Guard Insurance for Overseas Travel

There is a possibility of some unexpected occurrence when travelling abroad. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect your trip. Having Overseas Travel Insurance protects you from all such perils. It ensures that in a foreign land you are not left stranded in any kind of an emergency.

The Assistance Services include Medical Assistance and Non Medical Assistance:

Non Medical Assistance includes:

• Pre-departure services: Information about foreign locations, passport / visa requirements, immunisation requirements etc.
• Embassy referral services.
• Claims procedures Information services.
• Lost luggage or Lost Passport: If You, outside India, notify the Assistance Company that your luggage or passport has been lost, the Assistance Company will endeavour to assist you by contacting the appropriate authorities involved and providing direction for replacement.
• General assistance: The Assistance Company will serve as a central point for translation and communication during emergencies. The Assistance Company agrees to provide advice on contacting and using services available from consulates, government agencies, translators, and other service providers that can help with travel problems. In addition, the Assistance Company will provide insurance coordination, verifying coverage, guaranteeing payment to the medical provider, based on confirmation of benefits, a charge to credit card(s) and coordinating the payments, documentation and translation to ease claim filing when you return to India.
• Pre-departure services: Prior to your departure, upon request the Assistance Company will provide hazard information about foreign locations, information about immunisation requirements and passport or visa requirements, general information about weather and State Department and private service warnings about travel to certain locations. The Assistance Company will also arrange for special medical care en-route (i.e. dialysis, wheelchairs, etc.). Subject to receiving reasonable notice of this request.
• Emergency travel agency: The Assistance Company agrees to provide 24 hour travel agency service for airline and hotel reservations. The Assistance Company will also arrange payment for airline tickets and other travel services, using your credit card. Prepaid ticket pickup at airline counters or ticket delivery by mail or courier will also be arranged by the Assistance Company.
• Emergency cash transfers and advances: The Assistance Company will arrange for cash payments, through a variety of sources, including credit cards, hotels, banks, consulates and Western Union. The Assistance Company provides this service to supplement the facilities of your credit cards. Credit card transactions performed by the Assistance Company are subject to confirmed credit.
• Legal assistance: If you are arrested or are in danger of being arrested as the result of any non-criminal action resulting from responsibilities attributed to you, Assistance Company will, if required, provide you with the name of an attorney who can represent you in any necessary legal matters.

Medical Assistance includes:

• Medical services provider referral.
• Arrangement of hospital admissions.
• Monitoring of medical condition during hospitalisation.
• Medical assistance: As soon as the Assistance Company is notified of a medical emergency resulting from an accident or sickness, the Assistance Company will contact the medical facility or location where you are located and confer with the physician at that location to determine the best course of action to be taken. If possible and if appropriate, your family physician will be contacted to help arrive at a decision as to the best course of action to be taken. The Assistance Company will then organise a response to the medical emergency, doing whatever is appropriate, including, but not limited to, recommending or securing the availability of services of a local physician and arranging hospital confinement of you where, in its discretion, deems such confinement appropriate.
• Medical evacuation: When, in the opinion of the Assistance Company's medical panel, it is judged medically appropriate to move you to another location for treatment or return you to India, the Assistance Company will arrange the evacuation, utilising the means best suited to do so, based on the medical evaluation of the seriousness of your condition, and these means may include air ambulance, surface ambulance, regular airplane, railroad, or other appropriate means. All decisions as to the means of transportation and final destination will be made by the Assistance Company.
• Repatriation: The Assistance Company agrees to make the necessary arrangements for the return of your remains to India in the event you die while this policy is in effect as to you.

The Insurance cover commences on the day specified in the Policy Schedule or the time you board the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy, whichever is later.

Insurance Cover shall terminate:

• With the end of Insurance Period i.e. the period for which the premium has been paid or
• When the insured person first disembarks on return to India

Where your stay abroad is extended for reasons beyond your control, the extension may be granted by insurance company after collecting appropriate additional premium. You have to contact your insurer with details in such cases.

In case of any emergency, wherein you might need immediate medical care or assistance, you may call upon the Alarm Centre or Assistance Companies, stating the necessary details.

• The original bills and vouchers must be submitted along with all claims.
• Bills/prescriptions/ vouchers/ reports/ discharge summary must contain the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment.
• Prescriptions must clearly show the medicines prescribed, the price and the receipt stamp of the pharmacy. In the case of dental treatment, the bills/vouchers/ reports must give the details of the tooth treated and the treatment performed.
• For reimbursement of the extra costs of transporting the mortal remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death.
• For reimbursement of the extra costs of transporting the mortal remains to the Republic of India or of the costs of burial abroad, an official death certificate and a physician's statement giving the cause of death.
• For reimbursement of extra expenses of transportation of Insured Person to the Republic of India, a medical statement indicating the cause of illness and the necessity of the transportation. Medical statements from relations or spouses will not be accepted.
• In case of loss of baggage, a Property Irregularity Report or other report usually issued by the carriers in the event of loss of baggage. Proof of value for article above deductibles
• For personal liability, proof of judicial decision rendered by a court of law.
• For Personal Accident, bills/vouchers/ reports/ discharge summary, Death Certificate, First Information Report, Post Mortem Report Legal Heir Certificate and such other documents as applicable.
• Any other document(s) that the company requires from the Insured Person to process the claim.

You can get your policy cancelled only if you have not undertaken the journey and you produce your passport as a proof that the journey has not been undertaken. Any such request of cancellation will be entertained upto 14 days after the first date of insurance as indicated in the schedule of the policy. In case of cancellation of your policy, a specified amount will be deducted as administration charges, from the refundable amount.

Where your stay abroad is extended for reasons beyond your control, the extension may be granted by insurance company after collecting appropriate additional premium. You have to contact your insurer with details in such cases.

You are not covered if any expenses incurred directly or indirectly in respect of:

• Travelling against the advice of the physician
• For obtaining treatment; pre-existing ailments and complications arising out of them
• Suicide or attempted suicide
• War and terrorism
• Illegal acts and dangerous sports etc.

Please refer to policy wordings for complete list of exclusions.

The insurance covers you only for accidents or sickness which happen unexpectedly and unintentionally while you are travelling abroad.

• Single trip Insurance –free look period not applicable.
• Annual Multi-trip Insurance -15 days free look period for the new business annual multi-trip only.

Grace period is not applicable for single trip policies .This is applicable only for renewal of annual multi-trip policies.

• The single trip insurance is non-renewable, not cancel-able.
• Annual multi-trip is renewable for life upon payment of premium on renewal due date ,unless the Insured Person or any one acting on behalf of an Insured Person has acted in an improper, dishonest or fraudulent manner or non-co-operation by the insured.

Yes, you can make a part-prepayment towards your Auto Loan at your nearest Axis Bank Loan Center. For charges applicable on part-prepayment, please click here.

Axis Bank offers fixed interest rates, which are among the most attractive Auto Loan rates in India today. Our Bank has tied up with all leading manufacturers. and authorised dealers. To check the interests rates offered on Auto Loans, please Click here.

Once your Auto Loan has been closed, Axis Bank will provide you the following documents to remove hypothecation from your Registration Certificate:

• No Objection Certificate (NOC) will be given for your Regional Transport Office (RTO) and your Auto Insurance Company.
• No Objection Certificate issued by Axis Bank.
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• Original Form 35.

These documents have to be submitted at your local RTO along with a fee for removal of hypothecation.

You may update your mobile number and email address in either of the following ways:

• By calling any of our toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577
• By using your registered email id to write to us at: loans@axisbank.com