Individual Travel Insurance Online

What is Individual Travel Insurance?

Individual travel insurance is a type of policy designed to provide coverage for unforeseen events during a trip. It helps protect travellers against a range of risks, such as medical emergencies, trip cancellations, or lost check-in baggage. This insurance ensures that individuals can travel with peace of mind, knowing they are financially covered in case of unexpected situations. Coverage often includes medical expenses, travel delays, and lost or stolen personal belongings, allowing travellers to focus on enjoying their trip without worrying about potential risks.

Why Do I Need Personal Travel Insurance?

Excited about ‘leaving on a jet plane’ like the hit song from the 1960’s? Escaping from the clutches of your monotonous daily routine is well and good but planning for travel emergencies needs to be more than an afterhour

After you’ve drawn up a list of the things to do and places to see, it is time to find the best bargains on hotel stays or tour packages. And yes, swimming trunks or suits too (if the destination calls for it, that is)!

Once you’ve got that taken care of, it’s time to think about some other essentials. What’s that, you ask? Well, a plan for handling emergency situations, of course! An Individual Travel Insurance Policy must be a part of such a plan.

Travelling internationally has its fair share of risks. From loss of passport to delay in baggage arrival or medical emergencies, there are many things that can go wrong. Before you leave, evaluate the various risk factors term or duration of travel and personal liability exposure to assess the travel insurance protection that you need.

Consider this: Your baggage gets misplaced shortly after you arrive at your destination or you suffer a medical emergency and need immediate hospitalization. With no familiar faces around, an Individual Travel Insurance can help prevent your dream holiday into an unfortunate saga. Crisis averted!

Having Individual Travel Insurance also protects your finances and guarantees you peace of mind. If you need assistance while abroad, all you need to do is call our toll-free helpline. Our global network enables you to get speedy claims processing and settlement service wherever you may be.

Individual Travel Insurance Policy tops the list of must-haves when risks such as epidemics and natural disasters are considered, because it’ll help you take care of the immense medical costs in such scenarios. Similarly, when faced with an emergency where you urgently need cash, our Individual Trip Plans give you adequate liquidity.

As a professional or a tourist, travelling to a different part of the world can be an exciting experience! With Bajaj Allianz Individual Travel Insurance, you can be sure that as you are leaving on a jet plane, you’re also leaving all your travel worries behind!

Wondering how to get the most economical individual travel plan? Just visit our website to get the latest quotes, compare different trip plans and estimate premium payable with our travel insurance premium calculator. It really is as simple as it sounds!

Features of Individual Travel Insurance

We like to keep it subtle! In an emergency, Bajaj Allianz works behind the scenes to support you.

If you’re in distress, all you have to do is to give a missed call on +91-124-6174720 from anywhere across the world. Our customer service specialists are available round the clock to assist you find solutions no matter where in the world you may be!

The individual travel insurance not only supports you at the time of distress but also covers you if there is a burglary at your home while you are away or if your trip gets cancelled or curtailed.

Quick Settlement of Claims

At Bajaj Allianz, we have aligned our processes to ensure that claims can be settled quickly and efficiently. Leveraging world-class technology and systems, we take pride in having one of the fastest turnaround times in the Industry.

Travel Trip Delay Delight for Automatic Claim Settlement

Travel Trip Delay Delight, our mobile app has been designed to take care of your needs easily and effortlessly. The App has been designed to keep track of the claim status and initiate payouts in an automated manner.

Why Choose Bajaj Allianz General Insurance Company for Individual Travel Insurance?

Bajaj Allianz General Insurance Company stands out as a top choice for individual travel insurance due to the comprehensive plans for travel needs.Wide Coverage Options : Bajaj Allianz General Insurance Company offers both personal travel insurance and gold travel insurance, such as TravelAce Gold, ensuring you can choose the level of protection that fits your journey.Quick and Hassle-Free Claims : The company’s streamlined claims process ensures quick and hassle-free assistance when you need it the most.24/7 Global Assistance : With round-the-clock support, Bajaj Allianz General Insurance Company offers help wherever you are, ensuring assurance throughout your travels.Trusted Reputation : Known for the excellent customer service and reliability, Bajaj Allianz General Insurance Company is a trusted partner for travel protection.

Individual Travel Insurance Covers and Features

We know you like to have options when it comes to places to visit or things to see. Individual Travel Insurance is no different. At Bajaj Allianz, we have come up with individual travel insurance plans that offer value for money along with comprehensive coverage including personal liability protection and emergency cash advance. Here are the details:

Prime has got you covered. Yet, since insurance is a subject matter of the solicitation, we suggest that you read the terms and conditions equally carefully.

What If I Am in Urgent Need of Cash Abroad?

Being stranded in a foreign country is among the 10 worst travel nightmares experienced by people across the world! If you’re ever faced with such a situation in real life, for example, being robbed in another country, you’ll need to think and act decisively. While you can seek help from embassy staffers, police or immigration officials, what about any immediate expenses incurred?

