Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 1 of 13

Terms and Conditions

This is a summary of the key terms under the Group Travel Insurance Policy (“Policy”) offered by Acko

General Insurance Limited (“Acko”) to IBIBO Group Private Limited (“Ibibo”)subject to the receipt of

premium in full in respect of the Insured Persons and the terms, conditions and exclusions of underlying

Policy. The insurance cover under the Policy will be applicable only to the registered customers of

Goibibo.

1. Key Benefits

Key benefits available under the Policy for Goibibo customers as specified in the Certificate of Insurance:

Name Of Benefit

Sum Insured

Per Person

Deductibles

Benefit Type

Additional Conditions

Accidental Death

Benefit

$15,000

Fixed

Common Sum Insured for

Accidental Death, Permanent

Total Disability and Permanent

Partial Disability.

Covered in case of Accident

only.

Permanent Total

Disability

Permanent Partial

Disability

OPD Treatment

(Dental Cover)

Up to

$250,000

$100

Indemnity

Any Pre-Existing Disease is not

covered (whether declared or

not).

There is a Sub-limit of $300 for

Dental Cover.

- Dental Treatment Expenses

will be provided only in

respect of acute anaesthetic

treatment of a natural tooth

or teeth up.

- No deductible is applicable

for Dental treatment

Expenses.

Common Sum insured with

Medical Expenses

Reimbursement, Repatriation

of Moral remains and

Evacuation (Medical &

Catastrophe)

Medical Expenses

Reimbursement

Up to

$250,000

$100

Indemnity

Common Sum insured for

Medical Expenses

Reimbursement, Evacuation

(Medical & Catastrophe),

Repatriation of Mortal Remains

and OPD Treatment

Any Pre-Existing Disease is not

covered (whether declared or

not).

Evacuation (Medical

& Catastrophe)

Indemnity

Repatriation of Mortal

Remains

Indemnity

Trip Cancellation &

Interruption

Up to $500

$100

Indemnity

Trip Cancellation or curtailment

due to Natural Calamities,

Hospitalization of minimum 48

hours /Death of the Insured

Person.

Common Sum insured for Trip

Cancellation & Interruption and

Trip Curtailment

Indemnity

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 2 of 13

Name Of Benefit

Sum Insured

Per Person

Deductibles

Benefit Type

Additional Conditions

Delay of Checked-in

Baggage

Up to $100

12 Hours

Indemnity

This Benefit will be payable for

the delay beyond 12 hours

Total Loss of

Checked-in Baggage

Up to $500

Indemnity

This benefit will be payable

only if the common carrier

service provider confirms the

total loss of the checked-in

baggage.

FIR is required.

Loss of Passport

Up to $250

$25

Indemnity

Cover cost for obtaining a

duplicate or new passport

Personal Legal

Liability

Up to

$200,000

$100

Indemnity

This coverage will indemnify

the cost of actual legal liability

(including defence costs)

against the damages for

negligence which results from a

third-party civil claim made for

third party death, bodily injury

or property damage

Pre-Existing Disease

(In cases of life-

threatening medical

condition)

15% of sum

insured max

up to $25,000

Indemnity

This benefit is payable in a Life-

Threatening Condition only for

any sudden, unexpected or

unforeseen development which

is attributable to a Pre-Existing

Disease.

Claim will be payable under the

benefit Medical Expenses

Reimbursement

Special Conditions:

1. The policy is valid only for the customers holding Valid Indian Passport & Indian Bank Account.

2. Extension/ Endorsement of Policy is allowed only before the trip end date and time.

3. Insurance cover under the Policy will start only on receipt of premium by Us in full.

4. For Single Trip One-way policies, the coverage will be applicable for maximum of 5 days.

5. The Coverage under the policy starts when the Insured Person boards the Booked Flight except

for the benefit of Trip Cancellation & Interruption where the coverage starts from the time of

booking.

6. Trip Cancellation & Interruption benefit is payable for minimum hospitalization of 48 hours within

10 days from the scheduled departure of the Booked Flight (not applicable for accidental claims).

Key Exclusions:

1. Any Pre-existing condition / ailments will be excluded from the policy whether declared or not

unless it is a case of life-threatening medical condition.

2. Treatment abroad if that is the sole reason or one of the reasons for the Insured/Insured Person's

temporary stay abroad.

3. Any claim if the Insured Person – Is travelling against the advice of a Medical Practitioner; Is

receiving, or is on a waiting list to receive, specified medical treatment

declared in the Medical Practitioner's report or certificate; Has received terminal prognosis for a

medical condition; Is taking part in a naval, military or air force operation.

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 3 of 13

2. Claim & Documents:

The Goibibo Customer can file a claim for any of these coverages on the Acko Website. Alternatively,

he/she can reach Acko at the Contact number(s) provided below for registration of claim:

Acko: + 91-80-37894443 / + 91- 80-68370001 Email id: acko@allianz.com

Any claim made by the customer will be validate with Goibibo or its service partner to confirm the

incidence.

Claims process for Goibibo Customer on Acko Website:

● Go to www.acko.com and Login with your mobile number registered on Goibibo and enter the

OTP you receive.

● Under the ‘Claims’ section, select ‘Goibibo Claims’ which opens your ‘My Account’ page

● Select the trip for which you want to claim insurance, which will take you to the policy detail

page. Click on Initiate Claim to claim.

● Select the type of claim, follow the next few steps, and your claim will be registered with Acko.

The Insured needs to submit following documents in case of a claim:

Name of the Benefit

Claim Documents

Common Documents

• Our duly filled and signed Claim Form

• Name and address of the Insured Person in respect of whom

the claim is being made

• Copies of valid KYC documents of the Nominee/claimant, any

other regulatory requirements, as amended from time to time

• Passport and Visa copy with Entry Stamp Overseas and exit

Stamp from India (if travel outside India)

• Original Travel Ticket / Boarding passes or copy of passport

with visa entry and exit stamp (wherever applicable)

• NEFT form and Cancelled cheque stating insured’s / Claimant

Indian Bank account details (wherever applicable)

Accidental Death Benefit

• Copy of FIR (First Information Report)/Spot

Panchnama/Inquest Panchnama-where applicable attested by

issuing authorities.

• Death Certificate attested by issuing/ appropriate authority.

• Post Mortem Report where applicable- attested by issuing

authorities.

• Original legal heir certificate (in case nomination has not been

filed by deceased)

• Copy of cancelled passport

• Copy of the death certificate, Clearance from the Indian

Consulate. (Also providing details of the place, date, time, and

the circumstances and cause of death)

Permanent Total Disability

• Written intimation of the claim

• Investigation reports attested by Appropriate/issuing authorities

• Photograph of the injured with reflecting disablement

• FIR / MLC Copy (if MLC is done)/ Spot Panchnama-where

applicable- Attested by issuing authority

• Disability Certificate from appropriate Government Authority

Medical Certificate from treating Doctor attested by issuing

authority

Permanent Partial Disability

• Photograph of the injured with reflecting disablement

• FIR / MLC Copy (if MLC is done) / Spot Panchnama-where

applicable- Attested by issuing authority

• Disability Certificate from appropriate Government Authority

Medical Certificate from treating Doctor stating the degree of

disability/"complete rest"

• Leave certificate from the employer

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 4 of 13

Name of the Benefit

Claim Documents

• Medical reports, case histories, investigation reports, treatment

papers as applicable

Medical Expenses Reimbursement

• Medical Records (Presenting complain, diagnosis, treatment

given, discharge condition etc.)

• All the test reports

• Discharge Summary

• Prescription from the doctor

• Name, address, contact no, fax no, e-mail id of the Local

Medical Officer (LMO)/ Family physician in India

• Invoices (itemized) and Money receipts in original for the

amount claimed

Hospital Daily Allowance

• Copy of the Discharge Summary

• Copy of First Information Report (FIR) /Medico-Legal certificate

(MLC)(if MLC is done)-where applicable- Attested by issuing

authority

• Bill / invoice and payment receipts

Evacuation (Medical & Catastrophe)

• Medical Records (Presenting complain, diagnosis, treatment

given, discharge summary etc.)

• All the test reports

• Investigation reports attested by Appropriate/issuing authorities

• FIR / MLC Copy (if MLC is done) / Spot Panchnama-where

applicable- Attested by issuing authority

• Treating Doctor’s consultation indicating need

• Original invoice and payment receipt

Repatriation of Mortal Remains

• Copy of FIR (First Information Report)/Spot

Panchnama/Inquest Panchnama-where applicable attested by

issuing authorities.

