Travel

Here are the basic terminologies used in a Travel Insurance Plan

• Baggage: It means luggage and other personal belongings of the insured during the travel.
• Checked-In Baggage: It means the baggage provided by the insured to a carrier for transportation. The baggage receipt is also issued for the same.
• Air Travel: It means travel by an airline, licensed by the competent authority for carrying passengers.
• Disease: It refers to an illness of the body organs having a defined set of symptoms that become noticeable with-in the policy period and that requires immediate medical attention.
• Medical Advice: It refers to any consultation from a medical practitioner relating to any prescription.
• Any One Illness: It refers to the continuous period of illness. It includes its recurrence with-in 45 days of last consultation in the nursing home or hospital.
• Accident: It refers to a sudden and unforeseen event caused by external and visible means.
• Condition Precedent: It means a policy term upon which the insurer’s liability is conditional.
• Cashless Facility: The insurer may accept the request of the insured for the direct settlement of claim amount as agreed between the Network hospitals and the insurer.
• Cancellation: It refers to the terms upon which the policy is liable to be terminated either by the insured or the insurer by giving notice to the other for a period not less than 15 days.
• Civil War: It means armed opposition between two more parties belonging to the same country. The opposing parties may be of different religious or ethnic groups.
• Foreign War: It means armed opposition between two countries.
• Hijack: It refers to unlawful control of common carrier in which the insured is travelling by threat or violence with wrongful intent.
• Terrorist Activity: It means activities against person, property or organizations that involve the threat of force or violation with an aim to intimidate the government or a section of the society.
• Accumulation Limit: It refers to the maximum amount payable by the insurer in case of rising claims towards any one accident to the insured.
• Alternative Treatments: Any forms of treatments that include Ayurveda, Homeopathy, Sidha, and Unani other that treatments such as allopathy or modern medicine.
• Assistance Service Provider: It means the assistance company as appointed by the insurer to assist the insured under the terms of the policy.
• Trip Duration: It is the time period during which the insured goes out of his country of residence for the trip and ending on the date of return, both days inclusive and calculated on the basis of the local time of the insured’s country of residence.
• Experimental Treatment: It relates to the treatment or therapy not based on a well-known medical practice in India.
• Travel Agent: It refers to a tour operator, an agent, or any other entity from whom the insured buys his travel tickets, book a hotel room, and other travel-related arrangements.
• Beneficiary: In the event of death of the insured, the beneficiary refers to the surviving spouse or the one as assigned by the insured.