{"uin":"SBITIOP14004V011314","name":"Travel Insurance (Business & Holiday)","url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Travel Insurance (Business and Holiday) covers overseas trips starting and ending in India with medical expenses, evacuation, repatriation, travel support and personal liability. It is offered as single trip from 1 to 180 days or multi trip for one year, with geography options worldwide or worldwide excluding USA & Canada.","analysis":{"state":"machine","analysed_at":"2026-10-20 05:42:49.827007+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","Multi Trip"],"display":"Single Trip; Multi Trip","note":null,"quote":"A Single Trip: - Policy can be issued for minimum 1 days up to a maximum of 180 days duration. B Multi Trip: - Policy will be issued only for one year not for shorter or longer duration.","sources":[{"clause":null,"heading":"7. Period of Insurance","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-7-period-of-insurance"}],"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 policies can be issued for 1 to 180 days. Multi Trip policies are issued for one year only.","display":"Single Trip: 1 to 180 days; Multi Trip: one year","note":"Single trip extension is possible with prior approval and premium, but total policy duration after extension cannot be more than 270 days.","quote":"A Single Trip: - Policy can be issued for minimum 1 days up to a maximum of 180 days duration. B Multi Trip: - Policy will be issued only for one year not for shorter or longer duration.","sources":[{"clause":null,"heading":"7. Period of Insurance","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-7-period-of-insurance"}],"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 or representative must notify the insurer or service provider immediately. A claim and documents must not be submitted later than 31 days after the end of the insured trip, though delay may be relaxed for up to 60 days with satisfactory proof.","display":"Notify immediately; not later than 31 days after trip end, relaxable up to 60 days","note":null,"quote":"the Insured person or his representative, must notify Insurer / Service Provider immediately. ... In no event should a claim be notified and documents be submitted to Insurer / Service Provider later than 31 days after the end of an insured trip.\nHowever the Insurer at his sole discretion may relax this condition subject to a satisfactory proof/ evidence being produced on the reasons for such a delay for maximum 60 days.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-general-conditions-applicable-to-all-sections"}],"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":["invoices","travel documents","any other relevant details","medical certificates showing the nature of the injury or illness","all bills, and receipts if already paid"],"display":"Invoices, travel documents, relevant details, medical certificates, bills and receipts","note":null,"quote":"This document, together with invoices, travel documents and any other relevant details must be sent to Insurer / Service Provider, clearly stating under which Section of this Policy a claim is being made. Please note that if medical treatment has been received, medical certificates showing the nature of the injury or illness together with all bills, and receipts if already paid, should be forwarded to Insurer / Service Provider.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-general-conditions-applicable-to-all-sections"}],"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":"Upon acceptance of an offer of claim settlement by the insured person, payment is to be made within 7 days from acceptance of the offer.","display":"Within 7 days from acceptance of claim settlement offer","note":"Delay in payment attracts interest at 2% above the bank rate prevalent at the beginning of the financial year in which the offer was accepted.","quote":"Upon acceptance of an offer of claim settlement by Insured person, the payment of amount due will be made within 7 days from the acceptance of offer by the Insured person.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-general-conditions-applicable-to-all-sections"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Any pre-existing disease.","Any routine physical or other examination where there is no objective indication of impairment of normal health, and for medical treatment obtained within the Republic of India.","Any travel against the advice of a physician.","Receiving or on a waiting list for specified medical treatment declared in the Physician's report or certificate provided by the Insured Person in his proposal.","Travelling for the purpose of obtaining treatment.","Cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender, Lasik treatment for refractive error.","Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of these, including caesarian section.","suicide, attempted suicide or wilfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of the drugs","Naval, Military or Airforce operations.","War, invasion, acts