Travel Infinity Policy Document

1. Preamble
This ‘Travel Infinity’ Policy is a contract of insurance between You and Us which is subject to payment of full premium in advance and the terms, conditions
and exclusions of this Policy. Expense incurred outside the policy period will NOT be covered. Unutilized Sum Insured will expire at the end of policy year. All
applicable benefits, details and limits are mentioned in your Certificate of insurance. We will cover only allopathic treatments in this policy.
2. Defined Terms
The terms listed below in this Section and used elsewhere in the Policy in Initial Capitals shall have the meaning set out against them in this Section.

Standard Definitions
2.1. Accident or Accidental means sudden, unforeseen and involuntary event caused by external, visible and violent means.
2.2. Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage
of the admissible claims amount. A co-payment does not reduce the Sum Insured.
2.3. Day care center means any institution established for day care treatment of illness and/or injuries or a medical setup with a hospital and which has been
registered with the local authorities, wherever applicable, and is under supervision of a registered and qualified medical practitioner AND must comply
with all minimum criterion as under
a. has qualified nursing staff under its employment;
b. has qualified medical practitioner/s in charge
c. has fully equipped operation theatre of its own where surgical procedures are carried out
d. maintains daily records of patients and will make these accessible to the insurance company’s authorized personnel.
2.4. Day care treatment means medical treatment and/or surgical procedure which is
a. undertaken under General or Local Anesthesia in a hospital/day care center in less than 24 hrs because of technological advancement, and
b. which would have otherwise required hospitalization of more than 24 hours. Treatment normally taken on an out-patient basis is not included in the
scope of this definition.
2.5. Deductible means a cost sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified rupee amount
in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits are payable by
the insurer. A deductible does not reduce the Sum Insured
2.6. Dental treatment means a treatment related to teeth or structures supporting teeth including examinations, fillings (where appropriate), crowns,
extractions and surgery.
2.7. Emergency Care- Emergency care means management for an illness or injury which results in symptoms which occur suddenly and unexpectedly, and
requires immediate care by a medical practitioner to prevent death or serious long term impairment of the insured person’s health.
2.8. Grace Period means the specified period of time immediately following the premium due date during which a payment can be made to renew or continue
a policy in force without loss of continuity benefits such as waiting periods and coverage of preexisting diseases. Coverage is not available for the period
for which no premium is received
2.9. Hospital

For the purpose of domestic insurance

A hospital means any institution established for in-patient care and day care treatment of illness and/or injuries and which has been registered as a hospital
with the local authorities under Clinical Establishments (Registration and Regulation) Act 2010 or under enactments specified under the Schedule of
Section 36(1) and the said act Or complies with all minimum criteria as under:
a. has qualified nursing staff under its employment round the clock;
b. has at least 10 in-patient beds in towns having a population of less than 10,00,000 and at least 15 in-patient beds in all other places;
c. has qualified medical practitioner(s) in charge round the clock;
d. has a fully equipped operation theatre of its own where surgical procedures are carried out;
e. maintains daily records of patients and makes these accessible to the insurance company’s authorized personnel;
2.10. Hospitalisation- Hospitalization means admission in a Hospital for a minimum period of 24 consecutive ‘In-patient Care’ hours except for specified
procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

2.11. Illness- Illness means a sickness or a disease or pathological condition leading to the impairment of normal physiological function and requires medical
treatment.
a. Acute condition - Acute condition is a disease, illness or injury that is likely to respond quickly to treatment which aims to return the person to his or her
state of health immediately before suffering the disease/ illness/ injury which leads to full recovery
b. Chronic condition - A chronic condition is defined as a disease, illness, or injury that has one or more of the following characteristics:
i. it needs ongoing or long-term monitoring through consultations, examinations, check-ups, and /or tests
ii. it needs ongoing or long-term control or relief of symptoms
iii. it requires rehabilitation for the patient or for the patient to be specially trained to cope with it
iv. it continues indefinitely
v. it recurs or is likely to recur
2.12. Injury means accidental physical bodily harm excluding illness or disease solely and directly caused by external, violent, visible and evident means which
is verified and certified by a Medical Practitioner
2.13. Inpatient Care- Treatment for which the insured person has to stay in a hospital for more than 24 hours for a covered event.
2.14. Maternity Expenses means
a. medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization);
b. expenses towards lawful medical termination of pregnancy during the policy period.
2.15. Medical Advice- Medical Advice means any consultation or advice from a Medical Practitioner including the issuance of any prescription or follow-up
prescription.
2.16. Medical Expenses- Medical Expenses means those expenses that an Insured Person has necessarily and actually incurred for medical treatment on
account of Illness or Accident on the advice of a Medical Practitioner, as long as these are no more than would have been payable if the Insured Person had
not been insured and no more than other hospitals or doctors in the same locality would have charged for the same medical treatment.
2.17. Medical Practitioner/Doctor- A person who is qualified to practice medicine or is a physician, surgeon or an anaesthetist and has a valid medical license
issued by the appropriate authority. This person should not be the insured person him/herself or an Immediate Family Member of the Insured or the insured
person’s employer/business partner”.
2.18. Medically Necessary Treatment- Any treatment, tests, medications, or stays in hospital (or part of a stay in hospital) which:
a. Is required for the medical management of the illness or injury suffered by the insured.
b. Must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in scope, duration, or intensity.
c. Must have been prescribed by a medical practitioner.
d. Must conform to the professional standards widely accepted in international medical practice or by the medical community in India.
2.19. New Born Baby- Newborn baby means baby born during the Policy Period and is aged upto 90 days.
2.20. Notification of claim means the process of intimating a claim to the insurer or TPA through any of the recognized modes of communication.
2.21. Outpatient Treatment (OPD)- OPD treatment means the one in which the Insured visits a clinic / hospital or associated facility like a consultation room for
diagnosis and treatment based on the advice of a Medical Practitioner. The Insured is not admitted as a day care or in-patient.
2.22. Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and
/ or for which medical advice / treatment was received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter.
2.23. Qualified Nurse : Qualified nurse means a person who holds a valid registration from the Nursing Council of India or the Nursing Council of any state in
India.
2.24. Reasonable and Customary Charges: Reasonable and Customary charges means the charges for services or supplies, which are the standard charges for
the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into account the nature of
the illness / injury involved.
2.25. Renewal: Renewal means the terms on which the contract of insurance can be renewed on mutual consent with a provision of grace period for treating the
renewal continuous for the purpose of gaining credit for pre-existing diseases, time-bound exclusions and for all waiting periods.
2.26. Subrogation means the right of the insurer to assume the rights of the insured person to recover expenses paid out under the policy that may be recovered
from any other source.
2.27. Surgery or Surgical Procedure means manual and / or operative procedure (s) required for treatment of an illness or injury, correction of deformities and
defects, diagnosis and cure of diseases, relief from suffering and prolongation of life, performed in a hospital or day care centre by a medical practitioner
2.28. Unproven/Experimental treatment means the treatment including drug experimental therapy which is not based on established medical practice in India,
is treatment experimental or unproven.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

Specific Definitions
2.29. Adventure sports- Any sport or activity, which is potentially dangerous to the Insured Person whether he/ she is trained, or not. This includes:
a. Sky Sports: Sky Diving, Hang Gliding, Ballooning, Parasailing, Paragliding, Bungee Jumping, Bridge Swinging, Zip Lining, Zip Trekking
b. Mountain Sports: Skiing, Snowboarding, Rock Climbing, Rock Scrambling, Rappelling, Via Ferrata, Fell Running, Fell Walking, Gorge Walking, Indoor
Rock Climbing, Mountain Biking, Cannoning, Mountaineering
c. Water Sports: Fishing, Deep Sea Fishing, Kite Surfing, Body Boarding, Paddle Boarding, Kayaking, Canoeing, Scuba Diving, Shark Diving, Swimming
with Dolphins, Diving with Whales, Wakeboarding, Surfing, white water rafting, Snorkeling, Waterskiing, Whale Watching
d. Racing Sports: Auto (car) racing, Motor rallying, Motorcycle racing, Air racing, Kart racing, Boat racing, Hovercraft racing, Lawn, mower racing,
Snowmobile racing, Truck racing, Off Road 4x4
e. Earth Sport: Land Windsurfing, Zorbing, Sand Boarding,
2.30. Age or Aged means completed years as at the commencement date.
2.31. Medical Emergency Assistance provider means service provider specified in Certificate of insurance appointed by the Company from time to time.
2.32. Bodily Injury / Injury- Accidental physical bodily harm (excluding illness or disease) solely and directly caused by external, violent, and visible and evident
means which is verified and certified by a medical practitioner.
2.33. Checked-In Baggage shall mean the baggage entrusted by the Insured and accepted by a Common Carrier for transportation for which a baggage receipt/
tag is issued to the Insured by the Common Carrier. This shall exclude items that are carried/ transported under a contract of affreightment.
2.34. Child or Children means Your children Aged between 6 months and 21 years at the commencement of the Policy Period if they are unmarried, still
financially dependent on You and have not established their own independent households.
2.35. Claim Deductible- means a cost sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified rupee
amount in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits are
payable by the insurer. A deductible does not reduce the Sum Insured.
2.36. Common Carrier- Any commercial public airline, railway, motor transport, or waterborne vessel (which shall include ocean going and / or coastal vessels)
operating under license issued by the appropriate authority for transportation of passengers. It includes contract carriage commercial vehicle. The scope
of Common carrier does not include travel through automobiles owned by the Insured Person either as a passenger or driver and travel through any two-
wheeled motor vehicle either as a passenger or driver.
2.37. Contract of Affreightment is an agreement between a charterer and a common carrier, where the common carrier agrees to transport specific number of
goods for the charterer at a specified period.
2.38. Damages- The sum of money claimed or awarded in compensation for loss/injury. But this does not include fines, penalties, punitive damages, exemplary
damages, any non-pecuniary relief, or any other amount for which an Insured is not financially liable, or which is without legal recourse.
2.39. Depreciation means the monetary value of an asset decreases over time due to use, wear and tear or obsolescence. This decrease is measured as
depreciation.
2.40. Educational Institution shall mean any school, vocational institute, polytechnic, college, university or institute or higher learning which is duly licensed to
provide educational services by trained or qualified teacher/professor and where the Insured is registered as a full-time student
2.41. Excursions- Day trips and outings arranged either by you or your travel or accommodation provider.
2.42. Family means legally married Spouse and/or a maximum of 4 Children as named in the Schedule.
2.43. Felonious assault means any willful or unlawful use of force upon the Insured Person that is a felony or misdemeanor in the jurisdiction in which it occurs
and which results in bodily harm to the Insured Person.
2.44. Geographical scope means the countries or geographical boundaries In which the coverage under this policy is valid as specified in the certificate of
insurance.
2.45. Hijacked means the unlawful seizure or exercise of control of any Carrier by force or violence or threat of force or violence or an act, including but not
limited to the use of force or violence or the threat thereof, committed for any reason (including political, religious or ideological) by any person or group
of persons, whether acting alone or on behalf of or in connection with any organisation or government.
2.46. Home/Residential Address- Your address in India as mentioned in Certificate of insurance

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

2.47. Hospital

For the purpose of overseas insurance-

Any institution established for in-patient care and day care treatment of illness and/or injuries and which has been registered as a hospital with the local
authorities and complies with all minimum criteria as under:
a. has qualified nursing staff under its employment round the clock;
b. has qualified medical practitioner(s) in charge round the clock;
c. has a fully equipped operation theatre of its own where surgical procedures are carried out;
d. Maintains daily records of patients and makes these accessible to the insurance company’s authorized personnel.
2.48. Immediate Family- Spouse, children, mother, father, brother, sister, parent in law, daughter-in-law, son-in-law, grandparent, grandchild.
2.49. Insured Person means You and the persons named in the Schedule.
2.50. Money- Includes coins, cash (including foreign currency), traveller’s cheques and credit cards/ debit cards.
2.51. Mugging means an act of attacking someone in a public place and stealing their money/ valuables.
2.52. Policy Period/ Period of Insurance
Single-trip Policies: The below dates are shown on your certificate of insurance:
a. “Trip Cancellation” cover begin from the date your policy is issued, or the date of booking of your ticket (whichever is later). It ends when you start
utilization of the ticket for its intended purpose.
b. For all other coverage, cover starts when you start the insured trip. It continues until the end of insured trip or expiry date and time of the policy or on
the date and time you return to your home in your city of residence whichever is earlier

Multi-trip Policies:
The period as shown on your certificate of insurance.
Each trip you make during the period of insurance will be treated as a separate insurance, each subject to the policy terms, conditions and exclusions.
Cover for individual trips apply as follows
a. “Trip Cancellation” cover begin from the date of policy issuance or the date of booking of ticket (whichever is later) and ends when you start utilization
of the ticket for its intended purpose.
b. All other Covers start when you start the insured trip and continues for the duration of each trip.

We will cover trips booked during one period of insurance but not taking place until the next period of insurance if your multi-trip policy with us is still
in force at the time of the incident resulting in a claim.
You may travel as many times as you wish during the period of coverage provided that no one trip exceeds the maximum number of days as specified
and contracted for at the time of application and shown on your certificate of insurance.
Domestic Insurance- Maximum of 30 days of coverage is available under domestic policies.
2.53. Permanent Partial Disability- Continuous loss or impairment of a body part or sensory organ which is certified by a Medical practitioner
2.54. Permanent Total Disability- The disability resulting in either of:
a. Loss of the sight of both eyes.
b. Physical separation of or the loss of ability to use both hands or both feet.
c. Physical separation of or the loss of ability to use one hand and one foot.
d. Loss of sight of one eye and the physical separation of or the loss of ability to use either one hand or one foot.
2.55. Policy- Insurance related documents issued in Your name including without limitations certificate of insurance, proposal, certificate of insurance, applicable
endorsements, Policy wording containing the terms and conditions of the insurance contract.
2.56. Schedule means the schedule attached to and forming part of this policy, and if more than one then latest in time.
2.57. Sponsor means any individual responsible for paying the tuition fees of the student of his/her fulltime study in a registered educational institution outside
his/her home country
2.58. Spouse means the Insured Person’s legally married spouse as long as she continues to be married to him.
2.59. Sum Insured/ Policy Limits- The amount stated in the Schedule against each relevant Cover, which shall be the Company’s maximum liability under this
Policy for any and all Claims under such Cover. Some covers also include other specific limits, for example, for any one item or limits for valuables in total.
2.60. Terrorism/ Terrorist Incident- Any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption. Commission of an
act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic,
nationalistic, political, racial or religious interests, whether such interests are declared or not. Robberies or other criminal acts, primarily committed

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 for personal gain and acts arising primarily from prior personal relationships between perpetrator(s) and victim(s) shall not be considered Terrorist activity.
Terrorism shall also include any act, which is verified or recognized by the relevant Government as an act of terrorism.
2.61. Time Excess- Time before/after (as the case may be) when our claim liability doesn’t trigger. This refers to specified time period which needs to elapse/
pass before or after (as the case may be) to make us liable for benefit payment under the policy. Example, a time excess of 60 minutes for Common Carrier
Delay cover means that insurer will pay claim only when the delay is more than 60 minutes. A time excess of 6 hours for “all risk cancellation charges” cover
means that insurer will pay claim only when the insured affects the cancellation before 6 hours of scheduled timing of the services.
2.62. Theft- As defined in Section 378 of Indian Penal Code, 1860 whoever, intending to take dishonestly any movable property out of the possession of any
person without that person’s consent, moves that property in order to carry out such taking is said to commit theft.
2.63. Travel Agent- An agent, tour operator, or other entity from which the Insured purchases his travel arrangements, and includes all officers, employees, and
affiliates of such agent or tour operator.
2.64. Travelling Companion- Immediate family member(s) of insured traveling with the Insured during the Period of Insurance, provided that, the Insured and
such individual(s) are traveling to the same destination on the same dates and provided that such individual(s) is/ are also Insured under the Policy. For
the purpose of this definition, any individual(s) forming part of a group traveling on a tour arranged by a travel agent or a tour leader is not considered as
Traveling Companion, unless the individual(s) is part of the Insured’s Immediate Family.
2.65. Trip(s)/ Insured Journey-

For Domestic travel: Refers to the journey performed by you within India commencing during the period of insurance and limited to sector(s) for which
the risk is covered as per the policy.
For International travel: Refers to the journey performed by you commencing from India and returning to India during the period of insurance and limited
to sector(s) for which the risk is covered as per the policy.
2.66. Unattended- Property that is not in your full view or positioned where you are unable to prevent unauthorized taking of your property, unless it is left
in a locked room or safe. Property left in a motor vehicle is considered unattended unless the vehicle is locked and the items are placed out of view in an
enclosed storage compartment, boot or luggage space.
2.67. We, us, our, ours, Company, insurer- Niva Bupa Health Insurance Company Limited
2.68. You, your, yours, yourself, policyholder, insured person(s)- The person or people named on your certificate of insurance we insure.
3. Benefits:
Insured can choose from any of the below benefits on payment. Refer to certificate of insurance for sum insured available under each benefit.
3.1. Choose only one from A and B
A. Emergency In-patient medical treatment (Expenses during emergency hospitalization)
We will pay the expenses incurred by you on treatment (Naturally this excludes expenses not linked to treatment like food, beverage, toiletries and
cosmetics) if you were admitted in a hospital for more than 24 hours. Day Care treatments are also covered.

Special conditions
1. The treatment of illness/ accident shall commence during the period of insurance.
2. Refer Annexure 1 for expenses that are not covered or subsumed into room charges / procedure charges / costs of treatment.
3. People traveling overseas on student visa for full time education will be covered in India as well till the end of policy period.
4. Sub limit as mentioned in Annexure II will be applicable for insured above 60 years of age (only for international travel).

Claim deductible- As shown on your certificate of insurance

What is not covered (in addition to General exclusions- section 4)

• Out-patient treatment
• Any claim for:
i. the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness/accident that you
originally went to hospital for;
ii. any form of treatment that your treating doctor and we/our Medical Emergency Assistance provider think can reasonably wait until you return
home;
iii. routine medication which you were consuming or started, at the time your trip start, and you knew that you would need while you were away;
iv. Treatments received in health hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to
such establishments or where admission is arranged wholly or partly for domestic reasons. (Code-Excl13);

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 • Costs incurred following your decision not to move hospital or return to India/origin city after the date when it was deemed safe for you to do so by
us/our Medical Emergency Assistance provider and your treating doctor.
• Vitamins and tonics, vaccination (unless related to animal bite), Weight management services and treatments related to weight reduction programs
including treatment of obesity, external Congenital disease, defect or anomalies.
• Physiotherapy, rehabilitation of organs.
B. Emergency In-patient medical treatment with OPD
We will pay the expenses incurred by you on treatment (Naturally this excludes expenses not linked to treatment like food, beverage, toiletries and
cosmetics) if you were admitted in a hospital for more than 24 hours. Day Care treatments are also covered.

Special conditions
1. The treatment of illness/ accident shall commence during the period of insurance.
2. Refer Annexure 1 for expenses that are not covered or subsumed into room charges / procedure charges / costs of treatment.
3. People traveling overseas on student visa for full time education will be covered in India as well till the end of policy period.
4. Out-patient treatment is covered up to an amount as mentioned in certificate of insurance, provided, the same is critical and cannot be deferred till
the Insured Person’s return to Republic of India
5. The Insured can opt either for option Emergency In-patient medical treatment or Emergency In-patient medical treatment with OPD
6. Sub limit as mentioned in Annexure II will be applicable for insured above 60 years of age (only for international travel).

Claim deductible- As shown on your certificate of insurance/ Certificate of Insurance

What is not covered (in addition to General exclusions- section 4)

Any claim for:

i. the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness/accident that you
originally went to hospital for;
ii. any form of treatment that your treating doctor and we/our Medical Emergency Assistance provider think can reasonably wait until you return
home;
iii. routine medication which you were consuming or started, at the time your trip start, and you knew that you would need while you were away;
iv. Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to
such establishments or where admission is arranged wholly or partly for domestic reasons. (Code-Excl13);

1. Costs incurred following your decision not to move hospital or return to India/origin city after the date when it was deemed safe for you to do
so by us/our Medical Emergency Assistance provider and your treating doctor.
2. Vitamins and tonics, vaccination (unless related to animal bite), Weight management services and treatments related to weight reduction
programs including treatment of obesity, external Congenital disease, defect or anomalies.
3. Physiotherapy, rehabilitation of organs.
3.2. Maternity

We will pay the expenses incurred by you on treatment (Naturally this excludes expenses not linked to treatment like food, beverage, toiletries and
cosmetics) if you were admitted in a hospital in the course of your pregnancy. Coverage includes delivery, lawful medical termination of pregnancy,
miscarriage and the cost of a midwife or obstetric nurse.

