{"uin":"LVGTOIP14006V011314","name":"Overseas Student Travel Connect Insurance Policy","url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314","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 a student overseas travel policy for insured journeys outside India, with entry age 14 years to 40 years and maximum trip duration of 1 year. It covers emergency medical expenses abroad, evacuation and repatriation, personal accident, emergency dental care, personal liability, hijack allowance, passport loss and checked-in baggage loss, subject to schedule limits and deductibles.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:31:14.821318+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":"not-stated","value":null,"display":null,"note":"The wording refers to an Insurance Plan in the schedule but does not name the plan variants.","quote":null,"sources":[],"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 starts when the insured boards the aircraft for the overseas journey from India and ends on return to India or the schedule expiry date, whichever is earlier. The original policy period can be up to one year and may be extended further up to one year at a time, for a maximum of three years from original inception.","display":"Up to 1 year originally; ends on return to India or schedule expiry, whichever is earlier; extendable up to 1 year for maximum 3 years from inception","note":null,"quote":"“Policy Period” - means the period starting when the Insured passenger boards the aircraft for onward overseas journey from India on or after the policy commencement date and terminates when he disembarks on return to India or the Expiration date specified in the policy schedule, whichever is earlier. ... The original policy period can be specified periods as mentioned in premium table upto one year as per Insured’s requirement, which can be extended further up to one year on payment of additional premium for maximum three years from the original policy inception date.","sources":[{"clause":"52","heading":"“Policy Period”","page":5,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-52"},{"clause":null,"heading":"T) Policy Extension","page":21,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-t-policy-extension"}],"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 require immediate notification to the insurer or claims administrator. The named insured must notify immediately or not later than 30 days after return to India.","display":"Immediate for medical expenses and emergency evacuation; otherwise 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 of the Company in respect of any Claim under Medical expenses and emergency medical evacuation ... The named Insured shall notify the Insurance Company/Claims administrator of the Company immediately or not later than 30 days after his return to India.","sources":[{"clause":null,"heading":"B) Notification of Claims","page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#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","Consent for Declaration of Medical information form","Original discharge summary","Original set of investigation reports","Original bills and receipts","Pharmacy bills in original with prescriptions","Any other treatment documents based on the discharge summary"],"display":"Claim form, medical information consent, original discharge summary, investigation reports, bills and receipts, pharmacy bills with prescriptions, and other treatment documents","note":"The policy has separate document lists for non-medical benefits.","quote":"Following is the indicative document list for reimbursement claims:\nA) Medical Expenses, Dental treatment\ni) Duly filled and signed claim form.\nii) Consent for Declaration of Medical information form\niii) Original discharge summary\niv) Original set of investigation reports\nv) Original bills and receipts\nvi) Pharmacy bills in original with prescriptions\nvii) Any other treatment documents based on the discharge summary","sources":[{"clause":null,"heading":"Claim Documents Checklist","page":29,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-claim-documents-checklist"}],"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 information within 15 days from claim intimation. Rejection is to be within thirty days of the investigation report or additional investigation report, and accepted settlement is to be paid within 7 days from acceptance of the offer.","display":"Assessment/processing after complete documents within 15 days from intimation; rejection within thirty days of investigation report; payment within 7 days from acceptance of settlement offer","note":"The wording also says delayed payment carries interest at 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","quote":"The Claim will be assessed and processed for payment only on receipt of complete documentation and or information within 15 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, as the case may be ... payment of the claim amount due shall be made within 7 days from the date of acceptance of the offer of settlement by the Insured/ Insured Person.","sources":[{"clause":null,"heading":"E) Assessment of Claim & Payment","page":18,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#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 Pre-existing conditions and complications arising out of the same.","Travel