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Published by Distinct Destinations, 2020-07-21 05:02:21

Public Libality insurance

Public Libality insurance

HDFC ERGO General Insurance Company Limited

SCHEDULE
PROFESSIONAL LIABILITY POLICY

Policy Number: 3121202340098302002

Item 1. Insured Organization:
EASTBOUND TOURS & TRAVELS PVT. LTD., EASTBOUND
DISCOVERIES PVT. LTD., Distinct Destinations Pvt. Ltd.,
ORCHARD HOSPITALITY PVT. LTD., BTS TOURS (INDIA)
PVT. LTD., 2HUB PRIVATE LTD., CHIME TOURS PVT. LTD.

Item 2. Insured Organization’s Address:
C-41, FRONT BASEMENT, GULMOHOR PARK, NEW DELHI-
110049

THIS IS A CLAIMS MADE AND REPORTED POLICY WHICH APPLIES ONLY TO “CLAIMS” FIRST

MADE AND REPORTED IN WRITING DURING THE “POLICY PERIOD”, OR ANY EXTENDED

REPORTING PERIOD. THE LIMIT OF LIABILITY TO PAY DAMAGES OR SETTLEMENTS WILL BE

REDUCED AND MAY BE EXHAUSTED BY “DEFENCE COSTS”, AND “DEFENCE COSTS” WILL BE

APPLIED AGAINST THE DEDUCTIBLE AMOUNT. PLEASE READ THE ENTIRE POLICY

CAREFULLY.

Item 3. Limits of Liability (inclusive of Defence Costs):

(a) Each Loss Rs. 50,00,00,000
(b) Each Policy Period Rs. 50,00,00,000

Item 4. Deductible Amount: INR 250,000 for each and every claim- India
: INR 600,000 each and every claim- Row

Item 5. Policy Period: From 12.01 a.m. on July 23, 2020
Item 6. To Midnight on July 22, 2021
Local time at the address shown in Item 2

Premium: Rs. 293,000.00
Premium: 26,370.00
SGST 9% 26,370.00
CGST 9%
TOTAL GST 18% Rs. 52,740.00
TOTAL (Combined Annual Premium) Rs. 345,740.00

GSTN 06AABCE5800C1ZB
INVOICE NO 00080100223991

Item 7. Extended Reporting Period: (a) Additional Premium Not Applicable

(b) Additional Period Not Applicable

Page 1 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Item 8. Pending or Prior Date: July 23, 2018 12.01am
Item 9. Termination of Prior Policies: Not Applicable
Item 10.
Professional Services:- Inbound Tour operator as per annexure B Attached

Item 11. Endorsement(s) Effective at Inception:
1. Exclusion – Absolute Bodily Injury/ Property Damage
2. Endorsement – Loss of documents INR 10,000,000
3. Endorsement - Defamation & Amended to IPR
4. Endorsement – Employee dishonesty sub limit INR 25,00,00,000
5. Endorsement – Internet liability and privacy breach
6. Endorsement - Security Breach and Unauthorized Access
7. Endorsement- OFAC Sanction
8. Exclusion- Infectious Diseas or Covid 19
9. Endorsement – Breach of Confidentiality
10. Exclusion- Delay in services
11. Endorsement- Retroactive Date
12. Endorsement- Tie-in limit with CGL

In witness whereof, the Company has caused this policy to be signed by its Authorised Representative

Date: July 01, 2020 Authorised Representative

Goods and Service Tax Registration No: 06AABCL5045N1ZC. The contract will be cancelled ab intio in case; the consideration
under the policy is not realized.

The stamp duty of Rs 0.50/- (Fifty Paise only) paid by Demand Draft, vide Receipt/Challan no. CSD/293/2020/385/2020 dated
24/Jan/2020 as prescribed in Government of Maharashtra Order No. Mudrank-2017/CR.97/M-1, dated the 09th January 2018

Note: Where the proposal form is not received, information obtained from insured, whether orally or otherwise, is captured in the
policy document. Discrepancies, if any, in the information contained in the policy document may be pointed out by an insured within
15 days from the policy issue date after which information contained in the policy document shall be deemed to have been accepted
as correct.

Warranted that there are nil claims and /or circumstances reported (except for the claims and /or circumstances already reported to
us )

Intermediary Code: 200862756386
Intermediary Name: HE DIRECT BB000001HDFC BANK LTD BRANCH BANKING

BRANCHES GURGAON 2

Page 2 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Professional Liability Policy

In consideration of payment of the premium and subject to the terms and conditions of this policy, the
Company and the Insured agree as follows:

Insuring Clause 1. The Company shall pay on behalf of the Insured Loss arising solely out of
Professional Services resulting from any Claim first made against such
Insured during the Policy Period or, if exercised, during the Extended
Reporting Period, but only if such Claim is reported to the Company in writing

and in the manner and within the time provided in section 5 of this policy.

Extended Reporting 2. If this policy is terminated or not renewed for any reason other than termination
Period by the Company for non-payment of premium, the Insured shall have the right,

upon payment of the additional premium set forth in Item 7(a) of the Schedule,
to an extension of the coverage granted by this policy for the period set forth in
Item 7(b) of the Schedule following the effective date of termination or non-
renewal, but only to the extent that such Claims are for Wrongful Acts

occurring prior to the effective date of termination or non-renewal. This right of
extension shall lapse unless written notice of such election, together with
payment of the additional premium due, is received by the Company within thirty
(30) days following the effective date of termination or non-renewal.

Any Claim made during the Extended Reporting Period shall be deemed to
have been made during the immediately preceding Policy Period. If the
Extended Reporting Period is purchased, the entire premium noted in Item 7(a)
of the Schedule shall be deemed fully earned at the inception of such Extended
Reporting Period.

The offer of renewal terms and conditions or premiums different from those in
effect prior to renewal shall not constitute a refusal to renew.

Exclusions 3.1. The Company shall not be liable for Loss on account of any Claim:

(a) based upon, arising from, or in consequence of any circumstance if notice
of such circumstance has been given under any policy of which this policy
is a renewal or replacement or which it may succeed in time;

(b) based upon, arising from, or in consequence of any demand, suit or other
proceeding pending against, or order, decree or judgment entered for or
against any Insured on or prior to the Pending or Prior Date set forth in Item
8 of the Schedule or the same or substantially the same fact or circumstance
underlying or alleged therein;

(c) based upon, arising from, or in consequence of any express or implied,
written or verbal, guarantee or warranty made in connection with
Professional Services;

Page 3 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

(d) for bodily injury, sickness, disease or death of any person, or damage to or
destruction of any tangible property, including loss of use thereof, whether
or not it is damaged or destroyed;

Exclusions (e) for any liability of others assumed by the Insured under any contract,
(continued) including without limitation any contract formed electronically, except to
the extent that such liability would have attached to the Insured even in
the absence of such contract;

(f) based upon, arising from, or in consequence of defamation, invasion of
privacy, assertion or infringement of copyright, patent, service mark, trade
name, design right or trade mark, whether registrable or not, or
misappropriation of ideas or trade secrets or know how or any assertion
or infringement of any intellectual property right;

(g) based upon, arising from, or in consequence of the actual or alleged
violation of any law anywhere in the world pertaining to discrimination of
Employees;

(h) based upon, arising from, or in consequence of Pollution;

(i) based upon, arising from, or in consequence of an Antitrust Claim;

(j) based upon, arising from, or in consequence of a Financial Impairment;

(k) for an actual or alleged violation of the responsibilities, obligations or
duties imposed by the USA Employee Retirement Income Security Act of
1974, the Indian Employees Provident Fund and Miscellaneous Provisions
Act, 1952, the Indian Employees State Insurance Act, 1948, the Indian
Payment of Bonus Act, 1965, the Indian Payment of Gratuity Act, 1972, the
Indian Maternity Benefits Act, 1961, the Indian Factories Act, 1961, all as
amended, or similar provisions of any law anywhere in the world as
respects any pension, profit sharing, health and welfare or other employee
benefit plan or trust established or maintained for the purpose of providing
benefits to employees of the Insured Organisation;

(l) brought or maintained by or on behalf of any Insured;

(m) based upon, arising from or in consequence of the performance or failure
to perform Professional Services for:
a. any Insured;
b. any entity which is under common ownership or control with any
Insured Organisation; c. any natural person or entity who or which,
directly or indirectly, owns or controls any entity included within the
definition of Insured; or
d. any entity of which any Insured is a director, officer or partner;

(n) based upon, arising from or in consequence of an actual or alleged
violation of the USA Securities Act of 1933, the USA Securities Exchange
Act of 1934, any rules or regulations of the USA Securities and Exchange

Page 4 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Exclusions Commission promulgated thereunder, any other statute relating to
(continued) securities, or any rules or regulations promulgated thereunder, in the
United States of America, India or anywhere else in the world; all as
amended;

(o) based upon, arising from or in consequence of any deliberate conflict of
interest, dishonest, deliberately fraudulent or deliberately criminal act or
omission or any willful violation or breach of any law or regulation by such
Insured, if any judgment, determination or other final adjudication
establishes such a deliberate conflict of interest, dishonest, deliberately
fraudulent or deliberately criminal act or omission or willful violation or
breach; or

(p) based upon arising from or in consequence of any Insured having gained
in fact any profit, remuneration or advantage to which such Insured was
not legally entitled.

(q) based upon, arising from, or in consequence of any Claim, Loss, cost or
expense of whatsoever nature directly or indirectly caused by, resulting
from or in connection with any of the following regardless of any other
cause or event contributing concurrently or in any other sequence to the
loss;

war, invasion, acts of foreign enemies, hostilities or warlike operations
(whether war be declared or not), civil war, rebellion, revolution,
insurrection, civil commotion assuming the proportions of or amounting to
an uprising, military or usurped power or confiscation or nationalisation or
requisition or destruction of, or damage to, property by or under the order
of any government or public or local authority.

3.2 The Company shall not be liable for Loss other than Defence Costs
resulting from any Claim based upon, arising from or in consequence of
any Claim (or portion of a Claim) for non-monetary relief or for
enforcement of any order for, grant of or agreement to provide non-
monetary relief.

3.3. With respect to the exclusions in this policy, in order to determine if coverage is
available:

(i) no fact pertaining to or knowledge possessed by any Insured Person
shall be imputed to any other Insured Person; and

(ii) only facts pertaining to and knowledge possessed by any past, present or
future president, chief executive officer, chief financial officer, in-house
general counsel, risk manager, managing director, chairperson, or
equivalent position in any jurisdiction, of an Insured Organisation shall
be imputed to such Insured Organisation.

Page 5 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Limit of Liability and 4. The Company’s maximum liability for Loss on account of each Claim shall be
Deductible the Limit of Liability for each Loss set forth in Item 3(a) of the Schedule. The
Company’s maximum liability for Loss on account of all Claims first made
during the Policy Period shall be the Limit of Liability for each Policy Period
set forth in Item 3(b) of the Schedule.
Defence Costs are part of, and not in addition to, the Limits of Liability set forth
in Item 3 of the Schedule, and the payment by the Company of Defence Costs
shall reduce and may exhaust such applicable Limits of Liability.

The Company’s liability under this policy shall apply only to that part of covered
Loss on account of each Claim which is excess of the Deductible Amount set
forth in Item 4 of the Schedule. Such Deductible Amount shall be depleted only
by Loss otherwise covered under this policy and shall be borne by the
Insureds uninsured and at their own risk.

