{"uin":"NICTIOP24116V012324","name":"National Overseas Travel Policy","url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324","insurer":{"slug":"national-insurance","name":"National Insurance Company Limited","url":"https://indiainsurances.com/insurer/national-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"National Overseas Travel Policy covers overseas holiday or business trips on Single Trip and Annual Plan variants. It includes emergency medical expenses abroad, baggage, passport and visa loss, trip cancellation and curtailment, with medical limits by region and plan from US$ 5,000 to US$ 5,00,000 or € 30,000 and € 50,000.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:36:03.840845+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","Annual Plan"],"display":"Single Trip; Annual Plan","note":null,"quote":"Single Trip Policy shall be valid for a single Covered Trip which shall also be the Policy Period. Trip Duration of a single Covered Trip can be of up to a maximum of 180 days, Annual Plan shall have a Policy Period of 12 months and shall cover any number of Covered Trips of up to 30/ 60 days each undertaken during the period, with aggregate Trip Duration during the Policy Period of 180 days.","sources":[{"clause":null,"heading":"3 BENEFITS COVERED UNDER THE POLICY","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-benefits-covered-under-the-policy"}],"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":"Single Trip is valid for one covered trip up to 180 days. Annual Plan has a policy period of 12 months and covers multiple trips of up to 30 or 60 days each, with 180 days aggregate trip duration.","display":"Single Trip up to 180 days; Annual Plan 12 months","note":null,"quote":"Single Trip Policy shall be valid for a single Covered Trip which shall also be the Policy Period. Trip Duration of a single Covered Trip can be of up to a maximum of 180 days, Annual Plan shall have a Policy Period of 12 months and shall cover any number of Covered Trips of up to 30/ 60 days each undertaken during the period, with aggregate Trip Duration during the Policy Period of 180 days.","sources":[{"clause":null,"heading":"3 BENEFITS COVERED UNDER THE POLICY","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-benefits-covered-under-the-policy"}],"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":"The insured person must notify the Service Provider in writing by letter, e-mail and fax within 72 hours of an event which may result in a claim, even if assistance is not required.","display":"Within 72 hours of the event","note":null,"quote":"i) The Insured Person shall notify the Service Provider in writing by letter, e-mail, and fax within 72 hours of occurrence of an event which may result in a claim under any Section of the Policy, even if assistance is not required with as much information concerning the event as is available.","sources":[{"clause":"5.8.1","heading":"Claims Intimation","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-5-8-1"}],"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":["Original Policy/ self-attested copy of original Policy","Copy of passport, with entry, exit stamps","Original tickets of common carrier and boarding pass","Any other document required by Company/Service Provider","Section specific documents"],"display":"Original Policy or self-attested copy, passport copy with entry/exit stamps, tickets and boarding pass, other required and section-specific documents","note":null,"quote":"Every claim shall be supported by the following documents, along with Section specific documents, submitted within 30 days from the date of the event resulting to the claim or from the expiry of the policy period as mentioned in the Schedule, whichever is earlier:\n1. Original Policy/ self-attested copy of original Policy\n2. Copy of passport, with entry, exit stamps\n3. Original tickets of common carrier and boarding pass\n4. Any other document required by Company/Service Provider Claims under each section shall be supported by the list of documents mentioned under each section.","sources":[{"clause":"5.8.5","heading":"Claim Documents","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-5-8-5"}],"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":"On receipt of the final documents or investigation report, the Company must within 30 days offer settlement or communicate rejection. Payment is due within 7 days from acceptance of the offer, with interest at 2% above bank rate for delay.","display":"30 days to offer settlement or reject from final documents/investigation report; 7 days to pay after acceptance","note":null,"quote":"i) On receipt of the final document(s) or investigation report (if any), as the case may be, the Company shall within a period of 30 days offer a settlement of the claim to the Insured Person. ... ii) If the Company, for any reasons, decides to reject a claim under the Policy, it shall communicate to the Insured Person in writing and within a period of 30 days from the receipt of the final document(s) or investigation report (if any), as the case may be. ... iii) Upon acceptance of an offer of settlement as stated above by the Insured Person, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the Company. ... iv) In the cases of delay in the payment, the Company shall pay interest at a rate 2% above the bank rate prevalent in the Republic of India at the beginning of the financial year in which the claim is paid.","sources":[{"clause":"5.8.4","heading":"Settlement of claims","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-5-8-4"}],"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":["Deductible","Non Insurable Condition","Drug/Alcohol Abuse","Professional Sports","Accidents arising from Motorized Two Wheelers","Risky Avocation","Exposure to Needless Peril","Travel Restriction","Breach of Law","Radioactivity","Military Exercise","Terrorism","War Group Perils","Any claim due to or arising out of pre-existing medical condition /ailment whether declared or not."],"display":"Deductible, non-insurable conditions, drug/alcohol abuse, professional sports, motorized two-wheeler accidents, risky avocation, travel restrictions, breach of law, radioactivity, military exercise, terrorism, war group perils and pre-existing medical condition claims","note":null,"quote":"General Exclusions a. Deductible b. Non Insurable Condition c. Drug/Alcohol Abuse d. Professional Sports e. Accidents arising from Motorized Two Wheelers f. Risky Avocation g. Exposure to Needless Peril h. Travel Restriction i. Breach of Law j. Radioactivity k. Military Exercise l. Terrorism m. War Group Perils ... Any claim due to or arising out of pre-existing medical condition /ailment whether declared or not.","sources":[{"clause":"Row 6","heading":"Exclusion","page":2,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13171#c-row-6"},{"clause":null,"heading":"Extension for Continued Treatment in Country of Residence","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-extension-for-continued-treatment-in-country-of"}],"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":"For a grievance related to the policy, the insured person may first submit it in writing to the Policy Issuing Office or the Grievance cell at the Regional Office. If unaddressed, they may contact the Customer Relationship Management Department at National Insurance Company Limited.","display":"First write to the Policy Issuing Office or Regional Office Grievance cell; then CRM Dept. if unaddressed","note":null,"quote":"In case of any grievance related to the Policy, the insured person may submit in writing to the Policy Issuing Office or Grievance cell at Regional Office of the Company for redressal. If the grievance remains unaddressed, the insured person may contact Customer Relationship Management Dept., National Insurance Company Limited, Premises No. 18-0374, Plot no. CBD-81, New Town, Kolkata - 700156, email: customer.relations@nic.co.in, griho@nic.co.in","sources":[{"clause":null,"heading":"6 REDRESSAL OF GRIEVANCE","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-6-redressal-of-grievance"}],"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":["Emergency Medical Expenses","Emergency Dental Pain Relief","Medical Evacuation","Repatriation of Mortal Remains","Emergency Medical Reunion","Hospitalisation Daily Allowance","Trip Delay","Trip Cancellation","Trip Curtailment","Missed Connection","Minor Children Care","Hijack Distress Allowance","Bounced Hotel & Flight Booking","Pet Care Cover","Home Burglary Cover","Death due to Accident while on a Covered Trip","Disability due to Accident while on a Covered Trip","Death due to Common Carrier while on a Covered Trip","Delay of Checked in Baggage","Loss of Checked in Baggage","Loss of Passport and / or Visa","Loss of International Driving License","Emergency Cash Advance","Personal Liability","Travel Assistance","Automatic Extension of Policy Period"],"display":"Medical, travel, lifestyle, accident, baggage, document loss, emergency cash, liability, assistance and policy extension covers","note":"Optional covers on payment of additional premium are Laptop Cover and Personal Accident (while Traveling in Home Country).","quote":"Expenses in respect of: i. Emergency Medical Expenses ii. Emergency Dental Pain Relief iii. Medical Evacuation iv. Repatriation of Mortal Remains v. Emergency Medical Reunion vi. Hospitalisation Daily Allowance. vii. Trip Delay viii. Trip Cancellation ix. Trip Curtailment x. Missed Connection xi. Minor Children Care xii. Hijack Distress Allowance xiii. Bounced Hotel & Flight Booking xiv. Pet Care Cover xv. Home Burglary Cover xvi. Death due to Accident while on a Covered Trip xvii. Disability due to Accident while on a Covered Trip xviii. Death due to Common Carrier while on a Covered Trip xix. Delay of Checked in Baggage xx. Loss of Checked in Baggage xxi. Loss of Passport and / or Visa xxii. Loss of International Driving License xxiii. Emergency Cash Advance xxiv. Personal Liability xxv. Travel Assistance xxvi. Automatic Extension of Policy Period ... Optional Covers(on payment of additional premium) i. Laptop Cover ii. Personal Accident (while Traveling in Home Country)","sources":[{"clause":"Row 5","heading":"Policy Coverage","page":1,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13171#c-row-5"}],"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 at any time during the term by giving 7 days' written notice. Single Trip policies get no refund if premium is up to ₹ 250, a ₹ 250 cancellation fee if premium is at least ₹ 251, no refund if purchased within 48 hours prior to Policy Period, and no refund after Policy Period starts; Annual policies get proportionate premium for the unexpired period if no claim, retaining minimum premium of ₹ 250.","display":"7 days' notice; Single Trip refund subject to ₹ 250 rules and no post-commencement refund; Annual proportionate unexpired premium subject to no claim and minimum ₹ 250","note":null,"quote":"The policyholder may cancel his/her policy at any time during the term, by giving 7 days’ notice in writing. ... I) Refund for Single Trip Policies In case of Single Trip Policies:\na) If the total policy premium is less than or equal to ₹ 250 then no refund shall be applicable.\nb) If the total policy premium is at least ₹ 251 then fixed cancellation fee of ₹ 250 shall be charged and balance amount shall be refunded.\nc) In case policy is purchased within 48 hours prior to Policy Period then no refund shall be applicable upon cancellation of such policies.\nd) No refunds of premium shall be made if policy is cancelled post commencement of the Policy Period. ... II) Refund for Annual Policies In case of Annual Policy, the Insurer shall refund proportionate premium for unexpired policy period, subject to no claim(s) made during the policy period and retaining minimum premium of ₹ 250/-.\nNotwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed under the Policy.","sources":[{"clause":"5.12","heading":"Cancellation","page":17,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-5-12"},{"clause":"5.12(I)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-5-12-i"},{"clause":"5.12(II)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-5-12-ii"}],"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":"Coverage is for travel outside India in the opted region: ASEAN excluding Singapore, Asia excluding Japan, Schengen and EU, Worldwide excluding USA & Canada, or Worldwide including USA & Canada.","display":"Outside India: ASEAN excluding Singapore, Asia excluding Japan, Schengen and EU, Worldwide excluding USA & Canada, or Worldwide including USA & Canada","note":null,"quote":"ASEAN (excluding Singapore) covers travel to member countries of Association of Southeast Asian Nations, i.e. Brunei, Cambodia, Indonesia, Laos, Malaysia, Burma, Philippines, Thailand, Vietnam, but excluding Singapore. Asia (excluding Japan) covers travel to all Asian countries, including ASEAN countries, Singapore, but excluding Japan. Schengen and EU covers travel to member countries of Schengen Agreement and European Union. Worldwide (Excl. USA & Canada) covers travel to all countries worldwide, including all ASEAN countries, all Asian countries, all Schengen and EU countries, but excluding USA and Canada. Worldwide (Incl. USA & Canada) covers travel to all countries worldwide, including USA and Canada.","sources":[{"clause":null,"heading":"Table of Benefits","page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-table-of-benefits"}],"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 Emergency Medical Expenses incurred for Emergency Care while abroad for illness or injury during a covered trip, not due to a pre-existing condition. Section 1 limits vary by region and plan from US$ 5,000 to US$ 5,00,000, with Schengen and EU plans of € 30,000 and € 50,000.","display":"Emergency Medical Expenses abroad, not due to pre-existing condition, up to plan limit from US$ 5,000 to US$ 5,00,000 or € 30,000/€ 50,000","note":"The exact limit depends on the country/region of visit and plan