Star Health and Allied Insurance Co. Ltd. Star Corporate Travel Protect Insurance.

Star Health and Allied Insurance Co. Ltd.

Star Corporate Travel Protect Insurance


Who can benefit from this Policy?

All Corporate Executives residing in India aged between 18 and 70 years traveling abroad on Business purposes can take this Insurance.


Coverage When you travel abroad on Business or Holiday our Star

Travel protect policy provides you for• Emergency medical expenses whilst on Travel / stay

abroad.

• Emergency Medical Transportation to Republic of India

• Transportation of mortal remains

• Any Dental emergency Expenses following an Accident

• Compensation following Accidental Injuries

• Cost of loss of traveler’s checked in baggage

• Reasonable Expenses incurred for obtaining New Passport.


Coverage (Contd.)• Flight Delay.

• Expenses relating to travel and accommodation incurred due to Missed Departure / Connection.

• Expenses on Emergency purchases of consumables due to any delay in handing over your checked in baggage by the carrier for more than 12 hours.

• Any travel expenses incurred in sending a substitute employee following the covered sickness / accidental injuries of the insured employee.

• Any Legal Liability that may be fastened upon you, if you cause any bodily injury or property damage to any third party.

• Hijack distress.


Medical Examination If the medical history as revealed in the proposal is

adverse

• ECG• Fasting & Postprandial Blood Sugar• Cholesterol Profile and • Urine Strip test plan reports • Cholesterol Profile reports duly certified by an M.D. with

specialisation in Cardiology, are required to be submitted along with the proposal.


Plan Options

1. Travel World Wide Including USA and Canada

2. Days Option – • Annual Policy with maximum coverage of 180 days

with each trip not exceeding 30 Days per trip

• Annual Policy with maximum coverage of 180 days with each trip not exceeding 45 Days per trip


Sum Insured Options

The following Sum Insured options are available

• USD 100,000

• USD 250,000

• USD 500,000


Sum Insured &

Trip band

Age Band

18 years to 40 years 41 years to 60 years 61 years to 70 years

USD 100000

30 Days Trip Band 3229 4541 11256

45 Days Trip Band 4354 5621 14214

USD 250000

30 Days Trip Band 3488 4691 11672

45 Days Trip Band 4365 5974 15486

USD 500000

30 Days Trip Band 4584 6642 14327

45 Days Trip Band 5391 7525 18745

Premium figures are in Rupees and inclusive of S.Tax

Premium Rating


Coverage Limits

Sum Insured

Sections

USD 100000 USD 250000 USD 500000

Coverage Deductible Coverage Deductible Coverage Deductible

Section 1

Emergency Medical Expenses (M1)

100000 100 250000 100 500000 100

Emergency Medical Transportation Expenses (M4)

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Repatriation of Mortal Remains (M3) Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Included in M1

Section 2

Dental Emergency Assistance (M2) 200 25 250 25 300 25

Section 3

Personal Accident (A1) 10000 NA 15000 NA 30000 NA

Section 4

Loss of Checked In Baggage (T1)(Per Baggage maximum 50% incase of more than one Baggage) 750 NA 1000 NA 1000 NA

Section 5

Loss of Passport (T2) 200 25 250 15 250 15

figures are in USD


Coverage Limits (contd.)

Sum Insured

Sections

USD 100000 USD 250000 USD 500000

Coverage Deductible Coverage Deductible Coverage Deductible

Section 6

Delay of Checked In Baggage (T3) 100 12 Hrs 100 12 Hrs 200 12 Hrs

Section 7

Flight Delay (T4) NA NA 250 25 300 25

Section 8

Missed Departure Connection (T5) NA NA 200 NA 300 NA

Section 9

Hijack Distress (T7) 200 12 Hrs 200 12 Hrs 200 12 Hrs

Section 10

Personal Liability (L1) 25000 NA 25000 NA 50000 NA

Section 11

Deputation of Substitute Employee (T8) NA NA 2000 NA 3000 NA


Extension of Trip

• Extension option not available under normal circumstances

• In unavoidable cases, Extension is possible to allow the insured person to complete the Overseas Trip provided the aggregate Travel period during the entire policy does not exceed 180 days.


Major Exclusions• Loss directly or indirectly occasioned by happening

through or in consequence of

a. Travel against Medical Advice

b. Any Pre existing condition

c. With the intention of receiving medical treatment

d. Insured being aware of circumstances that could reasonable be expected to give rise to a claim

e. Winter Sports or the Use of Dry ski slopes

f. Direct participation in riot or civil commotion

g. Manual work of any kind, etc

h. Insured engaging in any criminal or illegal act.


