{"uin":"LVGTIOP16005V021516","name":"Overseas Travel Connect Insurance Policy","url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516","insurer":{"slug":"liberty-general-insurance","name":"Liberty General Insurance Limited","url":"https://indiainsurances.com/insurer/liberty-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an overseas travel insurance policy for trips from India with single trip, annual multitrip and family floater variants. It covers emergency medical expenses abroad, evacuation and repatriation, personal accident, travel impediments, passport loss and checked-in baggage benefits, with single trips up to 180 days and annual multitrips restricted to 45 days per trip.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:31:31.983276+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Single trip cover","Annual Multitrip cover","Family floater","Senior citizen plans","Asia excluding Japan plans","Worldwide and Worldwide excluding US-Canada plans"],"display":"Single trip cover; Annual Multitrip cover; Family floater; Senior citizen plans; Asia excluding Japan plans; Worldwide and Worldwide excluding US-Canada plans","note":null,"quote":"In Senior citizen plans minimum entry age of the Insured will be 61 years and maximum entry age would be 75 years. ... Single trip cover | Between 6 months to 75 years of age | Yes | Yes\nAnnual Multitrip cover | From 18 years to 70 years of age | Yes | Yes\nFamily floater | i) Self & Spouse-Up to 60 years of age. | Yes | Yes ... Asia excluding Japan plans are available form 15000 USD to 100000 USD as sum insured. ... Worldwide and Worldwide excluding US-Canada plans are available from 50000 USD to 500000 USD for individuals as sum insured.","sources":[{"clause":"17(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-17-ii-2"},{"clause":"17(iv)","heading":"Family floater","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-17-iv"},{"clause":null,"heading":"S) Sum Insured","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-s-sum-insured"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy period can be minimum 1 day to maximum 180 days and can be extended further for 180 days on payment of additional premium. Annual multi trip policies restrict each trip to 45 days.","display":"Minimum 1 day to maximum 180 days; extendable further for 180 days. Annual multi trip: 45 days per trip.","note":null,"quote":"The policy period can be from minimum 1 day to maximum 180 days which can be extended further for 180 days on payment of additional premium. ... The maximum trip duration extended under the single trip will be 180 days and in case of annual multi trip policies the period will be restricted to 45 days per trip.","sources":[{"clause":null,"heading":"R) Policy Extension","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-r-policy-extension"},{"clause":"62","heading":"“Trip”","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-62"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Medical expenses and emergency medical evacuation claims must be notified immediately to the insurer or claims administrator. Other claims must be notified immediately or not later than 30 days after return to India.","display":"Medical and emergency evacuation: immediate notification. Other claims: immediately or not later than 30 days after return to India.","note":null,"quote":"An immediate notification is made to the Insurance Company/ Claims administrator in respect of any Claim under Medical expenses and emergency medical evacuation ... The named Insured shall notify the Insurance Company/Claims administrator immediately or not later than 30 days after his return to India.","sources":[{"clause":null,"heading":"B) Notification of Claims","page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-b-notification-of-claims"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed claim form","all the original bills and receipts","Copies of Travel ticket and boarding pass","Passport copy revealing entry and exit stamps","Medical reports and doctor’s certificate","Copy of death certificate","Proof of complaint to local police","Property Irregularity report from the common carrier authority","any other documentation or information that might be required or requested"],"display":"Claim form, original bills and receipts, travel tickets/boarding passes, passport copies, medical/death documents, police complaint proof and carrier reports, depending on the claim.","note":"Documents vary by claim section.","quote":"all the original bills and receipts and any other documentation or information that might be required or requested by the Insurance Company / Claims Administrator for assessment of the claim. ... Duly filled and signed claim form Copies of Travel ticket and boarding pass Passport copy revealing entry and exit stamps ... Medical reports and doctor’s certificate in case of medical reasons for trip curtailment Copy of death certificate in case of death of the family member ... Proof of complaint to local police ... Property Irregularity report from the common carrier