of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power","ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel","Air Travel unless he or she flies as a passenger on an aircraft properly licensed to carry passengers.","winter sports, mountaineering (where ropes or guides are customarily used), riding or driving in races or rallies, caving or potholing, hunting or equestrian, skew diving or other underwater activity","manual work or hazardous occupation, or if engaging in any criminal or illegal act."],"display":"Pre-existing disease; routine examinations and India treatment; travel against advice; waiting-list treatment; travel for treatment; cosmetic treatment; pregnancy-related treatment; suicide/self-inflicted illness and related conditions; military operations; war; nuclear risks; unlicensed air travel; hazardous sports; manual work or criminal/illegal acts","note":null,"quote":"1. Any pre-existing disease.\n2. Any routine physical or other examination where there is no objective indication of impairment of normal health, and for medical treatment obtained within the Republic of India.\n3. Any travel against the advice of a physician.\n4. Receiving or on a waiting list for specified medical treatment declared in the Physician's report or certificate provided by the Insured Person in his proposal.\n5. Travelling for the purpose of obtaining treatment. ... 7. Cosmetic or aesthetic treatments of any description, treatment or surgery for change of life/gender, Lasik treatment for refractive error. ... 12. Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of these, including caesarian section. ... No claim will be paid if arising from suicide, attempted suicide or wilfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of the drugs ... No claim will be paid if arising from the insured person taking part in Naval, Military or Airforce operations. ... No claim will be paid if arising from War, invasion, acts of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power ... ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel ... No claim will be paid which arises from the Insured person engaging in Air Travel unless he or she flies as a passenger on an aircraft properly licensed to carry passengers. ... No claim will be paid arising from the participation of the Insured person in winter sports, mountaineering (where ropes or guides are customarily used), riding or driving in races or rallies, caving or potholing, hunting or equestrian, skew diving or other underwater activity ... No claims will be paid for losses arising directly or indirectly from manual work or hazardous occupation, or if engaging in any criminal or illegal act.","sources":[{"clause":null,"heading":"SECTION: - A - MEDICAL EXPENSES, EVACUATION AND REPATRIATION","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-section-a-medical-expenses-evacuation-and-repatr"},{"clause":null,"heading":"GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-general-exclusions-applicable-to-all-sections"},{"clause":"6","heading":"No claim will be paid which arises from the Insured person","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-6-2"},{"clause":"7","heading":"No claim will be paid arising from the participation of the Insured","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-7-2"},{"clause":"9","heading":"No claims will be paid for losses arising directly or indirectly from","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-9-2"}],"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 stated route is Stage 1 Bima Bharosa, or directly write to Head – Customer Care. If not satisfied or no response is received within 5 Business days, escalate to the Grievance Redressal Officer before the Insurance Ombudsman.","display":"Bima Bharosa or Head – Customer Care first; then GRO; then Insurance Ombudsman","note":null,"quote":"You can register your grievances with the regulator using the following link: https://bimabharosa.irdai.gov.in/Home/Home ... Alternatively, if you wish to register your grievances directly with us, you may write to the Head – Customer Care. We aim to respond to all Grievances within 7 days. ... In case, you are still not satisĤed with the decision/resolution communicated by the above oĦcer or have not received any response within 5 Business days, you may escalate the matter to the Grievance Redressal OĦcer (GRO) ... Stage 4: Escalation to Insurance Ombudsman","sources":[{"clause":null,"heading":"Stage 1: Bima Bharosa","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-stage-1-bima-bharosa"},{"clause":null,"heading":"Stage 2: Head – Customer Care","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-stage-2-head-customer-care"},{"clause":null,"heading":"Stage 3: Grievance Redressal OĦcer (GRO)","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-stage-3-grievance-redressal-ocer-gro"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Medical Expenses including Evacuation & Repatriation","Personal Accident","Loss of Passport","Golfer's Hole-In-One","Home Burglary Insurance","Loss of Checked Baggage","Trip Cancellation","Trip Curtailment","Missed Connection","Delay of Checked Baggage","Hijack Cover","Trip Delay","Hospitalisation Daily Allowance","Bail Bond","Emergency Cash Advance","Personal Liability"],"display":"Medical expenses with evacuation and repatriation, personal accident, travel support covers and personal liability","note":null,"quote":"A | Medical Expenses including Evacuation & Repatriation\nA-i | Personal Accident\nTravel Support ... Loss of Passport ... Golfer's Hole-In-One ... Home Burglary Insurance ... Loss of Checked Baggage ... Trip Cancellation ... 