Star Health and Allied Insurance Co. Ltd. Star Corporate Travel Protect Insurance

Star Health and Allied Insurance Co. Ltd. Who can benefit from this Policy? All Corporate Executives residing in India aged between 18 and 70 years traveling abroad on Business purposes can take this Insurance.

Star Health and Allied Insurance Co. Ltd. Coverage When you travel abroad on Business or Holiday our Star Travel protect policy provides you for Emergency medical expenses whilst on Travel / stay abroad. Emergency Medical Transportation to Republic of India Transportation of mortal remains Any Dental emergency Expenses following an Accident Compensation following Accidental Injuries Cost of loss of traveler’s checked in baggage Reasonable Expenses incurred for obtaining New Passport.

Star Health and Allied Insurance Co. Ltd. Coverage (Contd.) Flight Delay. Expenses relating to travel and accommodation incurred due to Missed Departure / Connection. 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. Any travel expenses incurred in sending a substitute employee following the covered sickness / accidental injuries of the insured employee. Any Legal Liability that may be fastened upon you, if you cause any bodily injury or property damage to any third party. Hijack distress.

Star Health and Allied Insurance Co. Ltd. Medical Examination If the medical history as revealed in the proposal is adverse ECG Fasting & Postprandial Blood Sugar Cholesterol Profile and Urine Strip test plan reports Cholesterol Profile reports duly certified by an M.D. with specialisation in Cardiology, are required to be submitted along with the proposal.

Star Health and Allied Insurance Co. Ltd. Plan Options 1.Travel World Wide Including USA and Canada 2. Days Option – Annual Policy with maximum coverage of 180 days with each trip not exceeding 30 Days per trip Annual Policy with maximum coverage of 180 days with each trip not exceeding 45 Days per trip

Star Health and Allied Insurance Co. Ltd. Sum Insured Options The following Sum Insured options are available USD 100,000 USD 250,000 USD 500,000

Star Health and Allied Insurance Co. Ltd. Sum Insured & Trip band Age Band 18 years to 40 years41 years to 60 years61 years to 70 years USD Days Trip Band Days Trip Band USD Days Trip Band Days Trip Band USD Days Trip Band Days Trip Band Premium figures are in Rupees and inclusive of S.Tax Premium Rating

Star Health and Allied Insurance Co. Ltd. Coverage Limits Sum Insured Sections USD USD USD CoverageDeductibleCoverageDeductibleCoverageDeductible Section 1 Emergency Medical Expenses (M1) Emergency Medical Transportation Expenses (M4) Included in M1 Repatriation of Mortal Remains (M3)Included in M1 Section 2 Dental Emergency Assistance (M2) Section 3 Personal Accident (A1) 10000NA15000NA30000NA Section 4 Loss of Checked In Baggage (T1) (Per Baggage maximum 50% incase of more than one Baggage) 750NA1000NA1000NA Section 5 Loss of Passport (T2) figures are in USD

Star Health and Allied Insurance Co. Ltd. Coverage Limits (contd.) Sum Insured Sections USD USD USD CoverageDeductibleCoverageDeductibleCoverageDeductible Section 6 Delay of Checked In Baggage (T3) Hrs10012 Hrs20012 Hrs Section 7 Flight Delay (T4) NA Section 8 Missed Departure Connection (T5) NA 200NA300NA Section 9 Hijack Distress (T7) Hrs20012 Hrs20012 Hrs Section 10 Personal Liability (L1) 25000NA25000NA50000NA Section 11 Deputation of Substitute Employee (T8) NA 2000NA3000NA

Star Health and Allied Insurance Co. Ltd. Extension of Trip Extension option not available under normal circumstances 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.

Star Health and Allied Insurance Co. Ltd. Major Exclusions Loss directly or indirectly occasioned by happening through or in consequence of a.Travel against Medical Advice b.Any Pre existing condition c.With the intention of receiving medical treatment d.Insured being aware of circumstances that could reasonable be expected to give rise to a claim e.Winter Sports or the Use of Dry ski slopes f.Direct participation in riot or civil commotion g.Manual work of any kind, etc h.Insured engaging in any criminal or illegal act.

Star Health and Allied Insurance Co. Ltd. Claims arising from pregnancy Claims increased by the Insured’s own act or omission Consequential Loss Claims relating to Bankruptcy or Liquidation Congenital anomalies or any other complications or conditions arising there from 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. For Detailed list of exclusions kindly refer the policy wordings. Major Exclusions (Contd.)