• Death Certificate attested by issuing/ appropriate authority.

• Post Mortem Report where applicable- attested by issuing

authorities.

• Original legal heir certificate (in case nomination has not been

filed by deceased)

• Copy of cancelled passport

• The receipt for expenses incurred towards preparation and

packaging of the moral remains of the deceased and also for

the transportation of the moral remains of the deceased

OPD Treatment

• Medical Records (Presenting complain, diagnosis, treatment

given, discharge condition etc.)

• All the test reports

• Invoices (itemized) and Money receipts in original for the

amount claimed

Trip Cancellation & Interruption/Trip

Curtailment

• Proof of death or hospitalizing of insured person or of spouse,

parents & children. (if applicable)

• Medical reports and doctors’ statement that the trip is cancelled

or interrupted due to medical reasons. (if applicable)

• Letter from the airlines clearly mentioning the reason of

cancelling and interruption of flight (if applicable)

• Policy Copy (if applicable)

• Copy of new itinerary in case trip got reschedule along with

boarding passes

• Copies of reimbursement statements issued by the common

carrier

• All original bills and receipts for expenses which got forfeited,

non-refundable in nature

Delay of Checked-in Baggage

• Copies of correspondence with the Airline authorities/others

certifying the delay & actual date and time of delivery of

baggage

• PIR report (Property Irregularity Report) (to be obtained from

the airline authorities)

• Money receipts in original towards purchase of toiletries,

clothing and medication during the delay period

Total Loss of Checked-in Baggage

• Letter from the Airline clearly accepting the total loss with

compensation details

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 5 of 13

Name of the Benefit

Claim Documents

• PIR report (Property Irregularity Report) (to be obtained from

the airline authorities).

• Proof of items values (if required)

Personal Legal Liability

• FIR/Police Report- Sequence of the events leading to Personal

Liability

• Copy of the court award- Notice from the Third party claiming

the amount

Pre-Existing Disease (In case of life-

threatening medical condition)

• Medical Records (Presenting complain, diagnosis, treatment

given, discharge condition etc.)

• All the test reports

• Discharge Summary

• Prescription from the doctor

Note: Depending upon the peculiarity of the case, additional documents/information will be asked for

3. Definitions

A. Accidental Death Benefit

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that

Injury solely and directly results in the Insured Person’s death within 365 days from the date of the

Accident, We will pay the amount specified in the Policy Schedule / Certificate of Insurance.

If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under this

Benefit and claims already admitted under Benefit (Accidental Death Benefit), Benefit (Permanent Total

Disability), Benefit (Permanent Partial Disability) and Benefit (Temporary Total Disability) in respect of

the Insured Person will cumulatively exceed the Common Death or Disability Sum Insured, then Our

maximum, total and cumulative liability under any and all such claims will be limited to the Common

Death or Disability Sum Insured.

On the acceptance of a claim under this Benefit and payment being made under any applicable Cover

Options, all cover under this Policy shall immediately and automatically cease in respect of that Insured

Person.

B. Permanent Total Disability

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that

Injury solely and directly results in the Permanent Total Disability of the Insured Person which is of the

nature specified in the table below, within 365 days from the date of the Accident, We will pay the Sum

Insured:

Nature of Permanent Total Disability

Total and irrecoverable loss of sight in both eyes

Loss by physical separation or total and permanent loss of use of both hands or both feet

Loss by physical separation or total and permanent loss of use of one hand and one foot

Total and irrecoverable loss of sight in one eye and loss of a Limb

Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye

Total and irrecoverable loss of hearing in both ears and loss of speech

Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye

Permanent, total and absolute disability (not falling under any one the above) which results in the

Insured Person being unable to engage in any employment or occupation or business for

remuneration or profit, of any description whatsoever which results in Loss of Independent Living

For the purpose of this Benefit:

1. Limb means a hand at or above the wrist or a foot above the ankle;

2. Physical separation of one hand or foot means separation at or above wrist and/or at or above

ankle, respectively.

