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

2. 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.

3. 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.

4. 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.

5. 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

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

7. 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

8. 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)

9. Star Health and Allied Insurance Co. Ltd. Plan A-1Sum Insured USD 50000 (including USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto 460067569078012711300 5 to 768071074583513001350 8 to 149309701005109517901821 15 to 2199410801145123523102340 22 to 28115513001350144029202950 29 to 35133516201705179535603591 36 to 47170519601990208046104640 48 to 60233524452850294057355780 61 to 75309032043650374070457074 76 to 90361037104270436087458790 91 to 12047804900589559951349013535 121 to 14758506380765577551860018630 148 to 18068607710845185502267522800 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan A-1

10. 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)50000100 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) 100050 Hijack (T7)10012 Hrs Liability Section Personal Liability (L1)10000NA

11. Star Health and Allied Insurance Co. Ltd. Plan A-2Sum Insured USD 50000 (excluding USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto 4345395410415880930 5 to 73954204554809801030 8 to 1452065068570511951225 15 to 2164068574076515401595 22 to 2873077479585018301876 29 to 3582090598098522002275 36 to 4791510751085118525552910 48 to 60102511751275135029953660 61 to 75155016451740177037704740 76 to 90195019702151218544855630 91 to 120246526353690389082759605 121 to 14728302870513551851140511549 148 to 18034753870606075291371016095 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan A-2

12. 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)50000100 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) 100050 Hijack (T7)10012 Hrs Liability Section Personal Liability (L1)10000NA

13. Star Health and Allied Insurance Co. Ltd. Plan B-1Sum Insured USD 100000 (including USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto 475077486088513301500 5 to 782585596599513601630 8 to 14102011501175127118502400 15 to 21111512951405149123713940 22 to 28119514911711182529804960 29 to 35143419312025210036206385 36 to 47193523202544263046997935 48 to 60264035453591366058259070 61 to 75343545754600467571359551 76 to 904310536554505524900510975 91 to 12058106780740075001360015191 121 to 147759085909990101201871025685 148 to 18094101096012010121252278528425 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan B-1

14. 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)100000100 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) 100050 Hijack (T7)10012 Hrs Liability Section Personal Liability (L1)20000NA

15. Star Health and Allied Insurance Co. Ltd. PlanB-2Sum Insured USD 100000 (excluding USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto 443245950452911591235 5 to 748049951953911851290 8 to 1459468074078016691770 15 to 2168871577080021792200 22 to 2878079781687026902730 29 to 358879301010104531303327 36 to 47101811531172123040554256 48 to 60111012421330146050655263 61 to 75160617242934302366506730 76 to 90204623243414352879798099 91 to 12028282997461347921105511165 121 to 14734533842598462321464414715 148 to 18043484750721481601779217850 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan B-2

16. 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)100000100 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) 100050 Hijack (T7)10012 Hrs Liability Section Personal Liability (L1)20000NA

17. Star Health and Allied Insurance Co. Ltd. Plan C-1Sum Insured USD 250000 (including USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto 479082587090014001601 5 to 78559501105126014501685 8 to 14106012501271134019702720 15 to 21114013601485154024344385 22 to 28125015851855188031005325 29 to 35155019602140215537456630 36 to 47194025152695275549558810 48 to 60295538553955405559559855 61 to 754070506551655265763310270 76 to 904765594059806040943511015 91 to 12064307200786079651558516189 121 to 1478645899010840109401997026970 148 to 180104601186012871129702660030376 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan C-1

18. 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)250000100 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) 200050 Hijack (T7)20012 Hrs Liability Section Personal Liability (L1)25000NA

19. Star Health and Allied Insurance Co. Ltd. Plan C-2Sum Insured USD 250000 (excluding USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto 451552953558512001260 5 to 754658360364513501390 8 to 1463373378783517351825 15 to 2175077984390522502500 22 to 2880687792896627752900 29 to 359419471121122733754359 36 to 47115112601306137543004983 48 to 60136714242671287053006106 61 to 75186819133345336972257708 76 to 90218226533901392689979072 91 to 12031694081526652911235812433 121 to 14738534833695669801637916454 148 to 18055815751840084251989719972 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan C-2

20. 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)250000100 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) 150050 Hijack (T7)20012 Hrs Liability Section Personal Liability (L1)25000NA

21. Star Health and Allied Insurance Co. Ltd. Plan D-1Sum Insured USD 500000 (including USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto 498511301165122517001775 5 to 798511591190143619202035 8 to 14125017111821185526752825 15 to 21142318051855189033404450 22 to 28168220142070221041505720 29 to 35203627052825286052006865 36 to 47252030903190324568108975 48 to 603730425039904075865010060 61 to 7548015709579958951098511135 76 to 9063757945797580091391914040 91 to 12076551074010771108052179021990 121 to 14796691386513895139303011030225 148 to 180124251549015521155553564035840 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan D-1

22. 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)500000100 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) 250050 Hijack (T7)20012 Hrs Liability Section Personal Liability (L1)50000NA

23. Star Health and Allied Insurance Co. Ltd. Plan D-2Sum Insured USD 500000 (excluding USA & CANADA) Age Days 6-40 Years41-50 Years51-55 Years56-60 Years61-65 Years66-70 Years Upto 790410241125125016751825 8 to 14116414911475158523852515 15 to 21135516841750180029503035 22 to 28156518901910194535253600 29 to 35193124392525265443454500 36 to 47226930453070322555305625 48 to 60304639403635379568136905 61 to 75411548704905540088308950 76 to 9049246783642565651042911200 91 to 12061057954805082751487515175 121 to 1477976997510075113762062521350 148 to 18098301207512300125752402524325 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Plan D-2

24. 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)500000100 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) 200050 Hijack (T7)20012 Hrs Liability Section Personal Liability (L1)50000NA

25. 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.

26. 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

27. 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.)

28. Star Health and Allied Insurance Co. Ltd. Third Party Administrator Paramount Healthcare Management Pvt. Ltd. Dedicated Help Line – 0091 2267515559 Toll Free Number when dialing from USA -1 866 978 5205 Toll Free Number when dialing from Rest of the World -00 91 2267515559 E-Mail : travelhealth@phmglobal.com

29. 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 1 866 978 5205 Toll Free Number when dialing from Rest of the World 00 91 2267515559 2.Call for claim Form 3.Get the assistance for Admission through our Assistance Co.

30. 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

31. 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

32. 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

33. 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

34. 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 1800 425 2255 2.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

35. 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

36. Star Health and Allied Insurance Co. Ltd.