Refund Protection - Standard

Overview

Reimburses the non-refundable portion of air fare and service charges when an international flight ticket is cancelled or reissued for an eligible reason, or in case of a genuine no-show. A higher-coverage step-up from Basic.

What's Covered

Any non-refundable portion of the Air Fare and Service Charges charged by the ticketing agent, arising from:

• Air ticket reissue/cancellation due to an Eligible Reason
• No-show at the scheduled flight departure due to an Eligible Reason

Eligible Reasons for Claim

• Insured Person's death or hospitalization due to unanticipated illness/injury
• Death or hospitalization of an Immediate Family Member requiring the Insured Person's presence
• A natural disaster (not forecasted/named in advance) preventing boarding
• Natural disaster at the destination rendering accommodation uninhabitable
• Widespread labor strikes acknowledged by a Public Authority
• Government travel restriction/ban that could not reasonably be anticipated
• Common Carrier cancellation/delay causing a no-show, due to weather, staff strikes, equipment failure, air traffic restrictions, or other carrier operational reasons
• Serious damage to the Insured Person's principal residence (fire, flood, earthquake, etc.) requiring their presence
• Insured Person kidnapped, detained, quarantined, or subpoenaed unexpectedly
• An accident involving the transport used to reach the airport, preventing boarding
• Revoked military leave or reassignment (defense personnel only)
• Termination/lay-off after 3+ years of continuous employment, through no fault of the Insured Person

Exclusions

• Any loss already compensated by the carrier/ticketing agent, or the refundable portion of expenses
• Delays/cancellations publicly announced in advance and reasonably known before booking
• Late arrival at the airport after official check-in time (outside an Eligible Reason)
• Air-fare difference due to rescheduling
• Bulk booking/group tickets
• Criminal or illegal activity
• Political strikes, riots, or civil unrest
• War, terrorism, invasion, rebellion, or similar acts
• Radioactive contamination or nuclear explosion
• Epidemics/pandemics
• Consequential losses and legal liabilities
• Disputed bookings/cancellations
• Visa refusal or change of mind
• Bankruptcy of the airline/ticketing agent

Eligibility & Policy Term

• Insured Person must be a Bangladeshi national aged above 18 years. Minors travelling must have an accompanying parent/legal guardian with a separate subscription on the same booking.
• Coverage starts from the date of ticket purchase and ends on the last flight date per the booking, or on occurrence of a claim, whichever is earlier.

Key Definitions

• Insured Person — a named passenger on a commercial flight PNR who opted for this coverage while booking.
• Immediate Family Member — spouse, children, parents, siblings, and parents-in-law.
• Common Carrier — any licensed scheduled airline transporting fare-paying passengers.