Sterling now launches the first of it's kind comprehensive Holiday Insurance in India, powered by Digit Insurance. Vacation with your family or friends has never been this worry free! The cover benefits include Trip Cancellation, Loss of Baggage, Missed Connection, Personal accident and much more! Let our inaugural complimentary insurance, take that worry off your shoulder, so you can holiday differently!

    • Summary

    Here’s a short summary, covering all the important points you should know about this policy you buy on
    booking your travel with Sterling Holidays. Before we begin, you should know that for making a claim, all you
    need to do, is call us at
    1800-300-34448
    and we will guide you through. And as everything is digital, we won’t
    ask for hard copies of bills or proofs. Everything can be sent as a soft copy.
    9 amazing benefits for Sterling Holidays travellers
    Benefits
    What is covered
    What is not covered
    Soft copies
    needed for claim
    You get a refund for the
    losses you suffer
    when you cancel your trip including your
    non-refundable air tickets and hotel
    bookings.
    Maximum refund is ₹ 10,000.
    Cancellation can be due to an unfortunate
    incident with you or any of the people
    travelling with you, like, an emergency
    hospitalization or death, summon by a
    judicial authority, natural disaster, riot
    in your departure or arrival destination or
    Govt.’s advisory not to travel.
    Hospitalization due to a
    disease or condition you
    had before booking the trip.
    Any other loss due to
    cancellation, e.g. Missing
    a meeting resulting in
    monetary loss, won’t be
    covered.
    If cancellation is done
    by the airline or Sterling
    Holidays,
    we will not refund
    the flight ticket or hotel
    booking charges.
    You will be refunded by the
    airline or Sterling Holidays
    themselves.
    Medical certificate (if
    applicable).
    Other trip related
    booking document.
    Trip cancellation
    POLICY SUMMARY
    Digit-On-The-Move Group Policy
    UIN:
    GODTGOP18045V011718
    Benefits
    What is covered
    What is not covered
    Soft copies
    needed for claim
    Flight was on time but baggage took ages
    to come? You get
    ₹2,000
    if the arrival of
    your Checked-In Baggage is
    delayed by
    more than 6 hours.
    Delay due to any detention
    or checking of baggage by
    public authorities.
    Example: If your bag gets
    checked by the customs
    and that causes the delay.
    Baggage tag receipts,
    receipts that are stuck
    to your boarding pass.
    Baggage delay
    confirmation from the
    airline.
    Delay in checked-in
    baggage
    Packed up your best for the trip, only to
    lose it?
    We can’t get all your stuff
    back but we can give you
    ₹10,000,
    if you
    permanently lose your baggage.
    You can claim a benefit on pro-rata basis.
    e.g. if you checked-in
    three bags
    and
    one
    was lost, we will pay you
    one-third of the
    ₹10,000
    of this cover as specified in the
    policy schedule.
    This will only apply if the
    entire bag is lost.
    Baggage tag receipts.
    While taking
    your boarding pass,
    always check if the
    staff has attached
    your checked-in bag
    receipt
    Report from airline
    about the loss.
    Total loss of
    checked-in baggage
    You carry expensive stuff while on a
    travel, say a luxury bag or a camera. In
    case it is stolen, we compensate you for
    the same.
    The maximum amount we can
    compensate for is
    ₹25,000
    .
    This doesn’t cover things
    like credit cards, ATM cards,
    jewellery, passports, money
    or any other currency.
    FIR
    of the loss to be
    filed within
    24 hours
    of the incident.
    Loss of baggage and
    personal belongings
    You get
    a maximum of ₹10,000 if you
    miss a connecting flight
    due to a delay in
    your previous flight.
    Time gap less than 3 hours
    between the scheduled
    arrival of incoming flight
    and scheduled departure
    of connecting flight is not
    covered.
    Delay confirmation by
    airline.
    Missed connection
    If you have an accident while you are
    boarding, de-boarding or are on the flight
    and it results into a
    disability or death,
    we
    pay you or your nominee a certain amount
    of money as compensation.
    The maximum amount is ₹3,00,000.
    And this also compensates in case there
    is a
    disappearance of the traveller due to a
    forced landing of the flight.
    This doesn’t reimburse any
    hospital bills.
    Medical certificate
    (where applicable).
    Disability certificate
    from the doctor (where
    applicable).
    Accidental death &
    disability (Common
    Carrier)
    Benefits
    What is covered
    What is not covered
    Soft copies
    needed for claim
    If you have an accident during your
    trip
    and it results into a disability
    or death, we pay you or your nominee
    a certain amount of money as
    compensation.
    The maximum amount is ₹3,00,000.
    Same as above
    Same as above
    Personal accident
    The above two compensate you in case
    of death or disability. This one refunds
    your hospital bills for any emergency
    treatment
    due to an accident during your
    trip.
    Maximum refund can be ₹1,50,000.
    For
    OPD (Out patient deptt.) bills,
    Maximum refund is for
    ₹15,000
    .
    OPD
    includes medical consultations, expert
    opinions and allied consultations like
    physiotherapy.
    Cost of any non-emergency
    treatment like tests that are
    not related to your injury.
    Plastic or cosmetic surgery
    unless needed as a medical
    emergency.
    Hospital bills.
    FIR in case of any
    road accident.
    Emergency
    accidental treatment
    and evacuation
    If due to an unfortunate incident, there are
    any legal charges against you while you
    are on the travel,
    we can cover you for a
    maximum of ₹1,00,000.
    The incident should have
    occurred during your travel
    only.
    The loss could include
    instances like death or
    disability of an injured
    person or damage to a third
    party’s property including
    any property you have
    rented for your travel .
    The third party should have
    sued you during or at max
    60 days after your travel.
    Proof of payment
    towards the expenses.
    Copy of
    Court award
    or order, and the
    bail
    bond
    submitted.
    Personal Liability &
    Bail Bond
    Note:
    In case you wish to know more, you can call us at
    1800-300-34448 or mail us at
    hello@godigit.com.
    Also in case you miss telling us the names of the people travelling with you, we will only be able to cover them for any loss, damage or
    accident occurring while they are within the Sterling Holidays Resort premises only.
    People don’t take trips, trips take people!
    Go Digit General Insurance Limited Address: 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095. IRDAI
    Regn. No. 158 CIN: U66010PN2016PLC167410. For details on product T&C, please read sales brochure carefully before concluding sale.
  • Claims

