Apollo Munich Domestic Travel Insurance

Apollo Munich Health’s Domestic Travel Insurance Plan ensures that you avoid the risk and taking a view of needs of people and  provides solution against all sorts of health risks, and other risks while you are in trip.

Apollo munich domestic travel insurance gives you a comprehensive package and a healthcare coverage for people and apollo munich domestic travel insurance avoids a kind of health risk. And it is mainly designed for all types of people who suits for the customers

Domestic travel insurance is one among the category of travel insurance plan offered by the company. It will ensure complete health security to the insured. Apollo munich domestic travel insurance plan has been especially designed to safeguard people in terms of health crisis and to make their trip easy-going and hassle free.

Apollo Munich Domestic Travel Insurance key features

• Lost luggage assistance.
• Pre-trip information service provides you important up-to-date travel and health information.
• Referral of medical service providers and hospitals across India.
• 24×7 access to medical advice on telephone from anywhere in India.
• Reimbursement of medical expenses incurred during hospitalization (where ever possible).
• Arrangement of compassionate visit / emergency evacuation / repatriation/ repatriation of mortal remains.
• No medical tests required up to 70 years of age
• Specific plans for different cities/ destinations within India

Apollo Munich Domestic Travel Insurance Terms and conditions

Apollo munich domestic travel insurance has some terms and conditions when you take the policy the terms and conditions will be clearly mentioned in the policy.

Apollo munich domestic travel insurance terms and conditions are:

1. The Insured Person must  provide Us with  written  confirmation  from  the Carrier of the length and exact nature of the delay.

2. If the Insured Person dies as a result of the Accident within 365 days of its occurrence, then company will make payment of the Sum Insured less any sum paid for the permanent impairment,  and any sum  that  was  due to  be paid  for  the  permanent impairment shall not be paid.

3. Company will only make payment to an Insured Person who will be deemed to be authorised by You to receive the concerned payment. If the Insured Person has died, company will only make payment to:
i. The Nominee (as named in the Certificate of Insurance)
ii. The Insured Person’s, legal heirs if no nominee has been appointed, or if the nominee has died.

4. All payments under this Policy will be in Indian Rupees only.

5. Company shall make the payment of claim that has been admitted as payable by them under the Policy terms and conditions within 30 days of submission of all necessary documents / information and any other additional information required for the settlement of the claim.

Apollo Munich Domestic Travel Insurance Benefits

Benefits	Maximum Coverage	Deductible
Accident: Medical Treatment, Assistance & Evacuation: Room rent, boarding expenses,  Nursing, Intensive care unit, Transportation has been prescribed by a Medical Practitioner.  Anaesthesia, blood, oxygen, operation theatre charges, surgical appliances,  Medicines, drugs and consumables, Diagnostic procedures, The cost of prosthetic and other devices or equipment if implanted internally during a Surgical Procedure.	Rs. 100,000	Nil
Personal Accident [24 hours]: His death within 365 days of the Accident, then We will pay the Sum Insured. The permanent impairment of the Insured Person physical capabilities Accidental death – 100% of Sum Insured Loss of 2 Limbs (both hands or both feet or one hand and one foot)-100% of Sum Insured. Loss of a Limb and an eye -100% of Sum Insured Complete and irrecoverable loss of sight of both eyes – 100% of Sum Insured Complete and irrecoverable loss of speech & hearing of both ears-100% Loss of a Limb-50% of Sum Insured Complete and irrecoverable loss of sight of an eye – 50% Sum Insured	Rs. 500,000	Nil
Trip Cancellation: If an Insured Person’s outward journey as shown on his original travel booking and ticket on a Carrier is unavoidably cancelled because of: The death of the Insured Person or the travelling Insured Person’s Immediate family member. The hospitalization of the Insured Person or the travelling Insured Person’s parent,spouse or child due to a sudden illness and other medical condition is necessary to cancel the trip. Then We will reimburse up to the Trip Cancellation Sum Insured, for those travel and accommodation expenses that the Insured Person has paid .	Rs. 15,000	Nil
Trip Curtailment: Apollo munich insurance will reimburse up to the Trip Curtailment Sum Insured, for those travel and accommodation expenses that the Insured Person has paid and cannot recover or for which no value can be derived or he is liable to pay.	Rs. 15,000	Nil
Flight Delay: Company will reimburse up to the Flight Delay Sum Insured for those expenses incurred by the Insured Person for meals and accommodation provided that neither meals nor accommodation were offered by the Carrier or any other person without charge: Delay of the Carrier due to any severe weather conditions. Delay caused by strike or industrial action by the employees of the Carrier. Delay caused by any sudden or unforeseen breakdown of the Carrier’s equipment.	Rs. 1,000	Nil
Total Loss of Checked-in Baggage: Company will pay the amount required to purchase new items of the same kind and quality less the amount representing the condition and reasonable depreciation of the articles lost, provided that: Our maximum liability for any one item within one piece of baggage will be 10% of the Sum Insured. If the Insured Person has checked in more than one item of baggage, then Our maximum liability for all items within one piece of baggage will be 50% of the Sum Insured. The Insured Person obtains a property irregularity report from the Carrier confirming the loss. Our payment will be reduced by any sum for which the Carrier is liable to make payment.	Rs. 7,500	10% Per Article/ 50% Per Bag
Emergency Travel:Company will reimburse the actual cost of an economy return airfare for one Immediate Family Member to travel to the Insured Person’s place of hospitalization subject to the Emergency Travel Sum Insured, provided that: The Immediate Family Member resides in India, and The Insured Person was travelling alone.	Rs. 10,000	Nil
Emergency Hotel:Company will reimburse the reasonable costs of accommodation (boarding and lodging), of the Immediate Family Member subject to the Emergency Hotel Sum Insured, provided that: The Immediate Family Member resides in India, and The Insured Person was travelling alone.	Rs. 10,000	Nil