Thankfully, with Individual Travel Insurance, you can get emergency cash with which you can buy emergency supplies and even find a warm place to sleep for the night.

Our Emergency Cash Advance feature makes it possible for you to make the best of an unfortunate situation like the theft or loss of baggage. While you wait for your belongings to be found, an emergency cash advance lets you access emergency services when necessary and also reach out to make calls to your family back in India.

The assistance is offered by coordinating with a relative of yours so as to make emergency cash available to you. The limit of assistance is specified in the policy schedule.

What Are the Situations in Which I Am or I Won’t Be Covered?

Inclusions

- Medical and hospitalization

- Evacuation and repatriation

- Loss/Delay of baggage

- Loss of passport

- Emergency cash advance

Exclusions

- If you were suffering from pre-existing medical condition or a resulting complication before the commencement of the policy.

- If you want to go for normal health checkup without indication of any adverse health condition

- Medical expenses incurred after the expiry of policy tenure

- Medical complications due to attempted suicide or self-inflicted injury.

- Psychological disorders like anxiety/ nervousness/ stress that have no underlying physical condition.

- Treatment related to venereal diseases, drug abuse or alcoholism.

- If you are involved in manual labour which is of hazardous nature or engaged in an illegal or criminal activity.

- Self-exposure to needless peril unless in an attempt to save the life of a fellow human.

- If opting for treatment using alternate or experimental methods that have not been clinically recognized.

- Some form of medicine other than modern medicine or Allopathy is used for treatment.

- Cost of appliances like hearing aid, spectacles etc. that are used either for diagnosis or treatment.

- Medical expenses incurred owing to complications arising out of pregnancy like childbirth, abortion etc.

- Delay of baggage is not covered while coming back to India.

- There is loss or damage to your passport owing to its confiscation or detention by the police, customs, military or any other government authority.

- If you fail to report your loss within 24 hours of its discovery and thereafter fail to obtain an official report of the same.

- If you lose your belongings because of your failure to take the necessary steps to safeguard them.

How Can I Cancel My Travel Insurance?

As much as we’d like to continue our valued relationship with you, at Bajaj Allianz we respect your decision to cancel and allow you to do so at any time!

Before The Commencement Of Your Policy

In case you want to cancel your Individual Travel Insurance Policy before the commencement of the policy term you need to:

- Inform Bajaj Allianz of your decision to cancel the policy.

- Additionally, you also need to send an email requesting cancellation.

- Quote your policy number or schedule number in the email.

Please note that a cancellation charge is applicable.

After The Commencement Of Your Policy (If You Have Not Travelled)

You might wish to cancel the policy after its commencement owing to the fact that you have not travelled. In such a case, you should arrange to send the following documents to the insurance company-

- Proof that you have not travelled during the said period.

- Scan or photocopy of all pages of the passport including the blank pages.

- The reason behind the cancellation of the policy.

- If visa rejection has led to trip cancellation, then a copy of the visa rejection letter.

Based on the information shared, the policy would be cancelled within a working day of the receipt of all documents.

After The Commencement Of Your Policy (If Insured Has Travelled)

Don’t get disheartened if your trip is curtailed! We are here to compensate for the remaining policy days!

If your tour has ended before the expiry of your travel insurance policy, you would be refunded for the remaining days. This return would be subject to the fact that there have been no claims during the policy period and as per rates in the following table-

Easy, Hassle-Free and Quick Claim Settlement

We wish you fair winds and calm seas on your travels, however, should you need to call us to file a claim, you’ll find a patient ear and speedy service. You can connect with us via our Toll Free Number 1800 209 5858 or you can also use our Global Travel Helpline by giving us a missed call on +91 124 6174720. Once you give us a missed call on the Global Travel Helpline number, you will get a call back from us and our representative will walk you through the rest of the process.

How your travel claim is processed depends on whether you’ve opted for coverage on a cashless or claim settlement basis.

Here’s how we process your claim, in case it is made via cashless mode

- If you need to make a claim, all you need to do is get in touch by phone or email. Our advisor will put you ease regarding the claim process and answer any questions that you may have.

- To process your claim quickly, we will need you to provide the prescribed documents such as a duly filled claim form and supporting documents. These are described in greater detail in the following section.

- After verifying your claim, we’ll let you know in the shortest possible time whether your claim has been approved or declined.

- In the event additional information is required, we may reach out to your healthcare provider for a clarification. This is done through a query letter sent by Bajaj Allianz.

- If approved, we‘ll contact your healthcare provider and send them a Guarantee of Payment letter. This means that you can avail quality treatment and leave the bills to us.

- If the claim is denied, we notify the provider accordingly via a Letter of Denial. Unfortunately, you would be responsible to pay for treatment out of your funds.

Click here to register your claim online.