Star Travel Corporate

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Star Travel Corporate

  1. 1. Star Corporate Travel Protect Insurance
  2. 2. Who can benefit from this Policy? <ul><li>All Corporate Executives residing in India aged between 18 and 70 years traveling abroad on Business purposes can take this Insurance. </li></ul>
  3. 3. Coverage <ul><li>When you travel abroad on Business or Holiday our Star Travel protect policy provides you for </li></ul><ul><li>Emergency medical expenses whilst on Travel / stay abroad. </li></ul><ul><li>Emergency Medical Transportation to Republic of India </li></ul><ul><li>Transportation of mortal remains </li></ul><ul><li>Any Dental emergency Expenses following an Accident </li></ul><ul><li>Compensation following Accidental Injuries </li></ul><ul><li>Cost of loss of traveler’s checked in baggage </li></ul><ul><li>Reasonable Expenses incurred for obtaining New Passport. </li></ul>
  4. 4. Coverage (Contd.) <ul><li>Flight Delay. </li></ul><ul><li>Expenses relating to travel and accommodation incurred due to Missed Departure / Connection. </li></ul><ul><li>Expenses on Emergency purchases of consumables due to any delay in handing over your checked in baggage by the carrier for more than 12 hours. </li></ul><ul><li>Any travel expenses incurred in sending a substitute employee following the covered sickness / accidental injuries of the insured employee. </li></ul><ul><li>Any Legal Liability that may be fastened upon you, if you cause any bodily injury or property damage to any third party. </li></ul><ul><li>Hijack distress. </li></ul>
  5. 5. Medical Examination <ul><li>If the medical history as revealed in the proposal is adverse </li></ul><ul><li>ECG </li></ul><ul><li>Fasting & Postprandial Blood Sugar </li></ul><ul><li>Cholesterol Profile and </li></ul><ul><li>Urine Strip test plan reports </li></ul><ul><li>Cholesterol Profile reports duly certified by an M.D. with specialisation in Cardiology, are required to be submitted along with the proposal. </li></ul>
  6. 6. Plan Options <ul><li>Travel World Wide Including USA and Canada </li></ul><ul><li>2. Days Option – </li></ul><ul><li>Annual Policy with maximum coverage of 180 days with each trip not exceeding 30 Days per trip </li></ul><ul><li>Annual Policy with maximum coverage of 180 days with each trip not exceeding 45 Days per trip </li></ul>
  7. 7. Sum Insured Options <ul><li>The following Sum Insured options are available </li></ul><ul><li>USD 100,000 </li></ul><ul><li>USD 250,000 </li></ul><ul><li>USD 500,000 </li></ul>
  8. 8. Premium figures are in Rupees and inclusive of S.Tax Premium Rating 5391 4584 4365 3488 4354 3229 18 years to 40 years Age Band 45 Days Trip Band 30 Days Trip Band USD 500000 45 Days Trip Band 30 Days Trip Band USD 250000 45 Days Trip Band 30 Days Trip Band USD 100000 Sum Insured & Trip band 18745 7525 14327 6642 15486 5974 11672 4691 14214 5621 11256 4541 61 years to 70 years 41 years to 60 years
  9. 9. Coverage Limits figures are in USD 25 NA NA 25 Included in M1 Included in M1 100 Deductible 200 750 10000 200 Included in M1 Included in M1 100000 Coverage USD 100000 15 NA NA 25 Included in M1 Included in M1 100 Deductible 250 1000 15000 250 Included in M1 Included in M1 250000 Coverage USD 250000 15 250 Section 5 Loss of Passport (T2) NA 1000 Section 4 Loss of Checked In Baggage (T1) (Per Baggage maximum 50% incase of more than one Baggage) NA 30000 Section 3 Personal Accident (A1) 25 300 Section 2 Dental Emergency Assistance (M2) Included in M1 Included in M1 Repatriation of Mortal Remains (M3) Included in M1 Included in M1 Emergency Medical Transportation Expenses (M4) 100 500000 Section 1 Emergency Medical Expenses (M1) Deductible Coverage USD 500000 Sum Insured Sections
