Exclusions applicable to Travel Policies:

Transcription

1 In case of any claim or assistance abroad call TollFree Numbers : 7. Tuition Fee: Reimbursement of the tuition fee paid in advance for the current semester, (maximum limit mentioned in schedule) if the insured discontinues school owing to medical conditions requiring hospitalization or due to serious injury / death of either parent. (Subject to policy Terms & Conditions.) 8. Family Visit: In the event of the insured becoming hospitalized as a result of an accidental injury or sickness covered under the policy and the attending physician advises attendance of a family member, the company will reimburse the travel cost for the visit (Family members include spouse, parent, sibling and inlaws) 9. : Covers the reasonable and necessary expenses to obtain a duplicate passport or a valid travel document. In case of any early return of the insured person prior to expiry of the policy period the company will refund premium at the following rates subject to no claims being incurred on the policy Period of Risk Above 50% of Policy Period Between 4050% of Policy Period Between % of Policy period Between 2030% of Policy Period Policy inception 20% of Policy period Rate of Premium Retained by Company % of premium 80% of premium 75% of premium 60% of premium 50% of premium Scholars Guide No of Days Not Covered 30 s ***, AD&D Common Carrier 2, 90 Loss of Checked Baggage** 120 1,00, Bail Bond 5, Tuition fee 10, Accident to Sponsor 10, Family Visit 7, Premium Worldwide in Rs. 405 **Per Baggage maximum 50 % and per item in the baggage maximum 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years Brilliant Minds Sum Insured in USD Sum Insured in in US in US $ No of Days USD 50, s* ***, AD&D Common Carrier 2, Loss of Checked Baggage** 120 1,00, Bail Bond 5, Tution Fee 10, Accident to Sponsor 10, Family Visit 7, 0 Premium excl Age yrs Premium in Rs. Premium World Wide *Covers accidental hospitalization only, sickness excluded. **Per Baggage maximum 50 % and per item in the baggage maximum 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years Age 1635 yrs Exclusions applicable to Travel Policies: 1.Any medical condition or complication arising from it which existed before the commencement of the Policy Period, or for which care, treatment or advice was sought, recommended by or received from a Physician. 2. Routine physical or other examination where there is no objective indication of impairment of normal health. 3. Medical expenses beyond the expiry of the Policy Period. 4. Suicide, attempted suicide or wilfully selfinflicted injury or illness, mental disorder, anxiety/stress / depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs. 5. Manual work or hazardous occupation, selfexposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act. 6. Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing. 7.Experimental, unproven or nonstandard treatment. 8. Treatment by any other system other than modern medicine (also known as Allopathy). 9. The cost of spectacles, contact lenses, and hearing aids, crutches, and all other external appliances and/or devices whether for diagnosis or treatment. 10. Delay of baggage when the intended destination is in India 11. Loss or damage to the Insured's passport as a result of the confiscation or detention by customs, police or any other authority. 12. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained. 13. Loss caused by the Insured's failure to take reasonable steps to guard against the loss of the passport. Policy can be extended to cover the following on payment of 20% additional premium under all Student Elite Plans. 1. Treatment for mental and nervoous d i s o r d e r s, including alcoholism and drug dependency. 2. Medical expenses incurred for sports injuries. Originating Country USA (001) (001) Austria (043) Belgium (032) Denmark (045) France (033) Germany (049) Hungary (036) Ireland (353) Italy (039) Malaysia (060) Netherlands (031) New Zealand (064) Norway (047) Philippines (063) Portugal (351) Spain (034) Sweden (046) Swizerland (041) UK (044) Finland (358) carrier TS Finland (358) carrier Elisa Hong Kong (852) Israel (972) Singapore (065) So. Korea (082) carrier Telecom So. Korea (082) carrier Dacom Thailand (066) Japan (081) carrier Tele Japan (081) carrier IDC Japan (081) carrier NTT Japan (081) carrier KDD Australia (061) Dialed Number When dialing a universal toll free number the caller must first dial the appropriate country's int'l access code (+) as illustrated above. Fax : travel@bajajallianz.co.in Contact Details General Insurance Company Limited, G.E. Plaza, Airport Road, Yerawada, Pune Tel: (020) Fax: (020) For any queries please contact: Students Travel Plan Overseas travel of students made riskfree Covers the travel cost of family, in case the insured is hospitalized Special Feature : In the event of the return of the student to India in vacation during the current policy coverage, the policy is temporarily suspended and cover resumes again as soon as student goes abroad without the need to take a new policy. Disclaimer: The above information is only indicative in nature. For details of the coverage & exclusions please contact our nearest office. This Policy of Insurance is a Contract between the Company and the Insured Person. The Insured Person) shall not transfer, assign, alienate or in any way pass the benefits and/or liabilities to any other person, Institution, Hospital, Company or Body Corporate without specific prior approval in writing by a duly authorized officer of the Company. However, if the Insured Person(s) is permanently incapacitated or deceased, the legal heirs of the Insured may represent him in respect of Claim under the Policy BSNL/MTNL Any Mobile & Landline info@bajajallianz.co.in Other (Chargeble) <Prefix City Code> Insurance is the subject matter of the solicitation BJAZB0057/26Sep11

