Overseas travel insurance cover shall terminate
i) With the end of Insurance Period i.e. the period for which the premium has been paid or
ii) When the insured person first disembarks on return to India
although insurance companies provide the benefit of Automatic Extension of the Policy if the completion of the insured journey is delayed solely because of a failure of public transportation or other services upon which the insured was reliant.
If you want to extend your policy further due to reason your stay has extended,you can get same extended by contacting us.Norrmally it is done before the expiry of policy.Some insurers provide three days grace after the expiry of policy.