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Cover Medical/Hospitalization expenses while traveling abroad
What is Travel Insurance? Know Your Basics
Embarking on a journey, especially across borders, is an exciting adventure full of new experiences. To make your travel dreams a reality, consider the invaluable shield of international travel insurance.
International travel insurance is your go-to partner, ensuring your peace of mind throughout your global explorations. It's like having a guardian angel that steps in to support you when unexpected challenges arise during your trip. This comprehensive coverage is tailored to address various concerns that might interrupt your travel plans.
Imagine this: Your luggage goes missing, or you need unexpected medical attention abroad. International travel insurance steps in to cover the costs of lost belongings, medical expenses, and even unforeseen trip cancellations. It's not just about financial protection; it's about ensuring that your travel moments are stress-free and memorable.
Now, with the convenience of online travel insurance, you can secure your journey with just a few clicks. Online travel insurance brings the power of comprehensive coverage to your fingertips, allowing you to customize your policy based on your unique travel needs.
In essence, international travel insurance is your golden ticket to worry-free travels. It's the assurance that, no matter where your adventures take you, you have a reliable companion by your side. So, before you jet off on your next escapade, unlock the magic of travel insurance – because every journey deserves the security and peace of mind that comes with this customer-centric and customizable protection.
Do You Really Need Travel Insurance in India?
Embarking on a journey within India or beyond its borders? The answer to whether you need travel insurance is a resounding yes! Beyond being a mere precaution, travel insurance is your trusted companion, offering a safety net that transforms uncertainties into manageable experiences.
Whether you're exploring the vibrant landscapes of India or venturing internationally, travel insurance provides a crucial layer of protection. The unforeseen can happen anytime – flights get cancelled, baggage goes missing, or medical emergencies arise. Here, travel insurance steps in, ensuring you're covered financially and allowing you to navigate these challenges with ease.
The convenience of online travel insurance has revolutionized the process. With a few clicks, you can customize your coverage to match your specific travel requirements. It's a customer-centric approach that puts you in control, ensuring you get the protection you need without any hassle.
For those venturing abroad, international travel insurance becomes even more necessary. It covers medical expenses, trip cancellations, and unexpected events, offering a comprehensive shield against uncertainties in foreign lands.
In the heart of your travel plans, consider travel insurance as your indispensable ally. It goes beyond being a mere necessity; it's an investment in peace of mind. So, whether you're exploring the diverse landscapes of India or jet-setting across borders, don't embark on your journey without the security and assurance that a travel insurance cover provides. It's not just a precaution; it's your key to navigating peace of mind during every adventure.
What Are the Features of a Travel Insurance Plan?
Traveling can be an exciting adventure, but unforeseen circumstances can turn a dream vacation into a nightmare. That's where international travel insurance comes in, offering a safety net to protect you from unexpected events. In this article, we'll delve into the essential features of travel insurance that make it a crucial companion for any journey.