authority","sources":[{"clause":null,"heading":"B) Notification of Claims","page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-b-notification-of-claims"},{"clause":null,"heading":"Policy will be valid only if counter singed by the insured","page":26,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-policy-will-be-valid-only-if-counter-singed-by-t"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The claim is assessed and processed for payment only on receipt of complete documentation and/or information within 30 days from the date of claim intimation as requested by the company. If rejecting a claim, the company says it will do so within thirty days of the investigation report or additional investigation report.","display":"Processed after complete documents; within 30 days from claim intimation as requested. Rejection within thirty days of investigation report/additional investigation report.","note":null,"quote":"The claim will be assessed and processed for payment only on receipt of complete documentation and or information within 30 days from the date of intimation of the claim as requested by the Company for arriving at the decision towards the claim liability under the policy ... In the event that the Company decides to reject a claim made under this policy, the Company shall do so within a period of thirty days of the investigation report or the additional investigation report","sources":[{"clause":null,"heading":"E) Assessment of Claim & Payment","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-e-assessment-of-claim-payment"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any medical condition or complication arising from condition for which medical advice, diagnosis, care, or treatment was recommended or received before the commencement of the Policy Period","In case of any routine health checkup/ investigations without any objective existence of impairment of normal health","Medical treatment if the same is the sole reason or one of the reasons for travel.","travel undertaken against medical advice","Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness, alcoholism, drunkenness or abuse of drugs.","hazardous occupation like working with fireworks, trainer or instructor for trekking, mountaineering, scuba diving, winter sports, etc.","Claims arising out of any participation of the Insured unless under supervision of a trained professional in winter sports, mountaineering","War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, terrorism.","elective cosmetic/plastic surgery except as a result of accidental bodily injury during the policy period.","Pregnancy resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing","Treatment of all forms of cancer/neoplasm.","Any loss or damage arising from insured person committing any breach of law with criminal intent."],"display":"Pre-existing/prior conditions, routine checkups, travelling for treatment or against medical advice, suicide/self-inflicted injury/alcohol or drug abuse, hazardous occupations and sports, war/terrorism, cosmetic surgery, pregnancy/childbirth, cancer/neoplasm and breach of law with criminal intent are excluded.","note":null,"quote":"Any medical condition or complication arising from condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received before the commencement of the Policy Period ... In case of any routine health checkup/ investigations without any objective existence of impairment of normal health ... Medical treatment if the same is the sole reason or one of the reasons for travel. ... In respect of claims arising out of or attributable to travel undertaken against medical advice ... Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness, alcoholism, drunkenness or abuse of drugs. ... If the Insured is exposed to any hazardous occupation like working with fireworks, trainer or instructor for trekking, mountaineering, scuba diving, winter sports, etc. ... Claims arising out of any participation of the Insured unless under supervision of a trained professional in winter sports, mountaineering ... For any loss arising out of War, civil war, invasion, insurrection, revolution, act of foreign enemy, hostilities (whether War be declared or not), rebellion, mutiny, use of military power or usurpation of government or military power, terrorism. ... For elective cosmetic/plastic surgery except as a result of accidental bodily injury during the policy period. ... Pregnancy resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing ... Treatment of all forms of cancer/neoplasm. ... Any loss or damage arising from insured person committing any breach of law with criminal