Unique 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 travelling; 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 upto a period of 7 days from the policy expiry date.

Personal Accident: TravelGuard 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 & 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 & 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

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

* Included under Accident & Sickness Medical Expenses Reimbursement

Premium Rates

*premium (Rs) inclusive of 12.24% service tax

Exclusions

You are not covered if any expenses incurred directly or indirectly in respect of: traveling against the advice of the physician; for obtaining treatment; pre-existing ailments & complications arising out of them; Suicide or attempted suicide; war; terrorism; illegal acts; dangerous sports etc For other exclusions please refer to the policy wordings

The coverage, terms & exclusions have been outlined briefly; kindly refer the policy wordings for complete details