Overseas Family Travel Insurance Features

Eligibility

For all ages between 6 months – 60 years. Max age of the eldest family member allowed is 60 years. Individual Policy needs to be issued for persons over 60 years.

Policy Duration

Covers trips from as short as 7 days to max of 182 days.

Policy Maximum (Coverage Amount)

Various coverage options are offered in the range of US$ 10,000 to US$ 250,000. Coverage option for US$ 10,000 is only available for Asia Plans.

Max Trip per Policy

Only Single trip per policy period is covered.

Children

Up to 4 children can be covered. Max Age of the child allowed is 21 years.

Pre-existing diseases

Pre-existing ailments and maternity are generally excluded. There are few companies which provide coverage in case of life-threatening situations i.e. until the insured's heath is stable.

Deductible/Policy Excess

There is a Deductible/Policy Excess of US$ 50-100 depending upon the plans. This implies for any claim the first US $50-100 are to be borne by the insured.

Additional Coverage

Coverage includes Dental Treatment, Medical Evacuation, Repatriation, Baggage Loss/Delay, Trip Cancellation and Interruption, etc.

Medical Check-up

No Medical check-up is required.

Renewal

Policy can be renewed if there is no claim in the expiring policy.

Premium

One Premium for the entire family and is calculated based upon your destination, Coverage Amount, Age of the eldest member and duration of Trip.

Exclusions

General Physical Checkup, pre-existing conditions, Vision (Eye Test, Eye Glasses, and Contact Lens), Pregnancy and Prenatal Care is not covered by any of the Plan. Besides these, there could be other exclusions which are mentioned in the policy wordings.

Claim

In order to make a claim, you need to contact the Insurer or Third Party Administrator (TPA) of the Insurance Company, which has tie-ups with network hospitals worldwide. TPA information is provided in the Insurance policy.