Travel Companion

Travel Companion

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There are customized plans for virtually every travel need.

All you have to is choose a plan that suits you:
  • Individual
    • Travel care
    • Travel secure
    • Travel value
    • Travel Asia
  • Policies with varying benefits/ limits/ premiums to choose from

  • Family
    • Travel family- Floater benefits for the entire family under a single policy
  • Single policy
    • Travel age- Exclusively designed for the health needs for the 61-70yrs age group.
  • Corporates
    • Corporate life
    • Corporate companions - Meets the exclusive needs of corporate travelers
  • Student
    • Study companion- A customized policy for students traveling abroad safely.
Student & corporate travelers

TFor specific plans devised to suit your needs Please contact the nearest branch or call on to your toll free number

For whom is the Travel companion Policy deal?

The Travel companion policy is a comprehensive package which provides complete medical and health cover to the international traveler. The student companion policy covers a host of risk factors for the student traveling abroad.

Why do I need Travel companion?

Traveling abroad to a foreign land details entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. Travel companion covers you for all medical eventualities for just a fraction of amount you would otherwise need.

Ensures your family, a fun filled journey
What does the policy cover?

The policy is comprehensive and covers personal accident ( death and disablement). Medical expenses and Repatriation (including medical evacuation to a hospital in India pre-approved by claims administrator), Loss and delay of checked baggage, Loss of passport Personal disability(legal), Cashless service, Hospitalization expenses, Golfer’s hole- in- one, Hijack cover, Trip delay, Emergency cash advances etc.

Does Travel companion offer cashless service?

Yes, Travel companion offers direct settlement in hospital medical expenses abroad. (subject to policy terms and conditions and sublimits)

Why if am in urgent need of cash abroad?

One of the important features in this policy is Emergency cash advance. It is an assistance service, wherein the company facilitates providing emergency cash to the insured during incidents such as theft/ burglary of baggage/ money or hold ups by co-ordinating by co-ordinating with the insured persons relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in his policy schedule.

Any other special features of the Travel companion policy?

Yes, the golfer’s hole-in-one is a sporting gesture from the company. It offers re-imbursement of expenses incurred in celebrating a hole-in-one by the insured during the trip, anywhere in the world (excluding India), in a United sates Golfer’s association recognonized golf course.

What are the various packages on offer under the Travel companion policy?

We have various plans, Depending on your specific needs, you can opt for the Travel care, Travel secure, Travel value, Travel family or Travel age,Corporate package, Study companion.

Individual

Travel companion offers a host of Tailor made Travel policies that cater to the specific needs of an individual abroad. The cover all medical eventualities including hospitalization and other incidental expenses at a fraction of amount that would be otherwise needed.

Depending upon your requirement (the sum assured and the premium payable), you can choose from any other these three policies.

Travel care

A travel policy that caters to the specific needs of an individual traveling abroad. It covers all medical eventualities including hospitalization and other medical expenses at a fraction of amount that would be otherwise needed.

Coverage’s Benefits in US $ Deductibles in US $
Medical expenses, Evacuation and Repatriation 50000 100
Emergency dental pain relief included in (i) above 500 100
Loss of Baggage(checked) 1000 Nil
Delay of baggage 100 12hrs
Personal accident 10000**** Nil
Loss of Passport    
Personal liability 100000 100
Hijack $ 50 per day to maximum $300 -
Emergency cash Advance******* 500 Nil

  Excluding USA/ Canada Including USA/Canada
Age ½ yrs to 40yrs 41-60yrs ½ yrs to 40yrs 41-60yrs
Days of Travel        
1-4days 393 460 609 747
5-7days 465 505 703 785
8-14days 677 758 1002 1079
15-21days 714 801 1070 1224
22-28days 801 913 1224 1380
29-35days 1002 1158 1513 1736
36-47days 1158 1337 1736 1982
48-60days 1358 15479 2335 3200
61-75days 1672 1936 3484 4663
76-90days 2002 2293 4171 5644
91-120days 2552 3043 5007 6675
121-150days 2896 3434 5792 7608
151-180days 3681 4319 6823 8393

***per Baggage maximum 50% and per item in the baggage 10% ***only 50% of the sum assured in respect of the death of death of the insured person below the age of 18yr***Cash advance would include delivery charges

Travel secure

A travel policy that provides increased cover for all medical eventualities including hospitalization, Loss of baggage and other incidental expenses. In addition, It also offers added benefits like trip delay and Golfer’s hole-in-one.


Coverage’s Benefits in US $ Deductibles in US $
Medical expenses, Evacuation and Repatriation 200000* 100
Emergency dental pain relief included in (i) above 500 100
Loss of Baggage(checked) 1000 Nil
Delay of baggage 100 12hrs
Personal accident 25000* Nil
Loss of Passport 250 25
Personal liability 200000 100
Hijack $ 50 per day to maximum $ 300  
Trip delay $20 per 12 hrs. maximum $120 12hrs
Emergency cash Advance******* 1000 Nil
Golfer’s hole-in-one 250 nil

**Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years **** Cash Advance Would include delivery charges.


  Excluding USA/ Canada Including USA/Canada
Age ½ yrs to 40yrs 41-60yrs ½ yrs to 40yrs 41-60yrs
Days of Travel        
1-4days 578 648 795 933
5-7days 628 707 873 1002
8-14days 781 890 1172 1394
15-21days 825 952 1237 1647
22-28days 912 1069 1389 1915
29-35days 1151 1292 1714 2249
36-47days 1325 1491 1975 2805
48-60days 1552 1758 3063 4204
61-75days 1932 2500 4328 6321
76-90days 2300 3142 5202 6409
91-120days 3240 4613 6399 7950
121-150days 4123 5691 8662 10944
151-180days 5691 6772 10798 12858

***Premium includes service tax as applicable on Feb '09

Travel value

This policy offers high value benefits for the individual abroad. Covers all medical medical eventualities including hospitalization and other incidental expenses with enlarged medical coverage of $500000 and increased limit of $1500 for emergency calls


Coverage’s Benefits in US $ Deductibles in US $
Medical expenses, Evacuation and Repatriation 500000 100
Emergency dental pain relief included in (i) above 500 100
Loss of Baggage(checked) 1000*** Nil
Delay of baggage 100 12hrs
Personal accident 30000**** Nil
Loss of Passport 250 25
Personal liability 200000 100
Hijack $50per day to a maximum $300 Nil
Trip delay $20 per 12 hrs. maximum $120 12hrs
Emergency cash Advance******* 1500 Nil
Golfer’s hole-in-one 500 nil

**Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years **** Cash Advance Would include delivery charges.


  Excluding USA/ Canada Including USA/Canada
Age ½ yrs to 40yrs 41-60yrs ½ yrs to 40yrs 41-60yrs
Days of Travel        
1-4days 884 1300 1286 1855
5-7days 884 1300 1286 1855
8-14days 956 1402 1389 2002
15-21days 1021 1513 1476 2160
22-28days 1172 1758 1673 2493
29-35days 1410 2094 2017 2959
36-47days 1673 2538 2386 3629
48-60days 2712 4139 3885 5900
61-75days 3907 5987 5557 9003
76-90days 4688 7213 6729 10157
91-120days 5744 9030 8050 13154
121-150days 7264 12368 9717 16490
151-180days 9276 15212 12466 21594

* Premium includes service tax as applicable on Feb '09


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