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Happy Traveller Plan vs Overseas Travel Protector

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Specifications side by side

Spec
Happy Traveller Plan
Overseas Travel Protector
Plan
Trip type
Single trip
Single trip
Geography
—
Worldwide (incl. US/Canada) | Schengen | Worldwide (excl. US/Canada) | Asia
Sum insured options (USD)
—
USD 25,000, USD 50,000, USD 100,000, USD 250,000, USD 500,000, USD 750,000, USD 1,000,000
Entry age
Minimum: Proposer 18 years, Child 91 days, Adult 18 years; Maximum: No limit ('Max entry age of adult can be 99 years')
Specific Trip: Child 3 months - upto 18 years; Adult 18 years onwards (Annual Multi Trip: 12 years to 80 years)
Pre-existing conditions
Excluded unless opted: 'Any Pre-existing medical disease/Condition either declared or undeclared. Declared Pre-existing medical disease/Condition can be waived, subject to the same is accepted by Us on the payment of additional premium (only up to the limit specified in Policy Schedule)'; website: Smart 360 PED $5K–$10K, Smart not covered
'PED sub limit for life threatening conditions within overall medical expenses (cannot be opted out)': USD 20,000 (Platinum 1000), 15,000 (Platinum 750), 12,500 (Platinum 500), 12,500 (Gold 500), 10,000 (Gold 250), 5,000 (Silver 100), 2,500 (Silver 50), 2,500 (Bronze 50), 1,000 (Bronze 25)
Benefits
Medical expenses
Yes
Yes
Trip cancellation
Yes
Yes
Baggage loss
Yes
Yes
Baggage delay
Yes
Yes
Passport loss
Yes
Yes
Flight delay
Yes
Yes
Personal liability
Yes
Yes
Premium
Sample annual premium
—
₹330.28
Sample premium is for
—
Silver 50 (USD 50,000), Specific Trip plan with sublimit, Worldwide (Excl US/CA), travel days 5-7, age band 3 Months - 40; INR; rate chart does not state whether GST is included
Insurer
IRDAI UIN
GODTIOP24172V012324
IFFTIOP27045V012627

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