Accident Emergency Evacuation Cover

Accidental Death Coverage

Suppose the policyholder suffers from an accident covered under the policy that results in death. In that case, the policyholder will receive the sum insured as per the certificate of insurance or the policy scheduled. The event must be covered under the insurance policy and result directly in the policyholder passing away solely due to the injury within 365 days from the date of the accident. Once an insurance claim is accepted and paid under this benefit, it automatically terminates for the policyholder.

Accidental Emergency Evacuation Cover

If the policyholder suffers from an injury from an event covered under the policy and adequate medical facilities are not locally available, the expenses for emergency evacuation are paid under the policy. The event must occur during the policy year. The expenditures for emergency evacuation are paid as per the limits specified in the policy schedule. The injured person is evacuated to the nearest facility within India that can provide adequate care. The provisions for this cover are:

• Medical Assistance Service is arranged for transporting the policyholder to the nearest hospital that provides the necessary treatment under proper medical supervision.

• Our medical team pre-authorizes the emergency medical evacuation. If pre-authorization is not reasonably possible, it must be done soon after the evacuation takes place.

• Our medical team must determine that it is medically necessary to evacuate the patient to prevent any immediate and significant effects of Injury. This is done when leaving the patient untreated can significantly deteriorate health, and adequate treatment is not available locally.

• During these determinations, the nature of the emergency is considered. The medical condition and the ability of the patient to travel are taken under consideration. Other relevant circumstances such as distance to be covered, weather conditions, and airport availability are also contemplated.

• The insured patient's medical condition should require to be accompanied by a qualified healthcare professional during the entire course of the evacuation. Only in this case will the condition be considered as an emergency that needs emergency evacuation.

• Transportation is provided by a medically equipped specialty aircraft, commercial airline, train, or ambulance depending upon the available transportation and the medical requirements. These conditions are specific to each case.