Asia Guard Travel Insurance FAQs

• Checked Baggage Loss: Compensation for the loss of checked in baggage.
• Loss of Passport: Compensation for expenses incurred in obtaining a duplicate or new passport.
• Checked Baggage Delay: Compensation for reasonable expenses incurred for purchase of emergency personal effects due to delay in arrival of checked in baggage, whilst overseas.
• Personal Liability: Compensation for damages to be paid to a third party, resulting from death, bodily injury or damage to property; caused involuntarily by the insured.

• Assistance Services:

  • Medical Services provider referral
  • Arrangement of hospital admissions
  • Lost luggage assistance
  • Emergency Travel services
  • Embassy referral services
  • Claims procedure information services

Armenia, Azerbaijan, Bahrain, Bangladesh, Bhutan, Brunei, Burma (Myanmar), Cambodia, China, Hong Kong, Indonesia, Iran, Iraq, Israel, Jordan, Kazakhstan, Kuwait, Kyrgyzstan, Laos, Lebanon, Malaysia, Maldives, Mongolia, Nepal, Oman, Pakistan, Philippines, Qatar, Saudi Arabia, Singapore, Sri Lanka, Syria, Taiwan, Tajikistan, Thailand, Turkey, Turkmenistan, UAE, Uzbekistan, Vietnam, Yemen.

This policy does not cover expenses directly or indirectly in respect of: travelling against the advice of a physician, for obtaining treatment, pre-existing ailments and complications arising from them, suicide or attempted suicide, war, illegal acts, travelling under the influence of drugs, terrorism, dangerous sports etc. Please refer to the policy wordings for other exclusions.

One usually travels abroad for two reasons- a pleasure trip or a business trip. You do not want anything to spoil your hard earned holiday or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Overseas Travel Insurance protects you from all such perils. It ensures that in a foreign land you are not left stranded in any kind of an emergency.

The Insurance cover commences on the day specified in the Policy Schedule or the time you board the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy, whichever is later.

Insurance Cover shall terminate (i) with the end of Insurance Period i.e. the period for which the premium has been paid or (ii) when the insured person first disembarks on return to India.

Where your stay abroad is extended for reasons beyond your control, the extension may be granted by insurance company after collecting appropriate additional premium. You have to contact your insurer with details in such cases.

In case of any emergency, wherein you might need immediate medical care or assistance, you may call upon the Alarm Centre or assistance companies, stating the necessary details.

The original bills and vouchers must be submitted along with all claims.

• Bills/ Prescriptions/ vouchers/ reports/ discharge summary must contain the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment.
• Prescriptions must clearly show the medicines prescribed, the price and the receipt stamp of the pharmacy. In the case of dental treatment, the bills/ vouchers/ reports must give the details of the tooth treated and the treatment performed.
• For reimbursement of the extra costs of transporting the mortal remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death.
• For reimbursement of the extra costs of transporting the mortal remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death.
• For reimbursement of extra expenses of transportation of Insured Person to the Republic of India, a medical statement indicating the cause of illness and the necessity of the transportation. Medical statements from relations or spouses will not be accepted.
• In case of loss of baggage, a Property Irregularity Report or other report usually issued by the carriers in the event of loss of baggage. Proof of value for article above deductibles
• For personal liability, proof of judicial decision rendered by a court of law.
• For Personal Accident, bills/ vouchers/ reports/ discharge summary, Death Certificate, First Information Report, Post Mortem Report Legal Heir Certificate and such other documents as applicable.
• Any other document(s) that the company requires from the Insured Person to process the claim.

You can get your policy cancelled only if you have not undertaken the journey and you produce your passport as a proof that the journey has not been undertaken. Any such request of cancellation will be entertained upto 14 days after the first date of insurance as indicated in the schedule of the policy. In case of cancellation of your policy, a specified amount will be deducted as administration charges, from the refundable amount.

The insurance covers you only for accidents or sickness which happen unexpectedly and unintentionally while you are travelling abroad.

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