• Claims arising from pregnancy

• Claims increased by the Insured’s own act or omission

• Consequential Loss

• Claims relating to Bankruptcy or Liquidation

• Congenital anomalies or any other complications or conditions arising there from

• Professional or Organised Sports, rock Climbing or mountaineering, racing speeds or endurance tests, hazardous pursuit or occupation or air travel (other than as a passenger) and similar activites.

For Detailed list of exclusions kindly refer the policy wordings.

Major Exclusions (Contd.)


Third Party Administrator

• Paramount Healthcare Management Pvt. Ltd.

• Dedicated Help Line – 0091 2267515559

• Toll Free Number when dialing from USA - 1 866 978 5205

• Toll Free Number when dialing from Rest of the World

- 00 91 2267515559

• E-Mail : [email protected]


Claim Procedure

Hospitalization Claims

Documents Required Procedure to be followed

1. Our Assistance Co. ref. No. and approval.

2. Claim form duly filled in all aspects

3. Doctor’s Advice Reports

4. Pathological/Lab Reports

5. Original bills/Receipts/Prescriptions

6. Discharge Certificate

7. Policy Copy

8. If expenses paid by you seek reimbursement

9. Preserve all original bills/prescriptions

1. Please call our Assistance Co.

Toll Free Number when dialing from USA

1 866 978 5205

Toll Free Number when dialing from Rest of the World

00 91 2267515559

2. Call for claim Form

3. Get the assistance for Admission through our Assistance Co.


Claims Procedure (contd.)Personal Accident Claims


1. Inform our Assistance Co.

2. Narration of the facts

3. Police Report

4. Witness Statements

5. Death Certificate, if applicable

6. Cause of Accident

7. Post mortem report, if applicable

8. Original Bills

9. Details of treatment taken for PTD or PPD with supporting prescriptions and Doctor’s advice

1. Obtain Claim form

2. Fill in the claim form in all respects

3. Inform police

4. In case of PTD, obtain Disability Certificate from the treating Doctor

5. Witness if any, get statements from them


Claims Procedure (contd.)Loss of Checked in Baggage Claims


1. Claim form duly filled in

2. Copy of Letter lodging a claim on the carrier

3. Property Irregularity Report / other report issued by the Carrier

4. Compensation received from the Carrier

5. Adequate proof of value of items contained in checked in baggage value in excess of US$100

1. Please inform our Assistance Co.

2. Obtain claim form

3. Lodge complain with the Carrier

4. Send complete documents


Claims Procedure (contd.)Delay of Checked-In-Baggage Claims


1. Claim form with ref.

2. Copy of ticket

3. Copy of Visa/Passport

4. Certificate from the Carrier fro the delay in checked-in-baggage for more than 12 hrs

5. Irregularity Report or any other report from the airline stating date

6. Original bills of emergency consumables purchased up to the arrival of delayed baggage.


2. Claim form can be obtained from our Assistance Co.

3. Send duly filled in claim form with supporting documents


Claims Procedure (contd.)Personal Liability Claims



2. Narration of the Incident

3. Proof of judicial decision

4. In case of bodily injury, nature of bodily injury

5. Witness Statement

6. Victims Statement

7. Police Complaint by the victim

8. Your report to the Police

9. Legal notice, summons, etc.

10. Lawyers opinion about the incident vis-à-vis your liability


2. Engage Lawyer with the consent of the Company

3. Correspondence, if any, without prejudice

4. No commitment on any benefit or enter into agreement


Claims Procedure (contd.)Trip Cancellation Claims


1. Inform Policy issuing office/call centre 1800 425 2255

2. Fill up the claim form

3. Cause for cancellation with supporting evidence

4. In case of Bodily injury, Hospitalisation Bill, Doctor’s Bill, etc.

5. In case of Death of relative, Death Certificate

6. In case of Quarantine, Certificate from the Authorities

7. In case of deposing as a witness, Copy of summons served

8. Copy of ticket

9. Copies of correspondence with the Airline authorities

1. Inform Policy Issuing Office

2. Obtain claim form

3. Inform the Travel agent or the tour operator through whom the trip was arranged

4. Preserve unused ticket or any prior agreement entered into with Hotels, etc., resulting in loss because of cancellation of the trip


Claims Procedure (contd.)Loss Of Passport Claims


1. Copy of complaint lodged with the police

2. Inform Passport office

3. Copy of lost passport

4. Cause of loss

5. Expenses incurred for obtaining duplicate passport


2. Take their Assistance

3. Inform Police


Star Health and Allied Insurance Co. Ltd. Star Corporate Travel Protect Insurance.

Documents

allied insurance

trip slide

star health

insurance slide

star travel

days trip band4584664214327

days trip band3488469111672

days trip band3229454111256