Star Health Travel Protect Insurance Policy

Here are the salient features and benefits of the Star Travel Protect Insurance Policy.

1. Pre-Insurance Medical Screening

This policy exempts pre-insurance medical examinations. However, those over 65 and those with a history of poor health must submit an ECG, a fasting and postprandial blood sugar test, a cholesterol profile, and a urine strip test plan report.

2. Emergency Medical Expenses Cover

The costs incurred for medical emergencies while the insured person is travelling abroad are covered by this policy.

3. Emergency Medical Evacuation

On the recommendation of the treating physician, this policy covers the insured person’s emergency medical evacuation. It also includes costs for related transportation and medical care.

4. Personal Accident Cover

The company will pay a lump sum to the insured person or his or her legal representatives up to the specified limits in the event of the insured person’s death or disabling injury as a result of an accident.

5. Dental Emergency Cover

This policy offers coverage for costs associated with urgent anaesthetic care to address dental issues brought on by mishaps while travelling.

6. Repatriation of Mortal Remains

If the insured person passes away while travelling, this policy will pay for the transportation of their mortal remains or provide the equivalent amount for a local burial or cremation in the country where the death occurred.

7. Deductibles

Deductibles may apply to this policy. It refers to the dollar amount below which the business will not be held responsible for covering any claims.

8. Cover for the Loss of Checked-In Baggage

The company will cover the insured person’s losses up to the limits specified in the policy schedule if the checked baggage (their property) is lost by an airline or carrier.

9. Loss of Passport

If an insured person misplaces their passport while travelling, the company will pay for the costs of getting a new passport or other acceptable travel documents to get back home.

10. Checked-In Baggage Delay

The company will provide compensation for the delay up to the limits specified in the policy schedule if the insured person’s checked baggage is delayed for more than 12 hours while travelling.

11. Flight Delay

The company will reimburse the costs incurred for additional lodging, travel, and other reasonable expenses up to the specified limits if the insured person’s flight is delayed for more than six hours.

12. Missed Connection/Departure

Due to the listed reasons, the company will reimburse the insured person for reasonable additional lodging and travel costs if they miss the pre-scheduled departure or connection flight.

13. Trip Cancellation/Interruption

The company will compensate the insured or his or her legal representatives up to the specified amount if the insured person’s trip is cancelled due to accidental bodily injuries or the death of either the insured person or a member of his or her family.

14. Personal Liability Cover

The Insurance Company will indemnify the insured person against all sums for which he or she becomes legally liable to pay up to the specified limits if the insured person is either legally responsible for illness/injury (fatal or non-fatal) to any person or damage to property during the period of insurance.

15. Hijack Distress

The company will pay the equivalent in Indian rupees for each day of delay up to the specified limits if the common carrier in which the insured person is travelling is hijacked and the trip is interrupted or disrupted for longer than 12 hours.