Travel insurance plans cover various kinds of situations such as hospitalization due to Covid-19, loss of check-in baggage or delay in check-in baggage, flight cancellations and any other unpredictable circumstances. Thus, whatever is the purpose of your trip: leisure or business related; invest in Royal Sundaram’s travel insurance policy, so that any financial loss you may incur is covered. A travel insurance policy is a vital document that you carry with you when you travel. You buy it depending on the dates you are traveling on so that you can enjoy your journey without any problems. You should choose a policy depending on the requirements and budget of your trip and if you are traveling single or in a group. Royal Sundaram offers various plans to choose from so that you and your family or friends remain safe. It is very simple to select the best policy for you as all the information is available online, and if you have any questions or concerns, we are happy to provide you with the support required.
There are different types of travel insurance available focused on the needs and goals of your trip. They are detailed so that each step of your journey is covered, as financial security is the main priority of the travel insurance plan.
Single Trip Travel InsuranceSingle Trip Travel Insurance is the most commonly availed insurance where the insurance is taken for a specific travel abroad to a country for the duration of stay there. It can be availed for all family members travelling with separate individual Sum Insured.
Senior Citizen Travel InsuranceSenior Citizen Travel Insurance is aimed at individuals above the age of 70. Since elderly people usually travel after retirement and in a group or as a couple, the plan safeguards them against risks.
The Multi Trip Travel InsuranceThe Multi Trip Travel Insurance plan is suited for people traveling for work-related purposes. Multiple trips in a year are covered and it avoids taking separate insurance policies each time.
Student Travel InsuranceStudent Travel Insurance caters to students going abroad for further studies. It provides complete coverage for the duration of stay of the student in a foreign country.
Royal Sundaram offers multiple types of travel insurance plans, depending on the type of trip you are planning, be it a single trip, a multi-trip package or a student trip abroad. Each plan comes with its own unique benefits, making Royal Sundaram one of the most trustworthy and versatile travel insurance products in the market today
|Key Benefits||Student Plan||Multi Trip||Single Trip|
|Medical Expenses (including Medical Evacuation)|
|Sickness Dental Relief|
|Accidental Death & Dismemberment (24 hours)|
|Repatriation of Mortal Remains|
|Delay of Checked-in Baggage|
|Loss of Checked-in Baggage|
|Loss of Passport|
|Treatment for mental and nervous disorders|
|Child Care Benefits|
|Coverage for pre-existing conditions|
|Loss of Laptop|
|Emergency Hotel Extension|
|Loss of Baggage Á Personal Efects|
|Return of Minor Child|
|Difference in Airfare|
|Emergency Cash Advance|
|Bounced Hotel/Airline Booking|
|Home Content Insurance|
Travel related risks while you are in a foreign country, like an accident abroad, loss of travel documents, hospitalization due to sickness/accident can turn out to be quite disturbing and at the same time expensive. Besides the protocol and procedures to be followed in the respective country and the corresponding anxious moments and unnecessary worries it can have on the traveller, it can also give a considerable financial burden.
Royal Sundaram brings to you “Travel Secure”, which is a comprehensive Travel Insurance Plan which offers holistic travel insurance solutions to every discerning traveller.
Coverage is available for travel to countries for which a valid visa has been obtained. From a country perspective, we have classified our coverage under the following options
❖ Worldwide including Americas (Americas include North, Central, South America and Canada. Option to include Schengen countries)
❖ Worldwide excluding Americas (Option to include Schengen countries)
❖ Asia* (excluding Korea and Japan )
(* Coverage to Korea and Japan shall be available under Worldwide including/excluding Americas category)
In reality anyone who is traveling abroad needs travel insurance, since medical treatment costs nearly 3 to 4 times higher in foreign countries. It is very common to have baggage displaced by airlines, around 20 million baggage are misplaced every year. If you are not aware of your destination, you might be susceptible to a travel scam and face loss of passport or personal items. Therefore, Royal Sundaram’s Travel Secure Insurance Policy is a necessary investment for the future.
Due to the Covid-19 pandemic, lockdowns were imposed and people could not travel for more than two years. Even if they did choose to travel, there was risk associated such as getting diagnosed with covid-19 and being hospitalized. If one does not have travel insurance, then the medical expenses they would acquire would be a lot. Also, if you are a student studying abroad but need to come back home since your parents are ill. If you have Royal Sundaram’s Travel Secure insurance, then it would pay for your airfare as well as reimburse unused expenses such as accommodation fees. If you are a businessman and have multiple trips planned in the year then it would be advantageous for you to buy Royal Sundaram’s Travel Secure insurance as that would provide support in case of flight delay, missed connection and much more.
