You are offline 
Terms and ConditionsPolicy Details-
Master Policy Number: 0239891923
Master Policy Holder Name: GOZING TECHNOLOGY PRIVATE LIMITED
Address: 6TH FLOOR, M3M URBANA PREMIUM, GOLF COURSE EXTENSION ROAD, BHONDSI, GURUGRAM, HARYANA, 122102
Master Policy Holder Name: GOZING TECHNOLOGY PRIVATE LIMITED
Address: 6TH FLOOR, M3M URBANA PREMIUM, GOLF COURSE EXTENSION ROAD, BHONDSI, GURUGRAM, HARYANA, 122102
Table of Benefits-
Age: Adult: 18 Years to 80 Years. Child: 6 Months to 18 Years.
Description of the Insured: Registered customer of the Master Policyholder purchasing bus tickets and traveling within the geographical boundaries of India.
Description of the Insured: Registered customer of the Master Policyholder purchasing bus tickets and traveling within the geographical boundaries of India.
| Benefits | Coverage upto | Deductible (if any) |
|---|---|---|
| 1. Loss of Baggage and Personal Effects | INR 15,000 | NA |
| 2. Accidental Death (Common Carrier Only) | INR 7,50,000 | NA |
| 3. Hospital Daily Cash-Accident only | INR 7,500 | (INR 750 per day for maximum upto 10 days) Deductibles 24 Hours |
| 4. Medical Expenses - Accident Only | INR 3,00,000 | NA |
| 5. Emergency Medical Evacuation | INR 10,000 | NA |
| 6. Outpatient Expenses-Accident only | INR 25,000 | NA |
| 7. Permanent Total Disability | INR 7,50,000 | NA |
| 8. Repatriation of Mortal Remains | INR 10,000 | NA |
Insurance coverage will be applicable only to the covers and up to the Sum Insured limits as specifically mentioned in the Certificate of Insurance.
Base Covers
Medical Expenses – Accident Only The company will cover medical expenses for hospitalizations resulting from injuries during a trip, requiring medically necessary treatment and hospitalization advised by medical practice.
Hospital Daily Cash – Accident only The company will cover the insured person's hospitalization for any injury sustained during a trip, up to the maximum number of days advised by a medical practitioner, as stated in the Policy Schedule or Certificate of Insurance.
Emergency Medical Evacuation - The company will reimburse Covered Expenses for an insured person's Emergency Medical Evacuation if an injury or illness occurs during a trip. The evacuation must be recommended by a medical practitioner, who certifies the severity or nature of the injury. Covered Expenses include transportation, medical treatment, services, and supplies. Claims under this cover are admissible, provided the injury or illness falls under Coverage 1.1.a. or 1.1.b. of the policy schedule or certificate of insurance.
Repatriation of Mortal Remains - The Assistance Company is offering an extension for medical expenses - accident and illness or accident only as opted for, covering the cost of bringing the insured person's remains to their place of residence if they die during a trip. The payment for cremation is limited to INR 5000 as a fixed benefit, including embalming, cremation, coffin, and transportation.
Outpatient Expenses - Accident Only The company will cover outpatient post-discharge (OPD) treatment on a cashless facility for injuries resulting from an accident during a trip, as prescribed by a medical practitioner. The coverage includes costs of medicines, pharmacy, drugs, supplies, and diagnostic tests. If the claim is admissible under both Coverage 1.6.b Extension-Outpatient Expenses - Accident Only and 1.5. Extension - Post-Hospitalisation Expenses, the amount payable under this Coverage will not be admissible under 1.5.
Accidental Death (Common Carrier Only) - The company will pay the insured sum in case of an accident resulting in the death of the insured person while on a trip. The injury must occur while the insured person was a passenger on or off a common carrier, and the loss must occur within 12 months of the accident. If the insured person's body cannot be found within a year after a forced landing, stranding, sinking, or wrecking of a common carrier, they will be considered to have suffered loss of life under the policy. Once a claim is accepted, coverage will cease immediately.
Permanent Total Disability - The company will pay a percentage of Sum Insured if an injury caused by an accident results in permanent total disability within twelve months of the accident. Liability under this extension is admissible only if the injury results in at least one of the losses shown in the Table of Losses-A and for any Functional Loss, the Functional Loss has continued for twelve consecutive months and is total, continuous, and permanent at the end of this period. The company will pay this percentage less any other amount paid/payable under Coverage 2.3. Extension - Permanent Partial Disability of this Policy if these Coverages are offered under the same Accident. Once a claim is accepted and 100% Sum Insured has been paid, the coverage will automatically cease for the Insured Person able of Losses-A. Functional Loss for the purposes of this Extension means injury due to accident leading to loss and the total and permanent inability to perform all usual and customary duties and activities of a person of like age and sex.
