Our Baggage Insurance Policy covers all accompanied baggage during a journey like suitcases,trunks etc., containing the baggage and additions during the journey.

  • It covers accompanied baggage(not dealers', stock or travellers samples) during a specified journey (including air travel).Suitcases, trunks etc., containing the baggage and additions can also be insured provided they are declared specifically before the commencement of the journey
  • The policy provides cover against loss or damage to accompanied personal baggage due to fire, riot and strike, terrorist activity or theft or accident during the course of journey including stoppages en route anywhere in India
  • Insured and insured’s family members in respect of their baggage as specified above

This policy covers persons whilst on a tour or a pilgrimage.Groups of individuals who go on study tour, educational trips or pilgrimage. Educational institutions, tour operators, travel agents, clubs, associations etc., who arrange tours, picnics, yatras etc can avail this cover for persons going on tour.

a) Death or disablement ( Permanent Total or Permanent Partial ) due to accident, hospitalisation expenses

b) additional expenses towards alternative travel
arrangement due to detour or cancellation caused by accident to carrying vehicle / train and c) loss / damage to baggage whilst on tour.


  • Death, PTD 100 % Capital Sum Insured ( CSI )
  • Loss of one limb or one eye 50% of Capital Sum Insured

Permanent Partial disablement varying percentages of CSI as per policy

Following covered at an additional premium

  • Medical expenses incurred up to 25% of claim or 10 % of sum insured which ever is lower Loss / damage to accompanied baggage subject to limits of Rs. 1,000/- or Rs. 2,000/- (depending on CSI chosen)
  • Additional expenses incurred towards alternative travel arrangement on account of detour / cancellation subject to a limit of Rs. 1,000/- or Rs. 2,000/- (depending on CSI chosen) - if detour arises by loss / damage to mode of transport by Act of God.