Protection / Coverage for Flight-Related Incidents:
While air travel is generally deemed safe, accidents can occur unexpectedly. Flight-related issues, such as travel delays or hijacking situations, are covered by the insurance plan. This coverage ensures that you are financially protected against incurred expenses during unforeseen adversities.Trip Cancellation Coverage:
Another primary feature of travel insurance is trip cancellation coverage. Life is unpredictable, and sometimes, you may need to cancel your trip due to unexpected events such as illness, injury, or a family emergency. Travel insurance reimburses you for the non-refundable expenses incurred, providing financial relief.Emergency Cash Advance:
In situations of urgency, your travel insurance plan provides access to cash advances. Encountering issues such as hospitalisation, loss of credit cards or cash, and traveler's cheques while abroad can be challenging. However, with an insurance policy, you can receive a specified cash advance after a designated period.Annual Emergency Evacuation Coverage for Frequent Travelers:
Certain insurance providers offer comprehensive year-long coverage plans tailored for frequent flyers. This allows frequent travellers to enjoy the benefits throughout the year or across multiple trips, eliminating the need for recurring insurance policy costs.Unified Family Coverage:
Opting for a single travel insurance plan covering the entire family proves to be both straightforward and cost-effective compared to purchasing individual plans for various age groups.Cashless Medical Treatment:
While no one hopes for a hospital visit during a vacation, unforeseen circumstances can arise. However, with travel insurance plans, you can mitigate the financial strain. Enjoy the convenience of cashless medical treatment at hospitals affiliated with the insurance provider.Tailored Plans for Every Age:
Each age group has distinct travel preferences, and considerations for assistance and security vary. Elderly individuals may need more travel support and are often more susceptible to theft and similar incidents. The positive aspect is that you can purchase a travel insurance policy tailored to your specific age group, ensuring suitable benefits and coverage.Protection Against Baggage/Passport Loss:
Losing your baggage or passport during a trip can be a dreadful and risky experience. While the travel insurance policy you choose may not retrieve your passport or baggage, it will provide coverage for the loss of cash or belongings. Additionally, it will cover the expenses associated with obtaining a new passport.Protection Against Home Burglary:
Burglars often target homes left vacant when families are away on a trip. However, this shouldn't deter your travel plans. Home burglary coverage in travel insurance ensures compensation in the event of a home theft while you're away.Seamless Claim Settlement with Trip Delay Delight:
No need to go through the hassle of submitting a claim to access insurance benefits. In cases like trip delay or flight cancellation, the covered amount will be automatically settled.
Read more about: Travel Insurance Features
Why Should You Opt for a Travel Insurance Policy from Bajaj Allianz?
Feature |
Bajaj Allianz Travel Insurance Benefit |
Premium Amount |
Starting from INR 223 |
Claim Procedure |
Smartphone-enabled claim settlement, paperless |
Claim Settlement |
Available 24x7, Missed Call Service also available |
Number of Covered Countries |
216 countries and islands across the globe |
Flight Delay Coverage |
INR 500 to 1,000 compensation for flights delayed by four hours or more |
Inclusion of Deductibles |
No Deductibles |
Add-on Benefits |
Adventure sports, hospitalization cover, check-in baggage delay, loss of passport, emergency cash advance, trip cancellation cover, etc. |
WHAT ARE THE DIFFERENT TYPES OF TRAVEL INSURANCE POLICIES THAT YOU CAN BUY?
We offer different plans to suit your specific needs. Choose from Travel Care, Travel Secure, Travel Value, Travel Family, Travel Age, Corporate Package, and Study Companion.
Let's delve into the diverse landscape of travel insurance policies available in the country.
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Individual Travel Insurance:
Coverage: Tailored for solo travellers, this policy offers comprehensive coverage for medical emergencies, trip cancellations, baggage loss, and other unforeseen events.
Benefits: Personalized protection for the individual's travel needs, ensuring financial security in case of emergencies.
Individual plan consists of:
- Travel Care
A special travel insurance plan for individuals going abroad that takes care of all medical needs, including hospitalization and other unexpected costs, all at a much lower price than what you might otherwise spend.
- Travel Secure
A travel insurance plan that offers extra coverage for medical situations, including hospitalization, lost baggage, and other unexpected expenses. Additionally, it provides special benefits like coverage for trip delays and a Golfer's Hole-in-One.
- Travel Value
This policy provides great value for individuals traveling abroad. It includes coverage for all medical situations, hospitalization, and additional expenses, with enhanced medical coverage of $500,000 and an increased limit of $1,500 for emergency cash.
- Travel Asia
This is a tailored package designed for individuals traveling to Asia. Travelers can choose from Travel Asia Flair and Travel Asia Supreme based on their coverage needs. These packages are highly convenient, offering coverage options for durations ranging from 1 to 30 days.