intent.","sources":[{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-1-2"},{"clause":"2","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-2-2"},{"clause":"4","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-4-2"},{"clause":"5","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-5-2"},{"clause":"6","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-6-2"},{"clause":"8","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-8-2"},{"clause":"9","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-9-2"},{"clause":"10","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-10-2"},{"clause":"11","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-11-2"},{"clause":"14","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-14-2"},{"clause":"16","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-16-2"},{"clause":"2","heading":null,"page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-2-10"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"not-stated","value":null,"display":null,"note":"The wording provides claim notification addresses and Insurance Ombudsman details, but does not state a first grievance officer or complaint route before the Ombudsman.","quote":null,"sources":[],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Medical expenses, Medical Evacuation and Repatriation","Personal Accident","Emergency Dental Care","Hospital Confinement Allowance","Personal Liability","Hijack Allowance","Trip Delay","Trip Curtailment","Trip Cancellation","Missed Connection","Loss of Passport","Delay of Checked-in Baggage","Loss of Checked-in Baggage","Child Escort Cover","Home Burglary","Common Carrier-Accidental Death & Disability","Adventure Sports"],"display":"Emergency medical expenses/evacuation/repatriation, personal accident, dental emergency, hospital confinement, personal liability, hijack, trip delay/curtailment/cancellation/missed connection, passport loss, baggage delay/loss, child escort, home burglary, common-carrier accidental death/disability and adventure sports.","note":"Some benefits are payable only up to the amount specified in the policy schedule, and some sections apply only if the plan with that cover is opted.","quote":"Section 1 Medical expenses, Medical Evacuation and Repatriation ... Section 2 Personal Accident ... Section 3 Emergency Dental Care ... Section 4 Hospital Confinement Allowance ... Section 5 Personal Liability ... Section 6 Hijack Allowance ... A) Trip Delay-The Company is liable to pay the amount specified in the schedule ... B) Trip Curtailment–The Company will pay the amount specified in the schedule ... C) Trip Cancellation - The Company will pay the amount specified in the schedule ... D) Missed Connection - The Company will pay the amount mentioned in the schedule ... F) Loss of Passport–The Company will reimburse the Insured ... A) Delay of Checked-in Baggage- The Company herewith agree to reimburse You ... B) Loss of Checked-in Baggage- The Company herewith agree to reimburse You ... C) Child Escort Cover - The Company herewith agree to reimburse You ... Section 10 Home Burglary ... Section 11 Common Carrier-Accidental Death & Disability ... Section 12 Adventure Sports","sources":[{"clause":"Section 1","heading":"Medical expenses, Medical Evacuation and Repatriation","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-1"},{"clause":"Section 2","heading":"Personal Accident","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-2"},{"clause":"Section 3","heading":"Emergency Dental Care","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-3"},{"clause":"Section 4","heading":"Hospital Confinement Allowance","page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-4"},{"clause":"Section 5","heading":"Personal Liability","page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-5"},{"clause":"Section 6","heading":"Hijack Allowance","page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-6"},{"clause":"Section 7","heading":"Travel Impediments","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-7"},{"clause":"4","heading":"Anything listed in General Exclusions","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-4-4"},{"clause":"Section 8","heading":"Personal Solicitude","page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-8"},{"clause":"6","heading":null,"page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-6-4"},{"clause":"Section 10","heading":"Home Burglary","page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-10"},{"clause":"Section 11","heading":"Common Carrier-Accidental Death & Disability","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-11"},{"clause":"Section 12","heading":"Adventure Sports","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-12"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel during the term by giving 7 days notice in writing. For policies up to one year, the company refunds proportionate premium for the unexpired policy period if no claim has been made; for policies over 1 year, it refunds premium for unexpired policy years where risk coverage has not commenced. Cancellation charges may be deducted subject to retaining a minimum of Rs.250/-, and there is no refund for cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud.","display":"Cancel with 7 days written notice; proportionate refund for unexpired period if term upto one year and no claim. Minimum cancellation retention Rs.250/-; no refund for misrepresentation, non-disclosure or fraud.","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days notice in writing. ... Upon cancellation, the Company shall be