Travel Insurance For USA From India
Travel Insurance USA from India Starts @ ₹24.8/- Per Day
Planning a trip to the United States from India requires more than just booking flights and hotels. One important step that many travellers overlook is securing the right travel insurance USA plan.
Whether you are heading there for leisure, business, or studies, travel insurance United States helps you stay protected against unexpected medical and travel-related expenses. From flight delays to emergency hospitalisation, a reliable insurance plan ensures you stay covered throughout your journey.
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France Travel Insurance from India Starts @ ₹24.8/- Per Day
Is USA Travel Insurance Mandatory for Indians
USA travel insurance is not mandatory for Indian travellers applying for a visa. However, it is highly recommended due to the high cost of healthcare in the United States. A single emergency can lead to massive medical bills if you are uninsured.
Having travel insurance in the USA ensures financial protection in case of accidents, illness, or travel disruptions, helping you travel with confidence throughout your stay in the United States.
Benefits of TATA AIG Tourist Insurance USA
Comprehensive Medical Coverage
TATA AIG offers extensive health coverage in the USA, including emergency medical expenses, hospitalisation, and surgeries. Given the expensive healthcare system in America, having travel insurance for travel to the USA is essential. It safeguards you from draining your savings due to sudden illnesses or injuries during your trip.
Protection Against Trip Disruptions
TATA AIG travel insurance USA trip includes coverage for trip cancellations, delays, and missed connections. This helps recover non-refundable costs for flights or hotel bookings. Travel disruptions can occur anytime, and this benefit ensures you do not suffer major financial losses due to unpredictable circumstances.
Coverage for Passport and Baggage Loss
Losing your passport or luggage can ruin your travel experience. TATA AIG travel insurance America includes compensation for loss of checked-in baggage. We assist you in getting your lost passport reissued and ensure your plans continue smoothly despite such setbacks.
Emergency Medical Evacuation and Repatriation
Medical evacuation in the USA can be prohibitively expensive. TATA AIG travel health insurance USA includes evacuation to the nearest medical facility or return to India if needed. This is a critical benefit in case of major health issues or accidents during your US visit.
24/7 Global Assistance
If you face a medical emergency, lose documents, or need urgent help, TATA AIG offers 24/7 customer support. Our US travel insurance for visitors includes round-the-clock helpline access. Buy travel insurance online from TATA AIG and get dependable assistance across time zones, no matter where you are in the United States.
Personal Liability Cover
Accidents can happen, and if you unintentionally cause damage to property or injury to someone during your USA trip, you could be held legally responsible. TATA AIG travel insurance for travel to the USA includes personal liability coverage. It protects you from the financial burden of such legal claims, offering crucial support in unfamiliar legal environments abroad.
Automatic Extension of Policy
Sometimes flights get delayed, or medical conditions may extend your stay in the USA unexpectedly. Our travel insurance USA trip comes with an automatic extension benefit for such situations. This ensures your visitors' insurance USA continues to protect you, even when your trip extends beyond the original plan due to valid reasons like illness or airline delays.
