1. Star Health and Allied Insurance Co. Ltd. Star Family Travel Protect Insurance

2. Star Health and Allied Insurance Co. Ltd. Who can benefit from this Policy? All Indian Nationals with their family whose age ranging between 6 months and 60 years traveling outside India on Holiday can take this insurance.

3. Star Health and Allied Insurance Co. Ltd. Family Family means Self Spouse Two Dependent Children

4. Star Health and Allied Insurance Co. Ltd. Coverage When you travel abroad for a Holiday our Star Travel protect policy provides you for Emergency medical expenses. Repatriation in case of medical emergency. Transportation of mortal remains. Any Dental emergency expenses resulting from injury. Compensation following Accidental injuries. Cost of Loss of your Checked in Baggage. Reasonable expenses incurred for obtaining New Passport.

5. Star Health and Allied Insurance Co. Ltd. Coverage (Contd.) Expenses on Emergency purchases of consumables due to any delay in handing over your checked in baggage by the carrier for more than 12 hours. Pecuniary Loss on cancellation of your trip due to any accidental bodily injury/death of a family member. Any Legal Liability that may be fastened upon you, if you cause any bodily injury or property damage to any third party.

6. Star Health and Allied Insurance Co. Ltd. Medical Examination If the medical history as revealed in the proposal is adverse ECG Fasting & Postprandial Blood Sugar Cholesterol Profile and Urine Strip test plan reports are required to be submitted along with the proposal

7. Star Health and Allied Insurance Co. Ltd. Plan Options Travel World Wide Including USA and Canada Travel World Wide Excluding USA and Canada Travel Asia excluding Japan & Hong Kong

8. Star Health and Allied Insurance Co. Ltd. Sum Insured Options Travel Worldwide Including/Excluding USA and Canada USD 50,000 USD 100,000 USD 250,000 Travel Asia Excluding Japan and Hong Kong USD 10,000 USD 25,000 USD 50,000

9. Star Health and Allied Insurance Co. Ltd. Number of Days The following options are available 15 days 30 days 45 days 60 days

10. Star Health and Allied Insurance Co. Ltd. Travel World wide(including USA & CANADA) Sum Insured USD 50000 USD 100000 USD 250000 USD 50000 USD 100000 USD 250000 Options15 Days30 Days 2A175020502206292134553571 1A + 1C167519012011260629563111 2A + 2C334537954015520559116221 2A + 1C255129253111406046814895 1A + 2C247127712915374641804435 2C159017441813228324542651 45 Days60 Days 2A344142764545469561566765 1A + 1C318037953930434553355911 2A + 2C63567586786186901067011820 2A + 1C489559306201669684159291 1A + 2C463654455590634175968435 2C291633093317399345145053 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Worldwide Including USA & CANADA A – Adults, C - Children

11. Star Health and Allied Insurance Co. Ltd. Coverage Limits : Worldwide Including USA & CANADA Sum Insured Sections USD 50000USD 100000USD 250000 CoverageDeductibleCoverageDeductibleCoverageDeductible Section 1 Emergency medical Expenses (M1) 50000100100000100250000100 Emergency Medical Transportation (M4)Included in M1 Transportation of Mortal Remains (M3)Included in M1 Section 2 Dental Emergency Assistance (M2) 250252502525025 Section 3 Personal Accident (A1) 5000NA5000NA10000NA Section 4 Loss of Checked In Baggage (T1) 250NA250NA350NA Section 5 Loss of Passport (T2) 150152001525015 Section 6 Delay of Checked in Baggage (T3) 5012 Hrs5012 Hrs10012 Hrs Section 7 Trip Cancellation/Interruption Due To Accidental Death/Bodily Insjury of Family Member (T4) 100050100050200050 Section 8 Personal Liability (L1) 2000NA2000NA2000NA figures are in USD

12. Star Health and Allied Insurance Co. Ltd. Travel World wide(excluding USA & CANADA) Sum Insured USD 50000 USD 100000 USD 250000 USD 50000 USD 100000 USD 250000 Options15 Days30 Days 2A115011901276155116161781 1A + 1C97610801151144115261656 2A + 2C194621562300288130503306 2A + 1C152616711785221523312545 1A + 2C139615611665210522452416 2C8429621025132814361524 45 Days60 Days 2A181119212131214520903765 1A + 1C164617852001198619462991 2A + 2C329035713995396638915981 2A + 1C255127463066305629914871 1A + 2C239026102930289528464095 2C148216491865182317982215 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Worldwide Excluding USA & CANADA A – Adults, C - Children

