{"uin":"RELTIOP08001V010708","name":"IndusInd Pravasi Bhartiya Bima Yojana","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708","insurer":{"slug":"indusind-general-insurance","name":"IndusInd General Insurance Company Limited","url":"https://indiainsurances.com/insurer/indusind-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"This is an emigrant insurance policy for Indian citizens with emigration clearance staying abroad on a valid employment visa. It covers personal accident, hospitalisation and maternity expenses, repatriation or transport expenses, family hospitalisation in India and employment-related legal expenses for a two or three year term.","analysis":{"state":"machine","analysed_at":"2026-10-20 04:47:39.338629+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":null,"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 is valid for two or three years as mentioned in the Schedule, and automatically terminates at the end of the Policy Period or on the return of the Insured Person back to India, whichever is earlier.","display":"Two or three years as mentioned in the Schedule; ends earlier on return to India","note":null,"quote":"The Policy shall be valid for two or three years as mentioned in the Schedule. ... This Policy will automatically terminate at the end of the Policy Period or on the return of the Insured Person back to India whichever is earlier.","sources":[{"clause":null,"heading":"Policy duration","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-policy-duration"},{"clause":"12","heading":"Termination of Policy","page":10,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-12-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"conflicting","value":"The insured must immediately contact the Company and intimate the claim. For bodily injury, the wording requires written notice as soon as possible and within fourteen days; for treatment in the country of employment, details must be provided immediately, before availing treatment and in any case within 7 days of hospitalisation or treatment.","display":"Immediately; injury notice within fourteen days; treatment abroad within 7 days","note":"CIS says bodily injury notice must be given \"within 30 days of date of Injury\", while the wording says \"within fourteen days of the date of injury\".","quote":"Upon the happening of any event giving rise to a claim, the Insured Person shall immediately contact the Company and intimate the claim through its call center or in writing at the relevant Policy issuing office. ... prompt written notice thereof shall be given to the Company as soon as possible but in any event within fourteen days of the date of injury. ... In case of treatment in the country of employment, the above details shall be provided to the Company immediately and prior to availing treatment and in any case within 7 days of hospitalisation/ treatment. ... prompt written notice thereof shall be given to the Company as soon as possible but in any event within 30 days of date of Injury.","sources":[{"clause":null,"heading":"Claims Procedure","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-claims-procedure"},{"clause":"9","heading":"Estimate of loss","page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-9-2"},{"clause":"9(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-9-ii"},{"clause":null,"heading":"INDUSIND PRAVASI BHARATIYA BIMA YOJANA CUSTOMER INFORMATION SHEET","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9579#c-indusind-pravasi-bharatiya-bima-yojana-customer"}],"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":["claim form completed in all respects","original insurance certificate / Policy","Police Report confirming accidental death","Post Mortem Report","Certificate / Report from concerned authorities","Duly attested copy of passport (all pages)","Medical records pertaining to treatment following the accident","Disability certificate issued by a medical practitioner","official death certificate and a physician's statement giving the cause of death","medical statement from a registered Physician indicating the cause of illness and the necessity of transportation","Original bills / receipts of expenses incurred","Duly filled claim form(s)","Original bills, receipts and discharge/card from the Hospital /Medical Practitioner","Original bills from chemists supported by proper prescription","Original Investigation test reports and payment receipts","Medical Practitionerʼs referral letter advising hospitalisation","Original bills and receipts for claiming Ambulance charges"],"display":"Claim form and policy; accident death or disability proofs; repatriation or transport certificates and bills; hospital bills, prescriptions, tests, referral and ambulance bills","note":null,"quote":"submit a claim form completed in all respects, signed and supported by documents relevant to the claim along with original insurance certificate / Policy to the Company. ... • Police Report confirming accidental death.\n• Post Mortem Report.\n• Certificate / Report from concerned authorities\n• Duly attested copy of passport (all pages) ... • Medical records pertaining to treatment following the accident.\n• Disability certificate issued by a medical practitioner. ... an official death certificate and a physician's statement giving the cause of death needs to be submitted. ... a medical statement from a registered Physician indicating the cause of illness and the necessity of transportation needs to be submitted. ... Original bills / receipts of the expenses incurred need to be submitted also. ... • Duly filled claim form(s)\n• Original bills, receipts and discharge/card from the Hospital /Medical Practitioner\n• Original bills from chemists supported by proper prescription\n• Original Investigation test reports and payment receipts\n• Medical Practitionerʼs referral letter advising hospitalisation\n• Original bills and receipts for claiming Ambulance charges.