Disclaimer - *TATA AIG Travel Insurance International Plus Brochure - TitaniumPlus option - UIN TATTIOP25045V022425
Types of TATA AIG Travel Insurance for USA visitors
| Plans | Coverage |
|---|---|
| International Titanium Plus Plan |
|
| International Platinum - Plan B |
Medical Coverage: Offers protection for medical expenses up to $500,000 per incident. Also includes coverage of up to $12,500 for life-threatening pre-existing conditions. Emergency Dental Care: Provides up to $1,000 towards urgent dental treatment while travelling abroad. Baggage and Document Protection: Compensation includes $50 for baggage delays beyond 4 hours, $300 for lost baggage, and $250 for passport replacement. Flight and Booking Assistance: Covers $50 for flight delays of over 4 hours, $750 for missed connections, and $1,000 for bounced hotel or airline bookings. Trip Cancellation or Curtailment: Provides $1,000 each for cancellations or early termination of trips due to unforeseen events. Accidental Death & Disability: Includes $25,000 coverage for accidental death or permanent disablement overseas |
| International Gold - Plan B |
Medical Expenses: Provides unlimited coverage with up to $250,000 per incident for illness or accidental injury. Also includes up to $10,000 for life-threatening pre-existing conditions. Emergency Dental Care: Covers urgent dental treatment abroad with a benefit of up to $500. Baggage & Passport Protection: Includes $45 for baggage delays beyond 4 hours, $300 for lost baggage, and $250 for passport replacement. Flight & Booking Coverage: Offers $45 for flight delays over 4 hours, $500 for missed connections, and $750 for bounced airline or hotel bookings. Trip Cancellation & Curtailment: Provides $750 in case of cancelled or shortened trips due to unforeseen events. Accidental Death & Disability: Covers up to $15,000 for accidental death or permanent disability during overseas travel. |
| International Silver Plus - Plan B |
Medical Coverage: Offers unlimited medical expense protection with a maximum of $100,000 per incident. Also covers life-threatening pre-existing conditions up to $5,000. Emergency Dental Care: Provides up to $400 for necessary dental treatment during your international trip. Baggage & Passport Cover: Compensation includes $40 for baggage delays exceeding 4 hours, $200 for lost baggage, and $250 for passport replacement. Flight & Accommodation Assistance: Covers $250 for missed connections and $500 for bounced hotel or airline bookings. Trip Protection: Offers $500 each for cancellations or early curtailment of travel plans due to unforeseen reasons. Accidental Death & Disability: Provides coverage of up to $10,000 in case of accidental death or permanent disability overseas |
*TATA AIG Foreign Travel Insurance International Plus Brochure - TitaniumPlus option - UIN TATTIOP25045V022425
Please note: Reimbursements and coverage are subject to policy terms and conditions. Please read the policy wording for more information.
Travel Insurance USA Add-Ons
| Add-Ons | Foreign Travel Insurance Add-On Details |
|---|---|
| Cruise Bundle |
|
| Travel Plus Bundle |
Minor Child Escort: Up to $1,000 for safe return if hospitalised. Frequent Flyer Miles: Compensation of $200 for lost miles due to trip cancellation. Electronic Gadgets: $500 cover for lost devices, with a $50 deductible. |
| Accident Bundle (Ages 15 to 60 only) |
Lifestyle Support: $200 for necessary adjustments after an accident. Child Education Aid: $5,000 towards the dependent child’s education on accidental death. Coma Benefit: $5,000 if the insured enters a coma. Adventure Sports Cover: Medical costs up to $5,000,000 for injuries during adventure activities. |
| Optional Assistance Services |
Care at Home Service: Assistance with caregiver or medical support for dependents in India if the insured is hospitalised overseas. Luggage Tracking: Real-time tracking to trace delayed or misplaced checked-in baggage. Passport Assistance: Help with reporting, locating, and replacing lost or stolen passports during travel. |
Best Travel Insurance for USA - Inclusions and Exclusions
Travel Insurance USA Trip Inclusions - What is Covered
- Medical Expenses and Emergency Evacuation - Covers hospitalisation, OPD, telemedicine, and medically required evacuation abroad.
- Emergency Dental Treatment - Provides cover for urgent dental care and related follow-ups for 30 days.
- Baggage Delay or Loss - Pays a fixed amount for baggage delays and reimburses for full loss due to theft or airline mishandling.
- Passport Loss - Reimburses costs for emergency certificates and passport reissuance abroad.
- Personal Liability - Protects against third-party claims for bodily injury or property damage.
- Flight Delay - Offers a fixed payout if flights are delayed beyond policy-defined hours.
- Trip Cancellation and Curtailment - Refunds prepaid, non-refundable expenses for cancellations or early trip termination due to illness, disasters, or unrest.
- Missed Flight/Connection - Covers additional travel costs for missed flights caused by strikes, accidents, or prior delays.
- Bounced Hotel/Airline Booking - Pays for alternate bookings if confirmed reservations are unexpectedly cancelled.
- Loss of Personal Baggage - Reimburses for stolen or burgled baggage during the trip.
- Visa Rejection - Covers non-refundable visa application fees if rejected without your fault.
- Pandemic Cover - Supports quarantine-related costs if diagnosed with a declared pandemic illness.
- Repatriation of Mortal Remains - Covers expenses for transporting mortal remains back to India.
- Accidental Death and Disablement - Provides compensation for accidental death or permanent disability, including loss of sight, speech, or hearing.
