International Travel Insurance

INDIA'S INDIA'S
MOST BEST
PREFERRED TRAVEL
TRAVEL INSURANCE
INSURANCE PRODUCT

IMP Travel Brand Awards 2018 India Travel Awards 2018

 the world without a worry!
To ‘explore’ the world is one of life’s most delightful experiences -
one that you wish to make the most of. From visa formalities to
hand-picking the choicest tour package, you leave no stone unturned
in ensuring your trip is perfect in every way.

You sure don’t wish that an unforeseen situation, especially pertain-

ing to your health, should ruin your trip. At Care Health Insurance,
your happiness and comfort is our priority. Which is why, we don’t
just take care of your medical needs while travelling overseas, but go
beyond. - International Travel Insurance from Care Health
Insurance brings you a world of new-age benefits & services. Right
from trip cancellation to hospitalization and compensating for lost
baggage too...! All you need to do is pack your bags, plan the trip of
your choice, and you’re ready to go! Rest assured, with , all
you’ll take back home will be happy memories.

• Travel insurance plans

• Region specific plans to suit your needs
• Schengen approved Travel Insurance#
• Complete support in case of medical or non-medical emergency
• Exclusive features and coverage options
• Instant Policy
# Available for plans with no sub limit

- a snapshot!
Key Coverage for Medical needs
• Hospitalisation Cover – In-patient & Out-patient (in case of emergency)
• Pre-Existing Disease Coverage (in case of Life Threatening
Conditions)
• Treatment in Home Country As a part of Inpatient care
• Common Carrier Accidental Death
• Dental Expenses
• Daily Allowance for Hospitalization
• 2-way Compassionate Visit
• Accidental Death/Permanent Total Disability

... and key Coverage for Non-medical needs as well!

• Trip Delay, Cancellation or Interruption
• Loss/Delay of Checked-In baggage
• Loss of Passport
• Personal Liability
• Return of Minor Child
• Up-gradation To Business Class
 medical coverage!
What if you contracted severe infection during your tri p ?
Medical Cover: Covers your emergency hospitalization or treatment if
during your travel you are diagnosed with an illness, or any Life Threaten-
ing Previous illness. In case you require further treatment even after your
return, expenses for the same will be covered up to a period of 30 days
or upto policy end date, whichever is earlier.
What if you have a medical emergency during your tri p and there
is no hospital in the near vicinity?
Medical Evacuation: Covers costs incurred for any emergency transporta-
tion and evacuation services, to transfer you to an appropriate medical
facility within our network.
What if the vehicle you are traveling in met with an accident?
Personal Accident: Covers any unfortunate situation arising out of an
accident, death or permanent total disability, while you’re traveling abroad.
What if the aircraft you’re traveling in is involved in a mid-air mishap?
Common Carrier Accidental Death: Lumpsum payment of Sum Insured
in case of accidental death as a passenger on a common carrier/transport.
Even covers mounting and unmounting during your trip.
What if you have a painful fal l during your tri p and end up
with missing teeth?
Dental Expenses: Covers dental expenses incurred in connection with
any injury while on your trip.

benefits beyond medical!

What if you cancel led your tri p because of a storm?

Trip Cancellation & Interruption: We cover financial loss incurred out of
cancellation of your trip due to an unforeseen event arising due to
specified manmade or natural situations.
What if an unforseen event caused your flight to be delayed?
Trip Delay: If your departure is delayed we will pay a fixed amount for
each block of 4 consecutive hours of delay from the scheduled departure
due to earthquake, flood, rains, strom, cyclone or tempest; or terrorism.
What if regaining your Checked-in Baggage becomes a concern?
Loss of Checked-in Baggage: Covers expenses for your checked-in
baggage that you lost while in custody of the Common Carrier.
Delay of Checked-in Baggage: Covers expenses in case of a delay in
receipt of the checked-in baggage beyond 12 consecutive hours.
What if you can’t find your passport?
Worry not! We even cover this.
Loss of Passport: Covers expenses for the issue of a new or duplicate
passport.
What ifyou dropped your heavy suitcase fracturing an old woman’s foot?
Personal Liability: Covers expenses against legal liability for bodily injury or
property damage that occurred accidentally to third parties during your trip.

What if your Visa is rejected? Refund of Visa Fee: We will pay

for re-imbursement of Visa fee if , if the Visa got rejected for no fault or
negligence of the Insured Person.

the world of added privileges

What if you wish to make a phone cal l to your spouse often
while hospitalized?
Daily Allowance in case of Hospitalization: Pays a specified amount per day
of stay at the hospital to meet numerous allied expenses such as
attendant’s meals, transportation and communication incurred, in case of
hospitalization for over two consecutive days, for a period of maximum 5
consecutive days.
What if you want your mom to visit you while hospitalized?
2-way Compassionate Visit: Covers transportation expenses for one
immediate family member to travel to the insured’s current location.
What if you fractured your back/spine and can’t travel economy class?
Up-gradation To Business Class: Compensates for up-gradation to
business class for return air travel, in case of hospitalization for over five
consecutive days, due to injury sustained whilst on a trip.
What if you’re down with severe malaria but your son has to
return to school?
Return of Minor Child: Covers the return cost of your minor child to
your home location, in case you’re hospitalized and travelling alone with
your child/children.

well-thought-through provisions

What if you are a FREQUENT FLYER?

