Travel Safe
Trekking Insurance – Himalaya Shelter
Insurance coverage for eligible treks, arranged through ASC360
₹50
per person per day
Below 6,000 m
eligible trekking activities
1 – 70 years
age eligibility
7 days
to report an incident
At Himalaya Shelter, the safety and well-being of our trekkers are important to us. To provide financial protection against certain unforeseen incidents during eligible trekking activities, insurance coverage is available under the applicable policy arranged through ASC360.
This page outlines the insurance premium, coverage benefits, eligibility conditions, claim process, exclusions, cancellation policy, and terms and conditions applicable to the insurance plan.
Please read the following information carefully before booking your trek.
Plan Conditions
2.1 Documents Required for Claims
Date-of-joining confirmation and valid photo identification are required when submitting an insurance claim. Additional documents may be requested by the insurer during claim assessment.
2.2 Coverage Eligibility
Coverage is applicable to eligible individuals who have registered in advance for trekking and adventure packages officially booked through Himalaya Shelter, subject to confirmation of the policy arrangement with ASC360.
The policy applies only to eligible trekking activities below 6,000 metres and covers the duration of the approved itinerary. Mountaineering activities, whether below or above 6,000 metres, are not covered under the stated ₹50-per-day rate.
Coverage is subject to the final terms and conditions approved by the insurer.
2.3 Definition and Duration of Adventure Activity
For the purpose of the policy, an adventure activity refers to an activity undertaken by a registered customer after an official booking, in accordance with the rules and regulations of the relevant authorities and under the supervision of designated staff.
Coverage begins on the first day of the confirmed Himalaya Shelter trek itinerary and ends on the final day of that itinerary, subject to the applicable policy terms.
Coverage does not automatically extend to activities undertaken outside the approved itinerary.
2.4 Enrolment and Verification
Himalaya Shelter will maintain the required registration details for eligible participants and share the relevant information with the insurer as required under the confirmed insurance arrangement.
In the event of a claim, the participant's details will be verified against the registration information submitted to the insurer.
Documents that may be required include:
- Insurance enrollment or registration confirmation.
- Original booking receipt, where required.
- Valid photo identification.
- Indemnity bond, where applicable.
- Evidence of registration for the trekking activity.
- Incident-related documents establishing that the event occurred during the covered activity.
- Medical reports, bills, claim forms, and other supporting documents requested by the insurer.
2.5 Claim Process
In the event of an accident, injury, or other incident during a covered trek, participants should follow these steps:
- 1
Report the incident
Inform the Himalaya Shelter trek leader or designated representative immediately.
- 2
Contact ASC360
Notify the insurance assistance team using the emergency contact details provided below.
- 3
Verify eligibility
Himalaya Shelter will assist in verifying the participant's registration and whether the incident occurred during the covered itinerary, as required by the policy.
- 4
Submit the claim
The participant or relevant policyholder must submit the claim and supporting documents to the insurer through the prescribed process.
- 5
Complete documentation
Provide all additional information requested by the insurer within the applicable deadlines.
Medical evacuation requires prior approval under the stated policy conditions. Participants should contact the insurance assistance team for authorisation and coordination, wherever feasible.
The total liability of the insurer for each insured participant will not exceed the applicable benefit limit associated with a single UHID or Unique ID, irrespective of the number of UHIDs or Unique IDs under which that participant may be covered.
All claims remain subject to the insurer's assessment and the applicable policy terms.
2.6 Addition and Deletion of Participants
The insurance premium will be charged on a per-trip basis according to the participant details declared by Himalaya Shelter and accepted under the insurance arrangement.
2.7 Claim Intimation and Documentation Deadlines
7 days
The claim must be reported within 7 days of the occurrence of the incident.
30 days
All required paperwork must be completed within 30 days from the date of the incident.
Failure to meet these deadlines may result in the claim being inadmissible under the stated policy conditions.
Participants should report incidents as soon as possible and retain all relevant documentation.
2.8 Premium Refunds and Policy Endorsements
No premium refund will be provided for the deletion of a participant after the covered activity has commenced. The full premium will be chargeable for activities covered under the policy, subject to the applicable terms.
Any endorsement relating to the addition of a participant will take effect from the date of addition and will not apply retrospectively from the inception of the policy.
Exclusions
The following exclusions apply under the supplied policy terms. Please review the official policy wording for the complete and legally applicable list of exclusions.
- Suicide, attempted suicide, or intentional self-inflicted injury; sexually transmitted conditions; mental disorders; anxiety; stress; or depression.
- Incidents occurring while under the influence of drugs, alcohol, intoxicants, or hallucinogens.
- Participation in an actual or attempted felony, riot, civil commotion, crime, or misdemeanour.