All Related Claims shall be treated as a single Claim first made on the date the
earliest of such Related Claims was first made, or on the date the earliest of
such Related Claims is treated as having been made in accordance with
section 5, Reporting and Notice, regardless of whether such date is before or
during the Policy Period.

The limit of liability available during the Extended Reporting Period, if exercised,
shall be part of and not in addition to the Company’s maximum limit of liability
for all Loss on account of a Claim first made during the immediately preceding
Policy Period.

Reporting and Notice 5. The Insured shall, as a condition precedent to exercising any rights under this
policy, give to the Company written notice of any Claim as soon as practicable
but no later than the earliest of the following dates:

(a) sixty (60) days after the date on which the Insured’s chief executive officer,
chief financial officer, in-house general counsel, partner, president,
managing director, chairperson or equivalent position in any jurisdiction, first
becomes aware that the Claim has been made;

(b) if this policy expires (or is otherwise terminated) without being renewed and
if no Extended Reporting Period is granted, sixty (60) days after the
effective date of such expiration or termination; or

(c) the expiration date of the Extended Reporting Period, if granted;

provided that if the Company sends written notice to the Insured Organisation,
at any time before the date set forth in item (a) above with respect to any Claim,
stating that this policy is being terminated for non-payment of premium, the
Insured shall give the Company written notice of such Claim prior to the
effective date of such termination.

If during the Policy Period the Insured:

Page 6 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

i) becomes aware of circumstances which could give rise to a Claim and
gives written notice of such circumstances to the Company;

ii) receives a written request to waive a statute of limitation applicable to
Wrongful Acts occurring before or during the Policy Period and gives
written notice of such request and of such alleged Wrongful Acts to the
Company;

then any Claim subsequently arising from the circumstances referred to in i) or
from the Wrongful Acts referred to in ii) above shall be deemed to have first
been made during the Policy Period in which the written notice described in i)
or ii) above was first given by the Insured to the Company as set forth in this
section. With respect to any such subsequent Claim, no coverage under this
policy shall apply to loss incurred prior to the date such subsequent Claim is
actually made.

In order to make a Claim or to provide notice of circumstances the Insured
shall, as condition precedent to exercising any right under this policy, provide
written notice of a Claim or circumstances to the Company. This written notice
shall include:

1. a description of the Claim or circumstances;
2. the nature of the alleged Wrongful Acts;
3. the nature of the alleged or potential damage;
4. the names of actual or potential claimants;
5. the names of all actual or potential defendants; and
6. the manner in which such Insured first became aware of the Claim or

circumstances.
In addition to and in support of the written notice of Claim or circumstances, the
Insured shall, provide to the Company any and all documents relevant to such
Claim or circumstances, including but not limited to internal or external records of
any kind, correspondence, legal documents or other documents as the Company
may deem necessary for the handling of the Claim. The Insured shall further
extend to the Company such co-operation as the Company may reasonably
require in the handling of the Claim.

Such complete written notice and supporting documentation shall form the basis
of the Company’s assessment of the Claim.

Notice 6. Notice to the Company under this policy shall be given in writing addressed to:

(a) for notice of a Claim or circumstances which could give rise to a Claim:

Claims Department Manager
HDFC ERGO General Insurance Company Limited

Page 7 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

6th Floor Leela Business Park
Andheri Kurla Road, Andheri East
Mumbai – 400059 India

(b) for all other notices:

Underwriting Manager
HDFC ERGO General Insurance Company Limited
6th Floor Leela Business Park
Andheri Kurla Road, Andheri East
Mumbai – 400059 India

Such notice shall be effective on the date of receipt by the Company at such
address.

Defence and 7. The Company shall have the right but not the duty to defend any Claim covered
Settlement by this policy. Coverage shall apply even if any of the allegations are
groundless, false or fraudulent.
Each Insured agrees to provide the Company with all information, assistance
and co-operation which the Company reasonably requires, including, without
limitation, for the purposes of any investigation the Company makes, in its
absolute discretion.

Each Insured agrees that in the event of a Claim such Insured will do nothing
that may prejudice the Company’s position or its potential or actual rights of
recovery.

Each Insured agrees not to settle any Claim or covey any offer of settlement to
any claimant with regard to any Claim, incur any Defence Costs, or otherwise
assume any contractual obligation or admit any liability with respect to any
Claim without the Company’s prior written consent. The Company shall not be
liable for any Defence Costs, any other element of Loss incurred, any
obligation assumed, or any admission made by any Insured without the
Company’s prior written consent.

With respect to any Claim that appears reasonably likely to be covered in whole
or in part under this policy, the Company shall have the right and shall be given
the opportunity to effectively associate with, and to be consulted in advance by,
each Insured regarding the investigation, defence and settlement of such
Claim, including negotiating any settlement. The Company may make any
investigation it deems necessary and may, with the consent of the Insured,
make any settlement of any Claim it deems expedient. If such Insured
withholds consent to such settlement, the Company’s liability for all Loss on
account of such Claim shall not exceed the amount for which the Company
could have settled such Claim plus costs, charges and expenses accrued as of
the date such settlement was proposed in writing by the Company to such
Insured.

Page 8 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Any advancement of Defence Costs under this policy shall be repaid to the
Company by the Insured, severally according to their respective interests, if
and to the extent it is determined that such Defence Costs are not insured
under this policy.

With respect to any consents required under this section, (a) provided the
Insured complies with the obligations set forth in this section, the Company
shall not unreasonably withhold its consent; and (b) the Insured shall not
unreasonably withhold such consent.

Other Insurance 8. If Loss is insured under any other policy, prior or current, then this policy shall
cover such Loss, subject to its limitations, conditions, provisions and other
terms, only to the extent that the amount of such Loss is in excess of the
applicable retention or deductible and the limit of liability of such other
insurance, whether such other insurance is stated to be primary, contributory,
excess, contingent or otherwise, unless such other insurance is written only as
specific excess insurance over the Limits of Liability provided in this policy.

Changes in Exposure 9.1. If an Insured Organisation (i) acquires securities or voting rights in another
Acquisition or organisation or creates another organisation, which as a result of such
Creation of Another acquisition or creation becomes a Subsidiary, or (ii) acquires any organisation
Organisation by merger into or consolidation with an Insured Organisation such that the
Insured Organisation is the surviving entity, then such other organisation and
the Insured Persons in relation to it shall be Insureds under this policy, but
only with respect to Wrongful Acts where all or part of such acts occurred after
such acquisition or creation unless the Company agrees, after presentation of a
complete Proposal and all appropriate information, to provide coverage by
endorsement for Wrongful Acts occurring prior to such acquisition or creation.

The Insured Organisation shall give written notice of such acquisition or
creation to the Company as soon as practicable, but in no event later than sixty
(60) days after the date of such creation or acquisition, together with such
information as the Company may require, and shall pay any reasonable
additional premium required by the Company. If the Insured Organisation fails
to give such notice within the time specified in the preceding sentence, or fails
to pay the additional premium required by the Company, coverage for such
acquired organisation or new Subsidiary and the Insured Persons in relation
thereto shall terminate with respect to Claims first made more than sixty (60)
days after such acquisition or creation. Coverage for any such acquired
organisation or new Subsidiary and the Insured Persons in relation thereto
shall be subject to such additional or different limitations, conditions, provisions
or other terms as the Company, in its sole discretion, may require.

Page 9 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Changes In Exposure 9.2. If (i) the Insured Organisation merges into or consolidates with another
Acquisition, Material organisation and the Insured Organisation is not the surviving entity; (ii)
Change or Financial another organisation or person or group of organisations or persons in concert
Impairment of Insured acquire securities or voting rights which result in ownership or voting control by
Organisation the other organisation(s) or person(s) of more than 50% of the outstanding
securities representing the present right to vote for election of directors of the
Changes In Exposure 9.3. Insured Organisation; (iii) the nature of the primary business of an Insured
Cessation of Organisation changes materially from that as at inception of this Policy
Subsidiaries Period; or (iv) upon the Financial Impairment of the Insured Organisation,
coverage under this policy shall continue until termination of this policy, but only
with respect to Claims for Wrongful Acts occurring prior to such merger,
consolidation, acquisition, change or Financial Impairment. The Insured
Organisation shall give written notice of such merger, consolidation,
acquisition, change or Financial Impairment as soon as practicable, but no
later than sixty (60) days after the date of such merger, consolidation,
acquisition, change or Financial Impairment, together with such information as
the Company may require. Upon the occurrence of any event specified in (i), (ii),
(iii) or (iv) above, the entire premium for this policy shall be deemed fully
earned.

In the event an organisation ceases to be a Subsidiary before or after the
inception date of this policy, coverage with respect to such Subsidiary and the
Insured Persons in relation thereto shall continue until termination of this policy
or any renewal thereof but only with respect to Claims for Wrongful Acts
occurring prior to the date such organisation ceased to be a Subsidiary.

Representations and 10. In issuing this policy the Company has relied upon the statements,
Severability representations and information in the Proposal. All of the Insureds

acknowledge and agree that all such statements, representations and
information:

(a) are true and accurate;
(b) were made or provided in order to induce the Company to issue this policy;

and
(c) are material to the Company’s acceptance of the risk to which this policy

applies.

In the event that any of the statements, representations or information in the
Proposal are not true and accurate, this policy shall be void with respect to
any Insured who knew as of the effective date of the Proposal the facts that
were not truthfully and accurately disclosed (whether or not the Insured knew
of such untruthful disclosure in the Proposal) or to whom knowledge of such
facts is imputed.

For the purposes of the preceding paragraph:

(a) the knowledge of any past, present or future president, chief executive
officer, chief financial officer, in-house general counsel, managing director,
chairperson, or equivalent position in any jurisdiction, of the Insured
Organisation shall be imputed to the Insured Organisation to determine if
coverage is available; and

Page 10 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Territory and (b) except as provided for in (a) above, no statement, representation or
Governing Law information provided in the Proposal or knowledge possessed by any
Insured Person shall be imputed to any other Insured Person for the
Conformity purpose of determining if coverage is available.

.
11. Coverage shall extend anywhere in the world.

The construction, interpretation and meaning of the provisions of this policy
shall be determined in accordance with and governed by the laws of the
Republic of India.

12. The provisions of this policy shall be read subject to the provision of any law
governing the construction of this policy. If any of the provisions of this policy
are inconsistent with any law governing its construction then the provisions of
this policy shall be deemed to be amended so as to comply with such law.

Subrogation 13. In the event of any payment under this policy, the Company shall be subrogated
to the extent of such payment to all the Insured’s rights of recovery, and such
Insured shall execute all papers required and shall do everything necessary to

secure and preserve such rights, including the execution of such documents
necessary to enable the Company effectively to bring suit in the name of the
Insured.

Action Against the 14. No action shall lie against the Company unless, as a condition precedent
Company thereto, there shall have been full compliance with all of the terms of this policy.
The Insured shall have no right under this policy to join the Company as a party
to any action against the Insured to determine such Insured’s liability nor shall
the Company be impleaded by such Insured or legal representatives of such
Insured.