Please note: The above-mentioned points are only a partial list of inclusions for travel insurance for travel to the USA. Other available coverages include Emergency Extensions, Personal Accidents in India, Compassionate Travel, Loss of cash and more. All benefits are subject to policy terms and conditions. Kindly refer to the policy wording for detailed information.
Travel Insurance America Exclusions - What is Not Covered
- Pre-existing Conditions: Excluded unless life-threatening.
- Travelling Against Medical Advice: No cover if travel is against a doctor’s advice or for treatment.
- Self-harm & Substance Abuse: Injuries from suicide, drugs, or alcohol misuse are excluded.
- Adventure Sports: Risky sports are excluded unless the policy specifically covers them.
- Sexually Transmitted Diseases: No coverage for STDs or related complications.
- Illegal Acts: Claims from criminal or unlawful acts are not covered.
- War & Terrorism: Excludes war, invasion, nuclear, or biological terrorism.
- Congenital Conditions: No cover for congenital anomalies or related issues.
- Immigrant Travel: Travel on immigrant visas beyond 120 days is excluded.
Please note: This is not a complete list of the exclusions for travel insurance USA. For complete details, please refer to the policy document.
How to Buy Travel Insurance for USA from TATA AIG
- Visit Website - Open the official TATA AIG website and go to the international travel insurance section to buy travel insurance.
- Enter Travel Details - Select USA as your destination, provide travel dates, and fill in basic information.
- Compare Plans - Click “See Plans” to view available options, compare features, and select the most suitable policy.
- Complete KYC & Payment - Submit accurate details in the form, finish the KYC process, and make a secure online payment.
- Receive Policy - Instantly get your travel insurance policy via email to stay protected during your USA trip.
Why Do You Need Travel Insurance America
Scenario 1: Your father gets hospitalised in New Jersey for chest pain
Medical bills in the US can be overwhelming, especially for seniors.
How Can We Help
With our travel insurance for parents visiting the USA, you are covered for up to $1 million in medical expenses, including hospitalisation, OPD, and even teleconsultation. It is one of the best visitor insurance for parents visiting the USA, offering financial ease during emergencies.
Scenario 2: Your connecting flight from Chicago to San Francisco is missed
Flight delays and missed connections are common across US airports.
How Can We Help
We cover up to $750 for missed connections and offer support to reschedule your journey. It is an essential feature of many international travel insurance for Indian travellers.
Scenario 3: Your passport is lost in Times Square
Losing your passport while exploring a busy city can derail your trip.\
How Can We Help
Your cheap travel insurance USA includes up to $500 for reissuance costs and emergency travel documentation assistance.
Scenario 4: Your checked-in baggage is permanently lost at JFK Airport
Your suitcase never arrives, leaving you stranded without essentials.
How Can We Help
Our travel insurance USA compensates up to $500 for full baggage loss. You can repurchase essentials and continue your journey stress-free.
Scenario 5: You are legally liable for accidentally injuring a cyclist
Accidental injuries on American roads can lead to lawsuits.
How Can We Help
Our visitors insurance USA includes $500,000 personal liability cover, handling legal fees and third-party claims.
Scenario 6: You suffer a sudden toothache during your US stay
Emergency dental care is costly in the US.
How Can We Help
We cover up to $1,200 under dental benefits, ensuring pain relief without financial pain.
How to File a Claim for Travel Insurance USA with TATA AIG
Steps to Follow to File a Claim
- Report the Claim: Inform TATA AIG or its Assistance Partner within 7 days of the incident, and not later than 30 days.
- Submit Documents: Provide policy details, passport copy, travel tickets, medical bills, police reports, or any other supporting evidence.
- Support Assessment: Cooperate with the claims team during verification and provide additional documents if requested.
- Review & Settlement: After evaluation, the approved claim amount is reimbursed directly to your bank account.
- Track Progress: Monitor claim status online or via the mobile app using your claim reference number.
Documents Needed to File a Claim
- Duly Filled Claim Form: Submit the official TATA AIG claim form, accurately completed and signed.
- Policy Document Copy: Proof of an active travel insurance policy during your journey.
- Flight Tickets and Boarding Pass: Provide tickets, boarding passes, and itinerary with booking dates.
- Original Bills and Receipts: Include pharmacy, consultation, diagnostic bills, and related prescriptions.
- Medical Reports and Case History: Attach investigation results, discharge summaries, and treatment documents.
