Bajaj Allianz Travel Prime Holiday Insurance Plan

1. Loss of Passport The Company shall be under no liability to make payment for:  Premium of Travel Prime Holiday Plan Travel Prime Individual Rider : Premium Chart In case of any claim or assistance abroad call Toll-Free Numbers: Country 3. If the air craft is taken out of service on the instructions of the Civil Aviation Authority or other competent statutory authority except due to bad weather conditions.  Relativities for the factor “level of guidance provided by travel agent” j. The insured engaging in air travel unless he flies as a passenger on an Airline. For the purpose of this exclusion, air travel means being in or on, or boarding an aircraft for the purpose of flying therein or alighting there from following a flight.  Per day Per Member Premium Rate ex service tax (INR) Bajaj Allianz 1. Loss or damage to the Insured’s passport as a result of the confiscation or detention by customs, police or any other authority Sum Insured Excluding USA/Canada Including USA/Canada Asia Travel Prime Holiday Policy Toll Free number Hospitalization Daily Allowance Hospitalization Daily Allowance benefit shall be extended only if such hospitalization is admissible under section Medical Expenses under the policy. Excluding Japan  USA (001) Canada (001) Australia (061) Austria (043) Belgium (032) Denmark (045) Finland (358)-carrier TS Finland (358)-carrier Elisa France (033) Germany (049) Hong Kong (852) Hungary (036) Ireland (353) Israel (972) Italy (039) Japan (081)-carrier Tele Japan (081)-carrier IDC Japan (081)-carrier KDD Japan (081)-carrier NTT Malaysia (060) Netherlands (031) New Zealand (064) Norway (047) Philippines (063) Portugal (351) Singapore (065) So. Korea (082)-carrier Telecom So. Korea (082)-carrier Dacom Spain (034) Sweden (046) Switzerland (041) Thailand (066) UK (044) 18665876903 18669143705 0011+800 10002005 00+800 10002005 00+800 10002005 00+800 10002005 990+800 10002005 999+800 10002005 00+800 10002005 00+800 10002005 001+800 10002005 00+800 10002005 00+800 10002005 014+800 10002005 00+800 10002005 0041-010+800 10002005 0061-010+800 10002005 001-010+800 10002005 0033-010+800 10002005 00+800 10002005 00+800 10002005 00+800 10002005 00+800 10002005 00+800 10002005 00+800 10002005 001+800 10002005 001+800 10002005 002+800 10002005 00+800 10002005 00+800 10002005 00+800 10002005 001+800 10002005 00+800 10002005 Rating Levels Relativity What are the deductibles under the policy? Medical Expenses and Evacuation: 100 USD Emergency dental pain relief: 100 USD Delay of Checked Baggage: 12 Hours Trip delay: 12 hours Loss of Passport: 25 USD Personal Liability: 100 USD Missed Connection: 12 Hours Cancellation This Policy may be cancelled by the Group after the expiry of 15 days from the effective date, in writing to the Company as long as the Insured is able to establish to the Company’s satisfaction that the Insured Journey has not commenced, and this Policy shall stand cancelled if the Insured Journey has not commenced within 14 days of the commencement date shown on the Schedule.  0.6 - 40 41 - 60 Yrs 0.6 - 40 41 - 60 Yrs 0.6 - 40 41 - 60 Yrs 2. Loss which is not reported to the appropriate policeauthority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained. Yrs Yrs Yrs A B C D E F 105% 100% 90% 85% 80% 75% • • • • • • • 15 000 USD 18 21 Holidays are fun, Just enjoy it. Golfer’s Hole-in-one Subject to all other terms and conditions, it is hereby agreed that the insurer shall reimburse expenses incurred in celebration of achieving a hole-in-one by the insured during the trip, anywhere in the world excluding India, in a United States Golfers’ Association (USGA) recognized golf course, subject to maximum the limit shown in the Schedule against this cover  25 000 USD 24 26 3. Loss caused by the Insured’s failure to take reasonable steps to guard against the loss of the passport. 50 000 USD 35 40 51 60 Personal Liability The Company shall not be under any liability to make payment for Claims arising out of: 20 0000 USD 40 47 57 83  50 0000 USD 49 77 67 103 Rating levels A-F will be based on the following underwriting factors – 75 0000 USD 58 90 79 122 1. The Insured’s liability to any employee (whether under a contract of or for services);  1. Agent travel presence (International/National/Regional) 2. Nature of Group (students/honeymoon/professionals/MICE) 3. Guided/Non-Guided Tour 4. Customized/Package Tour 5. Adventure/wildlife/leisure Tour 6. Cruise/Non Cruise 7. Travel agents - years of experience 8. Multiple city/single city tour Premium shall be calculated on basis of above details. 