Overseas Travel Insurance
Overseas Travel Insurance
Overseas Travel Insurance
A. PREAMBLE
This is a contract of insurance between the Company and the Policyholder which is subject to the realization of the full premium in advance and the terms,
conditions and exclusions to this Policy. This Policy has been issued on the basis of the Disclosure to Information Norm, including the information provided by
Policyholder in respect of the Insured Person in the Proposal and the Policy Schedule.
Please inform the Company immediately of any change in the address, state of health or any other changes affecting you or any Insured Person.
B. DEFINITIONS
For the purposes of this Policy and Endorsements, if any, the terms mentioned below shall have the meaning set forth where the context so requires,
references to the singular shall also include references to the plural and references to any gender shall include references to all genders. Further any
references to statutory enactment include subsequent changes to the same.
1. Standard Definitions
1.1. Accident shall mean a sudden, unforeseen and involuntary event caused by external, visible and violent means.
1.2. AYUSH Hospital: An AYUSH Hospital is a healthcare facility wherein medical/surgical/para-surgical treatment procedures and interventions are carried
out by AYUSH Medical Practitioner(s) comprising of any of the following:
i) Central or State Government AYUSH Hospital; or
ii) Teaching hospital attached to AYUSH College recognized by the Central Government/Central Council of Indian Medicine/Central Council for Homeopathy;
or
iii) AYUSH Hospital, standalone or co-located with in-patient healthcare facility of any recognized system of medicine, registered with the local authorities,
wherever applicable, and is under the supervision of a qualified registered AYUSH Medical Practitioner and must comply with all the following criterion:
a. Having at least 5 in-patient beds;
b. Having qualified AYUSH Medical Practitioner in charge round the clock;
c. Having dedicated AYUSH therapy sections as required and/or has equipped operation theatre where surgical procedures are to be carried out;
d. Maintaining daily records of the patients and making them accessible to the insurance company’s authorized representative.
1.3. AYUSH Day Care Centre: AYUSH Day Care Centre means and includes Community Health Centre (CHC), Primary Health Centre (PHC), Dispensary, Clinic,
Polyclinic or any such health centre which is registered with the local authorities, wherever applicable and having facilities for carrying out treatment
procedures and medical or surgical/para-surgical interventions or both under the supervision of registered AYUSH Medical Practitioner (s) on day care basis
without in-patient services and must comply with all the following criterion:
i) Having qualified registered AYUSH Medical Practitioner(s) in charge;
ii) Having dedicated AYUSH therapy sections as required and/or has equipped operation theatre where surgical procedures are to be carried out;
iii) Maintaining daily records of the patients and making them accessible to the insurance company’s authorized representative.
1.4. Cashless facility means a facility extended by the insurer to the insured where the payments, of the costs of treatment undergone by the insured in
accordance with the policy terms and conditions, are directly made to the network provider by the insurer to the extent pre-authorization is approved.
1.5. Condition Precedent means a policy term or condition upon which the Insurer's liability under the policy is conditional upon.
1.6. Congenital Anomaly means a condition which is present since birth, and which is abnormal with reference to form, structure or position
a) Internal Congenital Anomaly
Congenital anomaly which is not in the visible and accessible parts of the body.
b) External Congenital Anomaly
Congenital anomaly which is in the visible and accessible parts of the body.
1.7. Co-payment means a cost sharing requirement under a health insurance policy that provides that the Policyholder/Insured will bear a specified
percentage of the admissible claims amount. A Co-payment does not reduce the Sum Insured.
1.8. Cumulative Bonus: Cumulative Bonus means any increase or addition in the Sum Insured granted by the insurer without an associated increase in
premium.
1.9. Day care centre means any institution established for day care treatment of illness and/or injuries or a medical setup with a hospital and which has been
registered with the local authorities, wherever applicable, and is under supervision of a registered and qualified medical practitioner AND must comply with
all minimum criterion as under –
2. Specific Definitions
2.1. Age means age of the Insured person on last birthday as on date of commencement of the Policy.
2.2. Ambulance means a road vehicle operated by a licensed/authorized service provider and equipped for the transport and paramedical treatment of the
person requiring medical attention.
2.3. Air Travel shall mean travel by an airline/ aircraft, licensed by the competent authority for carriage of passengers.
2.4. Appendix means a document attached and marked as Appendix to this Policy.
2.5. AYUSH Treatment refers to hospitalisation treatments given under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems
2.6. Assistance Service Provider (ASP) means such person or persons as may be appointed by the Company from time to time to provide assistance to the
Insured in terms of this Policy.
2.7. Baggage and Personal Effects / Documents shall mean luggage and personal possessions, whether belonging to and/ or in the lawful custody of the
Insured during the Trip.
2.8. Burglary shall mean any theft following upon actual, forcible and violent entry of and/ or exit from the premises of the Insured with intent to commit a
felony and includes housebreaking.
2.9. Checked-In Baggage shall mean the baggage entrusted by the Insured and accepted by a Common Carrier for transportation for which a baggage receipt
is issued to the Insured by the Common Carrier. This shall exclude all the items that are carried/ transported under a contract of affreightment.
2.10. Claim means a demand made in accordance with the terms and conditions of the Policy for payment of the specified Benefits in respect of the Insured
Person.
2.11. Claimant means a person who possesses a relevant and valid Insurance Policy which is issued by the Company and is eligible to file a Claim in the event
of a covered loss.
2.12. Company (also referred as We/Us/EGIC) means Edelweiss General Insurance Company Limited.
2.13. Common Carrier means any civilian land or water conveyance or Scheduled Aircraft in each case operated under a valid license for the transportation
of passengers for hire.
2.14. Contents:
2.14.1. In so far as it relates to household (Contents of Property insured), it shall mean the following equipment’s not used for business purposes and owned
by the Insured or his family or for which the Insured and/ or his family is legally responsible i.e. for electronic equipment, household appliances, house hold
goods such as furniture, kitchen utensils, fixtures, fittings and interior decorations; personal effects such as clothes and other articles of personal nature
likely to be worn used or carried but excluding money but including jewellery and valuables. The term shall exclude cash and/ or currency and/ or cheques;
2.14.2. In so far as it relates to Checked-In Baggage, it shall mean and include any and all items other than Valuables contained in the Checked in Baggage.