- Diagnosis Report: Submit a precise medical diagnosis for the illness or injury claimed.
- Breakdown of Services and Costs: Itemised list of treatments and services with unit prices.
- Prescriptions and Invoices: Provide original prescriptions with the insured’s name, prescribed drugs, costs, and payment slips.
- Additional Documents if Requested: Furnish any extra documents required by the claims team for verification.
Please note - This is a general list of documents for filing a claim. You may need additional documents for your specific claim.
Important Contact Information for Claim Assistance
- Initiate a claim online through the TATA AIG Claims page or the TATA AIG app on Google Play and App Store.
- Also call +91-022 6489 8282 (Charges Apply) for any other claim-related assistance.
- Email tata.aig@europ-assistance.in.
Best Time to Visit the USA
| Season | What to Expect | Things to Know Before Visiting |
|---|---|---|
| Spring (March–May) | Blooming flowers, mild weather, popular for outdoor sightseeing and festivals. | Ideal for visiting national parks; pack light jackets as evenings can be cool. |
| Summer (June–August) | Warm to hot temperatures, lively beaches, long days for exploration. | Peak tourist season, higher prices, book flights and hotels well in advance. |
| Autumn (September– November) | Pleasant weather, stunning fall foliage, and wine harvest festivals. | Great for road trips; carry layers as temperatures vary widely between regions. |
| Winter (December– February) | Snow in northern states, perfect for skiing and winter sports. | Best for holiday markets and ski resorts; pack heavy clothing and winter gear. |
Recommended 10D Itinerary for USA and Estimated Costs
The total cost per person would be approx. ₹3,50,000 to ₹5,50,000 for a 10D/11N USA trip, mid‑rangegood hotels, domestic flights, decent food, typical activities.
If you travel more modestly with budget hotels, fewer paid tours, more public transport, you might manage at about ₹2,50,000 ‑ ₹3,50,000. For a more luxurious version, costs could go above ₹6,50,000+.
| Days | Highlights |
|---|---|
| Day 1 | I arrived in New York. Check into your hotel and explore Times Square at night for a dazzling start. |
| Day 2 | Visit the Statue of Liberty, Ellis Island, Central Park, and the Empire State Building. Stroll along Fifth Avenue |
| Day 3 | Explore the Metropolitan Museum of Art, the Museum of Modern Art, and catch an evening Broadway show. |
| Day 4 | Travel to Washington D.C. Visit the White House, Lincoln Memorial, and Capitol Hill |
| Day 5 | Spend the day exploring the Smithsonian Museums, the National Air and Space Museum, and the National Mall. |
| Day 6 | Fly to Orlando. Visit Walt Disney World and enjoy magical rides, parades, and fireworks. |
| Day 7 | Spend the day at Universal Studios, exploring movie-themed attractions and thrilling rides. |
| Day 8 | Fly to Las Vegas. Experience The Strip, casinos, themed hotels, and nightlife. |
| Day 9 | Take a full-day trip to the Grand Canyon or Hoover Dam from Las Vegas. |
| Day 10 | Fly to San Francisco. Visit the Golden Gate Bridge, Fisherman’s Wharf, and Chinatown. Enjoy a bay cruise. |
| Day 11 | Shop for souvenirs and depart for your return flight. |
Must-See Attractions in the USA
- New York City: Statue of Liberty, Central Park, Times Square, and the Empire State Building.
- Washington D.C.: White House, Capitol Hill, Lincoln Memorial, and Smithsonian Museums.
- Orlando: Walt Disney World and Universal Studios, ideal for families and theme park lovers.
- Las Vegas: The Strip, live shows, casinos, and nearby Grand Canyon day trips.
- San Francisco: Golden Gate Bridge, Alcatraz Island, Fisherman’s Wharf, and scenic bay cruises.
- Chicago: Millennium Park, Cloud Gate (The Bean), and Willis Tower Skydeck.
- Los Angeles: Hollywood Walk of Fame, Universal Studios Hollywood, and Santa Monica Pier.
