Smart Travel

Terms & Conditions

I declare that the information provided in this application is correct. The insured is currently in India and is a resident of India holding a valid Indian passport/Indian work or residence permit. The applicant is above 18 years of age.

I understand that, Notwithstanding any other terms under this agreement, no insurer shall be deemed to provide coverage or will make any payments or provide any service or benefit to any insured or other party to the extent that such cover, payment, service, benefit and/or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation.

I/ We further declare that I/We are not travelling abroad for obtaining medical treatment or against the advice of a medical practitioner or I/We are waitlisted for any kind of medical treatment abroad or have received a terminal prognosis for a medical condition or against any government advisory.

I/ We further declare that I/We are have a non-immigrant visa.

I/ We further declare that I/We are not a Professional / Semi Professional sports person.

I/ We further declare that I/We are not engaging in any kind of Adventure sports activities during trip.

I/ We further declare that any of the travelling members is pregnant having foetal gestational age up to 9 weeks or more than 6 months.

I/ We further declare that Pre-existing diseases declared on behalf of any insured person is not related to Brain and Neurological conditions (Stroke, Acute paralysis, Multiple sclerosis), Major organ failure (Heart / Liver / Kidney / Lung), Chronic Obstructive Pulmonary Disease (COPD) / Progressive Lung Disease, Blood disorder (Hemophilia, Thalassemia, any anaemia other than iron deficiency anaemia), Cardiac Ailments, Chronic Liver disease, Crohns disease, Ulcerative colitis, Cirrhosis of Liver, Chronic Kidney Ailments, Insulin Dependent Diabetes or suffering from cancer(Any type of Cancer or malignant tumour of any kind). In the event of mis-representation of facts, I understand that the policy shall be voidable and Insurer shall cancel the policy and premium shall be forfeited.

I further more understand that declared pre-existing conditions shall be covered up to 10% of Medical Expenses - Accident and Illness Sum Insured or USD/Euro 10000 per policy whichever is lower in case of life-threatening medical condition.

I hereby declare, on my behalf and on behalf of all persons proposed to be insured, that the above statements, answers and/or particulars given by me are true and complete in all respects to the best of my knowledge and that I am authorized to propose on behalf of these other persons.

I understand that the information provided by me will form the basis of the insurance policy, is subject to the Board approved underwriting policy of the insurer and that the policy will come into force only after full payment of the premium chargeable.

I further declare that I will notify in writing any change occurring in the occupation or general health of the life to be insured/proposer after the proposal has been submitted but before communication of the risk acceptance by the company.

I declare that I consent to the company seeking medical information from any doctor or hospital who/which at any time has attended on the person to be insured/proposer or from any past or present employer concerning anything which affects the physical or mental health of the person to be insured/proposer and seeking information from any insurer to whom an application for insurance on the person to be insured /proposer has been made for the purpose of underwriting the proposal and/or claim settlement.

I authorize the company to share information pertaining to my proposal including the medical records of the insured/proposer for the sole purpose of underwriting the proposal and/or claims settlement and with any Governmental and/or Regulatory authority.

I would like to protect and contribute in conserving the environment and help save paper by authorizing Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited) to send all my policy and service related communication in soft copy to the email id as mentioned in the application form.

I/we hereby give my/our consent to the Company to verify and obtain my/our identity/address proof through Central KYC Registry or Goods and Service Tax Portal or Ministry Of Corporate Affairs Portal or National Securities Depository Limited portal for the purpose of undertaking KYC.

I/We hereby agree for sharing my/our medical records with the Insurer/ TPA through ABHA number mentioned in the proposal form. (Applicable for cases wherein ABHA number is available)

AML guidelines:

• 1. I / We hereby confirm that all premiums have been/will be paid from bonafide sources and no premiums have been /will be paid out of proceeds of crime related to any of the offence listed in Prevention of Money Laundering Act,2002. I / We understand that the Company has the right to call for document to establish sources of funds. The Insurance Company has right to cancel the insurance contract in case I am/have been found guilty by any competent court of law under any of the statutes, directly or indirectly governing the prevention of money laundering in India.
• 2. Politically Exposed Persons” (PEPs) are individuals who have been entrusted with prominent public functions by a foreign country, including the heads of States or Governments, senior politicians, senior government or judicial or military officers, senior executives of state-owned corporations and important political party officials.

