GROUP DOMESTIC TRAVEL ASSURE - Optional Add on Covers

The Group Domestic Travel Assure - Optional Add on Cover can only be opted along with the base covers

under the Policy and cannot be opted in isolation or as a separate product. The Add-on covers are provided

on payment of additional premium and subject to the terms and conditions and exclusions as stated in

addition to the Policy Terms and Conditions and Exclusions. These Add-on Covers shall be available only if

the same are specifically mentioned in the Policy Schedule / Certificate of Insurance.

The insurance provided under these Add On covers are only with respect to such and so many of the

coverages as are indicated by a specific amount set opposite in the Policy Schedule/Certificate of

Insurance.

TRAVEL CONTINGENCIES

3.1. Add on -Common Carrier Delay

Definitions specific to this coverage:

1. Equipment Failure: means any sudden, unforeseen breakdown in the Common Carrier's equipment

that caused a delay or interruption of normal trips.

2. Covered Expenses: means any expenses for meals and lodging which were necessarily incurred and

not provided by the Common Carrier or any other party free of charge. Such expenses should be

incurred in the place from where the Common Carrier is scheduled to depart from.

3. Inclement Weather: means any severe weather condition, which delays the scheduled arrival or

departure of the Common Carrier but not including normal, seasonal/climatic weather changes.

4. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

5. Strike: means any labor disagreement, which interferes with the normal departure and arrival or

departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in

the respective Place of Origin.

Coverage:

The Company will reimburse Covered Expenses, if Insured Person’s Trip is delayed due to late

departure of a Common Carrier arising out of:-: -

a) Inclement weather,

b) Strike or other job action by employees of Common Carrier,

c) Equipment failure of Common Carrier,

d) any order or direction by Government or Public Authority,

e) Operational reasons at the departure airport due to air traffic restrictions,

f) Operational reasons of Common Carrier by which Insured Person is travelling.

The Company is liable to pay the Claim only if the delay in departure of Common Carrier is more than the

Time Deductible hours mentioned on Policy Schedule/Certificate of Insurance

Exclusions specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 1 of 53

UIN No. <<>>

1. Delay which was made public or known to Insured Person, prior to the date, Insured Person’s trip was

booked or was announced 12 hours before the scheduled departure time of the Common Carrier by

which Insured Person is travelling.

2. Strikes or labor disputes which existed, or of which advance warning had been given prior to the date

on which trip was booked.

3. Delay due to withdrawal from service temporarily or permanently of any Common Carrier on the

orders or recommendations of any Port Authority or the Aviation Agency or any similar body in India.

4. Cancellation of the Common Carrier and /or cancellation of Insured Person’s Trip

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Document

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

4. Copy of bills and receipts for the meals and accommodation during the delay period if any.

5. Copies of Correspondence with the Airline authorities certifying with reason for the delay.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 2 of 53

UIN No. <<>>

3.2 Add on - Flight Delay

The Company will pay a fixed amount in the event the Scheduled Airline, on which the Insured Person is

travelling, is delayed from its Scheduled Departure or Scheduled Arrival as specified in Policy schedule /

Certificate of Insurance during Trip.

Compensation for such delay shall be payable provided the actual departure / arrival of the Flight happens

after the application of Time Deductible on the Scheduled Departure or Schedule Arrival time.

Exclusions specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Delay of Insured Person’s trip which was announced 12 hours before the scheduled departure time of

the Common Carrier by which Insured Person is travelling.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Copies of Correspondence with the Airline authorities certifying with reason for the delay

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 3 of 53

UIN No. <<>>

3.3 Add on- Trip Cancellation

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which

causes widespread loss, damage, or disruption at locations which are forming part of the trip.

2. Covered Expenses means Non-refundable travel ticket cost.

3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or

departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in

the respective Place of Origin.

Coverage:

The Company will reimburse Covered Expenses in the event of cancellation of Insured Person’s Trip prior

to commencement of such Trip due to: -

1. Illness and / or Injury requiring Hospitalisation or death of Insured Person, Insured Person’s

Traveling Companion, Insured Person’s Spouse and/or Parent and/or Child (ren), Insured Person’s

Traveling Companion's Spouse and/or Parent and/or Child (ren).

2. Occurrence of a Catastrophe.

3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority, which the

Insured Person could not reasonably avoid or plan ahead in time.

4. Cancellation caused by Government regulations or control.

5. Cancellation by Common Carrier which was scheduled for departure for such Trip.

In the event of same claim being admissible under both 3.3. Add on - Trip Cancellation and 3.4. Add on -

Trip Cancellation - Due to Event Cancellation, the amount that is payable under this Coverage 3.3. Add on

- Trip Cancellation shall not be admissible under 3.4. Add on - Trip Cancellation - Due to Event

Cancellation

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -

1. Any of the covered causes for Trip cancellation, which were known to Insured Person prior to the

booking date of Insured Person’s Trip or Policy issue date whichever is later.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Medical records / Death certificate of insured, companion or Immediate Family Member.

5. Details / supporting documents of amount refunded by Common Carrier.

6. Copy of Ticket and copies of Correspondence with the Airline related to trip cancellation.

7. Any other documentary evidences, like newspaper cutting etc. related to Mass bandhs or widespread

Strikes/Catastrophe acknowledged/published by Public Authority if any.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 4 of 53

UIN No. <<>>

3.4 Add on - Trip Cancellation - Due to Event Cancellation

Definitions specific to this coverage:

1. Event: means a planned official Public or Corporate gathering organized for the purpose of business or

entertainment or any other legal purposes, entry to which is regulated through a Pass or invitation or

ticket.

2. Covered Expenses: Non-refundable portion of the cost of travel and Event ticket or the actual amount

paid or Sum Insured whichever is lower.

Coverage:

The Company will reimburse Covered Expenses due to cancellation of an Event, which leads to cancellation

of Trip prior to commencement of such Trip. The circumstances should be beyond Insured Person’s and

Policyholder’s control.

In the event of same claim being admissible under both 3.3. Add on - Trip Cancellation and 3.4. Add on -

Trip Cancellation - Due to Event Cancellation, the amount that is payable under this Coverage 3.4. Add on

- Trip Cancellation - Due to Event Cancellation shall not be admissible under 3.3. Add on - Trip

Cancellation

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

2. Any of the covered causes for Trip cancellation which were known to Insured Person prior to the

booking date of Insured Person’s Trip or Policy issue date whichever is later.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Details / supporting documents of amount refunded by Common Carrier and the event company.

5.Proof of cancelled event with reason.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 5 of 53

UIN No. <<>>

3.5 Add on -Common Carrier Cancellation

The Company will pay a fixed amount as mentioned in the Policy Schedule / Certificate of Insurance in the

event of cancellation of the Scheduled Departure of the Common Carrier during Insured Journey whilst on

Trip.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1.Any of the covered causes for Common Carrier cancellation which were known to Insured Person prior

to the booking date of Insured Person’s Trip or Policy issue date whichever is later.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Document

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

4. Confirmation by Common Carrier on cancellation along with details

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 6 of 53

UIN No. <<>>

3.6 Add on -Missed Event

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which

causes widespread loss, damage, or disruption at locations which are forming part of the trip.

2. Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured

Person’s Place of Residence with an intent of committing a Theft.

3. Event: means a planned official Public or Corporate gathering organized for the purpose of business or

entertainment or any other legal purposes, entry to which is regulated through a Pass or invitation or

ticket.

4. Covered Expenses: Non-refundable portion of the Event ticket or Sum Insured whichever is lower.

5. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

6. Strike: means any labor disagreement, which interferes with the normal departure and arrival or

departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in

the respective place Of Origin.

Coverage:

The Company will reimburse the Covered Expenses, if the Insured Person is unable to attend the pre-

booked Event due to non-commencement of Trip because of the following incidences:

 Accidental Damage to Place of Residence from fire or Burglary that requires Insured Person to be

present at the Place of Residence on the date of Event.

 Occurrence of Catastrophe.

 Illness and/or Injury requiring Hospitalization or death of Insured Person, Insured Person’s Spouse

and/or Parent and/or Child (ren).

 Mass bandhs or widespread Strikes acknowledged / published by Public Authority, which the Insured

Person could not reasonably avoid or plan in time.

 Cancellation caused by Government regulations or control.

 Cancellation by Common Carrier, which was scheduled for departure for such Trip.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Any of the covered causes for Missed Event which were known to Insured Person prior to the booking

date of Insured Person’s Trip or Policy issue date whichever is later.