This Benefit will be payable provided that:

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 6 of 13

a. Except in cases of physical separation, the Permanent Total Disability continues for a period of at

least 180 days from the commencement of the Permanent Total Disability, and the Disability

Certificate issued by the treating Medical Practitioner at the expiry of the 180 days confirms that

there is no reasonable medical hope of improvement;

b. If the Insured Person suffers Injuries resulting in more than one of the Permanent Total Disabilities

specified in the table above, then Our maximum, total and cumulative liability under this Benefit

shall be limited to the Sum Insured specified against this Benefit in the Policy Schedule / Certificate

of Insurance.

c. If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under

this Benefit and claims already admitted under Benefit (Accidental Death Benefit), Benefit

(Permanent Total Disability), Benefit (Permanent Partial Disability) and Benefit (Temporary Total

Disability) in respect of the Insured Person will cumulatively exceed the Common Death or

Disability Sum Insured then Our maximum, total and cumulative liability under any and all such

claims will be limited to the Common Death or Disability Sum Insured.

d. If We have admitted a claim for Permanent Total Disability in accordance with this Benefit, then We

shall not be liable to make any payment under the Policy on the death of the Insured Person, if the

Insured Person subsequently dies;

e. On the acceptance of a claim under this Benefit, all cover under this Policy shall immediately and

automatically cease in respect of that Insured Person after the payment of any other applicable

Benefits and Cover Options.

C. Permanent Partial Disability

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that

Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the

nature specified in the table below within 365 days from the date of the Accident, we will pay the amount

specified in the table below:

Nature of Permanent Partial Disability

Percentage of the Sum

Insured payable

i. Total and irrecoverable loss of sight in one eye

50%

ii. Loss of one hand or one foot

50%

iii. Loss of all toes - any one foot

10%

iv. Loss of toe great - any one foot

v. Loss of toes other than great, if more than one toe lost, each

vi. Total and irrecoverable loss of hearing in both ears

50%

vii. Total and irrecoverable loss of hearing in one ear

15%

viii. Total and irrecoverable loss of speech

50%

ix. Loss of four fingers and thumb of one hand

40%

x. Loss of four fingers

35%

xi. Loss of thumb- both phalanges

25%

xii. Loss of thumb- one phalanx

10%

xiii. Loss of index finger-three phalanges

10%

xiv. Loss of index finger-two phalanges

xv. Loss of index finger-one phalanx

xvi. Loss of middle/ring/little finger-three phalanges

xvii. Loss of middle/ring/little finger-two phalanges

xviii. Loss of middle/ring/little finger-one phalanx

This Benefit will be payable provided that:

a. Except in cases of physical separation, the Permanent Partial Disability continues for a period of at

least 180 days from the commencement of the Permanent Partial Disability and the Disability

Certificate issued by the treating Medical Practitioner at the expiry of the 180 days confirms that

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 7 of 13

there is no reasonable medical hope of improvement;

b. If the Insured Person suffers a loss that is not of the nature of Permanent Partial Disability specified

in the table above, then the independent medical advisors will determine the degree and percentage

of such disability;

c. We will not make any payment under this Benefit if We have already paid or accepted any claims

under the Policy in respect of the Insured Person and the total amount paid or payable under the

claims is cumulatively greater than or equal to the Sum Insured for that Insured Person;

d. If a claim is accepted under this Benefit in respect of an Insured Person and the amount due under

this benefit and claims already admitted under Benefit (Accidental Death Benefit), Benefit

(Permanent Total Disability), Benefit (Permanent Partial Disability) and Benefit (Temporary Total

Disability) in respect of the Insured Person will cumulatively exceed the Common Death or

Disability Sum Insured then Our maximum, total and cumulative liability under any and all such

claims will be limited to the Common Death or Disability Sum Insured.

e. On the acceptance of a claim under this Benefit, the Insured Person’s insurance cover under this

Policy shall continue, subject to the availability of the Sum Insured and the Common Death or

Disability Sum Insured.

D. Medical Expense Reimbursement

If an Insured Person requires Hospitalization or undergoes Day Care Treatment due to Injury or Illness,

as specified in the Policy Schedule / Certificate of Insurance, suffered or contracted during the Travel

Period, then We will reimburse the costs incurred on Medical Expenses, including the Post-

Hospitalization Medical Expenses incurred for up to 90 days following the Insured Person’s discharge

from Hospital.

