Star Domestic Travel Insurance Policy
Protect your domestic travel plans with comprehensive insurance coverage from Star Health and Allied Insurance. Choose from Silver, Gold, and Platinum plans that offer financial protection against accidents, medical emergencies, travel delays, and more while traveling within India by air, rail, or road.
Key Features
- Coverage available for Single Trip, Round Trip, and Multi-Trip options with different modes of transport.
- Financial protection in case of accidental death, permanent disability, and hospitalization due to accidents during travel.
- Coverage for emergency medical expenses, including sudden heart attack and stroke during travel.
- Benefits such as compassionate visit, child education fund, trip cancellation, and missed departure protection.
- Specific coverage for checked-in baggage delay, trip curtailment, flight or rail delays, and cancellation by the carrier.
- Coverage extends to adventure sports under certain plans.
- Cashless hospitalization facility at network hospitals and hassle-free claims process.
What the Policy Covers
- Accidental Death & Disability: Compensation on death or permanent total/partial disablement due to an accident during travel.
- Accidental Hospitalization: Medical expenses incurred for inpatient or daycare treatment due to accidental injuries.
- Emergency Hospitalization for Specific Illness: Medical expenses for sudden heart attack or stroke during the journey.
- Child Education Fund: Financial support for education of dependent children in case of accidental death or disability of the insured.
- Emergency Medical Assistance & Evacuation: Services including ambulance transport and emergency medical care.
- Compassionate Visit: Travel expenses for a family member to visit the insured during hospitalization.
- Repatriation of Mortal Remains: Coverage for transportation of the deceased’s remains to the insured’s place of residence.
- Personal Liability: Legal liability coverage for bodily injury or property damage caused to others during the trip.
- Trip Cancellation and Curtailment: Protection against loss due to trip cancellation or early return due to covered reasons.
- Missed Departure & Flight/Rail Delay: Expenses reimbursed for missed connections or delays beyond six hours.
- Baggage Loss and Delay: Compensation for lost checked-in baggage and delayed baggage arrival.
- Convalescence Benefit: Lump sum paid if hospitalized for more than 5 consecutive days.
- Adventure Sports Coverage: Accidental death and disability coverage during non-professional adventure sports under supervision.
Plan Variants and Benefits
| Benefit | Silver Plan | Gold Plan | Platinum Plan |
|---|---|---|---|
| Accidental Death | Yes | Yes | Yes |
| Permanent Total Disablement | Yes | Yes | Yes |
| Permanent Partial Disablement | Yes | Yes | Yes |
| Accidental Hospitalization | Yes | Yes | Yes |
| Emergency Hospitalization (Heart Attack/Stroke) | Yes | Yes | Yes |
| Child Education Fund | Yes | Yes | Yes |
| Compassionate Visit | Yes | Yes | Yes |
| Emergency Medical Evacuation | No | Yes | Yes |
| Repatriation of Mortal Remains | No | Yes | Yes |
| Personal Liability | No | Yes | Yes |
| Trip Cancellation & Curtailment | No | Yes | Yes |
| Flight/Rail Delay | No | No | Yes |
| Checked-in Baggage Delay | Yes (Air) | Yes (Air) | Yes (Air) |
| Adventure Sports Coverage | No | Yes | Yes |
General Terms and Exclusions
- Pre-existing conditions are not covered.
- Coverage applies only within India.
- Policy does not cover claims related to intentional self-injury, intoxication, or participation in illegal acts.
- Certain exclusions apply for hazardous activities and professional sports.
- Waiting period is not applicable.
- The policy is non-renewable.
Waiting Periods
- Cashless claims at network hospitals with pre-authorization.
- Reimbursement claims by submitting required documents within specified timeframes.
- Notification of claims must be done promptly as per policy terms.
- Dedicated customer service and 24-hour helpline support available for assistance.