Estates, Legal 15. Coverage shall extend to Claims for the Wrongful Acts of any Insured Person

Representatives and made against:

Spousal Liability

Extension a) the estates, heirs, legal representatives or assigns of any Insured Person

who is deceased or against the legal representatives or assigns of any

Insured Person who is incompetent, insolvent or bankrupt; and

b) the lawful spouse of such Insured Person solely by reason of such

person’s status as a spouse or such spouse’s ownership interest in property

which the claimant seeks as recovery for an alleged Wrongful Act of such

Insured Person.

All limitations, conditions, provisions, and other terms of coverage (including the
Deductible Amount) applicable to Loss incurred by the Insured Person shall
also apply to loss incurred by the estates, heirs, legal representatives, assigns
and spouses of such Insured Person. The coverage provided under this
section shall not apply with respect to any loss arising from any act or omission
by such Insured Person’s estate, heirs, legal representatives, assigns or

Page 11 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

spouse.

Bankruptcy 16. Bankruptcy, winding-up, receivership or insolvency of an Insured or of the
estate of such Insured shall not relieve the Company of its obligations or
deprive the Company of its rights under this policy.

Authorisation Clause 17. By acceptance of this policy, the Insured Organisation agrees to act on behalf
of each Insured with respect to the giving and receiving of notice of Claim or
termination, the payment of premiums and the receiving of any return premiums
that may become due under this policy, the negotiation, agreement to and
acceptance of endorsements, and the giving or receiving of any notice provided
for in this policy (except the giving of notice to apply for the Extended Reporting
Period), and each Insured agrees that the Insured Organisation shall act on
their behalf.

Alteration and 18. No change in, modification of, or assignment of interest under this policy shall
Assignment be effective except when made by a written endorsement to this policy which is
signed by an authorised employee of the Company.

Termination of Policy 19. This policy shall terminate at the earliest of the following times:

(A) ten (10) days after the receipt by Insured Organisation of written notice
of termination from the Company in the event of non-payment of premium,
unless the premium is paid within such ten (10) day period;

(B) upon expiration of the Policy Period as set forth in Item 5 of the Schedule
of this policy, or

(C) at such other time as may be agreed upon by the Company and the
Insured Organisation.

The Company shall retain the premium computed at the customary short rates
as provided in the table given below if the policy is terminated by the Insured
Organisation. Under any other circumstances the refund shall be computed
pro-rata.

Page 12 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Table of Customary Short Rates

Period of Risk Premium to be retained by the Company

(Not exceeding) (% of the Annual Rate)

1 Week 10%
1 Month 25%
2 Months 35%
3 Months 50%
4 Months 60%
6 Months 75%
8 Months 85%
Exceeding 8 Months Full Annual Premium

The Company shall have no obligation to renew this policy upon its expiration or
termination.

Termination of Prior 20. The inception of this policy shall terminate, if not already terminated, any

Policy policies specified in Item 9 of the Schedule.

Definitions 21. When used in bold type in this policy:

Antitrust Claim means any actual or alleged violation of the Competition Act
2002, India, and amendments thereto, or any other law, anywhere in the world,
involving anti-trust, monopoly, price fixing, price discrimination, predatory
pricing, restraint of trade, or which otherwise protects competition.

Claim means:
(i) a written demand for monetary damages or non-monetary relief;
(ii) a civil proceeding commenced by the service of a complaint, summons,

statement of claim or similar pleading;
(iii) a formal administrative or formal regulatory proceeding commenced by

the filing of a notice of charges, formal investigative order or similar
document; or

(iv) an arbitration proceeding

against an Insured for a Wrongful Act, including any appeal therefrom.

Defence Costs means that part of Loss consisting of reasonable costs,
charges, fees (including but not limited to attorneys’ fees after court taxation, if
applicable, and experts’ fees) and expenses (other than regular or overtime
wages, salaries or fees of a partner, a director, officer, trustee or employee of
an Insured Organisation) incurred in defending any Claim and the court fee or
amount adjudicated for appeal, attachment, or similar surety or security.

Employee means any natural person in the regular service of the Insured
Organisation (whether full-time, part-time, permanent or temporary) pursuant to
a written contract of service between such person and the Insured
Organisation whom the Insured Organisation compensates by salary or
wages and has the right to control and direct both as to the result to be

Page 13 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

accomplished and the details and means by which such result is accomplished
in the performance of such service. Employee shall not include any

independent contractor or any employee, agent or other representative thereof.

Definitions Financial Impairment means the status of any Insured Organisation resulting
(continued) from (i) the appointment by any state or central tribunal, agency or court, or by
a creditor, of any receiver and manager, including but not limited to a receiver
appointed by the court under Order 40, Rule (1) of the Indian Code of Civil
Procedure 1908, as amended, judicial manager, administrator, conservator,
liquidator, including but not limited to any liquidator appointed under Sections
449 and 450 of the Indian Companies Act, 1956, as amended, trustee,
rehabilitator or similar official or a holder of a similar position to take control of,
supervise, administer, manage or liquidate the Insured Organisation; (ii) the
Insured Organisation becoming a debtor in possession under the United
States bankruptcy law or taking any corporate action or commencing legal
proceedings for its winding-up, dissolution, administration or corporate
restructuring or an event occurs which has an analogous effect under the laws
of any other country; (iii) a referral being made to the Board of Industrial and
Financial Reconstruction under the provisions of the Indian Sick Industrial
Companies (Special Provisions) Act, 1985, as amended or (iv) the Insured
Organisation being unable to pay its debts as they fall due, commencing
negotiations with any one or more of its creditors with a view to the general
readjustment or rescheduling of its indebtedness or making a general
assignment for the benefit of or a composition with its creditors.

Insured means the Insured Organisation and/or any Insured Person.

Insured Organisation means the entity designated in Item 1 of the Schedule
and any Subsidiary.

Insured Person means any natural person who has been, now is or shall
become a partner, director, officer, or equivalent position in any jurisdiction, or
Employee of an Insured Organisation but only while such person was, is or
shall be acting solely in the performance of Professional Services, as stated in
Item 10 of the Schedule, and on behalf of the Insured Organisation.

Loss means Defence Costs and the total amount covered under this policy
which the Insured becomes legally obligated to pay on account of any covered
Claim including, but not limited to: (a) awards of damages; (b) judgments; (c)
sums payable due to any settlements agreed to by the Company in accordance
with section 7; and (d) awards of claimant’s costs. Loss does not include (i)
any amount not indemnified by an Insured Organisation for which any Insured
Person is absolved from payment by reason of any covenant, agreement or
court order; (ii) fines or penalties imposed by law; (iii) punitive, aggravated or
exemplary damages; (iv) the multiple portion of any multiplied damage award;
(v) any amount which constitutes restitution, reduction, disgorgement or set off
or return of fees, other consideration or expenses paid to or charged by the
Insured for Professional Services, (vi) the cost of correcting, completing or
re-performing any Professional Services; (vii) liquidated damages or (ix)
matters uninsurable under Indian law.

Policy Period means the period of time specified in Item 5 of the Schedule,

Page 14 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

subject to prior termination in accordance with section 19 of this policy. If the
Extended Reporting Period is exercised, it shall be part of the Policy Period
and not an additional Policy Period.

Pollutants means any substance located anywhere in the world exhibiting any
hazardous characteristics as defined by, or identified on a list of hazardous
substances issued by, an environmental protection agency (including but not
limited to the United States Environmental Protection Agency) or a country,
state, territory, county, municipality, locality or counterpart thereof. Such
substances shall include, without limitation, solids, liquids, gaseous or thermal
irritants, contaminants, smoke, vapour, soot, fumes, acids, alkalis, chemicals or
waste materials. Pollutants shall also mean any other air emission, odour,
waste water, oil, oil products, infectious or medical waste, asbestos or asbestos
products and any noise.

Pollution means (i) the actual, alleged or threatened exposure to, or
generation, storage, transportation, discharge, emission, release, escape,
seepage, migration, dispersal, treatment, removal or disposal of Pollutants; or
(ii) any regulation, order, direction or request to test for, monitor, clean up,
remove, contain, treat, detoxify or neutralise Pollutants, or any action taken in
contemplation or anticipation of such regulation, order, direction or request or
any voluntary decision to do so; including but not limited to any Claim for
financial loss to the Insured Organisation, holders of its securities or its
creditors based upon, arising from, or in consequence of the matters described
in (i) or (ii) of this definition.

Professional Services means only those services designated in Item 10 of the
Schedule which are performed or required to be performed by the Insured for
others for a fee, including such services that are performed electronically
utilising the internet or a network or two or more computers.

Proposal means all signed proposal forms, including attachments and materials
incorporated therein, submitted by the Insureds to the Company for this policy
or any policy issued by the Company of which this policy is a direct or indirect
renewal or replacement. All such proposals, attachments and materials are
deemed attached to, incorporated into and made a part of this policy.

Related Claims means all Claims for Wrongful Acts based upon, arising from,
or in consequence of the same or related facts or circumstances or the same or
related series of facts or circumstances.

Subsidiary means any organisation in which more than 50% of the outstanding
securities or voting rights representing the present right to vote for the election
of directors in such organisation is owned or controlled, directly or indirectly, in
any combination, by any Insured Organisation.

Wrongful Act means any error, misstatement, misleading statement, act,
omission, neglect, or breach of duty committed, attempted or allegedly
committed or attempted, by an Insured Organsiation or an Insured Person,
individually or otherwise, on behalf of the Insured Organisation, solely in the
performance of Professional Services as stated in Item 10 of the Schedule.

Page 15 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

For the purposes of these definitions, the singular includes the plural and the
plural includes the singular, unless otherwise indicated.

Valuation and Foreign 22. All premiums, limits, retentions, Loss and other amounts under this policy are
Currency expressed and payable in Indian currency. If judgment is rendered, settlement
is denominated or another element of Loss under this policy is stated in a
currency other than Indian rupees, then payment under this policy shall be
made in Indian Rupees at the mid rate of exchange of the Reserve Bank of
India published on the date the final judgment is entered, the amount of the
settlement is agreed upon or the other element of Loss is due, respectively.

Grievance Redressal 23. Any Insured who has a grievance against the Company arising under, out of, in
and Arbitration connection with or in relation to this policy, or to its existence, validity or
termination, or to the determination of any amounts payable under this policy,
may, personally or through their legal heirs, make a complaint in writing to the
Indian Insurance Ombudsman in accordance with the procedure contained in The
Redressal of Public Grievance Rules, 1998, as amended. Provided that, in
accordance with Rule 16(2) of the Ombudsman Rules, any compensation
awarded by the Ombudsman will be limited to the lower of the amount necessary
to cover the loss suffered by the Insured as a direct consequence of the insured

peril or Rupees Twenty Lakhs only (Rs. 20 lakhs), inclusive of any ex-gratia and
other expenses. At the prior written request of the Insured, the Company shall

make available a copy of said Rules to such Insured.

Subject to the foregoing, any and all disputes or differences which may arise
under, out of, in connection with or in relation of this policy, or to its existence,
validity or termination, or to the determination of any amounts payable under
this policy, shall be referred for resolution by binding arbitration at Mumbai, in
accordance with the provisions of the Indian Arbitration and Conciliation Act,
1996, as amended. Provided, however, that no such dispute or difference shall
be referred to arbitration, if the same is already the subject matter of a complaint
pending before the Insurance Ombudsman. Should the dispute or difference
which is the subject matter of complaint before the Insurance Ombudsman not
be resolved in that forum, then such dispute or difference will be referred to
binding arbitration, in accordance with the Indian Arbitration and Conciliation
Act, 1996, as amended.