10 0000 USD 62 96 84 130 General Exclusions Applicable to All Sections The Company shall be under no liability to make payment hereunder in respect of any Claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following:  Final Premium for the Group = A × Relativity No of man-day's by sales intermediary × Relativity Level of guidance provided by travel agent Relativities for the factor “No. of man-day's by sales intermediary” 2. Bodily Injury to and/or Property Damage to property belonging to the Insured’s Family, any co-worker of the Insured, and any travelling companion of the Insured; 3. Any liability for Bodily Injury and/or Property Damage arising directly or indirectly from or due to: a. The Insured’s participation in any naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy, whether foreign or domestic. Mandays Relativity Mandays Relativity Mandays Relativity Upon cancellation, no cancellation charges are retained for Travel Prime Holiday Plan. a. Livestock belonging to the Insured or in the Insured’s care, custody or control; 0 - 1500 1501 - 3000 3001 - 4500 4501 - 6000 6001 - 7500 7501 - 9000 9001 - 10500 10501 - 12000 12001 - 13500 13501 - 15000 15001 - 16500 16501 - 18000 18001 - 19500 19501 - 21000 21001 - 22500 22501 - 24000 24001 - 25500 25501 - 27000 27001 - 28500 28501 - 30000 30001 - 31500 31501 - 33000 0.99 0.98 0.97 0.96 0.95 0.94 0.93 0.92 0.91 0.90 0.89 0.88 0.87 0.86 0.85 0.84 0.83 0.82 0.81 0.80 0.79 0.78 33001 - 34500 34501 - 36000 36001 - 37500 37501 - 39000 39001 - 40500 40501 - 42000 42001 - 43500 43501 - 45000 45001 - 46500 46501 - 48000 48001 - 49500 49501 - 51000 51001 - 52500 52501 - 54000 54001 - 55500 55501 - 57000 57001 - 58500 58501 - 60000 60001 - 61500 61501 - 63000 63001 - 64500 64501 - 66000 0.77 0.76 0.75 0.74 0.73 0.72 0.71 0.70 0.69 0.68 0.67 0.66 0.65 0.64 0.63 0.62 0.61 0.60 0.59 0.58 0.57 0.56 66001 - 67500 67501 - 69000 69001 - 70500 70501 - 72000 72001 - 73500 73501 - 75000 75001 - 76500 76501 - 78000 78001 - 79500 79501 - 81000 81001 - 82500 82501 - 84000 84001 - 85500 85501 - 87000 87001 - 88500 88501 - 90000 90001 - 91500 91501 - 93000 93001 - 94500 94501 - 96000 96001 - 97500 97501 - 99000 99001 - 100000 0.55 0.54 0.53 0.52 0.51 0.50 0.49 0.48 0.47 0.46 0.45 0.44 0.43 0.42 0.41 0.40 0.39 0.38 0.37 0.36 0.35 0.34 0.33 In case of any early return the company will refund premium on pro- rata basis (Per day basis) subject to no claim in the policy. b. War, invasion, acts of foreign enemy, hostilities (whether war be declared or not), civil war, civil unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or destruction of or damage to property by or under the order of any government or local authority. b. Any wilful, malicious, criminal or unlawful act, error, or omission; Bajaj Allianz General Insurance Co. Ltd. G.E. Plaza, Airport Road, Yerawada, Pune - 411006. IRDA Reg No.: 113. Revision/ Modification of the policy: There is a possibility of revision/ modification of terms, conditions, coverage and/or premiums of this product at any time in future, with appropriate approval from IRDA. In such an event of revision/modification of the product, intimation shall be set out to all the existing insured members at least 3 months prior to the date of such revision/modification comes into the effect  c. The pursuit of any trade, business of profession, employment or occupation; d. The ownership, possession or use of vehicles, aircraft, or watercraft; For Any Query (toll Free) 1800-209-0144 /1800-209-5858 c. The loss or destruction or damage to any property whatsoever or any loss or expenses whatsoever resulting or arising there from or any consequential loss directly or indirectly caused by or contributed to by or arising from: e. Parachuting, hand-gliding, hot air ballooning or the use of firearms or any other dangerous or hazardous activity; www.bajajallianz.com f. The use or misuse of any alcohol, hallucinogenic substance, drugs (except those used as medically prescribed), or drug addiction; Withdrawal of Policy There is possibility of withdrawal of this product at any time in future with appropriate approval from IRDA, as We reserve Our right to do so with a intimation of 3 months to all the existing insured members. In such an event of withdrawal of this product, at the time of Your seeking extension of this Policy, You can choose, among Our available similar and closely similar Travel insurance products. Upon Your so choosing Our new product, You will be charged the Premium as per Our Underwriting