Read more about:Individual Travel insurance
- Travel Care
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Family Travel Insurance
Coverage: Designed for families traveling together, this policy extends coverage to all family members, providing a collective safety net.
Benefits: Cost-effective and convenient, offering a single policy to cover the entire family's travel-related risks.
- Travel Family
If you're traveling abroad with your family, this package is tailored for you. It provides coverage for the entire family (self & spouse up to 60 years of age, two children under 21 years) for medical events abroad and extends a floater benefit to individual family members.
Read more about:Family travel insurance policy - Travel Family
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Student Travel Insurance
Coverage: Geared towards students studying abroad, this policy includes coverage for medical emergencies, tuition fees, and other education-related expenses.
Benefits: Specifically addresses the unique needs of students, providing support for academic and non-academic challenges.Read more about:Student Travel Insurance
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Senior Citizen Travel Insurance
Coverage: Tailored for elderly travellers, and the health needs of those between 61- 70 years of age. This policy addresses age-specific health concerns and provides coverage for medical emergencies and trip interruptions.
Benefits: Ensures that senior citizens can travel with peace of mind, knowing they are protected against potential health issues.
Read more about:Senior Citizen Travel Insurance
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Corporate Travel Insurance
Coverage: Catering to businesses and their employees, this policy offers coverage for work-related travel, including medical emergencies and trip cancellations.
Benefits: Provides a safety net for employees on business trips, promoting corporate responsibility and employee well-being.
In conclusion, the diverse range of travel insurance policies available in India reflects the evolving needs and preferences of travellers. Each policy is crafted to address specific aspects of travel, providing a safety net and financial security during journeys. Choosing the right type of travel insurance depends on individual circumstances, ensuring that travellers can explore the world with confidence and peace of mind.
Read more about:Corporate Travel Insurance
WHAT ARE THE DIFFERENT PACKAGES IN THE TRAVEL COMPANION POLICY?
Traveling opens up new horizons and experiences, but it also brings along the potential for unexpected challenges. To mitigate these uncertainties, international travel insurance has become an integral part of trip planning. There are a variety of travel insurance policies catering to different needs and preferences. Bajaj Allianz stands out as the most trustworthy travel insurance companion that has a range of plans to suit your needs.
Who can use Travel Companion?
Our Travel Companion Policy is a full-fledged package offering extensive medical and health coverage for international travellers. Meanwhile, the Student Companion Policy specifically addresses various risk factors for students venturing abroad.Why Travel Companion?
Traveling abroad to a foreign land comes with its fair share of risks. Foreign medical expenses and hospitalization costs can be quite steep. Travel Companion has got you covered for all medical situations at just a fraction of the usual expense.What does Travel Companion Policy cover?
This travel insurance policy is all-encompassing, covering Medical Expenses, Repatriation, Loss and Delay of Checked Baggage, Loss of Passport, Personal Liability, Cashless Service, Hospitalization Expense, Golfer's Hole-in-One, Hijack Cover, Trip delay, Emergency Cash Advance, and more.Does Travel Companion offer cashless service?
Certainly, Travel Companion ensures direct settlement for medical expenses incurred during in-hospital stays abroad. (Subject to policy terms and conditions, along with sub-limits)Does Travel Companion help you with urgent cash abroad?
An essential feature of this travel insurance policy is the Emergency Cash Advance. This service helps by arranging emergency cash for the insured in situations like luggage/money theft or hold-ups. The company coordinates with the insured person's relatives in India to provide the necessary emergency cash assistance, meeting their requirements up to the specified limit in the policy schedule.What is the USP of Travel Companion?
The Golfer's Hole-in-one is a thoughtful perk from the company. It reimburses the insured for expenses related to celebrating a hole-in-one during their trip, anywhere in the world (excluding India), at a golf course recognized by the United States Golfer's Association.