Star Health and Allied Insurance Co. Ltd. Third Party Administrator Paramount Healthcare Management Pvt. Ltd. Dedicated Help Line – Toll Free Number when dialing from USA Toll Free Number when dialing from Rest of the World

Star Health and Allied Insurance Co. Ltd. Claim Procedure Hospitalization Claims Documents RequiredProcedure to be followed 1.Our Assistance Co. ref. No. and approval. 2.Claim form duly filled in all aspects 3.Doctor’s Advice Reports 4.Pathological/Lab Reports 5.Original bills/Receipts/Prescriptions 6.Discharge Certificate 7.Policy Copy 8.If expenses paid by you seek reimbursement 9.Preserve all original bills/prescriptions 1.Please call our Assistance Co. Toll Free Number when dialing from USA Toll Free Number when dialing from Rest of the World Call for claim Form 3.Get the assistance for Admission through our Assistance Co.

Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Personal Accident Claims Documents RequiredProcedure to be followed 1.Inform our Assistance Co. 2.Narration of the facts 3.Police Report 4.Witness Statements 5.Death Certificate, if applicable 6.Cause of Accident 7.Post mortem report, if applicable 8.Original Bills 9.Details of treatment taken for PTD or PPD with supporting prescriptions and Doctor’s advice 1.Obtain Claim form 2.Fill in the claim form in all respects 3.Inform police 4.In case of PTD, obtain Disability Certificate from the treating Doctor 5.Witness if any, get statements from them

Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Loss of Checked in Baggage Claims Documents RequiredProcedure to be followed 1.Claim form duly filled in 2.Copy of Letter lodging a claim on the carrier 3.Property Irregularity Report / other report issued by the Carrier 4.Compensation received from the Carrier 5.Adequate proof of value of items contained in checked in baggage value in excess of US$100 1.Please inform our Assistance Co. 2.Obtain claim form 3.Lodge complain with the Carrier 4.Send complete documents

Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Delay of Checked-In-Baggage Claims Documents RequiredProcedure to be followed 1.Claim form with ref. 2.Copy of ticket 3.Copy of Visa/Passport 4.Certificate from the Carrier fro the delay in checked-in-baggage for more than 12 hrs 5.Irregularity Report or any other report from the airline stating date 6.Original bills of emergency consumables purchased up to the arrival of delayed baggage. 1.Inform our Assistance Co. 2.Claim form can be obtained from our Assistance Co. 3.Send duly filled in claim form with supporting documents

Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Personal Liability Claims Documents RequiredProcedure to be followed 1.Inform our Assistance Co. 2.Narration of the Incident 3.Proof of judicial decision 4.In case of bodily injury, nature of bodily injury 5.Witness Statement 6.Victims Statement 7.Police Complaint by the victim 8.Your report to the Police 9.Legal notice, summons, etc. 10.Lawyers opinion about the incident vis-à-vis your liability 1.Inform our Assistance Co. 2.Engage Lawyer with the consent of the Company 3.Correspondence, if any, without prejudice 4.No commitment on any benefit or enter into agreement

Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Trip Cancellation Claims Documents RequiredProcedure to be followed 1.Inform Policy issuing office/call centre Fill up the claim form 3.Cause for cancellation with supporting evidence 4.In case of Bodily injury, Hospitalisation Bill, Doctor’s Bill, etc. 5.In case of Death of relative, Death Certificate 6.In case of Quarantine, Certificate from the Authorities 7.In case of deposing as a witness, Copy of summons served 8.Copy of ticket 9.Copies of correspondence with the Airline authorities 1.Inform Policy Issuing Office 2.Obtain claim form 3.Inform the Travel agent or the tour operator through whom the trip was arranged 4.Preserve unused ticket or any prior agreement entered into with Hotels, etc., resulting in loss because of cancellation of the trip

Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Loss Of Passport Claims Documents RequiredProcedure to be followed 1.Copy of complaint lodged with the police 2.Inform Passport office 3.Copy of lost passport 4.Cause of loss 5.Expenses incurred for obtaining duplicate passport 1.Inform our Assistance Co. 2.Take their Assistance 3.Inform Police

Star Health and Allied Insurance Co. Ltd.