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What is Shubh Yatra?

Shubh Yatra is the Domestic Travel Insurance Product, which will take care of any unforeseen events that might arise during your journey; like flight delays, baggage loss, ticket loss, etc. The policy provides coverages to daily commuters, Business persons travelling on business trips and people going on vacations within India.

Why buy Shubh Yatra

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!
  • 10% family discount if you cover yourself and one more person in the same plan
  • 10% to 25% discount on premiums if you choose voluntary deductible plan
  • Floater discount on premiums paid for dependent members
  • 10% discount if you pay all premiums at once
  • No loading charge for a bad claim experience
  • Flexible premium payments - monthly, quarterly and half-yearly
  • 15% discount if you buy from our website

What is covered?

INCLUSIONS

  • Personal Accident

    Coverage against Accidental Death, Permanent Total Disablement, Permanent Partial Disablement while you are travelling within India

  • Travel Inconvenience

    Product will take care of expenses incurred in case of Trip Delay, Trip Cancellation, Trip Curtailment and Missed Connections

  • Home Insurance

    We shall reimburse expenses up to maximum limits specified in case of Burglary and Fire

  • Loss of Checked in Baggage

    We shall reimbursement for the cost of replacement of the entire Checked-in Baggage and its contents or replace/ reinstate the Checked-in Baggage subject to the limits specified in the policy schedule

  • Bounced Hotel and Flight

    We shall reimburse the actual additional expenses/ cost incurred by the Insured up to the limits specified in the policy schedule for alternative travel arrangements with a Common Carrier or for alternative accommodation in the event that the confirmed flight reservation or accommodation being part of the Trip is bounced

  • Emergency Hotel Extension

    We shall reimburse for the cost of hotel extension of the Insured and his/ her family members in case the insured or his/ her family member has sustained an accidental injury during the policy period which requires hospitalization

  • Medical Evacuation and Repatriation of mortal remains

    We shall reimburse the charges up to the limit specified in the Policy Schedule for medical evacuation and repatriation as per specified terms

  • Adventure Sports (applicable for Vacations Plan)

    We shall cover for Accidental Death, Permanent Total Disablement, Medical evacuation or repatriation of mortal remains arising due to Adventure Sports in Vacation Plan

  • Assistance services

    We shall provide assistance service for private car breakdown, taxi breakdown, ambulance assistance, Concierge services, medical evacuation and repatriation as per the plan opted and mentioned in the Schedule

What is not covered?

EXCLUSIONS

  • Accident while insured is at his/her home

  • Any existing disablement prior to the inception of the policy

  • Intentional self-Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol

  • Whilst engaging in hazardous activity

  • Accident while under the influence of alcohol or drugs

  • Participation in an actual or attempted felony, riot, crime, misdemeanour or civil commotion

  • Any expense incurred which is not exclusively medical in nature/ Unproven/ Experimental treatment of any description

  • Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these

  • Any claim relating to events occurring before the commencement of the policy period or after the completion of the policy period

  • Whilst engaging in Adventure Sports. This exclusion shall not be applicable for Accidental Death, Permanent Total Disablement, Medical evacuation or repatriation of mortal remains arising due to Adventure Sports in Vacation Plan

  • War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage or under the order of any government or public authority

  • Any claim relating to events occurring beyond the maximum duration of trip as specified in the schedule

What are the plans and eligibility in Shubh Yatra?
Plans Available
  • Daily Commuters

  • Business Trip

  • Vacation Plan

Eligibility
  • Age Eligibility - From Day 1 to 70 years

  • Family Definition - Self, Spouse, Dependent children (up to the age of 25 years) and Dependent parents can be covered in a single policy on individual sum insured basis.

Policy Period Options

SR. No.

PLANS

POLICY PERIOD OPTIONS AVAILABLE 

1.

Daily Commuters

a) Annual basis
b) 1 month, 3 months, 6 months

2.

Business Trip

a) Annual Multi Trips - Each trip not more than 30 days
b) Single Trip Policy: 1-7 days, 8-15 days

3.