opted.","quote":"The Company shall indemnify the Insured for the Medical Expenses reasonably incurred by the Insured Person for Emergency Care while abroad undertaken on account of any Illness contracted or Injury sustained whilst on a Covered Trip during the Policy Period and not due to any pre-existing condition, subject to the overall liability of the Company not exceeding the limit for the coverage as mentioned in the Schedule. ... Coverage | in US$ | in US$ | in € | in US$ | in US$ | (€/ $)\nSection 1 – Emergency Medical Expenses | 5,000 | 10,000 | 15,000 | 20,000 | 30,000 | 50,000 | 25,000 | 50,000 | 1,00,000 | 2,50,000 | 3,00,000 | 4,00,000 | 5,00,000 | 25,000 | 50,000 | 1,00,000 | 2,50,000 | 3,00,000 | 4,00,000 | 5,00,000 | 100","sources":[{"clause":"3.1","heading":"Section 1 - Emergency Medical Expenses","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-1"},{"clause":null,"heading":"Table of Benefits","page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-table-of-benefits"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing condition claims are not covered. Emergency medical expenses are covered only when not due to any pre-existing condition, and claims due to or arising out of pre-existing medical condition or ailment are excluded whether declared or not.","display":"No; claims due to or arising out of pre-existing medical condition /ailment are excluded","note":null,"quote":"whilst on a Covered Trip during the Policy Period and not due to any pre-existing condition ... Any claim due to or arising out of pre-existing medical condition /ailment whether declared or not.","sources":[{"clause":"3.1","heading":"Section 1 - Emergency Medical Expenses","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-1"},{"clause":null,"heading":"Extension for Continued Treatment in Country of Residence","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-extension-for-continued-treatment-in-country-of"}],"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 Cancellation reimburses official cancellation charges for pre-booked accommodation and travel arrangements if the covered trip is cancelled wholly before leaving India due to listed contingencies. Trip Curtailment reimburses official cancellation charges for pre-booked accommodation and travel arrangements if the trip is cancelled partially after leaving India due to inability to continue the covered trip and listed contingencies.","display":"Cancellation before leaving India and curtailment after leaving India reimburse official cancellation charges for pre-booked accommodation and travel arrangements, subject to listed contingencies and schedule limits","note":"Covered contingencies include natural catastrophe/terrorism near the port, specified emergency hospitalisation and death; curtailment also includes hijack of the common carrier.","quote":"In the event of the Covered Trip being cancelled wholly before leaving the Republic of India due to any of the following contingencies, the Company shall reimburse the Insured Person the official cancellation charges for pre-booked accommodation and travel arrangements, if any, subject to the limit for the coverage as mentioned in the Schedule. ... In the event of the trip being cancelled partially due to inability to continue the Covered Trip, after leaving the Republic of India due to any of the following contingencies, the Company shall reimburse the Insured Person official cancellation charges for pre-booked accommodation and travel arrangements, if any, subject to the limit for the coverage as mentioned in the Schedule","sources":[{"clause":"3.8","heading":"Section 8 - Trip Cancellation","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-8"},{"clause":"3.9","heading":"Section 9 - Trip Curtailment","page":6,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-9"}],"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 pays a fixed allowance for incidental expenses if delivery is delayed more than 12 hours beyond the scheduled or expected delivery time. Loss of Checked in Baggage pays for total loss of contents of checked-in baggage, subject to the schedule limit and airline admission and compensation.","display":"Checked-in baggage delay over 12 hours and total loss of checked-in baggage contents are covered","note":null,"quote":"In the event of delay in delivery of Checked-In Baggage, the Company shall pay to the Insured Person, a fixed allowance towards incidental expenses incurred by the Insured Person, provided the delay is more than 12 hours beyond the scheduled / expected time of delivery of Checked-In Baggage by the Airlines. ... In the event of the Insured Person suffering a total loss of baggage that has been checked in