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Star Corporate Travel Protect Insurance Policy
IRDAI UIN: IRDA/NL-HLT/SHAI/P-T/V.I/143/13-14
HIGHLIGHTS
Plan Essentials
Corporate Travel Cover
This policy provides cover for incurred expenses due to any medical emergencies and travel inconveniences during your travel or stay abroad.
For Frequent Traveller
Special policy designed for corporate employees who frequently travel for business purposes.
Sum Insured
This policy provides three Sum Insured options. They are USD 100,000, USD 250,000 and USD 500,000.
Emergency Medical Expenses Cover
This policy indemnifies the expenses incurred for medical emergencies during the insured person’s stay abroad.
Detailed List
Understand what’s included
IMPORTANT HIGHLIGHTS
Pre-Insurance Medical Screening
This policy doesn’t require pre-insurance medical screening. However, those who are above 65 years of age and those who have adverse medical history are required to submit ECG, fasting & postprandial blood sugar test, cholesterol profile and urine strip test plan report.
Entry Age
Any person residing in India aged between 6 months and 70 years traveling outside India on holiday or business trip can avail this policy.
Plan Options
This policy provides cover for worldwide travel including USA and Canada.
Trip Band
This policy provides cover under two trip band options - 30 days and 45 days band.
Emergency Medical Evacuation
This policy provides cover for emergency medical evacuation of the insured person on the advice of the medical practitioner. It also covers associated transportation and medical treatment expenses.
Cover for Trip Extension
If the insured person is travelling outside India on the last day of the policy, then the policy will automatically extend until the completion of the trip or the insured person’s return to India within the band of 30 or 45 days from the policy’s expiry date.
Dental Emergency Cover
This policy provides cover for expenses incurred on acute anesthetic treatment to treat dental problems arising out of injury during the trip up to the limits mentioned in the policy clause.
Cover for Travel Inconveniences
This policy covers the loss incurred due to Travel inconveniences such as Flight Delay, Trip Cancellation, Loss of Passport, Loss or Delay of Checked-in Baggage, Missed Flight/Connection and Hijack Distress.
Loss of Passport
If an insured person loses his/her passport during the trip, then the company will cover the expenses incurred in obtaining a new passport or valid travel documents to return to the home country.
Hijack Distress
If the common carrier in which the insured person is travelling is hijacked and the trip gets interrupted or disrupted for more than 12 hours, then the company will pay the Indian rupees equivalent for each day of delay as per the specified limits.
Delay of Checked-In Baggage
If the checked-in baggage of the insured person is getting delayed for more than 12 hours during the trip, then the company will pay the compensation for the delay up to the limits mentioned in the policy schedule.
Cover for the Loss of Checked-In Baggage
If the checked-in baggage (property of the insured person) gets lost by an Airline or Carrier, then the Company will indemnify the loss incurred by the insured person up to the limits mentioned in the policy schedule.
Flight Delay
If the insured person’s flight gets delayed for more than six hours, then the company will indemnify the expenses incurred for additional accommodation, travel and other reasonable expenses up to the specified limits.
Trip Cancellation/Interruption
If the insured person’s trip gets canceled due to accidental bodily injuries or death either of the insured person or his/her family member, then the company will indemnify the insured or his/her legal representatives up to the specified amount.
Missed Departure/Connection
If the insured person misses the pre-booked departure or connection flight due to the specified reasons, then the company will indemnify the expenses incurred on reasonable additional accommodation and travel.
Personal Liability Cover
If the insured person is either legally liable for illness/injury (fatal or non-fatal) to any person, or damage to property during the period of insurance, then the Insurance Company will indemnify the insured person against all sums which he/she becomes legally liable to pay.
Personal Accident Cover
In case of death or disablement of the insured person due to accident, then the company will provide a lump sum to the insured person or his/her legal representatives up to the specified limits.
Transportation of Mortal Remains
In case of the death of the insured person abroad, this policy covers the transportation of mortal remains of the insured person or compensates the equivalent amount for a local burial or cremation in the country where the death occurred.
Cover for Substitute Employee
In case the insured employee falls sick or injured, this policy provides cover for any travel expenses incurred in sending one substitute employee in place of the insured person.
Deductibles
This policy is subject to deductibles. It means the amount up to which the company will not be liable to pay for each and every claim.
Star Health and Allied Insurance Company Limited (Claims Deparment)
C/O Falck India Pvt Ltd
Upper Floor, The Peach Tree, Block – C, Sushantlok-I,
Sector 43, Gurgaon, Haryana-122015 (India)
From USA and Canada:+18009131644 (Toll Free)
From Rest of the World:+91 124 4498759(Call back facility)
E-mail:starhealth@falck.com
Website:http://www.falck.com
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2 hours and 92% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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Star Corporate Travel Protect Insurance Policy: Ensuring Employee Safety
Corporate travel insurance is an important aspect for any business that sends its employees on business trips. Such policies ensure that the employees are protected against unforeseen circumstances like the need for medical attention, missed/delayed flights, or lost luggage.