2. Cost of Event ticket was not borne by the Insured Person

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Medical reports / Death certificate of Insured Person.

5. Copy of Ticket and copies of Correspondence with the Airline/Common Carrier related to trip

cancellation.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 7 of 53

UIN No. <<>>

6. Proof of Purchase of Ticket

7. Reason and proof that Event has been missed.8. Any other documentary evidences, like news paper

cutting etc. related to Mass bandhs or widespread Strikes/Catastrophe acknowledged/published by

Public Authority if any.

8. Any other documentary evidences, like newspaper cutting etc. related to Mass Bandhs or widespread

Strikes/Catastrophe acknowledged/published by Public Authority if any.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 8 of 53

UIN No. <<>>

3.7 Add on -Missed Flight / Cruise

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which

causes widespread loss, damage, or disruption at locations which are forming part of the trip.

2. Covered Expenses: means Non-refundable travel ticket costs.

3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or

departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in

the respective Place Of Origin.

Coverage:

The Company will reimburse Covered Expenses, if the Insured Person misses the flight / Cruise through

which the Insured Person’s Trip would have commenced, due to:

1. Accident or Mechanical Breakdown of the <<mode of transport as mentioned in Policy Schedule /

Certificate of Insurance>> which was being used by Insured Person immediately prior to reaching

Airport/Sea Port.

Mass bandhs or widespread Strikes enroute the Trip which is acknowledged / published by Public

Authority, which the Insured Person could not reasonably avoid or plan in time.

Any cancellation of

<<mode of transport as mentioned in Policy Schedule

/ Certificate of

Insurance>>caused by Government regulations or control

Occurrence of Catastrophe.

For admissibility of Claim under this Coverage it is a condition precedent that the Missed Flight/Cruise

should be solely due to the reasons as mentioned above and provided the time gap between the expected

arrival of the << mode of transport as mentioned in the Policy Schedule / Certificate of Insurance>> at the

Air port / Sea Port and departure of the Missed Flight/ Cruise is more than three (3) hours

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Any facts or matters which led to delay or which were publicly announced in advance, which the

Insured Person was aware or should have been aware.

2. Any deviation from originally scheduled route at the insistence of Insured Person

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Document

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Details / supporting documents of amount refunded by Common Carrier/cruise.

5. Any other documentary evidences, like newspaper cutting etc. related to Mass bandhs or widespread

Strikes/Catastrophe acknowledged/published by Public Authority if any

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 10 of 53

UIN No. <<>>

3.8 Add on-Missed Connection

Definitions specific to this coverage:

1. Covered Expenses: means the cost of alternate flight, for an equivalent or lower-class air ticket after

deducting the refundable amount received from missed flight

Coverage:

The Company will reimburse Covered Expenses arising out of missed connection during the Trip. This

missed flight should be solely due to delay / cancellation of the flight in which the Insured Person is

travelling immediately prior to the missed flight and time gap between the Scheduled arrival of the

previous flight and the Scheduled departure of the missed flight is more than two (2) hours.

In the event, the Insured Person chooses a mode other than a flight to reach the next schedule destination

then The Company will reimburse up to the amount not exceeding the original cost of flight less the refund

received.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2.Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

4. Copy of new Ticket & Boarding Pass.

5. Copies of Correspondence with the Airline authorities certifying the reason for missed connection.

6.Details / supporting documents of amount refunded by Common Carrier for the original scheduled ticket.

7.Invoices /tickets of Additional travel expenses, if any to reach the next scheduled destination

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 11 of 53

UIN No. <<>>

3.9 .Add on - Bounced Booking of Airline

Definitions specific to this coverage:

1. Covered Expenses means

 The difference of cost incurred on an alternate flight by the Insured Person for travelling in a

similar class coinciding from the same city to the same destination as per the Original booking

done.

 Non refundable costs of the Tickets.

Coverage:

The Company will reimburse Covered Expenses if the Insured Person is denied boarding of an aircraft,

during Trip, in which the Insured Person had done a confirmed reservation prior to the check-in date,

provided that: -

1. The Insured Person should have reached the check-in counter before the stipulated time as per the

rules and regulations of the Airline and respective airport

2. The Insured Person should be carrying all requisite documents required to be produced at the time of

check-in

3. Insured Person should not pose any health, safety or security risk for the Airline.

4. Not more than one Claim per Trip will be accepted under this Coverage.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this coverage shall not cover any Claim arising out

of the following under this Coverage: -

Any booking for which Insured Person is unable to furnish proof of booking/payment, and bounced

booking.

2. Any contractual breach by Insured Person including but not limited to non-adherence to the terms and

conditions of the booking service provider.

3. If Insured Person had any waitlisted booking irrespective of whether such bookings have been

promised to be confirmed later.

4. Where the alternative arrangements for flight is provided by Airline within reasonable time period of

departure of such flight.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly filled and signed by the Insured Person.

2.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

3. Copy of cancelled cheque/NEFT form.

4. Correspondence with airline for confirmed advance booking and the reason for not boarding the

flight.

5.Copy of new Ticket & Boarding Pass.

6. Details / supporting documents of amount refunded by Common Carrier for the original scheduled

ticket and the copy of new ticket.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 12 of 53

UIN No. <<>>

3.10 Add on-Fare Lock

Definitions applicable to this coverage:

1. Fare means the price of the airline ticket for base Fare and airline fuel charges and does not include any

fees, taxes and surcharges.

2. Held Fare means the fare for a Defined Flight which the Insured Person would have paid, had he

booked the Flight ticket for himself or his Immediate Family Member, at the moment of taking this

Coverage. The purchase of this Cover and locking of Held Fare should be done simultaneously.

3. Defined Flight means a flight identified by its Flight No, date of departure, Boarding and Destination,

Route and Class booked on a specific website, portal or application.

4. Immediate Family Member shall mean - Spouse, Children, Siblings, Parents and Parents-in-law.

5. Lock period shall mean the period starting from Policy issue date and ending on date/time as specified

in Policy Schedule / Certificate of Insurance.

6. Fare Sharing Percentage shall mean the percentage, as specified in the Policy Schedule / Certificate of

Insurance, calculated by deducting the Held Fare from actual fare paid for booking the Defined Flight,

which the Insured Person will have to bear

Coverage:

The Company will reimburse the loss to Insured Person on account of difference towards the actual fare

paid for booking the Defined Flight and Held Fare, subject to Fare Sharing Percentage.

Claim under this Coverage will be admissible only if the Insured Person buys a flight ticket of the Defined

Flight within the Lock Period as mentioned in Policy Schedule / Certificate of Insurance from the same

website, portal or application where the Held Fare was locked and the Insured Person or his Immediate

Family member actually travels by the Defined Flight under the ticket bought.

Condition Precedent:

The details of the Insured Person and/or his Immediate Family Member who are supposed to travel in the

Defined Flight must be provided at the time of purchasing this cover along with Held Fare and details of

Defined Flight.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. If the Held Fare is locked not less than number of hours as mentioned in the Policy Schedule /

Certificate of Insurance before scheduled departure.

2. If this cover is not purchased along with locking of Held Fare

3. If the ticket is purchased after the expiry of Lock Period

4. If the class of ticket is upgraded

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

4. Proof of the increase in Fare Copy of confirmation of Booking through online / assistance provider /

Airline.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 14 of 53

UIN No. <<>>

3.11 Add on - Fare Dip

Definitions applicable to this coverage:

1. Booked Fare means the fare for a Defined Flight which the Insured Person have paid and booked the

ticket. The purchase of this Cover and purchase of flight ticket using Booked Fare should be done

simultaneously.

2. Dip period shall mean the period which will be considered for assessment of this Coverage, this will

start from the time of issuance of this Policy /Cover Issue Date and ending on date/time as specified in

Policy Schedule / Certificate of Insurance.

3. Dipped Fare means such reduced fare of the Defined Flight during the Dip Period for which Insured

Person provides proof.

4. Defined Flight means a flight identified by its Flight No, date of departure, Boarding and Destination,

Route and Class booked on a specific website, portal or application.

5. Fare Sharing Percentage shall mean the percentage of the reduced amount, as specified in the Policy

Schedule / Certificate of Insurance, calculated by deducting the Dipped Fare from the Booked Fare of

the Defined Flight, which the Insured Person has to bear

Coverage:

The Company will reimburse the loss to Insured Person on account of any decrease in Booked Fare of the

ticket during the Dip Period in Defined Flight for a Trip, subject to Fare Sharing Percentage.

