Insurance Terms and Conditions

Below is the product, terms and exclusions of the combo product. This information has to be used to inform the customer about the additional benefit they would get while purchase of the apparel. We can list down the 5 points to be shown to attract customer and compare it with the points you collate from this info and find the most suitable content to move forward with.

Also exclusions, terms can be looked at being incorporated somewhere in your website under T&C.

Important Terms & Conditions

1> Only Available for those customers who have paid equal to or greater than 1999 while placing the order.For Ex:- XYZ - Discount =>1999,where XYZ is the Cart Value and 1999 is the amount paid by the customer after discount.

2> Age of Entry: 18 – 50 years

3> Policy Tenure: 1 Year

4> This has been proposed for a single life on a cross sell basis to the customers of Turmswear application, considering minimum 90,000 enrolments a year.

5> This policy is valid for Indian citizens who are making purchase of Turmswear apparel.

6> Customer can purchase only such policies through this apparel application. In case the customer is holding more than 1 policies purchased through this application, the total liability of ICICI Lombard would be capped to 3 times the benefit for Accidental Death and PA policies as covered in each policy. The coverage for VBD will be capped to benefits payable under 1 policy only. 

7> Specific Vector-Borne Disease would mean Dengue, Chickungunya, Kala Azar, Japanese encephalitis and Filariasis 

8> For the Hospitalization related benefits

     ->A minimum of 48 hours of Hospitalization is necessary for the benefit/s to be triggered

     ->An initial waiting period of 30 days is applicable from the commencement of the period of cover

9> The master policy term should be of (T+1) years (where T is the policy term for individual cover)

10> The master policy is to be renewed every year

11> The quote is subject to group formation as per the guidelines laid down by the regulator

12> For further details on the Terms & Conditions of the Policy, kindly refer the Policy Wordings

Exclusions:-

1> War, invasion, act of foreign enemy hostilities or warlike operations (whether war be declared or not) or civil commotion or rebellion, revolution, insurrection, mutiny, arrests, detainments of all kinds and political gatherings, engaging in aviation other than as a passenger (fare paying or otherwise) in any licensed standard type of aircraft. 

2> Any Injury sustained while performing duty in army, navy, air force, paramilitary force, police or any other such institution.

3> Any event which occurs whilst the Insured Person is operating or learning to operate any aircraft or common carrier, or performing duties as a member of the crew on any aircraft, or scheduled airlines or is engaging in aviation, or whilst the Insured Person is mounting into, or dismounting from or traveling in any balloon or aircraft other than as a passenger (fare-paying or otherwise) in any scheduled airline anywhere in the world.

4> Breach of law or while being involved in any unlawful activity.

5> Any Injury / Illness arising from intentional self- Injury, suicide or attempted suicide.

6> Any Injury / Illness arising whilst under the influence of alcohol or intoxicating drugs or substance abuse of any kind.

7> Any Injury / Illness occurring whilst working in underground mines or explosives magazines, or involving electrical installation with high tension supply, or as jockeys or circus personnel 

8> Any Accidental Injury / Illness directly or indirectly caused by venereal disease or insanity or mental, nervous or emotional disorder

9> Injury sustained whilst engaging in Adventure Sports (This exclusion shall not apply if Benefit A.1.6 is in force for the Insured Person) 

10> Any Injury that has occurred prior to the commencement of Policy of Cover whether or not the same has been treated, or medical advice, diagnosis, care or treatment has been sought.

11> Expenses incurred on eyeglasses, contact lenses, hearing aids and examination for the prescription or fitting thereof.

12> Any Illness, complication or ailment not arising out of or connected to Injury.

13> Payment of compensation in respect of death, disablement (whether of a permanent nature or of a temporary nature), Injury, Illness or Hospitalization of the Insured Person resulting directly from, or indirectly caused by, or contributed to or aggravated or prolonged by, childbirth or pregnancy or in consequence thereof. 

14> Payment of compensation in respect of death, disablement (whether of a permanent nature or of a temporary nature), Injury, Illness or Hospitalization of Insured Person due to animal or insect or reptile attack (For personal accident).

15> Death, disablement (whether of a permanent nature or of a temporary nature), Injury, Illness or Hospitalization arising from or caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or resulting from or from any other cause or event

Insurance is the subject matter of solicitations. The following program is curated by Centcart Insurance Broking Services Pvt. Ltd. (IRDA license 437) and underwritten by ICICI Lombard General Insurance Co. Ltd. IRDA Reg. no. 115.