2 Students Travel Plan Covering your overseas travel What is Study Companion Plan? General Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise, stability and strength. This joint venture company incorporates global expertise with local experience. The comprehensive, innovative solutions combine the technical expertise and experience of the 110 year old Allianz SE, and indepth market knowledge and good will of Bajaj brand in India. Competitive pricing and quick honest response have earned the company the customer's trust and market leadership in a very short time. The Advantage Global expertise & local knowledge Innovative packages to match individual needs Only insurance company with inhouse international toll free phone and fax number Quick disbursement of claims Providing reimbursement on Tuition Fees General Insurance has customized plans for virtually every travel need of students. All you have to do is choose a plan that suits you. Student Student Elite Plan Study Companion Plan Scholars Guide Brilliant Minds Meets the exclusive needs of student travelers Why do I need a Students Travel Plan? Every student desires to study abroad. To make your travel risk free, Students travel plan brings you an array of policies to choose from, which will provide the comprehensive cover for your journey. What is Student Elite Plan? The Student Elite Plan is a customized insurance policy for students travelling abroad. What does the Student Elite Plan cover for me? 1. Reimbursement of the tuition fee paid in advance for the current semester (maximum limit mentioned), if the insured discontinues school owing to medical conditions requiring hospitalization; or due to serious injury / death of either parent. 2. In case the sponsor named in the schedule meets with an accident resulting in death / permanent disability during the policy period, the company shall reimburse the remaining school fee subject to the maximum limit mentioned. 3. In case the insured is hospitalized due to accidental injury/sickness covered in the policy and the attending physician advises the necessary attendance of a family member, the Company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum sum insured (Family means spouse, parent, sibling and inlaws of the insured) 4. In addition to the sum insured in the section, the company will pay the sum insured specified in the schedule, if the insured sustains accidental bodily injury during travel by a common carrier; and the same takes place within 12 months of the date upon which it was sustained and resulted in the insured's death / loss of two eyes / loss of two limbs / loss of one limb and one eye. 5. In case the insured is arrested for inadvertently breaking the law during overseas travel, the Company will pay the amount as per the schedule, towards the bail amount for release except when the insured has been charged with breaking the law with criminal intent or for over speeding in a vehicle. Benefits Table In US$ Cover Standard Silver Gold Evacuation Repatriation 50,000 1,00,000 Emergency Dental Pain Relief included in (I) above.,000,000,000 AD &D Common Carrier 2, 2, 2, Loss of Baggage (Checked)** Bail Bond Insurance 50 Tuition Fee 10,000 10,000 10,000 Accident to Sponsor 10,000 10,000 10,000 Family Visit 7, 7, 7, 1,00,000 1,00,000 1,00, ** Per baggage maximum 50% and per item in baggage maximum 10% *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years Product Student Elite Plan Standard(US$00) Silver (US$ 1 lac) Gold (US$ 2 lac) Days Band Excluding Including Excluding Including Excluding Including Premium includes Service Tax as applicable on 1April Age: 1635 years The study companion plan is customized for students travelling abroad for studies. It is designed to cater to the medical exigencies the student might face while studying there. Based on premium, sum insured and certain other criteria, there are three options to choose from under this categorystandard, Silver and Gold. What does the Study Companion Plan cover for me? The insurer can claim reimbursement under this policy: 1) Current Semester Tuition Fees reimbursement subject to maximum limit mention in case the insured is unable to continue the school semester due to serious medical condition of the insured requiring hospitalization or death / serious injury requiring hospitalization of either of the parents during the policy period. (Subject to policy Terms & Conditions.) 2) In the event of the sponsor mentioned in the policy meeting with an accident during the policy period, resulting in death or permanent disability the company shall reimburse the remaining school fees. (Subject to policy Terms & Conditions.) 3) In the event of the insured becoming hospitalized as a result of an accidental injury or sickness covered under the policy and the attending physician advises necessary attendance of a family member, the company will reimburse the travel cost for the visit (Family members include spouse, parent, sibling & inlaws) (Subject to policy Terms & Conditions.) Benefits Table Cover Standard Silver Gold in US $ in US $ in US $ in US $ Evacuation Repatriation 50,000 1,00,000 Emergency Dental Pain Relief included in (I) above. Tuition Fee 10,000 10,000 10,000 *** 50,000 50,000 50,000 Loss of Checked Baggage** Accident to Sponsor 10,000 10,000 10,000 Family Visit 7, 7, 7, 1,00,000 1,00,000 1,00, **Per Baggage maximum 50 % and per item in the baggage maximum 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years Product Student Companion Plan Standard Silver Gold Days Band Excluding Including Excluding Including Excluding Including Premium includes Service Tax as applicable on 1 April 2012 Age: 1635 years What is Scholars Guide and Brilliant Minds? Scholars Guide and Brilliant Minds are two new plans specially designed to cover the overseas travel risks of students. What do the Scholars Guide and Brilliant Minds policies cover for me? 1. The Brilliant Minds policy covers hospitalization expenses due to accident while sickness cover is excluded. 2. : In case the insured meets with an accident resulting in death and permanent disablement, during the policy period, the company would reimburse the remaining school fees as per the maximum limit mentioned in the schedule 3. AD & D Common Carrier: The company would pay the sum insured specified in the schedule in addition to the sum specified under the personal accident section, in case the insured sustains accidental bodily injury resulting into death/permanent disability, while traveling in a common carrier, such as rail, bus, tram or aircraft during the course of the journey. 4. Loss of Checkedinbaggage: Covers total and complete loss of baggage checked in, by an international airline 5. : Covers the legal liability attaching in a private capacity, during the course of overseas travel 6. Bail Bond: Subject to all other terms and conditions if you are arrested for any inadvertent law breaking during your travel overseas, the company would pay the amount mentioned in the schedule towards the bail amount for your release, excluding for any bail amount where you have been charged with breaking the law with criminal intent or for overspeeding in a vehicle.