Know Your Travel Insurance Policy’s Coverage
Traveling is an exciting adventure filled with new experiences, but it's crucial to be prepared for the unexpected. This is where international travel insurance comes into play, serving as a safety net that provides financial protection and assistance during unforeseen circumstances. To make the most of your travel insurance, it’s essential to understand its coverage thoroughly. Let’s explore the key aspects of travel insurance coverage to ensure you have a worry-free journey.
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Medical Coverage
One of the primary components of travel insurance is medical coverage. This aspect ensures that you’re financially protected in case of medical emergencies during your trip. It typically includes coverage for hospitalization, emergency medical care, dental treatment, illnesses and any acute or chronic conditions, injuries, surgeries, alternative treatments, co-payment, deductibles, and related expenses. Before purchasing international travel insurance, check the medical coverage limits and make sure they align with your needs. .
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Trip Cancellation and Interruption
Travel plans may unexpectedly change due to various reasons such as illness, natural disasters, or unforeseen events. Trip cancellation coverage reimburses you for non-refundable expenses if you need to cancel your trip before departure. Similarly, trip interruption coverage provides reimbursement for unused, non-refundable trip costs if your journey is cut short.
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Loss of Baggage and Personal Belongings
Losing your luggage or valuables can be a significant inconvenience during a trip. Travel insurance often includes coverage for lost, stolen, or damaged baggage. This coverage can also extend to personal belongings such as cameras, laptops, or other valuables. Be sure to understand the coverage limits and any exclusions related to high-value items.
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Travel Delay and Missed Connections
Travel delays and missed connections can disrupt your itinerary. Travel insurance typically offers coverage for additional expenses incurred due to unexpected delays, such as accommodation, meals, and transportation. Review the policy to understand the time thresholds and the documentation required for making a claim.
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Emergency Assistance Services
Beyond financial coverage, many travel insurance policies provide emergency assistance services. This may include a 24/7 helpline for medical emergencies, travel assistance for replacing lost travel documents, and coordination for emergency evacuations. Familiarize yourself with these services to know what support is available during your travels.
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Pre-Existing Medical Conditions
Individuals with pre-existing medical conditions should pay close attention to the policy’s terms regarding coverage for such conditions. Some travel insurance policies may exclude pre-existing conditions, while others may offer coverage or require additional premiums. Be transparent about your health history when purchasing insurance to avoid any complications later.
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Policy Exclusions and Limitations
Thoroughly read the policy documents to understand exclusions and limitations. Common exclusions may include events related to war, terrorism, or pre-existing conditions. Knowing these limitations ensures that you have realistic expectations about what your travel insurance can and cannot cover.
In conclusion, a well-informed traveler is better equipped to make the most of their travel insurance coverage. Before embarking on your journey, carefully read and understand the terms and conditions of your policy. If you have any questions or uncertainties, don’t hesitate to reach out to the insurance provider for clarification. With a clear understanding of your travel insurance coverage, you can enjoy your travels with peace of mind, knowing you’re prepared for whatever comes your way.
Is It Possible to Extend Your Travel Insurance Coverage?
Absolutely! At Bajaj Allianz General Insurance, extending your travel insurance coverage is both possible and hassle-free. Whether you prefer the convenience of online or the personalized assistance of offline methods, we've got you covered. Simply reach out to us online or through our agents to explore your options and ensure continuous protection throughout your travels.
Do Travel Insurance Policies Provide Protection Against COVID-19?
The global travel landscape has witnessed unprecedented changes since the onset of the COVID-19 pandemic. With travel restrictions, quarantine mandates, and health concerns looming large, the significance of international travel insurance has come to the forefront. Many travellers are left wondering: Does travel insurance cover the uncertainties associated with COVID-19?
Understanding the Basics: What Does Travel Insurance Typically Cover?
Before delving into the specifics of COVID-19 coverage, it's essential to grasp the fundamental aspects of international travel insurance. Traditionally, travel insurance offers protection against various unforeseen events such as trip cancellations, medical emergencies, baggage loss, and travel delays. These coverages have been staples in travel insurance policies for years.
