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 FAQs - Travel Insurance FAQs

What is "Baggage Insurance" ?
Baggage Insurance is insurance that covers the loss or damages to personal baggage of the policyholder or his family members due to fire, theft or accident during the course of journey anywhere in India including stoppage enroute. 

Who is entitled to an Executive Travel Policy ?
Any Indian National over the age of 18 years residing in India is entitled for Executive Travel Policy against risks during their travel overseas and within India on the following basis:

Travel Overseas - All 24 hours during the covered trip up to 60 days only
Travel Within India - Travels by commercial plane as a ticketed passenger by train / licensed coach / taxi including private taxi, outstation use of company car and while as a pedestrian but excluding two wheelers or the public road transport system. 

What is the maximum indemnity available under the Executive Travel Policy ?
In case of personal accident, the maximum limit of indemnity is Rs.30 lakhs. In case of loss of checked baggage outside India, the maximum limit of indemnity is Rs.75,000/- and within India it is Rs.40,000/-

Who can opt for 'Suhana Safar Policy'?
All domestic travelers can opt for this policy. It covers the risk of accident to the policyholder, spouse and dependent children and loss of baggage during the period of his outstation travel within India. 

What is the extent of liability under Suhana Safar Policy ?
Maximum liability available for personal accident is Rs.1,00,000 per person and liability for loss of baggage is limited to Rs.15,000/- where the number of people covered is 4. 

What is the period of insurance under Suhana Safar Policy ?
The coverage available under this package is for a single round trip to all the declared places (including places enroute) up to the scheduled date of return. The policy cover is available for trips up to 60 days only. However the policy can be extended to cover further 60 days on payment of additional premium. 


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