  10. 10. Coverage Limits (contd.) 12 Hrs 200 12 Hrs 100 12 Hrs 100 Section 6 Delay of Checked In Baggage (T3) 12 Hrs 200 12 Hrs 200 12 Hrs 200 Section 9 Hijack Distress (T7) NA 300 NA 200 NA NA Section 8 Missed Departure Connection (T5) 25 300 25 250 NA NA Section 7 Flight Delay (T4) NA 50000 NA 25000 NA 25000 Section 10 Personal Liability (L1) NA Deductible NA Coverage USD 100000 NA Deductible 2000 Coverage USD 250000 NA 3000 Section 11 Deputation of Substitute Employee (T8) Deductible Coverage USD 500000 Sum Insured Sections
  11. 11. Extension of Trip <ul><li>Extension option not available under normal circumstances </li></ul><ul><li>In unavoidable cases, Extension is possible to allow the insured person to complete the Overseas Trip provided the aggregate Travel period during the entire policy does not exceed 180 days. </li></ul>
  12. 12. Major Exclusions <ul><li>Loss directly or indirectly occasioned by happening through or in consequence of </li></ul><ul><li>Travel against Medical Advice </li></ul><ul><li>Any Pre existing condition </li></ul><ul><li>With the intention of receiving medical treatment </li></ul><ul><li>Insured being aware of circumstances that could reasonable be expected to give rise to a claim </li></ul><ul><li>Winter Sports or the Use of Dry ski slopes </li></ul><ul><li>Direct participation in riot or civil commotion </li></ul><ul><li>Manual work of any kind, etc </li></ul><ul><li>Insured engaging in any criminal or illegal act. </li></ul>
  13. 13. <ul><li>Claims arising from pregnancy </li></ul><ul><li>Claims increased by the Insured’s own act or omission </li></ul><ul><li>Consequential Loss </li></ul><ul><li>Claims relating to Bankruptcy or Liquidation </li></ul><ul><li>Congenital anomalies or any other complications or conditions arising there from </li></ul><ul><li>Professional or Organised Sports, rock Climbing or mountaineering, racing speeds or endurance tests, hazardous pursuit or occupation or air travel (other than as a passenger) and similar activites. </li></ul><ul><li>For Detailed list of exclusions kindly refer the policy wordings. </li></ul>Major Exclusions (Contd.)
  14. 14. Third Party Administrator <ul><li>Paramount Healthcare Management Pvt. Ltd. </li></ul><ul><li>Dedicated Help Line – 0091 2267515559 </li></ul><ul><li>Toll Free Number when dialing from USA </li></ul><ul><li>1 866 978 5205 </li></ul><ul><li>Toll Free Number when dialing from Rest of the World </li></ul><ul><li>00 91 2267515559 </li></ul><ul><li>E-Mail : travelhealth@phmglobal.com </li></ul>
  15. 15. Claim Procedure Hospitalization Claims <ul><li>Please call our Assistance Co. </li></ul><ul><li>Toll Free Number when dialing from USA </li></ul><ul><li>1 866 978 5205 </li></ul><ul><li>Toll Free Number when dialing from Rest of the World </li></ul><ul><li>00 91 2267515559 </li></ul><ul><li>Call for claim Form </li></ul><ul><li>Get the assistance for Admission through our Assistance Co. </li></ul><ul><li>Our Assistance Co. ref. No. and approval. </li></ul><ul><li>Claim form duly filled in all aspects </li></ul><ul><li>Doctor’s Advice Reports </li></ul><ul><li>Pathological/Lab Reports </li></ul><ul><li>Original bills/Receipts/Prescriptions </li></ul><ul><li>Discharge Certificate </li></ul><ul><li>Policy Copy </li></ul><ul><li>If expenses paid by you seek reimbursement </li></ul><ul><li>Preserve all original bills/prescriptions </li></ul>Procedure to be followed Documents Required
  16. 16. Claims Procedure (contd.) Personal Accident Claims <ul><li>Obtain Claim form </li></ul><ul><li>Fill in the claim form in all respects </li></ul><ul><li>Inform police </li></ul><ul><li>In case of PTD, obtain Disability Certificate from the treating Doctor </li></ul><ul><li>Witness if any, get statements from them </li></ul><ul><li>Inform our Assistance Co. </li></ul><ul><li>Narration of the facts </li></ul><ul><li>Police Report </li></ul><ul><li>Witness Statements </li></ul><ul><li>Death Certificate, if applicable </li></ul><ul><li>Cause of Accident </li></ul><ul><li>Post mortem report, if applicable </li></ul><ul><li>Original Bills </li></ul><ul><li>Details of treatment taken for PTD or PPD with supporting prescriptions and Doctor’s advice </li></ul>Procedure to be followed Documents Required
