Star Health and Allied Insurance Co. Ltd. Star Travel Protect Insurance (For Individuals)

Star Health and Allied Insurance Co. Ltd. Who can benefit from this Policy? All person residing in India aged between 6 months and 70 years traveling outside India on Business or Holiday 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. Repatriation in case of medical emergency. Repatriation of mortal remains. Any Dental emergency expenses following an Accident. Compensation following Accidental injuries. Cost of Loss of your checked in Baggage. Reasonable expenses incurred for obtaining New Passport.

Star Health and Allied Insurance Co. Ltd. Coverage (Contd.) Flight Delay. 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. Pecuniary Loss on cancellation of your trip due to any accidental bodily injury/death of a family member. 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 and for persons proposed for insurance are above 60 years ECG Fasting & Postprandial Blood Sugar Cholesterol Profile and Urine Strip test plan reports are required to be submitted along with the proposal

Star Health and Allied Insurance Co. Ltd. Plan Options Travel World Wide Including USA and Canada Travel World Wide Excluding USA and Canada

Star Health and Allied Insurance Co. Ltd. Sum Insured Options The coverage is offered for four limits under both plans USD 50,000 USD 100,000 USD 250,000 USD 500,000

Star Health and Allied Insurance Co. Ltd. Plan Options Plan A-1 : Sum Insured USD 50,000 (including USA and CANADA) Plan A-2 : Sum Insured USD 50,000 (excluding USA and CANADA) Plan B-1 : Sum Insured USD 100,000 (including USA and CANADA) Plan B-2 : Sum Insured USD 100,000 (excluding USA and CANADA) Plan C-1 : Sum Insured USD 250,000 (including USA and CANADA) Plan C-2 : Sum Insured USD 250,000 (excluding USA and CANADA) Plan D-1 : Sum Insured USD 500,000 (including USA and CANADA) Plan D-2 : Sum Insured USD 500,000 (excluding USA and CANADA)

Star Health and Allied Insurance Co. Ltd. Plan A-1Sum Insured USD (including USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto to to to to to to to to to to to to Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan A-1

Star Health and Allied Insurance Co. Ltd. Coverage Limits : Plan A-1 SectionsLimits of Coverage and Deductible (in USD) Medical SectionCoverageDeductible Emergency medical Expenses (M1) Dental Emergency Assistance (M2)25025 Transportation of Mortal Remains (M3)Included in M1 Emergency Medical Transportation (M4)Included in M1 Accident Section Personal Accident (A1)5000NA Travel Section Loss of Checked In Baggage (T1)250NA Loss of Passport (T2)15015 Delay of Checked in Baggage (T3)5012 Hrs Flight Delay (T4)10020 Missed Departure / Connection (T5)NA Trip Cancellation/Interruption Due To Death of Family Member (T6) Hijack (T7)10012 Hrs Liability Section Personal Liability (L1)10000NA

Star Health and Allied Insurance Co. Ltd. Plan A-2Sum Insured USD (excluding USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto to to to to to to to to to to to to Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan A-2

Star Health and Allied Insurance Co. Ltd. Coverage Limits : Plan A-2 SectionsLimits of Coverage and Deductible (in USD) Medical SectionCoverageDeductible Emergency medical Expenses (M1) Dental Emergency Assistance (M2)20020 Transportation of Mortal Remains (M3)Included in M1 Emergency Medical Transportation (M4)Included in M1 Accident Section Personal Accident (A1)5000NA Travel Section Loss of Checked In Baggage (T1)250NA Loss of Passport (T2)15015 Delay of Checked in Baggage (T3)5012 Hrs Flight Delay (T4)10020 Missed Departure / Connection (T5)NA Trip Cancellation/Interruption Due To Death of Family Member (T6) Hijack (T7)10012 Hrs Liability Section Personal Liability (L1)10000NA

Star Health and Allied Insurance Co. Ltd. Plan B-1Sum Insured USD (including USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto to to to to to to to to to to to to Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan B-1

Star Health and Allied Insurance Co. Ltd. Coverage Limits : Plan B-1 SectionsLimits of Coverage and Deductible (in USD) Medical SectionCoverageDeductible Emergency medical Expenses (M1) Dental Emergency Assistance (M2)25025 Transportation of Mortal Remains (M3)Included in M1 Emergency Medical Transportation (M4)Included in M1 Accident Section Personal Accident (A1)10000NA Travel Section Loss of Checked In Baggage (T1)250NA Loss of Passport (T2)20015 Delay of Checked in Baggage (T3)5012 Hrs Flight Delay (T4)15025 Missed Departure / Connection (T5)NA Trip Cancellation/Interruption Due To Death of Family Member (T6) Hijack (T7)10012 Hrs Liability Section Personal Liability (L1)20000NA

Star Health and Allied Insurance Co. Ltd. PlanB-2Sum Insured USD (excluding USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto to to to to to to to to to to to to Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan B-2