entitled to deduct cancellation charges subject to retaining a minimum of Rs.250/-. ... refund proportionate premium for unexpired policy period, if the term of policy upto one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with term more than 1 year and risk coverage for such policy years has not commenced. ... There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud.","sources":[{"clause":null,"heading":"K) Cancellation Of the policy","page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-k-cancellation-of-the-policy"},{"clause":"17(I)(a)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-17-i-a"},{"clause":"17(I)(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-17-i-b"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers an insured journey from India to a destination outside India and return to India. The geographic plan options stated are Asia excluding Japan, Worldwide and Worldwide excluding US-Canada.","display":"Overseas trips from India; plan areas include Asia excluding Japan, Worldwide and Worldwide excluding US-Canada.","note":null,"quote":"“Insured Journey” -means a single journey during the Policy Period to a destination outside of India, which is undertaken (departure and arrival) during the Policy Period. ... Asia excluding Japan plans are available form 15000 USD to 100000 USD as sum insured. ... Worldwide and Worldwide excluding US-Canada plans are available from 50000 USD to 500000 USD for individuals as sum insured.","sources":[{"clause":"37","heading":null,"page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-37"},{"clause":null,"heading":"S) Sum Insured","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-s-sum-insured"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"The policy indemnifies reasonable and customary medical expenses incurred outside the Republic of India for emergency care and illness occurring for the first time during the policy period or contracted during the trip, up to the sum insured in the schedule. Sum insured ranges include Asia excluding Japan 15000 USD to 100000 USD, Worldwide and Worldwide excluding US-Canada 50000 USD to 500000 USD for individuals, 50000 USD to 100000 USD for family of 4, 50000 USD to 250000 USD for senior citizens, and annual multi trip 100000 USD to 500000 USD.","display":"Emergency medical expenses abroad up to schedule sum insured; plan ranges include 15000 USD to 100000 USD for Asia excluding Japan and 50000 USD to 500000 USD for Worldwide/Worldwide excluding US-Canada individuals.","note":null,"quote":"The Company will indemnify the Insured reasonable and customary expenses up to Sum Insured specified in the Policy schedule under this Section subject to deductible applicable to each claim separately under this Section in respect of the following:\nA) Medical expenses incurred by the Insured outside Republic of India towards the emergency care and Illness occurring for the first time during Policy Period or contracted during Trip. ... Asia excluding Japan plans are available form 15000 USD to 100000 USD as sum insured.\n2. Worldwide and Worldwide excluding US-Canada plans are available from 50000 USD to 500000 USD for individuals as sum insured.\n3. Worldwide and Worldwide excluding US-Canada plans are available from 50000 USD to 100000 USD for family of 4 members including Self, spouse and two dependent children as sum insured.\n4. Worldwide and Worldwide excluding US-Canada plans are available from 50000 USD to 250000 USD for Senior Citizen as sum insured.\n5. Annual Multi trip plan for frequent travelers available from 100000 USD to 500000 USD as sum insured.","sources":[{"clause":"Section 1","heading":"Medical expenses, Medical Evacuation and Repatriation","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-1"},{"clause":null,"heading":"S) Sum Insured","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-s-sum-insured"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing illness, disability and conditions arising from them are not covered. Section 1 and 2 exclusions also exclude conditions for which medical advice, diagnosis, care or treatment was recommended or received before the policy period or which existed within the preceding 36 months from policy inception.","display":"Pre-existing illness/disability not covered; prior conditions within preceding 36 months are excluded.","note":null,"quote":"We also understand that this policy does not cover any pre-existing illness or disability or conditions arising therefrom. ... Any medical condition or complication arising from condition for which medical advice, diagnosis, care, or treatment (includes receiving services and supplies, consultations, diagnostic tests or prescription medicines) was recommended or received before the commencement of the Policy Period ... existed at the time of application for the insurance herein or within preceding 36 months from the date of policy inception.","sources":[{"clause":null,"heading":"POLICY SCHEDULE","page":25,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-policy-schedule"},{"clause":"1","heading":null,"page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-1-2"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Trip