Travel Insurance for Senior Citizens

Taking a holiday in your golden years is a dream for many but little inconvenienceand medical problem can sully your enjoyment.

 

Senior Citizen Travel Insurance

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Why do I Need Travel Insurance?

Travelling abroad to a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. Our travel policy covers you for all medical eventualities for just a fraction of the amount you would otherwise need.

  • Covers expenses of hospitalization, loss of baggage and other incidental expenses
  • Covers you against trip cancellation, trip curtailment and burglary of your home*
  • Quick disbursement of claims
  • Global expertise matched with local knowledge
  • Innovative packages to match individual needs
  • Only insurance company with in-house international toll-free numbers and fax numbers
*Offered only with Travel Elite

Does your travel policy offer cashless service?

Yes. Our travel policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).

Best Travel Insurance Co

Coverage:
What does Our Travel Policy Cover?

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Coverages Benefits in US $
Medical Expenses, Evacuation and Repatriation
Any one illness - liability limited to US $12,500. Hospitalisation due to accident - max. liability -US $25,000. Overall max. liability under this head - US $ 50,000, aggregate during the policy period. ++
*50,000
Emergency dental pain relief included in (I) above 500
Loss of Baggage (Checked)
Note: Per baggage maximum of 50% and per item in the baggage max 10%.
250*
Delay of Baggage 100
Personal Accident 25,000
Loss of passport 250
Personal Liability 1,00,000
Hijack $ 50 per day to a
maximum $ 300
Trip Delay -
Emergency Cash Advance++
Cash advance would include delivery charges.
500
Golfer Hole-in-one 250
*Per baggage maximum of 50% and per item in the baggage max 10%. + Any one illness - liability limited to US $12,500. Hospitalisation due to accident - max. liability -US $25,000. Overall max. liability under this head - US $ 50,000, aggregate during the policy period. ++Cash advance would include delivery charges.

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  Silver Gold Platinum
Coverages Benefit in US$ Benefit in US$ Benefit in US$
Medical Expenses,Evacuation
and Repatriation
50,000 2,00,000 5,00,000
Emergency Dental Pain Relief
included in (I) above.
500 500 500
Personal Accident 15,000 25,000 25,000
AD &D Common Carrier 2,500 5,000 5,000
Loss of Baggage (Checked) **
Note: Per Baggage maximum 50 % & per item in the baggage 10 %.
500 1,000 1,000
Delay of Baggage 100 100 100
Loss of Passport 250 250 250
Hijack $50 per day to max $ 300 $60 per day to max $ 360 $60 per day to max $ 360
Trip Delay $ 20 per 12 hrs to
max $ 120
$ 30 per 12 hrs to
max $ 180
$ 30 per 12 hrs to
max $ 180
Personal Liability 1,00,000 2,00,000 2,00,000
Emergency Cash Advance****
Note: Cash Advance Would include delivery charges
500 1,000 1,000
Golfer Hole-in-one 250 500 500
Trip Cancellation 500 1,000 1,000
Home Burglary Insurance Rs.1, 00,000 Rs.2, 00,000 Rs.3, 00,000
Trip Curtailment 200 300 500
Hospitalization Daily Allowance $25 per day to max $100 $25 per day to max $125 $25 per day to max $150
Special Conditions (limit of liability)      
Any one illness 12,500 15,000 17,500
Any one accident 25,000 30,000 35,000
**Per Baggage maximum 50 % and per item in the baggage 10 %. **** Cash Advance Would include delivery charges

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Coverages Benefits in US $
Medical Expenses, Evacuation and Repatriation 50,000
Emergency dental pain relief included in (I) above 500
Personal Accident
Note: Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years
10,000
AD & D Common Carrier 1,500
Loss of Checked Baggage**
Note:Per Baggage maximum 50 % and per item in the baggage 10 %.
500
Delay of Baggage 100
Loss of Passport 250
Hijack $50 per day to max.$300
Trip Delay $20 per 12hrs. to max.$120
Personal Liability 100,000
Emergency Cash Advance+
Note: Cash Advance Would include delivery charges.
500
Golfer's Hole-in-one 250
Trip Cancellation 500
Home Burglary Insurance Rs.1,00,000
Trip Curtailment 200
Hospitalization Daily Advance $25 per day to max. $100
Special conditions*  
Any one illness 10,000
Any one accident 20,000
**Per Baggage maximum 50% and per item in baggage maximum 10%. +Cash advance would include delivery charges.

Policy Benefits
What if I am in Urgent Need of Cash Abroad?

One of the important features of our travel policies is Emergency Cash Advance. It is an assistance service wherein the company facilitates providing emergency cash to the insured during incidents such as theft/burglary of luggage/money or hold ups by co-coordinating with the insured person's relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in the policy schedule.

Cover your Parents

Can I buy insurance from overseas for my parents who live in India and coming to visit me? Will this policy be a valid insurance?

Yes, you can buy Bajaj Allianz travel plan for your parents and relatives using international debit or credit cards. The email copy of the policy is a valid legal document and proof of your insurance cover


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Any Other Special Features?

The Golfer's Hole-in-one is a sporting gesture from the company. It offers reimbursement of expenses incurred in celebrating a hole-in-one by the insured during the trip, anywhere in the world (excluding India), in a United States Golfers' Association recognized golf course. This cover is provided in Travel Companion.

Travel Elite also provides a Golfer's Hole-in-One cover. In addition to this, it covers you against burglary of your home while you are away, along with expenses incurred in the event that your trip is cancelled or curtailed.

Claim Assistance number

In case of you need any mediclaim assistance in abroad all you need to do is call us at the given toll free nos. Click here to view toll free nos.


No Fine-Print
What are the Exclusions Applicable to Travel Policies?

  • Any medical condition or complication arising from it which existed before the commencement of the policy period, or for which care, treatment or advice was sought, recommended by or received from a physician.
  • Routine physical or other examination where there is no objective indication of impairment of normal health.
  • Medical expenses beyond the expiry of the policy period.
  • Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs.
  • Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act.
  • Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
  • Experimental, unproven or non-standard treatment.
  • Treatment by any other system other than modern medicine (also known as Allopathy).
  • The cost of spectacles, contact lenses, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment.
  • Delay of baggag e when the intended destination is in India.
  • Loss or damage to the insured's passport as a result of the confiscation or detention by customs, police or any other authority.
  • Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
  • Loss caused by the insured's failure to take reasonable steps to guard against the loss of passport.

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Travel Insurance Cancellation Procedure

Before the policy start date

  • The insured is expected to inform us and an E mail should be sent by the insured requesting the cancellation.
  • He/she should furnish policy number or schedule number in the E mail.

*There will be a Rs 250/- cancellation charges.

After the policy start date - If the insured has not travelled

Following documents should be sent to us:

  • Proof that the insured has not travelled overseas.
  • Photo copy or Scan copy of all the pages (including empty pages) of the passport.
  • Reason for policy cancellation.
  • Visa rejection letter in case of visa refusal by embassy.

*Based on the underwriters approval the policy will be cancelled within one working day after receiving the email (and passport copy post start date).

After the policy start date - If the insured has travelled

In case of any early return of the insured person prior to expiry of the policy period, the company will refund premium at the rates shown in adjacent table (subject to no claims being incurred on the policy)

Premium to be Retained by Company

Period of Risk
Percentage of Premium
Above 50% of Policy Period
100%
Between 40-50% of Policy Period
80%
Between 30-40% of Policy Period
75%
Between 20-30% of Policy Period
60%
Policy inception-20% of Policy Period
50%

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