Claim under this Coverage will be admissible only if:

The new fare has reduced at the same website, portal or application where the original ticket was booked

and the Insured Person and/or his Immediate Family member travel by the Defined Flight under the

original ticket bought.

Condition Precedent:

The details of the Insured Person and/or his Immediate Family Member who are supposed to travel in the

Defined Flight must be provided at the time of purchasing this cover. Details of Defined Flight would be

required at the time of Claim.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -

1. If the Booked Fare is booked after the minimum number of hours as mentioned in the Policy Schedule/

Certificate of Insurance before departure of a Defined Flight.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

4. Proof of the decrease in Fare Copy of confirmation of Booking through online / assistance provider /

Airline.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 15 of 53

UIN No. <<>>

3.12 Add on - Trip Interruption

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which

causes widespread loss, damage, or disruption at locations which are forming part of the trip.

2. Covered Expenses means

a) Non refundable travel costs and / or Non-refundable accommodation costs

b) Additional accommodation necessarily incurred at the place of interruption and / or travel

expenses (excluding telephone costs, meals and beverages) necessarily incurred by the Insured

Person to return by the most direct and economical route possible to his Place of Destination ,

where Insured Person had started the Trip.

3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or

departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in

the respective Place of Origin.

Coverage:

The Company will reimburse the Covered Expenses following shortening and / or alteration of the Trip, due

to: -

1. Illness and / or Injury requiring Hospitalisation or death of Insured Person or Insured Person’s

Traveling Companion or Insured Person’s Family, Insured Person’s Traveling Companion's Spouse

and/or Parent and/or Child (ren) during the Trip.

2. Occurrence of Catastrophe.

3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority which the

Insured Person could not reasonably avoid or plan ahead in time.

In the event of same claim being admissible under both 3.12. Add on - Trip Interruption and 5.1. Add on -

Accommodation Cancellation, the amount that is payable under this Coverage 3.12. Add on - Trip

Interruption shall not be admissible under 5.1. Add on - Accommodation Cancellation

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover:

1. Any facts or matters which led to delay or which were publicly announced in advance, which the

Insured Person was aware or should have been aware.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim Form duly filled and signed by Insured Person.

2. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

3. Copy of cancelled cheque/NEFT form.

4. Details of Circumstances leading to trip interruption along with supporting documents.

5. Details / supporting documents of amount refunded by Common Carrier and Accommodation.

6. Bills and receipts of additional expenses towards accommodation and Travel during the interruption

period.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 16 of 53

UIN No. <<>>

1. Hijacked: means the unlawful seizure or wrongful exercise of control of the Common Carrier, or the

crew thereof, in which the Insured Person is travelling as a fare paying passenger.

Coverage:

If the Common Carrier in which the Insured Person is travelling has been Hijacked during the course of an

Insured Journey whilst on a Trip, then the Company will pay a distress allowance per Day up to the

maximum number of days as specified in the Policy Schedule/Certificate of Insurance.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this coverage shall not cover: -

1. The Insured Person and/or his Immediate Family Member being suspected to be an accomplice or an

accessory in such Hijack.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim Form duly filled and signed by Insured Person.

2.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

3. Copy of cancelled cheque/NEFT form.

4. Full statement of the events in writing.

5. Airline correspondence (copy of Passenger List etc.), with details of Hijack incident

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 18 of 53

UIN No. <<>>

3.14 Add on - Convenient Travel Option

Definitions specific to this coverage:

1. Covered Expenses: Amount incurred on tickets along with additional amount charged by Common

Carrier for addition or modification in the ticket by the Common Carrier for accommodating the Insured

Person

Coverage:

The Company will reimburse Covered Expenses, if an Insured Person sustains an Injury solely and directly

caused by external, violent, visible and evident means because of an Accident or Illness whilst on Trip

and that Injury and/or Illness requires the Insured Person to return to his Place of Destination, with

addition or modification necessitated in the Common Carrier provided that:

The Company will reimburse Convenient Travel Option subject to:

a. Valid Claim under Coverage 1.1.a. Base Cover -Medical Expenses - Accident and Illness / or 1.1.b.

Base Cover - Medical Expenses - Accident Only and / or 2.2. Extension - Permanent Total

Disabilityand / or 2.3. Extension - Permanent Partial Disability as specified in the Policy Schedule/

Certificate of Insurance.

b. The Medical Practitioner, treating the Insured Person certifies in writing about the Insured Person’s

Injury and/or Illness and specifies the requirements under which the Insured Person has to travel,

while returning to the Place of Destination

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim Form duly filled and signed by Insured Person.

2.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking, along with bills from

common carrier for any modification done to accommodate the insured

3. Copy of Ticket & Boarding Pass with revised itinerary and date of booking.

4. Copy of cancelled cheque/NEFT form.

5. Medical Practitioner’s Certification by way of writing.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 19 of 53

UIN No. <<>>

3.15. Add on -Missed Itinerary

Definitions specific to this coverage:

1. Strike: means any labor disagreement, which interferes with the normal departure of Scheduled

Airline and is defined as legal by relevant authorities in the respective Place of Origin.

Coverage:

The Company will pay a fixed amount for missing the planned itinerary on the first day of the Trip due to:

1. cancellation by Common Carrier or

2. delayed arrival of Common Carrier

in which the Insured Person is travelling to reach the Trip Destination.

The Company is liable to pay the Claim only if the Common Carrier by which the Insured Person travelled

got delayed or cancelled by more than the Time Deductible mentioned on Policy Schedule/Certificate of

Insurance

Exclusions specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Delay or cancellation which was made public or known to Insured Person, prior to the date, Insured

Person’s itinerary was booked.

2. Strikes or labor disputes which existed, or of which advance warning had been given prior to the date

on which itinerary was booked.

3. Delay or cancellation due to withdrawal from service temporarily or permanently of any Common

Carrier on the orders or recommendations of any Port Authority or the Aviation Agency or any similar

body in India.

4. Cancellation of Trip by Insured Person.

5. Any itinerary which is not planned and declared in advance by the travel organizing company.

6. Any Itinerary which is self-planned or planed by Family and is not organized by travel organizing

company.

7. Any delay arising out of Insured Person breaking law/norms or Insured Person detained by

government/airport or any such authority.

8. Any delay due to confiscating of Insured Person’s Checked in Baggage by government/airport or any

such authority

Claims documentation specific to this Coverage:

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 20 of 53

UIN No. <<>>

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Document

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4 Confirmation from airlines on flight got delayed or cancellation

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 21 of 53

UIN No. <<>>

4. BAGGAGE CONTINGENCIES

4.1. Add on - Delay of Checked-in Baggage

Definitions specific to this coverage:

Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common

Carrier for Transportation for which a baggage receipt is issued to Insured Person. This also includes

the contents of the baggage checked in by Insured Person as long as such contents do not violate any

specific policy or rule restricting the nature of items that may be carried on board in Common Carrier.

Coverage:

The Company will pay a fixed amount if Insured Person’s Checked-in Baggage is delayed or misdirected by

Common Carrier for more than the number of consecutive hours as mentioned in the Policy

schedule/Certificate of Insurance from the time Insured Person arrives at the destination stated on his

ticket during Insured Journey whilst on Trip.

Insured Person must be a ticketed passenger on the Common Carrier. Any such delay or misdirection of

Checked-in-Baggage must be certified by the Common Carrier for admissibility of Claim.

Exclusions Specific to this coverage

1. This shall exclude all the items that are carried / transported under a contract of affreightment.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

4. Property Irregularity Report (obtained from Airline) mentioning hours for which the baggage got delayed.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 22 of 53

UIN No. <<>>

4.2. Add on - Loss of Checked-in Baggage

Definitions specific to this coverage:

1. Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common

Carrier for Transportation for which a baggage receipt is issued to Insured Person. This also includes

the contents of the baggage checked in by Insured Person as long as such contents do not violate any

specific policy or rule restricting the nature of items that may be carrier on board in Common Carrier.

2. Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s

Immediate Family Member of the possession of the Contents by any person by violent or forceful

means or otherwise.

3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

Coverage:

The Company will reimburse the non refundable cost of an entire piece of Checked-In Baggage and its

contents, held in the care, custody and control of the Common Carrier, due to Theft or misdirection by the

Common Carrier or due to non- delivery at its destination during Insured Journey whilst on Trip. Insured

Person must be a ticketed passenger on the Common Carrier.

