1. Accidental Death / Permanent Disability:
• ₹10,00,000/- (Ten Lakh Rupees) in case of accidental death or permanent disability abroad.
• Coverage remains valid even if the employer or location changes, or during visits to India or any third country.

2. Airfare Reimbursement (Insured / Dead Body + Attendant):
• Economy-class airfare to the nearest international airport in India for the insured or dead body, including one attendant, in case of accidental death or permanent disability.

3. Medical Expenses for Insured:
Up to ₹1,00,000/- per policy period (max ₹50,000 per hospitalization) for hospitalization due to accidental injuries or sickness anywhere — in India, third countries, or the country of employment.

4. Maternity Benefits (for Women Employees):
• ₹35,000/- for normal delivery.
• ₹50,000/- for caesarean delivery
• Minimum 9 months from policy start required to claim.

5. Medical Coverage for Family Members:
• Spouse and first two dependent children (up to 21 years) get up to ₹50,000/- per year for medical expenses if the insured dies due to accidental death

6. Airfare Reimbursement – If Unfit or Terminated within 12 Months:
• Economy-class airfare to India if the insured falls sick, is declared medically unfit, or employment is terminated within 12 months of policy start.

7. Airfare Reimbursement – Contract Issues or Premature Termination:
• Economy-class airfare to India if the insured is not received by the employer, faces a disadvantageous contract change, or employment is terminated through no fault of the insured.

8. Legal Expenses:
• Up to ₹45,000/- for legal costs related to employment disputes abroad.

1. Accidental Death / Permanent Disability:
• ₹10,00,000/- (Ten Lakh Rupees) in case of accidental death or permanent disability while studying abroad.
• Coverage remains valid even if the institution or location changes, and also during visits to India or any third country while the policy is in force.

2. Airfare Reimbursement (Insured / Dead Body + Attendant):
• Economy-class airfare for the insured person or dead body, including one attendant, up to the international airport in India nearest to the native place.
• Applicable if accidental death or permanent disability leads to discontinuation of studies abroad.

3. Medical Expenses:
• Up to ₹1,00,000/- per policy period (maximum ₹50,000 per hospitalization) for hospitalization due to accidental injuries.
• Coverage applies in India, any third country, or the country of study.

4. Airfare Reimbursement – If Medically Unfit:
• Economy-class one-way airfare up to the international airport in India nearest to the native place.
• Applicable if the insured person is declared medically unfit due to accidental injuries, leading to discontinuation of studies abroad.