curtailment pays the amount specified in the schedule as compensation for travel tickets or hotel booking expenses if the trip is cut short or the insured needs to return to India for stated reasons. Trip cancellation pays the amount specified in the schedule as compensation for unrecoverable travel tickets or hotel booking expenses if the trip must be cancelled before commencement from India for stated reasons.","display":"Trip curtailment and trip cancellation cover travel ticket or hotel booking expenses up to the schedule amount for specified events.","note":"Stated reasons include death or critical illness of the insured or immediate family member, serious damage to the insured residence in India, specified hospitalization, and for cancellation, compulsory quarantine or prevention of travel by Government.","quote":"B) Trip Curtailment–The Company will pay the amount specified in the schedule as compensation towards the expenses incurred for travel tickets or hotel booking, if the Insured’s Trip is cut short or Insured needs to return to India on account of following reasons: ... C) Trip Cancellation - The Company will pay the amount specified in the schedule as compensation towards expenses for travel tickets or hotel booking, which are unrecoverable from any other sources, if the Insured’s trip needs to be cancelled prior to commencement from India on account of:","sources":[{"clause":"4","heading":"Anything listed in General Exclusions","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-4-4"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"Delay of checked-in baggage reimburses emergency purchase of medicine, toiletries and clothing when checked-in baggage is delayed by the common carrier by more than 12 hours beyond arrival outside India, subject to deductible and schedule limit. Loss of checked-in baggage reimburses expenses towards total loss of checked-in baggage by the common carrier at the destination outside India, subject to the schedule limit.","display":"Checked-in baggage delay: emergency purchases after more than 12 hours delay; checked-in baggage loss: total loss by common carrier, subject to schedule limits.","note":"For loss of more than one checked-in bag, the maximum limit of indemnity per bag is restricted to 50% and per item 10% of the applicable sum insured or actuals, whichever is less, after airline compensation.","quote":"A) Delay of Checked-in Baggage- The Company herewith agree to reimburse You the expenses incurred towards the emergency purchase of medicine, toiletries and clothing to replace the ones contained in checked in baggage, subject to deductible and limit specified the policy schedule, in case if Your checked in baggage is delayed by the common carrier by more than 12 hours beyond Your arrival time at the destination outside India. ... B) Loss of Checked-in Baggage- The Company herewith agree to reimburse You the expenses incurred towards the total loss of checked in baggage, subject to limit specified in the policy schedule, in case if your checked in baggage is lost by the common carrier at the destination outside India.","sources":[{"clause":"Section 8","heading":"Personal Solicitude","page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-section-8"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"The policy reimburses the amount specified in the schedule if the insured loses his passport overseas, for expenses incurred in obtaining a duplicate or fresh passport overseas. Loss must be reported to the local overseas police and a written copy obtained within 24 hours.","display":"Reimburses duplicate/fresh passport costs overseas up to schedule amount; police report within 24 hours required.","note":null,"quote":"F) Loss of Passport–The Company will reimburse the Insured, the amount specified in the schedule if the Insured loses his passport overseas. The expenses incurred by the Insured for obtaining a duplicate or fresh passport overseas would be reimbursed. ... Any loss not reported to the local overseas police and written copy of the same not obtained within 24 hours of the occurrence of the event.","sources":[{"clause":"4","heading":"Anything listed in General Exclusions","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-4-4"},{"clause":null,"heading":"Exclusions applicable to Section 7F & G","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-exclusions-applicable-to-section-7f-g"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"A deductible applies for each event claimed. The deductible table lists Medical expenses and evacuation 100, Emergency Dental Care 100, Personal Liability 100, Loss of Passport 30, Hijack Allowance 24 Hours, Trip Delay 12 Hours and other benefit-specific deductibles.","display":"Per event claimed; examples: Medical expenses and evacuation 100, Emergency Dental Care 100, Personal Liability 100, Loss of Passport 30, Hijack Allowance 24 Hours, Trip Delay 12 Hours.","note":"The deductible table does not print a currency for numeric