  • Who do I contact in the event of a claim? How do I make a claim?

    You simply have to call Digit at 1800-300-34448.

  • I am a member of Sterling resorts; how will you compensate me in the event of a trip cancellation for the nights lost on my time share model

    In the event of Trip cancellation due to unfortunate incidents death/ hospitalisation of self/spouse/parents/children. We will pay for cost that the resort would have charged you as a normal customer of Sterling Resort for the number of nights you booked the resort. This is provided the resort has not reinstated the nights lost post your cancellation request which is subject to the Sterling Resort Cancellation Policy.

  • What proof documents are required for my claims?

    BENEFITS

    DOCUMENTS REQUIRED DURING CLAIMS

    Emergency Hospitalization Expenses for Injury

    • Discharge summary
    • Medical records
    • Bills and payment receipt
    • FIR (if third party involvement)

    Outpatient Expenses for Injuries

    • Treating Physicians Prescription
    • Medical Certificate
    • Medical records
    • Bills and payment receipt
    • FIR (If third party involvement)

    Repatriation of Remains

    • Death Certificate

    Medical Evacuation

    • Discharge summary
    • Medical records
    • Bills and payment receipt
    • Consent Form from the Patient/Customer
    • Medical Certificate from Hospital/Treating Physician

    Personal Accident

    • Preliminary medical report describing the nature and extent of all injuries and diagnosis
    • Death certificate (where applicable)
    • PTD/PPD (disability) certificate from the doctor (where applicable)

    Delay of Checked in Baggage

    • Baggage tag receipts.
    • Written confirmation from the carrier stating the number of hours customer was without baggage.

    Trip Cancellation

    • If the reason for cancellation is medical, customer will need to produce a medical certificate from the medical practitioner attending the patient. This must confirm the reason and need of cancellation. Hospitalization records (a discharge summary) will do, too.
    • Death certificate (where applicable)
    • Copy of cancellation proof of booked tickets
    • Copy of booking as well as cancellation confirmation from hotel/planned events organize

    Personal liability and Bail bond

    • Proof of payment towards incurred expenses
    • Copy of Court award or order, and the bail bond submitted
    • FIR (If third party involvement)

    Missed Flight Connection

    • Written confirmation from the carrier of the number of hours of delay, and any compensation received towards the delay.
    • Details of Alternate travel arrangements offered by the carrier, however not accepted.

    Loss of checked In Baggage

    • A Property Irregularity Report. This should be obtained from the carrier as soon as customer is aware of the damage or loss of baggage.
    • Baggage tag receipts.

    Loss Of Baggage And Personal Belongings

    • FIR (if third party involvement)

  • What is the TAT for claim settlement

    Once all the required proof documents are received, Digit will settle or revert with further requirements within 6 business hours

  • Can I make multiple claims? For example, personal accident and delay of checked-in baggage

    YES!

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