2.14.3. In so far as it relates to the rented vehicle, it shall mean and include any and all items other then cash and / or currency and / or Cheques / and /or
valuables belonging to and/ or in the lawful custody of the Insured, being carried by him while traveling in the rented vehicle.
In no event will benefits continue to be provided by Us for any Covered Medical Expenses incurred after the Expiration Date of the Policy or Your return to India
whichever is earlier However if, You are still confined in a Hospital overseas after the Expiration Date of the Policy, and Emergency Medical Evacuation is not
appropriate or recommended by the Assistance Service Provider within the policy period, and continued treatment overseas as an Inpatient in a Hospital is
Medically Necessary, we will continue to provide the benefits for Covered and admissible Medical Expenses incurred up to the Discharge from hospital even
after the Expiration Date of the Policy within the sum insured.
The deductible in respect of this benefit will be applicable if any for Per Disease / Illness/ Injury/Loss, and shall be of an amount as specified in the Policy
Schedule
These transportation expenses would be limited to transporting the Insured from the place of contracting/ sustaining Illness/ Injury to the nearest appropriate
Hospital or return to India. Provided that such cost are certified and authorized by the Assistance Service Provider of and/ or by the Company. They will only
do this if they and the treating doctor think that it is safe for you to be moved or returned to India and You provide a consent for this.
An Emergency Evacuation must be ordered by the Assistance Service Provider and Physician who certifies that the severity or the nature of Your Injury or
Sickness warrants Your Emergency Evacuation.
This coverage will be limited to and included in the Sum Insured of Accident & Sickness Medical Expense Benefit as specified in the policy Schedule, per policy
period.
All Emergency medical evacuation arrangements must be approved in advance by Assistance Company / Us even in case of reimbursement of expenses later.
• This cover is applicable if the treatment of injury shall commence during the period of insurance immediately after diagnoses of such injury.
• It will not cover rescue operations in case of natural calamities/ riots when there is no emergency due to accident/sickness.
II) In this Benefit: a) Limb means a hand at or above the wrist or a foot above the ankle; b) Loss of Limb means: i. the physical separation of a Limb above the
wrist or ankle respectively, or ii. the total loss of functional use of a Limb for at least 365 days from the date of onset of such disability, where such cases would
be accepted, basis of certification from Independent medical advisor from Govt hospital/ civil surgeon. c) Includes cover for paralysis, including paraplegia and
quadriplegia with loss of functional use of Limbs. d) Once a claim has been accepted and paid under this Benefit, the cover under this Benefit shall immediately
and automatically cease to be effective in respect of that Insured Person. Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule
In this Benefit: a) Loss means: i) the physical separation of a body part, or ii) the total loss of functional use of a body part or organ, where such cases would
be accepted, basis of certification from Independent medical practitioners from Govt hospital/ civil surgeon. b) If an Insured Person suffers a Loss not
mentioned in the table above, then We will assess the degree of disablement with independent medical practitioners and determine the amount of payment to
be made. c) If a Claim in respect of a whole member (any organ, organ system or a limb) also encompasses some or all of its parts, our liability to make
payment will be limited to the member only and not any of its parts or constituents. d) Any claim made under this benefit will not terminate the Policy. e) If more
than one Loss results from any one Accident, only one amount, the largest, will be paid. Our maximum liability will be limited to the Sum Insured mentioned in
the Policy Schedule within the basic sum insured of the Policy. Any payment made under this benefit shall be deducted from any Accidental Death and/or
Permanent Total Disability, if opted for under this Policy, which ultimately becomes payable under this Policy as a result of the Accident. In case of Floater
policies claim would be paid on the basis of Sum Insured as mentioned in policy schedule if any of the member suffers a loss as per the covers opted.
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule which is within basic sum insured of policy.
The above benefit shall also cover any Injury caused due to Felonious Assault and the Company shall pay the Sum Insured as specified against this benefit in
the Policy Schedule.
II) In this Benefit: a) Limb means a hand at or above the wrist or a foot above the ankle; b) Loss of Limb means: i. the physical separation of a Limb above the
wrist or ankle respectively, or ii. the total loss of functional use of a Limb for at least 365 days from the date of onset of such disability, where such cases would
be accepted, basis of certification from Independent medical advisor from Govt hospital/ civil surgeon. c) Includes cover for paralysis, including paraplegia and
quadriplegia with loss of functional use of Limbs. d) Once a claim has been accepted and paid under this Benefit, the cover under this Benefit shall immediately
and automatically cease to be effective in respect of that Insured Person. Our maximum liability will be limited to the Sum Insured mentioned in the Policy
Schedule within the basic sum insured of the Policy. Any payment made under this benefit shall be deducted from any Accidental Death and/or Permanent
Partial Disability, if opted for under this Policy, which ultimately becomes payable under this Policy as a result of the Accident.
c. Permanent Partial Disability: In the event of Accidental Bodily Injury causing the total and irrecoverable loss of sight of one eye, or total and irrecoverable
loss of use of a hand or a foot, We will pay Percentage of the Sum Insured stated in the below table
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule which is within basic sum insured of policy.
Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule within basic sum insured of policy.
The deductible, if any, in respect of this benefit will be applicable and shall be of an amount as specified in the Policy Schedule.
In respect of all claims payable hereunder, the Company may effect settlement in the form of reimbursement of the amount of claim to the Insured.
Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule within basic sum insured of policy.
We will not make payment for the deductible period per event, as mentioned in the Policy Schedule.
The coverages, terms & conditions, exclusions mentioned in BENEFIT no. 2.1.1 (Accident & Sickness Medical Expense Benefit), 2.1.2 (Emergency Medical
Evacuation) ,2.1.3 (Repatriation of Remains) will be applicable in this benefit.
This cover triggers, if the claim is made for emergency medical treatment rendered in case of life threatening medical condition during the period of insurance
for any sudden, unexpected unforeseen development attributed to any pre-existing disease.
In this cover event, measures solely designed to relieve acute pain, provided to the Insured by the Physician for Disease/accident arising out of a pre-existing
condition would be reimbursed. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from acute
pain.
Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule within basic sum insured of policy.
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule within basic sum insured of policy.
The liability of the Company shall be determined based on the market value of the Contents of the Checked-In Baggage (excluding, however, the value of
Valuables) as on the scheduled/ expected date of delivery at the destination port. In case of loss of more than one Checked-In Baggage, the Company's liability
in respect of any one baggage shall be limited to 50% of the maximum liability specified in the Schedule of the Policy.
In an event where the lost Checked-In Baggage is subsequently delivered to the Insured, the Insured shall refund in full the sum paid by the Company
hereunder, provided that, the Company shall separately consider the Insured's eligibility for recovery of claim under the cover 2.2.5 Checked Baggage Delay
Benefit under the Policy.
In case the market value of any single item of the Contents (excluding Valuables) of a Checked-In Baggage shall exceed USD 100, the Company's liability shall
be limited to USD 100 only.
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule within basic sum insured of policy.
If there is a claim settlement under Delay of checked in baggage section related to any item covered under this section, then claim under this section shall be
reduced to the extent of benefit received under Delay of checked in baggage section.
Special Condition
• In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be obtained from the airline
• No partial loss or damage shall become payable.
The Company shall also pay a fixed benefit amount of USD 50 towards any and all incidental expenses that might be incurred by the Insured in connection
with obtaining the emergency certificate. However, no sum shall be payable under this Benefit if the Insured does not produce the official receipt of the fee
paid for the issue of the emergency certificate. Also the Company shall not be liable to pay for the Deductible amount as mentioned against this Benefit in the
Policy Schedule.
Further the Company shall also reimburse the cost incurred by the Insured towards the prescribed application fee payable to the concerned authorities in the
Country of Residence of the Insured for issue of a duplicate passport and a fixed sum equivalent to USD 25 for any incidental expenses incurred by the Insured
as on the date of application for the duplicate passport, provided that, the entire sum in relation to obtaining a duplicate passport in the Country of Residence
of the Insured shall be paid in local currency of the Country of
Residence of the Insured, provided that, the Company's liability shall be limited to the Sum Insured specified in the Policy Schedule.
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule within basic sum insured of policy.
b. The Company shall not settle any claim without the express consent of the Insured, but if the Insured refuses an available settlement recommended by the
Company then the Company’s liability shall thereafter be restricted to the amount by which the claim could have been settled.
c. The Insured shall give a written notice to the Company as soon as reasonably practicable of any claims made against the Insured (or any specific event or
circumstances that may give rise to a claim being made against the Insured) that shall become the subject of indemnity under this Benefit and shall give all
such additional information as the Company may require.
d. The Company will have the right but in no case the obligation, to take over and conduct in the name of the Insured the defence of any claims and will have
full discretion in the conduct of any proceedings and in the settlement of any claim and having taken over the defence of any claim in relinquishing the same.
All amounts expended by the Company in the defence, settlement and/ or payment of any claim, will correspondingly reduce the limits of indemnity specified
in the Schedule of the Policy.
e. In the event the Company, in its sole discretion, chooses to exercise its right pursuant to this condition, no action taken by the Company in the exercise of
such right will serve to modify or expand in any manner, the Company's liability or obligations under this Benefit beyond what the Company's liability or
obligations would have been had it not exercised its rights under this condition.
f. The Insured shall give all such information and assistance as the Company may reasonably require.
g. The Insured shall give notice as soon as reasonably practicable of any fact, event or circumstance which materially changes the information supplied to the
Company at the time when this Policy was effected and the Company may amend the terms of this Policy.
h. The terms and exclusions of this Benefit (and any phrase or word contained therein) shall be interpreted in accordance with the laws of India.
This benefit is optional and only effective if it is shown in schedule
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule within basic sum insured of policy.
Definitions:
Equipment Failure - means any sudden, unforeseen breakdown in the Common Carrier's equipment that caused a delay or interruption of normal trips.
Inclement Weather - means any severe weather condition which delays the scheduled arrival or departure of a Common Carrier.
Strike - means any labour disagreement which interferes with the normal departure and arrival of a Common Carrier, and is defined as legal by the relevant
authorities in the respective countries.
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule within basic sum insured of policy.
We will not make payment for the deductible period per event, as mentioned in the Policy Schedule.
Provided that:
1. The Hospitalisation has been advised by the Medical Practitioner attending on the Insured and such Hospitalisation is admitted under Benefit - Accident
and Sickness Medical Expense Benefit of this Policy; and
2. The need of such assistance is essential in the opinion of the Medical Practitioner attending on the Insured and recommended by him/ her accordingly.
3. Claim has been accepted under 2.1.1 (Accident & medical sickness benefit).
The Company shall also reimburse the cost of the economy class air ticket incurred by the person rendering such special assistance from and to the place of
origin of such person or the place of residence of the person. And accommodation expenses not exceeding $200 USD per day during the hospital stay of the
insured.
The Company's liability under this Benefit, however, in respect of any one event or all events of Hospitalisation during the Period of Insurances shall not in total
exceed the Sum Insured as specified in the Policy Schedule.
The Insured shall as far as possible seek for such special assistance from any one of his/ her relatives, either at the place of Hospitalisation or any other nearest
place.
It is a condition precedent to the Company's liability hereunder that the need for such a special assistance and consequent visit of any one of the Family or
relative from a particular place is also approved by the Assistance Service Provider before any one of the Family or near relatives or friends undertakes the
Trip.
The claim under this Cover will be admissible provided that no Adult member of Insured’s Immediate Family is present at the Port of Insured’s hospitalization.
The family member / accompanying person shall be responsible for visas and other government documents required for travel to the country of hospitalization
of the insured.
Our maximum liability will be limited to the Sum Insured mentioned against this in the Policy Schedule within basic sum insured of policy.
Provided that no sum shall be payable by the Company for any delay arising due to perils named herein above in relation to the port of origin should the place
of origin also be the Country of Residence of the Insured as specified in the Policy . Also provided that the Company's liability under this cover shall be limited
to only one delay encountered by the Insured during the entire Period of Insurance and will be paid the amount as mentioned against this Benefit in the Policy
Schedule.
On the happening of any contingency as stated above, resulting in the Insured's decision to delay the departure, immediate notice thereof shall be given to
the Company.
Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule within basic sum insured of policy.
Minor Child(ren) for the purpose of this benefit shall mean any child of the Insured Person, below the age of 18 years. The cover under this benefit would be
available for a maximum of two children.
In case the Insured does not opt for the above option and if an attendant is necessary to ensure the safety and welfare of Minor Child(ren) at the place of
Hospitalisation, the Company will pay for the cost of transportation of the attendant from his/her origin or Country of Residence and back, provided that the
Hospitalisation has been advised by the Medical Practitioner attending on the Insured.
The Company's liability under this Benefit, however, in respect of any one event or all events of Hospitalisation during the Period of Insurances shall be
restricted only for two Minor Child(ren) and shall be subject to the Sum Insured as specified in the Policy Schedule.
This benefit is optional and only effective if it is shown in schedule.
Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule within basic sum insured of policy.
International driving license must be valid at the time of loss. And we are liable to pay the fees only towards the duplicate driving license not towards the
extension of validity.
If Insured person whilst outside India, loses his driving license, this cover will be activated.
Any expenses arising in loss of license due to delay or from confiscation or detention by customs, police or other authority will not be paid.
Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule within basic sum insured of policy.
In event the International driving license originally reported lost being traced and made available to the Insured, any time before the emergency certificate at
the place of loss of the license or the duplicate, license at the Country of Residence of the Insured is issued to the Insured, the Insured shall intimate the
concerned authorities forthwith and apply for the refund of the money paid with the application for emergency certificate or duplicate International driving
license, as the case may be. The Insured shall then refund to the Company such amount as has been refunded by the authorities to the Insured in this regard.
Simultaneous claims under 'study interruption' and 'sponsor protection' is not permitted.
Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule within basic sum insured of policy.
Only the figures shown on an official invoice(s) from the educational institution for payment of said Tuition Fees in conjunction with the refund statement, if
any, shall be used for calculating any reimbursement paid by the Company. It cannot exceed the maximum amount stated in the Policy Schedule.
Should death of the Insured occur during the period for which the aircraft/ ocean going vessels is held captive by the hijackers, such death of the Insured shall
be considered as a valid claim under section 2.2.2: Accidental Death and Dismemberment Benefit (Common Carrier) under the Provision applicable to the
death of the Insured in an Accident to the Common Carrier in which the Insured is traveling as a passenger. Such compensation for death shall be independent
of the Insured's eligibility for claim under this Benefit.
We will not make payment for the deductible period per event, as mentioned in the Policy Schedule.
Covered Hazards: Delay in Scheduled Common Carrier failing to get the Insured to their destination in time due to
1. Inclement Weather; or
2. Strike or other job action by employees of a Common Carrier scheduled to be used by You during Your return journey; or
3. Equipment Failure of a Common Carrier.
The Insured may claim only Delayed departure or Missed departure / Missed Connection, not both.
This benefit is optional and only effective if it is shown in schedule.
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule within basic sum insured of policy.
We will not make payment for the deductible period per event, as mentioned in the Policy Schedule.
In the event of the forfeited amount by the Common Carrier for the Missed Flight being refunded/ returned to the Insured, subsequent to any payment under
this Benefit, the Insured shall return the amount so refunded in full.
Our maximum liability will be limited to the Sum Insured mentioned against this cover in the Policy Schedule within basic sum insured of policy.
Definition –
Payment card means an ATM card, credit card, charge card, prepaid card or debit card issued by a qualified financial institution for personal use only.
Lost or Stolen means having been inadvertently lost or having been stolen by a third party without your assistance, consent or co-operation.
Fraudulent utilization charges means those charges which are incurred on the payment card / sim card after the physical loss of the payment card / sim card
and without the knowledge or consent of the payment card / sim card holder as per provisions, terms and conditions of payment card issuer / mobile service
provider.
Relative means your legally married spouse, parent, step-parent, parent in-law, grandparent, child, stepchild, legally adopted child, grandchild, brother,
brother in-law, sister, sister in-law, son in-law, daughter in-law, uncle, aunt, niece, nephew, and first cousin.
Business means
• A trade, profession or occupation engaged in on a full-time, part-time or occasional basis; or
• Any other activity engaged in for money or other compensation
Specific Conditions:
1. Any suit or legal proceedings against the Company under this section shall be filed and instituted in the court having jurisdiction in India only.
2. Each insured person must take all reasonable steps to avoid any loss, damage or expense.
3 We will only pay for fraudulent utilization charges for which you are responsible under the terms and conditions of your payment card.
4. You must report the loss or theft of your payment card to the issuer(s) within 3 hours after discovering your lost or stolen payment card event.
5. You must comply with all terms and conditions by which your payment card is issued.
6 Valid Account
Wherever payment is made by payment card, your payment card account must be valid and in good standing for coverage to apply. Benefits will not be paid
if, on the date of occurrence your payment card account is in delinquency, collection, or cancellation status.
7 Concealment or Fraud
If you or anyone acting on Your behalf put forward any claim under this Policy knowing the same to be false or fraudulent, as regards amount or otherwise,
this Policy shall be void in its entirety and be of no effect whatsoever and all claims that You may have made for an indemnity under it shall be forfeited.
8 Duties After an Accident or Loss
We have no duty to provide coverage under this policy unless there has been full compliance with the duties that are detailed in each coverages section. You
are required to cooperate with us in investigating, evaluating and settling a claim
The claim will be on reimbursement basis only with immediate intimation and not later than 24 hours from discovering an unauthorized charge was made on
your lost or stolen payment card, to the assistance service provider upon knowledge of loss of credit or debit card, and required documents.
This coverage will be limited to and included in the Sum Insured of Accident & Sickness Medical Expense Benefit as specified in the policy Schedule per policy
period.
Our maximum liability will be limited to the Sum Insured mentioned in the Policy Schedule within basic sum insured of policy.
Standard Exclusions
The Company shall not be liable to make any payment under the policy, in respect of any expenses incurred in connection with or in respect of:
1. Investigation & Evaluation(Code- Excl04)
a) Expenses related to any admission primarily for diagnostics and evaluation purposes.
b) Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment
2. Rest Cure, rehabilitation and respite care- Code- Excl05
a) Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. This also includes:
i. Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving
around either by skilled nurses or assistant or non-skilled persons.
ii. Any services for people who are terminally ill to address physical, social, emotional and spiritual needs.
3. Obesity/ Weight Control: Code- Excl06
Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions:
1. Surgery to be conducted is upon the advice of the Doctor
2. The surgery/Procedure conducted should be supported by clinical protocols
3. The member has to be 18 years of age or older and
Specific Exclusions
The Company shall not be liable for any compensation or benefit for/ in event:
1. Payment for items mentioned under Appendix I
2. Any claim relating to events occurring before the commencement of the Trip covered hereunder and any time after the completion of the Trip at any port
Benefits 2.1.1 (Accident & Sickness Medical Expense Benefit), 2.1.2(Emergency Medical Evacuation), 2.1.3 (Repatriation of Remains), 2.2.1 (Continued
Medical Treatment in India)
In addition to the General Exclusions, the Company shall not be liable to make any payment towards expenses incurred by the Insured in connection with or
in respect of
1. Any Pre-existing Condition or any complication arising from it unless specified.
2. Treatment of orthopedic, degenerative and oncological (Cancer) diseases unless such treatment pertains to Life Threatening Medical Conditions or
measures solely taken to relieve acute pain and in any case, excluding chemotherapy or radiotherapy expenses.
3. Any claim for a medical condition where you have been referred to a Consultant/Specialist, attended Accident and emergency department of a hospital or
admitted to a hospital between booking your trip and the departure date unless disclosed to and accepted by us.
4. Treatment received in at the place of origin of Trip;
5. Routine medication which you were consuming or started, at the start of your trip, and you knew that you would need while you were away.
6. Pregnancy or child birth in case the travel occurs after the first trimester.
7. Treatment for any dental Illness/ Injury.
8. Beauty and/ or cosmetic treatment and/ or reconstructive plastic surgery in any form or manner –
9. Any treatment related to general debility, convalescence, and rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar
institution.
10. Mental or psychiatric disorders.
11. Self-inflicted Illness or Injury.
Loss of Passport
In addition to anything mentioned in the general exclusions, the Insurer will not pay for claims which are a result of:
1. Any destruction, loss or theft, which occurred prior to the start date of the Journey Abroad.
2. loss of passport due to delay or from confiscation or detention by customs, police or other authority;
3. theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
4. Any claim for travel and accommodation expenses of any other insured persons who could continue to travel without you but decide to stay with you.
5. Any cost incurred on passport loss on physically arrival in the Republic of India, including loss which was discovered prior to immigration entry in the Republic
of India.
Compassionate Visit
Anything mentioned in the General Exclusions section & exclusions mentioned under Accident & Sickness Medical Expense Benefit:
Bail Bond
1. The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured
in connection with or in respect of all non-bailable offences as per the local Law of the country in which the incident has taken place or occurred whilst the
Insured's trip abroad.
2. Any bail amount where the insured has been charged for over speeding in a vehicle.
3. Any wilful, malicious, criminal or unlawful act, error, or omission
4. Anything mentioned in the General Exclusions section
Study Interruption
This Benefit does not cover any other loss, directly or indirectly, in whole or in part, including loss caused by or resulting from:
1. Routine physical check-up and / or any related thereto;
2. A trip, the purpose of which was to obtain medical care;
3. Cosmetic or plastic surgery except as a result of an accident;
4. Elective surgery;
5. Any nervous disorders, rest, cures or stress of any kind;
6. Alcoholism or drug addiction, or use of any drug or narcotic agent;
7. Any treatment provided by a family member;
8. Specific named hazards, hang gliding, professional or amateur racing and piloting an aircraft;
9. Damage to health caused by curative measures, radiation, infection, poisoning except where these arise from an accident.
10. Any other claim after a claim for death has been admitted by the Company and becomes payable.
11. Any claim which arises out of an accident connected with the operation of an aircraft or which occurs during parachuting except when the Insured is flying
as a passenger on a multi engine, commercial aircraft.
12. Any claim due to pregnancy or childbirth, venereal disease or infirmity.
13. Any exclusion mentioned in the 'General Exclusions' section of this Policy.
Hijack Distress Compensation
The Company shall not be liable for any claim under this Policy if the Insured shall be involved as either principal or accessory in the Hijack.
Self-Inflicted Injury
1. No medical expenses shall be payable if the self-inflicted injury shall result in death of the insured.
2. Any legal liabilities on account of any action by the insured.
3. Medical expenses incurred on OPD basis or hospitalization less than 24hrs.
4. Any type of activities that result into the legal action in respect to the law of the land of country of residence of the insured
Vision Care
1. Damage caused by any process of cleaning, dyeing, or bleaching, restoring, servicing, preventative maintenance, repairing or renovating or deterioration
arising from wear and tear, moth, vermin, insects or mildew or any other gradually operating cause.
2. Loss or damage due to misplacement, misuse, reckless, abusive, wilful, or intentional conduct associated with handling and use of the covered item.
3. Any loss or damage due normal wear and tear
4. Loss or damage arising out of any pre-existing conditions.
2. Material Change
The Insured shall notify the Company in writing of any material change in the risk in relation to the declaration made in the proposal form or medical examination
report at each Renewal and the Company may, adjust the scope of cover and / or premium, if necessary, accordingly.
3. Records to be Maintained
The Insured Person shall keep an accurate record containing all relevant medical records and shall allow the Company or its representatives to inspect such
records. The Policyholder or Insured Person shall furnish such information as the Company may require for settlement of any claim under the Policy, within
reasonable time limit and within the time limit specified in the Policy
4. Complete Discharge
Any payment to the Insured Person or his/ her nominees or his/ her legal representative or to the Hospital/Nursing Home or Assignee, as the case may be, for
any benefit under the Policy shall in all cases be a full, valid and an effectual discharge towards payment of claim by the Company to the extent of that amount
for the particular claim
5. Fraud
lf any claim made by the insured person, is in any respect fraudulent, or if any false statement, or declaration is made or used in support thereof, or if any
fraudulent means or devices are used by the insured person or anyone acting on his/her behalf to obtain any benefit under this policy, all benefits under this policy
and the premium paid shall be forfeited.
Any amount already paid against claims made under this policy but which are found fraudulent later shall be repaid by all recipient(s)/policyholder(s), who has
made that particular claim, who shall be jointly and severally liable for such repayment to the insurer.
For the purpose of this clause, the expression "fraud" means any of the following acts committed by the insured person or by his agent or the hospital/doctor/any
other party acting on behalf of the insured person, with intent to deceive the insurer or to induce the insurer to issue an insurance policy:
a) the suggestion, as a fact of that which is not true and which the insured person does not believe to be true;
b) the active concealment of a fact by the insured person having knowledge or belief of the fact;
c) any other act fitted to deceive; and
d) any such act or omission as the law specially declares to be fraudulent
The Company shall not repudiate the claim and / or forfeit the policy benefits on the ground of Fraud, if the insured person / beneficiary can prove that the
misstatement was true to the best of his knowledge and there was no deliberate intention to suppress the fact or that such misstatement of or suppression of
material fact are within the knowledge of the insurer.
6. Cancellation/Termination
i) The policyholder may cancel this policy by giving 15 days' written notice and in such an event, the Company shall refund premium for the unexpired policy
period as detailed below.
ii) The Company may cancel the policy at any time on grounds of misrepresentation non-disclosure of material facts, fraud by the insured person by giving 15
days' written notice. There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud.
8. Portability
The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the
family, if any, at least 45 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. If such person is
presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed
insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.
The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy,
and to return the same if not acceptable.
lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to
i. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk
premium for period of cover or
iii. Where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period;
10. Possibility of Revision of Terms of the Policy Including the Premium Rates
The Company, with prior approval of lRDAl, may revise or modify the terms of the policy including the premium rates. The insured person shall be notified three
months before the changes are effected.
11. Nomination
The policyholder is required at the inception of the policy to make a nomination for the purpose of payment of claims under the policy in the event of death of the
policyholder. Any change of nomination shall be communicated to the company in writing and such change shall be effective only when an endorsement on the
policy is made. ln the event of death of the policyholder, the Company will pay the nominee {as named in the Policy Schedule/Policy Certificate/Endorsement (if
any)} and in case there is no subsisting nominee, to the legal heirs or legal representatives of the policyholder whose discharge shall be treated as full and final
discharge of its liability under the policy.
ii) lnsured Person will have the option to migrate to similar health insurance product available with the Company at the time of renewal with all the accrued
continuity benefits such as cumulative bonus, waiver of waiting period as per IRDAI guidelines, provided the policy has been maintained without a break.
16. Arbitration
i. If any dispute or difference shall arise as to the quantum to be paid by the Policy, (liability being otherwise admitted) such difference shall independently of
all other questions, be referred to the decision of a sole arbitrator to be appointed in writing by the parties here to or if they cannot agree upon a single arbitrator
within thirty days of any party invoking arbitration, the same shall be referred to a panel of three arbitrators, comprising two arbitrators, one to be appointed by
each of the parties to the dispute/difference and the third arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under and in
accordance with the provisions of the Arbitration and Conciliation Act 1996, as amended by Arbitration and Conciliation (Amendment) Act, 2015 (No. 3 of
2016).
ii. It is clearly agreed and understood that no difference or dispute shall be preferable to arbitration as herein before provided, if the Company has disputed or
not accepted liability under or in respect of the policy.
iii. It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon the policy that award by such
arbitrator/arbitrators of the amount of expenses shall be first obtained.
The policyholder may be changed during the Policy Period only in case of his/her demise.
(Explanation: "Bank rate" shall mean the rate fixed by the Reserve Bank of lndia (RBl) at the beginning of the financial year in which claim has fallen due)
b. Claims Procedure
Accident & Sickness Medical Expense Benefit
In the event of the insured contracting any Illness/ sustaining any Injury necessitating a treatment in Hospital, he/ she shall render the particulars of insurance
cover as also the details of the Assistance Service Provider to the Hospital while simultaneously reporting the contingency/ claim to the Assistance Service
Provider. The reporting of contingency/ claim to the Assistance Service Provider is required (irrespective of the Insured being covered under any other health
insurance policy) to be within the timelines specified as follows
To avail the cashless facility
• For emergency Hospitalisation: within 24 hours or as soon as is reasonably possible but in any case before discharge from the Hospital. The Company is not
obliged to provide cashless facility if the above mentioned timelines are not adhered to.
For reimbursement claims, the Insured should report the contingency/ claim within 15 days from the date of completion of treatment in the Hospital
Repatriation of Remains
In event of a contingency resulting in the death of the Insured, his/ her representatives shall immediately report the same to the Assistance Service Provider and
submit the claims for furnishing the complete details of the death of the Insured to the Assistance Service Provider.
Loss of Passport
Immediately on becoming aware of the loss of the passport, the Insured shall report the matter to the police having jurisdiction over the place of loss while
simultaneously reporting the loss to the Assistance Service Provider.
Compassionate Visit
In event of the Insured sustaining an Injury and/ or contracting an Illness requiring Hospitalisation in the opinion of the Medical Practitioner and further in the
opinion of such Medical Practitioner continuous presence in the form of special assistance is required to be rendered to the Insured during the period of
Hospitalisation by any of the members of the Family or near relative, immediate notice shall be given and approval obtained from the Assistance Service Provider
by the Insured before requisitioning such special assistance.
The Insured shall endeavour wherever possible to requisition such a special assistance from any member of the Family or near relative from places nearer to the
place of Hospitalisation. In any case, the Company's liability shall be limited to economy class airfare applicable from and to the Country of Residence of the
Insured to the place of Hospitalisation.
Medical Evacuation
• Medical reports and transportation details issued by the evacuation agency, prescriptions and medical report by the attending Medical Practitioner furnishing
the name of the Insured and details of treatment rendered along with the statement confirming the necessity of evacuation.
• Proof for expenses incurred towards the above.
• Photocopy of valid Photo ID proof of the Insured
• Claim form duly filled and signed by nominee / insured / relative
• Travel itinerary, Passport (first and last page with immigration stamping on visa)
• Boarding passes for all the sectors.
• Any other document as required by the Company/ ASP on a case to case basis.
In respect of all claims payable hereunder, the Company may effect settlement either in the form of cashless treatment facility or by reimbursement of the amount
of claim to the Insured, at its sole discretion. Cashless treatment facility cannot be demanded by the Insured as a matter of right.
Repatriation of Remains
• Photocopy of the death certificate providing the details of the place, date and time, and the circumstances and cause of the death (photocopy of the
post-mortem certificate wherever required by the Assistance Service Provider, for cases where post-mortem is conducted), issued by the appropriate authority
where the contingency has arisen.
• Proof for expenses incurred towards disposal of the mortal remains.
• Photocopy of valid Photo ID proof of the Insured
• In case of transportation of the body of the deceased to the Country of Residence of the Insured, the receipt for expenses incurred towards preparation and
packing of the mortal remains of the deceased and also for the air transportation of the mortal remains of the deceased to the Country of Residence of the Insured.
Ambulance cover
• In the event of a claim, the Insured shall submit expenses incurred towards Ambulance, in addition to documents required under Accident & Sickness Medical
Expense Benefit.
• Photocopy of a valid Photo identity proof of insured
• Claim form duly filled and signed
• Travel itinerary, Passport (first and last page with immigration stamping on visa)
• Boarding passes for all the sectors
• Any other document required for claim processing under this cover of policy
Childcare Benefits
• In the event of a claim, the Insured shall submit claim form, hospitalization papers if applicable, previous consultation papers if any, doctor’s referral notes for
hospitalization, diagnostic test reports as applicable and other prescriptions and pharmacy bills.
• Photocopy of valid photo identity proof of the Insured
• Claim form duly filled and signed
• Travel itinerary, Passport (first and last page with immigration stamping on visa)
• Boarding passes for all the sectors
• Any other document required for claim processing under this cover of policy
Loss of Passport
1. Police Report in original.
2. Details of the attempts made to trace the passport and brief description of incident.
3. Statement of claim for the expenses incurred.
4. Receipt for payment of charges for obtaining an emergency certificate at the place of loss of the passport.
5. Receipt for charges for obtaining duplicate passport at the Country of Residence of the Insured.
6. Photocopy of Photo ID proof
7. Claim form duly filled and signed
8. Travel itinerary, Passport both new and old (first and last page with immigration stamping on visa)
9. Boarding passes for all the sectors
10. And any other document as may be appropriately applicable for the claims preferred under this section of the Policy.
Compassionate Visit
1. A certificate from the Medical Practitioner recommending the presence in the form of special assistance to be rendered by a member of the Family or near
relative during the entire period of Hospitalisation. Certificate to also specify the minimum period of Hospitalisation.
2. Discharge summary of the Hospital furnishing details - date of admission, date of discharge, and the presence of the member of the Family or near relative or
friends on all days of Hospitalisation.
3. Original ticket used for the travel to and fro by the member of the Family or near relative or friend.
Bail Bond
1. Declaration from the Insured, or from the Immediate Family Member, and in case where there is no immediate family member, the sponsor, if any, will be liable
to produce the necessary documents, as per the local law detailing the incident which led to the arrest, nature of crime, including police charge-sheet and
documents from the court for the bail amount deposited as bond in court registry.
2. Police report and court judgement if applicable.
3. Photocopy of Valid Photo Identity proof of the Insured.
4. Claim form duly filled and signed
5. Travel itinerary, Passport (first and last page with immigration stamping on visa)
6. Boarding passes for all the sectors
7. Any other document required to assess claim under this cover of policy.
Sponsor Protection
1. The Insured shall obtain and submit an official death certificate, medical reports, diagnostic test and hospitalization papers and reports, police report if
applicable, and detailed description from the insured student on the circumstances of the death of the sponsor.
2. Photocopy of Passport Card of the Insured
3. Claim form duly filled and signed
4. Travel itinerary, Passport (first and last page with immigration stamping on visa)
5. Boarding passes for all the sectors
6. Letter from Educational Instruction confirming the Academic course details along with tuition fees details both paid/unpaid.
7. The Insured shall obtain a statement from a physician (which physician should not be a relative or spouse of the Insured or the Sponsor) stating cause of death,
as proof of death, of the Sponsor, by the insured.
8. Any other document required for claim processing under this cover of policy
Study Interruption
9. In the event of a claim, the Insured shall make a request to the institution, in writing, seeking a written response from the institute towards any amount due to
the insured by way of refunds, both of which shall require being provided to the Company.
10. Photocopy of Passport Card of the Insured
11. Claim form duly filled and signed
12. Travel itinerary, Passport (first and last page with immigration stamping on visa)
13. Boarding passes for all the sectors
14. Any other document required for claim processing under this cover of policy
Self-Inflicted Injury
1. Claim form duly filled and signed
2. Travel itinerary, Passport (first and last page with immigration stamping on visa)
3. Boarding passes for all the sectors
4. Photocopy of valid Photo ID proof of the Insured or the claimant
5. Copy of Police FIR
6. All relevant treatment papers along with bills and receipts towards the expenses incurred.
7. And any other document as may be appropriately applicable for the claims preferred under this section of the Policy
2. GRIEVANCE MECHANISM
In case of any grievance the insured person may contact the company through
• Website: www.edelweissinsurance.com, Link:https://www.edelweissinsurance.com/documents/20143/1081704/Service+Parameters+and+Grievance+ Mechanism
+15-04-21.pdf/114fd592-ad87-457a-d8c6-2e6cc6b9fd91?t=1618577820419
• E-mail: [email protected]
• Courier: 5th Floor, Tower 3, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai 400 070:
Insured person may also approach the grievance cell at any of the company’s branches with the details of grievance
If Insured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at
1800120216216 and [email protected].
For updated details of grievance officer, kindly refer the link: https://www.edelweissinsurance.com/documents/20143/1081704/Service+Parameters+
and+Grievance+Mechanism+15-04-21.pdf/114fd592-ad87-457a-d8c6-2e6cc6b9fd91?t=1618577820419
If Insured person is not satisfied with the redressal of grievance through above methods, the insured person may also approach the office of Insurance
Ombudsman of the respective area/region for redressal of grievance as per Insurance Ombudsman Rules 2017.
Grievance may also be lodged at IRDAI Integrated Grievance Management System - https://igms.irda.gov.in/
BENGALURU
Office of the Insurance Ombudsman, Jeevan Soudha Building, PID
No.57-27-N-19, Ground Floor, 19/19, 24th Main Road, JP Nagar, 1st Phase,
State of Karnataka
Bengaluru-560 078.
Tel.:- 080-26652048 / 26652049
Email:- [email protected]
BHOPAL
Office of the Insurance Ombudsman, Janak Vihar Complex, 2nd Floor, 6,
Malviya Nagar, Opp. Airtel Office, Near New Market, Bhopal – 462 033. States of Madhya Pradesh and Chattisgarh
Tel.:- 0755-2769200/201/202, Fax:- 0755-2769203
Email:- [email protected]
BHUBANESHWAR
Office of the Insurance Ombudsman, 62, Forest park, Bhubneshwar – 751 009.
Tel.:- 0674-2596461 / 2596455, Fax:- 0674-2596429 State of Odisha
Email:[email protected]
CHANDIGARH
Office of the Insurance Ombudsman, S.C.O. No. 101, 102 & 103, 2nd Floor,
Batra Building, Sector 17 – D, Chandigarh – 160 017. States of Punjab, Haryana, Himachal Pradesh, Union Territory of Jammu
Tel.:- 0172-2706196/ 2706468 & Kashmir, Union Territory of Ladakh and Union Territory of Chandigarh
Fax:- 0172-2708274
Email:- [email protected]
CHENNAI
Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453 , Anna
Salai, Teynampet, CHENNAI – 600 018. State of Tamil Nadu and Union Territories - Puducherry Town and
Tel.:- 044-24333668 / 24335284 Karaikal (which are part of Union Territory of Puducherry)
Fax:- 044-24333664
Email:- [email protected]
DELHI
Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building,
Asaf Ali Road, New Delhi – 110 002. State of Delhi
Tel.:- 011-23232481/23232481
Email:- [email protected]
ERNAKULAM
Office of the Insurance Ombudsman, 2nd floor, Pulinat Building, Opp. Cochin
Shipyard, M.G. Road, Ernakulum - 682 015. State of Kerala, Union Territory of Lakshadweep and Mahe, a part of
Tel.:- 0484-2358759/2359338 Puducherry
Fax:- 0484-2359336
Email:- [email protected]
GUWAHATI
Office of the Insurance Ombudsman, 'Jeevan Nivesh’, 5th Floor, Nr. Panbazar
over bridge, S.S. Road, Guwahati – 781001(ASSAM). States of Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh,
Tel.:- 0361- 2632204 / 2602205 Nagaland and Tripura
Email:- [email protected]
HYDERABAD
Office of the Insurance Ombudsman, 6-2-46, 1st floor, "Moin Court" Lane Opp.
Saleem Function Palace, A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004. States of Andhra Pradesh, Telangana and Union Territory of Yanam - a
Tel.:- 040- 67504123 / 23312122 part of Puducherry
Fax:- 040-23376599
Email:- [email protected]
Note:
1. Any surgery/procedure (not listed above) which due to advancement of medical science requires hospitalization for less than 24 hours will require prior approval
from company/TPA.
2. The standard exclusions and waiting periods are applicable to all of the above day care procedures / surgeries depending on the medical condition / disease
under treatment. Only 24 hours hospitalization is not mandatory.
Disclaimer: The Company’s Claims Team may modify /edit above list, consider other treatments as day care treatments depending on the treatment.
Edelweiss General Insurance Company Limited, Corporate Office: 5th Floor, Tower 3, Kohinoor City Mall, Kohinoor City, Kirol Road, Kurla (West), Mumbai
- 400 070, Registered Office: Edelweiss House, Off CST Road, Kalina, Mumbai -400 098, IRDAI Regn. No.: 159, CIN: U66000MH2016PLC273758, Reach us
on: 1800 12000 (Toll-Free ) or 022 42312000 (Call charges applicable), Email: [email protected], Website: www.edelweissinsurance.com,
Issuing/Corporate Office: +91 22 4272 2200, Grievance Redressal Officer: +91 22 4931 4422, Dedicated Toll-Free Number for Grievance: 1800 120 216216.
Trade logo displayed above belongs to Edelweiss Financial Services Limited and is used by Edelweiss General Insurance Company Limited under license.