This Benefit will be payable provided that the Insured Person is admitted to Hospital during the Travel

Period and, in case of Injury, within 7 days of the occurrence of the Accident.

E. Hospital Daily Allowance

If an Insured Person requires Hospitalization due to Injury or Illness, as specified in the Policy Schedule

/ Certificate of Insurance, suffered or contracted during the Travel Period, then We will pay the daily

allowance amount specified in the Policy Schedule / Certificate of Insurance, for each continuous and

completed period of 24 hours of Hospitalisation.

This Benefit will be payable provided that:

a. Our liability to make any payment under this Benefit shall commence only after a continuous and

completed minimum number of days of Hospitalization of the Insured Person as specified in the

Certificate of Insurance for each claim.

b. Our liability to make any payment under this Benefit shall be in excess of the Deductible of the

number of days specified in the Certificate of Insurance for each claim.

c. This Benefit shall not be payable in respect of the Insured Person for more than the maximum

number of days specified in the Certificate of Insurance for each Coverage Period.

d. Only one daily allowance amount is payable for each day of Hospitalization, regardless of number

of the Illnesses contracted/Injuries sustained.

F. Evacuation (Medical & Catastrophe)

We will pay the costs incurred up to the Sum Insured or a fixed amount, as specified in the Policy

Schedule or Certificate of Insurance for the air or surface transportation of the Insured Person during

the Travel Period, including costs incurred for medical care during such transportation, in any of the

following circumstances:

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 8 of 13

a. The Insured Person needs to be evacuated due to a Catastrophe which has occurred in the place

where the Insured Person is located during the Travel Period;

b. The Insured Person needs to be transferred from the place of contracting or sustaining such Illness

or Injury to a Hospital for medical treatment during the Travel Period;

c. The Insured Person needs to be transported from the Hospital where the Insured Person is being

treated during the Travel Period to the nearest Hospital if such medical treatment cannot be

provided at the Hospital where the Insured Person is situated.

This Benefit will be payable provided that:

a. The treating Medical Practitioner certifies in writing that the transportation of the Insured Person

was required for Medically Necessary Treatment to be rendered, wherever applicable;

b. The Hospital to which the Insured Person is proposed to be transported is the nearest Hospital

capable of providing the Medically Necessary Treatment required by the Insured Person;

c. If the Insured Person is transported to a Hospital which is not the nearest Hospital capable of

providing the Medically Necessary Treatment required by the Insured Person then Our liability

under this Benefit shall be limited to the amount that would otherwise have been payable to

transport the Insured Person to the nearest Hospital;

d. We shall not accept more than one claim under this Benefit in respect of the Insured Person

following from the same Illness or Injury.

G. Repatriation of Mortal Remains

We will pay the expenses incurred up to the Sum Insured or a fixed amount, as specified in the Policy

Schedule / Certificate of Insurance for transportation of mortal remains from the place of death of the

Insured Person during the Travel Period to the residence of the Insured Person in the City of Residence,

in case of death due to Injury or Illness suffered or contracted during the Travel Period.

This Benefit will be payable provided that the death of the Insured Person occurred in a location that is

not the City of Residence of the Insured Person.

H. OPD Treatment

If an Insured Person requires OPD Treatment for any of the treatments/tests/consultations specified in

the Policy Schedule / Certificate of Insurance, due to Injury or Illness, as specified in the Policy Schedule

/ Certificate of Insurance, suffered or contracted during the Travel Period, then We will reimburse the

costs incurred on Medical Expenses.

This Benefit will be payable provided that:

a. The OPD Treatment undertaken is for Medically Necessary Treatment and is commenced and

continued on the written advice of the treating Medical Practitioner;

b. We will reimburse only those Medical Expenses that are in excess of the Deductible;

c. We shall not be liable to make any payment in respect of Medical Expenses incurred on the

treatment of any Illness relate to any Pre-Existing Disease.