Policy for such chosen new product, as approved by IRDA.  d. Ionising radiation or contamination by radioactivity form any nuclear waste from combustion of nuclear fuel; or customercare@bajajallianz.co.in e. The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof, or g. The supply of goods or services; h. Any form of ownership or occupation of land or buildings (other than occupation only of any temporary residence). f. Asbestosis or any related Sickness or Disease resulting from the existence, production, handling, processing, manufacture, sale, distribution, deposit or use of asbestos, or products thereof. When dialing a universal toll free number the caller must first dial the appropriate country's int'l access(+) as illustrated above. Fax : 91-20-30512207 | travel@bajajallianz.co.in Disclaimer: The above information is only indicative in nature. For details of the coverage & exclusions please contact our nearest office. This Policy of Insurance is a Contract between the Company and the Insured Person. The Insured Person shall not transfer, assign, alienate or in any way pass the benefits and/or liabilities to any other person, Institution, Hospital, Company or Body Corporate without specific prior approval in writing by a duly authorized officer of the Company. However, if the Insured Person(s) is permanently incapacitated or deceased, the legal heirs of the Insured may represent him in respect of Claim under the Policy i. Any professional liability arising out of the insured’s profession/activities. g. The Insured’s actual or attempted engagement in any criminal or other unlawful act. Trip Delay However, the Company will not pay,  Provided however, if You do not respond to Our intimation regarding the withdrawal of the product under which this Policy is issued, then this Policy shall be withdrawn and shall not be available to You for any extension and accordingly upon Your seeking extension of this Policy, You shall have to take a Policy under available new products of Us subject to Your paying the Premium as per Our Underwriting Policy for such available new product chosen by You. h. Any consequential losses. I. In respect of travel by the Insured to any country against whom the Republic of India has imposed general or special travel restrictions, or against whom it may be impose such restrictions, or any country which has imposed or may impose subsequently, such restrictions against travel by a citizen of the Republic of India to such country. 1. For any departure which is delayed as a result of the insured or any other person who have arranged to travel with failing to check-in correctly as required by the airline. Based on the level of guidance provided by travel agent, we have created 6 levels, viz. A, B, C, D, E & F and assessing the risk relativities corresponding discounts and loadings will be used 2. For any delayed departure caused by strike or industrial action known to exist or was anticipated at the time the trip was booked CIN: U66010PN2000PLC015329 Insurance is the subject matter of the solicitation UIN- IRDA/NL-HLT/BAGI/P-T/V.I/468/13-14 BJAZ-B-0129/11-Dec-14

2. Bajaj Allianz Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE. Both enjoy a reputation of expertise, stability and strength. This joint venture company incorporates global expertise with local experience. The comprehensive, innovative solutions combine the technical expertise and experience of Allianz SE, and indepth market knowledge and goodwill of “Bajaj” brand in India. Competitive pricing and quick honest response have earned the company the customer's trust and market leadership in a very short time. Repatriation: Covers cost of repatriation of mortal remains to India. Loss of Checked Baggage: Covers complete, permanent loss or destruction of the Insured's Checked Baggage. Accidental Death and Disability (Common Carrier): Covers Death or Permanent Total Disablement due to accidently bodily injury suffered while travelling overseas in common carrier such as rail, bus, tram or aircraft. Loss of Passport: Covers cost of, duplicate passport in event of loss of passport. Personal Liability: Covers payment of Damages to Third Party Civil Claims arising out of Accident Bodily Injury or Accidental Property Damage occurring during overseas trip. Hijack cover: If insured is detained by hijackers following hijacking of any aircraft in which the insured is travelling, the Company will pay up to the maximum sum specified in the schedule. Trip Delay: Company shall indemnify only one event of trip delay during policy period for any trip booked to travel from Republic of India or travel to Republic of India. theft/burglary of luggage/money or hold up Missed Connection: Cover extends a benefit if the aircraft on which Insured is booked to travel from India is delayed for more than 12 hours than original scheduled time resulting in Insured Missing the connecting flight. 