SBI Travel Insurance (Business & Holiday)

Why SBI Travel Insurance (Business & Holiday)?

Be it lost baggage or a sudden hospitalisation during your trip, you deserve support to handle any situation abroad. SBI General Insurance Company Limited wants you to enjoy your trip without any worries, offering crucial financial support for such unexpected medical and other emergencies.

You can think of this SBI travel insurance (Business & Holiday) policy as your trusty travel companion, which offers benefits ranging from medical expense coverage, travel support, protection in case of delay or loss of checked baggage and more. It can be purchased for single-trip as well as multi-trip plan and is available for different types of travellers across a wide age range.

SBI Travel Insurance (Business & Holiday) Eligibility Criteria

Any Indian traveller planning a trip abroad can buy this policy. Here are the eligibility criteria for this SBI travel insurance policy:

Whether the travel is for business engagements, official duties, or leisure, the policy is applicable. Any pre-existing conditions are typically excluded from coverage.

SBI Travel Insurance (Business & Holiday) Inclusions

Inclusions are the benefits offered under a certain policy. This Travel Insurance Policy offers following coverage benefits to Indians travelling abroad:

• Medical Expenses: The policy will cover costs for medical treatment abroad caused by a sudden illness or injury during your trip. This includes doctor fees, hospital charges, and ambulance, etc.
• Emergency Medical Evacuation: The insurer will pay for transporting you to the nearest hospital or back to India if you can't get the required treatment there.
• Repatriation of Mortal Remains: In the unfortunate event of death, it covers the cost of transporting the insured's remains back to India.
• Loss of Checked Baggage: If your checked baggage is lost, the policy will pay you for the loss. A Property Irregularity Report (PIR) from the carrier is required.
• Delay of Checked Baggage: If your checked baggage is delayed by more than 12 hours, the insurer will cover emergency purchases of essential items.
• Loss of Passport: This benefit reimburses you for the expenses for getting emergency travel documents if your passport is stolen or misplaced abroad.
• Personal Accident: Pays compensation for accidental death or permanent disability during the trip.
• Trip Cancellation & Curtailment: If your trip is canceled or cut short due to unavoidable reasons like death, injury, or quarantine, this SBI Business & Holiday travel insurance policy will cover non-refundable accommodation or travel costs.
• Trip Delay: Pays a fixed amount for each 12-hour delay for your international flight delays.
• Personal Liability: If you become legally responsible for accidentally injuring someone or damaging their property, this covers the costs.

Other than these, the policy also offers additional benefits like:

• Travel Support
• Golfer's Hole-In-One
• Missed Connection
• Hospitalisation Daily Allowance
• Bail Bond
• Home Burglary Insurance & more.

SBI Travel Insurance (Business & Holiday) Exclusions

Here some general exclusions under this SBI travel insurance policy are mentioned below:

• Pre-existing Diseases: The policy doesn't cover medical conditions you already had before purchase.
• Routine Check-ups: No coverage for routine physical examinations or tests where there is no clear sign of illness.
• Travel Against Medical Advice: If a physician advises against travelling, any related medical expenses will not be covered.
• Travel for Treatment: Traveling with the purpose of getting medical treatment is not covered.
• Cosmetic Treatments: Cosmetic or aesthetic treatments, including plastic surgery (unless required due to an accidental injury), are excluded.
• Eyeglasses and Hearing Aids: The costs of eyeglasses, contact lenses, hearing aids, and other similar aids are not covered.
• Pregnancy-related Conditions: Treatment costs arising from pregnancy, childbirth, miscarriage, or abortion is generally excluded. However, there are exceptions for life-threatening ectopic pregnancies.
• Alternative Medicine: Treatments outside of modern medicine (allopathy) are not covered.

SBI Travel Insurance (Business & Holiday) Claim Procedure

If there's an emergency where you need to raise a claim under this SBI travel insurance policy, you must immediately contact Policybazaar.com or the insurer. You should keep the following in mind:

• Notify Immediately: In case of a situation that might lead to a claim, inform Policybazaar or the insurer right away. You can notify them by phone or email using the contact details provided in the Policy Schedule.
• Provide Necessary Information: Give as much information as possible regarding the illness, accident, or occurrence. This includes the treating doctor's name, hospital name and phone number, your policy number and issue date.
• Submit Documents: Send the policy document along with invoices, travel documents, and any other relevant details.
• Include Medical Certificates and Bills: If you received medical treatment, provide medical certificates along with all bills and receipts.
• Adhere to Timelines: Ensure that the claim is notified, and all documents are submitted no later than 30 days after the end of the insured trip.
• For Cashless Treatment: Call the Service Provider and request pre-authorization using the form provided. If satisfied, an authorisation letter may be sent to you or the network provider. Provide this letter & any other specified documents at the network hospital at the time of admission.