against medical advice, receiving or waiting to receive any medical treatment, received any terminal prognosis for medical condition.","Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness","Insured being under the influence of alcohol, drugs or intoxicating substances during and Insured event.","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.","Attempted or actual engagement of the Insured in any illegal or criminal act.","Participation of the Insured in any sports events as a professional or for gain or rewards thereof.","Pregnancy except ectopic pregnancy resulting to childbirth, miscarriage, abortion, or complication arising out of any of the foregoing expenses related to treatment of infertility or birth control measures","Any claims arising directly or indirectly out of external or internal congenital anomalies.","Experimental, unproven or non-standard treatment.","Treatment by any other system other than modern medicine (also known as Allopathy).","For elective cosmetic/plastic surgery except as a result of accidental bodily injury during the Policy Period.","In respect of Your travel to any country against whom the Republic of India has imposed general or special travel restrictions"],"display":"Pre-existing conditions, travel against medical advice, suicide or self-inflicted injury, alcohol or drugs, war or terrorism, illegal acts, professional sports, pregnancy/infertility exclusions, congenital anomalies, experimental treatment, non-allopathic treatment, elective cosmetic surgery, and restricted countries","note":null,"quote":"Any Pre-existing conditions and complications arising out of the same. ... Travel against medical advice, receiving or waiting to receive any medical treatment, received any terminal prognosis for medical condition. ... Suicide, attempted suicide (whether sane or insane) or intentionally self-inflicted Injury or Illness ... Insured being under the influence of alcohol, drugs or intoxicating substances during and Insured event. ... 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. ... Attempted or actual engagement of the Insured in any illegal or criminal act. ... Participation of the Insured in any sports events as a professional or for gain or rewards thereof. ... Pregnancy except ectopic pregnancy resulting to childbirth, miscarriage, abortion, or complication arising out of any of the foregoing expenses related to treatment of infertility or birth control measures ... Any claims arising directly or indirectly out of external or internal congenital anomalies. ... Experimental, unproven or non-standard treatment. ... Treatment by any other system other than modern medicine (also known as Allopathy). ... For elective cosmetic/plastic surgery except as a result of accidental bodily injury during the Policy Period. ... In respect of Your travel to any country against whom the Republic of India has imposed general or special travel restrictions","sources":[{"clause":"14","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-14-3"},{"clause":"16","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-16-3"},{"clause":"6","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-6-2"},{"clause":"8","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-8-5"},{"clause":"10","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-10-2"},{"clause":"2","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-2-10"},{"clause":"9","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-9-4"},{"clause":"12","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-12-4"},{"clause":"13","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-13-2"},{"clause":"20","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-20-2"},{"clause":"22","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-22-2"},{"clause":"11","heading":null,"page":9,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-11-2"},{"clause":"17","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-17-3"}],"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":"quote-verified","value":"First contact Liberty General Insurance by toll-free number, email or written complaint. If the response does not meet expectations, escalate to Manager@libertyinsurance.in and then ServiceHead@libertyinsurance.in before approaching the Insurance Ombudsman.","display":"Step 1: call 1800-266-5844, email care@libertyinsurance.in or write to the Mumbai office; Step 2: Manager@libertyinsurance.in; then ServiceHead@libertyinsurance.in","note":null,"quote":"Step 1:\nCall us- on our Toll free no-1800-266-5844 (8:00 AM to 8:00 PM, 7 days of the week)\nEmail us at- care@libertyinsurance.in\nWrite to us-\nLiberty General Insurance Ltd 10th Floor, Tower A, Peninsula Business Park, GanpatraoKadamMarg, Lower Parel, Mumbai- 400013\nStep 2:\nIf our response or resolution does not meet your expectations, you can escalate at Manager@libertyinsurance.in ... If you are still not satisfied with the resolution provided, you can further escalate at ServiceHead@libertyinsurance.in","sources":[{"clause":null,"heading":"Grievance Redressal Procedure","page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-grievance-redressal-procedure"},{"clause":null,"heading":"Step","page":23,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-step"}],"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 incurred by the Insured outside Republic of