The benefits included in our travel insurance policy for China ensure that you can enjoy a financially secure trip. They include the following.
Trip cancellation due to COVID-19
Our medical travel insurance covers the cancellation of your trip if you test positive for COVID-19, if you have to quarantine, or if there are other pandemic-related travel restrictions. You can cancel your trip with peace of mind, knowing that you are covered for any financial losses.
Compassionate visits
If you are hospitalised due to an illness or accident-related injury, our policy covers the cost of bringing a relative from India to China for emotional support and logistics. This coverage provides much-needed emotional support during a difficult time and helps ensure that you have the care and attention you need.
Replacement of lost passport
Losing your passport while travelling can be a stressful experience, especially if you are in a foreign country. However, if you happen to misplace your passport while in China, our policy has you covered. We understand the inconvenience and potential expenses involved in obtaining a replacement, which is why we provide coverage for all costs associated with the process.
Cancellation and rescheduling of travel
Our policy is designed to provide peace of mind to passengers who may experience flight cancellations, rescheduling, missed connections, and flight delays. In such cases, we offer fixed monetary compensation that can help alleviate any additional costs or inconveniences caused by these events. Our compensation amount is predetermined and will be provided to you regardless of the cause of the delay or cancellation.
Loss and delay of luggage
In case your luggage is lost or delayed during your trip, our policy offers a fixed compensation amount to cover the costs of necessary items you may require. We understand the inconvenience and are here to help.
Injuries related to adventure sports
Travelling abroad is about fun, including adventure sports. They're exciting, but come with risks. Our policy covers medical costs for any injuries incurred during these activities, so you can enjoy them without financial worry.
Personal liability coverage
Our policy provides financial compensation and takes care of legal costs if you are found liable for an incident resulting in injury, death, or property damage to a third party.
Expenses for medical care
Our medical travel insurance for China covers hospitalisation, ambulance fees, and other medical expenses up to a policy specified limit. This ensures that you don't have to worry about the high cost of medical treatment in a foreign country.
Repatriation of mortal remains
In the event of your untimely demise during your trip, our policy ensures that the costs of repatriating your mortal remains back to your hometown are fully covered, providing peace of mind for you and your loved ones.
Our objective is to ensure that you fully comprehend the coverage provided by our insurance policy. To assist you with this, we have created a catalogue of situations that are not covered by our insurance.
Travel exclusions
Regrettably, we do not provide coverage in the following circ*mstances.
Travelling without a valid visa.
Travelling to China for medical treatment.
Travelling despite being medically unfit to do so.
Ignoring your doctor's advice against travelling.
Legal exclusions
To qualify for coverage under our policy, it is crucial to avoid the following.
Self-harm or attempted suicide.
Engaging in activities while under the influence of drugs or alcohol.
Being held responsible for a criminal act.
Taking part in dangerous activities such as mining, tunnelling, aerial photography, and similar work.
Medical exclusions
Although our policy covers various medical expenses, the following medical costs are not covered.
A pre-existing medical condition that deteriorates during your stay in China.
Acquiring a letter from a family member certifying your disability.
Medical bills resulting from pregnancy.
Note: The information presented above is not exhaustive. For more precise and comprehensive details, we recommend referring to the relevant policy wordings.