Special conditions
1. The Insured Person was not pregnant at the commencement of the Policy Period
2. A waiting period of 10 months/24 months as mentioned in your certificate of insurance will apply to all claims under this Benefit
3. Clause 4 of General exclusions stand waived for this benefit
4. This benefit can be used only twice during the insured person’s lifetime
5. This cover is available only for people who are traveling overseas on student visa for full time college or school education with policy term equal to
or more than 12 months
6. This cover is not applicable for domestic travel insurance policies

Claim deductible- As shown on your certificate of insurance

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.3. New born baby cover

Emergency inpatient medical treatment and vaccination expenses of new born baby will be covered as per “Emergency inpatient medical treatment” or
“Emergency inpatient medical treatment with OPD” benefit of this policy.

Special conditions (in addition to special conditions of “maternity”)

1. Any claim under this benefit will use sum insured of “maternity” benefit only
2. Coverage for vaccination of the new born is restricted to up to USD 500
3. This cover is available only for people who are traveling overseas on student visa for full time college or school education with policy term equal to or
more than 12 months
4. This cover is not applicable for domestic travel insurance policies
5. Claim under this benefit is payable only if claim under “Maternity” benefit is also payable.
3.4. Emergency Outpatient treatment (OPD)
We will reimburse the Medical Expenses incurred on emergency out-patient treatment.
Claim deductible- As shown on your certificate of insurance

Special conditions
1. Insured can choose either this benefit or “emergency inpatient medical treatment with OPD”. Not both of them.

What is not covered (in addition to General exclusions- section 4)?

1. Anything mentioned in “What is not covered” section of “emergency inpatient medical treatment” cover
3.5. Emergency Road Ambulance
We will cover the road ambulance cost for transportation of the Insured Person to a Hospital.
Special conditions
1. Any claim under this benefit will use sum insured of Emergency in-patient medical treatment or Emergency in-patient medical treatment with OPD
2. The ambulance service provider must be registered.
3. This claim will be payable only if claim under “emergency inpatient medical treatment” or “Emergency in-patient medical treatment with OPD “cover
of this Policy is also payable

Claim deductible- As shown on your certificate of insurance

3.6. Hospital Daily Cash
We will pay a daily cash amount for each day the insured person is hospitalized.
Special conditions
1. Insured person is hospitalized for minimum of 24 hours
2. A deductible number of days as mentioned in certificate of insurance will be applied on this benefit
3. This claim will be payable only if claim under “emergency inpatient medical treatment” or “Emergency in-patient medical treatment with OPD“ cover
of this Policy is also payable
3.7. Emergency Dental treatment
We will pay the expenses incurred by you on pain relieving dental treatment received under anesthesia at hospital following:
1. An Accident or
2. Sudden acute pain to one or more of the Insured Person’s natural teeth

Special conditions
1. Any claim under this benefit will use sum insured of “Emergency in-patient medical treatment” or “Emergency in-patient medical treatment with OPD”

Claim deductible- As shown on your certificate of insurance

3.8. Medical evacuation

We will pay the expenses incurred on your transportation from one Hospital to another in case the hospital where you are admitted cannot provide
satisfactorily medical services.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Special conditions
1. Transportation has been prescribed by a Doctor and is medically necessary
2. If transportation is required, then we/Our Medical Emergency Assistance provider will discuss with the Doctor whether to transport the Insured Person
to a more suitable country/city for medical treatment or to India/origin city.
3. This claim will be payable only if claim under “Emergency in-patient medical treatment” or “Emergency in-patient medical treatment with OPD” cover
of this Policy is also payable.
4. Claim payment under this benefit has two options
a. Any claim under this benefit will use sum insured of “Emergency in-patient medical treatment” or “Emergency in-patient medical treatment with OPD”
b. Claim under this benefit has its own separate sum insured
3.9. Extension to in-patient care
If you were hospitalized during trip and are in need of treatment even after coming back to India, then we will cover expenses for
1. Hospitalization in an Indian hospital if hospitalized within a period of 30 days from the end of the policy period
2. Your return economy class ticket to India

Special conditions
1. This claim will be payable only if claim under “emergency inpatient medical treatment” or “emergency inpatient medical treatment with OPD” cover
of this Policy is also payable
2. This cover is not applicable for domestic travel insurance policies
3. Hospitalization in home country is for same illness or injury for which you were hospitalized during trip
Claim deductible- As shown on your certificate of insurance
3.10. Personal Accident

If your Accident during the policy period causes any or combination of the conditions as mentioned in Table 1, then we will pay in accordance with Table 1.
Felonious assaults are also covered.

Table 1

% age of % age of
S. No Description Sum Insured S. No Description Sum Insured
payable payable

1 Death 100% 12 Loss of each other Finger 5%

Complete & Irrecoverable loss of 2 Limbs (both
2 100% 13 Loss of each leg above centre of the femur 70%
hands or both feet or one hand and one foot)
Complete & Irrecoverable loss of a Limb and
3 100% 14 Loss of each leg up to a point below the femur 65%
an eye
Complete and irrecoverable loss of sight of both
4 100% 15 Loss of each leg to a point below the knee 50%
eyes
Complete and irrecoverable loss of speech &
5 100% 16 Loss of each foot at the ankle 40%
hearing of both ears
6 Loss of each arm at the shoulder joint 70% 17 Loss of each big toe 5%
7 Loss of each arm to a point above elbow joint 65% 18 Loss of each other toe 2%
8 Loss of each arm below elbow joint 50% 19 Loss of each eye 50%
9 Loss of each hand at the wrist 50% 20 Loss of hearing in each ear 30%
10 Loss of each Thumb 20% 21 Loss of sense of smell 10%
11 Loss of each Index Finger 10% 22 Loss of sense of taste 5%

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Complete & Irrecoverable loss of limb means physical separation or complete loss of functionality of the limb, within 365 days from the date of the
Accident. This will include Paralysis including Paraplegia, Quadriplegia with loss of functional use of limb.

Special conditions
1. Claim is admissible only if the accident causes death or disability within 365 days from the date of the accident
2. Our payment will not exceed 100% of the Sum Insured if the accident causes a combination of more than one condition mentioned in Table 1.
3. If a loss is not mentioned in the table 1, then we will assess the degree of disability and determine the amount of payment to be made. In all such cases
our liability will be limited to 50% of the Sum Insured.
4. Any disability claim amount already paid to you will be deducted from future death claim, if any.

What is not covered (in addition to General exclusions- section 4)- Any Claim arising while you are travelling in a common carrier (including boarding
and alighting from that Common Carrier) as a fare paying passenger.
3.11. Accidental Death and Disability (Common Carrier)
If your Accident in a common carrier (including boarding and alighting from that Common Carrier) during the policy period causes any or combination of
the conditions as mentioned in Table 2, then we will pay in accordance with Table 2.
Table 2
% age of % age of
S. No Description Sum Insured S. No Description Sum Insured
payable payable
1 Death 100% 12 Loss of each other Finger 5%
Complete & Irrecoverable loss of 2 Limbs (both hands Loss of each leg above centre of the
2 100% 13 70%
or both feet or one hand and one foot) femur
Loss of each leg up to a point below the
3 Complete & Irrecoverable loss of a Limb and an eye 100% 14 65%
femur
Loss of each leg to a point below the
4 Complete and irrecoverable loss of sight of both eyes 100% 15 50%
knee
Complete and irrecoverable loss of speech & hearing of
5 100% 16 Loss of each foot at the ankle 40%
both ears
6 Loss of each arm at the shoulder joint 70% 17 Loss of each big toe 5%
7 Loss of each arm to a point above elbow joint 65% 18 Loss of each other toe 2%
8 Loss of each arm below elbow joint 50% 19 Loss of each eye 50%
9 Loss of each hand at the wrist 50% 20 Loss of hearing in each ear 30%
10 Loss of each Thumb 20% 21 Loss of sense of smell 10%
11 Loss of each Index Finger 10% 22 Loss of sense of taste 5%

Complete & Irrecoverable loss of limb means physical separation or complete loss of functionality of the limb. This will include Paralysis including Paraplegia,
Quadriplegia with loss of functional use of limb.

Special conditions
1. Claim is admissible only if the accident causes death or disability within 365 days from the date of the accident
2. Our payment will not exceed 100% of the Sum Insured if the accident causes a combination of more than one condition mentioned in Table 2.
3. If a loss is not mentioned in the table 2, then we will assess the degree of disability and determine the amount of payment to be made. In all such cases
our liability will be limited to 50% of the Sum Insured.
4. Any disability claim amount already paid to you will be deducted from future death claim, if any.
5. You will be presumed to be dead if you are not found within 365 days of the disappearance/accident of the common carrier.
6. Claim is payable only if you are travelling in the common carrier as fare paying passenger
3.12. Repatriation of mortal remains
If you die in the Risk Period, then We will reimburse the cost of either transporting your mortal remains to permanent place of residence or a cremation
ceremony in the city/country of death.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Special condition
1. Claim under this cover is admissible only if hospitalization claim is also payable under “emergency inpatient medical treatment” “emergency inpatient
medical treatment with OPD” or OR death claim is payable under “personal accident” or “accidental death or disability (common carrier)” cover of this
policy
2. Claim payment under this benefit has two options
a. Any claim under this benefit will use sum insured of “Emergency in-patient medical treatment” or “Emergency in-patient medical treatment with OPD”
b. Claim under this benefit has its own separate sum insured.
3.13. Total Loss of checked-in baggage
We will pay the pro-rated amount if common carrier permanently loses your checked-in baggage.
How pro-rata will work?
If you have checked-in 3 baggage’s and one was lost by common carrier, then we will pay one-third of the Sum Insured.
Special conditions
1. Any Claim amount paid already under the “Delay of Checked-in Baggage” cover, will be deducted from the claim amount payable under this cover.
2. If common carrier has paid any compensation amount for Total Loss of Checked-in Baggage, that amount will be deducted from the claim amount
payable under this cover.

What is not covered (in addition to General exclusions- section 4)?

1. Losses arising from any delay, detention, confiscation by customs officials or other public authorities
2. Partial loss- Loss of one or more items from the baggage.

3.14. Delay of checked-in baggage

We will pay the sum insured if delivery of your checked-in baggage is by common carrier is delayed by more than number of hours as mentioned in
Certificate of insurance from the expected time of delivery.
Special conditions- If common carrier has paid any compensation amount for Delay of Checked-in Baggage, that amount will be deducted from the claim
amount payable under this cover.
What is not covered (in addition to General exclusions- section 4)?
1. Delay arising from any detention, confiscation by customs officials or other public authorities
2. Any delay of checked-in baggage on the return to origin city/ country of trip
3.15. Trip Delay
If departure of your scheduled common carrier is delayed beyond a specified number of hours due to any of the following reasons, then we will pay an
amount as mentioned in certificate of insurance for every block of hours of delay (as mentioned in certificate of insurance) maximum up to 24 hours of
delay:
1. Delay due to bad Weather.
2. Delay due to a sudden Strike or any other action by employees of the Common Carrier.
3. Delay due to equipment failure of the Common Carrier.
4. Delay due to operational problem at the Common Carrier end like crew/staff scheduling issues.
5. Cancellation or rescheduling done by the Common carrier.

What is n.ot covered (in addition to General exclusions- section 4)?

1. Any delay due to reasons, which were made public or known to You at least 6 hours prior to the scheduled departure of the Common Carrier.
3.16. Trip cancellation
If you cancel your trip before starting the journey due to any of the reasons listed below, then we will provide coverage up to sum insured mentioned in
certificate of insurance
1. Death or minimum 24 hour hospitalization of your immediate family member or traveling companion or You.
2. Your presence is required by judicial authority during the period of insurance.
3. You are unable to start your trip due to any natural disaster declared by the appropriate government authority.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 4. Due to unexpected strike, riot or Civil commotion at Your destination or hometown or departure city.
5. Loss of passport in case of international trips.
6. Compulsory quarantine or prevention of travel by Government of India.
Two options are available for claims payment under this benefit
1. We will cover for costs that you have already paid towards the trip and cannot get back or which is payable/refundable by insured due to cancellation
of trip under a lawful contract OR
2. we will pay a fixed amount as mentioned in certificate of insurance
Special conditions
1. We will cover only travel ticket and accommodation costs.
2. We will cover only one instance of Trip Cancellation for single trip policies and maximum of three instances for multi trip policies.

What is not covered (in addition to General exclusions- Section 4)?

1. Any cancellation due to Hospitalization resulting from pre-existing disease, Childbirth, Pregnancy or related medical complications to You, Your
immediate family or traveling companion.
2. Failure to start the journey due to rejection of VISA.
3.17. Trip interruption
If you return home without completing the trip due to below mentioned reasons, then we will provide coverage up to sum insured mentioned in certificate
of insurance
1. additional travel costs (in the same class as original booking) if you cannot use your return ticket;
2. unused accommodation costs that insured person has paid and cannot get back
Reasons for returning home:
1. Death or minimum 24 hour hospitalization of your immediate family member or traveling companion or You
2. You are unable to start your trip due to any natural disaster declared by the appropriate government authority.
3. The common carrier which you boarded as a passenger is hijacked.
4. Due to unexpected strike, riot or Civil commotion at place of visit other than your hometown.
5. Due to compulsory quarantine or prevention of travel by government

Two options are available for claims payment under this benefit
1. we will reimburse
a. additional travel costs (in the same class as original booking) if you cannot use your return ticket;
b. unused accommodation costs that insured person has paid and cannot get back
2. we will pay a fixed amount as mentioned in certificate of insurance
Special conditions
1. If you need to return home and intend to make a claim under this cover, you must call and inform the Medical Emergency Assistance provider as soon
as reasonably possible.
2. Any refund which you have received against cancellation of travel ticket will be deducted from claim amount
3. We will cover only one instance of Trip Cancellation for single trip policies and maximum of three instances for multi trip policies.

What is not covered (in addition to General exclusions- Section 4)?

1. Any claim which was not authorized by our Medical Emergency Assistance provider before you returned home.
2. Any abandonment due to Hospitalization due to a pre-existing disease, Childbirth, Pregnancy or related medical complications to You, Your immediate
family or traveling companion.
3. Any claim for Trip interruption where there is no valid claim for Emergency In-patient medical treatment or Emergency In-patient medical treatment
with OPD.
3.18. Loss of Passport
If you lose your passport while on trip, then we will provide coverage up to sum insured mentioned in certificate of insurance
Two options are available for claims payment under this benefit
1. we will reimburse the actual expenses incurred in obtaining a duplicate or fresh passport
2. we will pay a fixed amount as mentioned in certificate of insurance

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Special conditions
1. This cover is not applicable for domestic travel insurance policies

What is not covered (in addition to General exclusions- Section 4)?

1. Loss, delay or confiscation or detention by customs, police or public authorities.
2. Any loss or theft, if you do not report it to the police/embassy within 24 hours of discovery or as soon as reasonably possible and request a written
police report
3.19. Loss of International Driving license
If you lose your international driving license while on trip, then we will provide coverage up to sum insured mentioned in certificate of insurance
Two options are available for claims payment under this benefit
1. we will reimburse the actual expenses incurred in obtaining a duplicate or fresh international driving license
2. we will pay a fixed amount as mentioned in certificate of insurance

Special conditions
1. This cover is not applicable for domestic travel insurance policies

What is not covered (in addition to General exclusions- Section 4)?

1. Loss, delay or confiscation or detention by customs, police or public authorities.
2. Any loss or theft of your International Driving license, if you do not report it to the police within 24 hours of discovery or as soon as reasonably possible
and request a written police report
3.20. Missed Connection
If common carrier you are travelling in is not running on its published timetable and you missed a pre-booked onward connection as a direct result of this
delay then we will provide coverage up to sum insured mentioned in certificate of insurance

Two options are available for claims payment under this benefit
1. we will reimburse for extra accommodation and travel costs you incur to reach the next destination shown on your ticket/itinerary.
2. we will pay a fixed amount as mentioned in certificate of insurance

Special conditions
1. We will cover only one such instance for single trip policies and maximum of three instances for multi trip policies
2. We will cover extra accommodation and travel costs for the same class as originally planned.
3. There should be minimum of 3 hours gap between scheduled arrival of incoming common carrier and scheduled departure of connection common
carrier

Claim deductible- The claim deductible is as shown on your certificate of insurance

What is not covered (in addition to General exclusions- Section 4)?

1. Any claim caused by a strike or industrial action or any other reason for which the dates had been publicly announced or reported by the media at the
time you took out your policy.
2. Any occasion when the carrier has offered a reasonable alternative transport or connection or the Insured Person’s ticket for the connecting flight could
have been used for an alternative connection.

3.21. Financial emergency Cash

If you are left without any travel funds (including cash, travelers cheque, debit or credit card) due to theft, pilferage or robbery of your Money whilst on a
trip, then we will pay a fixed amount as financial emergency cash.

Special condition-
1. Any such loss should immediately be reported to the police of the foreign country within 24 hours and to Us within 48 hours.
2. This cover is not applicable for domestic travel insurance policies

What is not covered (in addition to General exclusions- Section 4)?

1. Any loss of Money that was not in the personal custody of the Insured Person
2. Any loss of Money in respect of which a claim is made only after the Insured Person has already returned to India.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.22. Personal Liability
We will cover costs incurred for:
1. Your actual legal liability for unintentional injury, property damage or death that you cause during your travel.
2. All costs, fees and expenses in the investigation, defence or settlement of any claim.

Special conditions
1. You shall:
a. give Us written notice within 10 days of any claim or demand made against you
b. not admit liability/ settle/ compromise/ make any payment without Our prior written consent.
c. Allow Us, in Our sole and absolute discretion, to take over and conduct investigation, defence and/or settlement of any claim. You shall provide all
the cooperation and assistance We may require. Having taken over the defence of any claim, We may in Our sole and absolute discretion relinquish
the same.
2. We will not settle any claim without your consent. But if you refuses settlement recommend by Us and chooses to contest or continue any legal
proceedings, then Our liability will not exceed the amount for which the claim could have been settled plus the defence costs incurred with Our consent
up to the date of such refusal.
3. For us to cover the costs, claim shall be made on you by the third parties during the Period of Insurance or within 60 days from the date of expiry of
the insurance.

Claim deductible- The claim deductible is as shown on your certificate of insurance

What is not covered (in addition to General exclusions- Section 4)?

