overseas visit clause

Change Number: Change 178 GSAR Case 2020-G511 Effective Date: 03/25/2024

552.238-98 Clauses for Overseas Coverage.

As prescribed in 538.273 (d)(22) insert the following clause:

Clauses for Overseas Coverage (May 2019)

(a) 52.214-34 Submission of Offers in the English Language

(b) 52.214-35 Submission of Offers in U.S. Currency

(c) 552.238-90 Characteristics of Electric Current

(d) 552.238-91 Marking and Documentation Requirements Per Shipment

(e) 552.238-97 Parts and Service

(f) 552.238-99 Delivery Prices Overseas

(g) 552.238-100 Transshipments

(h) 552.238-101 Foreign Taxes and Duties

(i) 52.247-34 FOB Destination

(j) 52.247-38 FOB Inland Carrier, Point of Exportation

(k) 52.247-39 FOB Inland Point, Country of Importation

(End of clause)

• Data Initiatives
• Regulations
• Smart Matrix
• Regulations Search
• Acquisition Regulation Comparator (ARC)
• Large Agencies
• Small Agencies
• CAOC History
• CAOC Charter
• Civilian Agency Acquisition Council (CAAC)
• Federal Acquisition Regulatory Council
• Interagency Suspension and Debarment Committee (ISDC)

ACQUISITION.GOV

An official website of the General Services Administration

• Remember me Not recommended on shared computers

Forgot your password?

• Contract Administration

Overseas Travel and the Defense Base Act

By Junius July 19, 2016 in Contract Administration

• Start new topic

Recommended Posts

Basic question:   If a contractor employee, based in the United States, goes TDY to an overseas location during the course of performance of a DoD service contract, does the Defense Base Act   (DBA) apply?

Background: Suppose you have a DoD service contract where performance occurs within the United States, with the exception of an annual TDY that requires a contractor employee to travel overseas.   The employee (a U.S. citizen) lives in the United States and, aside from this TDY, also works in the United States.   The DBA clause is not included in the contract.   Assume that, since the employee is a U.S. citizen, there is no applicable waiver from the Department of Labor.

FAR 28.305(b) specifies, “ The Defense Base Act (42 U.S.C. 1651, et seq. ) extends the Longshoremen’s and Harbor Workers’ Compensation Act (33 U.S.C. 901) to various classes of employees working outside the United States…” 

In determining whether or not DBA applies, FAR 28.305(c) simply refers to 42 U.S.C. 1651.   The interpretation of 42 U.S.C. 1651 is very broad.   For instance, DPAP released a policy memo in 2003 titled “Inclusion of Defense Base Act Clause in DoD Overseas Contracts” which states, in part, “the Defense Base Act clause at FAR 52.228-3 should be included in all DoD service contracts to be performed (either entirely or in part) outside of the United States…”

So, based on the above, I make the assumption that even a single TDY overseas could be considered performing, in part, a DoD service contract outside of the United States.   Therefore, the DBA applies and the clause needs to be included in the contract.   This would have pretty enormous implications because this situation is pretty common, and the DBA clause is rarely included (at least in my agency) in contracts unless contractor employees are actually living and working overseas in places like Afghanistan/Iraq/Pakistan.

There’s really a dearth of information out there on the DBA specifically as it relates to its applicability in Gov’t contracting.  M y relatively fruitless searches are crowded out by a mass of results originating from the DBA industry, which apparently must be pretty lucrative.

Link to comment

Share on other sites.

here_2_help

1 hour ago, Junius said: The DBA clause is not included in the contract.

If a contractor employee, based in the United States, goes TDY to an overseas location during the course of performance of a DoD service contract, does the Defense Base Act   (DBA) apply?

If the clause is not in the contract the contractor did not procure DBA. If the contractor did not procure DBA then there is no coverage.

I believe that the contractor's normal insurance would cover the employee.

For the purpose of the question at hand, whether or not the employee is covered by DBA insurance does not concern me.  I am specifically concerned with whether or not the Act applies.

Don Mansfield

3 hours ago, Junius said: Basic question:   If a contractor employee, based in the United States, goes TDY to an overseas location during the course of performance of a DoD service contract, does the Defense Base Act   (DBA) apply?

I think that the DPAP memo is clear. The DBA would apply unless it was waived. For further information, see  https://www.dol.gov/owcp/dlhwc/FAQ/DBAFaqs.htm .

Quote   2. Who is covered under the DBA? The DBA covers the following employment activities: Work for private employers on U.S. military bases or on any lands used by the U.S. for military purposes outside of the United States, including those in U.S. Territories and possessions; Work on public work contracts (see FAQ 3) with any U.S. government agency, including construction and service contracts in connection with national defense or with war activities outside the United States; Work on contracts approved and funded by the U.S. under the Foreign Assistance Act, which among other things provides for cash sale of military equipment, materials, and services to its allies, if the contract is performed outside of the United States; Work for American employers providing welfare or similar services outside the United States for the benefit of the Armed Services, e.g. the United Service Organizations (USO); and Any injury or death occurring to any such employee during transportation to or from the place of employment, where the employer or the U.S. provides the transportation or the cost thereof. If any one of the above criteria is met, all employees engaged in such employment, regardless of nationality including U.S. citizens and residents, host country nationals and local hires as well as third country nationals (individuals hired from another country to work in the host country), are covered under the Act. The DBA does not apply to the injury or death of (1) an employee subject to the provisions of the Federal Employees' Compensation Act; (2) an employee engaged in agriculture, domestic service, or any employment that is casual and not in the usual course of the trade, business, or profession of the employer; and (3) a master or member of a crew of any vessel  

This is not particularly my area of expertise, so I defer to you. On the other hand, the FAQ you cite as the basis for your answer contains the following language:

"This page does not necessarily contain an exhaustive or current treatment of the DBA and should not, under any circumstances, substitute for a party's own research into the statutory, regulatory, and case law authorities on any given subject addressed by the following FAQs. The FAQs are an informational tool, not a final authority, and should not be cited or otherwise considered an authoritative statement of agency policy."

It is required!  We are so reliant on our contract hire staff that this is a big problem with program offices sending thier contract hires overseas without much thought.  They just assume they can go TDY so can the contract hire.  If the employee is from a professional services company (may I say body shop) the odds are the company is not paying attention either.  No one really cares until something kills or injures the employee overseas and it all blows up in everyones face. 