Star Health and Allied Insurance Co. Ltd. Coverage Limits : Plan B-2 SectionsLimits of Coverage and Deductible (in USD) Medical SectionCoverageDeductible Emergency medical Expenses (M1) Dental Emergency Assistance (M2)20020 Transportation of Mortal Remains (M3)Included in M1 Emergency Medical Transportation (M4)Included in M1 Accident Section Personal Accident (A1)10000NA Travel Section Loss of Checked In Baggage (T1)250NA Loss of Passport (T2)20015 Delay of Checked in Baggage (T3)5012 Hrs Flight Delay (T4)15025 Missed Departure / Connection (T5)NA Trip Cancellation/Interruption Due To Death of Family Member (T6) Hijack (T7)10012 Hrs Liability Section Personal Liability (L1)20000NA

Star Health and Allied Insurance Co. Ltd. Plan C-1Sum Insured USD (including USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto to to to to to to to to to to to to Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan C-1

Star Health and Allied Insurance Co. Ltd. Coverage Limits : Plan C-1 SectionsLimits of Coverage and Deductible (in USD) Medical SectionCoverageDeductible Emergency medical Expenses (M1) Dental Emergency Assistance (M2)25025 Transportation of Mortal Remains (M3)Included in M1 Emergency Medical Transportation (M4)Included in M1 Accident Section Personal Accident (A1)25000NA Travel Section Loss of Checked In Baggage (T1)500NA Loss of Passport (T2)25015 Delay of Checked in Baggage (T3)10012 Hrs Flight Delay (T4)25025 Missed Departure / Connection (T5)200NA Trip Cancellation/Interruption Due To Death of Family Member (T6) Hijack (T7)20012 Hrs Liability Section Personal Liability (L1)25000NA

Star Health and Allied Insurance Co. Ltd. Plan C-2Sum Insured USD (excluding USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto to to to to to to to to to to to to Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan C-2

Star Health and Allied Insurance Co. Ltd. Coverage Limits : Plan C-2 SectionsLimits of Coverage and Deductible (in USD) Medical SectionCoverageDeductible Emergency medical Expenses (M1) Dental Emergency Assistance (M2)20020 Transportation of Mortal Remains (M3)Included in M1 Emergency Medical Transportation (M4)Included in M1 Accident Section Personal Accident (A1)25000NA Travel Section Loss of Checked In Baggage (T1)350NA Loss of Passport (T2)25015 Delay of Checked in Baggage (T3)10012 Hrs Flight Delay (T4)25025 Missed Departure / Connection (T5)200NA Trip Cancellation/Interruption Due To Death of Family Member (T6) Hijack (T7)20012 Hrs Liability Section Personal Liability (L1)25000NA

Star Health and Allied Insurance Co. Ltd. Plan D-1Sum Insured USD (including USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto to to to to to to to to to to to to Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan D-1

Star Health and Allied Insurance Co. Ltd. Coverage Limits : Plan D-1 SectionsLimits of Coverage and Deductible (in USD) Medical SectionCoverageDeductible Emergency medical Expenses (M1) Dental Emergency Assistance (M2)25025 Transportation of Mortal Remains (M3)Included in M1 Emergency Medical Transportation (M4)Included in M1 Accident Section Personal Accident (A1)50000NA Travel Section Loss of Checked In Baggage (T1)750NA Loss of Passport (T2)25015 Delay of Checked in Baggage (T3)10012 Hrs Flight Delay (T4)25025 Missed Departure / Connection (T5)200NA Trip Cancellation/Interruption Due To Death of Family Member (T6) Hijack (T7)20012 Hrs Liability Section Personal Liability (L1)50000NA

Star Health and Allied Insurance Co. Ltd. Plan D-2Sum Insured USD (excluding USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto to to to to to to to to to to to Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan D-2

Star Health and Allied Insurance Co. Ltd. Coverage Limits : Plan D-2 SectionsLimits of Coverage and Deductible (in USD) Medical SectionCoverageDeductible Emergency medical Expenses (M1) Dental Emergency Assistance (M2)20020 Transportation of Mortal Remains (M3)Included in M1 Emergency Medical Transportation (M4)Included in M1 Accident Section Personal Accident (A1)50000NA Travel Section Loss of Checked In Baggage (T1)500NA Loss of Passport (T2)25015 Delay of Checked in Baggage (T3)10012 Hrs Flight Delay (T4)25025 Missed Departure / Connection (T5)200NA Trip Cancellation/Interruption Due To Death of Family Member (T6) Hijack (T7)20012 Hrs Liability Section Personal Liability (L1)50000NA

Star Health and Allied Insurance Co. Ltd. Extension of Trip The policy can be extended on payment of Additional premium and declaration of good health by the insured. Maximum number of permissible extensions is two. Request for extension should be given well before expiry of the policy.

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.Manual work of any kind, etc

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 activities. 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.