3 Travel Asia Elite : I n d i v i d u a l E l i t e F a m i l y S e n i o r C i t i z e n This is a special package devised for individuals travelling to Asia. Travellers can select from Travel Asia Flair and Travel Asia Supreme, according to their need for cover. These packages are extremely convenient with cover options ranging from 1 30 days. Evacuation included in (I) above AD & D Common Carrier Loss of Checked Baggage Emergency Cash Advance**** Benefits in US $ 7,*** 2, 200** $ 20 per to max $ ,000 Elite Asia Flair Premium includes service tax applicable on 1 April 2012 in respect of the death of the insured person below age of 18 years**** Cash Advance Would include delivery charges Travel Asia Elite Flair: Age yrs 4160 yrs 6170 yrs Age yrs 4160 yrs 6170 yrs US $ Travel Asia Elite Supreme Restricted to travel in Asia, excluding Japan, Period of Travel not to exceed 30 days Elite Asia Supreme Benefits in US $,000 7,*** 2, 200** $ 30 per to 10,000 in US $ Travel Elite Family : If you are travelling abroad with your family, this package is designed for you. It covers the entire family (self & spouse upto 60 years of age, two children, under 21 years) for medical eventualities abroad and provides floater benefit to individual family members. Travel EliteFamily US $ 50,000 included in (I) above AD & D Common Carrier Loss of Checked Baggage Emergency Cash Advance**** Golfer's Holeinone Trip Cancellation Home Burglary Insurance Trip Curtailment Hospitalization Daily Advance Benefits in US $ 00 respect of the death of the insured person below age of 18 years**** Cash Advance Would include delivery charges 10,000*** 2, 0** 0 $ 20 per to max $ 120 1,00,000 0 Rs.1, 00, $ per day to max $ in US $ Days of travel Excl. USA/ Incl. USA/ 15 days days days Family floater, self, spouse up to 60 yrs and two children below age of 21 yrs covered in the above premium. For each additional adult between 2160 yrs 40% premium will be charged. For each additional child(upto 21yrs.)% extra shall be charged. Premium includes service tax as applicable on 1 April 2012 Travel Age Elite : This package is specially devised for senior citizens aged between 61 to 70 years and offers the flexibility of cover for trips abroad ranging from 1180 days. included in (I) above AD & D Common Carrier Loss of Checked Baggage** Emergency Cash Advance**** Golfer Holeinone Trip Cancellation Home Burglary Insurance Trip Curtailment Hospitalization Daily Allowance Special Conditions (limit of liability) Any one illness Any one accident Benefits in US $ Silver Gold 50,000 2, 0 $ 20 per to max $ 120 1,00,000 0 Rs.1, 00, $ per day to max $ 12,,000,000 5,000 0 $ 30 per to Rs.2, 00, $ per day to max $1 30,000 Platinum 5,00,000,000 5,000 0 $ 30 per to Rs.3, 00,000 $ per day to 17, 35,000 in US $ **Per Baggage maximum 50 % and per item in the baggage 10 %. **** Cash Advance Would include delivery charges Age Days of Travel 14 days 57 days 814 days 1521 days 2228 days 2935 days 3647 days 4860 days 6175 days 7690 days days days 151 Travel Age Silver Excluding Including Travel Age Gold Excluding Including Exclusions applicable to Travel Policies: 1.Any medical condition or complication arising from it which existed before the commencement of the Policy Period, or for which care, treatment or advice was sought, recommended by or received from a Physician. 2. Routine physical or other examination where there is no objective indication of impairment of normal health. 3. Medical expenses beyond the expiry of the Policy Period. 4. Suicide, attempted suicide or wilfully selfinflicted injury or illness, mental disorder, anxiety/stress / depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs. 5. Manual work or hazardous occupation, selfexposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act. 6. Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing. 7.Experimental, unproven or nonstandard treatment. 8. Treatment by any other system other than modern medicine (also known as Allopathy). 9. The cost of spectacles, contact lenses, and hearing aids, crutches, and all other external appliances and/or devices whether for diagnosis or treatment. 10. Delay of baggage when the intended destination is in India 11. Loss or damage to the Insured's passport as a result of the confiscation or detention by customs, police or any other authority. 12. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained. 13. Loss caused by the Insured's failure to take reasonable steps to guard against the loss of the passport. Travel Age Platinum Excluding Including Travel Super Age Elite: This package is specially designed for senior citizens aged between 7175 years.travel Super Age Elite US$50,000 Sum Insured in US$ s Medical expenses, evacuation And repatriation included in (I) above AD & D Common Carrier Loss of checked Baggage** Delay of checked Baggage Emergency Cash Advance+ Golfer's Holeinone Trip Cancellation Home Burglary Insurance Trip Curtailment Hospitalization Daily Allowance Special conditions* Any one illness Any one accident Age 14 days 57 days 814 days 1521 days 2228 days 2935 days 3647 days 4860 days 6175 days 7690 days days days 151 Excluding USA/ 7175 years Premium includes service tax as applicable on Feb '09. 