Trip Curtailment. In the event of an Insured Person having to cancel the Covered Trip after its commencement consequent upon the Insured Person having to return to Hong Kong necessitated by the followings:
1) death, Serious Bodily Injury or Serious Sickness of the Insured Person, Insured Person's Immediate Family Member, Close Business Partner or Traveling Companion who is a resident in Hong Kong; or
2) sudden occurrence of strike by the employees of a Public Common Carrier, Hijack, unanticipated outbreak of natural disasters, adverse weather conditions, epidemic, riot or civil commotion or Terrorism at the planned destination, which prevent the Insured Person from continuing with his/her scheduled Covered Trip; or
3) serious damage to the Insured Person's and/or the Traveling Companion's principal home Hong Kong; or
4) unexpected issuance of a Black Alert at the planned destination which prevent the Insured Person from continuing with his/her scheduled Covered Trip. the Company will, subject to the Terms of this Policy and the Amount of Benefit stated in the Schedule, pay for the loss of travel fare and/ or accommodation expenses forfeited by the Insured Person and/or additional traveling and/or accommodation expenses which have been paid in advance and for which the Insured Person is legally liable.
Trip Curtailment. In the event of an Insured Person having to cancel the Covered Trip after its commencement consequent upon the Insured Person having to return to Hong Kong necessitated by the followings:
Trip Curtailment. In the event of interruption of the Trip before the Insured has reached the final destination town, the Insurer will reimburse any non-refundable expenses towards cost of ticket for next available option or any incidental expenses including Boarding & Lodging for maximum one day up to the Limit of Indemnity, provided the curtailment is due to a booked aircraft being delayed for at least 24 hours due to strike, industrial action, riot, civil commotion, severe weather condition, natural disaster or hijack Terms and Conditions
a) The limits under this section are as mentioned in the Schedule of Benefits
b) The Insurer’s liability to make payment is only in excess of the Deductible.
Trip Curtailment. Please attach the following documents • Proof of cancellation of the onward air tickets • Copies of cancellation correspondence with airline authorities certifying the cancellation, along with details of compensation received from airlines / other authorities (if any) • Copy of ticket & boarding pass (if any) • Proof of the reason for cancellation of the onward journey •
a) certificate from the airline establishing the nature, duration and reason of delay of the flight • any other information or documentation that the Insurer may reasonably require
Trip Curtailment. We will pay the cost of additional travel and accommodation expenses or a fixed amount, as specified in the Policy Schedule / Certificate of Insurance, incurred towards any unavoidable curtailment of the Insured Person’s booked and confirmed journey due to one of the circumstances specified below:
a. Any unforeseen death, disablement (whether of a permanent or temporary nature), Injury due to an Accident, Illness or Hospitalization of the Insured Person, leading to emergency Hospitalisation for a minimum period of 24 Hours or the number of hours, as specified in the Policy Schedule / Certificate of Insurance;
b. Any unforeseen death, disablement (whether of a permanent or temporary nature), Injury due to an Accident, Illness or Hospitalization of an Immediate Relative of the Insured Person travelling with the Insured/Insured Person, leading to emergency Hospitalisation a minimum period of 24 Hours or the number of hours, as specified in the Policy Schedule / Certificate of Insurance;
c. Any public event such as mass bandhs, or widespread strikes which the Insured Person could not reasonably avoid or plan for ahead in time;
d. On the occurrence of a Catastrophe during the Coverage Period. This Benefit will be payable provided that:
a. The event giving rise to a claim under this Benefit must be such as to reasonably cause a journey to be curtailed;
b. This Benefit will include cover for any irrecoverable costs of travel fares or accommodation incurred due to cancellation of the Insured Person’s booked and confirmed journey, as levied or charged by the Common Carrier; We shall not be liable to pay any expenses under this Benefit for any facts or matters of which the Insured Person was aware or should have been aware might result in the curtailment of the journey.
