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Travel Insurance


When you travel outside of the geographical area of Republic of India, you need a policy which will pay you in the currency of the country in which you are travelling for any accidental injuries or illness, sickness.Travel Insurance provides you and your family medical, financial and other assistance in case of an emergency or untoward circumstances while travelling on an International Trip.
No matter whether you are a business traveller or a leisure traveller: Overseas Travel Insurance protects you against medical emergency or an Accidentfrom unfortunate events such as:
a. Loss of Baggage
b. Loss of Wallet
c. Loss of Passport
d. Missed Flight
e. Medical Expense
f. Personal Accident
PLAN for Single Trip, Multiple Trips, Travelling excluding USA and Canada, worldwide coverage and also a Family Floater Plan with various Sum Insured options to choose from.
Travel Insurance policy is available for all ages between 6 months – 70 years.
The below mentioned factors affect the overseas travel insurance premium
a. Sum insured: Sum insured is the amount of money which is promised by the Insurer or the Insurance Company. Your Sum Insured helps in deciding your premium.
b. Type of insurance plan: Varieties of insurance plans are offered by the Insurance Company to suit your needs. You can choose travel insurance for individual, students or family as per your travel requirements.
c. Tenure of the trip: The duration of trip affects the amount of premium to be paid. The longer the trip, higher would be the premium. Similarly, shorter the trip, lesser would be the premium. It is advisable to go for a multi-trip policy, if you plan to go twice or thrice to the same or different place during the same year.
d. Health and Age of the insured: Most important factor affecting premium would be health and age of the insured. Younger the age, lower would be the premium in comparison to senior citizens.
Depending upon the country you visit different insurance company has different age bracket beyond which medical examination is compulsory. Or for any adverse medical history, you will have to submit medical reports irrespective of trip band or country to be visited.
a. Blood Sugar PP & Fasting
b. ECG report with tracing
c. Echo Cardiograph report
d. USG Whole Abdomen
e. Doctors certificate with all details of past ailment & present medication, if any doctor’s certificate for fitness to travel
In case the proposer is unable to submit the medical reports, the medical Sum Insured will be restricted to US$ 10,000 for all plans.
This policy does not cover pre-existing diseases. A ‘Pre-Existing Illness’ is one with which the person is already suffering from before he buys the policy
Foreign nationals working in India with Indian employers of multinational companies, getting salary in INR can be covered subject to verification of ID Card and Income Tax verification.
Extensions under the plan shall be provided, subject to the following:
• The original policy period has not expired
• There is no claim on the original policy
• Declaration of good health
• Extension can be effected only once on the policy
• Extension in days not to exceed 180 days
• The total extension including the original period should not exceed 360 days
• Extension premium has to be paid before actual extension is effected.
a. Single Trip Including USA/Canada (Worldwide) & Single Trip excluding USA/Canada:
The Policy may be extended maximum upto 180 Days. The total policy period including extension should not exceed 360 days.

b. Single Trip Asia excluding Japan:
The Policy may be extended maximum upto 30 Days. The total policy period including extension should not exceed 60 days.

c.Single Trip Family Floater excluding USA/Canada
The Policy may be extended maximum upto 60 Days. The total policy period including extension should not exceed 120 days
Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, belgium, Luxemburg, Netherlands.
The policy may be cancelled via request on EmailThe intimation of policy cancellation has to reach Insurance Company latest upto 14 days from the inception date of the policy. If the policy has already incepted, a copy of all 40 pages of the passport needs to be submitted as a proof that the journey has not been undertaken. Cancellation charges of Rs. 250/- shall be applicable and the balance shall be refunded.
No refund is allowed for an early return to India.
Except in the case of Hospitalization, claims are settled once the Insured is back in India
Yes, passport loss is covered in the policy. It is covered under the benefit of ‘Loss of Baggage and Personal Documents’. The assistance provider helps in contacting the consular authorities in case of the loss or theft of an Insured Person’s passport, and arranging for its replacement.
The Company shall not be liable to pay any benefit in respect of loss of cash, bank or currency notes, cheques, debit or credit cards.
This benefit will reimburse the Insured Person the cost of replacement of the articles if the Checked in baggage or Personal documents are permanently damaged or lost.
This benefit will reimburse the Insured Person the cost for the purchase of necessary personal effects like toiletries, clothing, medication etc. while the delay beyond 24 hours of checked baggage has occurred.
If the Common Carrier in which the insured Person is aboard is hijacked, the Insurance company agrees to pay to the compensation for every six (6) continuous hours in excess of the Deductible.
Emergency Medical Expenses includes ambulance service (to or from the Hospital).
Emergency Medical Evacuation means arrangement for transportation required to move an insured to the nearest hospital.
Medical Repatriation means arrangement for transportation required to move an insured to his/her country of residence following an emergency.

Reg. Office : B-711, Mondeal Heights, Next to Hotel Novotel, S.G. Highway, Satellite, Ahmedabad 380015 Gujarat -India
IRDAI Direct Insurance Registration No. 639 - Valid till 06th March, 2024
Contact No. +91 9727227797 ; E mail: info@arron.in
Tollfree : 1800123000044
Principal Officer : Mr. Ramesh K. Patel ; E mail : rameshpatel@arron.in

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