurance products are high on service excellence with world-wide coverage and great value for money. Choose from our range of TravelCare coverage plans and policies:

• TravelCare Classic
• TravelCare Executive
• TravelCare Premium
• TravelCare Annual Multitrip

Click here to download our TravelCare brochure (650 kb).

This insurance plan is best suited for Indian residents travelling abroad. In some countries it is compulsory for visitors to have a medical insurance cover. This plan is ideally suitable for such set of customers travelling abroad on a short span of trip.

Policy Features:

• Medical Cover: The policy basically provides cover for medical expenses upto USD 50,000 to the insured during his / her stay abroad.
• Emergency Medical Evacuation: In the event that the insured suffers from injury or illness which necessitates your emergency medical evacuation, ISOS( International Security Overseas Services.) will arrange for the evacuation and pay for the expenses incurred.
• Repatriation of Remains: If the remains or the body have to be sent back to the home country due to the death of the insured the expenses incurred for the same are taken care off under this feature.
• Accidental death and dismemberment (24 hours): Takes care of death or disablement of the insured due to an accident caused during his / her stay abroad.
• Checked-in Baggage Loss: Provides for total loss of checked baggage by a common carrier, upto a specified limit.
• Baggage Delay: Provides for delay of checked baggage by a common carrier, upto a specified limit.
• Loss of Passport: In the event of insured losing his passport this section provides for the expenses incurred in getting a duplicate passport.
• Personal Liability Benefit: Covers you for any liability upto a limit of 100,000 while you are travelling
• Automatic Extension of the policy upto 7 days : Automatic extension of the period of the policy is granted upto a period of 7 Days from the policy expiry date, if the extension is necessary due to delay by the scheduled airlines, which is beyond the control of the insured, and no alternative air transportation is made available to the insured
• Trip Curtailment : This feature covers the expenses reasonably incurred by the insured person who is not been able to continue or complete his / her trip due to medical or compassionate reasons.
• Emergency Cash Advance : The assisstance company will arrange for cash payments to the insured through a variety of sources including Credit Cards / Hotels / Banks / Consulates.
• Sickness Dental Relief : If the insured person has to incur any expense in relation to his dental treatment the amount will be reimbursed to him.

Benefits:

• Direct Settlement for In - Hospital Medical Expenses abroad
• No Medical Tests Requirement
• Settlement of claim within 7 days after completion of the claims procedure
• Issuance of policy within minutes
• Covers persons in the range of 6 months - 70 Years
• Covers Trip duration from 1 - 180 Days
• Medical Emergency Assistance
• Arrangement of Hospital admissions
• Arrangement for Emergency Medical Evacuation andamp; Repatriation
• Emergency Travel Services
• Embassy Referral Services
• Claims Procedures Information Services

Requirements:

• Payment of the policy before the issuance of the same.
• In case of the proposer being hypertensive, ECG reports from a cardiologist should be filed and basing on the same, the pre - existing condition may be excluded from the scope of benefits.

Recommendations:

• It is mandatory in some Western countries for you to be covered by a Health Insurance Policy. In its absence, you may run the risk of repatriation or quarantining in the airport itself.
• Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
• For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.

This policy is specifically designed for Indian residents travelling abroad. In some countries it is compulsory for visitors to have a medical insurance cover. This plan is recommended for the persons between the age group of 56 to70 years. This plan provides coverage upto USD 200,000 with additional benefits such as Automatic Extension of the Policy upto 7 days, Trip Cancellation and Trip Curtailment, Emergency Cash Advance Sickness Dental Relief ,Personal Liability, Home Burglary Insurance, Hijack cover, Bail Bond etc.

Sailent Features:

• Medical Cover: Provides cover for medical expenses upto USD 2,00,000 of the insured during his / her stay abroad.
• Personal Liability: Covers the liability of insured while abroad, arising out of death or injury of third party or damage to the property of third party upto USD 1,00,000.
• Emergency Medical Evacuation: In the event that you suffer from injury or illness which necessitates your emergency medical evacuation, ISOS ( International Security Overseas Services.) will arrange for the evacuation and pay for the expenses incurred.
• Repatriation of Remains: If the remains or the body has to be sent back to the home country due to the death of the insured the expenses incurred for the same are taken care of under this feature.
• Accidental death and dismemberment (24 hours): Takes care of death or disablement of the insured due to an accident caused during his / her stay abroad.
• Accidental death and dismemberment (Common Carrier): Takes care of death or disablement of the insured due to an accident abroad in any mode of public transport ( i.e. bus , train. Etc. which is used by the local residents as the means of transport in their day to day life.)
• Baggage Loss (Checked): Provides for total loss of checked baggage by a common carrier, upto a specified limit.
• Baggage Delay: Provides for delay of checked baggage by a common carrier, upto a specified limit.
• Loss of Passport: In the event of the insured losing his passport this feature covers for the expenses incurred in getting a duplicate passport.
• Hijack: Provides an allowance, in the event of carrier in which insured is travelling gets hijacked.
• Bail Bond: Provides with the bail bond cost which the insured incurs as a result of false arrest or wrongful detention by any government or foreign power.
• Home Burglary Insurance: Provides for the loss and damage caused by Burglary or attempted Burglary of the contents of the insured home in while he is on a trip abroad.
• Automatic Extension of the policy upto 7 days : Automatic extension of the period of the policy is granted upto a period of 7 Days from the policy expiry date, if the extension is necessary due to delay by the scheduled airlines, which is beyond the control of the insured, and no alternative air transportation is made available to the insured.
• Trip Cancellation : This feature covers the re-imbursements of the deposits made for the travel arrangements prior to the Contracted Departure Date. If the insured is prevented from taking a trip due to Medical or compassionate reasons.
• Trip Curtailment : This feature covers the expenses reasonably incurred by the insured person who is not been able to continue or complete his / her trip due to medical or compassionate reasons.
• Emergency Cash Advance : The assisstance company will arrange for cash payments to the insured through a variety of sources including Credit Cards / Hotels / Banks / Consulates.
• Sickness Dental Relief. : If the insured person has to incur any expense in relation to his dental treatment the amount will be reimbursed to him.

Benefits:

• No Medical Tests Required
• Settlement of claim within 7 days after completion of the claims procedure.
• Issuance of policy within minutes.
• Covers persons in the range of 6 months - 70 Yrs.
• Covers Trip duration from 1 - 180 Days.
• Medical Emergency Assistance.
• Direct Settlement for In - Hospital Medical Expenses abroad.
• Arrangement of Hospital admissions.
• Arrangement for Emergency Medical Evacuation & Repatriation.
• Emergency Travel Services.
• Embassy Referral Services.
• Claims Procedures Information Services.

Requirements:

• Payment of the policy before the issuance of the same.
• In case of the proposer being hypertensive, ECG reports from a cardiologist should be filed and basing on the same, the pre - existing condition may be excluded from the scope of benefits.

Recommendations:

• It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
• Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
• For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.

This policy is suitable for any Indian resident travelling abroad. In some countries it is compulsory for visitors to have a medical insurance cover. This plan provides coverage upto USD 5,00,000 with additional benefits such as In Hospital Indemnity, Trip Delay, Automatic of the policy upto 7 days, Trip Cancellation , Trip Curtailment , Emergency Cash Advance, Sickness Dental Relief, Personal Liability, Home Burglary Insurance, Hijack cover, Bail Bond etc.

Policy Features:

• Medical Cover: The policy basically provides cover for medical expenses upto USD 5,00,000 of the insured during his / her stay abroad.
• Personal Liability: This feature covers the liability of insured while abroad, arising out of death or injury of third party or damage to the property of third party upto USD 2,00,000.
• Emergency Medical Evacuation: In the event that you suffer from injury or illness which necessitates your emergency medical evacuation, ISOS will arrange for the evacuation and pay for the expenses incurred.
• Repatriation of Remains: If the remains or the body has to be sent back to the home country due to the death of the insured the expenses incurred for the same are taken care off under this feature.
• Accidental death and dismemberment (24 hours): This feature takes care of death or disablement of the insured due to an accident abroad.
• Accidental death and dismemberment (Common Carrier): This feature takes care of death or disablement of the insured due to an accident abroad in any mode of public transport ( i.e. bus , train. Etc. which is used by the local residents as the means of transport in their day to day life.)
• Baggage Loss (Checked): This feature provides for total loss of checked baggage by a common carrier, upto a specified limit.
• Baggage Delay: This feature provides for delay of checked baggage by a common carrier, upto a specified limit.
• Loss of Passport: In the event of insured losing his passport this section provides for the expenses incurred in getting a duplicate passport.
• Hijack: This cover provides an allowance, in the event of carrier in which insured is travelling gets hijacked.
• Trip Delay: This cover provides you with reasonable additional expenses for Trip Delay if your trip is delayed for more than 12 hours due to a covered hazard.
• Bail Bond: This cover will provide with the bail bond cost which the insured incurs as a result of false arrest or wrongful detention by any government or foreign power.
• Home Burglary Insurance: This cover will provide for the loss and damage caused by Burglary or attempted Burglary of the contents of the insured home in ndia while he is on a trip abroad.
• Automatic Extension of the policy upto 7 days : Automatic extension of the period of the policy is granted upto a period of 7 Days from the policy expiry date, if the extension is necessary due to delay by the scheduled airlines, which is beyond the control of the insured, and no alternative air transportation is made available to the insured.
• Trip Cancellation : This feature covers the re-imbursements of the deposits made for the travel arrangements prior to the Contracted Departure Date. If the insured is prevented from taking a trip due to Medical or compassionate reasons.
• Trip Curtailment : This feature covers the expenses reasonably incurred by the insured person who is not been able to continue or complete his / her trip due to medical or compassionate reasons.
• Emergency Cash Advance : The assisstance company will arrange for cash payments to the insured through a variety of sources including Credit Cards / Hotels / Banks / Consulates.
• Sickness Dental Relief : If the insured person has to incur any expense in relation to his dental treatment the amount will be reimbursed to him.
• In Hospital Indemnity : This is in case the insured person is a patient and would like to avail of the facility of service that is outside the purview of the hospital e.g. if the patient does not like the food that is provided by the hospital then he can purchase the food from outside.

Benefits:

• No Medical Tests Requirement.
• Settlement of claim within 7 days after completion of the claims procedure.
• Issuance of policy within minutes.
• Covers persons in the range of 6 months - 70 Yrs.
• Covers Trip duration from 1 - 180 Days.
• Medical Emergency Assistance.
• Direct Settlement for In - Hospital Medical expenses abroad.
• Arrangement of Hospital admissions.
• Arrangement for Emergency Medical Evacuation & Repatriation.
• Emergency Travel Services.
• Embassy Referral Services.
• Claims Procedures Information Services.

Requirements:

• Payment of the policy before the issuance of the same.
• In case of the proposer being hypertensive, ECG reports from a cardiologist should be filed and basing on the same, the pre - existing condition may be excluded from the scope of benefits.

Recommendations:

• It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
• Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
• For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.
• Besides, the foreign currency allowances allowed by the host Country can be conserved as the premium is paid in Rupees in home country.
• The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals.

This policy is suitable for any Indian resident frequently travelling abroad in a year. This plan is recommended for the persons travelling for various business purposes more than one time in a year between the age group of 6 months to 70 years. The plan provides coverage upto USD 250,000 with additional benefits such as In Hospital Indemnity, Trip Delay, Automatic extension of the policy upto 7 days, Trip Cancellation , Trip Curtailment, Emergency Cash Advance, Sickness Dental Relief, Personal Liability, Home Burglary Insurance, Hijack cover.

Salient Features:

• Medical Cover : The policy basically provides cover for medical expenses upto USD 2,50,000 of the insured during his / her stay abroad.
• Personal Liability : This feature covers the liability of insured while abroad, arising out of death or injury of third party or damage to the property of third party upto USD 2,00,000.
• Emergency Medical Evacuation : In the event that you suffer from injury or illness which necessitates your emergency medical evacuation, ISOS will arrange for the evacuation and pay for the expenses incurred.
• Repatriation of Remains : If the remains or the body has to be sent back to the home country due to the death of the insured the expenses incurred for the same are taken care off under this feature.
• Accidental death and dismemberment (24 hours) : This feature takes care of death or disablement of the insured due to an accident abroad.
• Baggage Loss (Checked) : This feature provides for total loss of checked baggage by a common carrier, upto a specified limit.
• Baggage Delay : This feature provides for delay of checked baggage by a common carrier, upto a specified limit.
• Loss of Passport : In the event of insured losing his passport this section provides for the expenses incurred in getting a duplicate passport.
• Hijack : This cover provides an allowance, in the event of carrier in which insured is travelling gets hijacked.
• Trip Delay : This cover provides you with reasonable additional expenses for Trip Delay if your trip is delayed for more than 12 hours due to a covered hazard.
• Bail Bond : This cover will provide with the bail bond cost which the insured incurs as a result of false arrest or wrongful detention by any government or foreign power.
• Home Burglary Insurance : This cover will provide for the loss and damage caused by Burglary or attempted Burglary of the contents of the insured home in India while he is on a trip abroad.
• In Hospital Indemnity : The insured will get a daily allowance for each day he is in patient in a hospital due to injury or sickness.
• Automatic Extension of the policy upto 7 days : Automatic extension of the period of the policy is granted upto a period of 7 Days from the policy expiry date, if the extension is necessary due to delay by the scheduled airlines, which is beyond the control of the insured, and no alternative air transportation is made available to the insured.
• Trip Cancellation : This feature covers the re-imbursements of the deposits made for the travel arrangements prior to the Contracted Departure Date. If the insured is prevented from taking a trip due to Medical or compassionate reasons.
• Trip Curtailment : This feature covers the expenses reasonably incurred by the insured person who is not been able to continue or complete his / her trip due to medical or compassionate reasons.
• Emergency Cash Advance : The assisstance company will arrange for cash payments to the insured through a variety of sources including Credit Cards / Hotels / Banks / Consulates.
• Sickness Dental Relief : If the insured person has to incur any expense in relation to his dental treatment the amount will be reimbursed to him.

