Group travel insurance is designed for employers or organizations whose employees or members frequently travel abroad. Instead of purchasing individual policies, a group policy can cover multiple travelers, whether the purpose is business meetings, conferences, training programs, or club activities. Opting for group travel insurance is generally more cost-effective and offers valuable protection.

The Group Multi-Trip insurance policy provides comprehensive coverage against unforeseen events such as trip cancellations, interruptions, medical emergencies, and incidents like terrorism in departure or destination cities. This policy is specifically tailored for frequent group travelers.

Key Benefits

  • Lower Premiums: Group travel insurance plans are more cost-effective compared to individual policies for each member. This makes them an affordable option, reducing the financial burden caused by travel contingencies.
  • Peace of Mind: Comprehensive coverage ensures that all members of the traveling group can feel secure, knowing they are protected against unexpected events.
  • Convenience: In the event of an emergency that disrupts the trip for the group, the financial burden is handled by the policy. This alleviates stress for both the group leader and other members, ensuring a hassle-free experience.

Coverage

  • Health Cover
  • Medical Expenses
  • Dental treatment
  • Transportation
  • Hospital Daily Allowance
  • Total Loss of Baggage Including Delay of Baggage
  • Hijack Distress Allowance
  • Loss of Passport
  • Financial Emergency Assistance Cover
  • Personal Liability
  • Personal Accident
  • Countries covered
  • Trip cancellation, trip curtailment, and trip delay
  • Political Risk and Catastrophe Evacuation
  • Emergency Travel Expenses – Replacement of colleague abroad
  • International Driving License Loss
  • Natural Disaster
  • Incidental Home Country Coverage
  • Acts of Terrorism
  • Sports and Adventure Activities

Exclusions

  1. Overseas Travel-Related Treatments:
    Any treatment deemed a key or contributory reason for overseas travel.
    Treatments that, as per the attending doctor and the overseas administrator, can be postponed until the policyholder’s return to India.
  2. War and Related Activities:
    Losses due to war (declared or undeclared), invasion, civil war, rebellion, insurrection, mutiny, revolution, acts of foreign enemies, seizure of power (military or otherwise), or damage caused by orders from public or government authorities.
    Acts of terrorism, except for claims under Hijack Relief.
  3. Reckless or Criminal Activities:
    Losses arising from reckless, intentional, or criminal acts, including the use or abuse of alcohol and/or drugs, or attempted suicide.
  4. Military or Armed Engagements:
    Participation in air force, military, or naval operations, whether as exercises, war games, or actual engagements with foreign or domestic enemies.
  5. Illegal Activities:
    Losses caused by the insured’s involvement in illegal activities or violations of the law, including resisting arrest.
  6. Health Conditions:
    Claims related to HIV/AIDS and associated health conditions.
  7. Loss or Damage to Passport:
    Loss due to confiscation or detention by customs, police, or other authorities.
    Unreported losses not notified to the police within 24 hours of discovery, without obtaining an official report.
    Loss caused by the insured’s failure to take reasonable precautions to safeguard their passport.

Claim Process

In the event of a loss, the following actions must be taken immediately:

  1. Notify the Insurer:
    Inform the insurer about the loss, submit a detailed written statement of the claim, including the nature, extent, and estimated loss. Delays in intimation may result in the claim being rejected.
  2. Minimize the Loss:
    Take all possible measures to reduce the extent of the loss or damage.
  3. Determine the Cause:
    Identify the proximate cause of the loss, assess its nature and extent, and ensure it falls within the policy’s coverage.
  4. Cooperate with the Insurer:
    Provide full cooperation to the insurer and their appointed surveyor for the survey and accurate assessment of the loss.
  5. Submit Required Documents:
    Furnish necessary records and proof, such as the claim form, claim bill, and a copy of the policy, as requested by the surveyor or insurer.
  6. Identify the Subject-Matter Insured:
    Ensure proper identification of the insured subject matter for processing the claim.