9) Losses arising directly or indirectly from manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act. TRAVEL PRIME HOLIDAY Travel Prime Holiday GOLD  COVERAGE Travel Prime Holiday Asia Flair Travel Prime Holiday Asia Supreme Coverage Travel Prime Holiday SILVER Travel Prime Holiday PLATINUM Travel Prime Holiday SUPER PLATINUM Travel Prime Holiday MAXIMUM Deductible Benefit Deductible Benefit Deductible Personal Accident* 7500 USD Nil 7500 USD Nil 10) Pregnancy, resulting childbirth, miscarriage, abortion, medical termination of pregnancy or complication arising out of any of the foregoing Medical Expenses and Medical Evacuation 15000 USD USD 100 25000 USD USD 100 Personal Accident* Medical Expenses and Evacuation Emergency Dental Pain Relief included in Medical Expenses and Evacuation sum insured Repatriation Loss of Checked Baggage** Delay of Checked Baggage Loss of Passport Personal Liability Hijack cover Trip Delay Hospitalization Daily Allowance Golfer’s Hole-in-one Trip Cancellation Trip Curtailment Accidental Death and Disability (Common Carrier) Home Burglary Insurance Emergency Cash Benefit*** Missed Connection Difference in Airfare due to delayed 500 USD or early return Bounced Hotel PA Cover in India 15,000 USD 50,000 USD 500USD 25,000 USD 200,000 USD 500 USD 25,000 USD 500,000 USD 500 USD 25,000 USD 750,000USD 500 USD 25,000 USD 1,000,000 USD 500 USD Nil 100 USD 100 USD This benefit is payable only for one event of Missed connection during the policy period. Difference in Airfare due to delayed or early return: Covers loss arising in event of Insured returning back to India before or after scheduled date or return due to illness or accident, because of which scheduled return flight is cancelled or delayed. Bounced Hotel: Covers expenses related to transportation to alternative hotel, up gradation to a superior class of hotel arising in event of Insured not being able to avail hotel services booked on confirmed basis. PA Cover in India: Covers death or permanent total disablement if the Insured sustains Accidental Bodily Injury during his travel intended from home to airport on the day of his overseas departure from India and on the day of his arrival back to India for his travel intended from Airport to home Emergency dental pain relief Included in Medical Expenses and Evacuation sum insured 500 USD USD 100 500 USD USD 100 11) Experimental, unproven or non-standard treatment. 12) Treatment by any other system other than modern medicine (also known as Allopathy). What is Travel Prime Holiday Policy? Travel Prime Holiday plan is a specially customized travel plan that caters needs of different groups traveling abroad on Holidays. Plan covers all medical eventualities including hospitalization and other incidental expenses at a fraction of the amount that would be otherwise needed. This plan shall not be valid to any countries which involve hazards to travel for e.g.: Iran, Iraq, Afghanistan, Pakistan, Certain African countries like Congo etc. The declinature list shall be amended on timely basis, to know the current declinature list you are requested to contact us on our toll free numbers.  Repatriation 5000 USD Nil 5000 USD Nil 5,000 USD 500 USD 100 USD 250 USD 100,000 USD 50 USD per day to 60 USD per day to 60 USD per day to 60 USD per day to 60 USD per day to max 300 USD max 360 USD max 360 USD 25 USD per 12 day 30 USD per 12 hrs 30 USD per 12 hrs 30 USD per 12 hrs 30 USD per 12 hrs to max 120 USD to max 180 USD to max 180 USD 20 USD per day to 25 USD per day to 20 USD per day to 25 USD per day to 25 USD per day to max 100 USD max 125 USD max 150 USD 250 USD 500 USD 500 USD 500 USD 1,000 USD 1,000 USD 200 USD 300 USD 500 USD 2,500 USD 5,000 USD 5,000 USD 5,000 USD 1,000 USD 100 USD 250 USD 200,000 USD 5,000 USD 1,000 USD 100 USD 250 USD 200,000 USD 6,000 USD 1,000 USD 100 USD 300 USD 250,000 USD 6,500 USD 1,000 USD 100 USD 300 USD 250,000 USD Nil Nil 12 Hours 25 USD 100 USD Nil 13) The cost of spectacles, contact lenses, and hearing aids, crutches, and all other external appliances and/or devices whether for diagnosis or treatment. Loss of checked baggage ** 200 USD Nil 200 USD Nil Accidental Death & Disability (Common Carrier) 2500 USD Nil 2500 USD Nil 14) Any medical condition or complication arising from it which existed before the commencement of the Policy Period, or for which care, treatment or advice was sought, recommended by or received from a Physician. Loss of Passport 100 USD USD 15 100 USD USD 15 Personal Liability 10000 USD USD 100 10000 USD USD 100 max 360 USD max 360 USD Hijack cover $ 50 per day to max $ 300 Nil $ 60 per 12 hours to max $ 360 Nil 15) Weight management services and treatment related to weight reduction programs including treatment of obesity and its complications. 