Travel Insurance

• Accident Any unplanned mishap that happens due to no fault of the insured or others. It could lead to injury or a fatality.
• Act of Terrorism Any act of violence from an individual attempting to gain control of or overthrow a government that leads to major damage or loss of life.
• Common Carrier Any commercial individual or organisation that deals in the movement of people and goods from one place to another, such as a commercial airline.
• Condition Precedent A condition upon which the insurance provider agrees to provide cover.
• Congenital Anomaly Any condition that is present in the insured individual since birth and is considered to be abnormal in structure, form or position.
• Deductible A deductible is a small amount that the insured individual is required to pay every time they file a claim against their international student travel insurance policy.
• Disease/Illness Any pathological condition that impairs your body’s normal physiological functions. For cover, the disease or illness should show first signs or symptoms while the policy is in effect and should require medical treatment.
• Educational Institution A school, vocational institute, college, polytechnic, university or institute of higher learning that has the license to provide educational services by trained or qualified teachers and where the inured individual is a full-time student.
• Equipment Failure A sudden or unforeseen breakdown of the common carrier’s equipment, which results in a delay or interruption of the insured’s scheduled trip.
• Free Look Period A period of 15 days, from the day the insured receives the policy documents for a student travel insurance policy. During this time, the insured can look over the documents and choose to cancel the policy without incurring substantial cancellation charges.
• Grace Period A specific period of time, immediately following the premium due date, during which the insured can still pay the premium and continue to enjoy continuity benefits of getting cover.
• Hospitalisation Any instance in which the insured individual has to be admitted into a hospital for a minimum of 24 hours to receive treatment.
• Immediate Family Member An immediate family member refers to the insured’s legal spouse, siblings, siblings-in-law, legal children, parents, parents-in-law, legal guardian, and step-parents who reside in India.
• Inclement Weather Severe weather conditions, such as storms, that delay the scheduled arrivals or departures of common carriers.
• Inpatient/Inpatient Care Any treatment for which an individual needs to stay in a hospital for over 24 hours for a covered event.
• Insured Journey This refers to any trip that the insured individual takes within the policy term. It commences once the individual boards the aircraft for an onward journey and expires on their arrival back to their city or town of residence or when the policy is set to expire – whichever is earlier.
• Insured Period(s) This refers to the period of time, starting with the effective date and ending with the end date declared in the policy documents, during which the insured individual can get cover for their travel.
• Insured Person The individual, who is a permanent resident of India, and has purchased a travel insurance policy from us.
• Land/Sea Arrangements All pre-paid travel arrangements made for a scheduled trip or cruise for which insurance has been purchased and is arranged by a tour operator, travel agent, cruise line or other organisation.
• Medical Advise A consultation or advice received from a medical practitioner, including the issue of any prescriptions.
• Medical Expenses Expenses that the insured individual has incurred due to an illness or required medical treatment on the advice of a qualified medical practitioner.
  • Medically Necessary Any treatments, tests or hospital stays that are required for the medical management of an illness on the advice of a qualified medical practitioner.
  • Nervous Disorder A central nervous system disorder that requires the insured person to incur certain covered medical expenses.
  • Notification of Claim The process by which the insured individual informs the insurance provider or their TPA that they require to make a claim against the policy.
  • Pre-Existing Condition Any ailment, injury or related condition for which you have been diagnosed or had symptoms of or received treatment for in the 48 months prior to the date when the trip is scheduled to start.
  • Professional Sports Any sport that the insured plays for which they receive remuneration that makes up 50% or more of their livelihood.
  • Reasonable Additional Expense Expenses for services or supplies that are absolutely necessary due to an illness or injury.
  • Reasonable and Customary Charges Standard charges for services or supplies that the insured is required to pay to get the required help or treatment.
  • Room Rent The amount that a hospital or medical facility charges per day for an individual to occupy a bed.
  • Single Trip Insurance A single given trip that is specified on the policy schedule with a beginning date and an expiration date.