The Emergence of COVID-19 and Its Impact on Travel Insurance
As the pandemic unfolded, the travel landscape faced disruptions, prompting both insurers and travellers to re-evaluate their needs. Travel insurance providers responded by introducing new policies and adapting existing ones to address the challenges posed by the virus.
Trip Cancellation and Interruption
One of the primary concerns for travellers is the potential need to cancel or interrupt their trip due to COVID-19-related reasons. Standard trip cancellation coverage typically includes unforeseen illness or injury to the traveller, their travel companion, or a family member. However, international travel insurance policies may vary regarding coverage for pandemic-related cancellations.
Some insurers now offer Cancel for Any Reason (CFAR) coverage as an optional add-on. CFAR allows travellers to cancel their trip for reasons not typically covered by standard policies, offering a higher degree of flexibility. It's crucial to carefully review policy details to understand the scope of coverage.
Medical Expenses and Emergency Assistance
Medical coverage has always been a vital component of international travel insurance. In the context of COVID-19, policies generally cover emergency medical expenses if a traveller contracts the virus during their trip. This includes hospitalization, doctor visits, and other necessary medical treatments. However, coverage may be subject to policy terms and conditions, and pre-existing conditions may impact eligibility.
Emergency assistance services, which provide guidance and support during medical emergencies, have become even more crucial in the current scenario. Travelers should be aware of the assistance services available to them, including COVID-19-related guidance.
Quarantine Expenses and Trip Delays
The unpredictable nature of the pandemic has led insurers to address quarantine-related expenses and trip delays. Some policies now offer coverage for additional accommodation and meal expenses incurred during mandatory quarantine periods. Trip delay coverage may also extend to delays caused by COVID-19-related issues.
Testing Requirements and Documentation
Given the prevalent testing requirements for international travel, some insurance policies may cover the costs of COVID-19 testing when deemed medically necessary. It's essential for travellers to familiarize themselves with the specific testing-related provisions in their policies and ensure compliance with any documentation requirements.
COVID-19 Coverage with Bajaj Allianz Travel Insurance:
Scenario |
Coverage |
If COVID-19 symptoms appear after a negative test before travel. |
You qualify for compensation under the policy. |
If COVID-19 symptoms arise before travel or contact with a positive person within 14 days. |
Compensation is not eligible under the policy. |
Conclusion:
As the world adapts to the new normal, international travel insurance has evolved to address the unique challenges posed by the COVID-19 pandemic. While policies vary, travellers can find coverage tailored to pandemic-related concerns. Thoroughly reviewing policy terms, considering optional add-ons, and staying informed about the latest developments in travel insurance are crucial steps for ensuring a protected and informed travel experience.
Extending Travel Insurance Online:
Those who do not want to go through the time-consuming offline process can extend travel insurance online. Going by this method, you will save time and also some money that is spent on travelling to the branch or meeting with the agent.
- Step 1:
Visit the Bajaj Allianz website and go to your travel insurance policy page. Click on ‘extend’ and read through the existing benefits along with identifying if you want to add other coverage benefits and update the policy.
- Step 2:
If applicable, submit the additional documents. If not, you can straightaway go to the payments page and initiate the same via Credit card, Debit card, or Net Banking.
- Step 3:
Once the payment is confirmed, you will receive the soft copy of your insurance policy on your email address.
Extend Travel Insurance Policy Offline:
Offline extension means that you will either have to get in touch with your agent or visit the branch and complete the formalities there.
- Step 1:
Contact the agent or visit the branch before the existing insurance policy ends. Take the time you have to review your existing policies and its benefits. If you want to add something to your coverage, ask the agent to do the same.
- Step 2:
After reviewing the travel insurance policy, ask for the additional forms or applications pertaining to the add-ons, only if applicable. Submit the required documents (ask the agent or the branch representative for the same).