Arbitration shall be conducted as follows:

(i) All proceedings in any arbitration shall be conducted in English and a daily
transcript in English of such proceedings shall be prepared.

(ii) Within thirty (30) days after either the Company or the Insured issues
notice under this Section 22, the parties shall each appoint one arbitrator.
The two arbitrators shall appoint a third arbitrator, who shall serve as the
presiding arbitrator. All three arbitrators shall be required to have at least
five (5) years’ experience in general insurance, either as lawyers or as
underwriters.

(iv) The arbitrators shall have the power to give injunctive relief and such

Page 16 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

other relief to the extent appropriate.

Grievance Redressal (v) The arbitrators shall have the power to award interest up to the date of
and Arbitration payment of any monies due under the award. The arbitrators shall have
no authority to award punitive, aggravated or exemplary damages.
(…continued)
(vi) The parties shall each bear their own costs associated with the
Fraud or 24. arbitration and shall share equally in the costs of the arbitration
Misrepresentation proceedings and presiding arbitrator.

Policy Construction. 25. (vii) When any dispute is under arbitration, except for the matters under
dispute the parties shall continue to exercise their remaining respective
rights and fulfill their remaining respective obligations under this policy.

The arbitration award shall be final and binding on the parties. Judgment upon
the award rendered may by entered in any court having jurisdiction, or
application may be made to such court for a judicial recognition of the award or
an order of enforcement thereof, as the case may be.

(A) Any person who, knowingly and with intent to defraud the Company or
other person, files a proposal for insurance containing any false
information concerning any fact material thereto, commits a fraudulent
insurance act which will render the policy voidable at the Company’s sole
discretion and result in a denial of insurance benefits.

(B) If a Claim is in any respect fraudulent, or if any fraudulent or false plan,
specification, estimate, deed, book, account entry, voucher, invoice or
other document, proof or explanation is produced, or any fraudulent
means or devices are used by the Insured Person, Insured
Organisation, policyholder, beneficiary, claimant or by anyone acting on
their behalf to obtain any benefit under this policy, or if any false statutory
declaration is made or used in support thereof, or if loss is occasioned by
or through the procurement or with the knowledge or connivance of the
Insured Person, Insured Organisation, policyholder, beneficiary,
claimant or such other person acting on their behalf , then all benefits
under this policy are forfeited.

(C) This policy shall be voidable at the option of the Company in the event of
misrepresentation, mis-description or non-disclosure of any material
particular by the Insured.

The title and any headings or sub headings in this policy are solely for
convenience and form no part of the terms and conditions of coverage. The
Schedule hereto is part of and shall form an integral part of this policy.

Page 17 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 1 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

EXCLUSION – ABSOLUTE BODILY INJURY/ PROPERTY DAMAGE WITH CARVE BACK FOR BI/PD
CLAIMS ARISING OUT OF PROFESSIONAL ACTIVITIES ONLY FOR MENTAL ANGUISH AND
EMOTIONAL DISTRESS.

It is agreed that:

1. Exclusion 3.1(d) is deleted in its entirety and replaced with the following:

Based upon, arising from or in consequence of bodily injury, sickness, disease or death of any
person, or damage to or destruction of any tangible property, including loss of use thereof,
whether or not it is damaged or destroyed. However, this exclusion shall not apply to mental
anguish, humiliation or emotional distress in a Claim.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 18 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 2 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

LOSS OF DOCUMENTS EXTENSION

Notwithstanding Exclusion 3.1(e), it is hereby agreed that if during the Policy Period specified in the
Schedule the Insured shall discover that any Documents (as hereinafter defined), the property of or
entrusted to the Insured Organisation named in the Schedule or their predecessors in the business which
may now or hereafter be, or be supposed or believed to be, in the custody of the said Insured Organisation,
or in the custody of any other person in or with whom such Documents have been entrusted, lodged or
deposited by the said Insured Organisation in the ordinary course of business, have while within the
territorial limits specified in the Policy been destroyed or damaged, or lost or mislaid and after diligent search
cannot be found, the Company will

1. indemnify the Insured against

a. legal liability of whatsoever nature which the Insured may incur to any other person in
consequence of such Documents having been so destroyed, damaged, lost or mislaid,
and

b. costs and expenses of whatsoever nature incurred by the Insured in replacing or restoring
such Documents, and

2. in addition, pay the costs and expenses incurred with the written consent of the Company in the
defence or settlement of any claim to establish liability as described in 1(a) above, provided that,
if a payment in excess of the amount of indemnity available under this Policy has to be made to
dispose of a claim, the Company’s liability for such costs and expenses shall be such proportion
thereof as the amount of indemnity available under this Policy in respect of that claim bears to the
amount paid to dispose of that claim.

The Limits of Liability set forth in Item 3 of the Schedule are decreased as follows:

A. Each Loss: From: To:
B. Each Policy Period: Rs. 10,000,000 Rs. 10,000,000
Rs. 10,000,000 Rs. 10,000,000

Such decreased limits are sub-limits which are part of and not in addition to the Limits of Liability
otherwise set forth in such Item 3 of the Schedule.

Page 19 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Loss of Documents Extension (Cont’d)
DEFINITION
In this Extension, “Documents” means deeds, wills, agreements, maps, plans, records, books, letters,
certificates, forms, dealing slips, contract notes, confirmations, receipts, reports and documents of any nature
whatsoever, whether written, printed or reproduced by any other method (other than bearer bonds, coupons,
bank-notes, currency notes and negotiable instruments).

EXCLUSIONS
This Extension shall not indemnify the Insured against any liability, costs or expenses
a. for which the Insured is entitled to an indemnity under this Policy apart from this Extension,

and/or for which the Insured’s is entitled to any indemnity under any other policy,
b. if any act or event, out of or in the course of which such liability, costs or expenses arise,

constitutes or is a part of, or is committed or happens whether directly or indirectly by reason of,
or in connection with war, invasion, act of foreign enemy, hostilities or warlike operations (whether
war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power,
martial law or the act of any lawfully constituted Authority.

CONDITIONS
a. The Limit of Liability under this Policy shall not be increased by reason of this Extension.
b. The Insured shall not admit liability for or settle any claim or incur any costs or expenses in

connection therewith without the written consent of the Company, who shall be entitled at any
time to take over the conduct of the defence or settlement of any claim in the name of the
Insured.
c. The Insured shall as a condition precedent to his right to be indemnified under this Extension
give to the Company written notice within 14 days of becoming aware of any circumstances which
is likely to give rise to a claim.
d. Any claim for costs and expenses incurred by the insured in replacing or restoring
Documents shall be supported by bills or accounts which shall be subject to approval by a
competent person to be nominated by the Company with the approval of the Insured.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 20 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 3 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

EXTENSION-AMENDMENT TO INTELLECTUAL PROPERTY, DEFAMATION, INVASION OF
PRIVACY

It is agreed that Section 3.1, Exclusions, (f) is deleted in its entirety and replaced with following.

(f) based upon, arising from, or in consequence of defamation, invasion of privacy, assertion or
infringement of copyright, patent, service mark, trade name, design right or trade mark, whether
registrable or not, or misappropriation of ideas or trade secrets or know how or any assertion or
infringement of any intellectual property right; provided that this exclusion shall not apply to any
defamation or any assertion or infringement of any intellectual property right other than patent
unless such infringement or misappropriation is unintentional. Infringement or misappropriation
for the purposes of this exclusion shall not be deemed unintentional unless the Insured can

demonstrate to the Company that it has exercised reasonable due diligence to avoid such
infringement or misappropriation;

The Limits of Liability set forth in Item 3 of the Schedule are decreased as follows for any
intellectual property right as above:

A. Each Loss: From: To:
B. Each Policy Period: Rs. 50,00,00,000 Rs. 50,00,00,000
Rs. 50,00,00,000 Rs. 50,00,00,000

The Limits of Liability set forth in Item 3 of the Schedule are decreased as follows for any

defamation as above:

From: To:

A. Each Loss: Rs. 50,00,00,000 Rs. 50,00,00,000

B. Each Policy Period: Rs. 50,00,00,000 Rs. 50,00,00,000

Such decreased limits are sub-limits which are part of and not in addition to the Limits of Liability
otherwise set forth in such Item 3 of the Schedule.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 21 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 4 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

DISHONESTY OF EMPLOYEES EXTENSION

It is agreed that:

1. Exclusion 3.1(o) is deleted in its entirety and replaced with the following:-

Based upon, arising from or in consequence of any deliberate conflict of interest, dishonest, deliberately
fraudulent or deliberately criminal act or omission or any willful violation or breach of any law or regulation
by such Insured. Notwithstanding this Exclusion, the Company shall indemnify an Insured for Loss on
account of any Claim due to a conflict of interest, dishonest, fraudulent or criminal act or omission of any
Employee or any violation or breach of any law or regulation by any Employee provided:

(1) such Claim is brought by or on behalf of any third party alleging such conflict of interest, dishonest,
fraudulent or criminal act or omission, violation or breach; and

(2) the Insured Organization, its partners, directors or Executive Officers had no knowledge of and
have not condoned, participated in or committed the act, omission, violation or breach forming the
basis of liability for such Loss.

Adding the following to item.3 of the schedule.

Sub Limit of Liability - INR 25,00,00,000/-,

Adding the following to item.4 of the schedule.

Deductible Amount: INR 250,000/- INDIA, INR 600,000/- ROW
2. Section 21. Definitions, is amended by adding the following definition:

Executive Officer means any natural person, by whatever name called and whether or not a director of
an Insured Organization, who is concerned or takes part in such insured Organization’s management.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 22 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 5 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

INTERNET LIABILITY AND PRIVACY BREACH ENDORSEMENT

It is agreed that the policy is amended by adding the following extension:

Privacy Breach
Notwithstanding anything to the contrary, the Company shall pay on behalf of Insured, Loss resulting
from any Claim first made against the Insured during the Policy Period, or if exercised during the
Extended Reporting Period for any Privacy Breach.
Internet Liability
Notwithstanding anything to the contrary, the Company shall pay on behalf of Insured, Loss resulting
from any Claim first made against the Insured during the Policy Period, or if exercised during the
Extended Reporting Period for any Internet Liability.

DEFINITIONS FOR THE PURPOSE OF THIS ENDORSEMENT

Computer Virus means any program or code that is designed to cause loss or damage to a computer
system or any part and/or which prevents or impairs a computer system or any part from performing
and/or functioning accurately and properly.

Internet Liability means any actual or alleged Breach of Duty, Privacy Breach, and Infringement, libel or
slander arising from:

(i) the operation of an internet, intranet or extranet site;

(ii) the transmission of electronic mail or documents by electronic means;

(iii) the unintentional transmission of a Computer Virus.

Privacy Breach means any actual or alleged breach of any statutory or other right of privacy of any Third
Party by any Insured.

