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Happy Traveller Plan vs Travel Insurance (Business and Holiday)

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Specifications side by side

Spec
Happy Traveller Plan
Travel Insurance (Business and Holiday)
Plan
Trip type
Single trip
Single trip
Geography
—
Worldwide | Worldwide excluding USA & Canada
Sum insured options (USD)
—
USD 50,000 to USD 500,000 in steps of USD 5,000 (91 options)
Entry age
Minimum: Proposer 18 years, Child 91 days, Adult 18 years; Maximum: No limit ('Max entry age of adult can be 99 years')
6 months to 70 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
Not covered: exclusion 'Any pre-existing disease'; 'The Policy is not designed to provide an indemnity in respect of medical services, the need for which arises out of a pre-existing disease.'
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
—
₹541
Sample premium is for
—
Single Trip, Age Band 0.5 - 40, Worldwide excluding USA & Canada, Section A limit USD 50,000, duration up to 7 days; INR; rate table does not state whether GST is included
Insurer
IRDAI UIN
GODTIOP24172V012324
SBITIOP14004V011314

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