12 Hrs Trip Delay $ 20 per 12 hours to max $ 120 Nil $ 30 per 12 hours to max $ 180 12 Hours to max 180 USD to max 180 USD This benefit is payable only for one event of Trip delay during the policy period. Hospitalization Daily Allowance: Cover extends daily allowance benefit for an event of hospitalization which is also admissible under medical section of the plan. Golfer’s Hole-in-one: Cover extends a benefit for celebration on achieving a Golfers hole-in-one at any United States Golfers Association (USGA) recognized golf course anywhere in the world except India during the Insured Journey. Trip Cancellation: Covers loss arising due to cancellation of personal accommodation or travel charges paid or contracted to be paid by Insured which are not recoverable from any other source due to necessary and unavoidable cancellation of the trip prior to its commencement. Delay of Checked Baggage 100 USD 12 hours 100 USD 12 hours Nil Travel Policies cannot be issued more than 30 days in advance. In case if you wish to issue a policy more than 30 days in advance, you shall have to provide us the reason towards the same. What is the entry age? Entry age for proposer is 0.6 yrs – 60 yrs.  max 125 USD 500 USD 1,000 USD 500 USD 5,000 USD max 125 USD 500 USD 1,000 USD 500 USD 5,000 USD 16) Congenital anomalies or any complications or conditions arising there from. Emergency Cash Benefit*** 500 USD Nil 500 USD Nil Nil Nil Nil Nil • 17) Any Fertility, sub fertility, impotence, assisted conception operation or sterilization procedure. Are there any pre policy medical health check up? No pre policy medical health check up is required  Depending upon your requirement (the sum insured and the premium payable), you can choose from any of these below plans: (b) Receiving or on a waiting list for specified medical treatment declared in the Physician’s report or certificate provided by the Insured in his proposal; or What is the policy period? The policy period is maximum up to 30 days  Loss of Checked in Baggage The self-carried baggage is specifically excluded from the policy coverage.  • • • • • • • Travel Prime Holiday Silver Travel Prime Holiday Gold Travel Prime Holiday Platinum Travel Prime Holiday Super Platinum Travel Prime Holiday Maximum Travel Prime Holiday Asia Flair Travel Prime Holiday Asia Supreme What are exclusions under the policy? For detailed explanation of exclusions kindly refer policy wordings. What are the various Sum Insured options available under this policy?  (c) Travelling for the purpose of obtaining treatment; or 1) INR 100,000 500 USD 100 USD INR 200,000 1,000 USD 100 USD 500 USD INR 300,000 1,000 USD 100 USD 500 USD INR 300,000 1,500 USD 100 USD 500 USD INR 300,000 1,500 USD 100 USD 500 USD Nil Nil 12 Hours Nil • • • • • • • 15000 USD 25000 USD 50000 USD 200,000 USD 500,000 USD 750,000 USD 1,000,000 USD (d) In receipt of a terminal prognosis for a medical condition Short description of exclusion is as appended below. 2) Part or partial destruction of baggage or missing of contents from the baggage is not covered under the policy. 4) Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress / depression/nervousness having no underlying physical illness as a cause, alcoholism, drunkenness or the abuse of drugs. Benefit specific Exclusions applicable for Exclusions applicable for Personal Accident, Medical Expenses & Medical Evacuation & Repatriation 1) The Company shall be under no liability to make payment in respect of 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 save as provided for under Section Medical Expenses & Medical Evacuation. 3) The Company shall be under no liability to make payment hereunder in respect of any Claim for valuables. 