Top International Airports in the USA
| Airport in the United States | City | IATA Code |
|---|---|---|
| Washington Dulles International Airport | Washington, DC | IAD |
| John F Kennedy International Airport | New York City | JFK |
| San Francisco International Airport | San Francisco | SFO |
| O'Hare International Airport | Chicago | ORD |
| Salt Lake City International Airport | Utah | SLC |
| Los Angeles International Airport | Los Angeles | LAX |
| Miami International Airport | Miami | MIA |
| Dallas/Fort Worth International Airport | Dallas/Fort Worth | DFW |
| Seattle-Tacoma International Airport | Seattle | SEA |
| Denver International Airport | Denver | DEN |
Must-Know Travel Facts for Your USA Trip
Transportation in USA
- Budget Travel: Use Greyhound or Megabus for affordable intercity bus rides. Book via official websites or mobile apps.
- Train Travel: Travel across scenic routes with Amtrak trains. Book tickets from the official website or at stations.
- Luxury Travel: Rent a car through Hertz, Enterprise, or Avis. Book online for better deals. Domestic flights can also be booked on Expedia or Kayak.
- City Transport: Use metros like New York's MTA or Chicago's CTA for local travel. Ride-sharing apps like Uber and Lyft are widely available.
- Ticket Booking: Most transport tickets can be booked online or through apps easily.
Best International SIM Cards in USA
- T‑Mobile Prepaid eSIM: Offers 30 days of unlimited talk, text, and data starting around $50, available via their app. Supports 5G.
- Holafly eSIM: Convenient for short or long trips; activate online, no physical SIM needed.
- AT&T or T‑Mobile physical prepaid SIMs: Available at airports, stores, or online; prices range from $10 to $60 for a 30-day validity, depending on data needs.
Local Phrases to Learn Before Visiting the USA
While English is widely spoken in the USA, picking up a few local phrases can help you connect better. Phrases like “What’s up?”, “You’re good!” and “Have a nice day” are common in daily conversations. Knowing basic English is helpful for navigating airports, restaurants, shopping, and public transport with ease.
Travelling with Kids in the USA
Kids-Friendly Restaurants
The USA offers a wide range of restaurants perfect for families with children. Popular options include Chuck E. Cheese for pizza and games, Rainforest Café with its jungle theme, and IHOP for pancakes and kid-friendly meals. Many restaurants offer high chairs, kids' menus, and colouring activities to keep children entertained.
Shopping for Kid's Items
Finding kids’ essentials is easy in the USA. Stores like Target, Walmart, and Carter’s offer a wide selection of clothes, toys, books, and baby supplies. You can also visit Disney Stores for themed merchandise or check out outlets and malls for great deals on branded kidswear.
Kids-Friendly Attractions
The USA has many attractions for kids. Theme parks like Disneyland, LEGOLAND, and Universal Studios are favourites. Zoos in San Diego and Washington, D.C., are perfect for animal lovers. Children’s museums and aquariums across cities offer interactive fun and learning.
Popular Activities You Can Take Part in the USA
Popular Activities You Can Take Part in the USA
Knowing the things to do and places to visit in the USA can help you plan your itinerary well. It enables you to make the most of your time in the States. You can have countless experiences and visit several places to enrich your tour.
Relax on the Miami Beach
If you are a beach lover, visiting Miami Beach is a must. You can do many activities such as surfing, swimming or jet skiing on the crystal clear waters. The white sand beach is also a fantastic place to relax or simply get some tan.
Experience Hollywood
Among the best things to do right now in the USA is to experience Hollywood in Los Angeles. When in the USA, you must make the most of the opportunity to witness the glamour and stardom of the city. Taking some quirky pictures can serve as a lifelong memory from your visit.
Visit the Washington DC Museums
If you love exploring museums, soaking up knowledge and historical facts, then Washington, DC, is the place for you. Some of the noteworthy museums are the National Museum of American India, the International Spy Museum, the National Portrait Gallery, etc.
Explore the National Park
National Parks are among the best places to visit. Some of the best things you can do are walk around the Grand Canyon, explore the gigantic redwoods, or enjoy the tunnel view at Yosemite National Park.
Currency in USA
The official currency in the USA is the United States Dollar (USD). It is commonly represented by the $ symbol. Credit cards and digital payments are widely accepted across the country.
Where to Stay in USA
- Budget travellers can choose motels or economy hotels like Motel 6, Super 8, or hostels. Rural area rates typically start around $45 per night; city prices often begin at $80.