50,000 Including USA/ 7175 years In case of any early return of the insured person prior to expiry of the policy period the company will refund premium at the following rates subject to no claims being incurred on the policy 10,000 1, 0 max.$300 $20 per 12hrs. to max.$120,000 0 Rs.1,00, $ per day to max. $ 10,000 20,000 $. $. **Per Baggage maximum 50% and per item in baggage maximum 10%. +Cash advance would include delivery charges. Period of Risk Rate of Premium Retained by Company Above 50% of Policy Period % of premium Above 40% to 50% of Policy Period 80% of premium Above 30 % to 40 % of Policy period 75% of premium Above 20 % to 30% of Policy Period 60% of premium Policy inception 20% of Policy period 50% of premium In case of any claim or assistance abroad call TollFree Numbers : Originating Country USA (001) (001) Austria (043) Belgium (032) Denmark (045) France (033) Germany (049) Hungary (036) Ireland (353) Italy (039) Malaysia (060) Netherlands (031) New Zealand (064) Norway (047) Philippines (063) Portugal (351) Spain (034) Sweden (046) Swizerland (041) UK (044) Finland (358) carrier TS Finland (358) carrier Elisa Hong Kong (852) Israel (972) Singapore (065) So. Korea (082) carrier Telecom So. Korea (082) carrier Dacom Thailand (066) Japan (081) carrier Tele Japan (081) carrier IDC Japan (081) carrier NTT Japan (081) carrier KDD Australia (061) Dialed Number When dialing a universal toll free number the caller must first dial the appropriate country's int'l access code (+) as illustrated above. Fax : travel@bajajallianz.co.in Disclaimer: The above information is only indicative in nature. For details of the coverage & exclusions please contact our nearest office. This Policy of Insurance is a Contract between the Company and the Insured Person. The Insured Person) shall not transfer, assign, alienate or in any way pass the benefits and/or liabilities to any other person, Institution, Hospital, Company or Body Corporate without specific prior approval in writing by a duly authorized officer of the Company. However, if the Insured Person(s) is permanently incapacitated or deceased, the legal heirs of the Insured may represent him in respect of Claim under the Policy Contact Details General Insurance Company Limited, G.E. Plaza, Airport Road, Yerawada, Pune Tel: (020) Fax: (020) For any queries please contact: BSNL/MTNL Any Mobile & Landline info@bajajallianz.co.in Other (Chargeble) <Prefix City Code> Travel Elite For those who travel a class apart Insurance is the subject matter of the solicitation Adcode

4 I n d i v i d u a l E l i t e I n d i v i d u a l E l i t e I n d i v i d u a l E l i t e is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise, stability and strength. This joint venture company incorporates global expertise with local experience. The comprehensive, innovative solutions combine the technical expertise and experience of Allianz SE, and indepth market knowledge and goodwill of Bajaj brand in India. Competitive pricing and quick honest response have earned the company the customer's trust and market leadership in a very short time. The Advantage Global expertise & local knowledge Innovative packages to match individual needs Only insurance company with in house international toll free phone and fax number Quick disbursement of claims Providing emergency cash advance. Travel Elite We have customized plans for virtually every travel need. All you have to do is choose a plan that suits you: Individual + Silver Gold Platinum + Travel Asia Elite Flair & Supreme + Policies with varying benefits/limits/premiums to choose from. Family Senior Citizen Corporates Student +Travel Elite Family Floater benefits for the entire family under a single policy. +Corporate Elite Lite and Plus. Meets the exclusive needs of corporate travelers. +Student Elite Plan A Customized policy for students traveling abroad to study. Student & Corporate Travelers: For specific plans devised to suit your needs, please contact the nearest branch office or call on our toll free numbers. What is Travel Elite? +Travel Age Elite Silver, Gold and Platinum. Exclusively designed for the health needs of the 6170 yrs age group. Travel Super Age Elite For individuals aged 7175 yrs. Travel Elite gives the discerning traveler an array of policies to choose from, with each policy customized to meet your specific needs. Depending upon whether one is a student, businessman, corporate executive, senior citizen or one traveling with the family, one can choose Travel Elite, Travel Asia Elite, Travel Elite Family, Corporate Elite or Student Elite policies. The Policy is comprehensive and covers personal Accident (death and disablement), Medical Expenses and Repatriation (including medical evacuation to a hospital in India preapproved by claims administrator), Loss and Delay of Checked Baggage,, (legal), Cashless Service, Hospitalization expenses, Golfer's Holeinone, Cover, Trip Delay, Trip Cancellation, Trip Curtailment, Home Burglary Insurance, E m e r g e n c y C a s h A d v a n c e a n d A c c i d e n t a l D e a t h a n d Disability(Common Carrier) Ensuring a risk free business trip What do, Cancellation and Curtailment entail? : If the aircraft on which you are