You can opt for multi trip policy if you are a frequent flyer. There are
maximum trip duration option 15 or 21 or 30 or 45 or 60 or 90 days

Choose your policy duration as per your needs

In case of single trip, you can opt for a policy period up to a maximum
of 365 days. In case of a multi trip, you can opt for a maximum trip
duration as specified under each plan. Also, if you wish to extend your
policy, you can do it for a maximum duration of 365 days by logging
on to our website - www.careinsurance.com
Plan Highlights

SL.No. Description Explore Asia Explore ANZ Explore Africa Explore Europe Explore Canada+ Explore Silver Explore Gold Explore Platinum
(Plan 1) (Plan 2) (Plan 3) (Plan 4) (Plan 5) (Plan 6) (Plan 7) (Plan 8)
1 Sum Insured US $ 10k, 25K, US $ 25K, US $ 25K, € 30K & 100K US $ 50K & 100K US $ 25K, 50K US $ 50K, 100K, US $ 50K, 100K, 300K
50K & 100K 50K & 100K 50K & 100K & 100K,200k 200k,300K & 500K 500K,750k,1000k
2 Australia & Worldwide Worldwide Including US & Canada /
Geographical Scope Asia Africa Europe & UK excluding US
New Zealand Worldwide excluding US & Canada

Trip Options
3 Single Trip Yes Yes Yes Yes Yes Yes
Yes Yes
Multi-trip (Policy will No No No No Yes Yes Yes
be on annual basis) Yes

Trip Duration (in days)

– Single Trip
4
Minimum 2 2 2 2 2 2 2 2
Maximum 365 365 365 365 365 365 365 365

Trip Duration (in days) 15or 21or 30 15or 21or 30 15or 21or 30 15or 21or 30
5 – Multi-trip or 45 or 60 or or 45 or 60 or or 45 or 60 or or 45 or 60 or
N.A. N.A. N.A. N.A.
Maximum Trip 90 days 90 days 90 days 90 days
Duration

Entry Age – Single Trip

Child: 1 day Child: 1 day Child: 1 day Child: 1 day Child: 1 day Child: 1 day Child: 1 day Child: 1 day
6 Minimum Adult: 18 Years Adult: 18 Years Adult: 18 Years Adult: 18 Years Adult: 18 Years Adult: 18 Years Adult: 18 Years
Adult: 18 Years
Maximum Child: 24 Years Child: 24 Years Child: 24 Years Child: 24 Years Child: 24 Years Child: 24 Years Child: 24 Years Child: 24 Years
Adult: Lifelong Adult: Lifelong Adult: Lifelong Adult: Lifelong Adult: Lifelong Adult: Lifelong Adult: Lifelong Adult: Lifelong

Entry Age – Multi-trip Yes No No No No Yes Yes Yes

7 Minimum Child: 1 day Child: 1 day Child: 1 day Child: 1 day

N.A. N.A. N.A. N.A.
Adult: 18 Years Adult: 18 Years Adult: 18 Years Adult: 18 Years
Child: 24 Years Child: 24 Years Child: 24 Years Child: 24 Years
Maximum N.A. N.A. N.A. N.A.
Adult: Lifelong Adult: Lifelong Adult: Lifelong Adult: Lifelong
Family Option*
8 (Available only for Yes Yes Yes Yes Yes Yes Yes Yes
Single Trip Policies).

* Family Option means covering more than one member of a family under the same Policy for same sum insured on individual basis.

What if you cut short your tri p? What is not covered?

No worries we can take care of that.
• Expenses arising out of or attributable to alcohol or drug
• Your policy can be cancelled and premium will be refunded as use/misuse/abuse
per terms and conditions of the Policy • War and Nuclear perils or consequences thereof
• No cancellation will be allowed if a Claim is filed on the policy. • Any intentional self-injury, suicide or attempted suicide
subject to policy terms and conditions • Any claim relating to hazardous activities
Review your decision (only if policy is for 1 year) • The insured being involved in Breach of Law
We have your best interests at heart and at the same time recognise For a detailed set of exclusions, please log on to www.careinsurance.com.
that you know your needs best. Hence, after purchasing the policy, if
you find it unsuitable, you can cancel and return the policy to us. Our
policies come with a free-look period of 15 days from the date of
receipt of policy.
 Plan Options
Plan Detail Explore Asia Explore Anz Explore Africa Explore Europe Explore Canada+ Explore Silver Explore Gold Explore Platinum

