What is Group Overseas Travel Insurance?
The group overseas travel insurance plan or international travel insurance plan provides coverage to any association, corporate, group or institution as per the IRDAI definition when they travel outside the geographical limitations of India. The policy offers protection in case of a fatality, injury or illness while travelling during the policy term.
Who should buy group overseas travel insurance?
If you are travelling outside India, then you can opt for a group overseas travel insurance policy. The plan ensures you do not have to deal with medical emergencies or unfortunate situations by yourself while in a foreign country.
Features of Zuno group overseas travel insurance
Medical expense benefit
Get covered up to the sum insured chosen in case of hospitalisation due to any sickness, injury or accident.
Emergency medical evacuation
Coverage for the cost incurred for an ambulance or any other transportation and evacuation services, including necessary medical care en-route, reasonably incurred, forming part of the treatment for any illness contracted or injury sustained.
Repatriation of remains
Coverage for the costs incurred to transport the remains of the deceased insured back to the country of residence or, up to an equivalent amount, for a local burial or cremation in the country where the death has occurred, subject to the sum insured.
Automatic extension of policy
Get an automatic policy extension for up to seven days from the expiry date if there is a delay caused by the Scheduled Common Carrier that is beyond the control of the insured
Assistance services
Avail assistance services for pre-trip medical assistance, overseas assistance on trip rescheduling, foreign exchange etc.
Why should you buy Zuno group overseas travel insurance?
Zuno group overseas travel insurance provides you and your group with medical coverage and more, allowing you to enjoy hassle-free travel across the world. When you buy a policy from Zuno, you can be rest assured of round-the-clock support from a company that understands your unique travel insurance requirements.
Zuno overseas travel insurance – eligibility and other important points
Age applicability
The entry age for this policy is from 5 years to 45 years. This benefit is available to the insured persons under family floater also, for a child from the date of birth up to 25 years, and dependent siblings up to 25 years.
Policy tenure
The policy will be issued for a period from 30 days to 1 year.
Wide range of sum insured
Amounts offered are a minimum of USD 20,000 and maximum of USD 500,000.
Zuno group overseas travel insurance – optional Covers
Accidental death and dismemberment benefit
The nominee or legal heir of the insured gets 100% of the sum insured against this benefit in case the insured meets with death/loss arising out of and consequent upon an injury encountered during an insured journey.
Pre-existing diseases
Pre-existing conditions are covered in case of any life-threatening condition of the insured during the policy term.
Outpatient treatment
You can opt for outpatient treatment as per sum insured options available.
Checked baggage loss benefit
You can opt for a fixed benefit amount in case of loss of checked baggage during travel.
What is covered in Zuno Group Overseas Travel Insurance?
Accident- and sickness-related hospitalisations
Emergency medical evacuation to the nearest hospital
Repatriation of the remains of an insured individual
Automatic seven-day extension from the end of the policy tenure if the scheduled carrier causes a delay
Over 20 additional covers to customise your plan
Assistance services, including pre-trip medical assistance.
What is covered in Zuno Group Overseas Travel Insurance?
Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences thereof
Expenses for treatments directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent
Any claim arising from intentional self-injury, suicide or attempted suicide, or intoxication by liquor or drug
Any non-declared pre-existing condition or any complication arising out of it
Why buy from us?
Zuno – with you every step of the way
Timely assistance
Get in touch with us 24x7 on our toll-free number 1800 12000.
Paperless process
Go green and paper-free with our 100% online policy issuance.
Hassle-free claim settlements
Zuno settles claims as quickly as possible with minimal paperwork
We Won’t Play The Claim Game
Call us on 1800 12000 or 022 423 12000 or e-mail us at support@hizuno.com to let us know the details of your group overseas travel insurance policy claim.
We’ll work on your claim and either transfer the money to you if you’ve already made a payment, or directly pay the hospital if you’ve gone cashless
Of course, if you still need us to answer any queries, you can get in touch with us at support@hizuno.com and we’ll reply soon.
Making sense of common insurance jargon
Out-patient expenses
Out-patient expenses gives coverage for Diagnostic tests, Vaccinations, Pharmacy, Consultations with a Medical Practitioner, physiotherapist and speech therapist, Plaster cast and crutches and Minor OT charges
Emergency evacuation
Coverage that provides medical evacuation of a policyholder to a medical facility of their own country
Funeral expenses
Expenses on the funeral, cremation/ burial and transportation of the body to the place of the funeral ceremony for the insured person.
Loss of Luggage
Secondary coverage that is paid when a policyholder’s checked luggage is permanently lost.
Other important points of Zuno Group Overseas Travel Insurnace
It can be for leisure, business or any event
The family includes self, spouse, dependent children and dependent parents/parents-in-law and siblings or any such other persons having insurable interest, who are specifically mentioned in the schedule to this policy.
Individual and floater plan type options available
FAQ
Who can get coverage under a group overseas travel insurance?
Any member of the group and their dependents, including their spouse, parents, parents-in-law, nieces, nephews, aunties, uncles, grandparents, children and other relations who have an insurable interest can get coverage.
Is there any deductible applicable for the Accident & Sickness Medical Expense Benefit?
Yes, policyholders must pay a deductible of $100 on every claim.
Is the policy renewable?
Yes, you can renew your policy at the end of the term unless the insurer finds proof of fraud, misrepresentation of information or non-cooperation by the insured.