The maximum amount to be reimbursed per bag and the maximum value per article contained in any bag

of the amount will be as stated in the Policy Schedule / Certificate of Insurance. A combined maximum

limit of 10% is applicable on jewelry, watches, articles consisting in whole or in part of silver, gold or

platinum, furs, articles trimmed with or made mostly of fur.

Any such Loss of Checked-in-Baggage must be certified by the Common Carrier for admissibility of Claim.

Benefits for Checked-in Baggage and Personal Effects will be in excess of any amount paid or payable by

the Common Carrier responsible for the loss or any other valid and collectible insurance.

In the event of same claim being admissible under both Coverages 4.1. Add on - Delay of Checked-In

Baggage and 4.2. Add on - Loss of Checked-In Baggage, the amount that has already been admitted /

payable under this Coverage 4.1. Add on - Delay of Checked-In Baggage shall be deducted from the

amount admissible / payable under 4.2. Add on - Loss of Checked-In Baggage.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Loss to or destruction of the baggage arising from detention, confiscation or distribution by

customs, police or other Public Authorities.

2. Damage to the Baggage or partial loss of its contents.

3. Animals, motor vehicles (including accessories), motorcycles, boats, motors, any conveyance,

(except bicycles while checked as baggage with Common Carrier), snow skis, household effects,

antiques, electronic equipment such as computers (including software and accessories), personal

data assistants or handheld computers, cellular phones, digital video disc player, compact disc

player, video camcorder, eyeglasses or sunglasses, contact or corneal lenses, artificial teeth, bridges

or prosthetic limbs, hearing aids, valuables, money, securities such as credit cards, debit cards,

cheques, traveler cheques, membership cards, tickets or documents, business good or samples,

data recorded on tapes, cards, discs or otherwise, musical instruments, perishables and

consumables.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 24 of 53

UIN No. <<>>

4. Loss to property insured under any other insurance Policy.

5. Loss of Insured Person’s baggage sent in advance or souvenirs and articles mailed or shipped

separately.

6. This shall exclude all the items that are carried / transported under a contract of affreightment.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Property Irregularity Report (obtained from Airline).

5. Copies of Correspondence with the Airline authorities/Others confirming the loss and details of

compensation.

6. Individual list of items in each baggage with approximate cost of each item.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 25 of 53

UIN No. <<>>

4.3. Add on - Loss of Baggage and Personal Effects

Definition specific to this Coverage

1. Contents: means the following not used for Business or Business Purposes, so long as they are owned

by Insured Person and/or his Family and are legally responsible for them:

a) Household goods, such as furniture, fixtures, fittings, Home appliances, interior decorations and

items of like nature excluding portable Electronic Equipment.

2. Personal effects includes

 clothes and other articles of personal nature likely to be worn, used or carried

 Passport, Aadhar Card, Driving License, Pan Card etc.

but excluding deeds, bonds, bill of exchange, promissory notes, cheques, money, jewellery

and valuables, document of any kind and cash.

3. Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s

Immediate Family Member of the possession of the Contents by any person by violent or forceful

means or otherwise.

Coverage

The Company will reimburse for the cost of replacement of the baggage and its Contents and/or Personal

Effects for the loss of an entire piece of the baggage and/or Personal Effects due to circumstances beyond

Insured Person’s control at the planned destination during the Trip. The baggage and its contents and/or

Personal Effects must be owned by and accompanied by the Insured Person during Trip.

Conditions Specific to this Coverage:

1. The maximum amount to be reimbursed per bag and the maximum value per article contained in

any bag will be as stated in the Policy Schedule / Certificate of Insurance.

2. The Company may make payment or at its option reinstate or repair as it may elect in respect of

articles not older than one year.

3. The Company may make payment or at its option reinstate or repair subject to due allowance of

wear and tear and depreciation as mentioned in the Policy Schedule/Certificate of Insurance in

respect of articles more than one year old;

4. Loss or damage must occur (i) while the baggage or Personal Effect is/are in the care, custody and

control of an Accommodation or a Common Carrier and proof of such loss must be obtained in

writing from the Accommodation management or the Common Carrier management and such

proof must be provided to the Company, or (ii) as the result of Theft of the baggage or personal

effects from the Insured Person provided that such loss must be reported to the police having

jurisdiction at the place of the loss no more than twenty-four (24) hours from the incident. Any

Claim must be accompanied by written documentation from such police;

5. Insured Person must take every possible step to ensure that the baggage or personal effects are

not left unattended.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Household effects, antiques, electronic equipment such as computers

(including software and

accessories), personal data assistants or handheld computers, cellular phones, digital video disc player,

compact disc player, video camcorder, camera, eyeglasses or sunglasses, contact or corneal lenses,

artificial teeth, bridges or prosthetic limbs, hearing aids, valuables, money, securities such as credit

cards, debit cards, cheques, traveler cheques, membership cards, tickets or documents, business good

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 26 of 53

UIN No. <<>>

or samples, data recorded on tapes, cards, discs or otherwise, musical instruments, perishables and

consumables.

2. Loss to property which is insured under any other insurance Policy.

3. Loss arising due to the baggage being left unattended or forgotten by the Insured Person in a public

Place.

4. Damage to the baggage or its contents including pilferage from the baggage or not amounting to

permanent and total loss.

5. Any payment under this Benefit will be in excess of any amount paid or payable by the

Accommodation, Common Carrier or any such agent/organization responsible for the loss or any other

valid and collectible insurance

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Property Irregularity Report (obtained from Airline).

5.Copies of Correspondence with the Airline/Accommodation authorities/Others confirming the loss and

details of compensation.

6. Proof of loss in writing from Common Carrier management or Accommodation management.

7. Copy of FIR and Final Police Report in case of theft stating the loss of items.

8. Itemized list of lost items along with the Invoices and receipts of the lost items.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 27 of 53

UIN No. <<>>

5. ACCOMMODATION CONTINGENCIES

5.1. Add on - Accommodation Cancellation

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which

causes widespread loss, damage, or disruption at locations which are forming part of the trip.

2. Covered Expenses means non-refundable charges for meals and lodging which were necessarily

incurred by the Insured Person.

3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

4. Strike: means any labor disagreement, which interferes with the normal departure and arrival or

departure of Scheduled Airlines/Scheduled Railways and is defined as legal by relevant authorities in

the respective Place of Origin.

Coverage:

The Company will reimburse Covered Expenses as mentioned in Policy Schedule / Certificate of Insurance

in the event of cancellation of Insured Person’s Trip before the scheduled departure due to: -

1. Illness and / or Injury requiring Hospitalisation or death of Insured Person, Insured Person’s

Traveling Companion, Insured Person’s Spouse and/or Parent and/or Child(ren), Insured Person’s

Traveling Companion's Spouse and/or Parent and/or Child (ren).

2. Occurrence of Catastrophe

3. Mass bandhs or widespread Strikes acknowledged / published by Public Authority which the

Insured Person could not reasonably avoid or plan ahead in time.

4. Cancellation caused by Government regulations or control

5. Cancellation by Common Carrier which was scheduled for departure for such Trip.

In the event of same claim being admissible under both 3.12. Add on - Trip Interruption and 5.1. Add on -

Accommodation Cancellation, the amount that is payable under this Coverage

5.1. Add on

Accommodation Cancellation shall not be admissible under 3.12. Add on - Trip Interruption

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Any of the covered causes for Trip Cancellation, which were known to Insured Person prior to the

booking date of Insured Person’s Trip or Policy issue date whichever is later.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Medical records / Death certificate of insured, companion or Immediate Family Member.

5. Details / supporting documents of amount refunded by Accommodation and food bills.

6. Copy of Ticket and copies of Correspondence with the Airline related to trip cancellation.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 28 of 53

UIN No. <<>>

1. Covered Expenses: means the difference of cost for an alternate accommodation incurred by the

Insured Person for lodging in a similar room type and accommodation at the same location coinciding

with the same time period for which the Original booking was done. Such Covered expenses shall also

cover reasonable and necessary Transportation expense incurred to reach alternate accommodation

from the Original accommodation booked.

Coverage:

The Company will reimburse Covered Expenses as mentioned in Policy Schedule / Certificate of Insurance

if the Insured Person is denied a check-in in the accommodation, during Trip, in which the Insured Person

had done a confirmed reservation prior to the check-in date, provided that: -

1. The Insured Person should have reached the accommodation for check-in within the stipulated hours

as per the rules and regulations of the place of accommodation.

2. The Insured Person should be carrying all requisite documents required to be produced at the time of

check-in

3. The Insured Person should have provided sufficient financial guarantee / advance required at the time

of booking / check-in.