Sub-limits applicable for No sub-limits restriction

In-patient Care under this plan by default
Deductible/
Benefit
TimeExcess

Hospitalization
Expenses
-In-patient Care US $ 100 / € 75 Up to SI Up to SI Up to SI Up to SI Up to SI Up to SI Up to SI Up to SI
Out-patient US $ 100 / € 75 Up to SI Up to SI Up to SI Up to SI Up to SI Up to SI Up to SI Up to SI
Treatment
Daily Allowance 2 days US $ 25 per US $ 25 per US $ 25 per € 25 per day, US $ 25 per US $ 25 per day, US $ 25 per day,
day, max 5 day, max 5 day, max 5 max 5 day, max 5 max 5 max consecutive
consecutive consecutive consecutive consecutive consecutive days consecutive
days days days days days 5 days

Compassionate N.A. Up to US $ 5,000

Visit

Return of Up to US $ 2,000
N.A.
Minor Child
Up-gradation to N.A. Up to US Up to US Up to US Up to € 750 Up to US Up to US Up to US $ 1,000
Business Class $ 1,000 $ 1,000 $ 1,000 $ 1,000 $ 1,000
Dental US $ 100 / € 75 Up to US Up to US Up to US Up to € 300 Up to US Up to US Up to US Up to US $ 500
Treatment $ 300 $ 300 $ 300 $ 300 $ 300 $ 400

Personal N.A. US $ 15,000 US $ 15,000 US $ 15,000 € 10,000 US $ 15,000 US $ 15,000 US $ 20,000 US $ 25,000
Accident
Common Carrier N.A. US $ 5,000
Accidental Death
and Disability

Repatriation of N.A. Up to US Up to US Up to US Up to € 30,000 Up to US Up to US Up to US Up to US $ 50,000

Mortal Remains $ 10,000 $ 25,000 $ 10,000 $ 50,000 $ 50,000 $ 50,000

Arrangement of US $ 100 / € 75 Up to base Up to base Up to base Up to base Up to base Up to base Up to base Up to base
Emergency - SI (part of SI (part of SI (part of SI (part of SI (part of SI (part of SI (part of SI (part of
Medical Evacuation Policy SI) Policy SI) Policy SI) Policy SI) Policy SI) Policy SI) Policy SI) Policy SI)
Up to US Up to US Up to US Up to US Up to US
Trip Cancellation N.A. Up to € 750 N.A. Up to US $ 1,000
$ 1,000 $ 1,000 $ 1,000 $ 1,000 $ 1,000

Trip Interruption N.A. Up to US Up to US Up to US Up to € 300 Up to US N.A. Up to US Up to US $ 500

$ 500 $ 500 $ 500 $ 500 $ 500
$25 per $25 per $25 per each € 20 per each $25 per each N.A. $25 per each $25 per each set
each set of each set set of 4 hours set of 4 hours set of 4 hours set of 4 hours of 4 hours delay; Up to
Trip Delay
4 hours of 4 hours delay; Up to delay; Up to delay; Up to delay; Up to 150 $
delay; Up to delay; Up to 150 $ 120 € 150 $ 150 $
150 $ 150 $
Loss of Checked- $50/€30 Up to US Up to US Up to US Up to € 300 Up to US N.A Up to US Up to US $ 1000
in Baggage
$500 $ 500 $ 500 $ 500 $ 750
Delay of Checked-
12 hours US $ 100 US $ 100 US $ 100 € 100 US $ 100 N.A. US $ 100 US $ 100
in Baggage
Loss of Passport US $ 300; US $ 300; US $ 300; € 200; US $ 300; Max. US $ 300; Max.
and/or N.A. Max. US $ Max. US $ Max. US $ 100 Max. € 75 in US $ 100 in case N.A US $ 300; Max. US $ 100
US $ 100 in case
International 100 in case 100 in case in case of loss case of loss of in case of loss of IDL
of loss of IDL of loss of IDL
Driving License of loss of IDL of loss of IDL of IDL IDL
Personal Liability US $ 100 / € 75 Up to US $ Up to US $ Up to US $ Up to € 75,000 Up to US $ N.A. Up to US $ Up to US $ 100,000
100,000 100,000 100,000 100,000 100,000
Hijack Distress N.A. $100 per $100 per day $100 per day for €75 per day for $100 per day for N.A. $100 per day for $100 per day for max. 5
Allowance day for max. for max. max. 5 max. 5 max. 5 max. 5 consecutive days
5consecutive consecutive consecutive days consecutive days consecutive days consecutive days
days 5 days
Missed Flight
6 hours Up to $300 Up to $300 Up to $300 Up to €200 Up to $300 N.A. Up to $300 Up to $300
Connection
Automatic Trip as applicable Up to 7 Up to 7 Up to 7 Up to 7 Up to 7 Up to 7 Up to 7 Up to 7
consecutive consecutive consecutive consecutive consecutive consecutive consecutive consecutive
Extension under Benefit 1 days days days days days days days days

Optional Benefit - Life Threatening Condition due to PED and Refund of Visa Fee available
No matter which part of the world you are, we’re just a call
away!