6 Trip Curtailment ... Missed Connection ... 8 Delay of Checked Baggage ... 9 Hijack Cover ... Trip Delay ... Hospitalisation Daily Allowance ... 12 Bail Bond ... 13 Emergency Cash Advance ... B | Personal Liability","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-scope-of-cover"},{"clause":"1","heading":"Loss of Passport","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-1"},{"clause":"2","heading":"Golfer's Hole-In-One","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-2"},{"clause":"3","heading":"Home Burglary Insurance","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-3"},{"clause":"4","heading":"Loss of Checked Baggage","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-4"},{"clause":"5","heading":"Trip Cancellation","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-5"},{"clause":"6","heading":"Trip Curtailment","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-6"},{"clause":"8","heading":"Delay of Checked Baggage","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-8"},{"clause":"10","heading":"Trip Delay","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-10"},{"clause":"11","heading":"Hospitalisation Daily Allowance","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-11"},{"clause":"12","heading":"Bail Bond","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-12"},{"clause":"13","heading":"Emergency Cash Advance","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-13"}],"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":"For Single Trip Insurance, cancellation is allowed only if the journey is not undertaken, with passport proof, subject to deduction of Rs 250/-, and no refund is allowed once the journey has commenced. For Multi Trip Insurance, if no claim has been made, the refund is 75% up to one month, 50% up to three months, 25% up to six months, and Nil after six months.","display":"Single trip: Rs 250/- deduction before journey only; multi trip: 75%, 50%, 25%, Nil by period in force","note":null,"quote":"A. Single Trip Insurance: Cancellation of the Policy may be done only in cases where a journey is not undertaken and only on production of the Insured person's Passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained not less than 14 days after the First Day of Insurance as indicated in the Policy Schedule. Such cancellation will be subject to deduction of Rs 250/-. No refund of premium or part thereof will be allowed once the journey has commenced. ... B. Multi Trip Insurance: The Insurance may be cancelled at any time at the request of the Insured person, in which case the Insurer will refund the premium as per the Table given below, provided that no claim has been made during the Period of Insurance. ... Up to one month | 75% of annual rate ... Up to three months | 50%of annual rate ... Up to six months | 25% of annual rate ... Exceeding six months | Nil","sources":[{"clause":null,"heading":"Cancellation by Insured:-","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-cancellation-by-insured"},{"clause":null,"heading":"Stage 3: Grievance Redressal OĦcer (GRO)","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-stage-3-grievance-redressal-ocer-gro"}],"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 geography options are Worldwide and Worldwide excluding USA & Canada. A trip starts and finishes in India and involves a destination outside India.","display":"Worldwide or Worldwide excluding USA & Canada; trips start and finish in India","note":null,"quote":"There are two options:\n1. Worldwide,\n2. Worldwide excluding USA & Canada. ... Trip - means any Journey during the Period of Insurance, which starts and finishes in India and involves a destination(s) outside India.","sources":[{"clause":null,"heading":"2. Geography","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-2-geography"},{"clause":"45","heading":"Trip","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-45"}],"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 medically necessary overseas medical expenses for disease, illness or injury first sustained or contracted during the insured trip, including physician services, hospital services, medically necessary services and local emergency medical transportation. The Section A limit of cover is US $50,000 to US $5,00,000.","display":"Overseas medically necessary medical expenses; Section A limit US $50,000 to US $5,00,000","note":null,"quote":"The Insurer will indemnify the Insured person, up to the limit of cover shown in the Policy Schedule, in respect of the Medically Necessary, Medical Expenses incurred overseas