Apollo Munich Domestic Travel Insurance policy cover

Benefit	Coverage	Does not cover
Accident: Medical Treatment, Assistance & Evacuation	Reimbursement up to  Rs 100,000   for  Medical expenses incurred for Hospitalization or outpatient treatment by an Insured Person due to an accident during the risk period.	•  Treatment of any illness even if caused by Accident,  unless necessitated   to maintain life and relieve pain.•  Treatment which is not medically necessary•  Dental treatment unless necessitate by an Accident
Total Loss of Checked-in Baggage	Reimbursement up to  Rs 10,000   for  expenses incurred  to purchase new similar quality items in an event of total loss of checked-in baggage while travelling by a Carrier.Maximum reimbursement for any one item within one piece of baggage will be 10%  of the Sum Insured. If the  Insured  Person  has  checked  in more than one item of baggage, then maximum reimbursement for all items within one piece of baggage will be 50% of the Sum Insured.	•  Valuables, money, any kind of securities•  Any partial loss or not amounting to total loss •  Any claim not supported by a written confirmation from the competent airline authority confirming baggage lost was checked in.
Delay of Checked-inBaggage	Reimbursement up to Rs  5,000  for purchasing essential personal items of medication, toiletries or clothing in an event of delay of accompanying checked-in baggage while travelling by a Carrier.	•  Any delay which is of less than 12 hours•  Delay on return to the usual place of residence•  Destinations not mentioned on travel tickets •  Any claim not supported by a written confirmation from the competent airline authority confirming delay of checked in baggage.
Personal Liability	Indemnification up to Rs 100,000  against actual legal liability (including defence costs) to pay damages for  negligence  which  results  from  a third-party civil claim made for third-party death, bodily injury or property damage.	•  Legal liability other than third-party civil claim•  Transmission of an illness•  Deliberate, willful, malicious or unlawful act or omission
Personal Accident  [24 hours]	Lumpsum benefit up to Rs 750,000  hedging against risk of permanent total disablement or death of the Insured Person in an event of an accident during risk period.	•  Bacterial infection other than (pyogenic infection which occurs due to Accident )•  Medical or surgical treatment except as an result of Accident
Flight delay	Reimbursement   up to Rs  2,000 for  expenses incurred  by the Insured Person for  meals  and accommodation due to delay in flight for a continuous and completed 6 hour period beyond its scheduled departure or scheduled arrival time, provided that the delay is due to severe weather conditions, strike or industrial action of the airline employees and due to unforeseen breakdown of Carrier’s equipment	•  Any delay which is of less than continuous and completed 6 hours•  Any claim not supported by a written confirmation from the competent airline authority confirming reason and duration of said delay.•  Voluntary suspension of services by Carrier
Trip Cancellation	Reimbursement up to Rs 20,000  for travel and accommodation expenses that the Insured Person has paid and cannot recover,  if outward journey is cancelled  due to death  or hospitalization of Insured Person or Insured Person’s  immediate family member	•  Any charges that could have been avoided but were incurred because of any delay in cancelling travel or accommodation.•  Facts or matters of which was aware or ought to be aware which may result in a cancellation while booking the ticket
Trip Curtailment	Reimbursement up to Rs 20,000  for travel and accommodation expenses that the Insured Person has paid and cannot recover, if the trip is unavoidably curtailed during the Risk period due to death or Hospitalization of insured Person or Insured Person’s immediate family member.	•  Any charges that could have been avoided but were incurred because of any delay in cancelling travel or accommodation.•  Facts or matters of which was aware or ought to be aware which may result in a cancellation while booking the ticket
Emergency Travel	Reimbursement of return economy class airfare up to   Rs   10,000 for   one  immediate   family member in case of accidental hospitalization of insured person for more than 7 consecutive days	• Hospitalisation less than 7 consecutive days•  Immediate family member  does not reside in India
Emergency  Hotel	Reimbursement  up to  Rs 10,000   of  costs  for accommodation (boarding and lodging) for an immediate family member in case of accidental hospitalization of insured person for more than 7 consecutive days.	• Hospitalisation less than 7 consecutive days•  Immediate family member  does not reside in India

Apollo Munich Domestic Travel Insurance Claim procedure

In case of a claim:
1. The Insured first needs to contact Apollo Munich Health and register his claim immediately.
2. Please collect all the essential claim documents as mentioned in the claim form and the procedure sent by Apollo Munich Health on intimation.
3. Fill up the claim form completely with the signature of the claimant.
4. Claim form along with all essential claim documents in original needs to be submitted within 30 days of the occurrence of the incident.