64VB:

Commencement of risk cover under the policy is subject to receipt of premium by Zurich Kotak General Insurance Company (India) Limited (Formerly known as Kotak Mahindra General Insurance Company Limited)

General Exclusions:
We shall not liable for any loss resulting in whole or in part from, or expenses incurred, directly or indirectly in respect of:

• 1. Any claim relating to events occurring before the commencement of the Trip covered hereunder and any time after the completion of the Trip at any port at the Country of Residence of the Insured mentioned hereunder (except Visa Denial Insurance Cover if specifically opted for)
• 2. A claim which is fraudulent in any respect, or if any false declaration has been made or used in support thereof or if any fraudulent means or devices are used by the Insured or any one acting on his behalf to obtain any benefit under the Policy or if the loss or damage is occasioned by the wilful act, or with the connivance of the Insured.
• 3. Where the Insured Person is travelling against the advice of a Physician; or receiving or on a waiting list for receiving specified medical treatment; or is travelling for the purpose of obtaining medical treatment; or has received a terminal prognosis for a medical condition.
• 4. Any Pre-existing Condition or any complication arising from it unless specifically covered in the Policy.
• 5. Congenital anomalies or any complications or conditions arising therefrom.
• 6. Any claim relating to Adventure Sports or Hazardous Activities, unless specifically covered in the Policy.
• 7. Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness, or sexually transmitted conditions other than HIV/ AIDS.
• 8. Serving in any branch of the Military or Armed Forces of any country, whether in peace or War, and in such an event We, upon written notification by You, shall return the pro rata premium for any such period of service during the Trip.
• 9. Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed.
• 10. Pregnancy and all related conditions, including services and supplies related to the diagnosis or treatment of infertility or other problems related to inability to conceive a child; birth control, including surgical procedures and devices; This however does not include ectopic pregnancy proved by diagnostic means and is certified to be life threatening by the Physician.
• 11. Participation in an actual or attempted felony, riot, crime, misdemeanour, or civil commotion.
• 12. Operating or learning to operate any aircraft, or performing duties as a member of the crew on any aircraft or Scheduled Airline.
• 13. Any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power.
• 14. Any loss arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Act of Terrorism.
• 15. The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction or radiation or radioactive contamination; The dispersal or application of pathogenic or poisonous biological or chemical materials; The release of pathogenic or poisonous biological or chemical materials. (However, the above only applies if 50 or more persons sustain death within 90 Days of the date of the incident).
• 16. The radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of that equipment.
• 17. Performance of manual work for employment or any other potentially dangerous occupation.
• 18. If the Insured hereunder is traveling under an immigrant visa, claims in relation to contingencies occurring after the expiry of 90 days from the date of commencement of cover notwithstanding the fact that the Period of Insurance exceeds 90 days.
• 19. Payment of compensation in respect of Illness/ Injury arising or resulting from the Insured committing any breach of law with a criminal intent.
• 20. Any consequential losses
• 21. Any Policy which is bought after the Insured Person has left the Country of Residence.
• 22. Insured Person is engaged in any travel unless he is travelling as fare paying passenger
• 23. Travel by any Insured Person against whom general or special travel restrictions have been imposed.
• 24. Any physical, medical condition or treatment that is specifically excluded in the Policy Schedule under Important Conditions
• 25. Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sports persons, unless declared beforehand and agreed by the Company subject to additional premium being paid and incorporated accordingly in the Policy Schedule.

For complete list of detailed exclusion, please refer Policy Wordings

I have read and understood the policy wordings

Zurich Kotak General Insurance Company (India) Limited

Smart Travel
Zurich Kotak General Insurance Company (India) Limited. CIN: U66000MH2014PLC260291; IRDAI Reg. No. 152; Registered Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai- 400063. Maharashtra, India.Toll Free: 1800 266 4545,Email: care@zurichkotak.com Corporate Office: 401, 4th Floor, Silver Metropolis, Jai Coach Compound, Off Western Express Highway, Goregaon (East), Mumbai- 400063. Maharashtra, India.Toll Free: 1800 266 4545, Email: care@zurichkotak.com

UIN -ZUKTIOP24156V022324