I. Trip Cancellation & Interruption

We will pay the expenses incurred up to the Sum Insured or a fixed amount, as specified in the Policy

Schedule / Certificate of Insurance, if an Insured Person’s journey is unavoidably cancelled (whether

wholly or in part) during the Coverage Period due to one of the circumstances specified below:

a. Any unforeseen death, disablement (whether of a permanent or temporary nature), Injury due to an

Accident, Illness or Hospitalization of the Insured Person, leading to emergency Hospitalisation for

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 9 of 13

a minimum period of 24 Hours or the number of hours, as specified in the Policy Schedule /

Certificate of Insurance;

b. Any unforeseen death, disablement (whether of a permanent or temporary nature), Injury due to an

Accident, Illness or Hospitalization of an Immediate Relative of the Insured Person, leading to

emergency Hospitalisation for a minimum period of 24 Hours or the number of hours, as specified

in the Policy Schedule / Certificate of Insurance;

c. Any public event such as mass bandhs, or widespread strikes or terrorism which the Insured Person

could not reasonably avoid or plan for ahead in time;

d. On the occurrence of a Catastrophe during the Coverage Period.

This Benefit will be payable provided that:

a. The event giving rise to a claim under this Benefit must be such as to reasonably cause a journey

to be cancelled or interrupted;

b. This Benefit will include cover for any irrecoverable costs of travel fares or accommodation incurred

due to cancellation of the Insured Person’s booked and confirmed journey, as levied or charged by

the Common Carrier, agent or any other provider of travel.

We shall not be liable to pay any expenses under this Benefit for any facts or matters of which the

Insured Person was aware or should have been aware might result in the cancellation or interruption of

the journey.

J. Trip Curtailment

We will pay the cost of additional travel and accommodation expenses or a fixed amount, as specified

in the Policy Schedule / Certificate of Insurance, incurred towards any unavoidable curtailment of

the Insured Person’s booked and confirmed journey due to one of the circumstances specified below:

a. Any unforeseen death, disablement (whether of a permanent or temporary nature), Injury due to

an Accident, Illness or Hospitalization of the Insured Person, leading to emergency Hospitalisation

for a minimum period of 24 Hours or the number of hours, as specified in the Policy Schedule /

Certificate of Insurance;

b. Any unforeseen death, disablement (whether of a permanent or temporary nature), Injury due to

an Accident, Illness or Hospitalization of an Immediate Relative of the Insured Person travelling

with the Insured/Insured Person, leading to emergency Hospitalisation a minimum period of 24

Hours or the number of hours, as specified in the Policy Schedule / Certificate of Insurance;

c. Any public event such as mass bandhs, or widespread strikes which the Insured Person could

not reasonably avoid or plan for ahead in time;

d. On the occurrence of a Catastrophe during the Coverage

Period. This Benefit will be payable provided that:

a. The event giving rise to a claim under this Benefit must be such as to reasonably cause a journey

to be curtailed;

b. This Benefit will include cover for any irrecoverable costs of travel fares or accommodation

incurred due to cancellation of the Insured Person’s booked and confirmed journey, as levied

or charged by the Common Carrier;

We shall not be liable to pay any expenses under this Benefit for any facts or matters of which

the

Insured Person was aware or should have been aware might result in the curtailment of the journey.

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 10 of 13

K. Delay of Checked-in Baggage

We will pay the amount specified in the Policy Schedule / Certificate of Insurance, towards purchasing

essential medication, toiletries or clothing if the delivery of the Insured Person’s accompanying

Checked-in Baggage is delayed for more than the number of hours specified in the Policy Schedule /

Certificate of Insurance, by the Common Carrier on which the Insured Person was travelling as a

passenger, during the Travel Period.

This Benefit will be payable provided that:

a. The Insured Person provides Us with a written proof from the Common Carrier of the length of the

delay;

b. The delay is in excess of the Deductible from the time of scheduled departure or scheduled arrival

time of the Common Carrier.

We shall not be liable to pay any expenses under this Benefit for any actual or alleged delay arising

from detention, confiscation or distribution by customs, police or other public authorities.

L. Loss of Checked-in Baggage

We will pay the actual loss or a fixed amount, as specified in the Policy

Schedule/Certificate

of Insurance

incurred towards the permanent and total loss or destruction of the Insured Person’s Checked-in

Baggage, by the Common Carrier on which the Insured Person was travelling as a passenger, during

the Travel Period.

This Benefit will be payable provided that the Insured Person provides Us with written proof from the

Common Carrier confirming the loss of Checked-in Baggage.