4. Insured Person should not pose any health, safety or security risk for the accommodation.

5. Not more than one Claim will be accepted under this Coverage.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this coverage shall not cover any Claim arising out

of the following under this Coverage: -

Any booking for which Insured Person is unable to furnish proof of booking/payment, and bounced

booking.

2. Any contractual breach by Insured Person including but not limited to non-adherence to the terms

and conditions of the booking service provider.

3. If Insured Person had any waitlisted booking irrespective of whether such bookings have been

promised to be confirmed later.

4. Where the alternative arrangements for accommodation is provided by accommodation provider

within reasonable time period of commencement of stay covered by the earlier confirmed

accommodation booking.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly filled and signed by the Insured Person.

2.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

3. Copy of cancelled cheque/NEFT form.

4. Correspondence with Accommodation service provider or hotel booking agency for confirmed advance

booking and the reason for bounced booking of the Accommodation.

Details

supporting

documents of amount refunded by Accommodation.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 30 of 53

UIN No. <<>>

5.3 Add on- Emergency Accommodation Extension

Definitions specific to this coverage:

1. Covered Expenses means additional lodging charges

(excluding telephone costs, meals and

beverages) for a maximum of 3 consecutive days necessarily incurred by Insured Person, in the

place of his Hospitalization.

Coverage:

The Company will reimburse the Covered Expenses, in the event of extension of Insured Person’s Trip

beyond the Policy / Certificate End date due to the Insured Person’s Hospitalization, whilst on Trip, for

more than 2 consecutive days during the Policy / Certificate Period.

The coverage will trigger only if the Insured person’s extended stay in the Accommodation was not part of

the planned stay or covered under the original hotel booking;

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this coverage shall not cover: -

1. Any extension opted in furtherance of business or personal reasons.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. The Company may call for additional documents/ information

as relevant. This should be read in conjunction with Policy Wordings - Section 5, Claim procedure and

Documents

1. Claim form duly filled and signed by the Insured Person.

2. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking of Insured Person.

3. Copy of cancelled cheque/NEFT form.

4. Medical practitioner confirmation of the medical condition.

5. Payment receipt of current stay and extension of hotel booking with the documentation.

6. Copy of Medical records/discharge summary of Hospitalisation

/treating doctor's report and

Prescription.

7. Copy of diagnostic reports/Pathological/Radiological reports, if any

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 31 of 53

UIN No. <<>>

6. OTHER CONTINGENCIES

6.1. Add on - Adventure Sports Cover

Definitions specific to this Cover

1. Adventure Sports means Recreational activities perceived as involving a high degree of risk. These

activities involve either or speed, height, a high level of physical exertion, and highly specialized gear.

Coverage

If the Insured Person participates in Adventure Sports performed under expert supervision of trained

professionals whilst on a Trip, the Company will pay / reimburse for a Claim arising out of an Injury during

participation in such Adventure Sports under the following coverages whichever have been opted under

this Policy Schedule /Certificate of Insurance as per the applicable : -

1.1.a Base Cover - Medical Expenses - Accident and illness

1.1.b

Base Cover - Medical Expenses - Accident only

1.3.

Extension - Emergency Medical Evacuation

1.4.

Extension - Repatriation of Mortal Remains

1.5

Extension -Post - Hospitalization

2.1.a.

Base Cover-Accidental Death (24 Hours)

2.1.b. Base Cover-Accidental Death (Common Carrier Only)

2.2.

Extension - Permanent Total Disability

Admissibility and assessment of Claim arising out of Adventure Sports shall be as per the terms, conditions

and limits as applicable to the above-named coverages

Coverage is exclusively for non- professional activities, wherein the Insured Person engages in Adventure

Sports only for leisure.

If this Coverage is opted, then Section 4.A.2: Exclusion stands modified to the extent above

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1.Documentation as in

1.1. Medical Expenses,

1.3 Extension

- Emergency Medical Evacuation, 1.4

Extension - Repatriation of Mortal Remains, 1.5 Extension- Post-Hospitalisation,

2.1 Accidental Death

and 2.3 Extension - Permanent Total Disability

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 32 of 53

UIN No. <<>>

6.2. Add on - Personal Liability

Definitions specific to this coverage:

1. Third Party: means any individual other than Insured Person or his immediate Family Members or his

Travelling Companion or members of the Family which the Insured Person may be visiting on the

Trip.

Coverage:

Property Damage

The Company will reimburse up to The Company’s limit of liability for the Property Damages for which

Insured Person is legally liable whilst on an Trip. If a Claim is made and a suit is brought by a Third Party

against Insured Person for Property Damage caused by an occurrence to which this coverage applies.

Medical Payment to Others

The Company will reimburse Medical Expenses that are incurred or medically ascertained within one (1)

year from the date of an Accident causing bodily Injury to a Third Party whilst on Trip for which Insured

Person is legally liable. This coverage applies only if the Bodily Injury is caused by Insured Person’s

activities.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Liability which arises out of an intentional act of the Insured Person and the Insured Person had prior

knowledge of the consequences that may arise because of such act.

2. Any liability Claim which is intimated or brought post twelve (12) months from the date of occurrence

of an event leading to a liability Claim.

3. Liability arising out of or in connection with a Business engaged in by Insured Person. This exclusion

applies but is not limited to an act or omission, regardless of its nature or circumstance, involving a

service or duty rendered, promised, owed, or implied to be provided because of the nature of the

Business.

4. Liability arising out of the rental or holding for rental of any part of any premises by Insured Person.

5. Liability arising out of the Insured Person’s Place of Residence.

6. Liability arising out of the rendering of or failure to render professional services.

7. Liability arising out of a premise, watercraft or aircraft that is owned by, rented to or rented by

Insured Person.

8. Liability arising out of the ownership, maintenance, use, loading or unloading of motor vehicles, all

other motorized land conveyances, watercraft or aircraft.

9. Liability arising out of the transmission of a communicable Disease by Insured Person.

10. Liability arising out of sexual molestation, corporal punishment, or physical or mental abuse.

11. Liability arising out of the use, sale, manufacture, delivery, transfer or possession by any person of a

controlled substance or contraband as defined by the appropriate authority or the Federal Food and

Drug Agency or equivalent or similar organization.

12. Liability under any contract or agreement.

13. Property damage to property owned by Insured Person.

14. Property damage to property rented to, occupied, or used by or in the care of Insured Person.

15. Bodily Injury to any person eligible to receive any benefits voluntarily provided or required to be

provided by Insured Person under any worker’s compensation law, non-occupational disability law or

occupational Diseases law, or similar law.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 33 of 53

UIN No. <<>>

16. Suits or legal actions arising from Insured Person’s Immediate Family Member or Traveling

Companion or Immediate Family Member of a Traveling Companion against Insured Person.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Full statement of the facts in writing along with Witness statements.

5. Any other documents relevant to the incident, including Summons, Legal Notice etc.

6. Any other information and/or document relevant to the incident/Claim.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 34 of 53

UIN No. <<>>

6.3. Add on - Electronic Equipment Cover

Definition specific to this Coverage

1.Contents: means the following not used for Business or Business Purposes, so long as they are owned

by Insured Person and/or his Family and are legally responsible for them:

a) Household goods, such as furniture, fixtures, fittings, Home appliances, interior decorations and

items of like nature excluding portable Electronic Equipment.

b) Personal effects such as clothes and other articles of personal nature likely to be worn, used or

carried but excluding deeds, bonds, bill of exchange, promissory notes, cheques, money, jewellery

and valuables, document of any kind and cash.

2.Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s

Immediate Family Member of the possession of the Contents by any person by violent or forceful

means or otherwise.

3.Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured

Person’s Place of Residence with an intent of committing a Theft.

4.Electronic Equipment: shall mean any Laptop, Tablet, Mobile Phone or SLR / DSLR carried by the

Insured Person for personal and official use. However, accessories like Headphones, Charger, Mouse,

Stylus etc. shall be excluded from this definition

5. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

Coverage

The Company will reimburse for loss incurred by the Insured Person arising out of Theft or accidental

damage of the portable Electronic equipment, whilst on Trip during the Policy / Cover period, provided

that the liability of The Company shall in no case exceed the sub-limit of each item subject to the aggregate

liability under this cover as specified in the Policy Schedule / Certificate of Insurance.

The Sublimit for each item will be 25% of the aggregate liability of this coverage.

Loss incurred will be payable in the following manner: -

a) In the event of a total loss of an item The Company shall be liable to pay lower of, the Replacement

cost of the item (or, if not readily available, then an item of equivalent but not better quality) or the

purchase value, less depreciation applicable as per the table give below.