1. Any fines or exemplary damages aimed at punishing you rather than awarding compensation to third party
2. Liability arising from:
a. Violation of operating/safety guidelines published by the service provider contracted by you.
b. Action of any type by any other person accompanying you.
c. Loss of or damage to property which belongs to you or is under your control or the control of a member of your household or the control of people
who work for you.
d. Your job/profession/professional activities/trade/business/employment or occupation.
e. Any willful, malicious, criminal or unlawful act, error, or omission.
f. Liability assumed by you by an agreement / contract which would not have attached in the absence of such agreement / contract.
g. Personal injuries including but not limited to libel, slander, false arrest, sexual molestation, corporal punishment, wrongful eviction, wrongful
detention, defamation, any mental injury, anguish, or shock resulting therefore.
h. Ownership and / or Occupation of any land and / or building, unless you are occupying any temporary holiday accommodation, which is not owned
by you.
i. Ownership and / or Usage of any of the following:
i. livestock (except domestic animals);
ii. firearms (except sporting guns used for clay-pigeon shooting);
iii. motorized vehicles, aircraft of any description, including unpowered flight
iv. vessels (except manually–propelled watercraft); or
j. Your participation in any leisure activity or activity based holiday or adventure sports where Personal Liability is specifically excluded.
k. Transmission of illness or disease by the insured
l. Any family member, relative, friend, travel companion or close business associate
3. Any Claim paid or compromised or commitment made without our prior written consent
3.23. Hijack Daily Allowance
If the aircraft in which an Insured Person is travelling as a fare paying passenger during the Risk Period is Hijacked and the journey is interrupted for a
continuous and completed period of hours as mentioned in Certificate of insurance, then We will pay the daily allowance specified in the certificate of
Insurance.
Special conditions
1. Claim will be provided for a maximum duration of 7 days
2. Clause 1 of General exclusions (Section 4 ) stand waived for this benefit

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 What is not covered (in addition to General exclusions- Section 4)?
1. Any claim where the Insured person is considered as accessory or is in anyway involved with the Hijacking.
2. Any claim as a consequence of change in the direction of the route of the aircraft due to security reasons
3.24. Bounced Booking- Hotel/ Common Carrier
If Accommodation provider/ Common Carrier is unable to honor your confirmed bookings (pre-paid or contracted to pay) due to overbooking then we will
provide coverage up to sum insured mentioned in certificate of insurance
Two options are available for claims payment under this benefit
1. we will reimburse difference of cost in original booking and alternate booking
2. we will pay a fixed amount as mentioned in certificate of insurance
Special conditions
1. Original booking and alternate booking should be of same class and for the same number of nights or same travel destination. Up gradation to higher
class will be considered in case similar alternate arrangement is not available
2. You must always check-in on time stipulated as ‘must check-in by’ time on your reservation or fulfil any other obligation on your part.
3. In case of international flights, you are expected to have web-checked-in prior to your arrival at the airport.
4. The overbooking at the common carrier must happen at check-in.
What is not covered (in addition to General exclusions- Section 4)?
1. Any booking for which You are unable to furnish proof of booking/payment and bounced booking.
2. Any contractual breach by You including but not limited to non-adherence to the terms and conditions of the booking service provider.
3. If you had any waitlisted booking irrespective of whether such bookings have been promised to be confirmed later.
4. Claims where the alternative travel/accommodation arrangements is provided by the service provider.
5. If you volunteer to take a late flight (Voluntary denied booking).
3.25. Compassionate Visit
If You are hospitalized and someone from your immediate family is visiting you, then we will reimburse economy class travel cost for one such person
Special conditions
1. Provided there is no other adult traveling companion with you.
2. Provided that no Adult member of your Immediate Family is present at the location of your hospitalization.
3. Claim under this benefit will be applicable only if we have accepted claim under “emergency inpatient medical treatment” or “emergency inpatient
medical treatment with OPD” cover of this policy
4. You should have been hospitalization for a period of minimum 5 consecutive days
3.26. Escort of minor child
If You, accompanied only by minor children, are hospitalized and someone from your family is travelling to your location to escort minor children back to
city of residence, then we will reimburse
1. Economy class return travel ticket for one immediate family member along with reasonable costs of accommodation
2. Economy class travel ticket for minor children
Special conditions
1. The cover is available for a maximum of two minor children and we shall indemnify maximum of one such event during the policy period.
2. Provided there is no other adult traveling companion to take care of children.
3. Provided that no Adult member of your Immediate Family is present at the location of your hospitalization.
4. Claim under this cover will be payable only if claim is also payable under “Personal Accident” or “accidental death and disability (common carrier” or
“emergency inpatient medical treatment” or “emergency inpatient medical treatment with OPD” cover of this policy.
5. Hospitalization should have been for a continuous period of more than 48 hours and occurs not within 3 days of the completion of the trip.
6. This cover is not applicable for domestic travel insurance policies
3.27. Adventure Sports
By selecting this Cover, participation in adventure sports will be included in your policy.
Special conditions
1. Such extension will not result into any increase in Sum Insured of the respective Coverage.
2. Clause 15 of General exclusion stands waived for this cover

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 What is not covered (in addition to General exclusions- Section 4)?
3. Non-adherence to the guidelines / instructions of the organizers of adventure sports
4. Participation in a professional capacity and without supervision of trained professional
3.28. Sports Equipment hire
If the sports equipment being carried by You is lost because of the reasons mentioned below, then we will reimburse cost of renting the same type of
equipment
1. Robbery/ theft of the sports equipment
2. Baggage containing the sports equipment is lost or delayed for 12 hours or more by common carrier

Special conditions
1. If there is a compensation amount paid by the common carrier for Delay/loss, that amount will be deducted from the claim amount payable under this
cover.
2. This cover is not available for people who are traveling overseas on student visa for full time college or school education

Claim deductible- As shown on your certificate of insurance

What is not covered (in addition to General exclusions- Section 4)?
1. Loss, delay or confiscation or detention by customs, police or public authorities.
2. Any loss or theft, if you do not report it to the police within 24 hours of discovery or as soon as reasonably possible and request a written police report
3.29. Rented sports equipment damage or loss
If sports equipment which were rented out to You for Your personal use are damaged or lost, then We shall reimburse the penalty/ fine charged by the
sports equipment owner.
Special conditions
1. You shall ensure the safety of sports equipment at all times during the rental period.
2. You shall not pass on hired equipment to third parties.
3. The complete payment of Rental equipment has been made by You before the equipment is rented out You.
4. The hired equipment is NOT insured and insurance is not included in the normal rental tariffs.
5. You shall make sure that the sports equipment rented out to You are in good condition and without any damage.
6. This cover is not available for people who are traveling overseas on student visa for full time college or school education

Claim deductible- As shown on your certificate of insurance

What is not covered (in addition to General exclusions- Section 4)- In the case of theft, if you do not report it to the police within 24 hours of discovery
or as soon as reasonably possible and request a written police report
3.30. Sports Equipment Cover
If the sports equipment owned and carried by You is lost because of the reasons mentioned below, then we will reimburse the depreciated value of such
lost or damaged equipment
1. Robbery/ theft of the sports equipment
2. Baggage containing the sports equipment is lost by common carrier

Depreciation value to be calculated basis below table

Equipment age Up to 1 year Up to 2 years Up to 3 years Up to 4 years Up to 5 years More than 5 years
Applicable
50% 70% 75% 80% 90% 95%
depreciation

Special conditions
1. You shall ensure the safety of sports equipment at all times
2. You shall not pass on sports equipment to third parties.
3. The complete payment of sports equipment has been made by and you have the invoice for the equipment
4. The equipment is NOT insured
5. If there is a compensation amount paid by the common carrier for Delay/loss, that amount will be deducted from the claim amount payable under this
cover.
6. This cover is not available for people who are traveling overseas on student visa for full time college or school education

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Claim deductible- As shown on your certificate of insurance
What is not covered (in addition to General exclusions- Section 4)?
1. Loss, delay or confiscation or detention by customs, police or public authorities.
2. Any loss or theft, if you do not report it to the police within 24 hours of discovery or as soon as reasonably possible and request a written police report
3.31. Sports Activity Coverage
We will reimburse for the unused portion of the sports activity which you had already paid for or had contracted to pay (minus refunds) in case
1. You fall ill and medical practitioner has advised you to refrain from taking part in the sports activities
2. You are hospitalized
3. You have to cut short your trip and return to origin city

Special conditions
1. Reason for Hospitalization is admissible under “emergency inpatient medical treatment” or “emergency inpatient medical treatment with OPD” cover
of this Policy
2. Reason for cutting short your trip is admissible under “trip interruption” cover of this policy
3. This cover is not available for people who are traveling overseas on student visa for full time college or school education
Claim deductible- The claim deductible is as shown on your certificate of insurance
3.32. Loan Protector
If your Accident during the policy period causes your death, then we will pay the balance outstanding principal loan amount up to sum insured as on the
date of death.
Special conditions
1. We will not pay for any arrears or penalties levied by the bank or financial institution.
2. Claim under this cover will be payable only if claim under “personal accident ” or “accidental death or disability (common carrier)” cover of this policy
is also payable
3. This cover is not available for people who are traveling overseas on student visa for full time college or school education
3.33. Emergency Trip Extension
If duration of your trip is extended beyond the scheduled dates because of reasons mentioned below then we will extend period of insurance once for a
period of up to days as mentioned in certificate of insurance
1. Death of the Travelling Companion.
2. You or your travelling companion is hospitalized
3. Any natural disaster (declared by appropriate government authority) at your current location or at destination that forces you to extend the trip.
4. Cancellation or Re-scheduling of the common carrier due to unexpected strike, riot or Civil commotion at the port where the Trip got extended.
Special conditions
1. Reason for Hospitalization is admissible under “emergency inpatient medical treatment ” or “emergency inpatient medical treatment including OPD”
cover of this Policy
2. Any refundable amount pertaining to the original scheduled return ticket will be deducted from the admissible claim amount

What is not covered (in addition to General exclusions- Section 4)?

1. Any extension due to Childbirth, Pregnancy or related medical complications occurring to you or your immediate family member or traveling companion.
3.34. Upgradation to Business Class
If insured person is hospitalized for a period of 5 or more continuous days, then we will cover the extra cost incurred in upgrading the insured person’s
return ticket to business class by the most direct route from the place of hospitalization.
Special conditions
1. Claim under this benefit is payable only if claim under “ emergency inpatient medical treatment” or “emergency inpatient medical treatment including
OPD” cover of this Policy is also payable

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 2. Your return air travel to city of residence shall commence not later than 20 consecutive days from the date of discharge
3. If your economy class air ticket cannot be up-graded, then the Company’s maximum liability under this Benefit shall be limited to the difference
between the cost of the new business class ticket and the refund amount received on the economy class ticket cancelled
4. The Company shall not be liable to make any payment under this Benefit if you were originally booked to return to the Country of Residence/origin city
on a business class air ticket.
5. This cover is not available for people who are traveling overseas on student visa for full time college or school education
3.35. Study interruption
In case you have to discontinue your planned studies for remainder part of ongoing semester, then we will reimburse you for
1. The actual semester fees paid which cannot be refunded by the Educational Institution.
2. Booked Air tickets from the city of residence of the student to the country where Educational Institution is, provided interruption happens when the
insured is at his own city of residence.
3. Return Air-ticket back to insured’s city of residence, in case, interruption happens at the city of educational institution

This benefit can be availed subject to the following:

1. You are Hospitalized for more than 30 consecutive days
2. In case of death or Permanent Total Disability of any one of Your Immediate Family Member or the Sponsor during the policy period.

Special conditions
1. Any actual/possible refund amount from the Educational Institution will be deducted from the admissible claim amount.
2. Any actual/possible refundable amount pertaining to the original scheduled ongoing/return ticket will be deducted from the admissible claim amount.
3. In the event of a claim, only the figures shown on official invoice(s) from the educational institution and voucher(s) of payment of the said Tuition fees,
shall be used for calculating any reimbursement paid by us.
4. Simultaneous claims under “Study Interruption” cover and “Sponsor Protection” is not permitted.
5. This cover is available only for people who are traveling overseas on student visa for full time college or school education
6. This cover is not applicable for domestic travel insurance policies

What is not covered (in addition to General exclusions- Section 4)- Any exclusion mentioned in the “What is not covered?” Section of the “Personal
Accident” or “emergency inpatient medical treatment” or “emergency inpatient medical treatment including OPD cover applicable to You, Your Immediate
Family, your Sponsor.
3.36. Sponsor protection
In case of death or permanent total disability of your sponsor, as named in certificate of insurance, due to an accident during planned studies, we will cover
you up to the limits shown in your certificate of insurance for the below expenses
1. The unpaid tuition fees of your enrolled full-time study in a registered educational institution
2. One time return economy class air-ticket between the city of residence of the student and the city of Educational Institution.
Special conditions
1. Death/Permanent Total Disablement of Sponsor should occur during the covered period and the journey is also undertaken during the period of
insurance.
2. Any actual/possible refundable amount pertaining to the original scheduled return ticket will be deducted from the admissible claim amount, if any.
3. In the event of a claim, only the figures shown on official invoice(s) from the educational institution and voucher(s) of payment of the said Tuition fees,
shall be used for calculating any reimbursement paid by Us.
4. Simultaneous claims under “Study Interruption” cover and “Sponsor protection” is not permitted.
5. This cover is available only for people who are traveling overseas on student visa for full time college or school education
6. This cover is not applicable for domestic travel insurance policies
What is not covered (in addition to General exclusions- Section 4)- Any exclusion mentioned in the “What is not covered?” Section of the “Personal
Accident ” cover applicable to Your Sponsor
3.37. Cancer Screening and Mammography Examinations
We will reimburse the expenses incurred on your cancer screening and mammography examinations during the Risk Period.

Special conditions
1. Screening or examination has been prescribed by a medical practitioner
2. This cover is available only for people who are traveling overseas on student visa for full time college or school education
3. This cover is not applicable for domestic travel insurance policies

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.38. Bail bond
If the insured person is falsely arrested or wrongfully detained by any government or foreign authority during the Risk Period, then We will reimburse the
bail bond amount (as mentioned in certificate of insurance) in case you are acquitted by competent court and furnishing of relevant court documents.
Special conditions
1. Customers need to intimate us within 1 year of any incident that may rise to claim under this benefit
What is not covered (in addition to General exclusions- Section 4 )?
1. Insured Person has been charged with breaking the law with any criminal intent.
2. Insured Person has been charged with driving a vehicle at over the speed limit.
3.39. Waiver of deductible
By selecting this cover, deductibles applicable under each cover of this policy will be waived off.
3.40. Optional co-payment
By selecting this cover, co-payment of 20% will be applicable to all the payable/admissible claims under this policy.
3.41. Refund of Visa Fee
We will pay for re-imbursement of Visa fee if your Visa got rejected for no fault or negligence on your part provided that you had submitted all the valid
documents in order as directed by the Embassy of the respective Country for which the Visa is being applied and Visa application should be filed with the
respective Embassy well in advance and as per the prescribed processing time, if any.
Special conditions-
1. This cover is not available for multi-trip policies and people who are traveling overseas on student visa for full time college or school education
2. This cover is not applicable for domestic travel insurance policies
3.42. Home to home cover
We will extend the Coverage before /beyond the Period of Insurance for In-Patient treatment, Out-Patient and Personal Accident up to the sum Insured
for the following:
1. Starting of the Journey from Home (or any intermediate place) at the Country of Residence to the Airport for duration of 6 hours before the Scheduled
departure time of the Common Carrier
2. Return journey from the Airport to Home (or any intermediate place) after de-boarding the Common Carrier at the Country of Residence for duration
of 6 hours after the Actual arrival time

You should inform the Company immediately if you suffer an illness or injury and which occurs within the duration specified in this Benefit

Special conditions-
1. This cover is not available for people who are traveling overseas on student visa for full time college or school education
What is not covered (in addition to General exclusions- Section 4)- Any exclusion mentioned in “what is not covered?” section of “emergency inpatient
medical treatment”, “emergency inpatient medical treatment with OPD”, “emergency outpatient treatment” and “personal accident” cover of this policy
3.43. Political risk and catastrophe evacuation

We shall reimburse the cost of travel expenses to the City of Origin or nearest place of safety up to the cost of an economy class air ticket (one way) and reasonable
accommodation expenses , if incurred for a maximum of 7 days or Sum Insured specified in the Certificate of insurance if insured is unable to return to his
City of Origin when Officials in the country/city/state where insured is visiting , recommend that certain categories of persons which include the Insured
should leave the country/state/city or Insured is expelled from or declared persona non grata in the country/state/city he/she is in.

A Catastrophe (fire, flood, earthquake, Tsunami, Volcano Eruption, Strom, hurricane or epidemic due to contagious disease) has occurred in the country/
state/city the insured is in, necessitating his immediate evacuation in order to avoid risk of personal injury or illness to himself

In event of any of the contingencies covered hereunder occurring at the place Insured is visiting any time after the commencement of the trip and before
the termination of the same, immediate notice thereof shall be given by insured to Medical Emergency Assistance provider or to Us.

Our liability to make payment is only in excess of the Deductible as specified in Certificate of insurance
Specific Exclusions applicable to Political Risk and Catastrophe Evacuation:
The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the
Insured Person for:

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 1. Insured Violating the laws or regulations of the country from which he/she is to be evacuated
2. Failure to produce or maintain immigration, work, residence or similar visas, permits or other documentation
3. Failure to honor any contractual obligation or bond or too be any conditional license.
4. Insured being a national of the country from which he is to be evacuated
5. Circumstances that resulted in the Insured’s evacuation being in existence prior to the Insured entering the country or their occurrence being foreseeable
to a reasonable person before the insured entered the country
6. Any exclusion mentioned in the ‘General Exclusions’ section of this Policy.
3.44. Colleague Replacement
If an Insured Person is Hospitalized then We will reimburse the cost of an economy class return air fare to send a substitute person to complete the business
purpose for which the Insured Person was travelling provided that
1. Insured Person’s Hospitalization lasts for a period of at least 7 consecutive days
2. Insured Person’s travel was for a pre-arranged specific and specified business purpose
3. The substitute employee commences his journey within 30 days from the date of Hospitalization of the Insured Person
4. Substitute employee is in fact an employee and a proper substitute for the Hospitalized Insured Person
Special conditions-
1. This cover is not available for people who are traveling overseas on student visa for full time college or school education
2. This cover is not applicable for domestic travel insurance policies
3.45. Loss of Laptop, Tablet, Mobile Phone, Camera
We will provide coverage up to sum insured mentioned in policy schedule, only in the case of robbery, theft or if the belonging was stolen.
Two options are available for claims payment under this benefit
1. We will pay a fixed amount for the loss
2. We will indemnify the depreciated value. Depreciation value to be calculated basis below table

Equipment age Up to 1 year Up to 2 years Up to 3 years Up to 4 years Up to 5 years More than 5 years
Applicable
50% 70% 75% 80% 90% 95%
depreciation

Special condition- Coverage under this benefit is limited to laptop, tablet, mobile phone and camera
Claim deductible- The claim deductible is as shown on your policy schedule
What is not covered (in addition to General exclusions- Section 4)?
1. Any loss of item sent in advance or mailed or shipped separately
2. Any item that was in a baggage lost by common carrier
3. Loss, delay or confiscation or detention by customs, police or public authorities.
4. Any loss of software or data in laptop/ tablet/camera/mobile and any consequential loss
3.46. Mugging Benefit
We will pay a Lump sum benefit as mentioned in the Certificate of insurance, if the Insured Person is mugged in the country/city in which he/she is traveling.
Specific exclusions applicable to Mugging Benefit:
No claim will be paid if the incident is not reported to the local police within 24 hours of the assault and if no such report is obtained.
3.47. DEBIT/CREDIT CARD/FOREX CARD – FRAUD
In the event of loss or Theft of your bank issued debit/credit/forex card in a Country/city of Visit whilst on a Trip, we shall reimburse the financial loss
incurred by you, arising out of any fraudulent utilization of such card until the time of such loss or Theft being reported to issuing bank, up to the limit of
Sum Insured as mentioned in the Certificate of insurance.
Our liability to make payment is only in excess of the Deductible as specified in Certificate of insurance

This Benefit shall be payable subject to the following:

1. All claims made under this Benefit shall be payable in India and in Indian Rupees only.
2. The Insured Person must have taken all reasonable steps to avoid any loss, damage or expense.
3. The loss or Theft is to be reported to the issuing bank as soon as practicable, and a written police report is to be furnished to the Company.
4. A Deductible as mentioned in the Certificate of insurance shall be separately applicable for each and every claim made under this Benefit.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Specific Conditions applicable to Debit/Credit Card/Forex Card - Fraud:
i. This cover is not applicable for domestic travel insurance policies
Specific Exclusions applicable to Debit/Credit Card/Forex Card – Fraud:
We shall not be liable to make any payment for any claim under this Benefit of the Policy in respect of an Insured Person, directly or indirectly for, caused
by, arising from or in any way attributable to any of the following:
1. Any claims where the loss can or could have been recovered from any other source.
2. Any claims where the reporting procedures of the issuing bank have not been followed as soon as practicable from the time of the Insured Person
becoming aware of the loss or Theft.
3. Any claim where loss or Theft is not notified to the local police as soon as practicable from the time of the Insured Person becoming aware of the loss
or Theft.
4. Any claim arising out of a loss where Insured Person has left the card unattended.
5. Any costs incurred in procurement of a new card.
6. Any claims arising out of, or in connection with any contractual liability.
7. Any claim arising out of a loss where the Insured Person, his/her Immediate Family Member, relative, colleague, Travelling Companion or business staff
is involved as an accomplice or accessory.
8. Any loss or damage of a consequential nature.
9. Any financial loss or liability due to misuse of card occurring after the time of reporting the loss or Theft to the issuing bank.
10. Any claim, which is in any manner fraudulent or supported by any fraudulent statement or device, whether by the Insured Person or by any person
acting on behalf of the Insured Person.
11. Any loss falling under the ‘General Exclusions’ Section of the Policy.
3.48. Loss of deposit on cancellation (hotel & common carrier)
We shall cover the loss of irrevocable deposits or charges paid in advance or contracted to be paid towards hotel & Common Carrier, in the event of
necessary and unavoidable cancellation of Hotel and Common Carrier booking arrangement due to following listed reasons up to sum amount benefit as
mentioned in Certificate of insurance
1. Inclement Weather
2. Accident of Vehicle resulting in hospitalization of Insured or an admissible claim in the motor insurance policy along with the FIR proving that the
Insured Person was involved in an Accident with a third party,
3. Strike, Curfew, Failure of public transport, death of Insured Person, felonious assault fire & flood
4. The breakdown of a scheduled Common Carrier on which the Insured Person is travelling;
5. An breakdown on a motorway or thoroughfare, occurring ahead of the Common Carrier or any vehicle on which the Insured Person is travelling, which
causes an unexpected delay in arriving at the first Port of departure of the Common Carrier on which he/she has booked to travel

A Deductible as mentioned in the Certificate of insurance shall be separately applicable for each and every claim made under this Benefit.
Two options are available for claims payment under this benefit
1. We will pay a fixed amount for the loss
2. We will reimburse for the forfeited, non-refundable prepaid payments, made prior to the Insured Person’s departure date upto the maximum of a Sum
Insured as mentioned in the Certificate of insurance after adjusting the proceeds of canceling or preponing of the arrangement, if any.