India","Emergency Medical Evacuation to the Hospital in India","Repatriation of the Mortal Remains","Accidental Bodily Injury","Emergency Dental Care","Personal Liability","Hijack Allowance","Volcanic Eruption Cover","Loss of Passport","Loss of Checked-in Baggage","Bail bond Insurance","Study Disruption","Sponsor Protection","Compassionate Visit","Common Carrier-Accidental Death & Disability","Maternity Cover with New Born Baby Expenses","Complications of Pregnancy"],"display":"Medical expenses abroad, emergency evacuation, repatriation of mortal remains, personal accident, emergency dental care, personal liability, hijack allowance, volcanic eruption cover, loss of passport, checked-in baggage loss, bail bond, study disruption, sponsor protection, compassionate visit, common carrier accidental death and disability, maternity/new born expenses and complications of pregnancy","note":"Volcanic Eruption Cover applies where the insured has opted for the plan with this cover.","quote":"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. ... Emergency Medical Evacuation to the Hospital in India due to accidental injury and/or illness occurring during the Policy Period. ... Repatriation of the Mortal Remains to the Republic of India in case of death of the Insured on account of Insured event ... We will cover an Accidental Bodily Injury sustained during the course of the Insured Journey ... Emergency Dental Care ... Personal Liability ... Hijack Allowance ... Volcanic Eruption Cover ... Loss of Passport ... Loss of Checked-in Baggage ... Bail bond Insurance ... Study Disruption ... Sponsor Protection ... Compassionate Visit ... Common Carrier-Accidental Death & Disability ... Maternity Cover with New Born Baby Expenses ... Complications of Pregnancy","sources":[{"clause":"Section 1","heading":"Medical expenses, Medical Evacuation and Repatriation","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-1"},{"clause":"Section 1(vii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-1-vii"},{"clause":"Section 2","heading":"Personal accident","page":8,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-2"},{"clause":"Section 3","heading":"Emergency Dental Care","page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-3"},{"clause":"Section 4","heading":"Personal Liability","page":10,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-4"},{"clause":"Section 5","heading":"Hijack Allowance","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-5"},{"clause":"Section 6","heading":"Travel Impediments","page":11,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-6"},{"clause":"3","heading":null,"page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-3-5"},{"clause":"Section 7","heading":"Personal Solicitude","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-7"},{"clause":"6","heading":null,"page":13,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-6-4"},{"clause":"Section 8","heading":"Common Carrier-Accidental Death & Disability","page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-8"},{"clause":"Section 9","heading":"Maternity Cover with New Born Baby Expenses","page":14,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-9"},{"clause":"Section 10","heading":"Complications of Pregnancy","page":15,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-10"}],"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 insured may cancel after 15 days from policy inception by written intimation if the insured journey has not commenced. The company deducts cancellation charges subject to a minimum of Rs.250/-, uses the short-rate table if no claim or trip has occurred, and gives no return premium if a claim has occurred or a trip has happened; early return refunds use the printed percentage retention table.","display":"Cancellation after 15 days if journey has not commenced; minimum Rs.250/- cancellation charge; short-rate refund if no claim/trip; no return if claim/trip; early-return retention 100%, 80%, 75%, 60% or 50% depending on risk period used","note":null,"quote":"This Policy may be cancelled by the Insured after 15 days from the date of policy inception, by intimation in writing to the Company as long as the Insured is able to establish to the Company’s satisfaction that the Insured Journey has not commenced. ... Upon cancellation, the Company shall be entitled to deduct cancellation charges subject to retaining a minimum of Rs.250/-. ... provided no claim has occurred and/or no Trip has happened up to the date of cancellation. In the event a claim has occurred and/or trip has happened in which case there shall be no return of premium. ... Risk Period | % of Premium retained by Company\nAbove 50% of Policy Period | 100\nAbove 40% to 50% of Policy Period | 80\nAbove 30% to 40% of Policy Period | 75\nAbove 20% to 30 of Policy Period | 60\nUp to 20% of Policy Period | 50","sources":[{"clause":"17(i)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-17-i-4"},{"clause":"17(ii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-17-ii-2"},{"clause":"17(iii)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-17-iii-2"},{"clause":"17(iv)","heading":null,"page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-17-iv"}],"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 cover is for insured journeys to destinations outside India. Claims are excluded for travel to any country against which