Age of the Equipment

Depreciation %

0 - 6 months

30%

6 - 12 months

45%

12 - 18 months

60%

18 > months

75%

b) In the event of partial loss of an item on account of any damage, The Company shall be liable to pay the

Cost of repair or refurbishment. However, the liability of The Company under partial loss shall not

exceed the amount it would have paid in case such an item was a total loss.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 35 of 53

UIN No. <<>>

1. Expenses for any loss or destruction, which will be paid or refunded by the Common Carrier, hotel,

agent or any other provider of travel and/or accommodation.

2. Expenses for any loss of stored data or re-creation of such stored data.

3. Expenses for any loss, damage of Portable Electronic Equipment caused due to the Insured Person’s

fault (willful negligence on behalf of the user).

4. Expenses for any actual or alleged loss or destruction arising from detention, confiscation or

distribution by customs, police or other Public Authorities.

5. General wear and tear

6. Consequential Loss or legal liability of any kind.

7. Manufacturing defects and or Pre-Existing defects

8. Functional Failure which is covered under extended warranty.

9. Climatic Conditions and maintenance Cost

10. Any functioning or malfunctioning of the internet or similar facility, or of any intranet or private

network or similar facility,

11. Any corruption, destruction, distortion, erasure or other loss or damage to data, software, or any kind

of programming or instruction set.

12. Loss of use or functionality whether partial or entire of data, coding, program, software, any computer

or computer system or other device dependent upon any microchip or embedded logic, and any

ensuing liability or failure of the Insured Person to conduct business. This shall not exclude subsequent

damage not otherwise excluded which itself results from an insured peril

13. Loss or damage due to misplacement, misuse, reckless, abusive, willful or intentional conduct

associated with handling and use of the covered item.

14. Any cosmetic loss or damage including but not limited to scratches and dents that do not otherwise

affect the functionality of the covered item.

15. Loss or damage arising out of the misuse of or use other than in accordance with manufacturer’s

recommendation of, or use of any accessory which has not been approved by the manufacturer with

the insured appliances

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Copy of FIR/Final Police Report for loss of items.

5. Itemized list of lost items along with Invoices or bills/receipts of items lost.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 36 of 53

UIN No. <<>>

6.4. Add on - Home Content Burglary

Definition specific to this Coverage

1. Contents: means the following not used for Business or Business Purposes, so long as they are owned

by Insured Person and/or his Family and are legally responsible for them:

a. Household goods, such as furniture, fixtures, fittings, Home appliances, interior decorations and

items of like nature excluding portable Electronic Equipment.

b. Personal effects such as clothes and other articles of personal nature likely to be worn, used or

carried but excluding deeds, bonds, bill of exchange, promissory notes, cheques, money, jewellery

and valuables, document of any kind and cash.

2. Theft: means an act of illegally permanently depriving Insured Person and /or Insured Person’s

Immediate Family Member of the possession of the Contents by any person by violent or forceful

means or otherwise.

3.Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured

Person’s Place of Residence with an intent of committing a Theft.

4. Domestic Staff: means any person employed by Insured Person solely to carry out domestic duties

associated with Insured Person’s Place of Residence but does not include any person employed in any

capacity in connection with any Business, trade or profession.

5. Electronic Equipment: shall mean any Laptop, Tablet, Mobile Phone or SLR / DSLR carried by the

Insured Person for personal and official use. However, accessories like Headphones, Charger, Mouse,

Stylus etc. shall be excluded from this definition.

6.Kutcha Construction: means buildings having walls and/or roofs of wooden planks, thatched leaves,

grass, bamboo, plastic, cloth, asphalt, canvas, tarpaulin or the like.

7.Robbery: means the unlawful taking of the Insured Person’s property, by a person or person(s), using

violence or the threat of violence and who has/have caused or threatened physical harm to the Insured

Person, the Insured Person’s Spouse and/or Children.

Coverage

The Company will reimburse the loss and/or damage caused to the Contents of the Insured Person’s Place

of Residence due to Burglary or attempted Burglary or Robbery while the Insured Person is on Trip.

Liability of The Company under this Coverage for any single item shall not exceed 20% of the Sum Insured.

Loss incurred will be payable in the following manner: -

In the event of a total loss of an item The Company shall be liable to pay lower of, the Replacement cost of

the item (or, if not readily available, then an item of equivalent but not better quality) or the purchase

value, less depreciation applicable as per the table give below.

Age of the Content

Depreciation %

0 - 1 Year

20%

1 - 2 Year

35%

2 - 3 Year

50%

3 - 4 Year

70%

> 4 Years

80%

In the event of partial loss of an item on account of any damage, The Company shall be liable to pay the

cost of repair or refurbishment. However, the liability of The Company under partial loss shall not exceed

the amount it would have paid in case such an item was a total loss.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 37 of 53

UIN No. <<>>

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. If Insured Person and/or his Family and/or Domestic Staff are in any way involved in concerned or with

the actual or attempted Burglary.

2. Kutcha Construction.

3. Loss or damage to livestock, motor vehicles, pedal cycles, money, securities for money, stamp, bullion,

deeds, bonds, bills of exchange, promissory notes, stock or share certificates, business books,

manuscripts, documents of any kind, unset precious stones, jewellery, valuables, ATM or credit cards

4. Consequential Loss or legal liability of any kind.

5. Loss, destruction, Theft, Burglary or damage to portable Electronic Equipment.

6. Loss or damage caused by use of key in Place of Residence or any duplicate thereof belonging to

Insured Person, unless such key has been obtained by assault or violence or any thereat thereof.

7. Loss, destruction or damage to any electrical machine, apparatus, fixture or fitting arising from or

occasioned by over running, excessive pressure, short circuiting, arcing self-heating or leakage of

electricity.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

4.Incident details.

5. Copy of FIR, Panchanama etc.

6. Copy of estimate loss acknowledged by Police.

7. Any other documentary evidences, like newspaper cutting etc. if any.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 38 of 53

UIN No. <<>>

6.5. Add on - Travel with Pet Cover

Definitions specific to this coverage:

1. Pet: means a household animal kept for companionship and a person’s enjoyment, as opposed to wild

animals or livestock, laboratory animals, working animals or sport animals and not for the purposes of

commerce or research.

Coverage:

a) The Company will reimburse the expenses of the medical treatment of the Insured Person’s Pet which

is travelling along with the Insured Person, if the Pet suffers any Injury due to an Accident whilst on a

Trip.

b) The Company will also reimburse the costs for kennel fees for Pets owned and travelling along with

the Insured Person in the event that Insured Person is Hospitalized as Inpatient and this results in a

delayed return for more than 24 consecutive hours at the end of the original pre-booked Trip,

maximum up to days as mentioned in the Policy Schedule / Certificate of Insurance

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Any Facts or matters, which might result in the curtailment of the Trip, which the Insured Person

was or should have been aware

Expenses for Costs for Transportation of mortal remains of the Insured Person’s Pet from the

Place of Death to the Place of Residence of the Insured Person.

3. Pet that has been not validly transported and accommodated in accordance with the rules of

Common Carrier, hotel or other provider of accommodation.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking

4. Treating Doctor’s report for Insured Person/Pet.

5. Copy of Medical records/discharge summary and Prescription if applicable for Insured Person/Pet.

6. Original Bills/Receipts /Kennel fees for pet.

7. Copy of diagnostic reports/Pathological/Radiological reports, if any for Insured Person/Pet.

8. Original invoice and receipt for accommodation expenses.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 39 of 53

UIN No. <<>>

6.6. Add on - Replacement and Rearrangement - Business Trip Only

Definition specific to this Coverage

1. Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured

Person’s Place of Residence with an intent of committing a Theft.

2. Travel Expenses for this Coverage shall mean, the cost incurred in -

 To and fro fare for the replacement of the Insured Person who will perform the duties which

were being undertaken by the Insured Person. Such to and fro fare will be from the Place of

Origin to the place where Insured Person was working.

Or,

 To and fro fare of the Insured Person from the place where Insured Person was working to his

Place of Destination

Coverage

The Company will reimburse Travel Expenses incurred whilst on a Trip as a result of: -

a) Disablement of Insured Person which totally prevents him from carrying out the Insured Person’s

occupational duties provided that such disablement has lasted (or is proven by medical evidence to

be likely to last) more than Seven (7) Days.

b) Death of Insured Person’s Immediate Family member.

c) Compulsory quarantine, jury service or witness call of an Insured Person or Travelling Companion.

d) Insured Person’s Place of Residence or Business being rendered uninhabitable 10 Days or less

prior to intended travel on a Trip as a result of Accidental damage

e) Insured Person’s presence being required by the police following Burglary or attempt there at the

Insured Person’s Place of Residence or Business.