Loss of Baggage and Personal Effects - 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.
Hospital Daily Cash – Accident only The company will cover the insured person's hospitalization for any injury sustained during a trip, up to the maximum number of days advised by a medical practitioner, as stated in the Policy Schedule or Certificate of Insurance.
Emergency Medical Evacuation - The company will reimburse Covered Expenses for an insured person's Emergency Medical Evacuation if an injury or illness occurs during a trip. The evacuation must be recommended by a medical practitioner, who certifies the severity or nature of the injury. Covered Expenses include transportation, medical treatment, services, and supplies. Claims under this cover are admissible, provided the injury or illness falls under Coverage 1.1.a. or 1.1.b. of the policy schedule or certificate of insurance.
Repatriation of Mortal Remains - The Assistance Company is offering an extension for medical expenses - accident and illness or accident only as opted for, covering the cost of bringing the insured person's remains to their place of residence if they die during a trip. The payment for cremation is limited to INR 5000 as a fixed benefit, including embalming, cremation, coffin, and transportation.
Outpatient Expenses - Accident Only The company will cover outpatient post-discharge (OPD) treatment on a cashless facility for injuries resulting from an accident during a trip, as prescribed by a medical practitioner. The coverage includes costs of medicines, pharmacy, drugs, supplies, and diagnostic tests. If the claim is admissible under both Coverage 1.6.b Extension-Outpatient Expenses - Accident Only and 1.5. Extension - Post-Hospitalisation Expenses, the amount payable under this Coverage will not be admissible under 1.5.
Accidental Death (Common Carrier Only) - The company will pay the insured sum in case of an accident resulting in the death of the insured person while on a trip. The injury must occur while the insured person was a passenger on or off a common carrier, and the loss must occur within 12 months of the accident. If the insured person's body cannot be found within a year after a forced landing, stranding, sinking, or wrecking of a common carrier, they will be considered to have suffered loss of life under the policy. Once a claim is accepted, coverage will cease immediately.
Permanent Total Disability - The company will pay a percentage of Sum Insured if an injury caused by an accident results in permanent total disability within twelve months of the accident. Liability under this extension is admissible only if the injury results in at least one of the losses shown in the Table of Losses-A and for any Functional Loss, the Functional Loss has continued for twelve consecutive months and is total, continuous, and permanent at the end of this period. The company will pay this percentage less any other amount paid/payable under Coverage 2.3. Extension - Permanent Partial Disability of this Policy if these Coverages are offered under the same Accident. Once a claim is accepted and 100% Sum Insured has been paid, the coverage will automatically cease for the Insured Person able of Losses-A. Functional Loss for the purposes of this Extension means injury due to accident leading to loss and the total and permanent inability to perform all usual and customary duties and activities of a person of like age and sex.
Loss of Baggage and Personal Effects - 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.
Specific Exclusions
A. Exclusions specific to the policy which can be waived off, by opting for an add-on / extension cover, on payment of additional premium
The Company will not be liable to make any payment for any Claim under the Policy in respect of an Insured Person, caused by, arising from or in any way attributable to any of the following, except where provided to the contrary under any Coverage(s) within the Policy:
The Company will not be liable to make any payment for any Claim under the Policy in respect of an Insured Person, caused by, arising from or in any way attributable to any of the following, except where provided to the contrary under any Coverage(s) within the Policy:
- Pre-existing Disease or its complications
- Insured Person's Participation in Adventure Sports for Leisure performed under expert supervision of trained professional
- Loss, Damage cost or expense of whatsoever nature caused by, resulting from or in connection with any Act of Terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss
B. Standard exclusions applicable to all policy and add-ons
The Company will not be liable to make any payment for any Claim under the Policy in respect of an Insured Person, caused by, arising from or in any way attributable to any of the following:
The Company will not be liable to make any payment for any Claim under the Policy in respect of an Insured Person, caused by, arising from or in any way attributable to any of the following:
- The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment.
- Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel.
- Losses due to war or any act of war, invasion, act of foreign enemy, civil war, public defense, rebellion, revolution, insurrection, military or usurped acts, nuclear weapons/materials, Chemical and biological weapons, Ionizing radiation.
C. Exclusions specific to this policy and its add-ons which cannot be waived
- Where the Insured Person is travelling against the advice of a Medical Practitioner; or receiving or on a waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining treatment; or has received a terminal prognosis for a medical condition.
- Treatment which could be reasonably delayed until the Insured Person's return to place of destination.