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-general-conditions"},{"clause":"9(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-9-i"},{"clause":"9(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-9-ii"}],"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 Company shall settle the claim within 30 days from receipt of the last necessary document. If investigation is warranted, it must complete investigation not later than 30 days from receipt of the last necessary document and settle within 45 days from receipt of the last necessary document.","display":"30 days from last necessary document; 45 days if investigation is required","note":null,"quote":"The Company shall settle the claim within 30 days from the date of receipt of last necessary document.However, where the circumstances of a claim warrant an investigation in Companyʼs opinion it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, Company shall settle the claim within 45 days from the date of receipt of last necessary document.","sources":[{"clause":"9(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-9-ii"}],"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":["During the first year of the operation of insurance cover, the expenses on treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Disease, Fistula in anus, Piles, Sinusitis and related disorders","intentional self-injury, suicide or attempted suicide","whilst under the influence of intoxicating liquor or drugs","whilst engaging in Aviation or Ballooning whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying )","directly or indirectly caused by venereal diseases, Aids or insanity","arising or resulting from the Insured Person committing any breach of law","War, Invasion, Act of foreign enemy, Hostilities","ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel","nuclear weapon material","childbirth or from pregnancy or in consequence thereof","violation of any law, fraud, or any breach of employment conditions","fake or forged documents, work permit or improper entry visa","short term contracts i.e contracts for the period of less than 3 months","Cost of spectacles and contact lenses, hearing aids","Naturopathy Treatment"],"display":"First-year specified diseases; suicide or self-injury; alcohol or drugs; non-passenger aviation or ballooning; venereal diseases, Aids or insanity; breach of law; war; nuclear/radiation; pregnancy/childbirth; repatriation exclusions; spectacles/hearing aids; naturopathy","note":null,"quote":"During the first year of the operation of insurance cover, the expenses on treatment of diseases such as Cataract, Benign Prostatic Hypertrophy, Hysterectomy for Menorrhagia or Fibromyoma, Hernia, Hydrocele, Congenital Internal Disease, Fistula in anus, Piles, Sinusitis and related disorders. ... Payment of compensation in respect of death or disablement of the Insured Person (i) from intentional self-injury, suicide or attempted suicide, (ii) whilst under the influence of intoxicating liquor or drugs, (iii) whilst engaging in Aviation or Ballooning whilst mounting into, dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying ) ... (iv) directly or indirectly caused by venereal diseases, Aids or insanity, (v) arising or resulting from the Insured Person committing any breach of law. ... War, Invasion, Act of foreign enemy, Hostilities ... ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. ... nuclear weapon material. ... death or disablement resulting directly or indirectly caused by contributed to or aggravated or prolonged by childbirth or from pregnancy or in consequence thereof. ... violation of any law, fraud, or any breach of employment conditions; ... fake or forged documents, work permit or improper entry visa ... short term contracts i.e contracts for the period of less than 3 months. ... Cost of spectacles and contact lenses, hearing aids. ... Naturopathy Treatment","sources":[{"clause":null,"heading":"Special Exclusions","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-special-exclusions"},{"clause":"4(b)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-4-b"},{"clause":"4(c)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-4-c"},{"clause":"4(d)(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-4-d-i"},{"clause":"4(d)(ii)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-4-d-ii"},{"clause":"4(e)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-4-e"},{"clause":null,"heading":"SPECIAL EXCEPTIONS","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-special-exceptions-2"}],"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":"The Policyholder may first contact the Company through its website, e-mail, telephone, post or courier to a branch or correspondence address. If not satisfied with the Company's redressal, the Policyholder may approach the nearest Insurance Ombudsman.","display":"Complain to the Company by website, e-mail, telephone, branch/post/courier or correspondence address first; then Ombudsman if not satisfied","note":null,"quote":"If the Policyholder has a grievance that the Policyholder wishes the Company to redress, the Policyholder may contact the Company with the details of his grievance through:\nWebsite | https://indusindinsurance.com\ne-mail | services@indusindinsurance.com\nTelephone | 022 4890 3009 (paid)\nPost/Courier | Any branch office, the correspondence address, during normal business hours\nWrite to us at (Correspondence Only) | IndusInd General Insurance., Winway Building 2nd & 3rd Floor, 11/12 Block No-4, Old No-67, South Tukoganj, Indore (M.P) - 452001 Contact No.