deductibles.","quote":"Deductible will be applicable for each event claimed by the insured. ... Deductibles:\nBenefit | Deductible\nMedical expenses and evacuation | 100\nEmergency Dental Care | 100\nDelay of checked in baggage | 12 Hours\nLoss of Passport | 30\nHijack Allowance | 24 Hours\nTrip Delay | 12 Hours\nPersonal Liability | 100","sources":[{"clause":"20","heading":"“Deductible”-A deductible","page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-20"},{"clause":null,"heading":"U) Premium Discount","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-u-premium-discount"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"The maximum trip duration under a single trip is 180 days. For annual multi trip policies, the period is restricted to 45 days per trip; the policy period can be extended further for 180 days on payment of additional premium.","display":"Single trip: 180 days. Annual multi trip: 45 days per trip. Extension: further 180 days.","note":null,"quote":"The maximum trip duration extended under the single trip will be 180 days and in case of annual multi trip policies the period will be restricted to 45 days per trip. ... The policy period can be from minimum 1 day to maximum 180 days which can be extended further for 180 days on payment of additional premium.","sources":[{"clause":"62","heading":"“Trip”","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-62"},{"clause":null,"heading":"R) Policy Extension","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-r-policy-extension"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Single trip cover is available between 6 months and 75 years of age. Annual multitrip cover is available from 18 years to 70 years of age; senior citizen plans are from 61 years to 75 years; family floater covers self and spouse up to 60 years, dependent children between 6 months and 18 years, and dependent parents up to 70 years.","display":"Single trip: 6 months to 75 years. Annual multitrip: 18 to 70 years. Senior citizen: 61 to 75 years. Family floater: self/spouse up to 60, dependent children 6 months to 18, dependent parents up to 70.","note":"The same wording also says: “In Travel plans minimum entry age of the Insured will be 18 years and maximum entry age would be 60 years and that for dependent children will be 6 months to 18 years.”","quote":"In Senior citizen plans minimum entry age of the Insured will be 61 years and maximum entry age would be 75 years. ... In Multi Trip travel plans for frequent travelers, minimum entry age of the Insured will be 18 years and maximum entry age would be 70 years. ... Single trip cover | Between 6 months to 75 years of age | Yes | Yes\nAnnual Multitrip cover | From 18 years to 70 years of age | Yes | Yes\nFamily floater | i) Self & Spouse-Up to 60 years of age. | Yes | Yes\nii) Dependent Children-Between 6 months to 18 years of age | Yes | Yes\niii) Dependent Parent-Up to 70 years of age | Yes | Yes","sources":[{"clause":"17(ii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-17-ii-2"},{"clause":"17(iii)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-17-iii-2"},{"clause":"17(iv)","heading":"Family floater","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763#c-17-iv"}],"law":[]}],"documents":[{"kind":"wording","label":"Overseas Travel Connect Insurance Policy(Effective from 27.04.2016) - Policy Wordings (UIN - IRDAI/HLT/LVGI/P-T/V.II/32/15-16)","pages":35,"fetched_at":"2026-10-17 19:59:22+00","source_url":"https://www.libertyinsurance.in/Docx/Overseas%20Travel%20Connect%20Insurance%20Policy%20-%20Policy%20Wording.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11762"},{"kind":"wording","label":"Overseas Travel Connect Insurance Policy-Policy Wordings (UIN-LVGTIOP16005V021516)(Effective From 30.09.2024)","pages":32,"fetched_at":"2026-10-17 19:59:24+00","source_url":"https://www.libertyinsurance.in/Docx/Overseas%20Travel%20Connect%20Insurance%20Policy%20-%20Policy%20Wording_v1.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516/document/11763"}],"versions":[{"uin":"LVGTOIP14005V011314","version":null,"approved_on":null},{"uin":"LVGTIOP16005V021516","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Liberty General Insurance official website","url":"https://www.libertyinsurance.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims assistance","url":"https://www.libertyinsurance.in/claims/claims-assistance.html","note":null},{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.libertyinsurance.in/claims/health-claims.html","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.libertyinsurance.in/claims/motor-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.libertyinsurance.in/customer-support/grievance-redressal.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Car insurance renewal","url":"https://www.libertyinsurance.in/products/motor-insurance/car-insurance-renewal","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Overseas Travel Connect Insurance Policy (UIN LVGTIOP16005V021516), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/overseas-travel-connect-insurance-policy-lvgtiop16005v021516"}