Specific Exclusions to Loss of Deposit on Cancellation (Hotel & Common Carrier):

The Company shall not be liable to make any payment under this Policy for:
1. Common Carrier-caused delays, including an announced, organized sanctioned union labour strike that affects public transportation, unless the
commencement of the period of insurance is prior to a date when the strike is foreseeable. A strike is foreseeable on the date the labour union members
vote to approve a strike, unless the delay is due to breakdown of the Common Carrier.
2. Travel arrangements cancelled or changed by an airline, cruise line, or tour operator, unless the cancellation is the result of inclement weather.
3. Changes in plans by the Insured Person, an immediate family member, or travelling companion for any reason.
4. Adverse change in financial circumstances of the Insured Person, any family member, or a traveling companion.
5. Any business or contractual obligations of the Insured Person, any family member, or a traveling companion
6. Default by the person, agency, or tour operator from whom the Insured Person bought this Policy and/or made travel arrangements.
7. Any government regulation or prohibition.
8. On account of a felonious assault, where the Insured/Insured Person, any family member of the Insured/Insured Person, the traveling companion or
traveling companion’s family member has been a principal or accessory in the assault committed
9. Any exclusion mentioned in the ‘General Exclusions’ section of this Policy

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.49. Emergency Accommodation Coverage
We shall reimburse the additional cost of emergency accommodation up to a maximum of the Sum Insured mentioned in the certificate of insurance on
operation of perils below.
1. If the Insured Person could not stay in the accommodation originally booked due to fire, flood, earthquake, storm, hurricane, explosion, outbreak of
major infectious diseases.
2. The insured incur additional expenses for accommodation due to the hospitalization and or isolation/quarantine of insured/accompanying member(s)
in the visiting country/city travelling together due to any covered disease/illness/injury.
3. Additional Expenses incurred in accommodation due to a local government body declared lockdown in the visiting city, state or country preventing
travel back to India/origin city OR a lock down declared by state or government of India.
a. Additionally, the company shall also reimburse the difference of cost between the originally booked flight for scheduled journey which could not be
undertaken and the alternate flight arrangements made by the insured.

Our liability to make payment is only in excess of the Deductible as specified in Certificate of insurance/ certificate of insurance and as stated in the schedule
of cover. A Deductible as mentioned in the Certificate of insurance shall be separately applicable for each and every claim made under this Benefit.

Specific Exclusion applicable to Emergency Accommodation Coverage:

This benefit does not cover any other loss other than those mentioned above under the head “coverage”, directly or indirectly, in whole or in part, including
loss caused by or resulting from any exclusion mentioned in the ‘General Exclusions’ section of this Policy.
3.50. Travel Loan Secure
We shall indemnify the Insured Person, in case the Insured Person has borrowed, for the purpose of this Trip, from an NBFC/Bank or any other entity
authorized by relevant authorities in India.
Indemnity shall be provided to the extent of Principal Outstanding amount at the time of loss or Sum Insured as mentioned in the Certificate of Insurance
whichever is lower, due to the following perils:
1. Accident Death of the Insured Person,
2. Permanent Total Disablement of the Insured Person as defined in below table

S. No Description
1 Complete & Irrecoverable loss of 2 Limbs (both hands or both feet or one hand and one foot)
2 Complete & Irrecoverable loss of a Limb and an eye
3 Complete and irrecoverable loss of sight of both eyes
4 Complete and irrecoverable loss of speech & hearing of both ears

Proceeds may be paid to the lending entity provided that the Insured Person has assigned benefits under this section of the policy in favor of the entity.
The Insurer’s liability to make payment is only in excess of the Deductible as specified in Certificate of Insurance. A Deductible as mentioned in the
Certificate of insurance shall be separately applicable for each and every claim made under this Benefit.
Specific Exclusion applicable to Travel Loan Secure:
No claim under this section would be paid if the death or disablement is due to or caused by

1. Directly or indirectly caused by contributed to related to or aggravated or prolonged by childbirth or pregnancy or in consequence thereof,
2. Due to participation in adventure sports as a professional.
3. Any loss falling under general exclusion of the policy
Specific Conditions applicable to Travel Loan Secure:
1. This section does not cover the loan taken from any individual / firm / non-financial institution (including his/her own firm / Company) other than
Commercial Bank /licensed financial institutions.
2. This cover is not available for people who are traveling overseas on student visa for full time college or school education

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.51. Overseas travel service supplier insolvency
We will provide coverage to insured in case of insolvency of the overseas travel service provider of insured.
Two options are available for claims payment under this benefit
1. We will pay a fixed amount for the loss
2. We shall reimburse in case of pre booked tour by paying an advance with an Overseas Travel Service Provider located at the intended destination(s),
provided that Insured Person does not get intended service.
• The Company will pay the reasonable cost of such rearrangement but not exceeding the cost that the insured has already incurred for intended
journey and should be for the same standard of transportation and accommodation as was originally booked by the Insured for intended journey.
• In case of cancellation of journey because of non-rearrangement of Scheduled journey, the Company shall be liable only up to the extent of non-re-
fundable cost of unused travels for which the Insured has already paid, including agent’s fee for such cancellation but limited to the amount of
commission the agent had earned on pre-paid refundable amount of cancelled travel arrangements.
• Any additional expenses necessarily incurred on returning to Insured’s home including reasonable hotel accommodation and transport expenses
A Deductible as mentioned in the Certificate of insurance shall be separately applicable for each and every claim made under this Benefit.

Special condition:
1. Clause 11 of general exclusion is not applicable for this benefit.
2. This cover is not applicable for domestic travel insurance policies

Specific Exclusion applicable to Overseas Travel Service Supplier Insolvency:

1. If insolvency of any travel agent, tour wholesaler, tour operator or booking agent in India.
2. If at the relevant time, the travel services provider was insolvent or a reasonable person would have reason to expect the travel services provider might
become insolvent.
3. Accommodation expenses incurred after the pre-decided return date of the trip to insured’s town.
4. Any other loss falling under the General Exclusions of the Policy

3.52. Flight Delay

In the event of delay of the airlines, whilst on a Trip, at any Port specified in the Insured Person’s main travel booking, the Company shall pay for expenses
incurred on any alternate travel booking under any mode of transport(however travel booking superior to original category is not covered) post deduction
of compensation offered by service provider/Common Carrier or through any other source, for travelling to the next Intended Destination as per Insured
Person’s main travel booking up to the limit of Sum Insured as mentioned in the Certificate of insurance, if such delay is caused due to any of the following
reasons:
1. Inclement Weather
2. Any Strike, riots, industrial action at the Port or relating to the Common Carrier
3. Delay by the Airlines

Two options are available for claims payment under this benefit
1. We will pay a fixed amount
2. We shall reimburse cost incurred on any alternate travel booking

This Benefit shall be payable subject to the following:

1. The Insured Person shall submit to the Company sufficient proof to substantiate the reason for such delay of the Common Carrier, unless this proof is
available to the Company directly from a reliable source in the public domain;
2. The delay of the Common Carrier is in excess of the number of hours specified in the Certificate of insurance from the scheduled time of the Common
Carrier at the Port.
3. The Company shall be liable under this Benefit for only one delay, as specified in the Certificate of insurance, encountered by the Insured Person during
the Period of Insurance, irrespective of whether the Policy is Single Trip or Multi Trip Policy.
4. The Insurer’s liability to make payment is only in excess of the Deductible as mentioned in the Certificate of insurance. A Deductible as mentioned in
the Certificate of insurance shall be separately applicable for each and every claim made under this Benefit.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Specific Exclusions applicable to Flight Delay (Airlines):
The Company shall not be liable to make any payment for any claim under this Benefit of the Policy in respect of an Insured Person, directly or indirectly
for, caused by, arising from or in any way attributable to any of the following:
1. Any delay due to reasons, which were made public or known to You at least 6 hours prior to the scheduled departure of the Common Carrier..
2. Any exclusion mentioned in the “General Exclusions” Section of this Policy.

3.53. Mobility Aids Allowance

We shall reimburse the charges incurred by the Insured Person for procuring medically necessary prosthetic devices within 365 days of the Accidental
injury on the written advice of the treating Medical Practitioner during the policy period by the Insured Person up to the maximum of the sum insured as
mentioned in the Certificate of Insurance

These devices are artificial devices replacing body parts, including artificial limbs, arms or eyes, orthopedic braces (including but not limited to Cane,
Crutches, forearm crutch, Walkers, Walker cane hybrid, Gait trainers, Seated walking scooter, Wheelchairs and scooters, Stairlifts and similar devices,
patient transfer devices and other aids of similar utility arm, back or neck braces) and durable medical equipment (including but not limited to crutches,
wheelchairs, power mobility devices, and hospital beds) which fulfils the Insured Person’s basic medical needs consequent to an injury.

Specific Exclusion applicable to Mobility Aids Allowance:

Durable medical equipment excludes spectacles, contact lenses, hearing aids, blood pressure monitoring machine and diabetes monitoring machine.

Specific Conditions applicable to Mobility Aids Allowance:

For a claim to be admissible under this cover there should be an admissible claim under benefit ‘Emergency In-patient medical treatment’ or ‘Emergency
In-patient medical treatment with OPD’ or ‘Personal Accident’ or ‘Accidental Death and Disability (Common Carrier)’
3.54. Lifestyle Support (Modifications Made at Home/Vehicle )
In case of Permanent Total Disability, certified by the Medical Practitioner, we will pay benefit amount towards modification of the Insured Person’s
residential accommodation and/or vehicle.
Specific Conditions applicable to Lifestyle Support:
For a claim to be admissible under this cover there should be an admissible claim under benefit ‘Personal Accident’ or ‘Accidental Death and Disability
(Common Carrier)’
3.55. Missed Departure
We shall pay a fixed benefit amount as mentioned in the Certificate of insurance, if Insured Person misses his flight due to:
i. Accident of the Public Transport on which the Insured Person is booked to travel or
ii. Mechanical/electrical breakdown of the Public Transport or
iii. any delay in arrival of Public Transport as a result of major travel event or delayed arrival of the inward flight, resulting in failure of the Insured Person
to board the connecting flight, anytime during the entire Trip starting from his departure to destination to return to Home.
Specific Conditions applicable to Missed Departure:
1. Insured Person may claim only either under Trip Delay or Missed Departure and not under both the covers
2. Benefit shall not be applicable if,
i. The Insured Person’s failure to arrive for the Flight’s departure in sufficient time to complete all departure formalities in accordance with the
Carrier’s published time schedule.
ii. Any occasion when the carrier has offered an alternative transport or connection or the Insured Person’s ticket for the connecting flight could have
been used for an alternative connection.
iii. Any change in schedule of airline which were made public or known to You at least 6 hours prior to the scheduled departure of the Common
Carrier.

3.56. Terrorism Cover

By selecting this benefit, insurance coverage will be extended to claims arising due to terrorism in your policy.
Special conditions
1. Such extension will not result into any increase in Sum Insured of the respective Coverage.
2. Clause 1 of General exclusion stands waived for this cover

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.57. Loss of Baggage and Personal Belongings
We will pay the pro-rated amount if your baggage is lost within policy period due to theft, larceny, robbery or hold up, up to a maximum of the Sum Insured
as mentioned in the Certificate of insurance.
Specific Conditions applicable to Loss of Baggage and Personal Belongings:
1. How pro-rata will work-> If you have checked-in 3 baggage’s and one was lost by common carrier, then we will pay one-third of the Sum Insured.
2. Claims must be supported by Documentary evidence

Specific Exclusions applicable to Loss of Baggage and Personal Belongings:

1. Any loss of money, coins or curios, sculptures, manuscripts, securities for money or any other negotiable instrument, stamp, rate books, medals, moulds,
designs or any other collectibles, bullion, deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books, documents of
any kind, inset precious stones, Jewellery, ATM or credit or charge cards.
2. Losses arising from any delay, detention, confiscation by customs officials or other public authorities
3. Property of the Insured Person which has been entrusted to a third party
4. Loss or damage to software or data or any other material including pictures stored in the Laptops, Mobile Phones, Cameras, iPads, iPods etc.,
5. Any consequential loss or damage.
6. Loss arising out of mysterious disappearance of the personal belongings.
7. Partial loss- Loss of one or more items from the baggage.
3.58. Loss of identity documents

We shall reimburse the actual expenses necessarily incurred by the Insured for obtaining a duplicate or fresh identity documents, if the original identity
proof documents (Driving License; PAN Card; Passport; Aadhar Card; Voter Id) or any other identity proof document acceptable in India is lost during the
covered Trip.

Specific Conditions applicable to Loss of Identity Documents:

The Insured Person has to report the loss to the police within 24 hours of becoming aware of the theft and a written police report being obtained in that
regard

Specific Exclusions applicable to Loss of Identity Documents:

In addition to the General Exclusions listed in the Policy, this coverage section shall not make any payment if the loss of document(s) is –
i. due to confiscation or detention by customs, police or other authorities.
ii. due to its being left unattended or forgotten by the Insured Person in a public place or in a Public Transport.
3.59. Key Replacement
We shall reimburse to the Insured Person the following expenses incurred towards:
Key Replacement – In the event of loss or theft of Key of the Insured Person’s residence or vehicle in India during his/her covered trip, we shall reimburse
the actual cost of replacing the residence and/or vehicle keys which are lost or stolen up to a maximum of the Sum Insured as mentioned in the Certificate
of Insurance. The covered cost is limited to the money the Insured Person paid to a locksmith to produce a new key.

Break-in Protection – We shall reimburse the actual cost incurred by the Insured Person towards replacing the locks and keys if his/her residence and / or
vehicle in India is broken into while the Insured Person is on a Covered Trip. The covered costs include the labor cost for replacing the lock.

Lock Out Reimbursement – We will reimburse you for the cost of obtaining a locksmith if you are locked out of your residence or your vehicle due to the
loss or theft of your keys.

Rental Car Reimbursement – We will cover the reasonable cost of a rental car if your vehicle keys are lost or stolen and it will take more than 24 hours to
replace them

Specific Exclusions applicable to Key Replacement:

We will not pay for:
1. costs other than those listed above
2. costs associated with lost or stolen keys for a residence other than your primary residence;
3. The cost to replace keys to vehicles that you do not own for personal use;

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Specific Conditions applicable to Key Replacement:
1. For break-in protection claims, you must provide an official police report that indicates the incident happened within the covered time frame in order
for us to pay the claim; unless you are legally incapable of doing so.
2. This cover is not available for people who are traveling overseas on student visa for full time college or school education

3.60. Change Fee Coverage

We shall reimburse to the Insured Person, the difference in the fare and the rescheduling charges charged by the Common Carrier to change the Travel
dates up to a maximum of the Sum Insured subject to the Co-payment as mentioned in the Certificate of Insurance provided, the trip is cancelled or
interrupted for a covered reason as stated below:
1. Unforeseen disease, illness, injury, or death of the Insured/Insured Immediate Family Member. Disease, injury or illness must be so disabling as to
reasonably cause a trip to be cancelled or interrupted as supported by medical records and opinion acceptable to the Company.
2. When Insured’s Principal residence and/or his intended place of stay at destination is rendered uninhabitable due to Fire, flood, vandalism or natural
disaster and also his place of business is rendered inoperative due to operation of said perils.
3. The Insured and/or his immediate family member have become victim of Felonious Assault in last 10 days prior to the departure date provided he/they
are not principal or an accessory in such felonious assault.
4. Inclement weather in the city or primary place of departure and / or at intended destination.
5. Terrorist Attack in the home city and/or at departing station and/or destination listed on the insured’s itinerary 3 days prior to the Insured’s departure
date and resulting that the Insured is unable to move out consequent upon such terrorist attack.
6. War like situation with closing of air space at the primary place of departure and / or at intended destination.
7. Civil Unrest, Riot and Strike in the home city and/or at departing station and/or intended destination (as defined in the policy) of the Insured making
the trip impossible, provided that
i. The Govt. of India issues a travel advisory.
ii. Airport is shut down forcing the Airline to delay the flight for more than 24 hours or to cancel the flight.
iii. Curfew is imposed by the City Administration.
8. In the event of Refusal of Visa application by the concerned authority the We shall reimburse the Insured Person up to the limit of Sum Insured and limit
as specified against this Benefit in the Certificate of insurance for expenses which are not recoverable from any other source. However, We will not be
liable to pay the benefit, if the visa refusal is due to any of the following reasons:
a. Visa application submission prior to issuance of policy
b. Past or current criminal actions of the insured
c. Damaged and invalid passport
d. Insufficient travel or income documents
e. Inability to prove travel itinerary or financial means of subsistence
f. Unacceptable birth or marriage certificate
g. Any error on the part of the insured while submission of the documents to the Visa Facilitation Authorities
9. In the event of delay in receipt of Visa from the concerned authority after the commencement of the cover, provided the insured has applied within the
stipulated time and documentation as per the visa application norms set by the respective visa authority.
Co-Payment:
It is also hereby agreed and declared that the Insured Person shall bear a co-payment of the 10% of the admissible claim amount in respect of each and
every claim.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.61. Identity Theft
If at any time during the policy period, the Insured Person shall incur expenses to resolve the Identity Theft, we shall reimburse the following expenses up
to a maximum of the sum insured as mentioned in the Certificate of Insurance
1. Legal Expenses– We will reimburse the Insured for the attorney and court fees incurred by the Insured for:
a. Defending any suit brought against the Insured by a creditor or collection agency or someone acting on their behalf as a result of the identity theft;
b. Removing any civil or criminal judgment wrongfully entered against the Insured as a result of the identity theft;
c. Challenging the accuracy or completeness of any information in the Insured Person’s consumer credit report provided this information is
inaccurate and falsely provided to the credit agency or financial institution as a result of identity theft.
2. Lost Wages - We will reimburse for the time taken from work solely as a result of the Insured Person’s efforts to correct his/her financial records
that have been altered due to identity theft. Payment of lost wages includes compensation for whole or partial unpaid workdays. The Insured must
take these unpaid days within 12 months of making a claim.
3. Obligation to pay - If any credit accounts and or bank accounts were opened in the Insured Person’s name without his/her authorization, we will
pay for the actual loss from the unauthorized account. We will pay for the legal obligation to pay a creditor when the account was created as part
of the Insured Person’s identity theft.
4. Miscellaneous Expenses – We will reimburse the following expenses:
a. The cost of re-filing applications for credit accounts or banking accounts that are rejected solely because the lender received incorrect
information as a result of identity theft;
b. The cost of notarizing documents related to the Insured Person’s identity theft, long distance telephone calls, and certified mail reasonably incurred
as a result of the Insured’s efforts to report an identity theft or to correct the financial and credit records that have been altered as a result of the
Insured’s identity theft;
c. The cost of contesting the accuracy or completeness of any information contained in the Insured Person’s credit history as a result of his/her identity
theft;
d. The cost of a maximum of 4 (four) credit reports from an entity approved by us. The credit reports shall be requested when you make a claim.