booked to travel from India is delayed beyond from original scheduled departure time, the sum mentioned in the schedule is paid. Trip Cancellation is compensation for loss of personal accommodation or travel charge, following the cancellation of the trip due to death, serious injury or sudden sickness requiring minimum three days hospitalization of insured of family member. Similarly, for Trip Curtailment under the abovementioned circumstance, the company compensates the insured. Does Travel Elite offer Cash less service? Yes. Travel Elite offers Direct Settlement for inhospital medical expenses abroad. (Subject to policy terms and conditions and sublimits) What if I am in urgent need of cash abroad? One of the important features of this policy is Emergency Cash Advance. It is an assistance service, wherein the company facilitates providing emergency cash to the insured during incidents such as theft/burglary of luggage/money or hold ups by cocoordinating with the insured person's relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in the policy schedule. Any Other Special Features of the Travel Elite Policy? Yes. The Golfer's Holeinone is a sporting gesture from the company. It offers reimbursement of expenses incurred in celebrating holeinone by the insured during the trip, anywhere in the world (excluding India) in a United States Golfer's Association recognized golf course. These are specially customized travel policies that cater to the needs of an individual traveling abroad. They cover all medical eventualities including hospitalization and other incidental expenses at a fraction of the amount that would be otherwise needed. Depending upon your requirement (the sum insured and the premium payable), you can choose from any of these three policies. Travel Elite Silver : Specially compiled travel policy that caters to the needs of an individual traveling abroad. It covers all medical eventualities including hospitalization and other incidental expenses at a fraction of the amount that would be otherwise needed. Evacuation included in (I) above AD & D Common Carrier Loss of Checked Baggage Emergency Cash Advance**** Golfer Holeinone Trip Cancellation Home Burglary Insurance Trip Curtailment Hospitalization Daily Allowance Benefits in US $ in US $ 50,000 **Per Baggage maximum 50 % and per item in the baggage maximum 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years**** Cash Advance Would include delivery charges. *** 2, ** $ 20 per to max $ 120 1,00,000 0 Rs.1, 00, $ per day to max $ 0 Excluding USA/ Including USA/ Age yrs yrs. ½40 yrs yrs Travel Elite Gold : A travel policy that caters to the needs of an individual traveling abroad. It covers all medical eventualities including hospitalization and other incidental expenses while also offering a much higher insured sum. Benefits in US $ in US $ and Repatriation included in (I) above,000*** AD & D Common Carrier 5,000 Loss of Checked Baggage ** 0 $ 30 per to Emergency Cash Advance**** Golfer Holeinone Trip Cancellation Home Burglary Insurance Rs.2, 00,000 Trip Curtailment 300 Hospitalization Daily Allowance $ per day to max $1 respect of the death of the insured person below age of 18 years**** Cash Advance Would include delivery charges. Age yrs yrs. ½40 yrs yrs. Excluding USA/ Including USA/ Travel Elite Platinum : The policy offers high value benefits for an individual travelling abroad. It covers all medical eventualities including hospitalization and other incidental expenses with enhanced medical coverage of $5,00,000 and increased limit of $ for emergency cash. Benefits in US $ in US $ 5,00,000 included in (I) above,000*** AD & D Common Carrier 5,000 Loss of Checked Baggage ** 0 $ 30 per to Emergency Cash Advance**** Golfer Holeinone Trip Cancellation Home Burglary Insurance Rs.3, 00,000 Trip Curtailment Hospitalization Daily Allowance $ per day to respect of the death of the insured person below age of 18 years**** Cash Advance Would include delivery charges. Excluding USA/ Including USA/ Age yrs yrs. ½40 yrs yrs

5 In case of any claim or assistance abroad call TollFree Numbers : Travel Asia : Travel Family : Travel Age : This is a special package devised for individuals travelling to Asia. Travellers can select from Travel Asia Flair and Travel Asia Supreme, according to their need for cover. These packages are extremely convenient with cover options ranging from 1 30 days. I n d i v i d u a l F a m i l y S e n i o r C i t i z e n Travel Asia Flair * Premium includes service tax as applicable on 1 April 12 Travel Asia Supreme Travel Asia Flair Travel Asia Supreme Benefits Benefits in US $ in US $ $ 50,000 $ 50 included in (I) above Loss of Checked Baggage 200** 200**.. 