2 hours ago, here_2_help said: Don, This is not particularly my area of expertise, so I defer to you. On the other hand, the FAQ you cite as the basis for your answer contains the following language: "This page does not necessarily contain an exhaustive or current treatment of the DBA and should not, under any circumstances, substitute for a party's own research into the statutory, regulatory, and case law authorities on any given subject addressed by the following FAQs. The FAQs are an informational tool, not a final authority, and should not be cited or otherwise considered an authoritative statement of agency policy."

My answer is based on the DPAP memo , which is an authoritative statement of agency policy. I provided a link to the FAQs in response to this:

Quote There’s really a dearth of information out there on the DBA specifically as it relates to its applicability in Gov’t contracting.  M y relatively fruitless searches are crowded out by a mass of results originating from the DBA industry, which apparently must be pretty lucrative.

Apologies, Don. I was confused by your response.

No apology necessary, my good friend.

• 7 yr bob7947 locked this topic

• Existing user? Sign In
• Forum Archive
• Top Posters
• Online Users
• Wifcon Home Page
• Breaking News
• Wifcon Contents Page
• Small Business
• Regulations
• FAR Research
• Quickit Guidance
• Bona Fide Needs Rule
• Main Protests Page
• Protests By FAR Part & Subpart
• Protests By Circular A-76
• Protests by Issue
• Protests by Rules of Legal Forum
• Protest By Name
• GAO Protests Statistics -- Since 1997
• Contracting Legislation of the Current Congress
• Public Laws & Citations
• Analysis & Articles
• Book Reviews
• Publications Memorialized by Wifcon.com
• All Activity
• My Activity Streams
• Unread Content
• Content I Started
• Manage Purchases
• Personal Information
• Alternative Contacts
• Leaderboard
• Create New...

21 International Travel Checklist Items To Make Your Life Easier

Planning a big overseas trip–maybe even for the first or second time–and trying to put together the perfect international travel checklist to ensure you don’t forget anything before you leave?

We have you covered: as full-time travelers for more than 4 years across nearly 50 countries, we are well accustomed to preparing for international travel.

We’ve put together this international travel checklist to make sure you leave for the airport stress-free and ready to enjoy a phenomenal vacation abroad!

Some links in this post may be affiliate links. If you make a purchase through one of these links, we may earn a small commission at no extra cost to you. Please see our disclosure policy for more detail.

International Travel Checklist: Booking Your Trip

Calculate your travel budget and plan with your eyes open..

Before starting any of your trip planning, we recommend setting a budget for your travels.

Having a number in mind (though this is a very, very old post, we still stand by this formula for calculating your travel budget) will not only keep you from overspending, it’ll also keep you from underspending in the early planning stages.

You don’t want to get to the end of your trip and realize you could have splurged on that once-in-a-lifetime opportunity after all!

Sketch out your travel itinerary.

Once you have a budget in mind, go ahead and sketch out an itinerary for where you want to go once you arrive at your destination.

There is no limit to the variety of bucket list-worthy trips in the world, making narrowing down your options most of the challenge of this step!

This is one of our favorite things to do on this international travel checklist, and detailed itineraries are also my favorite blog posts to write.

If you’re headed to a destination we’ve covered on Our Escape Clause, use the search bar on the top right of the screen to find what suggested itineraries we have for your trip!

Check visa requirements.

Depending on where you are coming from and where you are going, this step might vary from a cursory Google search all the way up to planning a year in advance so you have time to gather your documents and get to an interview.

For US citizens, we recommend checking visa requirements for your intended destination on the travel.state.gov website , which will always have the most up-to-date official information.

Check COVID-19 documentation requirements.

In 2021 (and let’s be real: probably in 2022 and quite possibly beyond that), it’s a whole new world as far as traveling abroad goes, and this checklist would not be complete without mentioning COVID-19 documentation.

Whether you need to show your vaccination card, a negative test, or both, odds are you’ll need to square away some documentation to travel internationally.

Don’t forget to check any requirements for coming home, too!

Buy your plane tickets!

Personally, the moment that we finally purchase our plane tickets is virtually always the moment that a trip really, truly starts to feel real.

It’s exhilarating, and hopefully, a highlight for you as you work through this international travel checklist as well!

Book your hotels & rental car.

Once you have your travel itinerary ready to go, your plane tickets purchased, and your visa sorted (if applicable), it’s time for the next phase of preparing for international travel: booking your hotels for each destination and your rental car.

We typically use Booking.com (and occasionally Airbnb ) to find our hotels and apartments, Get Your Guide to book most tours and tickets,  and use Discover Cars to find our rental cars.

Start learning phrases in the language of your destination.

For the vast majority of international trips, this is more out of politeness than an extreme necessity, but still: as your trip starts getting closer, start learning a few phrases in the language spoken in your destination!

A few to start with are: yes, no, please, thank you, hello, goodbye, I would like, where is the toilet, and excuse me.

International Travel Checklist: Getting Your Documents in Order

Check the expiration date on your passport..

For most countries, your passport will need to have an expiration date more than 6 months after you leave the country.

If yours is getting close to expired, get that taken care of ASAP, especially if your trip is coming up (like, start looking at the process of renewing your passport this second ).

Book onward travel if needed.

Technically speaking, most countries around the world require you to have your exit plan firmly in place in order to enter their country.

Depending on where exactly you’re going and your level of passport privilege, this may be a very important step on your international travel checklist or more of a CYA move, but either way, it’s good to have it taken care of.

If you have a round-trip plane ticket booked, no worries, this doesn’t apply to you.

If you have a one-way ticket booked, print out or download it to your phone (don’t rely on having the internet to look something up in your email–we’ve learned that one the hard way) proof of your plan to leave the country in question.

If you don’t have a plane ticket, perhaps because you are planning to take a train or bus to your next stop, a hotel reservation or visa for your next destination may sometimes work, but it depends on the immigration officer or airline employee (as they often are de facto in charge of enforcing these rules) in question.

Buy travel insurance.

Given how inexpensive travel insurance is as compared to traveling in general, and how much money and headache it can save you in the face of something going wrong, it is absolutely worth buying when preparing for international travel.

We don’t ever suggest traveling without travel insurance–anything can happen on the road, and traveling abroad is definitely a case of better safe than sorry.

For the vast majority of destinations, we use and recommend Safety Wing for travel insurance.

Get an international driving permit if needed.

If you’re planning on driving on your trip abroad, be sure to check and see if you need to add an international driving permit to your checklist for international travel before you go!

These are essentially translations of your license into many languages–some countries require them, some technically do and rarely enforce it, some require it only if your license isn’t in one of several languages, and some don’t require it at all.