Specific Exclusions applicable to Identity Theft:

We will not pay for any expenses or loss as a result of:
1. Monetary losses other than those covered above
2. Any physical injury, sickness, disease, disability, shock, mental anguish and mental injury including required care, loss of services or death;
3. Requesting credit reports before the discovery of the Insured Person’s identity theft;
4. Taking time from self-employment or workdays that will be paid by the Insured’s employer in order to correct the financial records that have been
altered due to identity theft.
Specific Conditions applicable to Identity Theft:
1. The fraudulent account must have been opened in the Insured Person’s name without your authorization.
2. Any false charge or withdrawal from the unauthorized opened account must be verified by the Insured’s financial institution.
3. Coverage for false charges is limited to the amount that the Insured is held liable for by the financial institution.
4. We shall be permitted to inspect the Insured Peron’s financial records.
5. The Insured shall cooperate with us and help us to enforce any legal rights the Insured or we may have in relation to his/her identity theft; this may
include the Insured’s attendance at depositions, hearings and trials, and giving evidence as necessary to resolve his/her identity theft.
6. The expenses can be submitted up to 12 months after the Insured makes a claim

A Deductible as mentioned in the Certificate of Insurance shall be separately applicable for each and every claim made under this Benefit.
3.62. Medical sum insured replenishment in case of hospitalization due to accident
This benefit provides additional sum insured equal to “emergency inpatient medical treatment” benefit sum insured. This Sum Insured shall be applicable
only for In-patient hospitalization due to Accidental Injuries.
This cover will be available only once during the policy year and can be utilized only for that particular hospitalization due to Accidental Injuries.
The unutilized amount under this benefit cannot be carried forward.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.63. Carrier cancellation
We shall pay a fixed benefit as mentioned in the Certificate of Insurance in the event of the Insured Person’s booked and confirmed journey is cancelled by
the Common Carrier within three hours prior to the scheduled departure provided that:
The Insured Person provides Us with a written proof from the Common Carrier of the cancellation of the journey unless this proof is available to Us directly
from a reliable source in the public domain.
Specific Exclusions to Carrier Cancellation:
We will not pay for any expenses or loss as a result of:
1. Any cancellation of the journey by the Insured Person.
2. Any other loss falling under the General Exclusions of the Policy
3.64. Flight diversion
We shall pay a fixed benefit as mentioned in the Certificate of Insurance, if the Insured Person’s flight is diverted as a result of a major travel event.

Specific Exclusion applicable to Flight Diversion and Cancellation:

1. Any deviation from the originally scheduled route done at the instance of the Insured for reasons whatsoever.
2. Any occasion when the carrier has offered an alternative transport or connection or the Insured Person’s ticket for the connecting flight could have been
used for an alternative connection.
3.65. Cruise cover
We shall reimburse the following expenses incurred by the Insured Person in excess of the deductible up to a maximum of the Sum Insured as mentioned
in Certificate of Insurance during the Policy Period:

1. Missed Port Departure:

In the event where the Insured Person fails to arrive at the departure point in time to board the ship on which he/she has booked to travel on the initial
international journey of his trip as a result of:
a. The failure of scheduled public transport on which the Insured Person is travelling
b. An accident to or breakdown of the vehicle in which the Insured Person is travelling;
c. An accident or breakdown occurring ahead of him on a motorway or dual carriageway which causes an unexpected delay to the vehicle in which
Insured is travelling; or Strike, industrial action or adverse weather conditions

The Company shall reimburse the Insured Person reasonable additional accommodation (room only) and travel expenses necessarily incurred in joining
the cruise ship journey at the next docking port.
2. Unused Excursions:
The Company shall reimburse the cost of pre-booked excursions, which Insured Person was unable to use and which are not refundable from any other
source as a direct result of being confined by the medical officer on the ship to Insured Person own cabin due to an accident or illness which is covered
under the base Emergency Medical Expenses cover.
3. Cruise Interruption:
In the event of Insured Person requiring hospital treatment on dry land due to temporary illness, we shall reimburse the travel expenses incurred to
reach the next port in order to re-join the cruise. The Insured Person has to submit a certificate from the medical practitioner in attendance to confirm
the Insured Person’s unforeseen illness or injury.

The benefit payable under various heads of this cover shall not exceed the overall Sum insured mentioned as mentioned in the Certificate of insurance
for Cruise Cover.

The Insurer’s liability to make payment is only in excess of the Deductible as mentioned in the Certificate of insurance. A Deductible as mentioned in
the Certificate of insurance shall be separately applicable for each and every claim made under this Benefit.

Specific Exclusions applicable to Cruise Cover:

1. This benefit does not cover any other loss other than those mentioned above under the head “coverage”, directly or indirectly, in whole or in part,
including loss caused by or resulting from any exclusion mentioned in the ‘General Exclusions’ section of this Policy.
2. This cover is not available for people who are traveling overseas on student visa for full time college or school education

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

3.66. Waiver of sublimit for insured above 60 years of age
The sub-limit applicable for Insured above 60 years under the cover - Emergency In-patient Medical treatment or Emergency In-patient Medical treatment
with OPD shall stand waived subject otherwise to all the other terms, conditions, limitations and exceptions of the policy.
Special conditions-
1. This cover is not available for people who are traveling overseas on student visa for full time college or school education
3.67. All risk cancellation
In the event of cancellation of the Insured trip, the Company shall reimburse the Insured Person any non-refundable charges pre-paid by the Insured, in
excess of the deductible subject to the limit of Sum Insured shown in the Certificate of Insurance.
This covers shall commence from the date of policy issuance, or the date of booking the ticket (whichever is later), to the date when utilization of the ticket
to the intended place starts.
Special Condition applicable to All Risk Cancellation:
Any claim paid to the Insured Person under Trip Cancellation and/or Interruption shall invalidate the claim payment under this benefit.

3.68. Cancellation due to domestic disturbances and inconvenience

We shall reimburse the Insured Person any non-refundable charges pre-paid by the Insured, in excess of the deductible subject to the limit of Sum Insured
shown in the Certificate of insurer, provided the insured misses his trip resulting in cancellation of the insured trip due to any of the following reasons
1. Loss of passport at India
2. Visa not being accepted by Indian Immigration authorities
3. Loss of wallet and cards etc. while travelling to the International airport
4. Loss of baggage in the local transit by airline
5. Compulsory quarantine or prevention of travel by the Govt. of India

Special Condition applicable to Trip Cancellation due to Domestic Disturbances and Inconvenience:
Any claim paid to the Insured Person under Trip Cancellation and/or Interruption or All Risk Cancellation (if opted) shall invalidate the claim payment under
this benefit.

3.69. Complete pre-existing disease cover

Pre-existing diseases will be covered up to sum insured of “emergency inpatient medical treatment” or “emergency inpatient medical treatment including
OPD” after opting this cover.
Special conditions-
1. This cover is available only for people who are traveling overseas on student visa for full time college or school education
3.70. Covid Cover
In the event of Trip cancellation or Interruption of a covered trip due to necessary quarantine followed by COVID-19 positive report,
• we will reimburse the Insured Person for the non-refundable portion of the pre-paid lodging cost and/or the ticket cancellation charges, Visa charges,
any sightseeing booked, cruise ticket, events, which are paid in advance or contracted to be paid by the Insured Person in the event of cancellation of
trip (post deduction of compensation offered by service provider/Common Carrier or any other source).
3.71. Legal Expenses
We shall reimburse the legal costs upto a maximum of the Sum Insured mentioned in the Certificate of Insurance towards expenses incurred by the Insured
Person or the legal representative of the Insured Person, as the case may be, towards claims from third parties for compensation for Accidental death or
Disablement of the Insured Person arising due to an injury whilst on a trip abroad.

A Deductible as mentioned in the Certificate of insurance shall be separately applicable for each and every claim made under this Benefit.

Specific Exclusions applicable to Legal Expenses:

1. All the Specific exclusions applicable to Base Personal Accident Covers and Accidental Death and disability – Common Carrier shall be applicable to
this Section also.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 2. All exclusions mentioned in the ‘General Exclusions’ section of this Policy shall also apply to this Section
3.72. Psychiatric Counseling
We will pay for the Medical Expenses incurred for any psychiatric counseling undertaken by the Insured Person due to accidents/event encountered by
insured person during the trip. The cover will also include the cost of medicines if prescribed during such consultations.
This Cover will be payable provided that:
• We have accepted a claim of Personal Accident and/or Accidental death and disability in respect of the Insured Person or accompanying member;
• The counselling undertaken is for Medically Necessary Treatment and is commenced and continued on the written advice of the treating Medical
Practitioner;
• We will reimburse only those costs that are Reasonable and Customary Charges.
• The treatment is given by a registered and licensed counselor.
3.73. Physiotherapy
If an Insured Person suffers an illness or accidental Injury that occurs during the policy Period and that Injury solely and directly requires the Insured Person
to undergo physiotherapy, then we will reimburse the costs incurred on physiotherapy, up to a maximum of Sum Insured mentioned under this cover in
certificate of insurance in excess of the co-pay/sub-limit, if any.
This Cover will be payable provided that:
• We have accepted a claim of Personal Accident and/or Accidental death and disability in respect of the Insured Person;
• The physiotherapy undertaken is for Medically Necessary Treatment and is commenced and continued on the written advice of the treating Medical
Practitioner;
• We will reimburse only those costs that are Reasonable and Customary Charges.
• The treatment is given by a locally registered and licensed physiotherapist.
3.74. Kidnap distress allowance

If during the Period of Insurance, the Insured person is Kidnapped, We will pay the Policyholder/Nominee a fixed amount as specified in the Policy. Our
maximum liability in the event of this claim will be limited to the Sum Insured mentioned in the Certificate of insurance.
As a condition precedent to our liability, We must:
a. be provided with FIR copy as a proof that the event has actually occurred
b. Be given immediate notice of the event and periodic updates of any activity occurring during the incident
c. Notify the national or other appropriate law enforcement agency having jurisdiction over the matter.
3.75. Search and rescue expenses
If insured become lost, Injured, disoriented or missing, while on Trip and while insured is engaging in recreational activities that are considered reasonably
safe considering that person’s abilities and expertise, We will pay a benefit on insured’s behalf, for the costs of one (1) organized Search and Rescue by
appropriate authority(ies), up to the Sum insured mentioned in the certificate of insurance.
We will pay the benefit if private search agencies are hired and:
1. A formal report is made for insured that is in need of a Search and Rescue to an agency or authority which can activate a Search and Rescue;
2. The agency or authority is provided with enough specific and credible details of how, when, where insured might be located, so that an official and
organized Search and Rescue can be activated;
3. a determination that Search and Rescue Services are necessary must be made by the appropriate authority(ies) coordinating the Search and Rescue
effort.
Insurer or our designated Travel Assistance Services Provider should authorize expenses for Search and Rescue in advance. In the event that insured’s
circumstances prevent prior authorization of the Search and Rescue efforts, Our designated Travel Assistance Services Provider must be notified as soon
as reasonably possible.
3.76. Medical Tele-consultation
By selecting this benefit, customer can avail unlimited tele-consultations with General Physician. This benefit is available within our Network only.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

4. General Exclusions
Specific Exclusions

We will not make any payment for any claim directly or indirectly for, caused by, or in any way attributable to any of the following unless expressly stated to the
contrary in this Policy:
1. Treatment for any Injury or Illness resulting directly or indirectly from nuclear, radiological emissions, war or war like situations (whether war is declared or
not), rebellion (act of armed resistance to an established government or leader), acts of terrorism
2. Your participation in any naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy,
whether foreign or domestic.
3. Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent
(Code-Excl10)
4. Obesity or any weight control program.
5. Maternity Expenses (Code-Ecxl18)
a. Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during Hospitalization) except
ectopic pregnancy;
b. Expenses towards miscarriage (unless due to an Accident) and lawful medical termination of pregnancy during the Policy Period.
6. Unproven Treatments (Code-Excl16)- Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven
treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
7. The provision or fitting of hearing aids, spectacles or contact lenses including optometric therapy, any treatment and associated expenses for alopecia,
baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
8. Non-prescription drugs or treatments
9. If the Insured Person is travelling against the advice of a Doctor or is receiving or on a waiting list for specified medical treatment.
10. Any claim for your death, injury, medical condition or disability resulting from;
a. your suicide or attempted suicide or wilfully self-inflicted injury or illness; or
b. your consumption of alcohol or drugs or substance abuse
c. depression
11. Claims resulting from any tour operator, travel agent, airline or other service provider becoming insolvent and not being able or willing to carry out any part
of their duty to you. (overseas)
12. Any claim for an incident that results from your involvement in any unlawful activities or violation of operating/safety guidelines published by the service
provider contracted by you.
13. Any claim originating in a country against whom Indian government has imposed travel restrictions, or any country which has imposed such restrictions
against citizens of India
14. Any claim where trip was specifically planned for the purpose of availing treatment of an existing medical condition (Medical tourism)
15. Any claim for an incident which happens during the trip that results from taking part in any adventure sports unless specifically covered
16. Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as
part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be
certified by the attending Medical Practitioner (Code- Ecxl08);
17. Investigation & Evaluation- Code- Excl04
a. Expenses related to any admission primarily for diagnostics and evaluation purposes only
b. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment
5. General Terms and Clauses
5.1. Condition Precedent to Admission of Liability
The terms and conditions of the policy must be fulfilled by the insured person for the Company to make any payment for claim(s) arising under the policy.
5.2. Insured person
Only those persons named as Insured Persons in the Schedule/Certificate of Insurance shall be covered under this Policy.
If an Insured Person dies, he/she will cease to be an Insured Person upon Us/Administrator receiving all relevant particulars in this regard. We will return a
rateable part of the premium received for such person IF AND ONLY IF there are no claims in respect of that Insured Person under the Policy.
5.3. Reasonable Care
Insured persons shall take all reasonable steps to safeguard the interests against any illness or injury that may give rise to a claim.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

5.4. Material change
It is a condition precedent to the Company’s liability under the Policy that the Policyholder shall immediately notify the Company in writing of any material
change in the risk on account of change in nature of occupation or business at his own expense. The Company may, in its discretion, adjust the scope of
cover and/or the premium paid or payable, accordingly.
5.5. Free look period
This Clause shall be applicable only for the policies which are issued for a period of at least 365 days. This clause is not applicable on policy renewal.
a. The Policyholder may, within 15 days from the receipt of the Policy document, return the Policy stating reasons, if the terms and conditions are not
acceptable to the Policyholder.
b. If no Claim has been made under the Policy, the Company will refund the premium received after deducting proportionate risk premium for the period
on cover and stamp duty charges. If only part of the risk has commenced, such proportionate risk premium shall be calculated as commensurate with
the risk covered during such period.
5.6. Extension of the policy period
a. Extension of the Policy Period for a Single Trip Policy-
On the Policyholder’s written request, the Company may at its sole discretion extend the Policy Period provided that the total Policy Period shall not
exceed 365 days. If any Claim has been made under the Policy in respect of the original Policy Period then the Insured shall be entitled to all benefits
payable on fixed basis for which any claim has not been made with the company earlier under the same policy. For other benefits where the payment
is on indemnity basis, balance sum insured shall be available during the extended policy period.
b. Extension of the Geographical Scope of the Policy
i. On the Policyholder’s written request, the Company may at its sole discretion extend Geographical Scope of the Policy specified in the Certificate
of insurance provided that the additional premium specified by the Company is received in advance of commencement of coverage and provided
that the Insured Person has not already entered any part of the proposed extended Geographical Scope of the Policy or made any medical related
Claim under the Policy.
c. All requests for extensions must be made at least 1 day before the expiry of the original Policy Period and accompanied by all the following information
and documents:
i. Duly completed application for extension;
ii. Details of complete particulars of all Claims;
iii. A good health declaration.
d. However, if the request to extend the Policy is received within 3 days of the Policy Period End Date then coverage shall be reinstated, at Company’s sole
discretion subject to underwriting, with effect from Policy Period End Date on the date of receipt of premium by the Company. In such case Company
shall not be liable for any Claim arising during the Policy Period End Date and date of receipt of premium.
e. This product may be withdrawn by the Company after due approval from the IRDA. In case this product is withdrawn by the Company. This Policy can
be extended under the then prevailing product or its nearest substitute approved by IRDA. The Company shall duly intimate the Policyholder regarding
withdrawal of this product and the options available to the Policyholder at the time of extension of this policy.
5.7. Termination/ cancellation
a. Cancellation of Policy, at a date earlier than the Policy Period End Date can be done only upon :-
i. Denial of visa OR
ii. Cancellation of trip OR
iii. Early return of the individual to India
For cancellations due to above reasons, adequate documentary proof including but not limited to written request from customer & copy of passport/Visa
denial letter would need to be provided.
b. If policy is cancelled before policy start date then full premium will be refunded.
c. The policyholder may request for cancellation of the policy. The company shall cancel the policy and premium will be refunded if customer has sent
cancellation request prior to policy end date. No refund will be made if cancellation request is received after policy end date. Also, if policy period is less
than a day then no refund will be made if cancellation request is received after start of trip.

Refund amount = Amount of premium paid for the original policy period less the premium applicable by taking the request date as the new policy
period end date.

Example - Mr. X has purchased a single trip policy with trip duration as 90 days for a premium of Rs. 9,000. He curtails the trip after 30 days. The
premium for 30 day single trip is Rs. 4,200, hence refund 9,000 less (4,200) = Rs. 4,800.
d. Policies with term equal to or more than 1 year, premium will be refunded on short scale basis as under:

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Policy Refund Premium (%)
in-force up to Less than 1 year 1 year 2 years 3 years
Up to 30 days 0% 75% 87.5% 90%

31 to 90 days 50% 75% 87.5%

91 to 180 days 25% 62.5% 75%

181 to 365 days 50% 60%

366 to 455 days 25% 50%

456 to 545 days 12% 25%

0%
545 to 720 days 12%

0%
Exceeding 720 days 0%

The above grid shall be applicable for ‘Yearly / Annual’ premium payment frequency. For Half Yearly or Quarterly premium payment frequencies, the
Company shall refund premium as per below grid:

No. of completed Refund %

months at
the time of Half-Yearly Quarterly
cancellation
0 62.5% 50%
1 33.3% 16.7%
2 25% 0%
3 8.3% 50%
4 4.2% 16.7%
5 0% 0%
6 62.5% 50%
7 33.3% 16.7%
8 25% 0%
9 8.3% 50%
10 4.2% 16.7%
11 0% 0%

For monthly premium payment frequency, no refund shall be applicable for cancellation of the Policy.
e. The company may also initiate cancellation of the policy in case any untrue or incorrect statements are made or there has been a misrepresentation,
mis-description or non-disclosure of any material particulars or any material information having been withheld, or if a Claim is fraudulently made or
any fraudulent means or devices are used by the Policyholder or the Insured Person or any one acting on his / their behalf.
f. No refund of premium shall be eligible in case of cancellation of this Policy where a Claim has been incurred under the Policy.
5.8. Limitation of liability
Any Claim under this Policy for which the notification or intimation of Claim is received 12 calendar months after the event or occurrence giving rise to the
Claim shall not be admissible, unless the Policyholder proves to the Company’s satisfaction that the delay in reporting of the Claim was for reasons beyond
his control.
5.9. Other insurance
If at the time when any claim is made under this Policy, Insured Person has two or more policies from one or more Insurers to indemnify treatment cost,
which also covers any claim (in part or in whole) being made under this Policy, then the Insured Person shall have the right to require a settlement of his/
her claim in terms of any of his/her policies. The insurer so chosen by the Insured Person shall settle the claim, as long as the claim is within the limits of
and according to terms of the chosen Policy.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Also where the Insured Person has two or more policies from one or more Insurers, then the Insured Person shall have the right to claim from other policy/
policies for the amounts which is disallowed under earlier chosen policy/ policies even if sum insured is not exhausted. The insurer so chosen by the Insured
Person shall settle the claim, as long as the claim is within the limits of and according to terms of the chosen Policy.

