Trekking & Adventure Insurance

2. Plan Conditions

2.1 Documentation at the Time of Claim

Date of joining confirmation, valid photo identification, original booking receipt and other documents required by the insurer must be submitted at the time of making a claim.

2.2 Eligibility for Coverage

• Coverage is available exclusively to individuals who have officially registered and booked trekking and adventure packages through Himalayan Hikers for eligible treks below 6,000 metres.
• Coverage shall remain valid only for the duration of the officially booked itinerary, subject to the terms and conditions of the insurance policy.

2.3 Definition of Adventure Activity

Adventure activity means any trekking or adventure activity undertaken by a registered customer after officially booking the package with Himalayan Hikers, following the applicable rules and regulations and under the supervision of designated staff.

• Insurance coverage shall commence on the first day of the Himalayan Hikers itinerary and terminate on the final scheduled day of the itinerary.
• This premium rate is applicable only to eligible treks below 6,000 metres. It does not apply to mountaineering activities at any altitude, whether below or above 6,000 metres.

2.4 Enrolment and Registration

• Himalayan Hikers shall maintain records of all registered participants and submit the required enrolment information to the insurer as agreed.
• In the event of an accident or claim, the participant's registration and eligibility shall be verified against the records submitted to the insurer.

The following documents may be required:

• Original booking receipt.
• Valid government-issued photo identification.
• Proof of registration and participation in the trek.
• Indemnity bond, where applicable.
• Evidence that the incident occurred during the covered activity.
• Medical reports, hospital bills and other claim-related documents required by the insurer.

2.5 Claim Process

• In the event of an accident or medical emergency, the participant must inform ASC360 and Himalayan Hikers as soon as possible.
• Himalayan Hikers shall assist in verifying the participant's registration and itinerary details. The participant must submit the claim to the insurer along with all required documents.
• The insurer shall assess the claim and make the final decision in accordance with the applicable policy terms and conditions.
• The insurer's total liability for each insured participant shall not exceed the applicable sum insured linked to a single UHID/Unique ID, irrespective of the number of UHIDs/Unique IDs under which the participant may be insured.

2.6 Premium and Endorsements

• The insurance premium shall be charged on a per-trip basis according to the participant details declared by Himalayan Hikers and accepted by the insurer.
• No premium refund shall be payable for deletions made after commencement of the activity, subject to the applicable insurance policy terms.
• Any addition or endorsement shall be effective from the approved date of addition and shall not apply retrospectively from the policy inception date.

2.7 Claim Intimation Deadline

All claims must be intimated within seven days of the occurrence of the incident. The required paperwork must be completed within 30 days from the date of the incident, subject to the insurer's applicable terms and conditions.

Failure to comply with these deadlines may affect the admissibility of the claim.

3. Exclusions

The following situations are excluded from coverage, subject to the final wording of the insurance policy:

• Suicide, attempted suicide or intentional self-inflicted injury.
• Sexually transmitted conditions and mental disorders, including anxiety, stress or depression, where excluded by the policy.
• Being under the influence of drugs, alcohol, intoxicants or hallucinogens.
• Participation in an actual or attempted felony, riot, civil commotion or criminal offence.
• Breach of applicable law with criminal intent.
• Death or disability resulting from pregnancy or childbirth.
• Professional sports team participation in respect of benefits relating to inability to perform.
• Participation in motor speed contests.
• Aviation-related incidents while engaged in aviation or boarding, dismounting from or travelling in an aircraft, except where expressly covered under the policy.
• Underground mining and activities involving contractors specialising in tunnelling.
• Radioactivity, nuclear risks and ionising radiation.
• Pre-existing diseases, whether declared or undeclared, as specified in the policy.
• Flight-related cancellations, rescheduling and delays.
• Medical evacuation without the required prior approval, except where permitted under applicable policy provisions.
• Mountaineering activities not covered under the applicable insurance arrangement.

This insurance arrangement is intended exclusively for eligible clients of Himalayan Hikers and is limited to Indian nationals and expatriates working in India, subject to the insurer's eligibility conditions.

Age Eligibility: Minimum 1 year and maximum 70 years, subject to the approved policy terms.

4. Medical Evacuation

• Medical evacuation by air or road is subject to the applicable policy conditions, the available sum insured and the required authorisation from the insurer or designated assistance provider.
• Participants must contact the designated emergency assistance service as soon as reasonably possible in the event of an emergency.

5. Limitation of Liability

• Himalayan Hikers facilitates trekking and adventure activities and assists participants in communicating with the designated insurer and assistance provider.
• Himalayan Hikers shall provide reasonable assistance with incident reporting, registration verification and claim documentation.
• Insurance claims shall remain subject to the insurer's policy terms, conditions, exclusions and final assessment.
• To the extent permitted by applicable law, Himalayan Hikers shall not be responsible for losses arising from circumstances beyond its reasonable control, including delays in evacuation, hospital admission or medical treatment, except where liability cannot lawfully be excluded.
• The liability of the insurer, assistance provider and Himalayan Hikers shall be determined in accordance with their respective contractual obligations and applicable law.

6. Cancellation Policy

The following cancellation charges apply, subject to the confirmed booking and insurance terms:

• Cancellation requests made 49–72 hours before the event must be handled according to the applicable booking terms.
• Insurance premiums may be non-refundable after coverage commences, depending on the insurer's approved policy conditions.

7. General Terms and Conditions

7.1 Misrepresentation and Fraud

• Providing false, misleading or incomplete information may result in rejection of an insurance claim or other consequences under the applicable policy and law.
• Himalayan Hikers shall not be responsible for losses arising from fraudulent or intentionally misleading information supplied by a participant, except where responsibility is imposed by applicable law.

7.2 Correct Particulars

• Participants are responsible for providing accurate personal details, identification documents and booking information.
• Himalayan Hikers shall take reasonable care when collecting and submitting participant enrolment information.

7.3 Force Majeure

Neither party shall be held responsible for a failure or delay caused by circumstances beyond its reasonable control, to the extent permitted by applicable law and the relevant agreement.

7.4 Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue to apply to the extent permitted by law.

7.5 Governing Law and Jurisdiction

These terms shall be governed by the laws of India. Disputes shall be subject to the jurisdiction of the courts competent under applicable law and the relevant agreement.

8. Emergency Contact Numbers

For emergency assistance, medical support and claim-related enquiries, please contact:

Participants should verify the availability of these contact numbers before commencing their trek.

9. Important Notice

• Himalayan Hikers facilitates trekking and adventure activities and assists participants in contacting the designated insurer and assistance provider. Himalayan Hikers is not an insurance company unless separately authorised and licensed to act in that capacity.
• In the event of a claim, participants must contact the designated assistance provider and insurer. Himalayan Hikers shall provide reasonable support throughout the claim process.
• The final decision regarding claim admissibility, settlement and payment rests with the insurer in accordance with the issued policy.