- 022- 41112600 ... If the Policyholder is not satisfied with the Company's redressal of the Policyholder's grievance through one of the above methods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the grievance.","sources":[{"clause":"23","heading":"Grievances","page":11,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-23"}],"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":["PERSONAL ACCIDENT BENEFITS","FAMILY COVER","REIMBURSEMENT OF REPATRIATION / TRANSPORT EXPENSES ON ACCOUNT OF DEATH/ PERMANENT TOTAL DISABILITY / TERMINATION OF CONTRACT ON ACCOUNT OF CONTRACTING MAJOR AILMENTS","REIMBURSEMENT OF REPATRIATION / TRANSPORT EXPENSES DUE TO TERMINATION OF CONTRACT OF EMPLOYMENT IN CERTAIN OTHER CASES","HOSPITALISATION COVER","Maternity Expenses Benefit","reimbursement of actual legal expenses incurred during the policy period"],"display":"Personal accident; family cover; repatriation or transport expenses; employment termination contingencies; hospitalisation; maternity expenses; legal expenses","note":null,"quote":"Section I PERSONAL ACCIDENT BENEFITS ... FAMILY COVER The company shall indemnify the medical expenses ... A) REIMBURSEMENT OF REPATRIATION / TRANSPORT EXPENSES ON ACCOUNT OF DEATH/ PERMANENT TOTAL DISABILITY / TERMINATION OF CONTRACT ON ACCOUNT OF CONTRACTING MAJOR AILMENTS. ... (B) REIMBURSEMENT OF REPATRIATION / TRANSPORT EXPENSES DUE TO TERMINATION OF CONTRACT OF EMPLOYMENT IN CERTAIN OTHER CASES. ... Section III HOSPITALISATION COVER ... Maternity Expenses Benefit - The Policy is extended to cover actual maternity benefit expenses ... The Policy provides for reimbursement of actual legal expenses incurred during the policy period","sources":[{"clause":"Section I","heading":"PERSONAL ACCIDENT BENEFITS","page":2,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-section-i"},{"clause":null,"heading":"SPECIAL ADD ON BENEFIT","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-special-add-on-benefit"},{"clause":"Section II","heading":null,"page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-section-ii"},{"clause":null,"heading":"OTHER CONDITIONS","page":4,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-other-conditions"},{"clause":"Section III","heading":"HOSPITALISATION COVER","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-section-iii"},{"clause":null,"heading":"Maternity Extension under Hospitalisation Section","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-maternity-extension-under-hospitalisation-sectio"},{"clause":"Section IV","heading":"Reimbursement of legal expenses","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-section-iv"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy is for citizens of India while on stay abroad on a valid visa for employment. Hospitalisation for the insured is covered whether in India or in the country of employment, and the family cover applies to hospitalisation in India.","display":"Abroad on a valid employment visa; hospitalisation in India or in the country of employment; family cover in India","note":null,"quote":"whilst on stay abroad on a valid visa for purposes of employment only. ... The company shall indemnify the medical expenses, which should be reasonable & customary, and which have been incurred during Hospitalization, whether in India or in the country of his employment ... FAMILY COVER The company shall indemnify the medical expenses, which should be reasonable & customary, and which have been incurred during Hospitalization in India","sources":[{"clause":null,"heading":"GENERAL CONDITIONS","page":6,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-general-conditions"},{"clause":"Section III","heading":"HOSPITALISATION COVER","page":5,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-section-iii"},{"clause":null,"heading":"SPECIAL ADD ON BENEFIT","page":3,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589#c-special-add-on-benefit"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":null,"quote":null,"sources":[],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"Loss Sharing is Not Applicable.","display":"Not Applicable","note":null,"quote":"Loss Sharing | Not Applicable | NA","sources":[{"clause":null,"heading":"INDUSIND PRAVASI BHARATIYA BIMA YOJANA CUSTOMER INFORMATION SHEET","page":1,"url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9579#c-indusind-pravasi-bharatiya-bima-yojana-customer"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]}],"documents":[{"kind":"wording","label":"IndusInd Pravasi Bharatiya Bima Yojana Policy Wording","pages":14,"fetched_at":"2026-10-17 19:40:36+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-pravasi-bharatiya-bima-yojana-policy-wording","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9589"},{"kind":"prospectus","label":"Pravasi Bhartiya Bima Yojana Prospectus","pages":11,"fetched_at":"2026-10-17 19:40:24+00","source_url":"https://www.indusindinsurance.com/downloads/pravasi-bhartiya-bima-yojana-prospectus","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9582"},{"kind":"cis","label":"IndusInd Pravasi Bhartiya Bima Yojana CIS","pages":4,"fetched_at":"2026-10-17 19:40:19+00","source_url":"https://www.indusindinsurance.com/downloads/indusind-pravasi-bhartiya-bima-yojana-cis","url":"https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708/document/9579"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"IndusInd General Insurance official website","url":"https://www.indusindinsurance.com/","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":"Car insurance claim","url":"https://www.indusindinsurance.com/car-insurance-claim","note":null},{"purpose":"claim","kind":"insurer","name":"Health insurance claims","url":"https://www.indusindinsurance.com/health-insurance-claims","note":null},{"purpose":"claim","kind":"insurer","name":"Travel insurance claim","url":"https://www.indusindinsurance.com/travel-insurance-claim","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.indusindinsurance.com/about-us/grievance-redressal","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":"Renew car insurance","url":"https://www.indusindinsurance.com/car-insurance/renew-car-insurance","note":null},{"purpose":"renew","kind":"insurer","name":"Renew health insurance","url":"https://www.indusindinsurance.com/health-insurance/health-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":"IndusInd Pravasi Bhartiya Bima Yojana (UIN RELTIOP08001V010708), IndiaInsurances, https://indiainsurances.com/policy/indusind-general-insurance/indusind-pravasi-bhartiya-bima-yojana-reltiop08001v010708"}