for medical treatment on account of any disease/illness/injury first sustained or contracted whilst on Insured trip. The expenses covered would include Physician's services, Hospital services, Medically Necessary services and local emergency medical transportation. ... A | Medical Expenses including Evacuation & Repatriation | US $50,000 to US $5,00,000","sources":[{"clause":null,"heading":"SECTION: - A - MEDICAL EXPENSES, EVACUATION AND REPATRIATION","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-section-a-medical-expenses-evacuation-and-repatr"},{"clause":null,"heading":"Coverage","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-coverage"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Pre-existing disease is not covered; the policy is not designed to indemnify medical services needed because of a pre-existing disease.","display":"Pre-existing disease is not covered","note":null,"quote":"Pre-existing Disease: This Policy is not designed to provide an indemnity in respect of medical services, the need for which arises out of a pre-existing disease.","sources":[{"clause":"10","heading":"Pre-existing Disease: This Policy is not designed to provide an","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-10-2"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Trip cancellation covers non-recoverable personal accommodation or travel charges paid or contracted to be paid when necessary and unavoidable cancellation before commencement is due to listed reasons such as death, serious injury or sudden sickness requiring minimum three days hospitalisation, death of spouse/parent/child, or compulsory quarantine/prevention of travel by Government. Trip curtailment covers non-recoverable accommodation or travel charges for cutting short the trip by early return to India because of death, serious injury or sudden sickness of the insured person's spouse or child residing in India and not travelling.","display":"Non-recoverable accommodation or travel charges for listed cancellation and curtailment reasons, up to schedule limits","note":null,"quote":"the Insurer will indemnify the Insured person subject to limits shown in the Policy Schedule, for loss of personal accommodation or travel charges paid or contracted to be paid by the Insured person, which are not recoverable from any other source, following the necessary and unavoidable cancellation of the trip prior to its commencement because of:\n1. Insured Person's death, serious injury or sudden sickness requiring minimum three days hospitalisation. ... 4. Compulsory quarantine or prevention of travel by Government. ... following the necessary and unavoidable curtailment (the cutting short by early return to India) of the trip because of death, serious injury or sudden sickness of the Insured person's spouse or child residing with him/her in India and who is not travelling with the Insured person on the insured journey.","sources":[{"clause":null,"heading":"TRIP CANCELLATION","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-trip-cancellation"},{"clause":null,"heading":"TRIP CURTAILMENT","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-trip-curtailment"}],"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":"quote-verified","value":"The policy reimburses actual expenses necessarily and reasonably incurred to obtain emergency travel documents in lieu of a lost passport outside India, up to the policy schedule limit.","display":"Actual expenses for emergency travel documents in lieu of lost passport outside India, up to schedule limit","note":null,"quote":"In the event of the Insured person losing his/her Passport during the trip covered, this insurance will pay up to the limit of cover shown in the Policy Schedule for the reimbursement of actual expenses necessarily and reasonably incurred by the Insured person in connection with obtaining emergency travel documents in lieu of lost Passport, outside India.","sources":[{"clause":null,"heading":"LOSS OF PASSPORT","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-loss-of-passport"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"Medical Expenses including Evacuation & Repatriation and Personal Liability have a US $ 100 deductible. Personal Accident is Nil; Loss of Passport, Golfer’s Hole-In-One, Home Burglary Insurance, Loss of Checked Baggage, Trip Cancellation, Trip Curtailment and Missed Connection have 5% of claim amount; Delay of Checked Baggage and Trip Delay have First 12 hrs; Hijack Cover has First 24 Hrs; Hospitalisation Daily Allowance has First one day; Bail Bond and Emergency Cash Advance are Not Applicable.","display":"US $ 100 for medical expenses and personal liability; 5% of claim amount for several travel support covers; time deductibles for delay/hijack/hospital cash; Nil/Not Applicable for specified covers","note":null,"quote":"A | Medical Expenses including Evacuation & Repatriation | US $ 100\nA-i | Personal Accident | Nil\nA-ii | Travel Support\n1. Loss of Passport 2. Golfer’s Hole-In-One | 5% of claim amount 5% of claim amount\nA-ii | 3. Home Burglary Insurance | 5% of claim