Benefits:

• No Medical Tests Requirement.
• Settlement of claim within 7 days after completion of the claims procedure.
• Issuance of policy within minutes.
• Covers persons in the range of 18 Years - 70 Years.
• Covers Trip duration from 1 - 30 Days or 1- 45 Days for every single trip.
• Medical Emergency Assistance.
• Direct Settlement for In - Hospital Medical expenses abroad.
• Arrangement of Hospital admissions.
• Arrangement for Emergency Medical Evacuation & Repatriation.
• Emergency Travel Services.
• Embassy Referral Services.
• Claims Procedures Information Services.

Requirements:

• Payment of the policy before the issuance of the same.

Recommendations:

• It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
• Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
• For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.
• Besides, the foreign currency allowances allowed by the host Country can be conserved as the premium is paid in Rupees in home country.
• The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals.

Spread your wings. We have you covered.

As you prepare to travel abroad to study, you're beginning an exciting new chapter of your life. But wait. Every journey comes with its share of unexpected surprises, and not all of them are pleasant. Are you prepared for everything?

You can relax - With Thomas Cook's ScholarCare, help in a foreign land is just a phone call away. Be it hospitalisation or any other crisis, our timely assistance will always be close at hand.

• ScholarCare Classic
• ScholarCare Executive
• ScholarCare Premium

Click here to download our ScholarCare brochure (176 kb).

This policy is designed for Indian resident students travelling abroad for higher education. In some Universities the Insurance premium is included in tuition fees and this plan is best suited for the student who wants to avail of the many benefits this policy offers beyond hospitalisation benefits.

Policy Features:

• Study Interruption: If you are unable to continue your school semester due to serious medical or compassionate reasons, we will reimburse you the tuition fee paid in advance for the current semester.
• Sponsor Protection: In the event of accidental death or permanent disablement of your sponsor, you will be reimbursed the remaining school fees up to the maximum limit shown in the Schedule of Benefits.
• Compassionate Visit (2-way)
• • Visit by Family Member: If you are hospitalized for more than seven (7) consecutive days, we will cover the cost of a round-trip economy class air ticket and accommodation expense for an immediate family member to be at your bedside.
  • Visit by Student: In the event of death or hospitalization of your parent(s)/spouse/children) for more than seven (7) consecutive days, we will cover the cost of a round -trip economy class air ticket if you are required to return to your home country.
• Personal Accident: AIG Overseas Student Assist provides world-wide coverage against Accidental Death and Permanent Disablement whilst you are studying abroad, on vacation anywhere in the world or even when you are back in your home country.
• Emergency Medical Evacuation: In the event that you suffer from injury or illness which necessitates your emergency medical evacuation, ISOS will arrange for the evacuation and pay for the expenses incurred.
• Repatriation of Remains: In the unfortunate event of your death during your stay overseas, ISOS will arrange and pay for all reasonable covered expenses incurred in returning your remains to your home country.
• Felonious Assault: You will be covered in the event that you suffer accidental death or disablement as a result of events such as robbery, felonious assault or any criminal act of violence directed at you. This benefit is payable in addition to the Accidental Death and Disablement cover.
• Lost Luggage: You will be covered for accidental loss or damage to your checked in luggage wherever you travel
• Personal Liability Abroad: You will be covered against liability to third parties or damage to their property caused by his/her negligence.

Benefits:

• No Medical Tests Requirement.
• Settlement of claim within 7 days after completion of the claims procedure.
• Issuance of policy within minutes.
• Covers persons in the range of 16 years - 70 years.
• Covers Trip duration from 1 - 365 Days.
• Medical Emergency Assistance.
• Direct Settlement for In-Hospital Medical expenses abroad.
• Arrangement of Hospital admissions.
• Arrangement for Emergency Medical Evacuation & Repatriation.
• Emergency Travel Services.
• Embassy Referral Services.
• Claims Procedures Information Services.

