In this Policy the following definitions apply:

Aids

Means an opportunistic infection or a malignant neoplasm.  For the purpose of this definition, the term "Acquired Immune Deficiency Syndrome" shall have the meaning assigned to it by the World Health Organization “Acquired Immune Deficiency Syndrome” shall include H.I.V. (Human Immune Deficiency Virus), encephala (dementia) or H.I.V. wasting syndrome.

Beneficiary

Means the person or persons nominated by the Insured Person as stated on the Policy Schedule, if not mentioned then the Beneficiary will be the legal heirs of the Insured Person. If Family Plan is selected then the beneficiary in case of death of the spouse or the child is the Insured Person.

Children

Means the Insured Person’s dependant children who are not in full-time employment and who are between the ages of 3 months and 18 years (or under the age of 23 years provided they are in full-time education), unmarried, not pregnant, without children and primarily dependent on the Insured Person for maintenance and support.

Common Carrier

Means any land, water or air conveyance operated under a valid license for the transportation of passengers for hire.

Contact Sport

Means any sport in which physical contact between players is an accepted part of play.

Country of Residence

Means the country of which the Insured Person is a citizen or permanent resident.

Day

Means a period of 24 consecutive hours including the day of admission but excluding the day of discharge.

Effective Date of Coverage

Means the date of departure or start date of cover as shown on the Policy Schedule

Excess

Means the first amount, or period, of each and every loss payable by the Insured Person.

Hospital

Means a place that: (a) holds a valid license (if required by law); (b) operates primarily for the care and treatment of sick or injured persons; (c) has a staff of one or more physicians available at all times; (d) provides 24-hour nursing service and has at least one registered professional nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on premises or in facilities available to the hospital on a pre‑arranged basis; and (f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or a facility operated as a drug and/or alcohol treatment centre.

Illness

Means any fortuitous sickness or disease contracted, commencing or first manifesting itself during an Insured Journey.

Injury

Means physical trauma to an Insured Person caused by an Accident resulting, solely and independently of any other cause or any other physical defect or infirmity existing prior to the Accident, in an Insured Event within six (6) months of the date of the Accident.  Physical trauma caused by exposure to the elements of nature as a direct result of an Accident will be deemed to be an injury.

Insured Event

Means an event stated in the Table of Benefits.

Insured Journey

Means a journey commencing at the time when the Insured Person leaves his usual place of residence or business to travel in a direct, uninterrupted manner, including the return journey to the Point of Departure on an International Journey. The Insured Journey should start and end within the time frame of the Period of Coverage.

Insured Person

Means the person whose name appears on the Policy and with respect to whom premium has been paid and who is a permanent resident of the country of Policy issuance. For Family Plan Insured Person will mean the person whose name appears on the Policy as an Insured Person, his/her spouse, and his/her children also whose names appears on the Policy and with respect to whom premium has been paid and who are permanent resident of the country of Policy issuance

International Journey

Means an Insured Journey commencing from the Point of Departure to the destination, outside the territorial limits of the Country of Residence, including the return journey to the Point of Departure.

Manual Labor

Means physical labor involving the use of hands or the use or operation of mechanical or non-mechanical machinery or equipment.

Medical Expenses

Means all Reasonable and Customary Charges for Illness or Injury on an International Journey resulting in hospitalization, surgical or other diagnostic or remedial treatment given or prescribed by a Medical Practitioner.

Medical Practitioner

Means a person registered with a current, legal license to practice medicine, but excludes an Insured Person or a member of any Insured Person’s Relative.

Medical Treatment

Means a Medical Practitioner's medical advice, treatment, consultations and prescribed or repeat maintenance medication.

Period of coverage:

Means the period chosen by the insured person as per the policy schedule , for which premium has been paid , starting on the Start date , of cover as shown on the policy schedule and expiring at the end of period chosen .

Permanent Total Disablement

Means total and absolute disablement which entirely prevents the Insured Person from engaging in or giving attention to any occupation and which will in all probability be lasting and continuous for his lifetime.

Personal Effects

Means spectacles, dentures, purses, wallets, cosmetics, mobile phone and other personal effects normally worn or carried on the person.

Point of Departure

Means the point from which an Insured Person commences an Insured Journey, from within the territorial limits of his Country of Residence.

Policy

Means this document embodying the contract of insurance and shall include any subsequent Terms and Conditions, Tables, Exclusions, Terminations and Endorsements.

Pre-Existing Medical Conditions

A condition for which medical care, treatment, or advice was recommended by or received from a Physician within a two year period preceding the Effective Date of Coverage, or a condition for which hospitalization or surgery was required within a five year period preceding the Effective Date of Coverage.

Professional Player

Means an Insured Person who earns in excess of 50% of his income from playing sport or who participates in a sport that remunerates him as a means of livelihood.

Public Conveyance

Means any scheduled or chartered conveyance legally licensed to carry passengers for hire operating commercially in accordance with all locally applicable laws and regulations and in which the Insured Person is traveling only as a fare-paying passenger, including taxis and hired motor vehicles but excluding minibuses, non-standard motor vehicles and non­-pressurized single engine piston aircraft.

Reasonable and Customary Charges

Means the charges which: (a) are medically required for the treatment, supplies or medical service to treat an Insured Person's condition; (b) do not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expenses are incurred, and (c) do not exceed the charges for treatment that would have been made if no insurance existed.

Related Expenses

Means additional accommodation and traveling expenses, excluding telephone costs, meals and beverages of necessity incurred by any one person, who on the advice of a Medical Practitioner appointed by the Company remains with or escorts the Insured Person until completion of his journey or until he resumes the Insured Journey or returns to the Point of Departure, whichever occurs first.

Relative

Means a Spouse, parent, parent-in-law, grandparent, step-parent, Children, grandchild, brother, brother-in-law, sister, sister-in-law, daughter-in-law, son-in-law, fiancée, fiancé, half-brother, half-sister, aunt, uncle, niece or nephew of the Insured Person.

Spouse

Wherever used in the policy shall mean the Insured Person’s legally married husband or wife between the ages of 18 years and 65 years.

Terrorist Act

Means any actual or threatened use of force or violence directed at or causing damage, Injury, harm or disruption, or commission of an act dangerous to human life or property, against any individual, property or government, with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, whether such interests are declared or not. Robberies or other criminal acts, primarily committed for personal gain and acts arising primarily from prior personal relationships between perpetrator/s and victim/s shall not be considered Terrorist Acts.  ‘Terrorist Act’ shall also include any act which is verified or recognized as an act of terrorism by the (relevant) government of the country where the act occurs.

War

Means war, whether declared or not, or any warlike activities (including use of military force) by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends.