Depending on the plan chosen, Oriental travel insurance policies cover the following risks in addition to illness:
Personal Accident Death cover
Loss of checked baggage
Loss of Passport
Medical Expenses (Repatriation & Evacuation)
Bounced Hotel Booking
No Claim will be paid where the Insured person is travelling against the advice of a physician or for specified medical
treatment declared in the physician’s report certificate or for the purpose of obtaining treatment or has received
a terminal prognosis for a medical condition.
Claims arising from suicide, attempted suicide or willfully self inflicted injury or illness, mental disorder,
anxiety, stress or depression, venereal disease, alcoholism, abuse of drugs, liability attributable to HIV and/or
any HIV related illness including AIDS.
Claims arising from the Insured person taking part in Naval, Military or Airforce operations.
Claims arising from War, Invasion, Civil War Liability.
Claims arising from the loss or damage to any property resulting from the hazardous properties of radioactive or nuclear
material or pollutants or any consequential loss.
No claim will be paid which arises from the Insured person engaging in Air Travel unless flies as a passenger on
properly licensed to carry passengers.
Claims arising from participation in Winter Sports, mountaineering, racing, skew diving and other hazardous sports.
Claims arising from 2 wheeled motor vehicle accidents unless the driver is fully qualified and is in possession
of a current full international driving license and is wearing a safety crash helmet.
Claims arising from hazardous occupation, self exposure to needless peril or any criminal
or illegal act.
Note : Policy details offered are indicative, not exhaustive. Please contact your nearest
Arunaya office for further details.