Provided further that, If the amount to be claimed under the Policy chosen by the Insured Person, exceeds the Sum Insured under a single Policy after
considering the deductibles or co-pay (if applicable), the Insured Person shall have the right to choose the insurers by whom claim is to be settled. In such
cases, the respective insurers may then settle the balance of the claimed amount as per the limits and according to terms of the respective Policy. This
clause shall only apply to indemnity sections of the Policy
5.10. Subrogation
You and/or any Insured Persons shall at Your own expense do or concur in doing or permit to be done all such acts and things that may be necessary or
reasonably required by Us for the purpose of enforcing and/or securing any civil or criminal rights and remedies or obtaining relief or indemnity from any
other party to which We are or would become entitled upon Us making reimbursement under this Policy, whether such acts or things shall be or become
necessary or required before or after Our payment. Neither You nor any Insured Person shall prejudice these subrogation rights in any manner and shall
at Your own expense provide Us with whatever assistance or cooperation is required to enforce such rights. Any recovery We make pursuant to this clause
shall first be applied to the amounts paid or payable by Us under this Policy and Our costs and expenses of effecting a recovery, whereafter We shall pay
any balance remaining to You. However, this clause shall not be applicable for benefit 18 which indemnifies the insured person for treatment cost incurred
due to diseases contracted during the period of travel.
5.11. Alterations to the Policy
This Policy constitutes the complete contract of insurance. This Policy cannot be changed or varied by anyone (including an insurance agent or broker)
except Us, and any change We make will be evidenced by a written endorsement signed and stamped by Us.
5.12. Notices
Any notice, direction or instruction under this Policy shall be in writing and if it is to:
a. Any Insured Person, it would be sent to You at the address specified in Schedule/endorsement/Certificate of Insurance.
b. Us, shall be delivered to Our address specified in the Schedule/Certificate of Insurance.
c. No insurance agents, brokers, other person/ entity unless authorised by Us is authorised to receive any notice on Our behalf.
5.13. Dispute Resolution Clause
Any and all disputes or differences under or in relation to this Policy shall be determined by the Indian Courts and subject to Indian law.
5.14. Cause of action
No claim shall be payable under this policy unless the event or occurrence giving rise to the claim occurs in the geographical scope specified in the
certificate of insurance.
5.15. Renewal
a. Single trip insurance policy is non-renewable
b. Multi-Trip Policy can be renewed subject to below conditions:
i. This Policy will automatically terminate at the end of the Policy Period unless renewed.
ii. We are under no obligation to give notice that it is due for renewal, or to renew it or to renew it on the same terms whether as to premium or
otherwise.
iii. In respect of all applications for renewal received by Us before the end of the Policy Period, we will ordinarily offer renewal terms unless We believe
that You or any Insured Person or anyone acting on Your behalf or on behalf of an Insured Person has acted in a dishonest or fraudulent manner
under or in relation to this Policy or the renewal of the Policy poses a moral hazard. We shall be entitled to call for and receive any information or
documentation before agreeing to renew the Policy, and in renewing We are not bound to renew for all Insured Persons.
iv. All applications for renewal of the Policy must be received by Us at least 30 days before the end of the Policy Period.
v. Grace period- delay in payment up to 30 days from the premium due date is allowed where you can still pay your premium and continue your
policy. Coverage would not be available for the period for which no premium has been received. Post 30 days from premium due date,
5.16. Redressal of Grievance:
ln case of any grievance the Insured Person may contact the company through
Website: www.nivabupa.com
Toll free: 1860-500-8888
E-mail: Email us through our service platform https://rules.nivabupa.com/customer-service/ (Senior citizens may write to us at:
seniorcitizensupport@nivabupa.com)
Fax: 011-4174-3397
Courier: Customer Services Department, D-5, 2nd Floor, Logix Infotech Park, opp. Metro Station,
Sector 59, Noida, Uttar Pradesh, 201301

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. If lnsured person is not satisfied
with the redressal of grievance through one of the above methods, Insured Person may contact the grievance officer at:
Head - Customer Services
D-5, 2nd Floor, Logix Infotech Park, opp. Metro Station, Sector 59, Noida, Uttar Pradesh, 201301
Contact No: 1860-500-8888
Fax No: 011-4174-3397
Email ID: Email our Grievance officer through our Grievance Redressal platform https://transactions.nivabupa.com/pages/grievance-redressal.aspx
For updated details of grievance officer, kindly refer the link https://www.nivabupa.com/customer-care/health-services/grievance-redressal.aspx If
the Insured Person is not satisfied with the above, they can escalate to our Grievance Redressal officer through our platform
https://transactions.nivabupa.com/pages/grievance-redressal.aspx.

lf lnsured person is not satisfied with the redressal of grievance through above methods, the Insured Person may also approach the office of lnsurance
Ombudsman of the respective area/region for redressal of grievance as per lnsurance Ombudsman Rules 2017 (Refer below Annexure).
Grievance may also be lodged at IRDAI lntegrated Grievance Management System –bimabharosa.irdai.gov.in

5.17. Premium Payment in Installments

Premium payment in installments is applicable only for policies with term equal to or more than 1 year.
lf the insured person has opted for Payment of Premium on an instalment basis i.e. Half Yearly, Quarterly or Monthly, as mentioned in the certificate of
insurance, the following Conditions shall apply (notwithstanding any terms contrary elsewhere in the policy)
i. Grace Period of 30 days in case of single premium policies, and a period of 15 days in case of other than single premium policies, would be given to
pay the instalment premium due for the policy.
ii. During such grace period, coverage will not be available from the due date of instalment premium till the date of receipt of premium by Company.
iii. The insured person will get the accrued continuity benefit in respect of the “Waiting Periods”, “Specific Waiting Periods” in the event of payment of
premium within the stipulated grace Period.
iv. No interest will be charged lf the instalment premium is not paid on due date
v. ln case of instalment premium due not received within the grace period, the policy will get cancelled.
vi. ln the event of a claim, all subsequent premium instalments shall immediately become due and payable.
vii. The company has the right to recover and deduct all the pending installments from the claim amount due under the policy.
5.18. Per Kilometer based Coverage
• Per Kilometer based coverage will be provided through our app/website or through a 3rd party app or website. It will be basis maps and location
services the app has access to (like Google maps).
Premium for Mountainous terrain will be higher, because of higher risk of travel in these areas. Regions under Mountainous terrain: Jammu &
Kashmir, Himachal Pradesh, Uttarakhand, Sikkim, Arunachal Pradesh, Nagaland, Mizoram, Manipur, Meghalaya and Tripura.
• This is applicable only for domestic travel
• Premium will be collected in advance
• RBI approved channels will be used to collect the premium- credit cards, net banking, debit cards, mobile wallets, UPI etc.
Customer can avail per km basis coverage by making a premium payment by either of below mentioned processes
i. Point to point: Customer will choose start point and destination point for his/her trip on the app. App will calculate the distance between the two
points and compute the premium accordingly. An additional 25% premium will be collected to ensure continuity of coverage should the distance
between the points vary for reasons like change in route. Multiple notifications/ messages will be sent to customers much before his/her premium
gets exhausted. This will allow customer to make an informed decision on whether to extend his/her coverage or not. He/she can extend coverage by
paying additional premium for fixed number of km’s (in multiples of 10 km).
ii. Fixed number of kms: Customer can buy coverage for fixed number of km’s (in multiples of 10km) and pay the premium accordingly. Multiple
notifications/ messages will be sent to customers much before their premium gets exhausted. This will allow customer to make an informed decision
on whether to extend his/her coverage or not. He/she can extend coverage by paying additional premium for fixed number of km’s (in multiples of
10 km).
Termination of cover
• Customer can voluntarily terminate the coverage.
• Automatic termination of coverage on complete utilization of premium or km’s bought.
• Automatic termination at the end of 30 days from coverage inception.

Return of Excess Premium: Unused balance or extra premium paid at the start of the coverage, will be returned to the customer at the time of coverage
termination.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

5.19. Assignment
The Policy can be assigned subject to applicable laws.
5.20. Pre-existing conditions
International single and multi-trip- We will not cover any type of Pre-existing Condition whether declared or not declared. However, in case of life
threatening medical condition we will cover pre-existing conditions up to 5% of “emergency in-patient medical treatment” sum insured and maximum up
to $2500.
Domestic single and multi-trip- We will not cover any type of Pre-existing Condition whether declared or not declared.
International Student Travel- We will not cover any type of Pre-existing Condition whether declared or not declared. However, in case of life threatening
medical condition we will cover pre-existing conditions up to 5% of “emergency in-patient medical treatment” sum insured and maximum up to $2500.
However, if customer opts for optional benefit “Complete pre-existing disease cover” then pre-existing conditions will be covered up to the sum insured of
“emergency inpatient medical treatment” cover.
5.21. Claims Process & Requirements
When outside India- In the case of an emergency or the need for medical treatment, please ensure that you or your family member contact
Europ Assistance
24*7 Emergency Contact for +91 22 6787 2092
Email address : nivabupa@europ-assistance.in

Assist America
Toll Free Number-18004252955
Email Id- medservicesindia@assistamerica.in

When in India-
Contact No: 1860-500-8888
Fax No.: 011-4174-3397
Email ID: nivabupa@europ-assistance.in

5.21.1. Notification of Claim

We or Our Assistance Company must be informed of any event or occurrence that may give rise to a claim under this Policy within 7 days of the
occurrence of the event giving rise to the claim.
5.21.2. Supporting Documentation required
Refer to annexure IV for complete list of documents required for claims
a. Dully filled and signed claims form and KYC Documents.
b. Death Certificate
c. Copy of Post-mortem report (wherever applicable)
d. Disability Certificate, issued by a Medical Board duly constituted by the Central and/or the State Government.
e. Original Final Hospital bill with detailed break-up and payment receipt (including pharmacy bills).
f. Medical Records, Case histories, investigation reports
g. A precise diagnosis of the treatment for which a claim is made.
h. Original Discharge summary with first and subsequent consultation/treatment papers.
i. Laboratory investigation reports with supporting prescriptions.
j. Copy of settlement letter from other insurance company or TPA
k. MLC/First Information Report (FIR) (in accident cases)
l. Legal heir certificate (not required if valid nomination exists)
IMPORTANT:
a. All documents MUST be submitted within 30 days from discharge.
b. For any delay in submission, You MUST provide the reasons in writing. We will condone such delay on merits (i.e. reasons beyond your control).
c. We reserve the right to ask for additional documents/reports from case to case basis.
d. We reserve the right to check and investigate the hospital / medical records from any doctor, Hospital, clinic, individual or institution.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 5.21.3. Claims payment
a. We shall be under no obligation to make any payment under this Policy unless We have received all premium payments in full in time and all
payments have been realised and We have been provided with the documentation and information We or Our TPA has requested to establish
the circumstances of the claim, its quantum or Our liability for it, and unless the Insured Person has complied with his obligations under this
Policy.
b. We will only make payment to Insured Person under this Policy. Receipt of payment by Insured Person shall be considered as a complete
discharge of Our liability against the respective claim under this Policy. In the event of Insured Person’s death, We will make payment to the
Nominee (as named in the Schedule/Certificate of Insurance), payments under this Policy shall only be made in Indian Rupees within India.
c. We are not obliged to make payment for any claim or that part of any claim that could have been avoided or reduced if the Insured Person
had taken reasonable care, or that is brought about or contributed to by the Insured Person failing to follow the directions, advice or guidance
provided by a Medical Practitioner.
d. We shall reject the claim by sending claim rejection letter to Insured Person or settle a claim by making the payment of claim that has been
admitted as payable by Us under the Policy terms and conditions within 30 days of receipt of last necessary document(s) / information and
any other additional information required for the settlement of the claim. All claims will be settled in accordance with the applicable regulatory
guidelines, including IRDAI (Protection of Policyholders Regulation), 2017. In case of delay in payment of any claim that has been admitted
as payable by Us under the Policy terms and condition, beyond the time period as prescribed under IRDAI (Protection of Policyholders
Regulation), 2017, we shall pay interest at a rate which is 2% above the bank rate from the date of receipt of last necessary document(s) to the
date of payment of claim. For the purpose of this clause, ‘bank rate’ shall mean the bank rate fixed by the Reserve Bank of India (RBI) at the
beginning of the financial year in which claim has fallen due.
e. Where the circumstances of a claim warrant an investigation in our Opinion, We shall initiate and complete such investigation at the earliest,
in any case not later than 30 days from the date of receipt of last necessary document. In such cases, We shall settle the claim within 45 days
from the date of receipt of last necessary document. In case of delay beyond stipulated 45 days , We shall be liable to pay interest at a rate 2%
above the bank rate from the date of receipt of last necessary document to the date of payment of claim.
f. All payments made shall be subject to an applicable Deductible (if any) for such payment for each and every claim made, and to the
Accumulation Limit.
g. All payments under this Policy will be in Indian Rupees only.

5.21.4. Fraud/ Dishonest or Fraudulent Claims

If any claim is in any manner dishonest or fraudulent, or is supported by any dishonest or fraudulent means or devices, whether by You or the
Insured Person or anyone acting on behalf of You or an Insured Person, then this Policy shall be:
a. cancelled ab-initio from the inception date or the renewal date (as the case may be), upon a 30 day notice by sending an endorsement to Your
address shown in the Schedule/Certificate of Insurance or the Policy may be modified by Us with the consent of the Proposer and
b. all benefits payable, if any, under such Policy shall be forfeited with respect to such claim

5.22. Possibility of Revision of Terms of the Policy

The Company, with prior approval of IRDAI, may revise or modify the terms of the Policy including.
5.23. Withdrawal of Product
a. In the likelihood of this product being withdrawn in future with due approval of IRDAI, the Company will intimate the Insured Person about the same
90 days prior to expiry of the Policy.
b. Insured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the
accrued continuity benefits such as cumulative bonus, waiver of waiting period etc. provided the Policy has been maintained without a break as per
extant regulatory framework.
5.24. Disclosure of Information

The Policy shall be void and all premium paid thereon shall be forfeited to the Company in the event of misrepresentation, mis-description or non-
disclosure of any material fact by the policyholder.

(Explanation: “Material facts” for the purpose of this policy shall mean all relevant information sought by the company in the proposal form and other
connected documents to enable it to take informed decision in the context of underwriting the risk)

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 ANNEXURE I - THE EXPENSES THAT ARE NOT COVERED OR SUBSUMED INTO
ROOM CHARGES / PROCEDURE CHARGES / COSTS OF TREATMENT
List I – Expenses not covered

Sl. No. Item Sl. No. Item Sl. No. Item

1 BABY FOOD 24 ATTENDANT CHARGES 47 LUMBO SACRAL BELT
EXTRA DIET OF PATIENT (OTHER THAN
NIMBUS BED OR WATER OR AIR BED
2 BABY UTILITIES CHARGES 25 THAT WHICH FORMS PART OF BED 48
CHARGES
CHARGE)
3 BEAUTY SERVICES 26 BIRTH CERTIFICATE 49 AMBULANCE COLLAR
4 BELTS/ BRACES 27 CERTIFICATE CHARGES 50 AMBULANCE EQUIPMENT
5 BUDS 28 COURIER CHARGES 51 ABDOMINAL BINDER
PRIVATE NURSES CHARGES- SPECIAL
6 COLD PACK/HOT PACK 29 CONVEYANCE CHARGES 52
NURSING CHARGES
7 CARRY BAGS 30 MEDICAL CERTIFICATE 53 SUGAR FREE Tablets
CREAMS POWDERS LOTIONS (Toiletries
8 EMAIL / INTERNET CHARGES 31 MEDICAL RECORDS 54 are not payable, only prescribed medical
pharmaceuticals payable)
FOOD CHARGES (OTHER THAN PA-
9 32 PHOTOCOPIES CHARGES 55 ECG ELECTRODES
TIENT’s DIET PROVIDED BY HOSPITAL)
10 LEGGINGS 33 MORTUARY CHARGES 56 GLOVES
11 LAUNDRY CHARGES 34 WALKING AIDS CHARGES 57 NEBULISATION KIT
ANY KIT WITH NO DETAILS MENTIONED
OXYGEN CYLINDER (FOR USAGE OUT-
12 MINERAL WATER 35 58 [DELIVERY KIT, ORTHOKIT, RECOVERY
SIDE THE HOSPITAL)
KIT, ETC]
13 SANITARY PAD 36 SPACER 59 KIDNEY TRAY
14 TELEPHONE CHARGES 37 SPIROMETRE 60 MASK
15 GUEST SERVICES 38 NEBULIZER KIT 61 OUNCE GLASS
16 CREPE BANDAGE 39 STEAM INHALER 62 OXYGEN MASK
17 DIAPER OF ANY TYPE 40 ARMSLING 63 PELVIC TRACTION BELT
18 EYELET COLLAR 41 THERMOMETER 64 PAN CAN
19 SLINGS 42 CERVICAL COLLAR 65 TROLLY COVER
BLOOD GROUPING AND CROSS MATCH-
20 43 SPLINT 66 UROMETER, URINE JUG
ING OF DONORS SAMPLES
SERVICE CHARGES WHERE NURSING
21 44 DIABETIC FOOT WEAR 67 AMBULANCE
CHARGE ALSO CHARGED
22 TELEVISION CHARGES 45 KNEE BRACES (LONG/ SHORT/ HINGED) 68 VASOFIX SAFETY
KNEE IMMOBILIZER/SHOULDER IMMO-
23 SURCHARGES 46
BILIZER

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 LIST II – ITEMS THAT ARE TO BE SUBSUMED INTO ROOM CHARGES
Sl. No. Item Sl. No. Item Sl. No. Item
BABY CHARGES (UNLESS SPECIFIED/
1 14 BED PAN 27 ADMISSION KIT
INDICATED)
2 HAND WASH 15 FACE MASK 28 DIABETIC CHART CHARGES
DOCUMENTATION CHARGES / ADMINIS-
3 SHOE COVER 16 FLEXI MASK 29
TRATIVE EXPENSES
4 CAPS 17 HAND HOLDER 30 DISCHARGE PROCEDURE CHARGES
5 CRADLE CHARGES 18 SPUTUM CUP 31 DAILY CHART CHARGES
ENTRANCE PASS / VISITORS PASS
6 COMB 19 DISINFECTANT LOTIONS 32
CHARGES
EXPENSES RELATED TO PRESCRIPTION
7 EAU-DE-COLOGNE / ROOM FRESHNERS 20 LUXURY TAX 33
ON DISCHARGE
8 FOOT COVER 21 HVAC 34 FILE OPENING CHARGES
INCIDENTAL EXPENSES / MISC.
9 GOWN 22 HOUSE KEEPING CHARGES 35
CHARGES (NOT EXPLAINED)
PATIENT IDENTIFICATION BAND / NAME
10 SLIPPERS 23 AIR CONDITIONER CHARGES 36
TAG
11 TISSUE PAPER 24 IM IV INJECTION CHARGES 37 PULSEOXYMETER CHARGES
12 TOOTH PASTE 25 CLEAN SHEET
13 TOOTH BRUSH 26 BLANKET/WARMER BLANKET

LIST III – ITEMS THAT ARE TO BE SUBSUMED INTO PROCEDURE CHARGES

Sl. No. Item Sl. No. Item Sl. No. Item
1 HAIR REMOVAL CREAM 9 WARD AND THEATRE BOOKING CHARGES 17 BOYLES APPARATUS CHARGES
DISPOSABLES RAZORS CHARGES (for ARTHROSCOPY AND ENDOSCOPY INSTRU-
2 10 18 COTTON
site preparations) MENTS
3 EYE PAD 11 MICROSCOPE COVER 19 COTTON BANDAGE
SURGICAL BLADES, HARMONICSCAL-
4 EYE SHEILD 12 20 SURGICAL TAPE
PEL,SHAVER
5 CAMERA COVER 13 SURGICAL DRILL 21 APRON
6 DVD, CD CHARGES 14 EYE KIT 22 TORNIQUET
7 GAUSE SOFT 15 EYE DRAPE 23 ORTHOBUNDLE, GYNAEC BUNDLE
8 GAUZE 16 X-RAY FILM

LIST IV – ITEMS THAT ARE TO BE SUBSUMED INTO COSTS OF TREATMENT

Sl. No. Item Sl. No. Item Sl. No. Item
1 ADMISSION/REGISTRATION CHARGES 7 INFUSION PUMP– COST 13 MOUTH PAINT
2 HOSPITALISATION FOR EVALUATION/ 8 HYDROGEN PEROXIDE\SPIRIT\ DISIN- 14 VACCINATION CHARGES
DIAGNOSTIC PURPOSE FECTANTS ETC
3 URINE CONTAINER 9 NUTRITION PLANNING CHARGES - 15 ALCOHOL SWABES
DIETICIAN CHARGES- DIET CHARGES
4 BLOOD RESERVATION CHARGES AND 10 HIV KIT 16 SCRUB SOLUTION/STERILLIUM
ANTE NATAL BOOKING CHARGES
5 BIPAP MACHINE 11 ANTISEPTIC MOUTHWASH 17 GLUCOMETER & STRIPS
6 CPAP/ CAPD EQUIPMENTS 12 LOZENGES 18 URINE BAG

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 ANNEXURE II SUBLIMIT APPLICABLE FOR INSURED ABOVE 60 YEARS OF AGE

Emergency Medical Expenses Age

Sum Insured in USD 61-70 Years 71-80 Years Above 80 Years
Up to US$ 1,00,000 US$17500 US$12500 US$7500
Above US$ 1,00,000 to US$ 5,00,000 US$22500 US$12500 US$7500
Above US$ 5,00,000 to Below US$ 10,00,000 US$27500 US$12500 US$7500
US$ 10,00,000 US$30000 US$20000 US$15000

ANNEXURE III – LIST OF INSURANCE OMBUDSMEN

Jurisdiction of Office
Office Details
Union Territory, District)
AHMEDABAD - Shri Kuldip Singh
Office of the Insurance Ombudsman,
Jeevan Prakash Building, 6th floor, Gujarat,
Tilak Marg, Relief Road, UT of Dadra & Nagar Haveli,
Ahmedabad – 380 001. Daman and Diu.
Tel.: 079 - 25501201/02/05/06
Email: bimalokpal.ahmedabad@cioins.co.in
BENGALURU - Smt. Neerja Shah
Office of the Insurance Ombudsman,
Jeevan Soudha Building,PID No. 57-27-N-19
Ground Floor, 19/19, 24th Main Road,
Karnataka.
JP Nagar, Ist Phase,
Bengaluru – 560 078.
Tel.: 080 - 26652048 / 26652049
Email: bimalokpal.bengaluru@cioins.co.in
BHOPAL - Shri Guru Saran Shrivastava
Office of the Insurance Ombudsman,
Janak Vihar Complex, 2nd Floor,
6, Malviya Nagar, Opp. Airtel Office,
Madhya Pradesh
Near New Market,
Chhattisgarh.
Bhopal – 462 003.
Tel.: 0755 - 2769201 / 2769202
Fax: 0755 - 2769203
Email: bimalokpal.bhopal@cioins.co.in
BHUBANESHWAR - Shri Suresh Chandra Panda
Office of the Insurance Ombudsman,
62, Forest park,
Bhubneshwar – 751 009. Orissa.
Tel.: 0674 - 2596461 /2596455
Fax: 0674 - 2596429
Email: bimalokpal.bhubaneswar@cioins.co.in
CHANDIGARH - Dr. Dinesh Kumar Verma
Office of the Insurance Ombudsman,
Punjab,
S.C.O. No. 101, 102 & 103, 2nd Floor,
Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadu-
Batra Building, Sector 17 – D,
rgarh),
Chandigarh – 160 017.
Himachal Pradesh,
Tel.: 0172 - 2706196 / 2706468
UT of Jammu & Kashmir, Ladakh and Chandigarh.
Fax: 0172 - 2708274
Email: bimalokpal.chandigarh@cioins.co.in

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

CHENNAI - Shri M. Vasantha Krishna
Office of the Insurance Ombudsman,
Fatima Akhtar Court, 4th Floor, 453,
Tamil Nadu,UT-
Anna Salai, Teynampet,
Pondicherry Town and
CHENNAI – 600 018.
Karaikal (which are part of UT of Pondicherry).
Tel.: 044 - 24333668 / 24335284
Fax: 044 - 24333664
Email: bimalokpal.chennai@cioins.co.in
DELHI - Shri Sudhir Krishna
Office of the Insurance Ombudsman,
2/2 A, Universal Insurance Building, Delhi &
Asaf Ali Road, Following Districts of Haryana - Gurugram, Faridabad, Sonepat &
New Delhi – 110 002. Bahadurgarh.
Tel.: 011 - 23232481/23213504
Email: bimalokpal.delhi@cioins.co.in
GUWAHATI - Shri Kiriti .B. Saha
Assam,
Office of the Insurance Ombudsman,
Meghalaya,
Jeevan Nivesh, 5th Floor,
Manipur,
Nr. Panbazar over bridge, S.S. Road,
Mizoram,
Guwahati – 781001(ASSAM).
Arunachal Pradesh,
Tel.: 0361 - 2632204 / 2602205
Nagaland and Tripura.
Email: bimalokpal.guwahati@cioins.co.in
HYDERABAD - Shri I. Suresh Babu
Office of the Insurance Ombudsman,
6-2-46, 1st floor, “Moin Court”,
Andhra Pradesh,
Lane Opp. Saleem Function Palace,
Telangana, UT of
A. C. Guards, Lakdi-Ka-Pool,
Yanam and
Hyderabad - 500 004.
part of UT of Pondicherry.
Tel.: 040 - 23312122
Fax: 040 - 23376599
Email: bimalokpal.hyderabad@cioins.co.in
JAIPUR - Smt. Sandhya Baliga
Office of the Insurance Ombudsman,
Jeevan Nidhi – II Bldg., Gr. Floor,
Bhawani Singh Marg, Rajasthan.
Jaipur - 302 005.
Tel.: 0141 - 2740363
Email: bimalokpal.jaipur@cioins.co.in
ERNAKULAM - Ms. Poonam Bodra
Office of the Insurance Ombudsman,
2nd Floor, Pulinat Bldg.,
Opp. Cochin Shipyard, M. G. Road,
Kerala, UT of Lakshadweep, Mahe-a part of UT of Pondicherry.
Ernakulam - 682 015.
Tel.: 0484 - 2358759 / 2359338
Fax: 0484 - 2359336
Email: bimalokpal.ernakulam@cioins.co.in
KOLKATA - Shri P. K. Rath
Office of the Insurance Ombudsman,
Hindustan Bldg. Annexe, 4th Floor,
West Bengal,
4, C.R. Avenue,
Sikkim, UT of
KOLKATA - 700 072.
Andaman & Nicobar Islands.
Tel.: 033 - 22124339 / 22124340
Fax : 033 - 22124341
Email: bimalokpal.kolkata@cioins.co.in

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Districts of Uttar Pradesh :
LUCKNOW -Shri Justice Anil Kumar Srivastava Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Alla-
Office of the Insurance Ombudsman, habad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,-
6th Floor, Jeevan Bhawan, Phase-II, Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur,
Nawal Kishore Road, Hazratganj, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda,
Lucknow - 226 001. Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar,
Tel.: 0522 - 2231330 / 2231331 Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar,
Fax: 0522 - 2231310 Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharath-
Email: bimalokpal.lucknow@cioins.co.in nagar.

MUMBAI - Shri Milind A. Kharat

Office of the Insurance Ombudsman,
3rd Floor, Jeevan Seva Annexe,
Goa,
S. V. Road, Santacruz (W),
Mumbai Metropolitan Region
Mumbai - 400 054.
excluding Navi Mumbai & Thane.
Tel.: 022 - 26106552 / 26106960
Fax: 022 - 26106052
Email: bimalokpal.mumbai@cioins.co.in
NOIDA - Shri Chandra Shekhar Prasad State of Uttaranchal and the following Districts of Uttar Pradesh:
Office of the Insurance Ombudsman, Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar,
Bhagwan Sahai Palace Etah, Kanooj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffar-
4th Floor, Main Road, nagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam-
Naya Bans, Sector 15, bodhanagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli,
Distt: Gautam Buddh Nagar, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar,
U.P-201301. Saharanpur.
Tel.: 0120-2514252 / 2514253
Email: bimalokpal.noida@cioins.co.in
PATNA - Shri N. K. Singh
Office of the Insurance Ombudsman,
1st Floor,Kalpana Arcade Building,,
Bazar Samiti Road, Bihar,
Bahadurpur, Jharkhand.
Patna 800 006.
Tel.: 0612-2680952
Email: bimalokpal.patna@cioins.co.in
PUNE - Shri Vinay Sah
Office of the Insurance Ombudsman,
Jeevan Darshan Bldg., 3rd Floor,
Maharashtra,
C.T.S. No.s. 195 to 198,
Area of Navi Mumbai and Thane
N.C. Kelkar Road, Narayan Peth,
excluding Mumbai Metropolitan Region.
Pune – 411 030.
Tel.: 020-41312555
Email: bimalokpal.pune@cioins.co.in

EXECUTIVE COUNCIL OF INSURERS,

3rd Floor, Jeevan Seva Annexe,
S. V. Road, Santacruz (W),
Mumbai - 400 054.
Tel.: 022 - 69038801/03/04/05/06/07/08/09
Email: inscoun@cioins.co.in
Shri B. C. Patnaik, Secretary General
Smt Poornima Gaitonde, Secretary

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 ANNEXURE IV – LIST OF DOCUMENTS REQUIRED FOR CLAIM
Benefit Documents required
Inpatient treatment • Claim Form (filled and signed by the Insured)

Hospital Daily Cash • Release of Medical information Form (filled and signed by the Insured)

Waiver of Deductible • Original pathological and diagnostic reports. discharge summary indoor case papers (if any) and prescrip-
tions issued by the treating Medical practitioner or Network Provider
Optional Co-payment
• Passport and Visa copy with Entry Stamp of Country of Visit and exit Stamp from India
Adventure Sports Cover
• FIR report of police (if applicable)
Home to Home Cover
• Original bills and receipts for
Extension to in-patient care
1. Charges paid towards Hospital accommodation, nursing facilities, and other medical services rendered
Ambulance Charge
2. Fees paid to the Medical Practitioner and for special nursing charges
Out-patient treatment
3. Charges incurred towards any and all test and / or examinations rendered in connection with the
Cancer Screening & Mammographic Examina- treatment.
tion
4. Charges incurred towards medicines or drugs purchased from a registered pharmacy other than the
New Born baby Cover Network provider duly supported by the prescriptions of the Medical Practitioner attending to the
Maternity Insured Person

Complete pre-existing disease cover 5. Any other document as required by the Company to assist the Claim.

Medical sum insured replenishment in case of

hospitalization due to accident

Waiver of sublimit for insured above 60 years

of age

Psychiatric Counseling

Physiotherapy

Terrorism cover

Medical tele-consultation

Medical evacuation • Medical reports and transportation details issued by the evacuation agency, prescriptions and medical report
by the attending Medical Practitioner furnishing the name of the Insured Person and details of treatment
rendered along with the statement confirm the necessity of evacuation.

• Documentary proof for expenses incurred towards the Medical Evacuation.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

Compassionate visit • A certificate from the Medical Practitioner recommending the presence in the form of special assistance to
be rendered by an additional member during the entire period of hospitalization. The certificate shall also
specify the minimum period in which person is admitted in the hospital.

• Discharge summary of the Hospital furnishing details including the date of admission and date of discharge.

• Stamped boarding pass with invoice used for the travel by the Immediate Family Member

• Copy passport of Immediate Family Member with entry and exit stamp.
Escort of Minor Child • A certificate from the Medical Practitioner specifying the minimum period of Hospitalization.

• Discharge summary of the Hospital furnishing details including the date of admission and date of discharge,

• Stamped Boarding pass used for the return travel of the child to the Country of Residence.

• Stamped Boding pass of the attendant from the Country of Residence to the place of hospitalization (if
attendant is necessary)

• Copy of passport of the child with entry and exit stamp

Upgradation to Business Class • A certificate from the Medical Practitioner specifying the minimum period of Hospitalization.

• Discharge summary of the Hospital furnishing the details including the date of admission and date of
discharge.

• Copy of the economy class air ticket issued by the Common Carrier indicating the cost of the ticket and
receipt for the refund of the fare of the Common Carrier and the cancellation charges retained

• Boarding pass and copy of business class ticket confirming the return journey and the cost of ticket
Dental Treatment • Original pathological or diagnostic reports and medical prescriptions issued by the treating Medical Practi-
tioner or Hospital

• Original Bills and receipts for:

1. Fees paid to the Medical Practitioner and special nursing charges: and

2. Charges incurred towards any and all test and / or examinations rendered in connection with the
treatment.

• Charges incurred towards medicines or drugs purchased from a registered pharmacy other than the Hospital
duly supported by the prescriptions of the Medical Practitioner attending to the Insured Person

• Any of the information or documents related to the treatment taken.

Personal accident • Medical reports giving the details of the Accident, nature of the injury, the extent of disability (if applicable)
and the details of the treatment provided
Adventure Sports Cover
• Death certificate (if applicable)

• Postmortem report, if conducted

• Police report

• Medical practitioner’s certificate in case of injury stating the reasons for and extent of the injury
Mobility Aids Allowance In addition to requirements of Personal accident,

• Invoices of the aids procured and fitted on insured

Lifestyle Support (Modifications Made at In addition to requirements of Personal accident,
Home/Vehicle )
• Invoices of the modifications made at home/ vehicle of insured
Common Carrier Accidental Death & Disabil- Additionally apart from the ones mentioned for personal accident
ity
• Valid ticket or certificate from the common carrier establishing insured persons bonafide travel in the affect-
ed common carrier at the time of the accident

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

Repatriation of Mortal Remains • Copy of the death certificate providing details of the place, date, time and the circumstances and cause of
death

• Copy of the postmortem certificate, if conducted

• Documentary proof for expenses incurred towards disposal of the mortal remains

• In case of transportation of the body of the deceased to the Country of Residence or Place of Residence, the
receipt for expenses incurred towards preparation and packing of the mortal remains of the deceased and
also for the transportation of the mortal remains of the deceased.
Repatriation of other insure persons Additional to the documents required for “repatriation of mortal remains”

• Security-stamped boarding pass of the flight

• Passport Copy with entry and Exit Stamp

• Cancellation receipt of originally booked return ticket

Trip Cancellation • If the reason for Cancellation /Interruption is Medical, Insured needs to produce a Medical Certificate and a
discharge summary from the Medical practitioner attending the patient. This must confirm the reason and
Change fee coverage need of Cancellation / Interruption.
Covid cover • Death certificate (if applicable)

• Covid positive report, if applicable

• Copy of cancellation proof of the booked tickets indicating the cost of ticket and receipt for the refund of
the fare of the Common Carrier towards the cancelled portion of the journey indicating cancellation charges
retained by the common carrier

• Copy of booking as well as cancellation confirmation (including status of refund) from the hotel/original
scheduled accommodation

• In case of cancellation due to loss of passport, FIR copies for loss of passport

• Judicial or Law enforcement agency order (if applicable)

• Documentary proof of Cancellation of Visa with reason for Cancellation (only for Trip Cancellation due to
Cancellation of Visa)

• A declaration from the Insured Person furnishing the circumstances that compelled him to cancel the journey

• Copy of contract under which customer needs to pay to service provider even after cancellation of trip
Trip Interruption Additionally apart from one mentioned under Trip Cancellation

• A declaration from the Insured Person furnishing the circumstances that compelled him to interrupt the
journey

• Details of new bookings for travel with tickets, invoices and receipts
Overseas travel service supplier insolvency Additionally apart from one mentioned under Trip Cancellation and Trip Interruption

• Proof of insolvency of service provider

Trip Delay • Security-stamped boarding pass of the flight which got delayed

Flight delay • Letter from the Common carrier stating reason and duration of Delay

• Passport Copy with entry and Exit Stamp

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

Total Loss of Checked-in Baggage • Property irregularity report issued by the appropriate authority.

• Voucher of the Common Carrier for the compensation paid for the non-delivery / short delivery of the
Checked-In Baggage.

• Copies of correspondence exchanged, if any, with the Common Carrier in connection with the non-delivery /
short delivery of the Checked-In baggage.

• Proof of ownership
Delay of Checked-in Baggage • Property irregularity report issued by the appropriate authority stating the scheduled time of delivery and
actual time of delivery of the Checked-in-Baggage.

• Voucher of the Common Carrier for the compensation paid for the delay in delivery of the Checked-in-Bag-
gage.

• Copies of correspondence exchanged, if any, with the Common Carrier in connection with the delay in deliv-
ery of the Checked-In baggage.

• Acknowledgement receipt from the Airline mentioning date and time of the delivery of the Baggage.
Loss of International Driving license • Copy of the police report

Loss of passport • Details of the attempts made to trace the lost item

• Original receipt for payment of charges to the authorities for obtaining a new or duplicate passport/ IDL

• Copy of lost passport or IDL

• Copy of new/duplicate passport/IDL

Personal Liability • Statement of Claim furnishing particulars of the event leading to the liability such as the court order

Legal expenses • Photocopy of the police report (wherever reported)

Hijack • Security stamped boarding pass of the flight which got hijacked

• Any Government notification confirming the hijack of the said Common Carrier
Missed Connection • Written confirmation from the carrier of the number of hours of delay and any compensation received
towards the delay
Missed Departure
• Details of Alternate travel arrangements offered by the carrier; however not accepted with reason of not
Cruise cover acceptance.
Emergency Trip Extension • Medical certificate with details of the date of admission and date of discharge together with the details of the
injury or illness and treatment rendered

• Death certificate (if applicable)

• A declaration from the Insured Person furnishing the circumstances that compelled him to extend the Trip.
Refund of Visa Fee (if Rejected) • Written copy of rejection reason from the embassy

• Passport copy of the insured

• Copy of confirmed ticket

Loss of Laptop, Tablet, Mobile Phone, Camera • FIR copy of the lost item(s)

Loss of baggage and personal belongings • Original bill or bill copy (if original bill not available) for Laptop/Tablet or Proof of purchase of the lost item/(s)

Loss of identity documents • Passport and Visa copy with entry and exit stamp

• Letter defining incidence of theft

Key replacement • Invoices for the expenses incurred on changing the key/lock

• FIR copy in case of break-in scenario

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

Bounced Booking- Hotel/Common Carrier • Written confirmation from the common carrier/accommodation provider/ticket provider stating the reason
and date of the service cancellation/ unavailability.
Carrier cancellation
• Any Receipts of refunds or travel vouchers provided in lieu of the original booking being dishonored
Emergency accommodation charges
• Bills and payment receipts for alternate tickets/ accommodation bookings
Study interruption • In relation to Death of the Immediate Family Member

1. Medical reports giving the details of the Accident and nature of injury

2. Death Certificate

3. Postmortem certificate

4. Police report

• In relation to Hospitalization of Insured Person

1. Documents as applicable to Benefit I

• In relation to Fees

1. Demand letter from Educational Institute raising such demand

2. Copy of the original fee schedule

3. Certificate from Educational Institute establishing the discontinuity of studies and re admission to the
same semester under the same course

4. Last semester passing certificate

5. Documentary proof of last fee paid

Sponsor protection • In relation to sponsor

1. Medical reports giving the details of the Accident and nature of injury

2. Death Certificate

3. Postmortem certificate

4. Police report

• In relation to unpaid fees

1. Demand letter from Educational Institute raising such demand

2. Copy of the original fee schedule

3. Certificate from Educational Institute establishing the continuity of studies

4. Last semester passing certificate

5. Documentary proof of last fee paid

Bail bond • Statement of claim furnishing particulars of the event

• Copy of the report and notice received from the government or statutory body/authority

• Copy of the application for bail and the evidence of cost incurred towards procurement of such bail
Financial Emergency Cash • Copy of complaint lodged with police authorities or FIR

Mugging Benefit

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

Loan protector • Medical reports giving the details of the Accident, nature of the injury, the extent of disability (if applicable)
and the details of the treatment provided
Travel loan secure
• Death certificate (if applicable)

• Postmortem report, if conducted

• Police report

• Loan documents from bank/ financial institution

Sports Equipment hire • Property irregularity report issued by the appropriate authority stating the scheduled time of delivery and
actual time of delivery of the Checked-in-Baggage.
Sports Equipment Cover
• Voucher of the Common Carrier for the compensation paid for the delay in delivery of the Checked-in-Bag-
gage.

• Copies of correspondence exchanged, if any, with the Common Carrier in connection with the delay in deliv-
ery of the Checked-In baggage.

• Acknowledgement receipt from the Airline mentioning date and time of the delivery of the Baggage.

• Copy of the police report in case of theft/ robbery

Rented Sports Equipment -damage or loss • Rent receipt of the hired sports equipment

• Copy of the police report in case of theft/ robbery

• Receipt of the penalty/ fine charged by equipment provider

Sports Activity Coverage • Medical practitioners report stating you to refrain from taking part in sports activities

• Hospital discharge summary

• Proof of advance payment made for the sports activity

• Documents mentioned in “trip interruption” (if applicable)

Colleague Replacement In addition to the ones mentioned for “in patient treatment”, below are also required

• Stamped boarding pass with invoice used for the travel by the “colleague replacement”

• Copy of passport of the “colleague replacement” with entry and exit stamp
Political risk and catastrophe evacuation • Invoice for accommodation used by insured

• Stamped boarding pass with invoice used for the travel

Debit/ Credit/ Forex Card Fraud • Copy of complaint lodged with police authorities or FIR

• Copy of complaint to card issuing bank/ financial institution

Loss of deposit on cancellation (hotel & • Security-stamped boarding pass of the common carrier which got cancelled
common carrier
• Letter from the Common carrier stating reason of cancellation

• FIR report of police (if applicable)

• Discharge summary of the Hospital furnishing details including the date of admission and date of discharge.

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

Emergency Accommodation Coverage • Invoice for accommodation used by insured

• Discharge summary of the Hospital furnishing details including the date of admission and date of discharge.