- Breach of applicable law with criminal intent.
- Death or disability resulting from pregnancy or childbirth.
- Claims relating to a professional sports team for benefits specifically associated with the inability to perform.
- Participation in any motor speed contest.
- Incidents occurring while engaged in aviation, boarding or disembarking from an aircraft, or travelling in an aircraft, except where the policy exception for fare-paying passengers applies.
- Underground mining or work as a contractor specialising in tunnelling.
- Radioactivity, nuclear risks, or ionising radiation.
- Activities or customers outside the eligibility requirements of the applicable policy.
- Coverage is restricted to Indian nationals and expatriates working in India, as specified in the supplied policy terms.
- Pre-existing diseases are not covered, whether declared or undeclared.
- Flight-related cancellations, rescheduling, and delays are not covered.
- Medical evacuation requires prior approval.
- Age eligibility: Minimum 1 year and maximum 70 years, subject to the policy's eligibility conditions.
- Losses arising from delays in evacuation, hospital admission, medical attendance, or other unforeseen circumstances are subject to the limitations of liability and terms stated in the insurance policy.
The insurance policy does not cover every possible incident or expense. Participants should review all applicable exclusions and benefit limits before departure.
Cancellation Policy
The following cancellation terms have been provided for the insurance arrangement:
7 days or more before the event
100% refund
3–6 days before the event
20% cancellation fee
Within 48 hours of the event
30% cancellation fee
After the event has commenced
No refund
Cancellation of a trek booking and cancellation of an insurance policy may be governed by different conditions. Refund eligibility will be determined by the applicable insurance arrangement.
Terms and Conditions
5.1 Misrepresentation and Fraud
If any act or omission by the proposer or its clients amounts to negligence, misrepresentation, or fraud, liability may be limited in accordance with the applicable agreement and policy terms.
The supplied agreement provides that ASC360 shall not be held liable for costs, consequences, or liabilities arising from such conduct, and that the proposer may be required to indemnify ASC360 for associated costs and consequences.
5.2 Correct Particulars
Participants are responsible for providing accurate personal and registration details required for insurance enrolment.
Incorrect, incomplete, or misleading information may affect eligibility, coverage, or the assessment of a claim. Responsibility for losses arising from incorrect particulars will be determined in accordance with the applicable agreement and policy terms.
5.3 Force Majeure
Neither party will be considered in breach of an obligation where circumstances beyond its reasonable control prevent, hinder, or delay performance, provided that the relevant conditions of the applicable agreement are met.
Such circumstances may include events that a party could not reasonably prevent or overcome through due diligence.
5.4 Severability
If any provision of these terms is found to be unlawful, invalid, or unenforceable, that provision may be severed to the extent required, while the remaining provisions continue to apply where legally valid and enforceable.
5.5 Jurisdiction
The supplied agreement states that it is governed by the laws of India and that disputes between ASC360 and the proposer are subject to the jurisdiction of the High Court of New Delhi and subordinate courts in New Delhi only.
Limitation of Liability
ASC360 acts as an insurance intermediary and is not the insurer responsible for settling claims. The insurer's liability is limited to the coverage, benefit limits, and conditions specified in the applicable insurance policy.
Himalaya Shelter may assist participants with registration verification, documentation, and coordination during an incident, where appropriate. However, it cannot guarantee claim approval, reimbursement, or the availability of emergency evacuation.
Mountain environments can present unpredictable challenges. Delays in evacuation, hospital admission, medical assistance, or other emergency services may occur due to weather, terrain, accessibility, and other circumstances beyond reasonable control.
All claims and benefits are subject to the applicable insurance policy and the insurer's final assessment.
Important Disclaimer
Himalaya Shelter facilitates eligible trekking bookings and may assist participants with the applicable insurance registration and claim documentation. It is not the insurance company, and insurance benefits are provided only in accordance with the policy issued by the authorised insurer.
The insurance assistance provider and insurer are responsible for their respective roles under the applicable agreement. The final decision on claim admissibility and settlement rests with the insurer, subject to the policy terms and applicable law.
Himalaya Shelter will make reasonable efforts to assist participants and coordinate with the relevant parties when required. However, insurance coverage, claim settlement, and emergency evacuation cannot be guaranteed beyond the terms of the applicable policy.
Participants are advised to read the policy documents carefully, provide accurate information, follow safety instructions, and retain all relevant booking and insurance documents throughout their trek.
Emergency Assistance
For emergency assistance relating to the insurance policy, contact the provided number: 8448765102
In an emergency, inform your trek leader or designated Himalaya Shelter representative as soon as possible. Follow the instructions provided by the assistance team and seek appropriate medical attention.
For questions regarding insurance coverage applicable to a particular trek, please contact the Himalaya Shelter team before departure.