Requirements:

• Payment of the policy before the issuance of the same

Recommendations :

• It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
• Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
• For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.
• Besides, the foreign currency allowances allowed by the host Country can be conserved as the premium is paid in Rupees in home country.
• The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals.

This policy is designed for Indian resident students travelling abroad for higher education. In some Universities the Insurance premium is included in tuition fees and this plan is best suited for the student who wants to avail of the many benefits this policy offers beyond hospitalisation benefits.

Policy Features:

• Study Interruption: If you are unable to continue your school semester due to serious medical or compassionate reasons, we will reimburse you the tuition fee paid in advance for the current semester.
• Sponsor Protection: In the event of accidental death or permanent disablement of your sponsor, you will be reimbursed the remaining school fees up to the maximum limit shown in the Schedule of Benefits.
• Compassionate Visit (2-way)
• Visit by Family Member: If you are hospitalized for more than seven (7) consecutive days, we will cover the cost of a round-trip economy class air ticket and accommodation expense for an immediate family member to be at your bedside.
• Visit by Student: In the event of death or hospitalization of your parent(s)/spouse/children) for more than seven (7) consecutive days, we will cover the cost of a round -trip economy class air ticket if you are required to return to your home country.
• Personal Accident: AIG Overseas Student Assist provides world-wide coverage against Accidental Death and Permanent Disablement whilst you are studying abroad, on vacation anywhere in the world or even when you are back in your home country.
• Emergency Medical Evacuation: In the event that you suffer from injury or illness which necessitates your emergency medical evacuation, ISOS will arrange for the evacuation and pay for the expenses incurred.
• Repatriation of Remains: In the unfortunate event of your death during your stay overseas, ISOS will arrange and pay for all reasonable covered expenses incurred in returning your remains to your home country.
• Felonious Assault: You will be covered in the event that you suffer accidental death or disablement as a result of events such as robbery, felonious assault or any criminal act of violence directed at you. This benefit is payable in addition to the Accidental Death and Disablement cover.
• Lost Luggage: You will be covered for accidental loss or damage to your checked in luggage wherever you travel
• Personal Liability Abroad: You will be covered against liability to third parties or damage to their property caused by his/her negligence.
• Medical Expenses for Accident and Sickness: In addition to the Core Benefits described above, you have the flexibility to include an optional medical plan that covers both outpatient and hospitalization medical expenses for Sickness and Accident.

Benefits:

• No Medical Tests Requirement.
• Settlement of claim within 7 days after completion of the claims procedure.
• Issuance of policy within minutes.
• Covers persons in the range of 16 years - 70 years.
• Covers Trip duration from 1 - 365 Days.
• Medical Emergency Assistance.
• Direct Settlement for In - Hospital Medical Expenses abroad.
• Arrangement of Hospital admissions.
• Arrangement for Emergency Medical Evacuation & Repatriation.
• Emergency Travel Services.
• Embassy Referral Services.
• Claims Procedures Information Services.

Requirements:

• Payment of the policy before the issuance of the same.

Recommendations:

• It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
• Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
• For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.
• Besides, the foreign currency allowances allowed by the host Country can be conserved as the premium is paid in Rupees in home country.
• The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals.

This policy is designed for Indian resident students travelling abroad for higher education. In some Universities the Insurance premium is included in tuition fees and this plan is best suited for the student who wants to avail of the many benefits this policy offers beyond hospitalisation benefits.

Salient Features:

• Study Interruption: If you are unable to continue your school semester due to serious medical or compassionate reasons, we will reimburse you the tuition fee paid in advance for the current semester.
• Sponsor Protection: In the event of accidental death or permanent disablement of your sponsor, you will be reimbursed the remaining school fees up to the maximum limit shown in the Schedule of Benefits.
• Compassionate Visit (2-way)
• • Visit by Family Member: If you are hospitalized for more than seven (7) consecutive days , we will cover the cost of a round-trip economy class air ticket and accommodation expenses for an immediate family member to be at your bedside.
  • Visit by Student: In the event of death or hospitalization of your parent(s)/spouse/children) for more than seven (7) consecutive days, we will cover the cost of a round -trip economy class air ticket if you are required to return to your home country.
• Personal Accident: AIG Overseas Student Assist provides world-wide coverage against Accidental Death and Permanent Disablement whilst you are studying abroad, on vacation anywhere in the world or even when you are back in your home country.
• Emergency Medical Evacuation: In the event that you suffer from injury or illness which necessitates your emergency medical evacuation, ISOS will arrange for the evacuation and pay for the expenses incurred.
• Repatriation of Remains: In the unfortunate event of your death during your stay overseas, ISOS will arrange and pay for all reasonable covered expenses incurred in returning your remains to your home country.
• Felonious Assault: You will be covered in the event that you suffer accidental death or disablement as a result of events such as robbery, felonious assault or any criminal act of violence directed at you. This benefit is payable in addition to the Accidental Death and Disablement cover.
• Lost Luggage: You will be covered for accidental loss or damage to your checked in luggage wherever you travel
• Personal Liability Abroad: You will be covered against liability to third parties or damage to their property caused by his/her negligence.
• Medical Expenses for Accident and Sickness: In addition to the Core Benefits described above, you have the flexibility to include an optional medical plan that covers both outpatient and hospitalization medical expenses for Sickness and Accident.

Benefits:

• No Medical Tests Requirement.
• Settlement of claim within 7 days after completion of the claims procedure.
• Issuance of policy within minutes.
• Covers persons in the range of 16 years - 70 years.
• Covers Trip duration from 1 - 365 Days.
• Medical Emergency Assistance.
• Direct Settlement for In - Hospital Medical expenses abroad.
• Arrangement of Hospital admissions.
• Arrangement for Emergency Medical Evacuation & Repatriation.
• Emergency Travel Services.
• Embassy Referral Services.
• Claims Procedures Information Services.

Requirements:

• Payment of the policy before the issuance of the same.

Recommendations:

• It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
• Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
• For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.
• Besides, the foreign currency allowances allowed by the host Country can be conserved as the premium is paid in Rupees in home country.
• The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals

This policy is designed to meet the needs of any resident Indian family travelling abroad. In some countries it is compulsory for visitors to have a medical insurance cover. This plan is recommended for the families travelling abroad basically on a holiday. This plan provides coverage of upto USD 50,000 for each immediate family member and is more cost effective than a single trip policy.

Salient Features:

• Medical Cover: The policy basically provides cover for medical expenses for the entire family as a floater(overall cover).
• Personal Liability: This feature covers the liability of insured while abroad, arising out of death or injury of third party or damage to the property of third party upto USD 50,000.
• Emergency Medical Evacuation: In the event that you suffer from injury or illness which necessitates your emergency medical evacuation, ISOS will arrange for the evacuation and pay for the expenses incurred.
• Repatriation of Remains: If the remains or the body has to be sent back to the home country due to the death of the insured the expenses incurred for the same are taken care off under this feature.
• Accidental death and dismemberment (24 hours): This feature takes care of death or disablement of the insured due to an accident abroad.
• Loss of Passport: In the event of insured losing his passport this section provides for the expenses incurred in getting a duplicate passport.
• Bail Bond: This cover will provide with the bail bond cost which the insured incurs as a result of false arrest or wrongful detention by any government or foreign power.
• Home Burglary Insurance: This cover will provide for the loss and damage caused by Burglary or attempted Burglary of the contents of the insured home in India while he is on a trip abroad.

Benefits:

• No Medical Tests Requirement
• Settlement of claim within 7 days after completion of the claims procedure
• Issuance of policy within minutes
• Covers persons in the range of 6 months - 70 Yrs
• Covers Trip duration from 1 - 30 Days
• Medical Emergency Assistance
• Direct Settlement for In - Hospital Medical expenses abroad
• Arrangement of Hospital admissions
• Arrangement for Emergency Medical Evacuation & Repatriation
• Emergency Travel Services
• Embassy Referral Services
• Claims Procedures Information Services

Requirements:

• Payment of the policy before the issuance of the same

Recommendations:

• It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.
• Medical treatment is expensive overseas and can become a major financial problem in case of any emergency / accident.
• For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is reimbursed.
• Besides, the foreign currency allowances allowed by the host Country can be conserved as the premium is paid in Rupees in home country.
• The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals.

CorporateCare is specially designed for corporate travellers. In this case, your company purchases insurance for the total number of man-days that employees will be travelling abroad for.