We shall not be liable to pay any expenses under this Benefit for:

a. Any loss or destruction which will be paid or refunded by the Common Carrier;

b. Any loss of Valuables, Money, any kinds of securities or tickets;

c. Any loss of Checked-in Baggage amounting to a partial loss or not amounting to a permanent

and total loss, unless specified otherwise in the Certificate of Insurance;

d. Any actual or alleged loss or destruction arising from detention, confiscation or distribution

by customs, police or other public authorities.

M. Personal Legal Liability

We will reimburse any actual legal liability, including Defence Costs, incurred by the Insured Person in

his/her private capacity to pay damages to a third party arising out of the third party’s death, Injury or

property being damaged during the Travel Period.

This Benefit will be payable provided that:

a. We are given written notice, as soon as practicable, but in any event within 7 days from the

occurrence of the event that gives rise or may give rise to a claim under this Benefit;

b. The Insured Person does not incur any Defence Costs or expenses, admit liability or settle or

attempt to settle, make any admission or offer any payment or otherwise assume any contractual

obligation with respect to such claim without Our prior written consent;

c. The Insured Person is obligated to defend himself/herself in any ensuing civil proceedings. We shall

be entitled, but not obligated to, at any time to take over and conduct the defence and/or settlement

of any action or claim in the name of the Insured Person and shall be entitled at all times to receive

the Insured Person’s cooperation and assistance;

d. We shall not settle any claim without the express consent of the Insured Person, but if the Insured

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 11 of 13

Person refuses an available settlement recommended by Us, then Our liability shall be restricted to

the amount by which such claim could have been settled.

We shall not be liable to reimburse any expenses under this Benefit for claims arising out of:

a. Any wilful, malicious, criminal or unlawful act, error, or omission;

b. Any liability incurred towards a relative, a travelling companion or work colleague of the Insured

Person;

c. Participation in any Hazardous Activities;

d. The Insured Person’s business or occupation;

e. Livestock belonging to the Insured Person, or in his/her care, custody or control.

N. Pre-Existing Disease (In case of life-threatening medical condition)

We will reimburse the Medical Expenses incurred in respect of the Medically Necessary Treatment

rendered on the Insured Person during the Travel Period on an emergency basis for a Life-Threatening

Condition only for any sudden, unexpected or unforeseen development which is attributable to a Pre-

Existing Disease, upto the Sum Insured specified in the Policy Schedule / Certificate of Insurance.

For the purpose of this Cover Option, Life Threatening Condition shall mean a medical condition

suffered by the Insured Person, which is certified in writing by the attending Medical Practitioner as a

Life-Threatening Condition, and which has the following characteristics:

i. Markedly unstable vital parameters (blood pressure, pulse, temperature and respiratory

rate).

ii. Acute impairment of one or more vital organ systems (involving brain, heart, lungs, Liver,

Kidneys and pancreas) including ectopic pregnancy.

iii. Critical care being provided, which involves high complexity decision making to assess,

manipulate and support vital system function(s) to treat single or multiple vital organ

failure(s) and requires interpretation of multiple physiological parameters and application

of advanced technology.

iv. Critical care being provided in critical care area such as coronary care unit, intensive care

unit, respiratory care unit, or the emergency department.

This Cover Option will be payable provided that:

a. Our or Our Assistance Service Provider’s approval is obtained within 48 hours of the

commencement of the Insured Person’s Hospitalization;

b. Exclusion (b) shall not apply only to the extent of cover under this Cover Option.

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 12 of 13

4. General Exclusions

We shall not be liable to make any payment for any claim under the Policy in respect of an Insured

Person, arising from or caused by any of the following, except where provided to the contrary under

any Benefit or Cover Option(s) within the Policy:

a. Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the

Insured Person is medically sane or insane.

b. Any Pre-Existing Disease, or any Injury, disability, or complication arising out of a Pre-Existing

Disease unless disclosed to Us in advance, and coverage for such Pre-Existing Disease is

expressly extended and endorsed by Us on the Certificate of Insurance.

c. Any event arising from or caused due to use, abuse or a consequence or influence of an abuse of

any substance, intoxicant, drug, alcohol or hallucinogen by the Insured Person.