You can obtain a permit at home before you go by following these steps .

If necessary, get vaccinated.

Depending on where you’re going, what you’re doing, and how up-to-date your immunizations are, you may need anywhere from a slew of vaccines to prepare for your international trip, documentation of vaccines you’ve already received (especially in 2021), or nothing at all.

The more prep time you have to get any vaccines that you do need, the easier your trip planning will go!

Email a copy of your itinerary to yourself and a trusted loved one.

The odds of a loved one needing to access your itinerary during your trip abroad are small, but even still, there’s no downside to making sure someone back home knows where you are!

On your side, it’s always handy to have a copy of all your hotel bookings, rental car bookings, plane tickets, etc, handy–you never know when you might need to refer back to something.

Generally, as part of planning a trip, we make an email folder specifically for that trip and put all relevant reservations and information in there to ensure we’re able to keep track of everything.

International Travel Checklist: Taking Care of Your Home

Stop your mail..

Don’t let mail pile up at your home while you’re away–make sure it is held at the post office for you for the duration of your trip.

For travelers from the USA like us, you can easily set up a mail hold here through USPS online .

Let family and friends know how to contact you.

Do you plan to stay in touch with family and friends through an international phone plan? Skype? Whatsapp? Email? Social media?

Whatever the plan, be sure to let your loved ones know–especially if you’re planning a longer trip–and if it makes sense for your situation, help them set up any necessary apps that they may not have yet.

Hire a house or pet sitter if needed.

If you have plants that need watering, a pup that needs walking, a pool that needs cleaning, or just a house that needs someone to come by and make sure everything is okay, get a house and/or pet sitter worked out as far in advance of your trip as possible.

The closer to your travel dates that you start making arrangements, the more stressful the process can be.

International Travel Checklist: Getting Everything Packed

Make a packing list and buy anything you need..

Obviously, your packing list will vary dramatically based on your destination, but here are a few items that are on our own international travel checklist, typically regardless of destination.

Comfortable Day Bag  — We currently use  Pacsafe’s sleek anti-theft backpack  and love it, but if you don’t want to shell out the cash for this trip, that’s totally understandable. Just aim for something comfortable to wear, not flashy, and medium-sized–we used a  Northface Jester backpack  for years and loved it as well.

Money Belt  — This is up to you, but I’ll include it here due to its popularity. We no longer use a money belt, but if you’re more comfortable having your passports on your person while exploring you can consider bringing one.

If you’re looking for a detailed packing list, we have dozens of them on Our Escape Clause including for summer in Europe , winter in Europe , Italy , Mexico , Colombia , and Ireland .

Check your prescription medications.

Do you have enough of a supply to last the length of your trip?

If you need to bring it with you in your carry-on luggage, is it in original packaging?

Let your banks and credit card companies know that you’re traveling abroad.

For most banks, this can be done online these days, but you can also choose to call to set a travel notification in a pinch.

Generally, they’ll want to know what countries you’re visiting and for how long, and simply make a note in your file.

Forget to do this, though, and you risk your card being denied when you try to use it abroad!

Be sure you have all your long-haul flight essentials.

We’ve dedicated an entire post to making sure you bring the right things with you for the endurance event that is getting through a long haul flight semi-comfortably, but here are a few things to get you started: an eye mask , lip balm, cozy socks, hand sanitizer, offline entertainment, and a portable USB charger .

If you like to download things to watch or listen to for flights, consider picking out one of the best travel shows to watch along the way!

Weigh your luggage before you leave.

… and compare it to not only the airline you’re flying with to reach your initial destination, but also any other airlines you’re flying for different legs of your trip, as well.

For example, if you fly from New York to Paris with Delta but are flying from Paris to Rome with Ryanair, make sure your luggage meets Ryanair’s requirements as well to avoid a headache later in your trip.

International Travel Checklist: Streamlining Your Arrival

Keep a pen in your carry-on..

If you end up needing to fill out an arrival card before passing through immigration, either on the plane before landing or upon arrival before getting in line for processing, you’ll be so glad to have a pen with you!

Have a plan in place to get from the airport to your hotel.

The final step of your international travel checklist is as simple as it is important: make an arrival plan.

When you arrive at your destination, you’re undoubtedly going to be exhausted, overwhelmed, and probably a bit jet-lagged, too!

No matter how many times we arrive in a new country, it never stops being a tiny bit stressful, simply because there are a lot of variables at play in the first few hours of arriving somewhere new.

Make life easier on yourself by thinking ahead: when planning your trip , figure out your exact steps of what will happen after the plane lands.

That means exactly how far away your hotel is, how you’ll get there from the airport (train, bus, rental car, taxi?), and if you’ll be traveling by taxi, what a reasonable price is and/or if there is set fare from the airport to the city center (there often is)

Planning a trip?

Subscribe to our newsletter to follow along with our travels and to receive tips and new content via email!

We won’t send you spam. Unsubscribe at any time.

About Kate Storm

In May 2016, I left my suburban life in the USA and became a full-time traveler. Since then, I have visited 50+ countries on 5 continents and lived in Portugal, developing a special love of traveling in Europe (especially Italy) along the way. Today, along with my husband Jeremy and dog Ranger, I’m working toward my eventual goal of splitting my life between Europe and the USA.

5 thoughts on “21 International Travel Checklist Items To Make Your Life Easier”

Very Helpful to Get My Task List Started! If you have something specific to the Holy Land regarding packing list and preparation tasks, I’d love to get my hands on it!

Thanks, Val! Nothing specific to that area at this time, but you never know in the future. 🙂

So glad I found your blog! I’ve traveled to multiple countries over the years, yet, you gave me new things to consider and since it’s been awhile since I’ve traveled it’s helpful to have all of this info in one place! I was wondering whether you recommend we use our cell phones in Europe and talk to our carrier about an international plan or purchase a temporary one at our destination? We are traveling to France this summer and Ireland two times next year. Thank you so much!

Hi Marissa! If your phone is unlocked, purchasing a European SIM card will almost certainly be far cheaper than an international plan. 🙂 You can buy a SIM card once you arrive at the airport (there are virtually always stalls set up as you leave), or you can even buy one on Amazon before you go! I believe Orange sells theirs on Amazon.

Great, thanks Kate!

Leave a Comment Cancel reply

• Practical Law

Working overseas clause

Practical law uk standard clause 1-200-2110  (approx. 6 pages).