India has imposed travel restrictions or which has imposed restrictions against travel by Indian citizens.","display":"Outside India, except restricted countries","note":"The policy schedule has a Geographical Coverage field, but the wording supplied does not list countries.","quote":"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. ... “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 ... In respect of Your travel to any country against whom the Republic of India has imposed general or special travel restrictions, or against whom it may be impose such restrictions, or any country which has imposed or may impose subsequently, such restrictions against travel by a citizen of the Republic of India to such country.","sources":[{"clause":"Section 1","heading":"Medical expenses, Medical Evacuation and Repatriation","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-1"},{"clause":"36","heading":null,"page":4,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-36"},{"clause":"17","heading":null,"page":17,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-17-3"}],"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":"Emergency medical expenses incurred outside India for emergency care and illness first occurring during the policy period or contracted during the trip are covered up to the sum insured in the policy schedule, subject to the deductible. Covered expenses include doctor fees, room and boarding, emergency outpatient treatment, investigations, day care procedures, accidental dental care, ambulance, emergency medical evacuation and repatriation.","display":"Emergency medical expenses abroad covered up to the Sum Insured specified in the Policy schedule, subject to deductible","note":"The wording does not print a fixed monetary sum insured; it refers to the policy schedule.","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. ... Doctor’s Fees along with prescription. ... Expenses towards the room and boarding use of Emergency room, operation theatre, surgeon charges in accordance with the room and the duration of the patient’s stay in the hospital. ... Emergency Outpatient treatments if the same is critical and cannot remain unattended till the Insured’s return to India. ... Emergency Medical Evacuation to the Hospital in India due to accidental injury and/or illness occurring during the Policy Period. ... Repatriation of the Mortal Remains to the Republic of India in case of death of the Insured on account of Insured event up to the limit specified in the Policy","sources":[{"clause":"Section 1","heading":"Medical expenses, Medical Evacuation and Repatriation","page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-1"},{"clause":"Section 1(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-1-i"},{"clause":"Section 1(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-1-ii"},{"clause":"Section 1(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-1-iii"},{"clause":"Section 1(vii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-1-vii"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing conditions and complications are excluded under the base policy. They are covered only if the optional Pre-existing Ailment cover is opted on payment of additional premium, up to the sublimit mentioned in the policy.","display":"Not covered in base policy; optional Pre-existing Ailment cover available for additional premium up to the policy sublimit","note":"The optional cover deletes Exclusion 1 under Sections 1 and 2 and general exclusion 14 for this benefit.","quote":"Any Pre-existing conditions and complications arising out of the same. ... If the cover is opted by the Insured, on payment of additional premium, the Company is liable to pay the amount specified in the policy schedule subject to policy terms, conditions and exclusions under Section 1. The cover is extended towards the medical expenses incurred by the Insured outside India. The benefit is payable up to the sublimit mentioned in the policy for the cover.","sources":[{"clause":"14","heading":null,"page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-14-3"},{"clause":"Section 12","heading":"Pre-existing Ailment","page":16,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-12"}],"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":"not-stated","value":null,"display":null,"note":"No trip cancellation or trip curtailment benefit was found in the wording.","quote":null,"sources":[],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"The policy reimburses expenses for total loss of checked-in baggage lost by the common carrier at a destination outside India, subject to deductible and the schedule limit. If more than one checked-in bag is lost, the per-bag maximum is restricted to actuals or 50% and per item to 10% of the applicable sum insured after airline compensation.","display":"Total loss of checked-in baggage by the common carrier is covered; per bag actuals or 50%, per item 10% of Sum Insured after airline compensation","note":"No baggage delay benefit was found in the wording.","quote":"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 deductible and limit specified the policy schedule, in case if your checked in baggage is lost by the Common Carrier at the destination outside India. ... In case more than one checked in bags are lost then the maximum limit of Indemnity per bag would be restricted