• Your contact details
• Name of the Insured
• Policy number
• Date and time of problem
• Nature of problem
• Location of problem

You have to report your claim to Assistance:

• Please call on the below mentioned number for any assistance or registration of claims
• Customer Service(Toll Free No.): 1800-102-0333 (24 X 7)
• Fax: 0124-4584111.
• E-mail: domestictravel@apollomunichinsurance.com.
• Apollo Munich Health will provide the required assistance and send the claim form and explain the complete claim procedure.

Submit your claim to the claim department:

• Travel Claims Department,
  Apollo Munich Health Insurance Company Limited.
  2nd & 3rd Floor, iLABS Centre, Plot No. 404-405,
  Udyog Vihar, Phase-III, Gurgaon-122016, Haryana.
• Toll Free No.: 1800-102-0333

Apollo munich domestic travel insurance claim procedure

Apollo munich domestic travel insurance claim form

Domestic Travel Insurance Online

Apollo munich domestic travel insurance is also available on online you can also buy this policy through online and you can done your payments in online also.

Apollo Munich Domestic Travel Insurance Exclusions and Inclusions

Inclusions

Exclusions

Medical Treatment, Assistance & Evacuation Personal Accident [24 hours] Trip Cancellation Trip Curtailment Emergency Hotel Emergency Travel Total Loss of Checked-in Baggage Flight Delay

War or any act of war Any Insured Person’s participation or involvement in naval, military or air force operation suicide or attempted suicide The abuse or the consequences of the abuse of intoxicants or hallucinogenic substances such as drugs and alcohol, including smoking. Obesity or morbid obesity or any weight control program. Any non allopathic treatment. Charges related to a Hospital stay not expressly mentioned as being covered, including but not limited to charges for admission, discharge, administration, registration, documentation and filing etc

Apollo Munich Domestic Travel Insurance Customer Care

Email: customerservice@apollomunichinsurance.com

Phone: +91-124-4584333 Fax: +91-124-4584111

Sales Toll Free: 1800-103-0555 Support

Toll Free: 1800-102-0333.

Apollo Munich Domestic Travel Insurance FAQs

1.How to change the policy?

A.Apollo munich domestic travel insurance Policy constitutes the complete contract of insurance. This master Policy cannot be changed or varied by anyone(including an insurance agent or broker) except Us, and any change We make will be evidenced by a written endorsement signed and stamped by Us.

2.what is meant by deductible?

A.Deductible is a cost-sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified rupee amount in case of indemnity policies and for a specified number of days/hours in case of hospital cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the Sum Insured.

3.What is meant by termination?

A. You (MakeMyTrip) may terminate this master Policy at any time by giving us written notice, and the master Policy shall terminate when such written notice is received by Us. If no claim has been made under the master Policy then We will refund premium in accordance with the table below:

Length of time Policy in force Refund of premium:

• up to 1 month 75%
• up to 3 months 50%
• up to 6 months 25%
• exceeding 6 months 0%

We may terminate this master Policy on grounds of misrepresentation,fraud, non-disclosure of material facts or non-cooperation by You or any Insured Person or anyone acting on Your behalf or on behalf of an Insured
Person upon 30 days notice by sending an endorsement to Your address shown in the Schedule, and We shall refund a rateable proportion of the premium as long as no claim has been made under the master Policy.

4.What happen if the Apollo munich domestic travel insurance policy cancelled?

A. If the master Policy is cancelled, then each Certificate of Insurance which is already in force under the master Policy will continue in force until the end of the Risk Period.

5.How can you Renewal the policy?

• The amount paid for any Certificate of Insurance will be non-refundable.
• Company shall be entitled to call for and receive any information or documentation before agreeing to renew the master Policy,and in renewing company are not bound to renew for all Insured Persons.
• No renewal or extension of the Certificate of Insurance will be permitted. After the commencement of the Risk Period, the amount paid for the Certificate of Insurance will be non-refundable.
• For more information regarding Tax Benefits, visit www.taxqueries.in.

Apollo Munich Domestic Travel Insurance Forms and Documents

Apollo munich domestic travel insurance policy wordings

Apollo munich domestic travel insurance claim form for personal accident

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