Acko General Insurance Limited Key Terms - Group Domestic Travel Product

GoCars Terms & Conditions

This is a summary of the key terms under the Group Domestic Travel Product (“Policy”) offered by Acko General Insurance Limited (“Acko”) to Ibibo Group Private Limited (“Goibibo”, “Go Cars”). The covers available under the Policy can be availed by registered/non-registered users/ customers on the Goibibo platform (website or mobile application) by selecting the option of trip insurance to insure their Go Cars trip while booking the cab (“booked cab”) with Goibibo.

The insurance cover under the Policy will be applicable only to the trips booked through the Goibibo platform. The Insurance cover under the Policy starts when customer boards the cab and starts the trip and lasts till the customers alights from the cab and ends the trip (max. coverage period of 3 days for one-way trip). The customer is covered only when he/she is travelling in the booked cab or his baggage or laptop loss happens while the baggage is there in the booked cab, subject to other terms and conditions under the policy.

1. Key Benefits

Key benefits available under the Policy for all travellers up to the number of valid seats in the car (except driver) as specified in the Certificate of Insurance:

Coverage	Sum Insured (INR)	Additional Conditions
Accidental Death Benefit or Permanent Total Disability and/or Permanent Partial Disability	7,50,000
Accidental Medical Expense Reimbursement	1,00,000
OPD Treatment	5,000
Hospital Daily Allowance	500 per day (Max. 3,500)	Min. days of Hospitalization: 1 Max. days of Hospitalization: 7
Loss of Baggage and Personal Effects or Electronic Equipment Cover	20,000	Under Electronic Equipment Cover only theft of Laptop is covered
Compassionate Visit	10,000
Emergency Hotel Requirement	10,000
Trip Delay	600	200 (one-way) and 300 (round trip) for delay between 30 minutes to 1 hour. 500 (one way) and 600 (round trip) for delay of more than 1 hour. Not covered for delay less than 30 minutes.

Special Conditions:

1. Loss of Baggage and Personal Effects is covered only if the same has been lost during the trip from the booked cab and not otherwise. This cover exclude laptop or any other electronic equipment.
2. Electronic Equipment Cover provides coverage only for Laptop if same has been stolen during the trip from the booked cab and not otherwise.
3. Trip Delay is only applicable if the booked cab arrived late from its scheduled arrival time at the scheduled location. Trip delay due to any other reason is not covered here. This benefit is paid on per trip basis and is not dependent on the number of passengers travelling.

2. General Conditions:

• The claim will not be permissible in case the number of passengers (including driver) is more than the seating capacity of the vehicle.
• Loss of Baggage and Personal Content does not cover any Valuables, Money, Securities, Jewellery, Tickets and Electronic items. It provides cover only for loss or complete damage of the items, and not any partial damage.
• We should be given immediate written notice of any event that may give rise to a claim under the Policy, in accordance with the claims procedure under the Policy;
• All claims made under the Policy will be subject to the applicable deductible, any sub-limits and the availability of the Sum Insured.
• The Policy does not cover any contractual and consequential liability, except as covered in the Policy or the Certificate of Insurance issued to the customer.

3. General Exclusions:

We shall not be liable to make any payment for any claim under the Policy in respect of an Insured Person, directly or indirectly for, caused by, arising from or in any way attributable to any of the following, except where provided to the contrary under any Benefit(s) within the Policy:

1. Suicide or attempted suicide, intentional self-inflicted Injury or acts of self-destruction, whether the Insured Person is medically sane or insane.
2. Medical or surgical treatment except as necessary solely and directly as a result of an Accident.
3. Certification of disability by a Medical Practitioner who shares the same residence as the Insured Person or who is a member of the Insured Person’s family.
4. Death, disability or illness directly or indirectly caused by or associated with any venereal disease or sexually transmitted disease.
5. Death, disability or illness resulting directly or indirectly, contributed or aggravated or prolonged by childbirth or from pregnancy or a consequence thereof including ectopic pregnancy unless specifically arising due to Accident.
6. Death, disability or illness caused by participation of the Insured Person in any flying activity, except as a bona fide passenger on a public aircraft, which is operating under a valid license from the relevant authority for the transportation of passengers.
7. Death, disability or illness or Injury 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 contributing concurrently or in any other sequence to the loss, claim or expense from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack.
8. Any journey where the Insured Person is travelling as a commercial driver, operator or crew member in, or carrying out any testing or repairs on a Common Carrier.
9. Any intentional illegal or unlawful act or confiscation, detention, destruction by customs or other authorities or any breach of government regulation.
10. Any failure to take reasonable precautions to avoid a claim under the Policy following a mass media or government issued warning.
11. Any event arising from or caused due to use, abuse or a consequence or influence of an abuse of any substance, intoxicant, drug, alcohol or hallucinogen.
12. Any breach of law or participation of the Insured Person in an actual or attempted felony, riot, crime, misdemeanour or civil commotion with criminal intent.
13. Any act of foreign invasion, act of foreign enemies, hostilities, warlike operations (whether war be declared or not or while performing duties in the armed forces of any country during war or at peace time), and participation of the Insured Person in any naval, military or air-force operation, civil war, public defence, rebellion, revolution, insurrection, military or usurped power.
14. Engaging in any Hazardous Activities, testing of any kind of Common Carrier, engaging in manual work during a journey, engaging in any offshore work activity, mining, tunnelling or any work involving electrical installation with high tension supply, aerial photography, ammunition, explosives, firearms or flight duty, except as a fare-paying passenger.
15. Any journey commenced when You are not fit to travel or are travelling against the advice of a Medical Practitioner.
16. Chemical attack or weapons means the emission, discharge, dispersal, release or escape of any solid, liquid or gaseous chemical compound which, when suitably distributed, is capable of causing any Illness, incapacitating disability or death.
17. Biological attack or weapons means the emission, discharge, dispersal, release or escape of any pathogenic (disease producing) microorganisms and/or biologically produced toxins (including genetically modified organisms and chemically synthesized toxins) which are capable of causing any Illness, incapacitating disability or death.
18. Any generally excluded non-medical expenses as provided in Annexure I of underlying Policy.

The following general exclusions as stated in the Policy will not apply to the customers of GoIbibo:

• Any change of profession after inception of the Policy which results in the enhancement of the risk under the Policy, if not accepted and endorsed by Acko on the insurance certificate or insurance.
• Any journey commenced to obtain medical care, treatment or advice of any kind whether is the sole purpose of customers journey or not.

Please note that this list is only indicative, and the full list of policy conditions and exclusions are available at: here

4. Claim & Documents:

Customer can file a claim for any of these coverages on Goibibo App, Goibibo Website, or the Acko Website. Alternatively, the customer can reach Acko at the Contact number provided below for registration of claim:

Acko: 1800 266 2256

Traveller needs to submit following documents in case of a claim:

• Hospital bills, prescriptions and discharge summary in case of medical treatments.
• Respective certificates & reports in case of death or disability.
• FIR in case of Loss of Baggage during the trip.
• Hotel and Ticket Bills in case of Compassionate Stay.
• Any other documentation that Acko may require upon intimation of claim.
• For payment we will require a cheque/ cancelled cheque from the claimant.

Claim Process for customers on the Goibibo App:

• Go to your Goibibo App and click the 'Trips' section which will open all your trips booked through Goibibo.
• Select the trip for which you want to claim insurance, which will take you to your trip detail page. Select the 'Claim Insurance' option which will direct you to the claims flow.
• Kindly follow the next few steps to tell us what happened and upload the relevant documents required for the particular claim.
• Click on Submit Claim and our claims team will contact you within 24 hours.

Claims process for customers on Acko Website:

• Go to www.acko.com and Login with your mobile number registered on Goibibo and enter the OTP you receive.
• Under the ‘Claims’ section, select ‘GoCars Trip Insurance’
• Select the trip for which you want to claim insurance, which will take you to the policy detail page. Click on Initiate Claim to claim.
• Select the type of claim, follow the next few steps, and your claim will be registered with Acko.

5. Benefit Definition

5.1 Accidental Death Benefit

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and Injury solely and directly results in the Insured Person’s death within 365 days from the date of the Accident, Acko will pay the Sum Insured.

5.2 Permanent Total Disability

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the Permanent Total Disability of the Insured Person which is of the nature specified in the table below, within 365 days from the date of the Accident, Acko will pay the Sum Insured:

Nature of Permanent Total Disability
Total and irrecoverable loss of sight in both eyes
Loss by physical separation or total and permanent loss of use of both hands or both feet
Loss by physical separation or total and permanent loss of use of one hand and one foot
Total and irrecoverable loss of sight in one eye and loss of a Limb
Total and irrecoverable loss of hearing in both ears and loss of one Limb/ loss of sight in one eye
Total and irrecoverable loss of hearing in both ears and loss of speech
Total and irrecoverable loss of speech and loss of one Limb/ loss of sight in one eye
Permanent, total and absolute disability (not falling under any one the above) which results in the Insured Person being unable to engage in any employment or occupation or business for remuneration or profit, of any description whatsoever which results in Loss of Independent Living

5.3 Permanent Partial Disability

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly results in the Permanent Partial Disability of the Insured Person which is of the nature specified in the table below within 365 days from the date of the Accident, Acko will pay the amount specified in the table below:

Nature of Permanent Partial Disability	Percentage of the Sum Insured payable
i. Total and irrecoverable loss of sight in one eye	50%
ii. Loss of one hand or one foot	50%
iii. Loss of all toes - any one foot	10%
iv. Loss of toe great - any one foot	5%
v. Loss of toes other than great, if more than one toe lost, each	2%
vi. Total and irrecoverable loss of hearing in both ears	50%
vii. Total and irrecoverable loss of hearing in one ear	15%
viii. Total and irrecoverable loss of speech	50%
ix. Loss of four fingers and thumb of one hand	40%
x. Loss of four fingers	35%
xi. Loss of thumb- both phalanges	25%
xii. Loss of thumb- one phalanx	10%
xiii. Loss of index finger-three phalanges	10%
xiv. Loss of index finger-two phalanges	8%
xv. Loss of index finger-one phalanx	4%
xvi. Loss of middle/ring/little finger-three phalanges	6%
xvii. Loss of middle/ring/little finger-two phalanges	4%
xviii. Loss of middle/ring/little finger-one phalanx	2%

5.4 Accidental Medical Expense Reimbursement

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly requires the Insured Person to be Hospitalized or undergo Day Care Treatment, then Acko will reimburse the costs incurred on Medical Expenses upto limit specified in Certificate of Insurance.

5.5 OPD Treatment

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly requires the Insured Person to undergo OPD Treatment for any of the treatments/tests/consultations specified in the Certificate of Insurance or for treatment of fractures, burns or Dental Treatment then Acko will reimburse the costs incurred on Medical Expenses.

5.6 Hospital Daily Allowance

If an Insured Person suffers an Injury due to an Accident that occurs during the Travel Period and that Injury solely and directly requires the Insured Person to be Hospitalized then Acko will pay the daily allowance amount specified in the Certificate of Insurance, for each continuous and completed period of 24 hours of Hospitalisation.

5.7 Loss of Baggage and Personal Effects

Acko will reimburse the actual loss upto the limit specified in the Certificate of Insurance incurred in relation to the permanent and total loss of the Insured Person’s luggage and personal possessions during the Travel Period.

5.8 Electronic Equipment Cover

Acko will reimburse the actual loss incurred up to the amount specified in the Certificate of Insurance in relation to the permanent and total loss of the Insured Person’s Portable Electronic Equipment due to any Accidental damage, loss or theft during the Travel Period.

Any amount payable under this Cover Benefit shall be adjusted for depreciation as per the percentage specified below:

AGE OF THE EQUIPMENT	DEPRECIATION % (ON INVOICE VALUE)
i. Not exceeding 1 year	20%
ii. Exceeding 1 year but not exceeding 2 years	40%
iii. Exceeding 2 years but not exceeding 3 years	50%
iv. Exceeding 3 years but not exceeding 4 years	60%
v. Exceeding 4 years	80%

5.9 Compassionate Visit

Acko will reimburse the amount incurred on tickets on a Common Carrier for an Immediate Relative of the Insured Person to travel to the place of Hospitalization of the Insured Person during the Coverage Period upto the limit specified in the Certificate of Insurance.

5.10 Emergency Hotel Requirement

Acko will reimburse the costs upto the limit specified in the Certificate of Insurance towards the stay of the Insured Person in a hotel due to the Insured Person or any Immediate Relative travelling with the Insured Person suffering Injury in an Accident or Illness or Hospitalization during the Travel Period.

5.11 Trip Delay

Acko will pay the amount specified in the Certificate of Insurance if an Insured Person’s journey on a Common Carrier is delayed beyond the number of hours specified in the Certificate of Insurance of its scheduled departure or scheduled arrival time, during the Travel Period.

5.12 Grievance Redressal

For resolution of any query or grievance, the You/Insured Person may write an e-mail at: gro@acko.com

In case the You/Insured Person is not satisfied with the resolution, the You/Insured Person may write to Our Grievance Redressal Officer at the following address:

Grievance Redressal Officer
2nd Floor, Acko General Insurance
36/5 Hustlehub One East, Somasandrapalya ,
27th Main Rd, Sector 2, HSR Layout,
Bengaluru, Karnataka 560102
gro@acko.com

In case Your complaint is not fully addressed by Us, You may use the Integrated Grievance Management System (IGMS) for escalating the complaint to IRDAI. Through IGMS, the insured can register the complaint online and track its status. For registration, please visit IRDAI website www.irdaindia.org.

If the issue still remains unresolved, You/Insured Person may, subject to vested jurisdiction, approach the Insurance Ombudsman for the redressal of grievance.

Please note that this is only a basic description of the key terms of the Policy.

Once you have opted for cover, you will receive a Certificate of Insurance from Acko which will contain complete details of your cover under the Policy, and the applicable conditions and exclusions.