• Prof of restrictions put in place by local government

• Stamped boarding pass with invoice used for the travel

Identity theft • Copy of FIR

• Statement of Claim furnishing particulars of the event leading to the liability such as the court order
Flight diversion • Written confirmation from the common carrier/accommodation provider/ticket provider stating the reason of
diversion
All risk cancellation • Cancellation receipt
Cancellation due to domestic disturbances • FIR for lost items
and inconvenience
• Visa rejection letter

• Written confirmation from the common carrier confirming loss of baggage

• Proof of restrictions put in place by local government

• FIR copy
Kidnap distress
Search and rescue expenses allowance • FIR copy

• Invoice, if any

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 ANNEXURE V – POLICY BENEFIT TABLE
International

Indemnity/ Fixed International

Sr. No. Benefits Covered SI Options
Benefit Sum Insured Deductible
Emergency in-patient Medical USD 25K, 50K, 75K, 100K, 150K,
1.1 Indemnity Nil/50/100 Independent SI
Treatment 200K 250K, 3Lac, 5Lac
USD 25K, 50K, 75K, 100K, 150K,
Emergency In-patient Medical Treat- 200K 250K, 3Lac, 5Lac
1.2 Indemnity Nil/50/100 Independent SI
ment with OPD
With sublimit of 25% max up to 10K
Nil/50/100 (Waiting
2 Maternity Indemnity USD 2500, 5000, 10000 Independent SI
period 10m, 24m)

3 New Born Baby Cover Indemnity USD 2500, 5000, 10000 Nil/50/100 Part of Maternity SI

Emergency Outpatient Treatment USD 500, 1K, 2K, 3K, 4K, 5K, 6K, 7K,
4 Indemnity Nil/50/100 Independent SI
(OPD) 8K, 9K, 10K
USD 500, 1K, 2K, 3K, 4K, 5K, 6K, 7K, Part of Base Sum
5 Road Ambulance Cover Indemnity Nil
8K, 9K, 10K Insured
USD 25, 50, 75, 100, 200, 250 per
6 Hospital Daily Cash Benefit day Max 5 to 30 days in multiple of Nil/ 1 / 2 days Independent SI
5 days
USD 200 to 1000 in multiples of Part of Base Sum
7 Emergency Dental Treatment Indemnity Nil/50/100/200
100. Insured
8.1 Emergency Medical Evacuation Indemnity USD 5K, 10K, 15K, 20K, 25K, 50K, Nil/50/100 Part of Base SI
75K, 100K, 150K, 200K 250K, 3Lac,
8.2 Emergency Medical Evacuation Indemnity 5Lac Independent SI

9 Extension to Inpatient Care Indemnity Up to 7 days NA Part of Base SI

10.1 Accidental Death Benefit Independent SI
10.2 Permanent Total Disability (PTD) Benefit USD 5K to 50K in multiples of 5K Nil Part of AD
10.3 Permanent Partial Disability (PPD) Benefit Part of AD
11.1 Accidental Death—Common Carrier Benefit Independent SI
11.2 PTD - Common Carrier Benefit USD 5K to 50K in multiple of 5K NIL Part of AD carrier
11.3 PPD - Common Carrier Benefit Part of AD carrier
12.1 Repatriation of Mortal remains Indemnity USD 5K, 10K, 15K, 20K, 25K, 50K, Part of Base SI
75K, 100K, 150K, 200K 250K, 3Lac, Nil/50/100
12.2 Repatriation of Mortal remains Indemnity 5Lac Independent SI

13 Total Loss of Checked-in Baggage Benefit USD 100 to 1000 in multiples of 100 NIL Independent SI
14 Delay of Checked-in Baggage Benefit USD 100 to 500 in multiples of 100 1/2/3/5/6/24 hours Independent SI
USD 25 to 100 in multiple of 25 Post
15 Trip Delay Benefit 3/6/8/12 hours Independent SI
that in multiple of 50 up to 500
USD 500, 750, 1000. Post that in
16.1 Trip Cancellation Indemnity NIL/100/250/500/1000 Independent SI
multiple of 1000 till 10000
USD 500, 750, 1000. Post that in
16.2 Trip Cancellation Benefit NIL/100/250/500/1000 Independent SI
multiple of 500 till 5000
USD 500, 750, 1000. Post that in
17.1 Trip Interruption Indemnity NIL/100/250/500/1000 Independent SI
multiple of 500 till 10000

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 USD 500, 750, 1000. Post that in
17.2 Trip Interruption Benefit NIL/100/250/500/1000 Independent SI
multiple of 500 till 5000
18.1 Loss of Passport Indemnity Independent SI
USD 200 to 500 in multiple of 100 Nil
18.2 Loss of Passport Benefit Independent SI
19.1 Loss of International driving License Indemnity Independent SI
USD 200 to 500 in multiple of 100 Nil
19.2 Loss of International driving License Benefit Independent SI
20.1 Missed Connection Indemnity Independent SI
USD 500 to 1000 in multiple of 100 Nil
20.2 Missed Connection Benefit Independent SI
21 Financial Emergency Cash Benefit USD 500 to 1000 in multiple of 100 NIL Independent SI
USD 10K, 50K, 1Lac, 2Lac, 3Lac,
22 Personal Liability Indemnity NIL/100/200/500/1000 Independent SI
4Lac

23 Hijack Daily Allowance Benefit USD 25, 50, 75, 100 for 7 days 6/12 hours Independent SI

Bounced Booking- Hotel/Common

24.1 Indemnity Independent SI
Carrier
USD 100 to 1000 in multiples of 100 6/12 hours
Bounced Booking- Hotel/Common
24.2 Benefit Independent SI
Carrier
25 Compassionate Visit Indemnity USD 500 to 5000 in multiple of 500 NIL Independent SI
USD 1000 till 5000 in multiple of Nil and in multiple of 100
26 Escort of Minor Child Indemnity Independent SI
1000 up to 500

27 Adventure Sport Indemnity 100 % of Base SI Part of Base SI

28 Sports Equipment Hire Indemnity USD 500, 1000, 1500 2000 Nil/100 Independent SI
Rented sports equipment damage
29 Indemnity USD 500, 1000, 1500 2000 Nil/100 Independent SI
or loss
30 Sports Equipment Cover Indemnity USD 500, 1000, 1500 2000 Nil/100 Independent SI
31 Sports Activity coverage Indemnity USD 500, 1000, 1500 2000 Nil/100 Independent SI
32 Loan Protector Indemnity up to AD SI Nil Independent SI

33 Emergency Trip Extension Indemnity 7 Days, 15 Days, 30 Days Nil

34 Upgradation to Business class Indemnity USD 100 to 1000 in multiples of 100 Nil Independent SI
35 Study Interruption Indemnity USD 2000, 3000, 5000, 7500, Nil Independent SI
36 Sponsor Protection Indemnity 10000 Nil Independent SI
Cancer Screening & Mammographic
37 Indemnity USD 100 to 500 in multiple of 100 Nil Independent SI
Examination
USD 100 to 1000 in multiple of 100,
38 Bail Bond Indemnity NIL/100 Independent SI
2500, 5000, 7500, 10000
Deductible of all selected benefits
39 Waiver of Deductible NA NA NA
will be waived off

40 Optional Co-Payment NA 20% NA NA

41 Refund of Visa fee Indemnity USD 100 to 1000 in multiples of 100 Nil/100 Independent SI
42 Home to Home NA Up to Base SI NA NA
Political Risk and Catastrophe USD 2500 to 25000 in multiple of
43 Indemnity NIL/100/500 Independent SI
Evacuation 2500
44 Colleague Replacement Indemnity USD 500, 1000, 1500, 2000, 2500 NIL Independent SI

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Loss of Laptop, Tablet, Mobile, Phone,
45.1 Indemnity Nil/100/200 Independent SI
Camera
USD 100 to 2000 in multiples of 100
Loss of Laptop, Tablet, Mobile, Phone,
45.2 Benefit Nil Independent SI
Camera
46 Mugging Benefit Benefit USD 100 to 500 in multiple of 100 Nil Independent SI
Debit / Credit Card / FOREX CARD- USD 250 to 2500 in multiples of
47 Indemnity Nil/100 Independent SI
Fraud 250
Loss of Deposit on Cancellation (Hotel
48.1 Indemnity Nil/100 Independent SI
& Common Carrier)
USD 100 to 1500 in multiple of 100
Loss of Deposit on Cancellation (Hotel
48.2 Benefit Nil Independent SI
& Common Carrier)
Emergency Accommodation Cover-
49 Indemnity USD 250 to 3000 in multiple of 250 Nil/50/100 Independent SI
age
INR 1lac and in multiple of 1Lac till
50 Travel Loan Secure Indemnity INR 1K/5K/10K Independent SI
5Lac
Overseas Travel Service Supplier
51.1 Indemnity Nil/100 Independent SI
Insolvency
USD 500, 1000, 1500, 2000
Overseas Travel Service Supplier
51.2 Benefit Nil Independent SI
Insolvency
52.1 Flight Delay (Airlines) Indemnity Independent SI
USD 100 to 500 in multiples of 100 3/4/5/6 hours
52.2 Flight Delay (Airlines) Benefit Independent SI
53 Mobility Aids Allowance Indemnity USD 100 to 1000 in multiples of 100 Nil/100 Independent SI
Lifestyle Support (Modifications Made
54 Benefit USD 500, 1000, 1500, 2000, 2500 Nil Independent SI
at Home/Vehicle)
USD 150, USD 250 to 1500 in multi-
55 Missed Departure Benefit Nil Independent SI
ple of 250
56 Terrorism cover Covered Covered Independent SI
Loss of baggage and Personal USD 100 to 500 in multiple of 100,
57 Indemnity Nil Independent SI
Belongings 1000, 2500, 5000
58 Loss of Identity documents Indemnity INR 500, 1K to 10K in multiple of 1K Nil Independent SI
59 Key Replacement Indemnity USD 50 to 500 in multiple of 50 Nil Independent SI
60 Change Fee Coverage Indemnity USD 100 to 1000 in multiple of 100 10% co-payment/NA Independent SI
61 Identity Theft Indemnity USD 1K to 10K in multiple of 1K Nil Independent SI
Medical Sum Insured replenishment
Up to 100% of Basic Emergency
62 in case of hospitalisation due to Indemnity Nil Independent SI
Medical Expenses SI/sublimit
accident
63 Carrier Cancellation Benefit USD 100 to 1000 in multiples of 100 Nil Independent SI
64 Flight Diversion Benefit USD 100 to 1000 in multiple of 100 Nil Independent SI
65 Cruise cover Indemnity USD 1K to 10K in multiple of 1K NIL/100/500 Independent SI
Waiver of Medical sublimit for insured Part of Base Sum
66 Indemnity Covered Covered
above 60 years of age Insured
67 All Risk Cancellation Indemnity USD 500, 750, 1000 NIL/100/250/500/1000 Independent SI
Trip Cancellation due to Domestic
68 Indemnity INR 500, 1K to 10K in multiple of 1K 1000 Independent SI
Disturbances and Inconvenience

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 5%, 10%, 15%, 20%, 25%, 30%, 40%, Part of Base Sum
69 Complete Pre-existing disease cover Indemnity same as inpatient
50%, 75%, 100% of inpatient Insured
70 Covid Cover Indemnity USD 500 to 5000 in multiple of 500 Nil Independent SI
USD 2K, 4K, 5K, 10K, 50K, 1Lac,
71 Legal Expenses Indemnity NIL/100/200/500/1000 Independent SI
2Lac, 3Lac, 4 Lac
USD 100, 250 to 2500 in multiple
72 Psychiatric Counseling Indemnity NIL/50/100 Independent SI
of 250
USD 100, 250 to 1500 in multiple
73 Physiotherapy Indemnity NIL/50/100 Independent SI
of 250
74 Kidnap distress allowance Benefit USD 500 to 5000 in multiple of 500 Nil Independent SI
USD 2500 to 25000 in multiple of
75 Search and rescue expenses Indemnity Nil/5K/10K Independent SI
2500

76 Tele Medical Consultation NA Unlimited Consultations NA NA

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Domestic
Indemnity/Fixed Domestic
S.NO. Benefits Covered SI Options
Benefit Sum Insured in INR Deductible
Emergency In-patient Medical 50K, 75K, 100K, 150K,200K, 250K,
1.1 Indemnity Nil, 1000, 2500, 5000, 10000 Independent SI
Treatment 3Lac, 5Lac,10Lac
50K, 75K, 100K, 150K,200K, 250K,
Emergency In-patient Medical
1.2 Indemnity 3Lac, 5Lac,10Lac with OPD Sublim- Nil, 1000, 2500, 5000, 10000 Independent SI
treatment with OPD
it of 25%, max up to 20K

Emergency Outpatient treatment

2 Indemnity 1000 to 10000 in multiple of 1000 Nil/500/1000/1500/2000/2500 Independent SI
(OPD)

Part of Base Sum

3 Road Ambulance Cover Indemnity 2K to 10K in multiple of 1K Nil
Insured
SI options - 500 to 5000 in multi-
4 Hospital Daily Cash Benefit ple of 500 For maximum of 5 to 30 Nil/ 1 / 2 days Independent SI
days in multiple of 5 days

5 Emergency Dental Treatment Indemnity 2K to 10K in multiple of 1K Nil, 500, 1000, 2000 Independent SI

10K, 25K, 50K, 75K, 100K, Part of Base Sum

6.1 Emergency Medical Evacuation Indemnity
150K,200K, 250K, 3Lac, 5Lac, Nil, 1000, 2500, 5000, 10000 Insured
6.2 Emergency Medical Evacuation Indemnity 10Lac Independent SI
7.1 Accidental Death Benefit Independent SI
5K, 10k, 25K, 50K, 75K, 100K, 150K,
7.2 Permanent Total Disability (PTD) Benefit Nil Part of AD
250K, 3Lac, 5Lac,10Lac
7.3 Permanent Partial Disability (PPD) Benefit Part of AD
8.1 Accidental Death—Common Carrier Benefit Independent SI
5K, 10k, 25K, 50K, 75K, 100K, 150K,
8.2 PTD - Common Carrier Benefit NIL Part of AD carrier
250K, 3Lac, 5Lac,10Lac
8.3 PPD - Common Carrier Benefit Part of AD carrier
10K, 25K, 50K, 75K, 100K, Part of Base Sum
9.1 Repatriation of Mortal remains Indemnity
150K,200K, 250K, 3Lac, 5Lac, Nil, 1000, 2500, 5000, 10000 Insured
9.2 Repatriation of Mortal remains Indemnity 10Lac Independent SI
1K, 2K, 3K, 4K, 5K, 7.5K, 10K, 15K,
10 Total Loss of Checked-in Baggage Benefit NIL Independent SI
20K
1K, 2K, 3K, 4K, 5K, 7.5K, 10K, 15K,
11 Delay of Checked-in Baggage Benefit 1/2/3/5/6/12/24 hours Independent SI
20K
1K, 2K, 3K, 4K, 5K, 7.5K, 10K, 15K,
12 Trip Delay Indemnity 3/6/8/12 hours Independent SI
20K
13.1 Trip Cancellation Indemnity 1K, 2.5K, 5K to 25K in multiple of Independent SI
Nil
13.2 Trip Cancellation Benefit 5K Independent SI
14.1 Trip Interruption Indemnity 1K, 2.5K, 5K to 25K in multiple of Independent SI
Nil
14.2 Trip Interruption Benefit 5K Independent SI
15.1 Missed Connection Indemnity Independent SI
2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K Nil
15.2 Missed Connection Benefit Independent SI

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 16 Personal Liability Indemnity 10K to 1Lac in multiple of 10K Nil, 5000, 10000 Independent SI
17 Hijack Distress Allowance Benefit 500 to 5000 in multiple of 500 6/12 hours Independent SI
Bounced Booking – Hotel/Com-
18.1 Indemnity Independent SI
mon Carrier 1K to 5K in multiple of 1K Post that
6/12 hours
Bounced booking – Hotel/Common till 25K in multiple of 5K
18.2 Benefit Independent SI
Carrier
2.5K to 10K in multiple of 2.5K ,
19 Compassionate Visit Indemnity Nil Independent SI
15000, 20000
20 Adventure Sport Indemnity 100% of Base SI Nil Part of Base SI
21 Sports Equipment Hire Indemnity 2.5K to 20K in multiple of 2.5K Nil, 1000, 2000,3000, 5000 Independent SI
Rented sports equipment damage
22 Indemnity 2.5K to 20K in multiple of 2.5K Nil, 1000, 2000,3000, 5000 Independent SI
or loss
23 Sports Equipment Cover Indemnity 2.5K to 20K in multiple of 2.5K Nil, 1000, 2000,3000, 5000 Independent SI
24 Sports Activity coverage Indemnity 2.5K to 20K in multiple of 2.5K Nil, 1000, 2000,3000, 5000 Independent SI
25 Loan Protector Indemnity up to AD SI Nil Independent SI
26 Emergency trip Extension Indemnity 1/3/5/7 day Nil Independent SI
27 Upgradation to Business class Indemnity 2.5K to 25K in multiple of 2.5K Nil Independent SI
28 Bail Bond Indemnity 2500, 5000, 10000, 15000, 20000 Nil, 1000, 2500, 5000 Independent SI
Deductible of all selected benefits
29 Waiver of Deductible NA NA NA
will be waived off
30 Optional Co-Payment NA 20% NA NA
31 Home to Home NA Up to Base SI NA NA
Political and Catastrophic Evacu-
32 Indemnity 10K to 50K in multiple of 5K Nil Independent SI
ation
Loss of laptop, tablet, mobile
33.1 Indemnity Independent SI
phone, camera
2.5K to 25K in multiple of 2.5K 1K to 10K in multiple of 2500
Loss of laptop, tablet, mobile
33.2 Benefit Independent SI
phone, camera
34 Mugging Benefit Benefit 5K to 50K in multiple of 5K Nil, 1000, 2500, 5000 Independent SI
Loss of Deposit on Cancellation
35.1 Indemnity Independent SI
(Hotel & Common Carrier) 1K to 5K in multiple of 1K, Post that
Nil, 1000, 2500, 5000
Loss of Deposit on Cancellation in multiple of 5K till 25K
35.2 Benefit Independent SI
(Hotel & Common Carrier)
Emergency Accommodation 1K to 5K in multiple of 1K, 10K, 15K,
36 Indemnity Nil, 1000, 2500, 5000 Independent SI
Coverage 20K, 25K, 50K
INR 50K till 5Lac in multiple of
37 Travel Loan Secure Indemnity Nil/1K/5K/10K Independent SI
50K
38.1 Flight Delay Indemnity
500 to 5000 in multiple of 500 3/4/5/6 hours Independent SI
38.2 Flight Delay Benefit
39 Mobility Aids Allowance Indemnity 2.5K to 25K in multiple of 2.5K Nil, 1000, 2500, 5000 Independent SI
Lifestyle Support (Modifications
40 Benefit 2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K Nil Independent SI
Made at Home/Vehicle)
41 Missed Departure Benefit 2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K Nil Independent SI
42 Terrorism cover Covered Covered Independent SI

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223

 Loss of baggage and Personal
43 Indemnity 2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K Nil Independent SI
Belongings
44 Loss of Identity documents Indemnity 500, 1K to 10K in multiple of 1K Nil Independent SI
45 Key Replacement Indemnity 500, 1K to 10 K in multiple of 1K Nil Independent SI
46 Change Fee Coverage Indemnity 2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K 10% Co-payment Independent SI
47 Identity Theft Indemnity 10K to 1Lac in multiple of 10K Nil Independent SI
Medical Sum Insured replenish-
48 ment in case of hospitalization due Indemnity 100% of inpatient limit Nil Independent SI
to accident
49 Carrier Cancellation Benefit 2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K Nil Independent SI
50 Flight Diversion Benefit 2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K Nil Independent SI

51 Cruise cover Indemnity 2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K Nil, 2K Independent SI

52 All Risk Cancellation Indemnity 2K, 3K, 4K, 5K, 7.5K, 10K, 15K, 20K Nil, 2K to 10K in multiple of 2K Independent SI

Trip Cancellation due to Domestic

53 Indemnity 5K to 25K in multiple of 5K 1000 Independent SI
Disturbances and Inconvenience
54 Covid Cover Indemnity 10K to 50K in multiple of 5K Nil Independent SI
55 Legal Expenses Indemnity 10K to 1lac in multiple of 10K Nil/5000/10000 Independent SI
56 Psychiatric Counseling Indemnity 500 to 5K in multiple of 500 Nil/500 Independent SI
57 Physiotherapy Indemnity 500 to 5K in multiple of 500 Nil/500 Independent SI
58 Kidnap distress allowance Benefit 20K to 100K in multiple of 10K Nil Independent SI
59 Search and rescue expenses Indemnity 20K to 100K in multiple of 10K Nil Independent SI
60 Tele Medical Consultation NA Unlimited Consultations NA NA

Product Name: Travel Infinity | Product UIN: NBHTGBP22011V012223