  • Scheduled Airline Any civilian aircraft that is operated by a civilian air carrier that holds a valid certificate, license or similar authorisation from the country’s aircraft registry. The airline must carry out all operations in accordance with the country’s rules and regulations.
  • Serious Injury or Sickness Any injury that a qualified physician declares to be dangerous to the insured’s life.
  • Sickness Any illness that first showed symptoms or was contracted after the policy has come into effect.
  • Sound Natural Teeth Natural teeth that have not been altered in any way or simply restored to their normal function. The restored teeth should be disease- and decay-free and should not be more susceptible to injury or damage than unaltered natural teeth.
  • Sponsor The individual responsible for paying the tuition fee for the insured individual while they are studying at an educational institution outside their home country.
  • Strike Labour disagreements that end up interfering with the normal arrivals and departures of common carriers as per the definitions offered by the authorities of each respective country.
  • Subrogation Any situation in which the insurance provider, on behalf of the insured individual, takes legal action against a third party that caused injury or loss to the insured.
  • Sub-limits Sub-limit refers to the maximum amount that the insured individual will receive for any particular claim as per the amounts provided in the policy schedule. For certain claims, there is no sub-limit and the maximum sum insured can be paid.
  • Sum Insured The maximum amount of coverage your international student travel insurance provider will have to pay in case of various injuries or loss.
  • Travelling Companion Refers to two named individuals who are booked to travel along with the insured on the trip.
  • Trip Any insured journey that the insured individual takes during the course of the policy term. The journey must start and end in India and should be to a destination outside of India.
  • Tuition All legally required registration fees charged by an accredited educational institution for the required courses and any laboratory or extra-curricular course fee as well. This does not include the costs associated with purchasing text books, learning materials or boarding and lodging.
  • Unproven/Experimental Treatment that does not have an established medical practice, including drug experimental therapy.
  • Accidental Death and Dismemberment Any accident that causes the loss of life, sight, or limbs while travelling.
  • Accommodation It refers to any establishment that charges a fee for temporary overnight housing and requires bookings.
  • Pandemic An outbreak of an infectious disease or illness that spreads swiftly and extensively and is classified by the CDC (Centers for Disease Control and Prevention).
  • Coverage Period The total length of time that a travel policy will cover you during a trip
  • Premium It is the sum of money that an insured individual must pay to the insurance company in exchange for the insurance policy. The premium cost varies based on the insurance coverage you select. It is worth noting that choosing a greater deductible may decrease your monthly payments, but the quality of protection will be lesser, and you may be exposed to higher charges in the event of an accident.
  • Reimbursement The amount of money that an insurance company will pay you for medical treatment or hospital fees that you have previously spent is referred to as reimbursement or compensation.
  • Policyholder The policyholder, often known as the policy owner, is the individual who purchases the insurance policy and pays the premiums. The insured may or may not be the policy owner. For example, Kritika is free to purchase an insurance policy for her husband Swapnil; in such an instance, Kritika is the policyholder and her husband is the insured party, meaning he's the only one who would get benefits under the terms of the policy.
  • Foreseeable Event It is one that was reasonably anticipated prior to the purchase of the plan. When it is feasible for persons heading to a region to be aware of an occurrence, it becomes predictable. For example, if the airline you're travelling with declares a strike, the event becomes predictable after they make the announcement.
  • Physician It is defined as a person who is licenced as a medical doctor by the jurisdiction in which he or she resides and who practises the healing arts. They must be practising within the extent of their licensure for the service or treatment provided and cannot be you, a travelling companion, or a family member.
  • Trip CostIt refers to the costs of your travel arrangements that you paid before leaving on your trip and would be lost if your trip was cancelled. This covers flights, cruises, lodgings, excursions, entertainment, and other fees that you may incur if you are unable to travel.
  • Maximum Policy CoverageThe maximum amount of compensation that will be paid for expenditures covered by a policy.

*T&C -
Should be admitted in Network Hospitals
Add-ond - Covers under Schengen Travel Insurance with additional premium.
The above cover are for Travel Guard Plus