by an Airlines, the Company shall pay for loss of contents of the Checked-In Baggage, subject to the limit for the coverage as mentioned in the Schedule. ... The Company’s liability to make any payment shall not arise until liability is admitted and paid by the Airline in the form of compensation, and is supported by documentary proof issued by Airline.","sources":[{"clause":"3.19","heading":"Section 19 - Delay of Checked in Baggage","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-19"},{"clause":"3.20","heading":"Section 20 - Loss of Checked in Baggage","page":10,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-20"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"Loss of Passport and/or Visa due to theft and/or burglary during the covered trip is covered by reimbursement of reasonable expenses for obtaining duplicate Passport/Visa in the Country of Visit, subject to the schedule limit. The claim is payable only once during the covered trip.","display":"Reasonable expenses for duplicate Passport/Visa in the Country of Visit, due to theft or burglary, once per trip","note":null,"quote":"In the event of Insured Person’s loss of Passport and/or Visa due to theft and/ or burglary during the Covered Trip, the Company shall reimburse reasonable expenses incurred in obtaining duplicate Passport/ Visa in the Country of Visit, subject to the limit as mentioned in the Schedule. Claim under this Section shall be payable only once during the Covered Trip.","sources":[{"clause":"3.21","heading":"Section 21 - Loss of Passport and/ or Visa","page":11,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-3-21"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"Deductible varies by section in the Table of Benefits and applies per claim if applicable. Examples in the table include Section 1 Emergency Medical Expenses 100, Trip Delay 12 hrs, Home Burglary 5%, and some sections with Nil deductible.","display":"Varies by section: Section 1 has 100; Trip Delay 12 hrs; Home Burglary 5%; several sections Nil","note":"Currency and units follow the Table of Benefits deductible column for each section.","quote":"Deductible (if applicable) in respect of each claim, as mentioned in the Table of Benefits. ... Section 1 – Emergency Medical Expenses | 5,000 | 10,000 | 15,000 | 20,000 | 30,000 | 50,000 | 25,000 | 50,000 | 1,00,000 | 2,50,000 | 3,00,000 | 4,00,000 | 5,00,000 | 25,000 | 50,000 | 1,00,000 | 2,50,000 | 3,00,000 | 4,00,000 | 5,00,000 | 100 ... Section 7 – Trip Delay | x | x | x | x | x | x | x | x | 20 per 12 hrs max 120 | 30 per 12 hrs max 180 | 30 per 12 hrs max 180 | 40 per 12 hrs max 200 | 50 per 12 hrs max 250 | x | x | 20 per 12 hrs max 120 | 30 per 12 hrs max 180 | 30 per 12 hrs max 180 | 40 per 12 hrs max 200 | 50 per 12 hrs max 250 | 12 hrs ... Section 15 - Home Burglary | x | x | x | x | x | x | x | x | ₹ 50K | ₹ 50K | ₹ 50K | ₹ 50K | ₹ 75K | x | x | ₹ 50K | ₹ 50K | ₹ 50K | ₹ 50K | ₹ 75K | 5% ... Section 8 – Trip Cancellation | x | 100 | x | 150 | 250 | 300 | 200 | 300 | 500 | 750 | 1,000 | 1,000 | 1,000 | 200 | 300 | 500 | 750 | 1,000 | 1,000 | 1,000 | Nil","sources":[{"clause":"4.1","heading":"Deductible","page":14,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-4-1"},{"clause":null,"heading":"Table of Benefits","page":19,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-table-of-benefits"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"Single Trip has a maximum initial trip duration of 180 days and may be extended by up to an additional 180 days, up to 360 days in total. Annual Plan covers each trip for 30 or 60 days as opted, with aggregate trip durations during the policy period of 180 days.","display":"Single Trip: 180 days initially, extendable to 360 days total; Annual Plan: 30/60 days per trip, 180 days aggregate","note":null,"quote":"The maximum initial Trip Duration under a Single Trip that may be covered under the Policy shall be 180 days. The cover can be extended for further period in case of change in the Insured Person’s travel schedule. The Policy may be extended beyond the maximum initial period of 180 days during the same Trip, by a maximum of up to an additional 180 days, i.e. up to 360 days in total, by collecting additional premium. ... The maximum Trip Duration of each Trip that may be covered under the Policy shall be 30/ 60 days (as opted) and the aggregate of Trip Durations during the Policy Period shall be 180 days.","sources":[{"clause":null,"heading":"Single Trip","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-single-trip"},{"clause":null,"heading":"Annual Plan","page":16,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-annual-plan"}],"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":30},"display":"30 