amount\n4. Loss of Checked Baggage | 5% of claim amount\n5. Trip Cancellation | 5% of claim amount\n6. Trip Curtailment | 5% of claim amount\n7. Missed Connection | 5% of claim amount\n8. Delay of Checked Baggage | First 12 hrs\n9. Hijack Cover | First 24 Hrs\n10. Trip Delay | First 12 hrs\n11. Hospitalisation Daily Allowance | First one day\n12. Bail Bond | Not Applicable\n13. Emergency Cash Advance | Not Applicable\nB | Personal Liability | US $ 100","sources":[{"clause":null,"heading":"Coverage","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-coverage-3"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"A Single Trip policy can be issued up to 180 days and may be extended with prior approval so that total policy duration after extension is not more than 270 days. Annual Multi Trip policies have trip limits of 30, 45 or 60 days and are issued for one year.","display":"Single trip: up to 180 days, extendable to total 270 days; annual multi trip: trip limits 30, 45 or 60 days","note":"The annual multi-trip table repeats the 30, 45 and 60 day trip limits for the other age bands also.","quote":"A Single Trip: - Policy can be issued for minimum 1 days up to a maximum of 180 days duration. B Multi Trip: - Policy will be issued only for one year not for shorter or longer duration. ... Extension in Policy duration is only permissible in single trip insurance for a maximum 180 days subject to the condition that total Policy duration after extension shall not be more than 270 days. ... Traveller's Age Band (in Years) | Trip Limit (in days) | $50,000 | $100,000 | $150,000 | $200,000 | $250,000 | $500,000\n0.5 - 40 | 30 | 2,030 | 2,292 | 2,491 | 2,706 | 2,864 | 3,535\n0.5 - 40 | 45 | 3,369 | 3,833 | 4,160 | 4,516 | 4,756 | 5,355\n0.5 - 40 | 60 | 5,617 | 6,603 | 7,259 | 7,982 | 8,455 | 9,459","sources":[{"clause":null,"heading":"7. Period of Insurance","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-7-period-of-insurance"},{"clause":null,"heading":"8. Extension in Policy Duration","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-8-extension-in-policy-duration"},{"clause":null,"heading":"Annual Multi Trip Insurance- Worldwide","page":20,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-annual-multi-trip-insurance-worldwide"}],"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; not applicable for single trip Insurance","note":"Applies except single trip Insurance.","quote":"Free Look Period -The insured will be allowed a period of at least 30 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable ... This is condition is not applicable in case of single trip Insurance.","sources":[{"clause":null,"heading":"GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991#c-general-conditions-applicable-to-all-sections"}],"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":"Indian residents undertaking bona fide business, official or holiday trips abroad and foreign nationals working in India can buy the policy. The age limit is 6 months to 70 years.","display":"6 months to 70 years","note":null,"quote":"1) Indian Residents undertaking bonafide trips abroad for: a) business and official purposes, b) holiday purpose\n2) Foreign Nationals working in India. Age Limit: - 6 months to 70 years.","sources":[{"clause":null,"heading":"1. Who can take this Insurance?","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008#c-1-who-can-take-this-insurance"}],"law":[]}],"documents":[{"kind":"wording","label":"Travel Insurance (Business & Holiday) Policy Wordings","pages":10,"fetched_at":"2026-10-17 20:00:24+00","source_url":"https://content.sbigeneral.in/uploads/TRAVEL_INSURANCE_BUSINESS_AND_HOLIDAY_POLICY_PW_KEN_52c770be78.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14991"},{"kind":"prospectus","label":"Travel Insurance (Business & Holiday) Prospectus","pages":20,"fetched_at":"2026-10-17 20:00:22+00","source_url":"https://content.sbigeneral.in/uploads/TRAVEL_PROSPECTUS_with_grievance_KEN_2916833441.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/15008"},{"kind":"cis","label":"Travel Insurance (Business & Holiday) Customer Information Sheet","pages":6,"fetched_at":"2026-10-17 20:00:21+00","source_url":"https://content.sbigeneral.in/uploads/Travel_Insurance_Business_and_Holiday_CIS_KEN_383d089692.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14985"},{"kind":"brochure","label":"Travel Insurance (Business & Holiday) Brochure","pages":2,"fetched_at":"2026-10-17 19:58:32+00","source_url":"https://content.sbigeneral.in/uploads/Travel_Insurance_Policy_final_Brochure_V1_681543a1dc.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314/document/14940"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","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.sbigeneral.in/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":"Policy renewal","url":"https://www.sbigeneral.in/policy-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":"Travel Insurance (Business & Holiday) (UIN SBITIOP14004V011314), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/travel-insurance-business-and-holiday-sbitiop14004v011314"}