It allows them to concentrate on their assignments and remain free of worries about any risks that they might incur. In this regard, a trusted provider like Star Health guarantees that your team is well looked after.
Our Star Corporate Travel Protect Insurance policy offers comprehensive coverage, 24/7 Assistance and Claims support abroad, Personal Li Liability coverage, Emergency Medical Expense coverage following a sickness or accident, Medical Evacuation and much more at the most affordable rates!
Why Do You Need Corporate Travel Insurance?
As companies expand into international markets, corporate travel becomes a necessity. However, business travel comes with its share of risks. This is where corporate travel insurance steps in to safeguard your employees from unforeseen challenges.
May it is any medical issues, an accident, a flight miss/delay, a loss or delay of baggage, a loss of essential travel documents, a replacement of an injured or sick colleague or any other setback, employees can get financial coverage with the least hassles.
Moreover, even in cases of permanent disability or loss of life due to an accident, our corporate business travel insurance provides essential coverage. So, whether you are sending your team to Dubai or they are embarking on a journey to Silicon Valley, keep them covered from all possible mishaps with Star Corporate Travel Protect Insurance.
Wondering about our corporate travel insurance quotes? Connect now and find out!
Star Corporate Travel Protect Insurance Policy: Overview
Designed with frequent business travellers in mind, our corporate travel insurance for employees ensures comprehensive protection, covering a plethora of medical emergencies and travel inconveniences. It is important to note that this policy has coverage for 365 days from the date of issuance, and covers any number of trips that the employee makes during this 1-year period. We offer Worldwide Coverage, including the USA and Canada, with flexible plan options for 30- or 45-day trips.
What’s more, if the insured individual is still outside India on the policy renewal date, we provide an automatic 30 to 45-day extension till the person returns to the country. Additionally, with three sum insured options—USD 100,000, USD 250,000, and USD 500,000 for Emergency Accident & Sickness medical coverage -our corporate group travel insurance is tailored to meet all your business travel needs.
So, whether it’s emergency medical expenses, flight delays, or any unforeseen events, the Star Corporate Travel Protect Insurance plan protects your employees every step of the way.
Get your customised corporate travel insurance quote today!
What’s Included in Our Corporate Travel Insurance Policy?
When you purchase the Star Corporate Travel Protect Insurance plan, it offers the following:
Medical Coverage
- No Pre-Insurance Medical Screening: No medical tests are needed for individuals up to the age of 70 years. Those with an adverse medical history or severe pre-existing medical conditions may be required to submit additional specific reports for prior approval.
- Emergency Medical Expenses: Provides coverage for all types of medical emergencies during your trip, except declared/undeclared pre-existing medical conditions, which are excluded.
- Emergency Medical Evacuation: Covers evacuation costs to a better medical facility or return to India on medical advice of the attending physician, including associated transportation and treatment expenses.
- Repatriation of Mortal Remains: In case of the unfortunate demise of the insured traveller, the cost of transportation of mortal remains back to India, or coverage of burial expenses abroad, is covered.
Travel Inconveniences
- Flight Delays: Get compensated if your flight is delayed for over 6 hours.
- Missed Departure/Connection: Reimbursement for accommodation and additional travel expenses in case the insured misses their flight due to covered reasons.
- Baggage Loss or Delay: Compensation for lost or delayed checked-in baggage in the custody of the Airline/Carrier (in case of more than 12 hours).
- Loss of Passport: Covers expenses for reissuing your passport or travel documents.
- Hijack Distress: Daily compensation if the carrier is hijacked for over 12 hours.
Additional Benefits
- Personal Liability: Covers legal liabilities for injury to a person or damage to property during the trip.
- Personal Accident: Provides lump-sum coverage for accidental death or disablement.
- Substitute Employee Cover: Covers the travel expenses of a replacement employee.
- Cover for Dental Emergencies: Offers coverage for dental issues that occur due to an injury during the trip and require acute anaesthetic treatment.
Deductibles
The insured individual needs to pay a specific amount before the Star Corporate Travel Protect Insurance plan starts providing coverage. Please read the policy documents to know the exact amount.
Searching for a corporate travel insurance policy online? Look no further than Star Health!
How is Star Health Different?
When it comes to protecting your employees during business travel, the Star Corporate Travel Protect Insurance plan stands out as a trusted partner. Our corporate travel insurance policies are designed to ensure seamless travel experiences with unmatched benefits and comprehensive support. Here’s why businesses choose us:
1.24/7 Customer Service
Star Health has tied up with the leading International Assistance and Claims TPA, Falck India, whose customer service team is available round-the-clock to assist with emergency hospitalisation, claim intimations, telehealth services, and any assistance that you may have while abroad.
Award-Winning Service
We have been recognised for our innovative products, rapid claim settlement, and exceptional customer support. Our awards reflect our dedication to providing the best insurance solutions for businesses.
By choosing our corporate travel insurance plan, you ensure peace of mind for your employees and minimise travel risks by ensuring they have adequate financial coverage and access to quality treatment whenever needed.
Secure your business trips with the Star Corporate Travel Protect Insurance policy today!