Trip Curtailment. We will indemnify the non-refundable expenses incurred by the Insured subject to the amount and deductible (wherever applicable),specified in the Schedule on travel tickets, hotel bookings and scheduled tour bookings if the Insured’s journey during the Period of Insurance is curtailed due to any of the following reasons provided that all such bookings are cancelled by the Insured within 48 hours of the occurrence of the event giving rise to the claim under this Benefit:
a) Death or diagnosis of Major Illness of the Insured or the Insured’s spouse, child, parent, brother, sister, grand-parent, grand-children or parent-in-law.
b) The Common Carrier outside India on which the Insured is scheduled to travel is delayed for at least 24 consecutive hours due to strike, industrial action, riot, civil commotion, severe weather condition, natural disaster, hijack or mechanical breakdown of the Common Carrier.
c) Serious damage to the Insured’s residence in India arising from fire, flood, earthquakes and riots.
d) The Insured’s involuntary termination of employment or layoff after continuous employment with the same employer for 1 year or more, provided that the Insured is not a temporary employee, independent contractor, or a self-employed person. This Benefit shall be available if the Ruby I/II, Emerald I/II, Sapphire I/II, Diamond I/II Plans are in force for the Insured. In addition to General Exclusions, We shall not be liable to make any payment under this Section B.4. directly or indirectly for, caused by, based upon, arising out of or howsoever attributable to any failure to follow the directions, advice or guidance of a Medical Practitioner.
Trip Curtailment. In the event of any unavoidable curtailment of the Insured Person's booked and confirmed Trip, the Company shall reimburse the loss of any bookings made in advance towards travel, accommodation, visa charges, sightseeing, and Cruise, which is either paid by the Insured Person or contracted to be paid by the Insured Person, which are not recoverable from any other source, up to the limit of Sum Insured as specified against this Benefit in the Policy Certificate, due to one of the circumstances specified below:
a. Any unforeseen death, disablement (whether of a permanent or temporary nature), Injury due to an Accident, Illness or Hospitalization of the Insured Person or his/her Immediate Family Member, leading to Emergency Hospitalization for minimum period of 48 hours, whilst the Insured Person is on a Trip;
b. The hijack of a Common Carrier in which the Insured Person is traveling whilst on a Trip, for more than 12 hours.
Trip Curtailment. We will cover the additional and unused transportation and/or accommodation expenses which have been paid in advance and for which You are legally liable if You must cancel the Covered Trip upon its commencement and to return to Hong Kong SAR due to the following:
1) Death, Serious Physical Injury/ Serious Illness or Hijack of - the Insured Person; - an Immediate Family Member or Close Business Partner who is a resident in Hong Kong SAR;
2) Sudden Outbreak of natural disaster, strike, riot, civil commotion, adverse weather condition, Terrorism or Airport Closure at the planned destination which prevent You from continuing with the scheduled Covered Trip;
3) serious damage to the Insured Person's and/or the Traveling Companion's principal home Hong Kong;
Trip Curtailment. We will cover the additional and unused transportation and/or accommodation expenses which have been paid in advance and for which You are legally liable if You must cancel the Covered Trip upon its commencement and to return to Hong Kong SAR due to the following:
1) Death, Serious Physical Injury/ Serious Illness or Hijack of - the Insured Person; - an Immediate Family Member or Close Business Partner who is a resident in Hong Kong SAR;
2) Sudden Outbreak of natural disaster, strike, riot, civil commotion, adverse weather condition, Terrorism or Airport Closure at the planned destination which prevent You from continuing with the scheduled Covered Trip;
3) serious damage to the Insured Person's and/or the Traveling Companion's principal home Hong Kong;
4) Unexpected issuance of a Black Alert by the Hong Kong government which prevents You from continuing with the scheduled Covered Trip.
1) You must take all possible steps to recover the payments made for transportation, accommodation and package tour;
2) We will calculate the benefits to be paid in respect of curtailment claims for unused tour expenses, in proportion to the unused days. This Section does not cover any curtailment arising from or due to:
1) government's regulation, control or act.
2) bankruptcy, liquidation, error, omission or default of the Public Common Carrier, the travel agent or other provider of any service forming part of the booked Itinerary.
3) Your disinclination to travel or financial circumstance;
4) failure to notify the Public Common Carrier, the travel agent or other provider of any service forming part of the itinerary of the need to cancel or abandon the travel arrangement when it is found necessary to do so.
Trip Curtailment. In the event of curtailment of Trip overseas, the Insurer will reimburse non-refundable expenses on cutting short the Overseas Travel Tickets, Hotel booking or Scheduled Tour Booking up to the Limit of Indemnity provided the curtailment is due to any of the following:
