If the Checked-In Baggage of the Insured is permanently lost whilst in custody of the Common Carrier/ Public Carrier in relation to Trip covered, we will pay the Insured a pro-rated sum insured as specified in Part I of the Policy Schedule, for pieces of baggage lost.

The cover ‘Loss of Checked-in baggage’ can be extended to cover for any loss of electronic equipment, whilst in custody of the Common Carrier/ Public Carrier in relation to Trip covered whereby the insured is carrying the same in his baggage. We will indemnify the Insured for the cost of such electronic equipment after accounting for depreciation.

If the checked-in baggage gets damaged during transit, then the Company would pay the insured a flat benefit amount as mentioned in the Part I of the Policy Schedule. This cover is meant only for damage to the baggage and not for the damage of individual articles contained in the baggage.

The Company shall indemnify the Insured up to the Sum Insured amount as mentioned in Part I of the Policy Schedule in case of failure of the Insured to access the connecting flight/connecting journey through Common Carrier/ Public Carrier as per schedule, any time during the Trip within the Period of Insurance, arising out of and consequent upon the delayed arrival of the earlier flight / Common Carrier / Public Carrier caused by reasons beyond the control of the Insured.

1. The official cancellation charges, resulting from cancellation of the ticket in relation to the Missed Connecting Common Carrier / Public Carrier. 

2. Additional cost of transportation to proceed with the journey originally scheduled to have been covered by the Missed Flight/Common Carrier/ Public Carrier.

In the event the Insured loses or damages his/her original passport or international driving license overseas due to robbery, burglary, theft or natural disasters etc. during the Trip covered under the Policy, the Company shall pay to the insured a fixed benefit amount as mentioned in Part I of the Policy Schedule.

The Company shall indemnify the Insured for the financial loss incurred by the insured arising out of 

a. Cancellation of the trip following unexpected events, upto before the departure of the Trip solely attributable to and/or arising out of sickness or injury; 

b. Personal contingencies; 

c. Natural Calamities; d. A Terrorism / Terrorist attack; 

e. A Major Travel Event; 

f. Loss of Passport 

g. A Government advisory.

If there is a disruption to your Trip due to:

1. Major Travel event, 
2. Medical advice to discontinue the trip due to a serious injury or serious sickness; 
3. Hijacking; 
4. Unexpected death or injury or sickness of your Close Relative or your Travel Companion;
5. Loss of passport due to theft/robbery/burglary etc.; 
6. Quarantine upon medical advice preventing travel from Overseas; 
7. Hospital confinement of self, travel companion or immediate family member whilst overseas

If the Insured is arrested or detained by the police/judicial authorities, and if the offence for which he is arrested or detained is bailable, then the amount upto the maximum specified Sum Insured against this cover in Part I of the Policy Schedule.

The Company shall indemnify the Insured, the tuition fee in case the Insured Person having to repeat the semester due to:

1. Hospitalization of the Insured for more than one consecutive month
2. Discontinuation of studies due to death of any one immediate family member or the sponsor