Conditions: -

1. Liability under this Cover shall be admissible either for the replacement or for the Insured Person and

not both

2. To and fro journey should complete within six (6) months.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. Pregnancy and resulting childbirth, miscarriage or disease of the female organs of reproduction.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of original and new Ticket & Boarding Pass of Insured Person with original scheduled itinerary and

date of booking.

4. Copy of Ticket and Boarding pass for the replacement.

5. Employer confirmation with reason for the replacement of the Insured person.

6. Copy of Medical records/discharge summary in case of Hospitalisation /Treating Doctor’s report and

Prescription if applicable.

7. Copy of diagnostic reports/Pathological/Radiological reports, if any.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 40 of 53

UIN No. <<>>

8.Certificate from competent medical authority / Doctor like Civil Surgeon, confirming the Disability -

percentage of disability/ period and prognosis for Insured Person.

9. Copy of Death Certificate with a cause of death of Immediate Family Member.

10. Copy of Bills of Travel tickets for insured and replacement.

11. Original invoice and receipt for accommodation expenses for the replacement.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 41 of 53

UIN No. <<>>

6.7. Add on - Key Replacement

The Company will reimburse the Insured Person, up to Sum Insured as mentioned in the Policy Schedule /

Certificate of Insurance, for replacing the keys of Place of Residence and/or the keys of the vehicle, which

the Insured Person owns, which are lost or stolen whilst the Insured Person is on Trip, provided that such

keys are carried in person by the Insured Person whilst on Trip.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Copy of FIR/Police Report (Stating the loss of items),

5. Proof of loss in writing -for Loss of key.

6. Expenses towards the Replacement of lost Key of residence/vehicle.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 42 of 53

UIN No. <<>>

6.8 Add on - Terrorism Cover

Definitions specific to this coverage:

1. Act of Terrorism means an Act, including but not limited to the use of force or violence and/ or the

threat thereof, of any person or group(s) of Persons whether acting alone or on behalf of or in

connection with any organization(s) or government(s), committed for political, religious, ideological or

similar purpose including the intension to influence any government and/or to put the public, or any

section of the public in fear.

Coverage:

In lieu of payment of additional premium clause no: Section 4- Exclusion 4.A.3 under Policy Wordings

stands deleted

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 43 of 53

UIN No. <<>>

6.9. Compassionate Visit

6.9.a. Add on - Compassionate Visit Travel

The Company will reimburse actual cost of a round trip economy airfare ticket on a scheduled airline for an

Immediate Family Member of the Insured Person to travel to the place of Hospitalisation where Insured

Person is under Emergency Care due to Illness/ Injury whilst on a Trip.

Provided that

a) The treating Medical Practitioner advises that the attendance of an Immediate Family Member is

necessary.

b) Insured Person is alone at the place of Hospitalisation and such Hospitalisation is for at least three

(3) continuous days.

c) Such Immediate Family Member’s departure from the Place of Origin should be within the

Hospitalisation period.

d) Such Immediate Family Member’s return journey to Place of Destination does not commence later

than the actual return date or Cover Period End Date of the Insured Person.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4.Copy of Medical records / Discharge summary.

5.Copy of diagnostic reports/Pathological/Radiological reports, if any..

6.Copy of new Ticket & Boarding Pass of Immediate Family Member

7.Copy of original scheduled itinerary for the Insured Person.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 44 of 53

UIN No. <<>>

6.9.b. Add on - Compassionate Visit Stay

Definitions specific to this coverage:

1. Covered Expenses means any charges for meals and lodging which were necessarily incurred for

Immediate Family Member at the place of Hospitalization.

Coverage:

The Company will reimburse Covered Expenses for an Immediate Family Member at the place of Insured

Person’s Hospitalisation who is under Emergency Care due to Illness/ Injury, whilst on a Trip.

Provided that

a) The treating Medical Practitioner advises that the attendance of an Immediate Family Member is

necessary.

b) Insured Person is alone at the place of Hospitalisation and such Hospitalisation is for at least three

(3) continuous days.

c) Immediate Family Member is available till discharge of the Insured Person.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of cancelled cheque/NEFT form.

3.Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4.Copy of Medical records /discharge summary in case of Hospitalisation / Treating Doctor’s report and

prescription if applicable.

5.Copy of diagnostic reports/Pathological/Radiological reports of the Insured Person.

6. Bills and receipts for accommodation and meals of Immediate Family Member during the

compassionate visit.

7.Copy of new Ticket & Boarding Pass for Immediate Family Member.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 45 of 53

UIN No. <<>>

6.10

Add on - Pandemic Cover

Coverage

The Company will pay a fixed amount in the event the Insured Person, whilst on a Trip, is diagnosed with

the same Illness which has been declared as a pandemic as at a Phase 4 or higher level by the World Health

Organization.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person

2. Copy of cancelled cheque/NEFT form

3. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

4. Proof that this illness has been declared as a pandemic as at a Phase 4 or higher level by the World

Health Organization.

5.Copy of Medical records/discharge summary in case of Hospitalisation/ Treating Doctor’s report and

Prescription if applicable

6..Copy of diagnostic reports/Pathological/Radiological reports of the Insured Person.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 46 of 53

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6.11

Add on -Major Travel Event Cover

Definitions specific to this coverage:

Major Travel Event means:

 which has been declared as a pandemic as at a Phase 4 or higher level by the World Health

Organization by appropriate Authority in the place of visit.

 Any event leading to Quarantine of the Insured Person

 for which a warning against non-essential travel is issued by the Indian government.

 major industrial accident in the place of visit.

 any event leading to airspace or multiple airport closures directly impacting the Trip.

2. Quarantine means isolation of an individual either due to Diagnosis or suspected infection of

Pandemic, by appropriate Authority in the place of visit. For the purposes of this Policy, such

Quarantine should be done in a Government Authorized Quarantine Centre on advice of a medical

practitioner or Central or the State Government Authorities. Self-isolation and home-quarantine falls

out of purview of this definition.

Coverage:

Coverage as detailed in 3.3 Add on - Trip Cancellation, 3.4 Add on - Trip Cancellation - Due to Event

Cancellation and 3.12 Add on - Trip Interruption are extended to cover for Claim as admissible under the

respective Add-ons , arising out of a Major Travel Event

The above Coverage is subject to the Trip being booked prior to the occurrence of Major Travel Event.

Exclusion

In addition to the General Exclusions listed in this Policy, this coverage shall not cover: -

1. Self Isolation and Home Quarantine

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Documentation as in 3.3 Add on - Trip Cancellation, 3.4 Add on - Trip Cancellation - Due to Event

Cancellation, 3.12 Add on - Trip Interruption.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 47 of 53

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6.12 Add On- Quarantine Cover

Definitions specific to this coverage:

1. Quarantine means isolation at the place of visit of an individual due to diagnosis of the disease within

the period of the trip provided such disease has been declared as Pandemic. For the purpose of this

Policy, such Quarantine, on advice of a medical practitioner or Central or the State Government

Authorities, should be done either at the place of accommodation which the Insured Person had

booked before the commencement of trip or any accommodation specifically declared as a

Quarantine facility or in a Government Authorized Quarantine Centre.

2. Pandemic means an out-break of disease which has been declared at a Phase 4 or higher level by the

World Health Organization.

Coverage:

The Company will pay a fixed amount in the event the Insured Person is quarantined for at least 7

consecutive days whilst the Insured Person is on Trip.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this coverage shall not cover: -

1. The Insured Person should not have travelled against the travel advisory, whether in-force or freshly

issued by Government of India at any time during the Policy Period.

2. Cluster Containment operations carried out by State or Central Government or self-isolation to contain

the spread of Pandemic.

3. Testing done at a Diagnostic center other than the ones authorized by the Union Health Ministry of

India shall not be recognized under this Policy.