• Cross-border: Employment
• Contracts of Employment
• Immigration

• Travel Tips
• Online Booking
• Seat Reservation
• Check-in Service
• Privacy Notice
• Cookie Statement
• Non-CZ Flights
• Flight + Hotel
• Online Check-in Service..
• the Use Agreement on Inflight Wi-Fi Product and Service
• PingAn Overseas Travel Insurance
• Ping An E-travel Insurance
• PingAn Ticket Refund/Change Insurance
• Sunshine E-Travel Insurance
• Sunshine Ticket Refund/Change Insurance
• Sunshine Overseas Travel Insurance
• PingAn Ticket Refund/Change Insurance(IE)
• Sunshine Ticket Refund/Change Insurance(IE)

Important notes:

(1)Successful purchase of this insurance plan is subject to the generation of the policy.

(2)Please read this page and applicable insurance clauses and pay special attention to "Exclusions" and "Definitions" in the clauses before the application.

(3)Please read carefully the excluded regions and groups before the application so as to fully protect your rights and benefits.

(4)Ping An Insurance’s 24-hour global assistance hotline : +86 755 95511. Be sure to dial the global assistance hotline to report a claim as soon as you can after the incident in order that the insurer and the assistance company can provide medical assistance to you as soon as possible. If you handle the case by yourself without dialing the assistance hotline, your claim might be rejected.

(5)The maximum insurance period for a single trip is 180days, and the policy will expire if exceeding the time limit.

(6)For this insurance, the insured must be within the age of 80 years, with his/her place of residence being within the People’s Republic of China (PRC), who travels abroad for a short time.

（7）According to the insurance company requirements，our website would upgrade this insurance product since April 1, 2020. For the previously sold policy, the insurance company will continue to assume responsibility for the purchased policy in accordance with the original terms of insurance. All insurance liabilities are subject to the policy terms.

1. Insurance Products and Service Information

1)insurance products.

a．CSair PingAn Overseas Travel Insurance

b.Clauses name and approval number：

c.The sales and service supplier of these insurance products is China Southern Airlines Insurance Brokers Co., Ltd.

d.The applicant and the insureds declare and affirm that the applicant and the passengers (i.e. the insureds) agree on the enrollment and the sum insured, after they read all the insurance terms and accepted the provisions on such major issues as exclusions and surrender, and that they have provided authentic and accurate information for application and are willing to be liable for any concealment or false declaration.

2)Customer service hotline：

CASIR：95539；

China Southern Airlines Insurance Brokers Co., Ltd.：4006380380；

Ping An Property & Casualty has 41 branches in Beijing, Tianjin, Shandong, Sichuan, Guangdong and Jiangsu etc.，Customer service line：95511；

Online self-service insurance claim: http://b2c.csair.com/B2C40/modules/services/insurance/apply.html

3) Insured Period

The insurance period of this insurance contract is subject to the commencement and termination dates as stated in the policy.

During the insurance period, the insurer provides coverage from the time when the insured leaves the PRC to the time when the insured returns to the PRC.

2. Insurance coverage and features

(1)Overseas Travel Accident Insurance

During the period of insurance, if the Insured suffers an accident during overseas travel and dies within 180 days due to the occurrence of such accident, the Insurer shall pay the death benefit according to the Accident Sum Insured specified in the policy and the Insurer’s liability for the Insured shall be terminated.

During the period of insurance, if the Insured is injured in an accident and suffers disability of any grade in the attached “Assessment Standards of Injury and Disability for Personal Insurance (standard code JR/T0083-2013, hereinafter referred to as “Assessment Standards of Injury and Disability”) within 180 days due to the occurrence of such accident, the Insurer shall pay injury and disability benefit by multiplying the Accident Sum Insured specified in the policy by the corresponding percentage in Assessment Standards of Injury and Disability. If the treatment still continues after 180 days, the Insurer will pay the injury and disability benefit according to the Insured's physical condition examination on the 180th day.

(2) Traffic Accidental Death Double Indemnity Insurance

In case the Insured dies within 180 days because of a traffic accident occurring during the Insurance Period when it is taking a public vehicle as a passenger, in addition to the Accidental Death Benefit paid under the main insurance, the Insurer will pay a “Traffic Accidental Death Benefit” to the beneficiary, which is the same amount as Accident Death Benefit.

(3) Hotel Accommodation Accident Insurance

During the period of insurance, if the Insured suffers an accident occurred within the hotel establishments range and dies within 180 days due to the occurrence of such accident, the Insurer shall pay the Death Benefit according to the Accident Sum Insured and the Insurer’s liability for such Insured shall be terminated.

During the period of insurance, if the Insured is injured in an accident occurred within the hotel establishments range and suffers injury and disability of any grade in the attached “Assessment Standards of Injury and Disability for Personal Insurance (Industry Standard)” (hereinafter referred to as “Assessment Standards of Injury and Disability”)  within 180 days due to the occurrence of such accident, the Insurer shall pay the Injury and Disability Benefit by multiplying the Accident Sum Insured by the corresponding percentage in the Assessment Standards of Injury and Disability. If the treatment still continues after 180 days, the Insurer will pay the Injury and Disability Benefit according to the Insured's physical condition examination on the 180th day

(4) Aviation Accident Insurance

During the period of insurance, if the Insured suffers an accident during taking passenger aircraft and dies within 180 days due to the occurrence of such accident, the Insurer shall pay the death benefit according to the Accident Sum Insured specified in the policy and the Insurer’s liability for the Insured shall be terminated.

During the period of insurance, if the Insured is injured in an accident during taking passenger aircraft and suffers disability of any grade in the attached “Assessment Standards of Injury and Disability for Personal Insurance (Industry Standard)” (hereinafter referred to as “Assessment Standards of Injury and Disability”) within 180 days due to the occurrence of such accident, the Insurer shall pay injury and disability benefit by multiplying the Accident Sum Insured specified in the policy by the corresponding percentage in Assessment Standards of Injury and Disability. If the treatment still continues after 180 days, the Insurer will pay the injury and disability benefit according to the Insured's physical condition examination on the 180th day.

(5) Medical Expenses Compensation Insurance

1) Overseas medical expenses benefit due to accidental injury or acute disease

During the period of this Rider, in the event that the Insured suffers any accidental injury or acute disease, once it is confirmed that the Insured needs medical treatment overseas, the Insurer shall indemnify the Insured “overseas medical expenses benefit due to accidental injury” or “Overseas medical expenses benefit due to acute disease” for the actually incurred medical expenses at the rate approved by the local government if the Insured is treated overseas as the needs completed or requested by the attending doctor according to the agreements in this Rider. The amount payable shall not exceed the limit of indemnity stated in the policy.