7,*** 7,*** Loss of passport ,000 10,000 $20 per $20 per day to day to max $ 200 max $ 200 **Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years Excluding Japan Period/Age yrs 4160 yrs 6170 yrs Excluding Japan Period/Age ½ 40 yrs 4160 yrs 6170 yrs Restricted to travel in Asia, excluding Japan. Period of Travel: not to exceed 30 days Premium includes service tax as applicable on 1 April 12 If you are travelling abroad with your family, this package is designed for you. It covers the entire family (self & spouse upto 60 years of age, two children under 21 years) for medical eventualities abroad and provides floater benefit to individual family members. Benefits in US $ s in US $ 50,000 included in (I) above Loss of Baggage (Checked) 0** 12hrs. 10,000*** Loss of passport ,000 **Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years Geographical Excluding USA Excluding USA Excluding USA Coverage Passenger Age/ 2 adults + Additional premium Additional premium Travel Duration 2 children per supplementary per supplementary child (more than 6 adult (more than 21 months and less years until 60 years) than 21 years) 15 days days days Family Floater: Self, spouse up to 60 years age and two children below the age of 21 covered in the above premium USA and are excluded For each additional child % extra shall be charged For each adult additional 40% will be charged Premium includes service tax as applicable This package is specially devised for senior citizens aged between 61 to 70 years and offers the flexibility of cover for trips abroad ranging from days. Benefits in US $ s in US $ + Evacuation 50,000 included in (I) above Loss of Baggage (Checked) 0*.,000 Loss of passport 0 1,00,000 $ 50 per day to a Emergency Cash advance++ Golfer Holeinone 0 *Per baggage maximum of 50% and per item in the baggage max 10%. + Any one illness liability limited to US $12,. Hospitalisation due to accident max. liability US $,000. Overall max. liability under this head US $ 50,000, aggregate during the policy period. ++Cash advance would include delivery charges. * Premium includes service tax as applicable on 1 April 12 Age Excluding USA/ Including USA/ 6170 yrs yrs In case of any early return of the insured person prior to expiry of the policy period the company will refund premium at the following rates subject to no claims being incurred on the policy Period of Risk Above 50% of Policy Period Between 4050% of Policy Period Between % of Policy period Between 2030% of Policy Period Policy inception 20% of Policy period Exclusions applicable to Travel Policies: Our Achievements: Rate of Premium Retained by Company % of premium 80% of premium 75% of premium 60% of premium 50% of premium 1.Any medical condition or complication arising from it which existed before the commencement of the Policy Period, or for which care, treatment or advice was sought, recommended by or received from a Physician. 2. Routine physical or other examination where there is no objective indication of impairment of normal health. 3. Medical expenses beyond the expiry of the Policy Period. 4. Suicide, attempted suicide or wilfully selfinflicted injury or illness, mental disorder, anxiety/stress / depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs. 5. Manual work or hazardous occupation, selfexposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act. 6. Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing. 7.Experimental, unproven or nonstandard treatment. 8. Treatment by any other system other than modern medicine (also known as Allopathy). 9. The cost of spectacles, contact lenses, and hearing aids, crutches, and all other external appliances and/or devices whether for diagnosis or treatment. 10. Delay of baggage when the intended destination is in India 11. Loss or damage to the Insured's passport as a result of the confiscation or detention by customs, police or any other authority. 12. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained. 13. Loss caused by the Insured's failure to take reasonable steps to guard against the loss of the passport. Disclaimer: The above information is only indicative in nature. For details of the coverage & exclusions please contact our nearest office. This Policy of Insurance is a Contract between the Company and the Insured Person. The Insured Person) shall not transfer, assign, alienate or in any way pass the benefits and/or liabilities to any other person, Institution, Hospital, Company or Body Corporate without specific prior approval in writing by a duly authorized officer of the Company. However, if the Insured Person(s) is permanently incapacitated or deceased, the legal heirs of the Insured may represent him in respect of Claim under the Policy. Originating Country USA (001) (001) Austria (043) Belgium (032) Denmark (045) France (033) Germany (049) Hungary (036) Ireland (353) Italy (039) Malaysia (060) Netherlands (031) New Zealand (064) Norway (047) Philippines (063) Portugal (351) Spain (034) Sweden (046) Swizerland (041) UK (044) Finland (358) carrier TS Finland (358) carrier Elisa Hong Kong (852) Israel (972) Singapore (065) So. Korea (082) carrier Telecom So. Korea (082) carrier Dacom Thailand (066) Japan (081) carrier Tele Japan (081) carrier IDC Japan (081) carrier NTT Japan (081) carrier KDD Australia (061) Dialed Number When dialing a universal toll free number the caller must first dial the appropriate country's int'l access code (+) as illustrated above. Fax : travel@bajajallianz.co.in Contact Details General Insurance Company Limited, G.E. Plaza, Airport Road, Yerawada, Pune Tel: (020) Fax: (020) For any queries please contact: BSNL/MTNL Any Mobile & Landline info@bajajallianz.co.in Insurance is the subject matter of the solicitation Other (Chargeble) <Prefix City Code> BJAZB0055/15Nov11 Travel Companion Travel with a wellwisher