- Any Claim occurring in a geographic zone/City / State which is not specifically covered under the Policy
- Any claim of Insured Person arising from: a. suicide or attempted suicide b. Wilful self-inflicted illness or injury except injury in self-defence or to save life.
- Certification / diagnosis / Treatment by a family member, or a person who stays with the Insured Person, or from persons not registered as Medical Practitioners under the respective Medical Councils, or from a Medical Practitioner who is practicing outside the discipline that he is licensed for, or any diagnosis.
- Treatment that is not scientifically recognised or Unproven/Experimental treatment, or any form of clinical trials or any kind of self-medication and its complications.
- Rest or recuperation at a spa or health resort, sanatorium, convalescence home or institution.
- Any form of Alternative Treatment: AYUSH Treatment; Hydrotherapy, Acupuncture, Reflexology Treatment or any other form of indigenous system of medicine.
- Any expenses incurred in connection to Treatment for general debility, ageing, convalescence, sanatorium Treatment, rehabilitation measures, private duty nursing, respite care, health resort, rundown condition or rest cure.
- Circumcision unless necessary for Treatment of an Illness or Injury not excluded hereunder or due to an Accident.
- Associated expenses for alopecia, baldness, wigs, or toupees and hair fall treatment and products, issue of medical certificates and examinations as to suitability for employment or travel.
- Being under the influence of intoxicating liquor or drugs or other intoxicants except where the insured is not directly responsible for the injury / accident though under influence of intoxication.
- Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion.
- Operating or learning to operate any aircraft or performing duties as a member of the crew on any aircraft or Scheduled Airline.
- Any loss due to the release, dispersal or application of pathogenic or poisonous biological or chemical materials.
- External Congenital anomalies or any complications or conditions arising there from.
- Any Insured Person's participation in Adventure sports without expert supervision of trained professional or participation in Professional Sports.
- Insured Person's actual or willful participation in an illegal act or any violation or attempted violation of the law.
- Any loss caused by Osteoporosis (porosity and brittleness of the bones due to loss of protein form the bones matrix) or Pathological Fracture (any fracture in an area where pre-existing disease has caused the weakening of the bone) if Osteoporosis or Bone Disease diagnosed prior to the Policy / Cover Period unless arising out of an Injury.
- Confinement in a hospital which is not medically necessary.
- Loss resulting in or contributed or aggravated or prolonged by childbirth or from pregnancy
- Vaccinations except post-bite Treatment.
- In respect of travel by the Insured Person to any places within India against whom the Republic of India has imposed general or special travel restrictions, or against whom it may be imposed such restrictions, or any places within India which has imposed or may impose subsequently, such restrictions against travel.
- Venereal disease, Sexually Transmitted Disease or illness; except HIV/AIDS
- Serving in any branch of the Military or Armed Forces of country, whether in peace or War, and in such an event the Company, upon written notification by Insured Person, shall return the pro rata premium for any such period of service during the Trip
- Any treatment taken outside India
Claim Notification
It is a condition precedent to The Company's liability hereunder that notice of Claim must be given by the Insured Person to The Company within seven (7) days after an actual or potential loss occurs or as soon as reasonably possible and in any event no later than (30) Days after an actual or potential loss occurs. The fulfillment of the terms and conditions of this Policy (including payment of premium by the due dates mentioned in the Policy Schedule / Certificate of Insurance) insofar as they relate to anything to be done or complied with by the Insured Person(s), including complying with the procedures and requirements in relation to Claims, shall be Conditions Precedent to The Company liability under this Policy.
For details on the Claims procedures and requirements or any assistance during the process, The Company may be contacted at The Company call centre on the toll free number as specified above. In case of Claim the Insured Person must:
For details on the Claims procedures and requirements or any assistance during the process, The Company may be contacted at The Company call centre on the toll free number as specified above. In case of Claim the Insured Person must:
- take immediate steps to protect, save and/or recover the covered property;
- give immediate notice to the carrier or bailee who is or may be liable for the loss or damage;
- notify the police or other appropriate authority in the case of Robbery or Theft within 24 hours
Scrutiny of Claim Documents- The Company / Assistance Company shall scrutinize the Claim and accompanying documents. Any deficiency of documents shall be intimated to Insured Person
Contact Details for Claims Initiation
- Contact Bimaplan:
- Call: +91-8045685888
- Email: support.myavio@bimaplan.co
- Contact Tata AIG: For any claim related query, intimation of claim and submission of claim related documents, the Insured Person can contact at below numbers for any claim related assistance: Toll Free No. 1800119966/022 6489 8282 from BSNL / MTNL Land line or 1800 2671955 (only for senior citizen policy holders) Email: general.claims@tataaig.com