Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeOverseas travel insurance covering emergency medical, evacuation, travel disruption, baggage and related travel risks.Effective 1 Jan 2024View source
The policy wording lists overseas emergency medical, evacuation, baggage and travel-event benefits for the insured trip.
- Source
- Star Travel Protect Insurance Policy — policy wording V.10/2024
- Page / section
- Policy schedule and benefit sections
- Accessed
- 31 Aug 2026
- Confidence
- high
InsurerStar Health and Allied Insurance Company Limited.Effective 1 Jan 2024View source
The official Star Travel Protect policy wording identifies Star Health and Allied Insurance Company Limited as insurer.
- Source
- Star Travel Protect Insurance Policy — policy wording V.10/2024
- Page / section
- Policy title and insurer identification
- Accessed
- 31 Aug 2026
- Confidence
- high
Star Travel Protect coverageStar Travel Protect covers overseas emergency medical expenses, medical evacuation, repatriation of mortal remains, accidental injury compensation, dental emergency after an accident, loss or delay of checked baggage, passport loss/replacement, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.View source
The official Benefits section lists the medical, travel disruption, baggage, passport and liability covers.
- Source
- Star Travel Protect Insurance Policy
- Page / section
- Benefits
- Accessed
- 23 Aug 2026
- Confidence
- high
Star Travel Protect eligibilityAny permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.View source
The official Eligibility section publishes residency, age and overseas-trip conditions.
- Source
- Star Travel Protect Insurance Policy
- Page / section
- Eligibility
- Accessed
- 23 Aug 2026
- Confidence
- high
Entry ageCurrent Star Health eligibility is 6 months to 80 years for citizens and PIO/
The current insurer page states 6 months–80 years; the linked 2026 prospectus supplies the age loading and cover restriction above 70/75.
- Source
- Star Travel Protect — Star Health current product page
- Page / section
- Eligibility Criteria; What's Included; Sum Insured Options
- Accessed
- 29 Aug 2026
- Confidence
- high
Key coverageEmergency medical expenses and evacuation, repatriation of mortal remains, personal accident, dental emergency after an accident, checked-baggage loss or delay, passport loss, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.View source
The benefits list on the current product page enumerates the medical, accident, baggage, passport, trip-disruption and liability protections.
- Source
- Star Travel Protect Insurance Policy
- Page / section
- Benefits
- Accessed
- 26 Aug 2026
- Confidence
- high
Published travel-cover sectionsThe page lists emergency medical expenses and medical evacuation, transportation or repatriation of mortal remains, dental emergency after an accident, loss or delay of checked baggage, loss or replacement of passport, trip cancellation, flight delay, missed departure or connection, personal accident, emergency consumables and third-party legal liability for bodily injury or property damage.View source
The official Benefits list enumerates medical, evacuation/repatriation, dental, baggage, passport, trip-disruption, personal-accident, consumables and third-party-liability protections.
- Source
- Star Travel Protect Insurance Policy
- Page / section
- Benefits
- Accessed
- 29 Aug 2026
- Confidence
- high
Travel-cover eligibilityA permanent resident of India above 6 months of age travelling abroad for work or leisure can take this overseas travel insurance.View source
The official Eligibility section states the permanent-India-resident, above-six-months and overseas work-or-leisure conditions.
- Source
- Star Travel Protect Insurance Policy
- Page / section
- Eligibility
- Accessed
- 29 Aug 2026
- Confidence
- high
Geographic limitsTwo destination choices are published: worldwide including the USA and Canada, or worldwide excluding the USA and Canada. The insured must be a resident of India travelling abroad for work, leisure or another permitted overseas trip purpose.Effective 21 May 2026View source
The prospectus expressly offers & Canada and worldwide excluding & Canada plan options.
- Source
- Prospectus — Star Travel Protect Insurance Policy (V.5/2026)
- Page / section
- Pages 3–4 — destination options and cover tables
- Accessed
- 29 Aug 2026
- Confidence
- high
Sum insured / coverFour medical-cover limits are published for each destination option: USD 50,000, USD 1,00,000, USD 2,50,000 and USD 5,00,000. The selected plan also sets separate accident, baggage, passport, delay, cancellation and liability limits.Effective 21 May 2026View source
The prospectus states four medical-cover limits under both destination options.
- Source
- Prospectus — Star Travel Protect Insurance Policy (V.5/2026)
- Page / section
- Pages 3–4 — complete cover-limit tables
- Accessed
- 29 Aug 2026
- Confidence
- high
Policy termThe policy is issued for the insured overseas trip, with published trip-duration bands from up to 4 days through 148–180 days. An extension may be requested before expiry on payment of additional premium and a good-health declaration; up to two extensions are permitted, for a maximum total coverage period of 360 days.Effective 21 May 2026View source
The prospectus permits two extensions and states 180 days initially, extendable by another 180 days (360 days in all).