- Mid‑range accommodations include trusted hotel chains such as Days Inn, La Quinta, Holiday Inn Express, and Marriott. Prices usually fall between $100 and $300 per night, offering clean rooms and essential amenities.
- Luxury stays feature high‑end hotels, historic lodges, or resorts with full service, spas, and unique experiences. Expect to pay $300 to $1,000+ per night in major cities.
How to Get A Visa for a USA Trip
Fill out the online Form DS‑160 for a non-immigrant visa.
Pay the applicable visa application fee and schedule an interview at a US Embassy or Consulate in India.
Gather required documents - passport, photo, financial proof, travel plans, and attend the visa interview.
For details, visit the official US Embassy India site.
Read More - USA Visa for Indians
Travel Documents Needed for USA
- A valid passport with at least six months’ validity beyond your return date.
- A US visa (e.g., B‑1/B‑2) or ESTA (if eligible under the Visa Waiver Programme).
- DS‑160 confirmation page and the visa interview appointment receipt.
- Flight tickets, hotel/reservation proofs, and travel insurance documents.
- Itinerary with contacts and addresses.
Read More - USA Travel Documents
Indian Embassy in USA - Address & Contact
| Embassy Office | Address | Working Hours |
|---|---|---|
| Indian Embassy in the United States of America, Washington DC | Chancery-I 2107 Massachusetts Avenue, NW, Washington, DC 20008 | Monday to Friday, 9:30 AM to 6 PM (EST) |
| Consulate General of India, New York | 3, East 64th Street, New York, NY 10021 | Monday to Friday, 9:30 AM to 6 PM (EST) |
| Consulate General of India, Chicago | 455 North City Front Plaza Dr. Suite No. 850, Chicago, IL 60611 | Monday to Friday, 9:30 AM to 6 PM (EST) |
| Consulate General of India, Houston | 433 Scotland Street, Houston, Texas-77007 | Monday to Friday, 9:30 AM to 6 PM (EST) |
| Consulate General of India, Atlanta | 5549 Glenridge Drive NE, Atlanta, GA-30342 | Monday to Friday, 9:30 AM to 6 PM (EST) |
| Consulate General of India, Seattle | 3101 Western Avenue, Suite 700 Seattle, WA 98121 | Monday to Friday, 9:30 AM to 6 PM (EST) |
Travel Tips for Indian Nationals to USA
Travelling to the USA is generally considered safe for travellers. However, being aware of crucial tips for traveling to the USA can make your visit a better and memorable one.
- Avoid touring places that are poorly lit and have fewer crowds, as it may lead to unnecessary trouble.
- Stay alert about your surroundings and avoid carrying large amounts of cash with you.
- Sign up for your country’s Embassy for travel alerts. It will help you to stay updated on any disasters or local problems that may arise.
- Make a note of the local emergency numbers. The countrywide emergency contact number in the USA is 911.
- Know your visa limit and avoid staying over the stipulated time to avoid legal trouble.
- Carry adaptors on your trip, as the plugs used in the US are 110 AC and are two-pronged.
- Smoking in indoor areas is strictly prohibited. You must not smoke in restaurants, pubs, clubs, etc.
- One must be at least 21 years old to drink or buy alcohol in the USA, as per the law. You may have to furnish your age proof to be served or to buy alcohol.
- Precautions to take while traveling to the USA also include having travel insurance USA single trip or multi-trip, to save yourself from bearing huge medical bills.
USA Travel Advisories
- The US Embassy in India warns against overstaying your visa; doing so can lead to deportation or a permanent ban on re‐entry.
- Some travel agencies in India have faced visa bans for facilitating illegal migration; always use only reliable, licensed agencies.
- India is not part of the US Visa Waiver Programme; a regular visa is required for travel.
Conclusion
Travelling to the United States is an enriching experience, but being prepared is equally important. With healthcare costs in the USA being significantly high, it is wise to secure a solid foreign travel insurance plan before you board your flight.
Whether it is medical emergencies, lost baggage, trip delays, or passport issues, the right travel insurance USA plan ensures you are protected at every stage of your journey. TATA AIG offers extensive coverage options, add-ons, and 24/7 support to make your travel memorable.
You can now buy travel insurance online in just a few clicks, compare plans, and get instant policy delivery. So, travel smart, stay covered, and enjoy every moment of your American adventure with complete security. Safe travels!
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
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