The Limits of Liability set forth in Item 3 of the Schedule are decreased as follows:

A. Each Loss: Rs. 50,00,00,000

B. Each Policy Period: Rs. 50,00,00,000

Such decreased limits are sub-limits which are part of and not in addition to the Limits of Liability
otherwise set forth in such Item 3 of the Schedule.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 23 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 6 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

EXTENSION - SECURITY BREACH & UNAUTHORIZED ACCESS

It is agreed that the policy is amended by adding the following extension:

Security Breach and Unauthorized access

Notwithstanding anything to the contrary, the Company shall pay on behalf of the Insured Organisation,
loss resulting from any claim first made against the Insured Organisation during the policy period, or if
exercised during the Extended Reporting Period arising from any actual, alleged or threatened security
breach of, unauthorized access to or unauthorized use of, any property, solely, arising from the
Professional Services.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 24 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 7 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

ENDORSEMENT – OFAC SANCTION

The Company shall not be liable to pay any claim or provide any benefit hereunder to the extent that the
provision of such cover, payment of such claim or provision of such benefit would expose the Company
to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic
sanctions, law or regulations of the European Union, United kingdom or United States of America.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 25 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 8 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

INFECTIOUS DISEASE / COVID-19 EXCLUSION

Notwithstanding any provision to the contrary, this policy excludes any loss, damage, liability, expense,
fines, penalties or any other amount directly or indirectly caused by, in connection with, or in any way
involving or arising out of any of the following –including any fear or threat thereof, whether actual or
perceived – : Any infectious disease, virus, bacterium or other microorganism (whether asymptomatic or
not); or Coronavirus (COVID-19) including any mutation or variation thereof; or Pandemic or epidemic, as
declared as such by the World Health Organization
Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 26 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 9 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

ENDORSEMENT – BREACH OF CONFIDENTIALITY SUB LIMITED TO INR 50,000,000

Underwriters agree subject otherwise to the terms, conditions and exclusions of this insurance to
indemnify the Assured for claims made during the period of insurance arising from the unintentional
breach of confidentiality sub-limited to INR 500,000,000
Such decreased limits are sub-limits which are part of and not in addition to the Limits of Liability
otherwise set forth in such Item 3 of the Schedule.
All other All other Policy terms and conditions remain unaltered

Page 27 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 10 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

EXCLUSION - DELAY WITH CARVE BACK FOR DELAYS CAUSED DUE TO PROFESSIONAL
SERVICES

This insurance does not apply to any Loss arising out of any actual, alleged or threatened:
• delay in performance and / or
• failure to begin;

However, this exclusion shall not apply to Delay Caused Due To Professional Services by an Insured.
Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 28 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 11 3121202340098302002 Issued at Noida
Forming part of the Policy Number: RETROACTIVE DATE
(Professional Liability Policy)

It is agreed that Insuring Clause is amended by deleting in its entirety & replacing it with the following
Insuring Clause

The Company shall pay on behalf of the Insured Loss arising solely out of Professional Services
resulting from any Claim first made against such Insured during the Policy Period or, if exercised,
during the Extended Reporting Period occurring on or after For 10 Cr Limit of liability-23rd July 2015, For
15 Cr Limit of liability-23rd July 2018, For 50 Crore Limit of liability-23rd July 2019 or during the Policy
Period, but only if such Claim is reported to the Company in writing and in the manner and within the
time provided in section 5 of this policy.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 29 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

ENDORSEMENTS 9 3121202340098302002 Issued at Noida
Forming part of the Policy Number:
(Professional Liability Policy)

TIE-IN LIMIT WITH CGL POLICY

NON ACCUMULATION OF LIMITS

IT is agreed that with respect to all of the policies listed below or any renewal or replacement thereof
, the total aggregate liability shall not exceed USD 10,000,000 in the aggregate or the policy limit
whichever is lower

Insured Policy Number Policy Limit

EASTBOUND TOURS & TRAVELS PI – 3121202340098302002 INR 50,00,00,000
PVT. LTD., EASTBOUND
DISCOVERIES PVT. LTD., Distinct
Destinations Pvt. Ltd., ORCHARD
HOSPITALITY PVT. LTD., BTS
TOURS (INDIA) PVT. LTD., 2HUB
PRIVATE LTD., CHIME TOURS PVT.
LTD

EASTBOUND TOURS & TRAVELS CGL- 3117202340032902000 INR 50,00,00,000
PVT. LTD., EASTBOUND
DISCOVERIES PVT. LTD., Distinct
Destinations Pvt. Ltd., ORCHARD
HOSPITALITY PVT. LTD., BTS
TOURS (INDIA) PVT. LTD., 2HUB
PRIVATE LTD., CHIME TOURS PVT.
LTD

The total aggregate limit of INR 50,00,00,000 in the declaration of the CGL policy for EASTBOUND
TOURS & TRAVELS PVT. LTD., EASTBOUND DISCOVERIES PVT. LTD., Distinct Destinations Pvt.
Ltd.,ORCHARD HOSPITALITY PVT. LTD., BTS TOURS (INDIA) PVT. LTD., 2HUB PRIVATE LTD.,
CHIME TOURS PVT. LTD. and its subsidiaries, EASTBOUND TOURS & TRAVELS PVT. LTD.,
EASTBOUND DISCOVERIES PVT. LTD., Distinct Destinations Pvt. Ltd.,ORCHARD HOSPITALITY PVT.
LTD., BTS TOURS (INDIA) PVT. LTD., 2HUB PRIVATE LTD., CHIME TOURS PVT. LTD. is not in
addition to the Total aggregate limit of INR 50,00,00,000 set forth in declaration of Professional Indemnity
Policy for the same insured

For avoidance of doubt, the liability paid under the INR 50,00,00,000 will erode the total aggregate limit
available for the policies listed above and vice versa.

Subject otherwise to the terms, conditions and exclusions of this Policy.

Page 30 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

GRIEVANCE REDRESSAL PROCEDURE

If you have a grievance that you wish us to redress, you may contact us with the details of your grievance
through:

Call Center ( Toll free helpline )
1800 2 700 700 (accessible from any Mobile and Landline within India)
1800 226 226 (accessible from any MTNL and BSNL Lines)

Emails – [email protected]
Designated Grievance Officer in each branch.
Company Website – www.hdfcergo.com
Fax : 022 - 66383699
Courier : Any of our Branch office or corporate office

You may also approach the Complaint & Grievance (C&G) Cell at any of our branches with the details of
your grievance during our working hours from Monday to Friday.

If you are not satisfied with our redressal of your grievance through one of the above methods, you may
contact our Head of Customer Service at

The Complaint & Grievance Cell,
HDFC ERGO General Insurance Company Ltd.
6th Floor, Leela Business Park,
Andheri Kurla Road,
Andheri, Mumbai – 400059

In case you are not satisfied with the response / resolution given / offered by the C&G cell, then you can
write to the Principal Grievance Officer of the Company at the following address

To the Principal Grievance Officer
HDFC ERGO General Insurance Company Limited
6th floor, Leela Business Park.
Andheri Kurla Road,
Andheri (E), Mumbai – 400059
e-mail: [email protected]

You may also approach the nearest Insurance Ombudsman for resolution of your grievance. The contact
details of Ombudsman offices are mentioned below if your grievance pertains to:

• Insurance claim that has been rejected or dispute of a claim on legal construction of the policy
• Delay in settlement of claim
• Dispute with regard to premium
• Non-receipt of your insurance document

Page 31 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Names of Ombudsman and Addresses of Ombudsmen Centres

Office of the Insurance Ombudsman, Shri Raj Kumar Srivastava,
2nd Floor, Ambica House, Office of the Insurance Ombudsman,
Nr. C.U. Shah College, Ashram Road, 2nd Floor, Janak Vihar Complex,
AHMEDABAD-380 014. 6, Malviya Nagar,Opp. Airtel, Near New Market,
Tel.:- 079-27545441/27546139 Fax : 079- BHOPAL(M.P.)-462 003.
27546142 Tel.:- 0755-2769201/9202 Fax : 0755-2769203
Email: [email protected] Email: [email protected]

Shri B.N. Mishra, Shri Manik Sonawane
Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
62, Forest Park, S.C.O. No.101-103,2nd Floor,
BHUBANESHWAR-751 009. Batra Building, Sector 17-D,
Tel.:- 0674-2596455/2596003 Fax : 0674- CHANDIGARH-160 017.
2596429 Tel.:- 0172-2706468/2705861 Fax : 0172-2708274
Email: [email protected] Email: bimalokpal.chandi[email protected]

Shri Virander Kumar, Smt. Sandhya Baliga,
Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
Fathima Akhtar Court, 2/2 A, Universal Insurance Bldg.,
4th Floor, 453 (old 312), Asaf Ali Road,
Anna Salai, Teynampet, NEW DELHI-110 002.
CHENNAI-600 018. Tel.:- 011-23237539/23232481 Fax : 011-23230858
Tel.:- 044-24333668 /24335284 Fax : 044- Email: [email protected]
24333664
Email: [email protected]

Insurance Ombudsman, Shri G.Rajeswara Rao,
Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
“Jeevan Nivesh”, 5th Floor, 6-2-46, 1st Floor, Moin Court,
Near Panbazar Overbridge, S.S. Road, A.C. Guards, Lakdi-Ka-Pool,
GUWAHATI-781 001 (ASSAM). HYDERABAD-500 004.

Tel.:- 0361-2132204/5 Fax : 0361-2732937 Tel : 040-65504123/23312122 Fax: 040-23376599
Email: [email protected] Email: [email protected]

Shri P.K.Vijayakumar, Shri K.B. Saha,
Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
2nd Floor, CC 27/2603, Pulinat Bldg., Hindustan Building. Annexe,
Opp. Cochin Shipyard, M.G. Road, 4th Floor, C.R. Avenue,
ERNAKULAM-682 015. KOLKATA-700 072.
Tel : 0484-2358759/2359338 Fax : 0484- Tel : 033-22124339/22124340 Fax : 033-22124341
2359336 Email: [email protected]
Email: [email protected]

Page 32 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Shri N.P. Bhagat, Shri A.K. Dasgupta,
Office of the Insurance Ombudsman, Office of the Insurance Ombudsman,
Jeevan Bhawan, Phase-2, 3rd Floor, Jeevan Seva Annexe,
6th Floor, Nawal Kishore Road, S.V. Road, Santacruz(W),
Hazaratganj, MUMBAI-400 054.
LUCKNOW-226 001. Tel : 022-26106928/26106552 Fax : 022-26106052
Tel : 0522 -2231331/2231330 Fax : 0522- Email: [email protected]
2231310
Email: [email protected] Shri A.K. Sahoo,
2nd Floor, Jeevan Darshan,
Shri A.K. Jain, N.C. Kelkar Road,
Office of the Insurance Ombudsman, Narayanpet,
Ground Floor, Jeevan Nidhi II, PUNE – 411030.
Bhawani Singh Road, Tel: 020-32341320
Jaipur – 302005 Email: [email protected]
Tel : 0141-2740363
Email: [email protected]

Shri M. Parshad, OFFICE OF THE GOVERNING BODY OF
Office of the Insurance Ombudsman, INSURANCE COUNCIL
24th Main Road, Jeevan Soudha Bldg.
JP Nagar, 1st Phase, Smt. Ramma Bhasin, Secretary General,
Bengaluru – 560025.
Tel No: 080-22222049/22222048 Shri Y.R. Raigar, Secretary
Email: bimalokpal.bengaluru @gbic.co.in 3rd Floor, Jeevan Seva Annexe,
S.V. Road, Santacruz(W),
MUMBAI – 400 054
Tel : 022-26106889/6671
Fax : 022-26106949
Email- [email protected]