Royal Sundaram offers coverage for many scenarios, as listed below:
In case there is a medical emergency such as you fall sick or meet with an accident then travel insurance plans offer coverage for it. If you require medical evacuation to the nearest hospital or need to be evacuated back to India, then the Royal Sundaram's Travel Secure policy covers that as well.
If you are a student and your education is interrupted because a family member is sick, then we will reimburse the unused tuition fee.
Unfortunately, it is a common occurrence for the baggage to be delayed or sent somewhere else by mistake. However, you don't need to worry as Royal Sundaram's travel secure insurance plan will recover the cost of the missing items until your luggage reaches you as specified under the policy In case your baggage is lost or stolen which is a difficult situation to be in, however the policy can provide you support for that as well. There will be reimbursement offered for the items in the baggage, the limit would be subject to conditions in the policy.
An unpredicted circumstance such as a loss of passport can occur, which would disturb your trip as obtaining a passport abroad is difficult. However, Royal Sundaram's plans offer coverage for these situations such as covering the expenses for a new passport.
The plan also covers personal liability, where if you are involved in an accident and someone else is injured, the policy will cover the expenses for the damages to the third-party. Also, the policy will not cover the family members or other people who live with you.
Under Hijack Help, the plan offers distress allowance in case the flight you are on is hijacked.
If your flight is delayed due to the weather or other reasons for more than 12 hours and you need to stay at a hotel or incur other additional expenses, the policy offers coverage for that
Under Accident & Sickness Medical Expense, if the policyholder and/or beneficiaries are diagnosed with covid-19 outside the Republic of India and hospitalized for treatment, then there is compensation for medical expenses. It offers compensation up to the limit mentioned in the policy.
Automatic Extension covers if a lockdown is imposed while traveling and no mode of transportation is available. Then Royal Sundaram will automatically extend the policy for 7 days.
- To be eligible for Leisure, multi trip and Asia travel insurance plans you should be 18 years or above
- The minimum entry age is 18 and the maximum entry age is 70 years from the start of the policy. For children, the minimum entry age is 91 days
- There is a separate plan for Senior citizens in which the minimum entry age is 71 years and no maximum entry age
- For the Student travel insurance plans, the minimum entry age is 12 years and the maximum entry age is 40 years from the start date of the policy
The premium payable shall be based on your age, country of visit and number of days of travel. The applicable premium shall be remitted as a single payment. Please refer to the ‘Plans & Premium’ section for the complete premium grid.
Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.
Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.
|End of coverage term||Cover under this policy ends when the Insured Person first disembarks on return to India or the Contracted Return Date or the date of expiry of Insurance whichever is earlier.|
|Cancellation of policy|
a. Where a journey is not undertaken: Insured person will be requested to produce passport copy as a proof that the journey has not been undertaken. Further, any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/-
b. When insured returns earlier than the original scheduled date of arrival as specified in the policy, premium will be refunded subject to the condition that no claim is lodged during that period. We will refund premium based on the refund table structure specified in the policy. The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period.
|Fraudulent event/non-cooperation||The policy when cancelled/not renewed on grounds of fraud, moral hazard or misrepresentation or non-cooperation by the Insured.|
<p>You would get the policy terms and conditions together with a certificate detailing the insurance coverage details. This will be emailed to you, as soon as you purchase the policy. Soft copy of the policy document is sufficient for you to make a claim.</p>
<p>A policy issued under Leisure plan can be extended based on request much prior to the expiry of the policy. Subject to no claim having been reported and confirmation of good health by the insured person, the company will inform the additional premium applicable which will be difference between the premiums applicable for the total extended period less the premium already paid. Upon receipt of premium prior to expiry of the period specified in the policy, company will issue an endorsement extending the policy up to the permissible extended period. The maximum number of days that can be covered including extension shall not exceed 360 days in respect of Leisure Plan.</p>
Cancellation of policy by the Insured Person may be done only in the following cases,
|S.No||Actual travel period on risk||Rate of premium to be retained|
|1||More than 50%||100%|
|2||Between 41 – 50%||80%|
|3||Between 31 – 40%||75%|
|4||Between 21 – 30%||60%|
|5||From inception to 20%||50%|
The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. The Company may also cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium.
Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force:
However, please note free look is not applicable in the case of renewals. Free look cancellation as per provisions of Health Regulations.
<p>Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.</p>
<p>Yes. The product / plan may be withdrawn at any time subject to IRDAI’s approval, in which case a notice to the Proposer shall be sent 3 months prior to expiry of policy, at the address recorded / updated in the policy. When the policy is withdrawn, the product / plan shall not be available for renewal at the due date. However, the cover under such policy shall continue till the expiry date shown in the schedule of the policy. In the event of withdrawal of a product, Company shall offer similar alternative product from its currently marketed product suites.</p>