to actuals or 50% and per item 10% of the applicable Sum Insured, after deduction of refund or compensation provided by the airline.","sources":[{"clause":"Section 7","heading":"Personal Solicitude","page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-section-7"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"The policy reimburses the scheduled amount if the insured loses the passport overseas, for obtaining a duplicate or fresh passport overseas or within 30 days of return to India.","display":"Costs for duplicate or fresh passport overseas or within 30 days of return to India","note":"Loss must be reported to local overseas police and a written copy obtained within 24 hours for the section exclusions not to apply.","quote":"Loss of Passport–The Company will reimburse the Insured, the amount specified in the schedule if the Insured loses the passport overseas, for obtaining a duplicate or fresh passport overseas or within 30 days of his return to India.","sources":[{"clause":"3","heading":null,"page":12,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-3-5"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"Deductible is the amount or time first borne by the insured for each claim. The printed deductible table states: medical expenses and evacuation USD 100, emergency dental care USD 100, loss of passport USD 30, hijack allowance 24 Hours, personal liability USD 100, bail bond insurance USD 50, volcanic eruption cover 12 Hours, mental/nervous illness 24 Hours, maternity cover with new born baby expenses USD 100, and complications of pregnancy USD 100.","display":"Per claim/event deductibles include USD 100 for medical expenses and evacuation, USD 100 emergency dental, USD 30 loss of passport, USD 100 personal liability, USD 50 bail bond, 24 Hours hijack, 12 Hours volcanic eruption, 24 Hours mental/nervous illness, and USD 100 maternity/complications","note":"The definition also says the deductible applies for each event claimed by the insured.","quote":"“Deductible”-Amount or time stated in the schedule, which will be first borne by the Insured in respect of each and every claim. ... Benefits | Amount in USD/Time in Hours\nMedical expenses and evacuation | 100\nEmergency Dental Care | 100\nLoss of Passport | 30\nHijack Allowance | 24 Hours\nPersonal Liability | 100\nBail Bond Insurance | 50\nVolcanic Eruption Cover | 12 Hours\nMental/Nervous Illness | 24 Hours\nMaternity Cover with new born baby expenses | 100\nComplications of pregnancy | 100","sources":[{"clause":"18","heading":null,"page":3,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-18"},{"clause":null,"heading":"Deductibles","page":22,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-deductibles"}],"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 this policy is restricted to 1 year.","display":"1 year","note":null,"quote":"The maximum trip duration extended under this Policy is restricted to 1 year.","sources":[{"clause":"65","heading":"“Trip”","page":6,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-65"}],"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":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days","note":"Available only at first issuance of the policy and not for policy extensions at the end of the policy term.","quote":"A period of 15 days from the date of receipt of the Policy document is available to review the terms and conditions of this Policy.","sources":[{"clause":null,"heading":"L) Free-look Cancellation","page":20,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-l-free-look-cancellation"}],"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":"The entry age of the insured is 14 years and the exit age is 40 years. Proposals for minors must be proposed by the parent or guardian of the student.","display":"Entry age 14 years; exit age 40 years","note":null,"quote":"The Age shall be computed as on the Risk start Date. In Student Overseas Travel plans the entry age of the Insured will be 14 years and exit age would be 40 years. All proposals for minor will have to be proposed by the Parent or Guardian of the student.","sources":[{"clause":"17(I)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761#c-17-i-3"}],"law":[]}],"documents":[{"kind":"wording","label":"Overseas Student Travel Connect Insurance Policy-Policy Wordings (UIN-LVGTIOP16004V021516)(Effective from 30.09.2024)","pages":31,"fetched_at":"2026-10-17 19:59:20+00","source_url":"https://www.libertyinsurance.in/Docx/Overseas%20Student%20Travel%20Connect%20Insurance%20-%20Policy%20Wordings_V1.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11760"},{"kind":"wording","label":"Overseas Student Travel Connect Insurance Policy (Effective from 27.04.2016) - Policy Wordings (UIN - IRDAI/HLT/LVGI/P-T/V.II/33/15-16)","pages":33,"fetched_at":"2026-10-17 19:59:18+00","source_url":"https://www.libertyinsurance.in/Docx/Overseas%20Student%20Travel%20Connect%20Insurance%20-%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314/document/11761"}],"versions":[{"uin":"LVGTIOP16004V021516","version":null,"approved_on":null},{"uin":"LVGTOIP14006V011314","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 Student Travel Connect Insurance Policy (UIN LVGTOIP14006V011314), IndiaInsurances, https://indiainsurances.com/policy/liberty-general-insurance/overseas-student-travel-connect-insurance-policy-lvgtoip14006v011314"}