500 USD INR 50,000 500 USD INR 50,000 500 USD INR 50,000 500 USD INR 50,000 500 USD INR 50,000 Nil Nil 5) Any injury, illness, death, loss, expenses or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome), venereal disease and/or any mutant derivative or variation thereof however caused. Company shall indemnify only one event of trip cancellation during policy period for any trip delayed to travel from Republic of India and or to travel to Republic of India. Trip Curtailment: Covers loss arising due to cancellation of personal accommodation or travel charges paid or contracted to be paid by Insured which are not recoverable from any other source due to necessary and unavoidable curtailment of Insured Journey.(Cutting Short by early return to India) Delay of Checked Baggage: Covers cost of emergency purchase of toiletries, medication and clothing if the baggage arrival is delayed beyond 12 hours of scheduled arrival Home Burglary Insurance: Covers loss of or damage to contents of insured's home in India (located at the address mentioned in the policy schedule) caused by actual or attempted Burglary and/or Robbery during the policy period Emergency Cash Benefit: Extends assistance service when the insured person requires emergency cash following incidents like Who can purchase this policy? Indian citizens going overseas who have a valid Indian passport Overseas citizens residing in India and are travelling abroad for a maximum period of 30 days  4) Professional Equipments’, belongings, liabilities or instruments in the baggage are excluded from the scope of the policy. What are various benefits/ coverage under the policy? The company agrees subject always to terms, conditions, exclusions, and limitations to indemnify the insured in excess of the amount of the deductible and subject always to the sum assured against such loss which is incurred within the policy period.  • • Abbreviation INR indicates Indian National Rupees Abbreviation * indicates only 50% of the Sum assured in respect of the death of the insured person below age of 18 years e.g in case of death of insured person who is below age of 18 years total liability will become 50% of total SI for personal accident i.e 50%*10000 USD= 5000 USD Abbreviation ** Per Baggage maximum 50 % and per item in the baggage 10 % Abbreviation *** Cash advance would include delivery charges Delay of Checked Baggage Delay of baggage when the intended destination is in India.  1) 6) The participation of the Insured unless under supervision of a trained professional in winter sports, mountaineering (where ropes or guides are customarily used), caving or potholing, hunting or equestrian, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), professional sports or any other hazardous or potentially dangerous sport. What does the Travel Prime Holiday Policy cover for me? Personal Accident: Covers Death or Permanent Total Disablement due to accidently bodily injury. Medical Expenses and Medical Evacuation: Covers Medical Treatment Cost incurred for any illness, injury suffered during overseas trip. Medical Evacuation covers cost of evacuation to India on advice of treating doctor with prior approval from Bajaj Allianz General Insurance Company Ltd. Emergency dental pain relief- Emergency dental pain relief is extended up to sum insured (USD 500) as stated on policy schedule under section “emergency dental pain relief”  Specific Condition • • 2) It is a condition precedent to the Company’s Liability hereunder that upon discovering the delay in arrival of the Checked Baggage the Insured shall obtain written non-delivery confirmation from the Airline along with the period of delay, which must be submitted to the Insurance Company / Claims Administrator in the event of a Claim. 2) The company shall be under no liability to make payment of any Medical Expenses incurred before the policy inception and beyond the expiry of Policy Period, save as provided for under Section Medical Expenses & Medical Evacuation. 7) The participation of the Insured in riding or driving in races or rallies. 3) The Company shall be under no liability to make payment hereunder in respect of any Claim directly or indirectly caused by, based on, arising out of or howsoever attributable to any of the following: 3) In case of more than one claim during the insured journey the Company’s liability in all claim put together will be restricted to the Section “Delay of Checked Baggage” Sum Insured. The time deductible of 12 hrs will apply separately for every claim. 8) Losses arising from Accidents as a driver on motorized vehicles unless at the time of the Accident the insured is in possession of a current full international driving license and while riding a two wheeler is wearing a safety crash helmet. i) Where the insured is: (a) Travelling against the advice of a Physician; or