13. Star Health and Allied Insurance Co. Ltd. Coverage Limits : Worldwide Excluding USA & CANADA Sum Insured Sections USD 50000USD 100000USD 250000 CoverageDeductibleCoverageDeductibleCoverageDeductible Section 1 Emergency medical Expenses (M1) 50000100100000100250000100 Emergency Medical Transportation (M4)Included in M1 Transportation of Mortal Remains (M3)Included in M1 Section 2 Dental Emergency Assistance (M2) 200202002020020 Section 3 Personal Accident (A1) 5000NA5000NA10000NA Section 4 Loss of Checked In Baggage (T1) 250NA250NA500NA Section 5 Loss of Passport (T2) 250152501525015 Section 6 Delay of Checked in Baggage (T3) 5012 Hrs5012 Hrs10012 Hrs Section 7 Trip Cancellation/Interruption Due To Accidental Death/Bodily Insjury of Family Member (T4) 100050100050150050 Section 8 Personal Liability (L1) 2000NA2000NA2000NA figures are in USD

14. Star Health and Allied Insurance Co. Ltd. Travel World wide(including USA & CANADA) Sum Insured USD 10000 USD 25000 USD 50000 USD 10000 USD 25000 USD 50000 Options15 Days30 Days 2A695860102198012101435 1A + 1C61676090191111211333 2A + 2C122515161801181522412665 2A + 1C96011861410139617262050 1A + 2C88010861290132616401948 2C53065578083610331230 45 Days60 Days 2A114114061673135116711983 1A + 1C104112801523125115461835 2A + 2C207625613045250030863670 2A + 1C160619862359192523752826 1A + 2C150618602209182622552679 2C93311531373114814181688 Premium figures are in Rupees and inclusive of S.Tax Premium Rating : Asia Plan Excluding JAPAN & HONGKONG A – Adults, C - Children

15. Star Health and Allied Insurance Co. Ltd. Coverage Limits : Asia Plan Excluding JAPAN & HONGKONG Sum Insured Sections USD 10000USD 25000USD 50000 CoverageDeductibleCoverageDeductibleCoverageDeductible Section 1 Emergency medical Expenses (M1) 100001002500010050000100 Emergency Medical Transportation (M4)Included in M1 Transportation of Mortal Remains (M3)Included in M1 Section 2 Dental Emergency Assistance (M2) 100201502025025 Section 3 Personal Accident (A1) 2000NA2500NA5000NA Section 4 Loss of Checked In Baggage (T1) 250NA250NA250NA Section 5 Loss of Passport (T2) 150152001525015 Section 6 Delay of Checked in Baggage (T3) 5012 Hrs5012 Hrs10012 Hrs Section 7 Trip Cancellation/Interruption Due To Accidental Death/Bodily Insjury of Family Member (T4) 500NA500NA1000NA Section 8 Personal Liability (L1) 2000NA2000NA2000NA figures are in USD

16. Star Health and Allied Insurance Co. Ltd. Extension of Trip The policy can be extended on payment of Additional premium and declaration of good health by the insured. Maximum number of permissible extensions is two. Request for extension should be given well before expiry of the policy.

17. Star Health and Allied Insurance Co. Ltd. Major Exclusions Loss directly or indirectly occasioned by happening through or in consequence of a.Travel against Medical Advice b.Any Pre existing condition c.With the intention of receiving medical treatment d.Insured being aware of circumstances that could reasonable be expected to give rise to a claim e.Winter Sports or the Use of Dry ski slopes f.Manual work of any kind, etc

18. Star Health and Allied Insurance Co. Ltd. Claims arising from pregnancy Claims increased by the Insured’s own act or omission Consequential Loss Claims relating to Bankruptcy or Liquidation Congenital anomalies or any other complications or conditions arising there from Professional or Organised Sports, rock Climbing or mountaineering, racing speeds or endurance tests, hazardous pursuit or occupation or air travel (other than as a passenger) and similar activites. For Detailed list of exclusions kindly refer the policy wordings. Major Exclusions (Contd.)