Unique Benefits of CorporateCare:

• Covers all employees eliminating the need for individual cover
• Customised to the specific needs of your company
• No medical tests required
• Settlement of claims within seven days
• Save up to 25% on your existing Insurance costs
• Reverse cancellation
• Flexibility in policy administration
• Allows corporations to issue their own Insurance Policies

Standard Plans:

• Emergency medical assistance
• Direct Settlement for in-hospital medical expenses abroad
• Arrangement of hospital admissions
• Arrangement for emergency medical evacuation & repatriation
• Emergency travel services
• Embassy referral services
• Information services for claims procedures

Requirements:

• Total number of employees travelling abroad
• Total number of travel days exhausted in a year
• Average age of employees travelling abroad
• Average duration of a trip
• Approximate travel pattern

Recommendations:

• It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself

Policy Features:

• Study Interruption: We'll reimburse tuition fee paid in advance for the current semester if your studies are interrupted due to medical or compassionate reasons.
• Sponsor Protection: In case of death or permanent disablement of your sponsor, we'll reimburse your remaining school fees up to a specified maximum limit.
• Accident Medical Expenses: On accidental injury, we'll reimburse your actual hospitalisation cost or outpatient treatment incurred overseas, within 90 days from the date of the accident, up to a specified maximum limit.
• Compassionate Visit (2-Way): If you are hospitalized for more than seven consecutive days, we'll cover the cost of the round trip economy class air ticket and accommodation expenses so an immediate family member can be with you.
• Visit by student: In case of death or hospitalization of parent (s) / spouse / child (ren) for more than seven consecutive days, we'll cover the cost of the round trip economy class air ticket.
• Personal Accident: Student Guard gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.

Additional Features:

• 24 hrs. Worldwide Emergency Assistance Service
• Emergency Medical Evacuation
• Repatriation of remains
• Felonious assault
• Lost luggage
• Personal Liability abroad
• Accident and Sickness Medical Reimbursement

Benefits:

Policy Features:

• Coverage of Medical Expenses: Travel Guard takes care of your medical expenses due to accident and sickness while traveling so that you can concentrate on better things like enjoying the holiday.
• Checked Baggage Loss: Compensation for the loss of checked-in baggage.
• Baggage delay: Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
• Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.
• Personal Liability: Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.
• Hijacking: In an unfortunate event of your common carrier in which you are traveling; being hijacked, this product will pay a distress allowance to you.
• In-hospital Indemnity: Travel Guard pays a Daily benefit for each day you are an inpatient in a hospital due to injury or sickness.
• Trip Delay: Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).
• Automatic-extension of the policy: Travel Guard allows you to extend your policy up to a period of 7 days from the policy expiry date.
• Personal Accident: Travel Guard gives you worldwide coverage against Accidental Death and Dismemberment while you're abroad anywhere in the world.
• Sickness Dental Relief: The policy pays for immediate Dental Treatment occurring due to sudden acute pain during the course of an overseas Insured Journey. Dental benefits will be provided for Medically Necessary filling of the tooth or surgical treatment, services, or supplies

Assistance Services:

AIG Assist (US and Canada) and ISOS (Rest of World) are available round the clock for any assistance:
• Pre-departure services - information about foreign locations, passport / visa requirements, immunization requirements etc
• Emergency Travel Agency - provides with 24 hour travel agency service for airline and hotel reservations.
• Medical Assistance - Assistance service in contacting the medical facility where you are located and determine the next course of action. Assistance Company will also recommend or assist in securing the availability of services of local Physician and arranging medical services.
• Medical Evacuation and Repatriation - In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of your condition. Travel Guard also provides for repatriation of remains in case of unfortunate death of the insured while overseas.
• Lost travel documents assistance
• Emergency Message transmission services
• Embassy referral services
• Claims procedures Information services

Additional Features (with Family Option)

• Automatic Extension of policy
• Emergency Cash advance
• No medical examinations up to the age 70 years.