days (Annual Plan only)","note":"Applicable to Annual Plan only and at inception of the Policy.","quote":"The Free Look Period shall be applicable at the inception of the Policy, subject to retaining minimum premium of ₹ 250/-. The insured shall be allowed a period of thirty days from date of receipt of the Policy to review the terms and conditions of the Policy, and to return the same if not acceptable.","sources":[{"clause":"5.16","heading":"Free Look Period (applicable to Annual Plan only)","page":18,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011#c-5-16"}],"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":"On Individual Basis, the proposer should be 18 years of age and above, and children between 6 months and 18 years may be covered if the parent or guardian is covered concurrently. On Floater Basis, proposer and spouse should be aged between 18 years and 60 years, children between 6 months and 18 years may be covered, and insured persons above 70 years must submit pre-policy checkup reports.","display":"Individual: proposer 18 years and above; children 6 months to 18 years. Floater: proposer/spouse 18 to 60 years; above 70 years requires pre-policy checkup.","note":"No single overall maximum entry age for Individual Basis is stated in the cited eligibility clauses.","quote":"Individual Basis: Individual sum insured shall apply to each member of the family travelling together.\ni) Proposer should be 18 years of age and above.\nii) Children between the age of 6 months and 18 years may be covered, provided the parent(s)/ guardian(s) is/ are covered concurrently (Childhood Disease Endorsement to be attached). ... Floater Basis: For a family satisfying the following eligibility may opt for Floater sum insured, which shall apply to all member of the family travelling together.\ni) Proposer and Spouse should be aged between 18 years and 60 years.\nii) Children between the age of 6 months and 18 years may be covered, provided the parent(s)/ guardian(s) is/ are covered concurrently (Childhood Disease Endorsement to be attached). ... Insured person above 70 years should submit the following reports along with the Proposal Form.","sources":[{"clause":null,"heading":"Individual Basis","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13104#c-individual-basis"},{"clause":null,"heading":"Floater Basis","page":3,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13104#c-floater-basis"},{"clause":"3.12","heading":"Pre Policy Checkup","page":5,"url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13104#c-3-12"}],"law":[]}],"documents":[{"kind":"wording","label":"NOTP Wordings","pages":21,"fetched_at":"2026-10-17 19:56:52+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NOTP%20Policy%20Wordings.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13011"},{"kind":"prospectus","label":"NOTP Prospectus","pages":14,"fetched_at":"2026-10-17 19:59:37+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NOTP%20Prospectus.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13104"},{"kind":"cis","label":"NOTP CIS","pages":4,"fetched_at":"2026-10-17 20:02:02+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NOTP%20CIS.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/13171"},{"kind":"premium","label":"NOTP Rate Chart","pages":null,"fetched_at":"2026-10-17 19:52:40+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/National%20Overseas%20Travel%20Policy%20Rate%20Chart_0.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/30370"},{"kind":"proposal","label":"NOTP Proposal","pages":null,"fetched_at":"2026-10-17 20:01:19+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NOTP-Proposal.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/30400"},{"kind":"claim-form","label":"NOTP Claim Form","pages":null,"fetched_at":"2026-10-17 20:02:26+00","source_url":"https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NOTP%20Claim%20Form.pdf","url":"https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324/document/30419"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"National Insurance official website","url":"https://nationalinsurance.nic.co.in","note":"Website as listed by IRDAI. Not checked: the site could not be reached from our crawler on 2026-10-19 (connection or TLS error)."},{"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":"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":"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."}],"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":"National Overseas Travel Policy (UIN NICTIOP24116V012324), IndiaInsurances, https://indiainsurances.com/policy/national-insurance/national-overseas-travel-policy-nictiop24116v012324"}