d. Any breach of law or participation of the Insured Person in an actual or attempted felony, riot,

crime, misdemeanour or civil commotion with criminal intent.

e. Certification of disability by a Medical Practitioner who shares the same residence as the Insured

Person or who is a member of the Insured Person’s family.

f. Childbirth or from pregnancy or a consequence thereof including ectopic pregnancy unless

specifically arising due to Accident.

g. Participation of the Insured Person in any flying activity, except as a bona fide passenger on a

public aircraft, which is operating under a valid license from the relevant authority for the

transportation of passengers.

h. Any change of profession after inception of the Policy which results in the enhancement of Our risk

under the Policy, if not accepted and endorsed by Us on the Certificate of Insurance.

i. Engaging in any Hazardous Activities, testing of any kind of Common Carrier, engaging in manual

work during a journey, engaging in any offshore work activity, mining, tunnelling or any work

involving electrical installation with high tension supply, aerial photography, ammunition,

explosives, firearms or flight duty, except as a fare-paying passenger.

j. Any act of foreign invasion, act of foreign enemies, hostilities and participation of the Insured

Person in any naval, military or air-force operation, civil war, public defence, rebellion, revolution,

insurrection, military or usurped power.

k. Ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous

form) or from any nuclear waste from the combustion of nuclear fuel.

l. Nuclear, chemical or biological attack or weapons, where chemical attack or weapons means the

emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical

compound which, when suitably distributed, is capable of causing any Illness, incapacitating

disability or death, and biological attack or weapons means the emission, discharge, dispersal,

release or escape of any pathogenic (disease producing) microorganisms and/or biologically

produced toxins (including genetically modified organisms and chemically synthesized toxins)

which are capable of causing any Illness, incapacitating disability or death.

m. Any physical or medical condition, or treatment, or service that is specifically excluded in the Policy

Schedule / Certificate of Insurance under special conditions.

n. Any generally excluded non-medical expenses as provided in Annexure I.

o. Any loss of eye glasses or power lenses in respect of any Insured Person.

p. Any loss of Valuables, Money, any kinds of securities or tickets.

q. Any journey where the Insured Person is travelling as a commercial driver, operator or crew

member in, or carrying out any testing or repairs on a Common Carrier.

r. Any intentional illegal or unlawful act or confiscation, detention, destruction by customs or other

authorities or any breach of government regulation.

s. Any failure to take reasonable precautions to avoid a claim under the Policy following a mass media

or government issued warning.

t. Any journey commenced with the Insured Person:

i. Not being fit to travel or traveling against the advice of a Medical Practitioner; or

ii. receiving, or is supposed to receive, medical treatment; or

iii. having received terminal prognosis for a medical condition; or

iv. travelling for the purpose of obtaining medical care, treatment or advice of any kind whether

this is the sole purpose of the journey or not; or

v. traveling to any country for which his/her visa is not allotted.

Acko General Insurance Limited

Group Travel Insurance Policy

Acko General Insurance Limited

36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, 560102

IRDAI Reg No: 157 | CIN: U66000KA2016PLC138288 | UIN: ACKTGBP21525V022021

www.acko.com | Helpline No.: + 91- 80-68370001 | Mail: acko@allianz.com Page 13 of 13

5. Grievance Redressal

For resolution of any query or grievance, insured may contact the company on toll free number

1800 266 2256

or may write an e- mail at

grievance@acko.com

. In case the insured is not

satisfied with the response of the office, insured may contact the Grievance Officer of the

Company at the following address:

Grievance Redressal Officer

#36/5, Hustlehub One East, Somasandrapalya,

27th Main Rd, Sector 2, HSR Layout,

Bengaluru, Karnataka 560102

grievance@acko.com

In the event of unsatisfactory response from the Grievance Officer, he/she may, register a

complaint in the Integrated Grievance Management System (IGMS) of the IRDAI.

Where the grievance is not resolved, the insured may, subject to vested jurisdiction, approach the

Insurance Ombudsman for the redressal of grievance.

Please note that this is only a basic description of the key terms of the Policy and the full list of policy

conditions and exclusions are available at: http://www.acko.com/download

Once you have taken the cover, you will receive a Certificate of Insurance from Acko which will contain

complete details of your cover under the Policy, and the applicable conditions and exclusions.