Page 33 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Annexure B

S NO COUNTRY CITY EXCURSIONS
1 Bhutan Bhutan
Taktsang Hike Ponies
2 Bhutan Bhutan
Customized biking tour for the clients through the
3 Bhutan Punakha Himalayan Mountains with arduous and challenging ride
4 India Alleppey from east to west of Bhutan or vice versa

5 India Bhubaneswar White Water Rafting

6 India Bikaner Kerala Canoe Trip
7 India Bikaner
Chitwan National Park Bhitarkanika National Park – 30mins drive each way to
8 India Nepal jetty / 3-4 hours boating (Excursion from Chandbali /
Coorg Chandbali is 175kms from Bhubaneswar and
9 India recommended to have two nights stay at Chandbali )
Jaipur
10 India Tonga ride in old city & Camel farm visit
Jaipur Excursion to Raisar Dunes with the experience of Camel /
11 India Jaipur Jeep Safari + Theme dinner on the Dunes.
12 India Jaipur
13 India Jaipur Rapti River Canoe Trip
14 India Jaisalmer
15 India Jaisalmer Excursion to Dubare Elephant Camp and Bylekuppe
16 India Jaisalmer private excursion with your driver only
17 India Jodhpur Guided tour of Amber Fort Palace and elephant safari
18 India Jodhpur from Dera Amer with lunch
19 India Jodhpur Two hour elephant safari from Dera Amer shared
20 India Leh Ladahk excursion
21 India Leh Ladahk Jumbo Pride
22 India Leh Ladahk
23 India Elefantastic - A Half Day with the Elephants
Leh Ladahk
24 India Leh Ladahk Hot Air Balloon Ride in Jaipur
25 India
Excursion to Sam/Khuri Sand Dunes for Camel Ride.

Camel Safari for Half Day/Full Day

Jeep Ride to Sam/Khuri Sand Dunes

Flying Fox Zip Tour at Mehrangarh Fort

High Tea with Camel Ride at Osian

Camel Ride at Osian
Trekking - (oxygen cylinder / First aid kit / ponnies / guide /
cook / helper / tents / mattreses)
Rafting - (Helmets / Life Jackets)
Mountaineering - (Ice Axe / Crampon / Oxygen cylinder /
First Aid Kit)
Bike Tour - (Helmet / Gloves / Knee Guard / Oxygen
cylinder / First Aid Kit)
Camel Safari - (Nubra only - First Aid Kit)

Page 34 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

26 India Munnar Top Station Valley Trek private trek with your guide

27 India Munnar Kollukumalai trek from Casa del Fauno Private excursion
with your guide

28 India Periyar Wildlife Sanctuary Elephant experience at Jumbo Junction private excursion
with your guide

29 India Periyar Wildlife Sanctuary Trek and bamboo rafting excursion shared excursion with
guide

30 India Periyar Wildlife Sanctuary Boat trip on Periyar Lake shared excursion -
unaccompanied

31 India Periyar Wildlife Sanctuary Kerala Canoe Trip

32 India Pushkar Camel safari/camel ride

33 India Ranthambore Safari (Jeep/Canter, Shared/Exclusive)

34 India Udaipur Half Day & Full day Horse Rides

35 India Vazhoor Elephant experience private excursion with your guide

36 India Alwar Vanaashyra Camel cart ride

37 India Mumbai Ferry to Elephanta Insland

38 Nepal Kathmandu One Hour Mountain Flight

39 Andaman Andaman Special on board cruise (tied up with the only
private boat here which has 2 cabins) -

DAY 1
PORT BLAIR TO RUTLAND ISLAND

DAY 2
RUTLAND TO CINQUE ISLAND

DAY 3
CINQUE ISLAND TO HUT BAY ISLAND (LITTLE
ANDAMAN)

DAY 4
HUT BAY ISLAND TO NEIL ISLAND

DAY 5
NEIL ISLAND TO HAVELOCK ISLAND ( BEACH NO 7,
RADHANAGAR BEACH )

DAY 6
SPEND THE DAY AT HAVELOCK ISLAND ( BEACH NO
7, RADHANAGAR BEACH ) AFTERNOON DEPART TO
PORT BLAIR.

Page 35 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

40 Andaman Havelock Trip to Elephant Beach / Light House Point
Facilitate Scuba Diving / Snorkeling and paddling
41 Andaman Havelock with our Dive Partner - Dive India.
Trip to Radha Nagar Beach
42 Andaman Havelock Trip to Kalapathar Beach
43 Andaman Havelock Facilitate Scuba Diving / Snorkeling with our Dive
Partner - Dive India.
44 Andaman Neil island Trip to Bharatpur Beach.
Trip to Sitapur Beach.
45 Andaman Neil island Trip to Laxmanpur Beach.
46 Andaman Neil island Trip to Ross Island.
47 Andaman Neil island Trip to North Bay
48 Andaman Port Blair Trip to Jolly Buoy / Red Skin Island.
49 Andaman Port Blair Trip to Diglipur - Ross & Smith Island.
50 Andaman Port Blair Facilitate tickets for Sea Plane.
51 Andaman Port Blair EXCURSIONS TOUR - BANDHAVGARH
52 Andaman Port Blair Excursion to Cellular Jail
53 Andaman Port Blair Excursion for Scuba Diving and Sea Walk at North
54 Andaman Port Blair Bay.
Excursion for Local Museums inclusive of
55 Andaman Port Blair Anthropological Museum, Naval Museum, Fisheries
Museum, Chatham Saw Mill and The Forest
56 Andaman Port Blair Museum.
Excursion to Wandoor Beach.
57 Andaman Port Blair Excursion to Chidiyatapu.
58 Andaman Port Blair Excursion to Corbyn's cove Beach.
59 Andaman Port Blair Excursion to Baratang - Lime Stone Caves
60 Andaman Port Blair Cooking with a family in Punakha Valley
61 Bhutan Bhutan Mandala, Sample with coloured grains
62 Bhutan Bhutan Archery Demonstration w/Bamboo Bow & Arrow
63 Bhutan Bhutan Guest Speaker on Gross National Happiness,
Bhutan, Buddhism
64 Bhutan Bhutan Cultural Show
Serving tea to nuns in a temple during evening
65 Bhutan Bhutan prayers
Tsewang/Longevity Blessing Ceremony
66 Bhutan Bhutan Hoisting of the Lung Dhar/Prayer Flags
Traditional Wedding/Vow Renewal
67 Bhutan Bhutan Visit to New Farm House
68 Bhutan Bhutan
69 Bhutan Bhutan
70 Bhutan Bhutan

Page 36 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

71 India Agra Kachpura Village Walk private tour with vehicle,
driver and guide.
72 India Agra
Sunrise visit Taj Mahal with private excursion with
73 India Agra driver and guide

74 India Agra Half day SIGHTSEEING TOUR of Agra (includes the
Taj Mahal) private tour vehicle, driver and guid
75 India Agra
Sunset visit of Metah Bagh to view the Taj Mahal
76 India Agra private excursion with driver and guide

77 India Agra Excursion to the Red Fort and other City Sites
private excursion with driver and guide
78 India Agra
79 India Agra Sunset visit to the Taj Mahal private excursion with
80 India Agra driver and guide
81 India Agra
82 India Alleppey Visit to the Taj Mahal private excursion with driver
83 India Alleppey and guide
84 India Alleppey
Visit to Metah Bagh to see the Taj Mahal private
85 India Alleppey excursion with your driver only
86 India Alleppey Old Agra: The Road Not Taken
87 India Almora Beyond the Taj Mahal – Tales from Across the River
88 India Amritsar The Mystical Braj

89 India Amritsar Cruise down the Kerala backwaters (overnight)
private houseboat with crew
90 India Amritsar Rice Boat Cruise private boat with crew
91 India Amritsar Day cruise along Keralan backwaters to Thotapally
92 India Amritsar private houseboat with crew
93 India Amritsar
94 India Athoor/Dindigul Walking Tour of Alleppey shared excursion with an
English speaking guide
Kerala Tuk Tuk ride
Walking in the Kumaon Himalayas
Discovering Amritsar private excursion with
vehicle, driver and guide.

Closing the Border Ceremony private excursion
with your driver only

Putting to Bed Ceremony private excursion with
vehicle and guide.
Walking Tour of Old Amritsar
Half day Amritsar Sightseeing Tour
Half day Wagah Border visit
Experience a unique village tour staying at Lakeside
Guesthouse, Athoor

Page 37 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

95 India Aurangabad Visit to Ajanta, Ellora, Daulatabad fort &
96 India Bandhavgarh Aurangabad SIGHTSEEING TOUR
97 India
98 India Bengaluru AM + PM Jungle Safari by Exclusive Jeep
99 India Bengaluru
Bengaluru Private Vineyard Visit and Lunch with Local Wine
100 India Aficionados
Bengaluru
Yoga & Spirituality tour
Classical Retreat – Treat with tabla (musical
instrument)

Yoga & Spirituality tour
Food Tour – Street Food experience.

Cooking Demo – Meet & greet by local traditional
family and experience typical south indian food
(Veg). Clients also can join & cook the food, this will
be about 5hrs activity as clients will have to shop
and bring the vegetables, then join in cooking
demo. I will send brief update on this.

101 India Bengaluru Mysore Special Tour (3 Days)
Day 1 – Half Day Experience - Tipu’s Trail
102 India Bharatpur Srirangapatna
Day 2 – Full Day Experience - Vintage Mysore Tour
103 India Bhopal Day 3- Full Day Experience - Religion and Spirituality
Tour
104 India Bhopal
105 India Bhopal Excursion to Keoladeo Bird Sanctuary on cycle
106 India Bhopal rickshaw private excursion with guide
107 India Bhopal
108 India Bhopal EXCURSIONS FROM BHOPAL - SATPURA NATIONAL
109 India Bhopal PARK
110 India Bhopal
111 India Bhopal SIGHTSEEING TOUR: Taj Ul Masjid, Moti
112 India Bhubaneswar Masjid,Museum of Man,Birla Temple,Upper Lake

113 India Bhubaneswar EXCURSIONS TOUR - SANCHI
EXCURSIONS TOUR - UDAIGIRI CAVES
EXCURSIONS TOUR - VIDISHA
EXCURSIONS TOUR - BHIMBETKA ROCK SHELTERS
EXCURSIONS TOUR - BHOJPUR TEMPLE
EXCURSIONS TOUR - ISLAMNAGAR
EXCURSIONS TOUR - PACHMARHI

Bhubaneswar – Chilka Lake - Enjoy a boat ride on
the lake.