The aforementioned “medical expenses” include:

A. Hospitalization costs, including surgical fees.

B. Out-patient treatment, doctor diagnosis, prescription costs.

C. Prescription drugs, inspection and testing (including X-ray examination), nursing, medical supplies (such as bandages) and other expenses.

D. Limb auxiliary device (such as crutch, wheelchair) costs (provided that the Insured uses such device for the first time due to the insured event), the compensation for these costs per occurrence shall not exceed the limit of indemnity stated in the policy.

In the event that the Insured is unable to move his body and can not be transported home before the scheduled return trip as a result of accidental injury or sudden acute disease, during which the Insurer shall be liable for overseas medical expenses until the Insured can move. The period during which the Insurer is liable for the overseas medical expenses of the Insured shall not exceed forty-five (45) days from the date of occurrence.

2) Domestic hospitalization benefit due to accidental injury or acute disease

In the event that the Insured still needs to be treated in hospital after being transferred to the People's Republic of China, the Insurer shall indemnify the Insured “Domestic hospitalization benefit due to accidental injury” or “Domestic hospitalization benefit due to acute disease” for hospitalization expenses as a result of the same disease or the same accident suffered overseas, actually occurred within the territory of the People's Republic and covered under local social basic medical insurance. The period of indemnity shall be subject to thirty (30) days from the date of being transferred to China.

In the case that the Insured can obtain compensation for medical expenses from the publicly funded health care, social basic medical insurance, other compensatory medical insurance, government agencies or social welfare agencies, the Insurer shall only liable for the residual part.

In the case that the Insurer has no publicly funded health care, social basic medical insurance, other compensatory medical insurance, government agencies or social welfare agencies, or has never obtained compensation for medical expenses from the publicly funded health care, social basic medical insurance, other compensatory medical insurance, government agencies or social welfare agencies, the Insurer shall indemnify the amount insured for reasonable and necessary hospitalization expenses actually paid by the Insured, but shall not exceed twenty percent (20%) of relevant insurance amount under this Rider stated in the policy.

During the period of insurance, the aggregate amount payable by the Insurer under the above Item 1 and 2 shall not exceed of the relevant insurance amount stated in the policy.

3) Accidental dental care services benefit

In the event that the Insured is arranged for any dental care service in order to ease the pain after his/her case of accidental injury during the period of overseas travel, the Insurer shall pay "Accident dental care services benefit" for reasonable and necessary expenses (including first visit and subsequent visit) actually spent simple or temporary fill or repair treatment so as to restore the functions of dentures or succession teeth according to the agreements in this Rider, but shall not exceed the relevant insurance amount stated in the policy.

The Insured shall be liable for the amount by the Insured him/herself within the agreed deductable for each dental care service.

(6) Emergency Medical Assistance Insurance

During the period of insurance, if the Insured suffers an accidental injury or acute illness during the course of oversea travel, he/she is obligated to immediately contact the Insurer’s authorized Assistance Organization through the call center, thus the Assistance Organization and its authorized doctors will provide the following emergency assistances and the Insurer will undertake relevant expenses arising therefrom within the Insurance Amount:

a. Emergency medical transfer and repatriation

In the event that the Insured suffers from an accidental injury or acute illness when travelling overseas (specific information refers to the declaration by the Insured), proceeding to the destination or returning therefrom to China, and receives medical treatment in a hospital, once the authorized doctor confirms that the hospital is unable to provide adequate treatment and the Insured needs further treatment, the Assistance Organization will arrange appropriate means of aid and medical escort team to transfer the Insured to a proper hospital, and repatriate the Insured back to his/her Place of Usual Residence by suitable means of communication and attenders according to the Insured’s status. All of the transfer and repatriation services should be subject to the prior written approval and arrangement of the Assistance Organization and the maximum payment shall not exceed the Insurance Amount specified in the Policy.

b. Body/Cremains Repatriation

If the Insured dies overseas due to an accidental injury or acute illness, the Assistance Organization will arrange to repatriate the Insured’s body or cremains to his/her Place of Usual Residence without violation of the local overseas laws. The Insurer will be liable for the repatriation cost that is subject to the Insurance Amount specified in the Policy.

c. Repatriation of the minor children of the Insured

In the event that any minor children under 16 years of age who are travelling together are unattended due to the accidental injury or acute disease suffered by the Insured, the Assistance Organization will repatriate the minor children to his/her Place of Usual Residence and the Insurer shall be liable for such repatriation cost. When necessary, the Assistance Organization will arrange a eligible escort for the minor children. The Insurer will exert itself to use the original return ticket and will take back the ticket for handling if it is invalid. The maximum payment for such service is RBM 40,000.

d. Burial/ Funeral Abroad Benefit

If the Insured dies overseas due to an accidental injury or acute illness, at request of the Insured’s relative and without violation of the local overseas law, the Assistance Organization or its authorized representative will arrange to bury or encoffin the deceased locally overseas, and the Insurer will undertake relevant funeral costs or the cost of the standard coffin (in case of body) , subject to RBM30,000.  

e. Passionate Visit

If the authorized doctor and the attending doctor both confirm that the Insured’s hospitalisation overseas looks likely to last for more than 7 days (not including 7 days), at request of the Insured and upon the consent of the Assistance Organization, one of the Insured’s adult direct relatives may have a passionate visit trip that shall not exceed 5 days to the Insured’s place of hospitalisation, and the Insurer will undertake the normal economic air ticket or hard sleeper train ticket for such trip and the accommodation fees not exceeding RMB 1500 /day.

f. Delivery of Required Medicine and Medical Equipment

The Insurer will provide the medicine and medical equipment that are short and required by the Insured in case of non-violation of the local laws. The Insurer only undertakes the delivery cost that is subject to RBM 20,000 and the cost of the medicine and medical equipment shall be borne by the Insured himself/herself.

g. Emergent Medical Consultation Service

If Insured feels unwell and needs relevant medical consultation, he/she can call service number to obtain such medical consultation.

(7) Loss of Travel Ticket and Certificate Insurance

During the period of insurance, if the Insured’s travel ticket and certificate (refers to passport, travel traffic ticket and other necessary certificates fir this trip) suffer a loss due to plunder or theft during the oversea travel, the Insurer shall indemnify the Insured for the official charges to obtain a same new certificate and extra reasonable and necessary traffic fee and hotel expense incurred by the Insured for obtaining such same new certificate as per the agreement of this rider, subject to the Insurance Amount specified in the Policy.

(8)Flight delay

a.If the flight that the insured plans to take is delayed by 3 hours or more due to bad weather, natural disasters, mechanical failure, strikes, hijacking or sabotage, temporary protests of other air, maritime workers, terrorist acts, air traffic control or airline overbooking, and the insured does take the flight to the destination, he/she can make a claim. If the flight that the insured plans to take is canceled due to any of the above reasons and the insured is delayed for three hours or more consecutively, the insured can make a claim, provided that the insured takes an alternative flight arranged by CSAir to the destination.

b.Delay time is determined by the following time, whichever is longer: (1) from the scheduled departure time to the actual time of departure, or to the departure time of alternative transportation arranged by the airline; or (2) from the scheduled arrival time to the actual time of arrival time, or to the arrival time of alternative transportation arranged by the airline.

c.Compensation standard: RMB300 for 3-hour delay, RMB100 for additional one-hour delay, the maximum compensation being RMB600.

d.If the insured does not take the original flight or its substitute flight, or claims refund, he/she is allowed to cancel the policy and no insurance payment will occure.

e.If the actual arrival time of the substitute flight arranged by the carrier is earlier than the scheduled arrival time of the original flight of the insured or the insured does not take the earliest substitute flight arranged by the carrier, then no insurance payment will occur.

f.This insurance policy won’t underwrite the flight delay or cancellation caused by the flight seasonal plan adjustment.

g.If the Insured willingly applies for more than one insurances which have the same coverage under different insurances (excluding the insurance of which the policy-holder is a group) underwritten by the Insurer for the same oversea working purpose, the Insurer will make the indemnity only under the policy that has the highest insured amount, and refund the corresponding insurance premiums collected under the same coverage for other insurances.

(9)Baggage delay

During the period of insurance, if the Insured’s checked baggage during the oversea travel dose not arrive within the specified time after the carrying conveyance has arrived the destination, according to the Policy, the Insurer will make the payment as per the corresponding specified Insurance Amount.

(10) Kidnapping and Illegal Detention

During the period of insurance, the Insurer shall indemnify the Insured in accordance with the daily amount of indemnification specified in the policy and the actual days that the Insured has been kidnapped or illegally detained if the Insured is kidnapped or illegally detained during travel.

(11) Loss of Checked Baggage Insurance

During the period of insurance, if the Insured’s checked baggage that is controlled by the carrier is lost or damaged due to the carrier’s or any other third parties’ liability during the Insured’s oversea travel, the Insurer will indemnify the actual value or repair costs of the baggage, whichever is lower, as per the agreement of this rider, subject to the Insurance Amount specified in the Policy.

For photo, film, video, audio or media data, the Insurer will only pay the value of the material carrying such photo, film, video, audio or media data, excluding the date itself.

(12) Theft and Robbery of Bank Card and Check

During the period of insurance, in case the bank card or check carried by the Insured is lost, pilfered, robbed or grabbed, which results an unauthorized person to use the bank card or check in the following circumstances, the Insurer shall indemnify the Insured for the loss of funds caused by the same reason under the account opened in the card issuer within the limit of indemnity for this Rider specified in the policy after deducting the deductibles:

1. Use the bank card or check to withdraw deposit or transfer at the bank counter;

2. Use the bank card or check to withdraw deposit or transfer at an ATM;

3. Use the bank card for consumption, including not limited to online shopping.

However, the loss of funds must occur within 48 hours before reporting the loss of bank card or check during the valid period of this Rider and the Insured must report the loss of bank card or check within 24 hours after the bank card or check is lost, pilfered, robbed or grabbed.

(13) Household Property Insurance

During the period of insurance, if the indoor insured property located at the Insured’s place of usual residence within the territory and specified in the Policy is damaged by the following reasons during the Insured’s oversea travel, the Insurer shall be liable for the direct loss or damage according the agreement of this rider. The Insurer will calculate the payment as per the insured property’s actual value at the time of loss or the repairing expenses, whichever is lower, subject to the Insurance Amount specified in the Policy:

a.Fire and explosion;

b.The falling of flying objects, collapse of external objects;

c.Typhoon, windstorm, rainstorm, tornado, lightning strike, flood, hail, snow, cliff slide, icicle, mud-rock flow, and earth subsidence or sinking caused by natural disaster.

3. Exclusions

Please refer to the insurance clauses

4.Age limit： The entry age of the insured must be within the scope from 14days to 80 years old

5. Excluded groups

(1) Individuals who have had epilepsy, psychosis or schizophrenia;

(2) Individuals whose travel aboard is for the purpose of diagnosis, treatment or seeking other medical services;

(3) Pregnant women;

(4) Individuals who are not suitable for overseas travel according to a medical practitioner;

(5) Insureds whose overseas travel is for the purpose of immigration or settling down abroad with no intention of come back to China in the short term;

(6) Insureds who have had certain illness and are waiting for treatment;

(7) Insureds who have been out of the People’s Republic of China when applying for this insurance;

6. Excluded regions: The latest information of excluded regions shall be subject to the result on www.pingan.com .

7. Insurance coverage limit： Each customer is limited to one purchase of insurance while the excessive part shall be void.

8. Premium payment: Passengers applying for this product shall pay the premium and the air fare at the same time

9. Insurance contract: Passengers choose to purchase this product while booking a plane ticket and payment of the premium shall constitute the signing of the insurance contract.

10. Insurance policy： For this insurance, we adopt the innovative e-insurance sales model. After enrollment is completed and the policy is generated, you can inquire about and download the electronic policy and insurance clauses through your China Southern Airlines order. download link：https://b2c.csair.com/B2C40/modules/services/insurance/apply.html. This insurance policy is an electronic policy in both Chinese and English. If you need to apply for a visa, please use a color laser printer to print this policy on the A4 paper, which has the same legal force. If you need a paper policy, please dial Ping An Insurance’s customer services hotline 95511 and ask Customer Service for it.

11. Insurance invoice： This insurance provides electronic invoice.You can download the insurance electronic invoice by youself through https://b2c.csair.com/B2C40/modules/services/insurance/apply.html .

12.Authenticity Checking Telephone Number

a. Customer service line of the China Southern Airlines Website : 40066-95539.

b. China Southern Airlines Insurance Brokers Co., Ltd.：4006380380。

c. Customer service line of Ping An Insurance：95511

13. Information security: We undertake to keep the passengers' (the insureds) identity and enrollment information confidential and ensure trading security.

14. Claim settlement

（1）Ping An Insurance’s 24-hour global assistance hotline : +86 755 95511. Be sure to dial the global assistance hotline to report a claim as soon as you can after the incident in order that the insurer and the assistance company can provide medical assistance to you as soon as possible. If you handle the case by yourself without dialing the assistance hotline, your claim might be rejected.

（2） In case that you don’t need overseas medical assistance services, please dial Ping An Insurance’s customer services hotline 95511 to report the claim immediately after you return home from abroad, and submit relevant claim settlement materials to the insurer.

（3） Claim settlement

15. Policy change and surrender

(1) ①after the departure of the first flight, the travel schedule will be changed without changing the policy, and the travel beyond the "insurance period" will not be covered.

② All flights are not used. If the airline tickets are changed, international insurance will be processed.

② All flights are not used. If the airline tickets are changed, Overseas Travel Insurance will be processed.

(2) ①before the flight takes off, passengers can contact the China Southern Airlines Customer Service Hotline 95539 for refund and apply for surrender.

②after the flight takes off, if the passenger ticket is not used in 24 hours, it can contact the Southern Airlines Service Hotline 95539 to apply for a refund and apply for the remission and not be refunded for more than 24 hours.

(3) No policy surrender is allowed after the policy expires.

1) How can I buy CSAir E- Travel Insurance?

You can buy E- travel insurance when booking tickets at www.csair.com or through your mobile phone APP.All natural persons who travel abroad from the PRC and eventually return to China can apply for the insurance, and they need to take out this insurance before leaving the PRC, otherwise the policy will be null and void.

All natural persons who travel abroad from the PRC and eventually return to China can apply for the insurance, and they need to take out this insurance before leaving the PRC, otherwise the policy will be null and void.

2) Do I have to designate the insurance beneficiary?

When buying the insurance, if you do not designate a beneficiary of death benefits, the death benefits will be paid to your heirs, other insurance benefits except death benefits will be paid directly to you or the insured.

3) I purchase the insurance for getting a visa. Do you have any tips on buying the insurance?

According to requirements of embassies and consulates, medical coverage of acceptable Schengen visa insurance shall be at least EUR30,000. Therefore, please note whether your policy limits and policy insurance period meet the requirements of consulates before submitting an application for a visa.

4) In case of an insurance incident abroad, how to obtain emergency assistance?

Ping An Insurance’s 24-hour global assistance hotline : +86 755 95511. Be sure to dial the global assistance hotline to report a claim as soon as you can after the incident in order that the insurer and the assistance company can provide medical assistance to you as soon as possible. If you handle the case by yourself without dialing the assistance hotline, your claim might be rejected.

5) How shall I dial the assistance call abroad?

When you need to get assistance services abroad, please contact the 24-hour customer services center:

When you dial with a mobile phone, please dial + 86 755 95511 (long press the number key 0 or * to enter “+”)

When you dial with a landline telephone, please add the international prefix (usually 00, slightly different in few countries, please inquiry about it before making a call) before 86 755 95511.

If you need to ask for some information within the Mainland China, please directly dial 95511.

6) How the destination in my policy is chosen?

The default destination as specified in the policy is the country where the outbound flight ultimately lands. If you also go to other countries, you are still covered by this insurance.

17.Insurance Clauses

The case of any discrepancy between the above webpage and the insurance clauses concerning flight delay, or luggage delay/loss,the webpage information shall prevail.

《PingAn Overseas Travel Insurance Clauses》

18.Insurance Broker Commission Contract And Customer Notification

Insurance Broker Commission Contract

Thanks to the customer (hereinafter referred to as “Party A”), China Southern Airlines Insurance Brokers Co., Ltd. (hereinafter referred to as “Party B”) is entrusted to handle insurance business. This contract is a valid agreement between Party A and Party B. Party B shall provide insurance brokerage services to Party A in accordance with the provisions of this contract, and Party A shall enjoy the rights and obligations of this contract.

The terms of this contract have a significant relationship with Party A's rights and interests. Party A is requested to confirm that Party A has fully read, understood and accepted all the contents of this contract before agreeing to accept insurance brokerage services (hereinafter referred to as "this service"). If Party A checks/clicks "Read and agree", "Agree to the terms of the contract" or otherwise chooses to accept this contract through the insurance order page, it means that Party A fully agrees and accepts all the terms of this contract.

Article 1 Party A entrusts Party B as an insurance broker to represent or assist Party A in handling insurance related matters.

Article 2 The specific matters of commission and service are as follows: 1. to assist Party A in handling various buying of insurance ; 2. to collect and pay the insurance premium and surrender premium of Party A on behalf of Party A; 3. to provide insurance consultation for Party A during the insurance period; 4. to assist Party A in handling insurance claims during the insurance period.

Article 3 Dispute Resolution 1. The validity, interpretation, alteration, enforcement and dispute resolution of this contract shall be governed by the laws of the People's Republic of China. 2. The dispute arising from this contract shall be settled through friendly negotiation between the two parties. If it is unable to reach an agreement, the court in the place where Party B is located shall be the court of first instance.

Customer Notification

Dear Customer:

Thank you for entrusting our company to handle insurance business on your behalf. Our company is an insurance professional intermediary agency that provides intermediary services for insurance applicants and insurance companies to enter into insurance contracts based on the interests of policyholders. In order to protect your legal rights and interests, in accordance with the requirements of the "Regulations on the Supervision of Insurance Brokers", our company fulfills the obligation of informing customers and informs the relevant matters as follows. Please read carefully:

1. Introduction of the Company (1)Name: China Southern Airlines Insurance Brokers Co., Ltd. (2) Address: Room 01E1, 5th Floor, Building 2, Gaosheng Square, No. 163 Yingbin Avenue, Huadu District, Guangzhou (3) License Name and Number: Operating Insurance Brokerage Business License Number 269705000000800 (4) Scope of business: to formulate insurance plans for insurance applicants, select insurers, apply for insurance procedures, assist insured or beneficiaries to make claims; reinsurance brokerage business; provide disaster prevention, loss prevention or risk assessment, risk management consulting services; other businesses approved by the China Insurance Regulatory Commission In China (except Hong Kong, Macao and Taiwan) (5) Business area: within China (except Hong Kong, Macao and Taiwan) (6) Contact information: 4006380380

2. Please read the insurance clause carefully, focusing on insurance liability, liability exemption, insured rights and obligations, deductible or deductible calculation, health insurance product waiting period, etc., and may require the company's business personnel to explain the above contents in detail.

3. Please explain the relevant provisions of the Insurance Law of the People's Republic of China on the limitation of claims, the time limit for insurance companies to settle claims, the termination and invalidation of contracts, the insurance quota for minors, and the failure to fulfill the obligation of telling the truth, deliberately causing insurance accidents or exaggerating accidents. Legal consequences resulting from loss, unreal age of declaration, etc.

4. Please pay attention to the branch office information of the insurance company'. If your insurance is purchased in areas where the insurance company does not have a branch office., subsequent services may be affected.

5. According to the provisions of the Insurance Law of the People's Republic of China, if an insurance brokerage institution causes losses to the policyholder or the insured due to the fault, it shall be liable for the compensation according to the law.

6. The Company has fully insured the professional liability insurance in accordance with the “Regulations on Insurance Brokers”.

7. The company does not charge from customers, but the company can get commissions from insurance companies.

8. The senior managers of the company and the company does not have any relationship with the insurance companies and other insurance intermediaries related to the brokerage business. If you find that the company's employees are misleading and doing things that harm your legitimate interests, you can file a complaint with the company. The number for complaints is 4006380380.

Customer Statement: China Southern Airlines Insurance Brokers Co., Ltd. has explained the matters related to insurance, and I/the organization also understands the above contents clearly.

China Southern Airlines Insurance Brokers Co., Ltd.

• Company Profile
• News &Notice
• Investor Relations
• Business License
• Air Operator's Certificate
• Customer service
• Booking Policy
• China Southern Airlines Canada Accessibility Plan and Feedback Process 2023-2026
• Extra products
• Special assistance
• Third-party services
• Ground Handling
• Office rental&Hotel

• Try Now For Free
• Family Law Resources

10 types of clauses to include in parenting plans or parenting orders

When a couple separates, it can be a difficult time – especially when children are involved.

Should you and your partner decide to separate, and you have dependent children together, the family law system encourages both parents to work out amicable arrangements for the children, either through a Parenting Plan or a Parenting Order.

What is a parenting plan?

A Parenting Plan is a written document which sets out the agreed arrangements that have been put into place for your children. This doesn’t require having to go to Court.

What is a parenting order?

A Parenting Order is a list of legally enforceable instructions made by a Court concerning the parenting arrangements of a child involved in a separation or divorce. Either this Parenting Order is based on an agreement between the parties and legally recognised (known as consent orders) or after a Court hearing or trial.

What types of clauses should a parenting plan or parenting order include?

No relationship is the same.

Because of this, there is no official set template or parenting clause checklist. So, while there are many different clauses that can be included in parenting orders or parenting plans for the ongoing care arrangements for children, the most common include:

• Parental responsibility for the children – who makes what decisions for the children
• The living arrangements for the children during the school term – including where they stay and how they get to and from school
• The living arrangements for the children during school holidays – this may detail out a roster for certain vacation periods or school breaks
• The arrangements for special days including birthdays, Easter, Christmas – special conditions or agreements may be applied for certain events
• Changeover locations and times – including perhaps a calendar of pick up and drop off times for children
• Access to information about the children including educational and medical information – which can mean sharing the details of each child
• Telephone and video communications between the children and each parent – it’s often important to set boundaries around who can connect with each child at certain times
• Restrictions on the children relocating outside a certain distance – stipulating where a child can live so as to not separate too far from each parent
• Non-denigration clauses that prevent denigration of parents and extended family members – this involves being firm about unfairly criticising or insulting the other partner or their family members in front of the children
• Interstate and overseas travel arrangements including obtaining and maintaining passports for the children. – being clear about what travel is allowed and what is required for this process

Having these set of clauses means that both parents understand what rules and responsibilities each have for the children involved in a separation.

In general, these clauses should be realistic, practical and in the best interests of the children.

Not every Parenting Arrangement will include the same clauses and this list is not exhaustive. It’s recommended to consider what parenting separation clauses you need to include to suit your specific circumstances – if you’re unsure, then you may wish to consider legal advice.

If in doubt, seek legal advice about making agreements for the arrangements for children.

As featured on

• Intermediary

Overseas Travel Ease Policy (Business & Holiday)

Travel Insurance Policy

• CIS Overseas Travel Ease (Business & Holiday) (548 KB)
• Overseas Travel Ease B & H-Brochure-Final-1 (2 MB)
• Policy Clause Overseas Travel Ease Policy (Business & Holiday) (690 KB)
• Proposal Form - Overseas Travel Ease (1 MB)
• Prospectus - Overseas Travel Ease Policy (978 KB)

Highlights of cover

• Entry Age: 6 months - 80 Years.  Beyond 80 years upto 90 years, proposals need to be referred to H.O. and acceptance will be on merits of the case.
• Plan Options : Basic, Economy, Advanced, Elite and Supreme - available World wide
• Sum Insured  : USD 25,000; USD 50,000; USD 100,000; USD 250,000 and USD 500,000

Medical Covers

• Medical Expenses for sudden sickness or injury
• Emergency Dental Treatment
• Medical Evacuation Expenses
• Repatriation Expenses
• Hospital Cash

Travel Related Covers

• Missed Connection
• Trip Cancellation
• Loss of Passport
• Emergency Financial Assistance
• Delay in checked in baggage
• Loss of checked in baggage

Other covers

• Personal Accident
• Hijack Allowance
• Personal Liability

Salient Features

• Loyalty Discount of 10% for domestic retail health policy holders
• Digital Discount of 10% is applicable
• Staff Discount of 33.3% is applicable
• Refund for early trip completion.
• Extension of policy period
• Change in travel itinerary

Some of the exclusions are as follows: (The list is only indicative and not exhaustive. Please refer to the policy document for full details.)

This entire Policy consisting of its various sections does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, in respect of:

• Any Pre-existing condition and complication arising from it.
• Travelling against medical advice or being wait listed for receiving medical treatment.
• Being under influence of drugs, alcohol or other intoxicants.
• Participation in hazardous activities
• Pregnancy and all related conditions.
• Congenital anomalies
• Osteoporosis
• Serving in the armed forces.
• Routine tests or examination not consistent with the diagnosis or treatment of the covered illness.
• Any type of vaccination or inoculation.
• Treatment obtained within the Republic of India unless as stated.

Note: For complete details of the product, please refer to the policy document and or prospectus

Table of benefits and Sum insured

UIN NO: NIATIO22220V012122

Quick Links