6 I n d i v i d u a l I n d i v i d u a l I n d i v i d u a l is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise, stability and strength. This joint venture company incorporates global expertise with local experience. The comprehensive, innovative solutions combine the technical expertise and experience of Allianz SE, and indepth market knowledge and goodwill of Bajaj brand in India. Competitive pricing and quick honest response have earned the company the customer's trust and market leadership in a very short time. The Advantage Global expertise & local knowledge Innovative packages to match individual needs Only insurance company with in house international toll free phone and fax number Quick disbursement of claims Covers expenses of hospitalization, loss of baggage & other incidental expenses Travel Companion We have customized plans for virtually every travel need. All you have to do is choose a plan that suits you: Individual + Travel Care Travel Secure Travel Value + Travel Asia Policies with varying benefits/ limits/premiums to choose from. Family Senior Citizen +Travel Family Floater benefits for the entire family under a single policy. +Travel Age Exclusively designed for the health needs of the 6170 yrs age group. Corporates +Corporate Lite Corporate Plus Meets the exclusive needs of corporate travellers. Student +Study Companion A customized policy for students travelling abroad to study. STUDENT & CORPORATE TRAVELERS : For specific plans devised to suit your needs, please contact the nearest branch office or call on our Toll Free numbers. For whom is the Travel Companion Policy ideal? The Travel Companion Policy is a comprehensive package which provides complete medical and health cover to the international traveller. The Student Companion Policy covers a host of risk factors for the student travelling abroad. Why do I need Travel Companion? Travelling abroad to a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. Travel Companion covers you for all medical eventualities for just a fraction of the amount you would otherwise need. Ensures your family, a fun filled journey. What does the Policy cover? The Policy is comprehensive and covers (death and disablement), Medical Expenses (including medical evacuation to a hospital in India preapproved by claims administrator), Loss and Delay of Checked Baggage,, (Legal), Cashless Service, Hospitalization expenses, Golfer s Holeinone, Cover,, Emergency Cash Advance etc. Does Travel Companion offer Cash less service? Yes. Travel Companion offers direct settlement for inhospital medical expenses abroad. (Subject to policy terms and conditions and sublimits) What if I am in urgent need of cash abroad? One of the important features of this policy is Emergency Cash Advance. It is an assistance service, wherein the company facilitates providing emergency cash to the insured during incidents such as theft/burglary of luggage/money or hold ups by coordinating with the insured person's relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in the policy schedule. Any other special features of the Travel Companion policy? Yes. The Golfer s Holeinone is a sporting gesture from the company. It offers reimbursement of expenses incurred in celebrating a holeinone by the insured during the trip, anywhere in the world ( excluding India ), in a United States Golfers Association recognized golf course. What are the various packages on offer under the Travel Companion Policy? We have various plans. Depending on your specific needs, you can opt for Travel Care, Travel Secure, Travel Value, Travel Family or Travel Age, Corporate Package, Study Companion. Travel Companion offers a host of tailor made travel policies that cater to the special needs of an individual travelling abroad. They cover all medical eventualities including hospitalization and other incidental expenses at a fraction of the amount that would be otherwise needed. Depending upon your requirement (the sum insured and the premium payable), you can choose from any of these three policies. Travel Care : A travel policy that caters to the specific needs of an individual travelling abroad. It covers all medical eventualities including hospitalization and other incidental expenses at a fraction of amount that would be otherwise needed. Benefits in US $ s in US $ 50,000 included in (I) above Loss of Baggage (Checked) 0** 12hrs. 10,000*** Loss of passport ,00,000 $ 50 per day to Emergency Cash Advance**** respect of the death of the insured person below age of 18 years **** Cash Advance Would include delivery charges. Excluding USA/ * Premium includes service tax as applicable on 1 April 12 Including USA/ Age ½40 yrs yrs. ½40 yrs yrs. Travel Secure : A travel policy that provides increased cover for all medical eventualities including Hospitalization, Loss of baggage and other incidental expenses. In addition, it also offers added benefits like and Golfer s Hole inone. Benefits in US $ s in US $ * included in (I) above Loss of Baggage (Checked) **.,000*** Loss of passport 0 $ 50 per day to $ 20 per.. maximum $120 Emergency Cash Advance**** 0 Golfer Holeinone 0 respect of the death of the insured person below age of 18 years **** Cash Advance Would include delivery charges. Excluding USA/ Including USA/ Age ½40 yrs yrs. ½40 yrs yrs * Premium includes service tax as applicable on 1 April 12 Travel Value : This policy offers high value benefits for the individual travelling abroad. Covers all medical eventualities including Hospitalization and other incidental expenses with enhanced medical coverage of $5,00,000 and increased limit of $1, for emergency cash. Benefits in US $ s in US $ Evacuation 5,00,000 included in (I) above Loss of Baggage (Checked) **. 