Bhubaneswar - Explore Ancient Temples and Jain
trails

Page 38 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

114 India Bhubaneswar Bhubaneswar – Dhauli – Hirapur

115 India Bhubaneswar Bhubaneswar- Cuttack

116 India Bhubaneswar Bhubaneswar- Ratnagiri - Lalitagiri- Udayagiri
117 India Bhubaneswar Bhubaneswar – Nuapatna/Sadeibarani

118 India Bhubaneswar Bhubaneswar – Pipli – Konark

119 India Bhubaneswar Bhubaneswar– Puri – Raghurajpur

120 India Bhubaneswar Bhubaneswar – Nandankanan Zoo & Museum

121 India Bikaner Half day excursion to Gajner wild life sanctuary +
Kolayat lake ghats.

122 India Bikaner Half day SIGHTSEEING TOUR of Bikaner private tour
with vehicle, driver and guide.

123 India Bikaner Half day SIGHTSEEING TOUR of Bikaner . ( Fort &
Camel Breeding farm )

124 India Bikaner Half day excursion to Deshnok rat temple .

125 India Bundi Sightseeing in Bundi private vehicle with driver and
guide

126 India Chambal Sailing on the Chambal River

127 India Chambal Sanctuary Bird watching excursion by boat on the Chambal
River shared excursion accompanied by your guide

128 India Chambal Sanctuary Visit to Bateshwar Temples on the River Yamuna
private excursion with driver and guide

129 India Chennai An Afternoon with Sabita Radhakrishna
130 India Chennai A Walk of San Thome Cathedral with Father Dr.
Kiran

131 India Chennai Visit to the Koyambedu fresh vegetable & flower
market – An amazing riot of colours

132 India Chennai Half day SIGHTSEEING TOUR of Chennai by car
private tour with vehicle, driver and guide

133 India Chennai Fullday SIGHTSEEING TOUR of Chennai by car
private tour with vehicle, driver and guide

134 India Chennai Excursion to Tirupathi temple by car private tour
with vehicle, driver and guide

135 India Chennai Excursion to Kanchipuram & Mahabalipuram by car
private tour with vehicle, driver and guide

136 India Chennai Excursion to Kancipuram by car private tour with
vehicle, driver and guide

137 India Chettinad Tour of Karaikudi and nearby villages private tour
with driver and guide

Page 39 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

138 India Chettinad Sightseeing tour of Chettinad by car private tour
with vehicle, driver and guide
139 India Chhatra Sagar
Village Safari by Jeep shared excursion with an
140 India Chhatra Sagar English speaking guide

141 India Cochin Local Farm Walk shared excursion with an English
speaking guide
142 India Cochin
Evening Harbour cruise. Private transfer and shared
143 India Cochin boat.

144 India Cochin Cochin SIGHTSEEING TOUR private tour with
vehicle, driver and guide.
145 India Cochin
146 India Cochin Cochin Walking Tour private excursion with your
147 India Cochin guide
148 India Cochin
149 India Cochin Kathakali Dance Evening private vehicle with your
150 India Cochin driver.
151 India Combaitore
Rediscover Matancherry with ex Tuk Tuk driver
152 India Darjeeling Markose

153 India Darjeeling Discover the Ancient Landscape of Muzuris
Demystifying Kathakali
Rediscover Kerala’s Backwaters
Walking tour of Cochin
Kerala Tuk Tuk ride

Explore Nature’s Design – In Search of the Lion-
Tailed Macaques

Ride on Darjeeling Himalayan Railway
unaccompanied, shared train carriage
Excursion to Tiger Hill and Ghoom Monastery
private excursion with your vehicle, driver and
guide.

Page 40 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Excursion in Darjeeling

Day 01

Early morning visit Tiger Hill and Ghoom
Monastery.
Tiger Hill :- It is 13 kms from Darjeeling and one can
see beautiful sunrise and Himalayan Range like
Kanchandzonga , Mount Everest etc. One can see
the horizon changing colors just before sunrise and
then the entire Himalayan range turn golden. It is
truly a majestic sight.
Ghoom Monastery:- This is oldest Monastery in the
area which was built in 1875 and one can see the
image of Mythey Buddha 15ft. height on the way
back from Tiger Hill

154 India Darjeeling Breakfast at the hotel and go for Enjoy toy train
ride.(Subject to operation of this train & availability
of the seats)
Toy Train Ride
The spectacular landscape unfolds as the 2-foot
gauge Darjeeling Himalayan railway, opened in
1881, labours at about 10 mph criss-crossing the
road. It has tiny 4-wheel locomotives (some over
100 years old) like living legends. One can
experience the sound, smell and romance of a
bygone era. DHR is a work of genius and
technological achievement of 1881. It has social and
cultural importance. It is beautiful and has
outstanding universal appeal. Based on its unique
features, it is considered to be of lasting
significance to mankind.

Afternoon proceed for SIGHTSEEING TOUR.
Himalayan Mountaineering Institute/Padmaja
Naidu Himalayan Zoological Park(Both Closed on
Thursday) . The Himalayan Mountaineering
Institute was started in Darjeeling when Tenzing
Norgay climbed Everest to give training to learn
Mountaineering and other adventure sports related
to mountaineering and in that Institute one can see
equipment etc.used by Mr. Tenzing Norgay and
Everest Museum having complete details on

Page 41 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

Everest attached to institute one can visit
Himalayan Zoological Park where one can see
Himalayan animals like Snow Leopard, Tibetan
Wolf, Tibetan Yak, Himalayan Black Bear and
several varieties of birds.
Tibetan Self- Helf Centre Or Refugee Centre(Closed
on Sunday):- This institute is run by Tibetan
Refugees to preserve their handicrafts and one can
see making of Tibetan Carpets, Leather work,
Paintings and Wooden work etc.

155 India Delhi Old Delhi Bazaar & Food Walk with Masterji Kee
Haveli
156 India Delhi
Old and New Delhi SIGHTSEEING TOUR, including
157 India Delhi guided walk private vehicle with driver and guide
Old Delhi SIGHTSEEING TOUR, including a guided
158 India Delhi walk (Half day) private vehicle with driver and
guide
159 India Delhi Half Day New Delhi SIGHTSEEING TOUR private
tour with vehicle, driver and guide
160 India Delhi
Old and New Delhi SIGHTSEEING TOUR private tour
161 India Delhi with vehicle, driver and guide.

162 India Delhi Half Day Old Delhi SIGHTSEEING TOUR private
163 India Delhi vehicle with driver and guide
164 India Delhi
165 India Delhi Excursion to The Red Fort excursion with driver and
166 India Delhi guide
167 India Delhi
168 India Delhi Hope Project walk in Nizamuddin Basti private
169 India Delhi excursion with driver and guide

Old Delhi By Rickshaw (Shah Jahan Tour)
Old Delhi By Rickshaw (Mumtaz Mahal Tour)
Old Delhi By Rickshaw (Jahanara Tour)
Chandni Chowk by Night
Kabootar Baazi – Pigeon Flying
Delhi by Cycle (Shah Jahan Tour - Old Delhi)
Delhi by Cycle (Raj Tour - New Delhi)

Page 42 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

170 India Delhi Delhi by Cycle (Yamuna Tour)
171 India Delhi Delhi by Cycle (Nizamuddin Tour)
172 India Delhi Mehrauli by Bicycle
173 India Delhi Sufism, the Heart of Islam
174 India Delhi Delhi on a String
175 India Delhi Morning in Hauz Khas
176 India Delhi Acclimatization Photo Workshop
177 India Delhi Street Photography
178 India Delhi Shahjahanabad- A Journey through Old Delhi
179 India Delhi Delhi before New Delhi
180 India Delhi Sketching Tour of Mehrauli
181 India Delhi Delhi by Night
182 India Delhi Mutiny Tour
183 India Delhi In Search of Lost Water
Dharamasala and McLeod Ganj Tour private vehicle
184 India Dharamasala with driver and guide
Jeep Drive to Waterfall
185 India Goa Fishing Expedition
186 India Goa Sea Trip or Island Tour
187 India Goa Royal Yacht
188 India Goa Elephant & Spice Goa
189 India Goa Tribal & local cuisine tour : Mishing, Deori, Rabha
tribal village tour
190 India Guwahati
Wildlife : Deporbill Bird sanctuary, Pobitora Wild
191 India Guwahati Life Sanctuary and Kukurmara for River Dolphins
excursions.
192 India Guwahati
Temple Tours : Kamakhya temple, Umananda
193 India Guwahati temple, Navagraha temple

194 India Guwahati General sightseeing : Sate Museum, State Zoo and
Sankardev Kalakshetra
195 India Gwalior Art & Craft : Sualkuchi Village & State Emporium
Light & Sound show at the Fort & Padawali,Mitawali
196 India Haridwar & Bateshwar Temples

197 India Hyderabad Exploring Haridwar private excursion with your
198 India Hyderabad guide
199 India Hyderabad The Biryani Trail
Cooking Class
Cooking Demo

Page 43 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

200 India Hyderabad SIGHTSEEING TOUR of Hyderabad private excursion
201 India Hyderabad with driver and guide
202 India Hyderabad
203 India Hyderabad The Old City Trail
204 India Hyderabad The Qutubshahi Trail
205 India Hyderabad The Necropolis Trail
206 India Hyderabad Palaces, Devdis & Royal Guesthouses Trail
207 India Hyderabad The Museum Trail
208 India The White Mughal Trail
209 India Indore The Weaver’s Trail
210 India Indore SIGHTSEEING TOUR: Kaanch Ka Mandir, Rajwada,Lal
211 India Indore Bagh Palace, Chattris
212 India Indore EXCURSIONS TOUR - MANDU
213 India Indore EXCURSIONS TOUR - MAHESHWAR
214 India Jabalpur EXCURSIONS TOUR - OMKARESHWAR
215 India Jabalpur EXCURSIONS TOUR - UJJAIN
216 India Jabalpur SIGHTSEEING TOUR: Madan Mahal,Museum, Guari
217 India Jabalpur Ghat
218 India Jaipur EXCURSIONS TOUR - BEDAGHAT / MARBLE ROCKS
219 India Jaipur EXCURSIONS TOUR - KANHA
Jaipur EXCURSIONS TOUR - BANDHAVGARH
220 India
Jaipur Cooking lesson and meal with a local family private
221 India excursion with your english speaking host
Jaipur Jeep Safari at Nimaj Palace
222 India Half day Jaipur SIGHTSEEING TOUR private tour
223 India Jaipur with vehicle, driver and guide.
224 India Jaipur
Jaipur Half day excursion to the Amber Fort Palace private
225 India tour with vehicle, driver and guide.
Jaipur
226 India Excursion to Amber Fort Palace and Jaipur City
Jaipur private excursion with driver and guide

Half day tour of craftsmen in the old bazaars of
Jaipur private excursion with your driver and guid
Classic Joyride (From Oct - Dec)
Walking Tours - Amber - Beyond the Fort (Private &
Shared Walk)

Walking Tours - Evening Bazaar, Cuisine & Crafts of
Old Jaipur (Private & Shared Walk)

Walking Tours - Temples and Havelis of Old Jaipur
(Private & Shared Walk)

Page 44 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

227 India Jaipur Walking Tours - Art & Antiquities Walk (Private &
228 India Jaipur Shared Walk)
229 India Jaipur
230 India Jaisalmer Full day visit of Samode Palace
Jaipur Tuk Tuk ride
231 India Jaisalmer
Gala Dinner at Campsite with Rajasthani Folk Music
232 India Jaisalmer and Dance
233 India Jaisalmer
234 India Jodhpur Exclusive Dinner On the Dunes with Rajasthani Folk
235 India Jodhpur Music and Dance
236 India Jodhpur
237 India Jodhpur Jaisalmer SIGHTSEEING TOUR on foot private tour
238 India Jodhpur with your guide.
239 India Jodhpur
Turban tying Demonstration
240 India Jodhpur Mehrangarh - Cook in a Blue House
Overlander Day Drive ‘Desert Experience’
241 India Jodhpur Overlander Overnighter (For Family)
242 India Jodhpur Jeep excursion to Bishnoi Village
243 India Jodhpur Cooking Demo and Dinner with Royal/Noble Family
244 India Jodhpur
245 India Jodhpur Half Day Jodhpur SIGHTSEEING TOUR private tour
246 India Jodhpur with vehicle, driver and guide.
247 India Kanha
248 India kanha Jodhpur SIGHTSEEING TOUR including a guided
walk in the Old City (Half day) private excursion
249 India Khajuraho with driver
250 India Khajuraho
251 India Kodaikanal Walking tour private tour with guide
A Day with Art Patrons
252 India Kolkata The Bandhani Art of Jodhpur
Mehrangarh - Walk down from Mehrangarh Fort
253 India Kolkata Community Spaces- The Setrawa Project
Painting & Art Tour at Jog Niwas
Out of the Ordinary Kanha Experience
Morning & Afternoon Jungle Safari by Exclusive
Jeep
Guided Tour of the Temples private excursion with
driver and guide
Half Day tour of Khajuraho
Sightseeing tour of Kodaikanal of by car private
tour with vehicle, driver and guide

Half day Hooghly river cruise with life saving jackets
on board.