- Source
- Prospectus — Star Travel Protect Insurance Policy (V.5/2026)
- Page / section
- Page 6 — policy extension; Page 5 — trip-duration bands
- Accessed
- 29 Aug 2026
- Confidence
- high
PremiumPremium varies by destination, plan (USD 50,000/
The brochure labels the table “Premium in Rs. Including tax @ 18%” and publishes 13 trip-duration bands for each plan and age band.
- Source
- Brochure — Star Travel Protect Insurance Policy (V.12/2026)
- Page / section
- Pages 6–7 — complete premium tables
- Accessed
- 29 Aug 2026
- Confidence
- high
Key exclusionsMajor exclusions include travelling against medical advice; treatment for a pre-existing condition; travelling to obtain medical treatment; winter sports or dry ski slopes; manual work; riot/
The prospectus lists exclusions (a)–(y) and directs readers to the full policy conditions for the complete legal wording.
- Source
- Prospectus — Star Travel Protect Insurance Policy (V.5/2026)
- Page / section
- Pages 1–2 — exclusions
- Accessed
- 29 Aug 2026
- Confidence
- high
DeductibleThe published cover tables show a USD 100 deductible for emergency medical expenses, USD 25 for dental emergency under the USA/
Deductibles appear in parentheses beside the published cover limits; the Star Health page explains the deductible concept and USD 100 medical deductible.
- Source
- Prospectus — Star Travel Protect Insurance Policy (V.5/2026)
- Page / section
- Pages 3–4 — cover limits and deductibles
- Accessed
- 29 Aug 2026
- Confidence
- high
Claim documentsA claim form must be completed within 30 days of returning home. The policy lists claim-specific evidence including KYC, original medical bills and discharge documents, police/
The policy identifies the 30-day post-return claim-form deadline and then lists the minimum supporting documents by benefit section.
- Source
- Star Travel Protect Insurance Policy — policy wording V.10/2024
- Page / section
- Pages 21–22, section 19 Making a Claim
- Accessed
- 31 Aug 2026
- Confidence
- high
Travel claim notificationIn-patient hospital, clinic or nursing-home expenses must be notified to and authorised by the assistance company within 48 hours of admission. Medical services above US$100 require prior approval. Theft or robbery must be reported to police or the appropriate authority within 24 hours.Effective 1 Jan 2024View source
The policy states 48-hour hospital notification, prior approval above $100 and a 24-hour police-report requirement for theft or robbery.
- Source
- Star Travel Protect Insurance Policy — policy wording V.10/2024
- Page / section
- Pages 6, 8 and 21; sections 1, 19 and General Conditions
- Accessed
- 31 Aug 2026
- Confidence
- high
Benefits and features
- Emergency medical expenses and evacuation, repatriation of mortal remains, personal accident, dental emergency after an accident, checked-baggage loss or delay, passport loss, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.
Eligibility
- Any permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Claim form submitted within 30 days of returning home
- identity and address proof of the proposer
- For emergency medical claims: original hospital bills and receipts, original discharge certificate, hospital/chemist cash memos with prescription, pathology reports and attending-doctor recovery certificate
- For mortal-remains transportation: official death certificate and physician’s statement of cause of death
- For emergency medical transportation: qualified registered physician’s medical statement and original expense bills/receipts
- For dental emergency: bills, vouchers or reports detailing the tooth and treatment
- For personal accident: police report, death certificate where applicable, original bills/vouchers/reports/discharge summary and post-mortem report where applicable
- For checked-in baggage loss: carrier Property Irregularity Report, airline compensation letter and proof of value for items over $100
- For delayed baggage: original emergency-purchase bills and airline report showing baggage arrival date and time
- For personal liability: incident details and proof of the court’s judicial decision
- For aircraft hijacking: proof of travel and newspaper or other proof of hijacking
- For trip cancellation/interruption: official cause documentation, unused-ticket proof, invoices, payment proof, supplier refunds and non-refundable-cost confirmation
- For missed departure/connection or flight delay: airline confirmation of reason/times and original additional-expense bills
- For loss of passport: police report, expense statement for emergency passport/travel documents and original bills
Related official documents
Star Travel Protect Insurance Policy — official Bank of Baroda product pageofficial-product-page · current · accessed 29 Aug 2026
↗Star Travel Protect Insurance Policy — Bank of Baroda product pageofficial-product-page · current · accessed 29 Aug 2026
↗Brochure — Star Travel Protect Insurance Policy (V.12/2026)official-insurer-document · current · accessed 29 Aug 2026
↗Star Travel Protect — Star Health current product pageofficial-insurer-product-page · current · accessed 29 Aug 2026
↗Policy wording — Star Travel Protect Insurance Policy (V.10/2024)official-insurer-document · linked-policy-wording · accessed 29 Aug 2026
↗Prospectus — Star Travel Protect Insurance Policy (V.5/2026)official-insurer-document · current · accessed 29 Aug 2026
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