LLICÈNCIA GENERAL DE TRANSFERÈNCIA DE MATERIAL DE DEFENSA LLISTA D'ARTICLES

At a glance you need Videsh Yatra Mitra Policy if you are going abroad on business or holiday. The benefits under policy include:

1. General Insurance Plans a) Personal Accident Cover

b) Medical Expenses and Repatriation c) Cover Loss of Checked in Baggage d) Cover Delay of Checked in Baggage e) Cover Loss of Passport

f) Personal Liability Cover

2. Special Insurance Plans

1. General Insurance Plans:

a) Personal Accident Cover

If the insured person suffers any bodily injury during the overseas trip and such injury, within 12 months of its occurrence, is the sole cause of death, loss of sight or limbs of the insured, the Insurance Company will pay up to US$ 50,000 as compensation.

Note: No claim will be satisfied in excess of US$ 2000, on death of the insured person, if he/she was less than 16 years of age at the time of affecting the insurance.

b) Medical Expenses & Repatriation

The cover provided by the Insurance Company extends to US$

500,000 (for worldwide travel including USA & Canada) and US$

250,000 (for worldwide travel excluding USA & Canada). It is paid to the insured in respect of any permissible and necessary medical

expenses that are borne by him outside India on account of any injury or sickness suffered during the period of insurance.

If "Mercury" recommends that continued treatment in India is appropriate, then (notwithstanding anything specified above), the insurance is extended to cover medical expenses incurred in India also. These expenses will be paid only towards treatment undergone within 90 days from the date on which the injury or illness first manifested itself.

 Medical Expenses Covered:

 Physician's services, hospital and medical services and local ambulance services.

 Up to US$ 225 per dental service taken only for immediate relief of toothache. Dental care rendered necessary as a result of an accident that is covered, shall be reimbursed subject to the limit of cover under Personal Accident.

 Expenses incurred for emergency medical evacuation including transportation and medical care en route.

 If the insured person dies abroad, the expenses incurred for the preparation and air transportation of the remains to India or an equivalent amount for their local burial or cremation.

 Claims will be reimbursed only to the extent they are reasonable and customarily incurred whether in case of medical or dental attention or transportation.

 "Mercury" and their Medical Advisors must approve medical evacuation and transportation in advance.

 Medical expenses that could have been postponed till the insured returned to India will not be reimbursed. The attending physician and the Medical Advisors shall decide which expenses can be and which can't be delayed.

 US$ 100 is the deductible amount and any expense below this amount will have to be borne by the insured person. Further, it also means that from every claim this amount will be deducted before making settlement.

 Claims in respect of cosmetic surgery will not be paid unless it is rendered necessary as a result of a covered accident.

 Routine physical examinations and any other examinations that are not undertaken as result of impairment of normal health shall not be covered.

 Pregnancy and related complications are not covered under this policy.

 Where the insured person is unable to present himself or herself for the medical examination (where one is called for by the Insurance Company), the limit of indemnity will be reduced to US$ 10,000. This limit will be utilized only towards physician's services, hospital and medical services and local emergency

transportation. Further, the insurance cover will be restricted to cover only illness or diseases contracted abroad and not cover accidents.

c) Covers Loss of Checked in Baggage

The insured will receive US$ 1,000 from the Insurance Company in the event of total loss of baggage that has been checked in by an International Airline for an international flight. The insurers however reserve the right to either replace or pay the intrinsic value of the lost article.

 Specific Conditions:

 The Insurance Company will not reimburse partial loss or damage of baggage

 No claim will be paid for items whose value exceeds US$ 100, unless the proof of ownership is presented to “Mercury”, in the event of submission of claim.

 Valuable items are not covered by the policy since they should at all times be carried by the insured person and not be packet as part of checked in baggage.

d) Covers Delay of Checked in Baggage

The Insurance Company will pay up to US$ 100 towards necessary purchases, to replace items, in the event of more than 24 hours delay (from the scheduled arrival time) in delivery of checked in baggage. The baggage should have be checked into an International Airline on an international flight from India.

 Specific Conditions:

 The proof of purchase must be provided for all items reimbursed under this cover

 Any payment made by the Insurance Company for delay of baggage will be offset against a claim arising for loss of the same baggage.

e) Covers Loss of Passport

In the event of loss of passport, the Insurance Company will pay up to US$ 250 towards expenses reasonably and necessarily incurred by the insured person in obtaining a fresh or duplicate passport.

US$ 30 is the deductible amount and any expense below this amount will have to be borne by the insured person. Further, it also means that from every claim this amount will be deducted before making settlement.

 Specific Conditions:

 Loss or damage to the passport due to confiscation or detention by customs, police or other authority will not be covered under this policy.

 Claims for loss of passport will not be entertained if the theft of passport was not reported to any police authority within 24 hours of discovery. An official report is also to be obtained from them.

 No claim shall be paid for loss or theft of the passport if it was left unattended by the insured person. However, if the passport was left in a locked room or apartment and the insured person could not have stored it in a safety deposit box, the claim will be satisfied.

f) Personal Liability Cover

 Specific Conditions:

 US$ 200 is the deductible amount and any expense below this amount will have to be borne by the insured person himself or herself. Further, it also means that from every claim this amount will be deducted before making settlement. This deductible applies only to third party property damage.

 The Insurance Company shall meet no claims arising from Employers or Contractual liability.

 No claims arising from liability to any family members, traveling companion, friend or colleague of the insured, shall be met.

 Claims arising directly or indirectly from the following shall not be paid.

 Animals belonging to the insured person or in their care, custody or control.

 Any willful, malicious, or unlawful act.

 Pursuit of a trade, business or profession, employment or occupation.

 Ownership, possession, or use of vehicles, aircraft, watercraft, parachuting, hand gliding, air ballooning or use of firearms.

 Legal costs of any proceedings that result from any criminal or illegal act.

 Insanity, use of alcohol, drugs (except as medically described) or drug addiction.

 Supply of goods or services.

 Any form of ownership or occupation of land or buildings (other than occupation only of any temporary residence)

2. Special Insurance Plan:

a)Insurance Plan for Corporate Frequent Traveler:

This is a one-year cover issued to employees of companies who have to travel abroad frequently.

 Features:

 Each trip should not exceed 30 days. This period can be extended by 7 days without any extra charge, if the delay is beyond the control of the insured person.

 The insured person can be between 18 and 70 years of age. The age limit can be extended to 75 years at the option of the Insurance Company and after such person undergoes a thorough medical check up. The Medical Reports should be authorized by an M.D. in Cardiology and should include, ECG Reading, fasting blood

 The Monetary Compensations offered in each case:

BENEFIT LIMIT (in

US$) REMARKS

Medical Expenses 500,000 Deductible: US$

100

Personal Accident 25,000

-Loss of Checked in

Baggage 1,000

-Delay of Checked in

Baggage 100 Delay > 12 hrs

Loss of Passport 250 Deductible: US$ 30

Personal Liability 200,000 Deductible: US$

200