Calcutta walking tour private excursion with your
guide

Page 45 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

254 India Kolkata Calcutta SIGHTSEEING TOUR private tour with
255 India Kolkata vehicle, driver and guide.
256 India Kolkata
257 India Kolkata Walking Tour - Park Street on Foot
258 India Kolkata Walking Tours - Dalhousie Square on Foot
259 India Kolkata Walking Tours - Sova Bazaar on Foot
260 India Kolkata Walking Tours - Confluence of Culture Walk
261 India Kolkata Enjoy an Adda session With Locals
262 India Kolkata Walking Tours - Walking Around the Oberoi Grand
263 India Kolkata Walking Tours - Mullick Ghat Flower Market on
264 India Kolkata Foot
265 India Kolkata Textile Workshop for 2 Days
266 India Kolkata Full day excursion to Vishnupur Temple
267 India Kolkata Full day excursion to Chandernagar ( By Surface)
268 India Kolkata Vishnupur trip 01 night / 02 days
269 India Kolkata Full day excursion to Shantiniketan
270 India Kolkata Shantiniketan trip 01 night / 02 days
271 India Kothamangalam Full day excursion to Mayapur
Sunderban trip 01 night / 02 days
272 India Kumarakom Sunderban trip 02 nights / 03 days

273 India Kumbakonam Guided excursion to Thattekad Bird Sanctuary -
morning private vehicle with driver and guide
274 India Kumbakonam
Cruise on the Kerala backwaters private houseboat
275 India Leh Ladahk with crew

276 India Leh Ladahk Visit to a school to listen to young children reciting
Vedic chants who are priests in training (For 1-10
pax)

Sighseeing tour of Kumbakonam & darasuram
temples by car private tour with vehicle, driver and
guide

Mountaineering - Climb (6000 mts.) - Ladakh is
mountaineers delight having several mountain
ranges like Karakoram, Zanskar and Ladakh Ranges.

Trekking - Ladakh is a haven for trekkers. The
rugged landscapeof Ladakh offers many routes for
trekkers, ranging from beginners to experienced
outdoor enthusiasts. Trekking is possible from May
to October before thesnowfall begins.

Page 46 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

277 India Leh Ladahk Rafting - The swift-flowing Indus and Zanskar Rivers
offer rafting enthusiasts excellent venues for white-
278 India Leh Ladahk water rafting.
279 India Leh Ladahk
280 India Leh Ladahk Jeep Safari
281 India Leh Ladahk
282 India Leh Ladahk Simply a paradise for those who wants to explore
283 India Lucknow Himalaya while driving his SUV or riding a bike.
284 India Lucknow
285 India Lucknow Wedding on Moonland
286 India Lucknow Village Walk / Bird watching
Polo Match / archery
287 India Lucknow
288 India Lucknow Dine with a local family of Lucknow in a traditional
289 India Lucknow Awadhi style
290 India Lucknow
291 India Lucknow Dine with the Maharaja in Lucknow
Evening Culinary Walk
292 India Lucknow
Meals on Wheels - enjoy your meals in style while
293 India Lucknow travelling in our car

294 India Madurai Village Cuisine Experience (unlearn urban, learn
rural)
295 India Madurai
Lucknow Heritage Walk
296 India Madurai Tornos’ Victorian Walk

297 India Madurai Afternoon Tea At The Tornos Studio (By
Appointment)

Mango Orchard Sojourn

Kankave Baazi (Kite Flying) - “Throw your dreams up
in the sky like a kite, and it may bring back, a new
life, a new love, a new friend or a new foe.”

COLOURFUL DHOBI GHAT (Washer men colouring
the banks of river Gomti) “they spend their lives
trying to break a huge rock with a flimsy piece of
cloth”
Excursion to Meenakshi Temple 'Going to Bed'
Ceremony private excursion with your guide

Sightseeing tour of Madurai private excursion
accompanied by your guide

Madurai Rickshaw Tour private excursion by
rickshaw accompanied by your guide.

Excursion to Batalagundu village visit enroute visit
Jasmine farm and experience the local live market
and lunch with local family by car private tour with
vehicle, driver

Page 47 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

298 India Madurai Excursion tour of Chettinad by car private tour with
vehicle, driver and guide

299 India Mahabalipuram Excursion to Mahabalipuram by car private tour
with vehicle, driver and guide

300 India Mahabalipuram Bicycle tour in Mahablipuram with local guide

301 India Mahabalipuram Excursion to Kancipuram by car private tour with
vehicle, driver and guide

302 India Mahabalipuram Excursion to Vedathangal Bird sanctuary by car
private tour with vehicle, driver and guide ( Oct to
Mar every year)

303 India Mahabalipuram Sightseeing of Mahablipuram by Auto rickshaw with
local guide.

304 India Manwar Jeep safari at Manwar

305 India Mararikulam Village Rubble - There are various programmes of
village rubble and it can be done from the Cities
Cochin , Kumarakom, Alleppey and Mararikulam.

306 India Mumbai (Bombay) Victoria Tour (Buggy Ride) with guide.

307 India Mumbai (Bombay) Bombay SIGHTSEEING TOUR (Half day) private
excursion with driver and guide.

308 India Mumbai (Bombay) Half day Mumbai Market Tour private excursion
with driver and guide

309 India Mumbai (Bombay) Half-day Dharavi Slum tour shared excursion with
an English speaking guide

310 India Mumbai (Bombay) Elephanta Tour private excursion with driver and
guide

311 India Mumbai (Bombay) Heritage Walking Tour with driver and guide.
312 India Mumbai (Bombay) Kanheri Caves Tour with driver and guide.
313 India Mumbai (Bombay) Khotachiwadi Tour with driver and guide
314 India Mumbai (Bombay) Banganaga Tour with driver and guide.
315 India Mumbai (Bombay) Dabbawala Tour with driver and guide.
316 India Mumbai (Bombay) Bollywood Tour
317 India Mumbai (Bombay) Mumbai By Dawn
318 India Mumbai (Bombay) Worli Fishing Village Tour
319 India Mumbai (Bombay) For God’s Sake- The Religious Sojourn
320 India Mumbai (Bombay) The Mumbai Dreams

321 India Munnar Tea Tasting Experience private excursion with your
driver only

322 India Mysore Half day tour of Mysore private excursion with
driver and guide

Page 48 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

323 India Mysore City Palace Illuminations - evening visit private
excursion with driver and guide
324 India Mysore
Excursion to Ranganathittu Bird Sanctuary and
325 India Mysore Srirangapatnam private tour with vehicle, driver
326 India Mysore
327 India Mysore Mysore Full Day Tour private excursion with your
guide
328 India Mysore Royal Mysore Walks - A Bagful of Trivia and more
329 India Mysore
330 India Nagpur Royal Mysore Walks - A Bagful of Trivia and more
331 India Nagpur (For Experiential - HD)
332 India Nagpur
333 India Nagpur Mysore on a Bycycle - An intimate introduction to
Mysore
Mysore Vintage Jeep Tour
SIGHTSEEING TOUR: Dragon Temple, Diksha
Bhoomi , Rail Museum
EXCURSIONS TOUR - TADOBA
EXCURSIONS TOUR - PENCH
EXCURSIONS TOUR - KANHA

Page 49 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044

HDFC ERGO General Insurance Company Limited

334 India Odisha and Cultural and Rustic Routes of Odisha and
Chhattisgarh Chhattisgarh
Day 01 --- Arrive Bhubaneswar
Day 02 --- Bhubaneswar – Temples and Caves
Day 03--- Bhubaneswar – Nuapatna/Sadeibarani –
Bhubaneswar – 240kms/3.5hrs
Day 04 --- Bhubaneswar – Pipli - Konark – Puri –
110kms/3hrs
Day 05--- Puri – Chilka Lake – Gopalpur -
200kms/4hrs
Day 06 - Gopalpur – Taptapani -Rayagada -
235kms/5.5hrs
Day 07--- Wed - Rayagada- Chatikona – Jeypore -
Must be a Wednesday- 225kms/5.5hrs
Day 08--Thu -Jeypore - Onukudelli – Jeypore - Must
be a Thursday- 190 kms / 4hrs
Day 09 --- Fri - Jeypore – Kunduli - Jagdalpur- Must
be a Friday – 220kms/5hrs
Day 10 --- Sat – Jagdalpur – Must be a Saturday
Day 11 --- Sun – Jagdalpur – Bastar - Kondagaon –
Kanker – Must be a Sunday – 165kms/3.5hrs
Day 12 --- Mon – Kanker – Rajim – Bhoramdeo -
310kms/6hrs
Day 13 --- Tue – Bhoramdeo
Day 14 --- Wed – Bhoramdeo – Raipur –
130kms/3.5hrs
Day 15 – Thu - Raipur departure

335 India Ooty Tour of Ooty private vehicle with driver and guide
336 India Palakkad Exploring Palakkad excursion with your host
337 India AM + PM Jungle Safari by Exclusive Jeep
338 India Pench Excursion to a spice plantation shared excursion
339 India Periyar Wildlife with driver and guide
Sarangkot Hill
340 India Sanctuary
Pokhara Jeep safari to Top sleep with local escort ,vechicle,
341 India driver this was organised by Banyan tree farm
Pollachi Pollachi
342 India
Pondicherry Cooking demonstration in a local home. small
group demonstration
Pondicherry
SIGHTSEEING TOUR of Pondicherry private vehicle
with driver and guide.

Page 50 of 54

HDFC ERGO General Insurance Company Limited. (Formerly HDFC General Insurance Limited from Sept 14, 2016 and L&T General Insurance Company Limited upto Sept 13, 2016).CIN:
U66030MH2007PLC177117.Registered & Corporate Office: 1st Floor,HDFC House, 165 - 166 Backbay Reclamation,H. T. Parekh Marg, Churchgate, Mumbai - 400 020. Customer Service Address: D-301, 3rd
Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. Toll Free Number: 1800 2700 700 Te.: +91 22 6638 3600 | Fax: 91 22 6638 3699 | [email protected] |

www.hdfcergo.com UIN NO: IRDAN125P0005V012003044


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