IHI TRAVEL INSURANCE FROM HGI
IHI Travel offers the best possible protection if you have sudden, unexpected illness or injury when traveling. In case you need to see a doctor, or if you are hospitalised, we will help you in any way possible.
With IHI Travel insurance, you are ensured of;
- 24 hour emergency service worldwide
- Direct payment of all hospital bills
- Access to IHI’s medical consultants
- Free choice of doctors and hospitals
- Full cover with no deductibles
- Professional and efficient reimbursement service
- Worldwide cover during all types of travel; leisure, study and business
- No restriction on hazardous sports or occupations (except motorsports)
- Free cover of children under the age of two
- Cover for accidents results from terrorist acts
Type of cover
- Single Trip
- Annual Travel
- Business Travel
Single Trip
Each insured pays a basic premium and a premium per day for the number of days traveling.
Premium:
Basic premium |
Premium per day |
2 – 16 yrs |
17 – 36 yrs |
37 – 59 yrs |
60 – 79 yrs |
USD |
51 |
2.90 |
3.90 |
6.00 |
8.40 |
Non Medical Option |
3.75 |
Trip Cancellation Option |
3.85 |
Benefits
Maximum cover and benefits are per person per trip.
Basic Cover |
USD |
Non Medical Option |
USD |
| Maximum cover per person per trip |
Unlimited |
Personal accident-death and disability |
75,000 |
| Hospitalization |
100% |
Baggage-theft, loss or damage |
2,000 |
| Outpatient treatment by doctor/specialist |
100% |
Loss of passport and /or cash |
200 |
| Prescribed medicines |
100% |
Baggage delay |
500 |
| Prescribed treatment by physiotherapist/chiropractor |
2500 |
Personal liability-property damage |
500,000 |
| Provisional pain -stilling dental treatment |
300 |
Personal liability-bodily injury |
1,000,000 |
| Ambulance transportation |
100% |
Flight delay |
500
Per day 100 |
| Medical Evacuation/Repatriation |
100% |
Hospital daily benefit |
2,000
Per day 50 |
| Evacuation |
100% |
Security and legal assistance |
10,000 |
| Return Trip |
100% |
|
|
| Compassionate Emergency Repatriation |
100% |
Trip Cancellation Option |
USD |
| Next-of-kin Accompaniment |
100% |
Single Trip |
2,000 |
| Compassionate Emergency Visit |
100% |
Annual- per trip |
1,500 |
| Board lodging and local transport for a person Summoned or accompanying the insured, per person per day |
300 |
|
|
| Statutory arrangements in case of death |
100% |
|
|
| Home transportation of the deceased |
100% |
|
|
<<Click here to download Proposal Form>>
Annual Travel
Each insured pays an annual premium.
Premium: 1st Year
|
Premium per day |
2 – 16 yrs |
17 – 36 yrs |
37 – 59 yrs |
60 – 79 yrs |
USD |
117 |
171 |
178 |
239 |
Non-Medical Option
2-79 years |
124 |
Trip Cancellation Option
2-79 years |
125 |
* Premium payable in Nepalese currency.
Premium: Renewal per year
|
Premium per day |
2 – 16 yrs |
17 – 36 yrs |
37 – 59 yrs |
60 – 79 yrs |
USD |
84 |
123 |
128 |
172 |
Non-Medical Option
2-79 years |
124 |
Trip Cancellation Option
2-79 years |
100 |
* Premium payable in Nepalese currency.
Benefits: Maximum cover and benefits are per person per trip.
Basic Cover |
USD |
Non Medical Option |
USD |
| Maximum cover per person per trip |
Unlimited |
Personal accident-death and disability |
75,000 |
| Hospitalization |
100% |
Baggage-theft, loss or damage |
2,000 |
| Outpatient treatment by doctor/specialist |
100% |
Loss of passport and /or cash |
200 |
| Prescribed medicines |
100% |
Baggage delay |
500 |
| Prescribed treatment by physiotherapist/chiropractor |
2500 |
Personal liability-property damage |
500,000 |
| Provisional pain -stilling dental treatment |
300 |
Personal liability-bodily injury |
1,000,000 |
| Ambulance transportation |
100% |
Flight delay |
500
Per day 100 |
| Medical Evacuation/Repatriation |
100% |
Hospital daily benefit |
2,000
Per day 50 |
| Evacuation |
100% |
Security and legal assistance |
10,000 |
| Return Trip |
100% |
|
|
| Compassionate Emergency Repatriation |
100% |
Trip Cancellation Option |
USD |
| Next-of-kin Accompaniment |
100% |
Single Trip |
2,000 |
| Compassionate Emergency Visit |
100% |
Annual- per trip |
1,500 |
Board lodging and local transport for a person
Summoned or accompanying the insured, per person per day |
300 |
|
| Statutory arrangements in case of death |
100% |
|
| Home transportation of the deceased |
100% |
|
<<Click here to download Proposal Form>>
Business Travel
It allows the company and its employees to freely choose the physician or hospital they prefer if they need medical assistance abroad.
It has no limitation as to who is eligible for cover. The insured company decides who should be covered; board members, spouses, children, employees, guests etc.
It’s a annual policy to be renewed every year.
Benefits: Maximum cover and benefits are per person per trip.
Basic Cover |
USD |
Non - Medical Option |
USD |
| Maximum cover per person per trip |
UNLIMITED |
Personal accident - death and disability |
75.000 |
| Hospitalization |
100% |
Baggage - theft ,loss or damage |
3.000 |
| Outpatient treatment by a doctor/specialist |
100% |
Loss of passport and / or cash |
300 |
| Prescribed medicines |
100% |
Baggage delay |
500 |
| Prescribed treatment by a physiotherapist / chiropractor |
2,500 |
Personal liability - property damage |
500.000 |
| Provisional pain-stilling dental treatment |
300 |
Personal liability - bodily injury |
1.000.000 |
| Ambulance transportation |
100% |
Flight delay |
500
Per day 100 |
| Medical Evacuation / Repatriation |
100% |
Hospital daily benefit |
2.000
Per day 50 |
| Evacuation |
100% |
Security and legal assistance |
10.000 |
| Return Trip |
100% |
|
|
| Compassionate Emergency Repatriation |
100% |
Trip Cancellation Option |
USD |
| Next to kin accompaniment |
100% |
Per Person per trip |
1.500 |
| Compassionate Emergency Visit |
100% |
|
|
| Board, lodging and local transport for a person summoned or accompanying the insured, per person per day |
300 |
|
|
| Statutory arrangements in case of death |
100% |
|
|
| Home transportation of the deceased |
100% |
|
|
Premium : The premium will be quoted per year and depends on the total annual travel activity. Minimum of 200 travel days per year is required.
<<Click here to Download Form>>
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