Trekking Insurance Policy

Trekking Insurance Policy

Premium

• Daily Premium Rate: ₹{{PRICE}} per day
  

Coverage Summary

Policy Conditions

• A valid photo ID and date of trek confirmation are required for claim eligibility.

   

• Eligibility: This policy is applicable only to individuals pre-registered for trekking or adventure activities under x metre altitude, officially booked via Pahadi Treks.

   

• Definition of Adventure Activities: These include only those activities booked officially, conducted under professional supervision, and conforming to all relevant regulations.

   

• Coverage starts from Day 1 of the itinerary and ends on the last day of the itinerary booked with Pahadi Treks.

   

• This rate is not valid for mountaineering, even if below x metre.

   

Enrolment Process

• The list of registered participants is submitted daily by Pahadi Treks to {{INSURANCE_PROVIDER}}.

   

• To initiate a claim, the following are mandatory:

   

  • Indemnity bond

     

  • Original booking receipt

     

  • Valid photo ID

     

  • Proof of registered activity

     

  • Evidence that the event occurred during the insured itinerary

     

Claim Procedure

• In case of an incident, the client must:

   

  1. Inform {{INSURANCE_PROVIDER}} immediately

      

  2. Pahadi Treks will confirm eligibility

      

  3. The claim must be filed directly with {{INSURANCE_PROVIDER}}, along with all required documents

      

• Maximum liability of {{INSURANCE_PROVIDER}} is capped per individual UHID (Unique ID).

   

• Claims must be reported within 7 days of the incident.

   

• All supporting documentation must be submitted within 30 days.

   

• No premium refund for deletions post activity commencement.

   

• Premium is charged on a per-trip basis, and endorsements are applicable only from the date of addition.

   

Exclusions

This policy does not cover:

• Suicide or self-inflicted injuries

   

• Mental health issues, stress, or STDs

   

• Substance abuse or intoxication-related incidents

   

• Criminal acts or breaches of law

   

• Pregnancy or childbirth-related complications

   

• Professional sports-related incidents

   

• Participation in racing or motor-sport events

   

• Aviation-related activities (except fare-paying passengers)

   

• Underground mining or tunneling work

   

• Nuclear, radioactive or radiation exposure

   

• Pre-existing medical conditions (declared or not)

   

• Flight delays, cancellations, or rescheduling

   

• Evacuation without prior approval

   

Age eligibility: x to y years
Note: This policy is valid only for Indian nationals or expats working in India.

Limitation of Liability

Pahadi Treks and {{INSURANCE_PROVIDER}} shall not be liable for any loss due to:

• Delay in evacuation, hospital admission, or medical treatment

   

• Any incident arising from unforeseen or uncontrollable events

   

Pahadi Treks acts only as a facilitator. Final decisions on claims rest solely with {{INSURANCE_PROVIDER}}.

Cancellation Policy

• 100% refund if cancelled 7+ days before trek start

   

• 20% cancellation fee if cancelled within 3–6 days

   

• 30% cancellation fee if cancelled within 48 hours

   

• No refund for cancellations after trek has begun

   

Terms and Conditions

1. Misrepresentation & Fraud

In case of fraud, negligence, or misrepresentation by the proposer, {{INSURANCE_PROVIDER}} is not liable, and the proposer will be held responsible for all resulting consequences and costs.

2. Accuracy of Information

Clients are solely responsible for submitting correct information. Inaccurate details may lead to loss of coverage, with {{INSURANCE_PROVIDER}} bearing no responsibility.

3. Force Majeure

Neither party will be liable for non-performance caused by events beyond control (natural disasters, government restrictions, etc.). Such delays or failures will not be considered breaches of this agreement.

4. Severability Clause

If any clause in these Terms is found invalid or unenforceable, the remaining provisions will continue to apply.

5. Jurisdiction

All legal matters shall be governed under Indian law, with exclusive jurisdiction in the Hon’ble High Court of New Delhi and its subordinate courts.

Emergency Contact Numbers

Important Note

Pahadi Treks is not an insurance provider. All insurance-related claims are handled and approved exclusively by {{INSURANCE_PROVIDER}}. However, we remain committed to assisting clients throughout the claim process.