United India Travel Insurance Policy

Travelling is the Most important way to enjoy Life and know something different from the Routines. Nowadays, there are lots of facilities exist to travel from one place to another without any much hurdles. When you are travelling overseas be sure that you have proper travel insurance coverage to take care of you. United India Insurance Company Limited offers various United India Travel Insurance Policy which will take care of predicted situations during Travel.

“The World is a Book and those who do not Travel read only one Page”

Having a Travel insurance policy in hand will help you to ensure complete protection all through the trip and even offers you compensation when an emergency hits. United India Travel Insurance Plan is the Best Insurance Plan for the people who are leisurely travel to different countries. Now you can travel overseas with your loved ones without worries. The United India overseas mediclaim insurance helps you travel abroad in peace by leaving the financial burden of any medical emergency.

United India Travel Insurance Policy is the insurance which intended to cover medical expenses, trip cancellation, baggage loss, passport loss and other losses incurred while travelling either internationally or within one’s own country. So the Persons who are going abroad on business and holiday can buy this Travel Insurance Plan. United India Bank Ltd. Offers three types of Travelling Insurance Policies. They are

Baggage Policy.
Suhana Safar Policy.
Marga Bandhu Policy.

1. United India Baggage Policy

Baggage Insurance is available to protect your belongings. To protect your valuables, Baggage Insurance can help you if you suddenly find yourself without your possessions. It Provides reimbursement if your luggage is lost, stolen or damaged during your travels.

Key Features and Benefits of United India Baggage Policy:

This Policy covers all the accompanied baggage during a journey like suitcases trunks etc. which contains the baggage and additions during the journey.
It covers the loss of baggage during overseas travels.
This baggage policy covers accompanied baggage during a specified journey includes air travels.
Total Loss of checked-in Baggage.
Delay of checked-in baggage: Delay of more than 12 hours from the arrival time in receiving the checked in baggage in the outbound flight.
United travel insurance baggage policy provides cover against loss (or) damage to the personal baggage due to fire and any terrorist activity or theft or any accident during the course of the journey.
The policy will pay for the contents of the baggage damaged or for the lost due to any of the serious and immediate danger occurred.
This Policy will give reasonable expenses incurred in obtaining travel documents/ duplicate/ fresh passport in the case of Loss of Passport.

United India Travel Insurance Baggage Policy Exclusions:

This Policy doesn’t cover the loss or damage under the following situations.

United India Baggage Policy doesn’t cover to the to the articles of consumable nature cash securities jewellery precious stones furs watches etc.
The Baggage policy will not cover any property conveyed or transported by a carrier under receipt.
The Travel Insurance policy does not cover due to depreciation wear and tear consequential loss legal liability theft from the unsecured car.
It doesn’t cover the Damage due to war risk nuclear risk moth vermin or while cleaning repairing.
The Baggage policy does not cover cash and valuables like jewellery.

2. United India Suhana Safar Policy

This Travel Insurance Policy is specially designed for Domestic Travel Policy. United India Suhana Safar Policy offers the people who travel through Air, Water, Road, Rail includes their Vehicle. The Traveler can now avail of an insurance policy for a short duration or travel upto a period of fewer than 60 days within India for a Single Round of Travel.

Key Features and Benefits:

It covers the remote station travel within India.
Suhana Safar covers death or disablement due to accident.
Covers loss of baggage during journey.

United India Suhana Safar Policy Coverages

The policy covers the risks of Personal Accident and Loss of Baggage of the insured spouse and dependent children.

Coverage is available for a single round of travel to the places declared up to the scheduled date of return which is less than 60 days.

Personnel Accident:

Death or Permanent Disablement solely due to accident occurred outside India during the covered trip.
The United India travel insurance Suhana safer policy provides for Personal Accident risk upto Rs.1 lacs per head with reimbursement of scannable actual emergency incidental expenses upto Rs.1,000/- per head.
Suhana safer policy covers and reimburses to the insured person. Bodily injury sustained by the insured arising out of an accident resulting in death or disablement within 12 calendar months of the accident will be indemnified.

Personal Liability:

If the Insured person becomes legally liable to pay any accidental cost to the Third Party bodily injury claims or Third Party property damages arising from an incident during the covered trip.

Trip delay:

This Policy provides reasonable additional accommodation charges and travelling expenses incurred due to Delay of the trip beyond 6 hours of scheduled departure.

Trip Cancellation:

United India Travel Insurance Policy covers the Loss of Money due to Ticket Cancellation.

Missed connection:

In the case of aircraft from India delayed beyond 12 hours from the scheduled time of arrival.

Baggage:

Any Loss or damage to the personal effects carried as accompanied baggage due to fire, strike, terrorism, malicious damage, theft, burglary for the actual value of the articles but not exceeding Rs. 500 per article unless specifically declared.