19. Star Health and Allied Insurance Co. Ltd. Third Party Administrator Paramount Healthcare Management Pvt. Ltd. Dedicated Help Line – 0091 2267515559 Toll Free Number when dialing from USA -1 866 978 5205 Toll Free Number when dialing from Rest of the World -00 91 2267515559 E-Mail : travelhealth@phmglobal.com

20. Star Health and Allied Insurance Co. Ltd. Claim Procedure Hospitalization Claims Documents RequiredProcedure to be followed 1.Our Assistance Co. ref. No. and approval. 2.Claim form duly filled in all aspects 3.Doctor’s Advice Reports 4.Pathological/Lab Reports 5.Original bills/Receipts/Prescriptions 6.Discharge Certificate 7.Policy Copy 8.If expenses paid by you seek reimbursement 9.Preserve all original bills/prescriptions 1.Please call our Assistance Co. Toll Free Number when dialing from USA 1 866 978 5205 Toll Free Number when dialing from Rest of the World 00 91 2267515559 2.Call for claim Form 3.Get the assistance for Admission through our Assistance Co.

21. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Personal Accident Claims Documents RequiredProcedure to be followed 1.Inform our Assistance Co. 2.Narration of the facts 3.Police Report 4.Witness Statements 5.Death Certificate, if applicable 6.Cause of Accident 7.Post mortem report, if applicable 8.Original Bills 9.Details of treatment taken for PTD or PPD with supporting prescriptions and Doctor’s advice 1.Obtain Claim form 2.Fill in the claim form in all respects 3.Inform police 4.In case of PTD, obtain Disability Certificate from the treating Doctor 5.Witness if any, get statements from them

22. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Loss of Checked in Baggage Claims Documents RequiredProcedure to be followed 1.Claim form duly filled in 2.Copy of Letter lodging a claim on the carrier 3.Property Irregularity Report / other report issued by the Carrier 4.Compensation received from the Carrier 5.Adequate proof of value of items contained in checked in baggage value in excess of US$100 1.Please inform our Assistance Co. 2.Obtain claim form 3.Lodge complain with the Carrier 4.Send complete documents

23. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Delay of Checked-In-Baggage Claims Documents RequiredProcedure to be followed 1.Claim form with ref. 2.Copy of ticket 3.Copy of Visa/Passport 4.Certificate from the Carrier fro the delay in checked-in-baggage for more than 12 hrs 5.Irregularity Report or any other report from the airline stating date 6.Original bills of emergency consumables purchased up to the arrival of delayed baggage. 1.Inform our Assistance Co. 2.Claim form can be obtained from our Assistance Co. 3.Send duly filled in claim form with supporting documents

24. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Personal Liability Claims Documents RequiredProcedure to be followed 1.Inform our Assistance Co. 2.Narration of the Incident 3.Proof of judicial decision 4.In case of bodily injury, nature of bodily injury 5.Witness Statement 6.Victims Statement 7.Police Complaint by the victim 8.Your report to the Police 9.Legal notice, summons, etc. 10.Lawyers opinion about the incident vis-à-vis your liability 1.Inform our Assistance Co. 2.Engage Lawyer with the consent of the Company 3.Correspondence, if any, without prejudice 4.No commitment on any benefit or enter into agreement

25. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Trip Cancellation Claims Documents RequiredProcedure to be followed 1.Inform Policy issuing office/call centre 1800 425 2255 2.Fill up the claim form 3.Cause for cancellation with supporting evidence 4.In case of Bodily injury, Hospitalisation Bill, Doctor’s Bill, etc. 5.In case of Death of relative, Death Certificate 6.In case of Quarantine, Certificate from the Authorities 7.In case of deposing as a witness, Copy of summons served 8.Copy of ticket 9.Copies of correspondence with the Airline authorities 1.Inform Policy Issuing Office 2.Obtain claim form 3.Inform the Travel agent or the tour operator through whom the trip was arranged 4.Preserve unused ticket or any prior agreement entered into with Hotels, etc., resulting in loss because of cancellation of the trip

26. Star Health and Allied Insurance Co. Ltd. Claims Procedure (contd.) Loss Of Passport Claims Documents RequiredProcedure to be followed 1.Copy of complaint lodged with the police 2.Inform Passport office 3.Copy of lost passport 4.Cause of loss 5.Expenses incurred for obtaining duplicate passport 1.Inform our Assistance Co. 2.Take their Assistance 3.Inform Police

27. Star Health and Allied Insurance Co. Ltd.