In case of Claim, notify us immediately on any of the below

touch-points for hassle free processing and speedy settlements.
Falck Global Assistance (Assistance Service Provider)
USA & Canada: +1 844 301 3135 | +1 844 301 3146 (Toll Free)
Any other country: +91 124 4498760 (Call Back Facility)
travelassistance@careinsurance.com

In case of reimbursement of claims, reach us at the below touch points

Care Health Insurance Limited - Unit No. 604 - 607, 6th Floor, Tower C,
Unitech Cyber Park, Sector-39, Gurugram-122001 (Haryana)
1800-102-4488 | 1800-102-6655
www.careinsurance.com
travelassistance@careinsurance.com (for claims)
customerfirst@careinsurance.com (for policy servicing)

Be it cashless settlement or reimbursement of medical expenses,

we deliver on our promise of worry free experience!

Sub-limits
Medical Expense Sub-limit
Room Rent including boarding 1.5% of the Sum Insured subject to a maximum
and lodging of US $ 2,000 per day / € 1,500 per day
2% of the Sum Insured subject to a maximum
ICU Charges of US $ 3,000 per day / € 2,250 per day
Operation Theatre charges 10% of the Sum Insured subject to a maximum
(including Surgeon Charges) of US $ 20,000 per Claim / € 15,000 per Claim
Anestesia 25% of the surgery cost payable
Ambulance Services US $ 500 per Claim / € 375 per Claim
Diagnostics and Radiology US $ 1,000 per Claim / € 750 per Claim
Services
US $ 100 per visit / € 75 per visit subject to
Medical Practitioners visit fees maximum of 10 visits per Claim
Miscellaneous Expenses US $ 1,000 per Claim / € 750 per Claim

For the purpose of application of the above limits :

(i) Surgery includes operation theatre charges, surgeon fees, implant charges and all
other associated charges.
(ii) Ambulance Services include cost of transportation of the Insured Person to the
nearest Hospital and paramedic services.
(iii) Miscellaneous Expenses includes but not limited to the cost of medicines,
pharmacy or drugs supplies, nursing charges, external medical appliances as
prescribed by a registered Medical Practitioner as necessary and essential as part
of the treatment on actuals, blood storage and processing charges and any other
services which are not specified above.

Care Health Insurance Limited

Care Health Insurance (CHI) is a specialized Health Insurer offering
health insurance services to employees of corporates, individual
customers and for financial inclusion as well. With CHI’s operating
philosophy being based on the principal tenet of ‘consumer-centricity’,
the company has consistently invested in the effective application of
technology to deliver excellence in customer servicing, product
innovation and value-for-money services.
Care Health Insurance currently offers products in the retail segment
for Health Insurance, Critical Illness, Personal Accident, Top-up
Coverage, International Travel Insurance and Maternity along with
Group Health Insurance and Group Personal Accident Insurance for
corporates.

The organization has been adjudged the ‘Best Health Insurance

Company’ at the ABP News-BFSI Awards 2015 & ‘Best Claims
Service Leader of the Year – Insurance India Summit & Awards
2018. Care Health Insurance has also received the ‘Editor’s Choice
Award for Best Product Innovation’ at Finnoviti 2013 and was
conferred the ‘Best Medical Insurance Product Award’ at The FICCI
Healthcare Awards 2015.

www.careinsurance.com
Quick quote & buy Online renewals

Customer support Claim centre

1800-102-4488 customerfirst@careinsurance.com

Care Health Insurance Limited

(Formerly Religare Health Insurance Company Limited)
Registered Office: 5th Floor, 19 Chawla House, Nehru Place,
New Delhi-110019
Correspondence Unit No. 604 - 607, 6th Floor, Tower C, Unitech
Cyber Park, Sector-39, Gurugram-122001 (Haryana)
Website: www.careinsurance.com
E-mail: customerfirst@careinsurance.com
Call us: 1800-102-4488
Disclaimer: This is only summary of selective features of product
. For more details on risk factors, terms and conditions please
read sales brochure carefully before concluding a sale. Please seek
the advice of your insurance advisor if you require any further
information or clarification.
Insurance is a subject matter of solicitation.
CIN:U66000DL2007PLC161503 UAN:21044642
UIN:RHITIOP20134V031920
is a trademark of Care Health Insurance Limited.
IRDAI Registration Number - 148
Ver: APR/21