Vacations Plan

a) Annual Multi Trip Policy- Each trip not more than 30 days
b) Single Trip Policy: 1-7 days, 8-15 days, 16-30 days

How Can I Purchase
Future Generali Health Insurance?

  • Get a quick quote 1

    Get a quick quote

    We only need some basic details to give you a quote.
  • Fill the form 2

    Fill the form

    Select a quote that suits you and fill our proposal form. Answer some questions about your health.
  • Pay and get your policy 3

    Pay and get your policy

    Now pay the premium and get your policy in your inbox!
What happens after purchase?

Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.

  • Policy Schedule You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
  • Premiums Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
  • Policy Coverage and Terms & Conditions This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
  • Claim form Claim form You can intimate your claim online or submit the form at your nearest branch or email it to us.
  • Complaint/feedback form Should you have any complaints/feedback, you can fill in the form and submit it at the nearest branch or email it to us.
  • Grievance Redressal In case you are not satisfied with the resolution to your complaint provided by us, you may approach the Insurance Ombudsman for review.

FAQs - Frequently Asked Questions

What is Shubh Yatra Policy?

Shubh Yatra is a Domestic Travel Insurance Policy, which will take care of any unforeseen events that might arise during your journey; like trip delay, trip cancellation, missed connection, loss of checked in baggage etc.

What is the need of Domestic Travel Insurance? What does it covers?

"Domestic Travel Insurance Plan ensure a stress-free travel to your destination. The domestic travel insurance covers following benefits: Accidental Death, Permanent Total Disability, Permanent Partial Disability, Accidental Hospitalization Home Insurance: Fire and Allied Peril Burglary, Bag Insurance, Trip Cancellation, Trip Curtailment, Trip Delay, Missed connections, Loss of Checked in baggage, Bounced Hotel and Flight Emergency Hotel Extension, Medical Evacuation and Repatriation of Remains Adventure Sports Assistance Services: Private Car Break Down, Taxi Breakdown, Ambulance Assistance, Concierge services, Medical Evacuation Repatriation"

Is Domestic Travel Insurance mandatory?

Travel Insurance is not mandatory in India. However for a safe and peaceful trip, we recommend that you should take a Travel insurance policy to take care of any contingencies that might arise during your journey; like trip delay, trip cancellation, missed connection, loss of checked in baggage etc.

What are the various plan variants available under Shubh Yatra Travel Insurance?

Shubh Yatra domestic travel provides following plan options Daily Commuters Business Trip Vacations Plan Various Policy Period options available are: Sr. No. Plans Policy Period options available 1 Daily Commuters a) Annual basis b) 1 month, 3 months, 6 months 2 Business Trip a) Annual Multi Trips - Each trip not more than 30 days b) Single Trip Policy: 1-7 days, 8-15 days 2 Vacations Plan a) Annual Multi Trip Policy- Each trip not more than 30 days b) Single Trip Policy: 1-7 days, 8-15 days, 16-30 days

What is the age eligibility to buy this product?

The age Eligibility for this product – From Day 1 to 70 years.

What is a deductible?

Deductible means a cost sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified rupee amount in case of the covered expenses, which will apply before any benefits are payable by the Insurer. A Deductible does not reduce the sum insured.

What are the deductibles associated with Shubh Yatra product?

"Yes, the deductibles are associated with Shubh Yatra product for following coverages: Deductible of 6 hours will be applicable for Trip Delay cover Deductible of 2 days will be applicable for Emergency Hotel Extension cover"

Can a policy be issued once the travel has commenced?

No, policy cannot be issued once travel has commenced.

Does one has to undergo through any medical examination?

No, there is no medical examination required to avail Shubh Yatra Travel plans

Can I extend my policy in case I extend my stay?

Yes, extension facility is available in case of Single Trip options of Business Trip and Vacations plans

Need to know more about Travel Insurance?

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PRODUCT NAME: SHUBH YATRA | UIN NO: FGITIDP20115V011920 | LAUNCH DATE: 27TH JULY 2020