  17. 17. Claims Procedure (contd.) Loss of Checked in Baggage Claims <ul><li>Please inform our Assistance Co. </li></ul><ul><li>Obtain claim form </li></ul><ul><li>Lodge complain with the Carrier </li></ul><ul><li>Send complete documents </li></ul><ul><li>Claim form duly filled in </li></ul><ul><li>Copy of Letter lodging a claim on the carrier </li></ul><ul><li>Property Irregularity Report / other report issued by the Carrier </li></ul><ul><li>Compensation received from the Carrier </li></ul><ul><li>Adequate proof of value of items contained in checked in baggage value in excess of US$100 </li></ul>Procedure to be followed Documents Required
  18. 18. Claims Procedure (contd.) Delay of Checked-In-Baggage Claims <ul><li>Inform our Assistance Co. </li></ul><ul><li>Claim form can be obtained from our Assistance Co. </li></ul><ul><li>Send duly filled in claim form with supporting documents </li></ul><ul><li>Claim form with ref. </li></ul><ul><li>Copy of ticket </li></ul><ul><li>Copy of Visa/Passport </li></ul><ul><li>Certificate from the Carrier fro the delay in checked-in-baggage for more than 12 hrs </li></ul><ul><li>Irregularity Report or any other report from the airline stating date </li></ul><ul><li>Original bills of emergency consumables purchased up to the arrival of delayed baggage. </li></ul>Procedure to be followed Documents Required
  19. 19. Claims Procedure (contd.) Personal Liability Claims <ul><li>Inform our Assistance Co. </li></ul><ul><li>Engage Lawyer with the consent of the Company </li></ul><ul><li>Correspondence, if any, without prejudice </li></ul><ul><li>No commitment on any benefit or enter into agreement </li></ul><ul><li>Inform our Assistance Co. </li></ul><ul><li>Narration of the Incident </li></ul><ul><li>Proof of judicial decision </li></ul><ul><li>In case of bodily injury, nature of bodily injury </li></ul><ul><li>Witness Statement </li></ul><ul><li>Victims Statement </li></ul><ul><li>Police Complaint by the victim </li></ul><ul><li>Your report to the Police </li></ul><ul><li>Legal notice, summons, etc. </li></ul><ul><li>Lawyers opinion about the incident vis-à-vis your liability </li></ul>Procedure to be followed Documents Required
  20. 20. Claims Procedure (contd.) Trip Cancellation Claims <ul><li>Inform Policy Issuing Office </li></ul><ul><li>Obtain claim form </li></ul><ul><li>Inform the Travel agent or the tour operator through whom the trip was arranged </li></ul><ul><li>Preserve unused ticket or any prior agreement entered into with Hotels, etc., resulting in loss because of cancellation of the trip </li></ul><ul><li>Inform Policy issuing office/call centre 1800 425 2255 </li></ul><ul><li>Fill up the claim form </li></ul><ul><li>Cause for cancellation with supporting evidence </li></ul><ul><li>In case of Bodily injury, Hospitalisation Bill, Doctor’s Bill, etc. </li></ul><ul><li>In case of Death of relative, Death Certificate </li></ul><ul><li>In case of Quarantine, Certificate from the Authorities </li></ul><ul><li>In case of deposing as a witness, Copy of summons served </li></ul><ul><li>Copy of ticket </li></ul><ul><li>Copies of correspondence with the Airline authorities </li></ul>Procedure to be followed Documents Required
  21. 21. Claims Procedure (contd.) Loss Of Passport Claims <ul><li>Inform our Assistance Co. </li></ul><ul><li>Take their Assistance </li></ul><ul><li>Inform Police </li></ul><ul><li>Copy of complaint lodged with the police </li></ul><ul><li>Inform Passport office </li></ul><ul><li>Copy of lost passport </li></ul><ul><li>Cause of loss </li></ul><ul><li>Expenses incurred for obtaining duplicate passport </li></ul>Procedure to be followed Documents Required

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