30,000*** Loss of passport 0 $ 50 per day to a $20 per. maximum $120. Emergency Cash Advance**** 1, Golfer Holeinone respect of the death of the insured person below age of 18 years **** Cash Advance Would include delivery charges. Excluding USA/ Including USA/ Age ½40 yrs yrs. ½40 yrs yrs * Premium includes service tax as applicable on 1 April 12

7 PREMIUM TABLE Age in Years CORPORATE LITE CORPORATE PLUS years years years *Premium including service tax as applicable. CORPORATE Age Elite Lite 7699 in Rs. CORPORATE Age Elite Plus 9498 system other than modern medicine (also known as Allopathy). 9. The cost of spectacles, contact lenses, and hearing aids, crutches, and all other external appliances and/or devices whether for diagnosis or treatment. 10. Delay of baggage when the intended destination is in India 11. Loss or damage to the Insured's passport as a result of the confiscation or detention by customs, police or any other authority. 12. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained. 13. Loss caused by the Insured's failure to take reasonable steps to guard against the loss of the passport. Corporate Travel Plan Covering your business trips abroad Plan Benefits: Medical expenses, Evacuation and repatriation Emergency Dental Pain Relief(included in 1.) Loss of Checked Baggage Delay of Checked Baggage Hospitalization Daily Allowance What is Corporate Age Package? This plan is specially designed to meet the needs of senior citizens aged between 6170 years. Total Coverage During he Year Maximum Per Trip Duration Special Conditions (Limit of Liability) Any One Illness Any One Accident Corporate Age Lite Sum Insured US$ 50,000 0 $50 per day to Max. $300 $20 per. to Max. $120,000 $ per day to Max. $150 $12, $,000 s.. *Premium includes service tax applicable on 1 April 2012 **Preacceptance medical tests may be advised after getting proposal form. Corporate Age Elite Sum insured US$ 200,000,000 0 $50 per day to Max. $300 $20 per. to Max. $120,000 $ per day to Max. $150 $ $30,000 s.. Exclusions applicable to Travel Policies: 1.Any medical condition or complication arising from it which existed before the commencement of the Policy Period, or for which care, treatment or advice was sought, recommended by or received from a Physician. 2. Routine physical or other examination where there is no objective indication of impairment of normal health. 3. Medical expenses beyond the expiry of the Policy Period. 4. Suicide, attempted suicide or wilfully selfinflicted injury or illness, mental disorder, anxiety/stress / depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs. 5. Manual work or hazardous occupation, selfexposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act. 6. Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing. 7.Experimental, unproven or nonstandard treatment. 8. Treatment by any other In case of any claim or assistance abroad call TollFree Numbers: Australia (061) USA (001) (001) Austria (043) Belgium (032) Denmark (045) France (033) Germany (049) Hungary (036) Ireland (353) Italy (039) Malaysia (060) Netherlands (031) New Zealand (064) Norway (047) Philippines (063) Portugal (351) Spain (034) Sweden (046) Swizerland (041) UK (044) Hong Kong (852) Singapore (065) So. Korea (082)carrier Telecom Thailand (066) Finland (358)carrier Elisa Finland (358)carrier TS Israel (972) Japan (081)carrier IDC Japan (081)carrier KDD Japan (081)carrier NTT Japan (081)carrier Tele So. Korea (082)carrier Dacom When dialing a universal toll free number the caller must first dial the appropriate country's int'l access code (+) as illustrated above. Tel : Fax : travel@bajajallianz.co.in Disclaimer: The above information is only indicative in nature. For details of the coverage & exclusions please contact our nearest office. This Policy of Insurance is a Contract between the Company and the Insured Person. The Insured Person) shall not transfer, assign, alienate or in any way pass the benefits and/or liabilities to any other person, Institution, Hospital, Company or Body Corporate without specific prior approval in writing by a duly authorized officer of the Company. However, if the Insured Person(s) is permanently incapacitated or deceased, the legal heirs of the Insured may represent him in respect of Claim under the Policy Contact Details General Insurance Company Limited, G.E. Plaza, Airport Road, Yerawada, Pune Tel: (020) Fax: (020) For any queries please contact: BSNL/MTNL Any Mobile & Landline info@bajajallianz.co.in Other (Chargeble) <Prefix City Code> Insurance is the subject matter of the solicitation BJAZB0058/15Nov11