Loss of Passport:

This Policy Provides reasonable expenses incurred in obtaining travel documents/ duplicate/ fresh passport in case of Loss of Passport.

United India Suhana Safar Policy Exclusions

Pre-existing illness/disease/injury/condition.
Insured travelling against Doctor’s advice.
Suicide Attempt.
Insured is taking part in Naval, Military or Airforce operations.
War, acts of foreign enemy, civil war and similar activities.
Contamination by radioactivity, nuclear fuel, etc.
HIV, HIV-related illness including AIDS.

Particulars of cover liability and exclusion details of United India Travel Insurance Policy given above are not complete or exhaustive.

3. United India Marga Bandhu Policy

Anyone who is travelling for an educational tour, pilgrimage or a yatra, are entitled to this policy. Educational institutions tour operators travel agents clubs associations etc. who arrange tours picnics yatra can avail this Marga Bandhu Policy.

Features of United India Travel Insurance Marga Bandhu policy:

It covers death or disablement (Permanent Total or Partial) due to the accident.
Provides Medical Expenses due to sudden, unexpected sickness and/ or accident, when insured is outside of India.
Marga Bandhu travel insurance policy mainly covers for trip cancellation and baggage delay.
In the case of Loss of Passport, this travel insurance policy provides expenses to obtain a fresh passport or to get a duplicate passport.

Amount paid:

100% of the total sum insured in case of death.

50% of the total sum insured in case of one limb is lost.

The percentage of partial or permanent disability varies.

Benefits with Additional Premium:

Medical expenses incurred up to 25% of claim or 10 % of sum insured whichever is lower Loss/ damage to accompanied baggage with limits of Rs. 1 0 or Rs. 2 0.
Additional expenses incurred towards alternative travel arrangement on account of detour/ cancellation subject to a limit of Rs. 1 0 or Rs. 2 0 (depending on CSI chosen) – if detour arises by loss/ damage to a mode of transport.

United India Marga Bandhu Policy Inclusions:

Loss Of Passport:

This Policy Provides reasonable expenses incurred in obtaining travel documents/ duplicate/ fresh passport in case of Loss of Passport.

Trip delay:

This Policy provides reasonable additional accommodation charges and travelling expenses incurred due to Delay of a trip beyond 6 hours of scheduled departure.

Trip Cancellation:

United India Travel Insurance Policy covers the Loss of Money due to Ticket Cancellation.

Missed connection:

In the case of aircraft from India delayed beyond 12 hours from the scheduled time of arrival.

United India Marga Bandhu Policy Exclusions

Any payment after the admission of a claim for 50% / 100% of CSI.
Any claim in the same period of insurance exceeding the CSI
suicide Attempt.
Natural damage of goods because of normal depreciation.
War and Nuclear Perils.
Damage of money and paper documents.
Pregnant persons.

United India Travel Insurance Policy Buying Process

The United India Travel Insurance Plans are available on online. So the Policy Holders who wish to buy can buy through online at the official site of United India Life Insurance Company Limited.

United India Travel Insurance Policy Renewal Process

The Policy is issued on per trip basis. This Overseas Travel Policy is renewable in the case of annual policies issued to Corporate Frequent Travelers. The Life Insured can Renewal the United India Travel Insurance Policy through Online. The Procedure is as follows.

Requires Policy Number.
The Policy will be available for renewal 30 days before expiry date.
A policy with the claim will not be available for online renewal.
Policies with more than 10 lakh sum insured will not be available for online renewal.
Addition / Deletion of members is not possible online.
Increase / Decrease in Sum Insured is not possible online.

United India Overseas Travel Insurance Plans Premium Calculator

Life Assured can calculate the Premium and your benefits by using Premium Calculator. Therefore, Calculator is available on the official site. In the Premium Calculator, you have to enter the Following Fields to buy or Renewal the Travel Insurance Policy.

Destination.
Travel Purpose.
Travel Members.
Duration of Journey.
Starting Date of Journey.

United India Travel Insurance Policy Claim procedure

Life Insured must follow the below steps to claim their Travel Insurance Policy:

At First, you have to inform the nearest branch of United India Life Insurance office through phone or give written Intimation.
Obtain the claim form from the Office concerned or the Office nearest to you and fill up the same and give an estimate of the loss.
In case the loss is very large, prompt intimation is required to send a suitable surveyor to assist you in minimising the loss.
To help to prove the claim, the surveyor can check the documentary evidence.
You must need to hand over the photocopies of necessary documents and obtain an acknowledgement.
In the case of any burglary (or) theft, a police F I R will have to be registered.
Surveyor may also be given copies of licences, permits and certifications as are in force to establish that the operations were conducted as per law, and a copy of the survey report may be handed over to you.
As soon as the survey report and copies of the document desired by the surveyor (or) the Insurer is complied with by you, you can keep in touch with the office for early disposal of the claim.