4. Home Quarantine or Quarantine at any relative or friends place.

5. Any other kind of Quarantine which is outside the scope of definition of Quarantine.

6. In case the Insured Person had stayed with a person who is either Diagnosed or is suspected positive

with the infection of the Pandemic, provided the gap between such co-habitation and the Trip start

date is lesser than the prescribed isolation period for such Pandemic.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. The Company may call for additional documents/ information

as relevant. This should be read in conjunction with Policy Wordings - Section 5, Claim procedure and

Documents

1. Claim form duly filled and signed by the Insured Person.

2. Copy of Ticket with original scheduled itinerary and date of booking of Insured Person

3. Copy of cancelled cheque/NEFT form.

4. Notice or equivalent proof of Quarantine

5. Identity proof of the patient

6. Bills of the Hotel and a written proof of Quarantine by the Hotel.

7. Medical Bills and Reports in case the treatment was taken along with the report on positive Diagnosis of

the infection.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 48 of 53

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6.13 Add On-Catastrophe Evacuation

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which

causes widespread loss, damage, or disruption at locations which are forming part of the trip.

2. Covered Expenses: means expenses, which are incurred for Transportation of Insured Person’s

Emergency Evacuation. All Transportation arrangements made for evacuating the Insured Person

must be by the most direct and economical route possible.

Coverage:

The Company will reimburse Covered Expenses for returning to Place of Destination from the Trip on

account of an Emergency Evacuation arising out of Catastrophe necessitating immediate Evacuation in

order to avoid risk of personal Injury or Illness.

An Emergency Evacuation must be arranged and authorized in advance by the Assistance Company.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. The Company may call for additional documents/ information

as relevant. This should be read in conjunction with Policy Wordings - Section 5, Claim procedure and

Documents

1. Claim form duly filled and signed by the Insured Person.

2. Copy of Ticket with original scheduled itinerary and date of booking of Insured Person

3. Copy of cancelled cheque/NEFT form.

4. Copy of Notification is issued by the Government of the City where Insured Person is visiting, that people

which include the Insured Person, should leave the City.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 49 of 53

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6.14 Add on -Loss of Cash

Definitions specific to this coverage:

1. Checked-In Baggage means the baggage entrusted by Insured Person and accepted by Common

Carrier for Transportation for which a baggage receipt is issued to Insured Person.

2. Theft means an act of illegally permanently depriving Insured Person and /or Insured Person’s

Immediate Family Member of the possession of the contents by any person by violent or forceful

means or otherwise.

3. Burglary means an act involving the unauthorized and forcible entry to or exit from the Insured

Person’s Place of Residence with an intent of committing a Theft.

4. Electronic Equipment: shall mean any Laptop, Tablet, Mobile Phone or SLR / DSLR carried by the

Insured Person for personal and official use. However, accessories like Headphones, Charger, Mouse,

Stylus etc. shall be excluded from this definition.

5. Robbery means the unlawful taking of the Insured Person’s property, by a person or person(s), using

violence or the threat of violence and who has/have caused or threatened physical harm to the Insured

Person, the Insured Person’s Spouse and/or Children.

Coverage:

The Company will indemnify the Insured Person for any loss of Cash arising out of Theft, Robbery or

dacoity in relation to Insured Person during Trip.

The Company shall not be liable for:

a) Any loss which will be paid or refunded by the Common Carrier, hotel, agent or any other provider

of travel and/or accommodation.

b) Any loss of Valuables, any kinds of securities or tickets.

c) Any loss of Cash contained in Checked-in Baggage.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. This shall exclude all the items that are carried / transported under a contract of affreightment.

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by Insured Person.

2. Copy of passport/Visa with Entry & exit stamp.

3. Copy of cancelled cheque/NEFT form.

4. Copy of Ticket & Boarding Pass with original scheduled itinerary and date of booking.

5. Copy of FIR/Police Report (Stating the loss of cash), subject to relevant authorities having jurisdiction at

the place of the loss within 48 hrs. after the incident.

6. Proof of loss in writing from Common Carrier or Accommodation authorities with compensation details.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 50 of 53

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7. Rental Vehicle Contingencies

The Company will pay or reimburse under Add on-7.1 - Rental Vehicle Cancellation and / or 7.2- Rental

Vehicle No show as per the Benefit / terms & conditions defined under the respective clauses provided

the :

Rental Agreement is in the name of the Insured Person.

ii.

The Insured Person holds a valid driving license for the period for which the vehicle has been

rented and which is effective at the time of insured journey.

7.1 Add on- Rental Vehicle Cancellation

Definitions specific to this coverage:

1. Catastrophe: means an unexpected natural event, such as an earthquake, tsunami or flood which

causes widespread loss, damage, or disruption in the Place of Origin.

2. Covered Expenses means the non-refundable booking charges incurred by the Insured Person for the

Rental Vehicle which is not recoverable from any other source.

3. Public Authority: means any governmental, quasi-governmental organization or any statutory body or

duly authorized organization with the power to enforce laws, and command, determine, or judge.

4. Rental Agreement means the contract of hire between the Insured Person and the Rental Company.

5. Rental Company means a company, or agency, fully licensed by the relevant local regulatory authority

to provide Rental Vehicles.

Rental Vehicle means any passenger vehicle, rented by the Insured Person under a Rental Agreement

from the Rental Company. Such Rental Vehicle should be for the Insured Person or Insured Person’s

Family’s usage for the purpose of Trip.

7. Strike: means any labor disagreement, which interferes with the normal departure of Scheduled

Airlines/Scheduled Railways and is defined as legal by relevant authorities in the respective Place of

Origin.

Coverage:

The Company will reimburse Covered Expenses in the event of cancellation of the Rental Vehicle booking

by the Insured Person, prior to commencement of the Trip due to: -

 Illness and / or Injury requiring Hospitalisation or death of Insured Person, Insured Person’s Traveling

Companion, Insured Person’s Spouse and/or Parent and/or Child (ren), Insured Person’s Traveling

Companion's Spouse and/or Parent and/or Child (ren).

 Occurrence of a Catastrophe.

 Mass bandhs or widespread Strikes acknowledged / published by Public Authority, which the Insured

Person could not reasonably avoid or plan ahead in time.

 Trip Cancellation caused by Government regulations or control.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy, this Coverage shall not cover: -

1. Cancellation due to any reason, which was known to Insured Person prior to the booking date of

Insured Person’s Trip or Policy issue date whichever is later.

Claims documentation specific to this Coverage:

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 51 of 53

UIN No. <<>>

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents.

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Rental Vehicle Booking Bills with original scheduled itinerary and date of booking.

4. Medical records / Death certificate of insured, companion or Immediate Family Member.

5. Details / supporting documents of amount refunded by Rental Company.

6. Any other documents evidences, like newspaper cutting etc. related to Mass bandhs or widespread

Strikes/Catastrophe acknowledged/published by Public Authority if any.

7. Copy of Rental Agreement

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 52 of 53

UIN No. <<>>

7.2 Add on- Rental Vehicle No Show

Definitions specific to this coverage:

1. Rental Agreement means the contract of hire between the Insured Person and the Rental Company.

2. Rental Company means a company, or agency, fully licensed by the relevant local regulatory authority

to provide Rental Vehicles.

Rental Vehicle means any passenger vehicle, rented by the Insured Person under a Rental Agreement

from the Rental Company. Such Rental Vehicle should be for the Insured Person or Insured Person’s

Family’s usage for the purpose of Trip.

Coverage

The Company will pay a fixed amount as mentioned in the Policy Schedule / Certificate of Insurance in the

event the Rented Vehicle is not delivered to the Insured Person by the time and place mentioned in the

Rental Agreement.

Compensation for such cancellation shall be payable after the application of Time Deductible on the

Scheduled Arrival time.

Exclusions Specific to this coverage:

In addition to the General Exclusions listed in this Policy this Coverage shall not cover: -

1. No show arising out of Insured Person not completing the paperwork/registration formalities required

by the Rental Company.

2. No show arising out of any due payment not made by Insured Person

Claims documentation specific to this Coverage:

Below is a general check-list of documents. This should be read in conjunction with Policy Wordings -

Section 5, Claim procedure and Documents

1. Claim form duly completed and signed by the Insured Person.

2. Copy of cancelled cheque/NEFT form.

3. Copy of Rental Vehicle Booking Bills with original scheduled itinerary and date of booking.

4. Copies of Correspondence with the Rental Company certifying with reason for No Show.

TATA AIG General Insurance Company Limited

Registered Office: Peninsula Business Park, Tower- A, 15th Floor, G.K. Marg, Lower Parel, Mumbai - 400013, Maharashtra, India

Toll Free No: 1800 266 7780 | Fax: 022 6693 8170 | E-mail: insurance-support@tripmoney.com | Website: www.tataaig.com

IRDA of India Registration No: 108 CIN: U85110MH2000PLC128425

Page 53 of 53

UIN No. <<>>