Benefits

Benefits	Single Trip			Annual Multi Trip
fig in $	Silver	Gold	Platinum	Gold	Platinum
	(Including and Excluding the Americas)			(Worldwide)
Accidental Death and Dismemberment Benefit (24 Hrs)	10000	15000	25000	15000	25000
Accidental Death and Dismemberment Benefit (Common Carrier)	N/A	5000	5000	5000	5000
Accident and Sickness Medical Expense Reimbursement	50000	200000	500000	250000	500000
Deductible	100	100	100	100	100
Sickness Dental Relief	300	400	500	400	500
Deductible	150	150		150	150
Emergency Medical Evacuation Benefit	Included*	Included*	Included*	Included*	Included*
Repatriation of Remains Benefit Included*	Included*	Included*	Included*	Included*	Included*
Baggage Delay Benefit (After first 12 hrs.)	50	100	200	100	200
Checked Baggage Loss Benefit	500	1000	1000	1000	1000
Loss of Passport Benefit	250	250	250	250	250
Deductible	30	30	30	30	30
Personal Liability Benefit	100000	200000	200000	200000	200000
Deductible	200	200	200	200	200
Trip Delay Benefit	NA	Included*	Included*	Included*	Included*
Deductible	NA	12 hrs, 10$ per 12 hrs	12 hrs, 10$ per 12 hrs	12 hrs, 10$ per 12 hrs	12 hrs, 10$ per 12 hrs
Maximum	NA	$100	$100	$100	$100
Hijacking Benefit	NA	Included*	Included*	Included*	Included*
Deductible	NA	1 day, 100$ per day and Max 500$	1 day, 100$ per day and Max 500$	1 day, 100$ per day and Max 500$	1 day, 100$ per day and Max 500$
In - Hospital Indemnity Benefit	NA	NA	NA	Included*	Included*
Deductible	NA	NA	NA	1 day,15$ per day and Max 150$	1 day,15$ per day and Max 150$
Automatic extension of policy upto 7 days	Available	Available	Available	Available	Available
Emergency cash advance	500	1000	1500	1000	1500

Following Max.eligible exp.per Sickness or Disease are applicable to Insured Persons Aged 56-70, regardless of the plan / option purchased.

Hospital Room and Board and Hospital miscellaneous	Max 1,500 per day upto 30 days whichever is less.
Intensive Care Unit	Max 3,000 per day upto 7 days whichever is less.
Surgical Treatment	Max 10,000
Anesthetist Services	Upto 25% of Surgical Treatment
Physician's Visit	Max 75 per Day upto 10 visits
Diagnostic and Pre-Admission Testing	Max 500
Ambulance Services	Max 400

* Included under Accident and Sickness Medical Expenses Reimbursement

Policy Features:

• Personal Accident: 24-hr personal accident cover upto US$ 15,000.
• Medical Expenses Cover: Reimbursement of medical expenses due to accident and sickness.
• Emergency Medical Evacuation and Repatriation: In the event of a medical emergency, we will arrange for the evacuation and transportation to move an ill or injured traveler to another location where appropriate. Policy provides for repatriation of remains in case of unfortunate death of the insured while on trip.
• Checked Baggage Loss: Compensation for the loss of checked in baggage.
• Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.
• Checked Baggage Delay: Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival checked in baggage, whilst overseas.
• Personal Liability: Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

Additional Features:

• Medical Services provider referral
• Arrangement of hospital admissions
• Lost luggage assistance
• Emergency Travel Services
• Embassy referral services
• Claims procedure information services
+ Sublimits Applicable for age 56-70 yrs. * Hospital Room, Boarding and Hosp. Misc: Max 1500$ per day 30 days whichever is less* ICU: Max 3000$ per day upto 7 days which ever is less* Surgical Treatment: Maximum 10,000$ Anesthetist Services: Upto 25% of surgical treatment * physician's visit: Max $75 perday upto 10 visit. * Diagnostic and Preadmission testing: Max 500$ * Ambulance Services: Max 400$ Please refer policy document for other Assistance Services.

Benefits:

Countries Covered :

Afghanistan, Armenia, Azerbaijan, Bahrain, Bangladesh, Bhutan, Brunei, Burma ( Myanmar), Cambodia, China, Hongkong, Indonesia, Iran, Isreal, Jordan, kazakistan, Kuwait, Kyrgysztan, Laos, Lebanon, Malaysia, Maldives, Mangolia, Nepal, Oman, Pakistan, Phillippines, Qatar, Saudi Arabia, Singapore, Sri Lanka, Syria, Taiwan, Tajikistan, Thailand, Turkey, Turkmenistan, UAE, Uzbekistan, Vietnam, yemen.

Traveling to new locations is always exciting, whether it is domestic or international. However niggling concerns such as flight delays, baggage loss, ticket loss etc. eventually end up spoiling the complete experience. Tata AIG introduces the right product for you - Domestic Travel Guard - a unique travel insurance product for travel anywhere within India. With this extra precautionary measure by your side, enjoy complete peace of mind for all anxieties on your trip. Domestic Travel Guard also offers many unique benefits such as family transportation cover in case of emergencies, lost ticket reimbursements, missed departure compensations, personal liability coverage abd personal accident insurance. So the next time you are traveling, ensure that you leave behind your worries and enjoy every moment of the trip.

Additional Features:

• 24 hrs. Worldwide Emergency Assistance Service
• Emergency Medical Evacuation
• Repatriation of remains
• Personal Liability

Benefits: