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Travel Insurance · head to head

Happy Traveller Plan vs Smart Travel

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Specifications side by side

Spec
Happy Traveller Plan
Smart Travel
Plan
Trip type
Single trip
Single trip
Geography
—
Asia | Worldwide Including USA & Canada | Worldwide Excluding USA & Canada | Schengen
Sum insured options (USD)
—
USD 30,000, USD 50,000, USD 100,000, USD 150,000, 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')
Single Trip: Minimum Entry Age 3 months, Maximum Age No Limit (plans: 3 Months to 70 years; Senior 71 years and above)
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
Optional 'Pre-existing Disease cover' (declared and accepted conditions) up to its own sum insured: USD 2,500 (Platinum), USD 5,000 (Platinum Plus); NA for Silver, Gold, Senior; otherwise 'Any treatment of a Pre-existing disease' excluded
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
Insurer
IRDAI UIN
GODTIOP24172V012324
ZUKTIOP25061V022425

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