The following conditions have to be kept in mind before buying this policy. First US$ 100 of all claims is to be borne by the traveller. For travelers over 70 years of age and above 60 days of journey, the following medical reports (from an MD Cardiologist) need to be submitted along with the proposal form: ECG Fasting Blood Sugar or Urine Strip test In case of travellers unable to submit the above medical reports, cover stands restricted to USD 10,000.