GROUP TRAVEL INSURANCE

A Group Travel InsurancePolicy is purchased for a group of people travelling together. This Policycan be offered for International Trips as well as Domestic Trips.

A Group Travel Insurance Policy can be purchasedfor a Single Trip or for Multiple Trips throughout the year.

The most common Group Travel Insurances are Corporate Travel insurances. These are a must have for Corporates as they are offered with customisation to suit the needs of a particular Company.

• Companies usually purchase Group Travel InsurancePolicies for their employees
• Schools can purchase a Group Travel Insurance Policy for students who are going on a trip as a single group
• Another requirement is that Employees should be Citizens of India

Buying a GroupTravel Insurance Policy is not an expense but rather a tool to alleviate stress arising from change of plans or travel related problems. The following benefits are offered with a Group Travel Insurance Plan:

• Emergency Medical Expenses:A Group Travel Insurance Policy pays for any sudden illness or accident.
• Emergency Medical Evacuation: If evacuation is necessary to the closest city/town for better medical treatment then the same can be arranged under a Group Travel Policy.
• Accidental Death & Disability: An Accidental Death or Disability while on the trip is covered under a Group Travel Insurance.
• Repatriation of Mortal Remains: Expenses for sending the deceased body back home are covered.
• Trip Cancellation or Interruption: It is quite common for your itinerary to be impacted due to any emergency or flight related troubles that are covered with this plan.
• Trip Delay/Missed flight: If a Connecting Flight is missed due to bad or inclement weather, then expenses incurred due to the same are covered under a Group Travel Insurance Policy.
• Replacement of Lost/Stolen Baggage: A Group Travel Insurance will pay for any expenses arising out of Lost or Delayed Baggage
• Loss of Passport or other Travel Documents: A Group Travel Insurance Policy will cover expenses incurred towards obtaining new travel documents in case of Loss of Passport or Other Travel Documents.

The Insured can opt for the following Add-On Covers when purchasing a Group Travel Insurance Policy:

• Pre-Existing Illness cover: A Group Travel Insurance Policy normally doesn’t cover expenses arising out of Pre-Existing Diseases. However, in selective circumstances, the Insurance Company may waive this condition based on discretion.
• (H3) Adventure-Sports: Group Travel Insurance Policies have the option of covering Medical Expenses arising out of injuries on account of participation in Adventure Sports like Mountaineering, Sea Sports etc. which are normally an exclusion.

High-Risk Countries: A list of countries with high chances of war, terrorist attacks, or natural disasters can be covered on the prior approval from the Insurance Company while purchasing a Group Travel Policy for corporate travel.