- Step 3:
Carefully review the policy documents, conditions, and guidelines before you pay the premium while buying travel insurance in India.
- Step 4:
In offline processing, you have to make the payment via cheque. Make sure that the beneficiary in the cheque is the insurer and not the agent or the representative you are consulting.
What Are the Different Add-on Covers Available in Your Travel Insurance Policy?
Traveling opens doors to new experiences, cultures, and adventures. While planning your journey, it's crucial to consider the unexpected. Enter add-on covers, the unsung heroes of your travel insurance policy. In this article, we'll delve into the world of these additional safeguards that can make a significant difference in ensuring a smooth and stress-free travel experience.
Let’s find out how you can maximize your protection with Add-Ons and Optional Covers in Travel Insurance
Enhance your travel insurance with Add-On Covers – the extra layer of protection to shield you from unexpected financial burdens. More add-ons mean a higher premium, so choose wisely. Here's a peek at what our travel insurance offers:
1. Trip Delay Delight:
Reimburses financial losses due to trip delays or cancellations up to policy limits, tailored for one trip, round trips, or multiple journeys.
2. Schengen Cover:
Covers expenses related to repatriation for medical reasons or urgent health conditions, including emergency hospital treatment or unfortunate events like a death.
3. Compassionate Visit by a Family Member:
Say goodbye to cutting short your journey due to family emergencies. This cover ensures a family member's visit is covered up to specified limits.
4. Emergency Hotel Accommodation:
For Family Member: Covers hotel expenses for a family member in urgent situations.
For Insured and Family Member: Extends coverage to both the insured and family members for emergency hotel accommodation.5. Escort for Minor Child
If you're traveling with a minor, this travel insurance cover ensures their safe journey by covering associated expenses up to specified limits.
6. Loss of Personal Belongings:
Whether it's lost luggage or a passport, this cover has got you covered, easing your troubles during unforeseen circumstances.
7. Replacement and Rearrangement of Staff:
Unforeseen staffing issues? This cover has your back, with rules and limits to guide you through the process.
Optional Covers:
These are bonus features for those opting for different travel insurance policies:
1. Pre-existing Illness Coverage:
Covers existing diseases or conditions at the time of policy purchase, offering functional coverage for your journey.
2. HIV and AIDS:
An optional cover for any age, ensuring coverage for complications related to HIV & AIDS, mitigating risks for those traveling without adequate insurance.
3. Maternity and Baby Cover from Day One:
Extra benefits for expecting mothers, providing coverage from day one of pregnancy, making your journey worry-free.
4. Mental Illness and Alcohol-Related Disorder Cover:
Beyond physical ailments, this optional cover includes mental health and alcohol-related disorders, allowing you to tailor your plan to suit your needs.
When you travel, unforeseen circumstances may emerge, and in such scenarios your insurance should be more than just a policy—it should be a personalised shield. The various add-on covers in your travel insurance policy are designed to cater to specific needs, offering enhanced protection beyond the ordinary.
Whether it's Trip Delay Delight, Schengen Cover, or optional add-ons like Pre-existing Illness Coverage and Maternity Benefits, each component is a strategic layer of defence. Choose not just insurance but a travel companion that understands and adapts to your unique journey.
With Bajaj Allianz General Insurance, your travels are not just secured; they are elevated. Safeguard every moment with a policy that goes beyond expectations, providing tailored protection for every step of your adventure.
Different Types of travel insurance plans available with Bajaj Allianz
Aspect or Function |
Individual |
Family |
Student |
Best Suited for |
Solo Travellers |
For self, spouse and two kids |
Students aiming to study abroad between the ages of 16 and 35 |
Age for Parents: up to 60 years |
Not suitable for students above 35 years of age. |
||
Age for Kids: less than 21 years |
|
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Premium Amount |
Starting from INR 308 |
Starting from INR 1470 |
Starting from INR 624 |
Medical Coverage |
Up to $1 Million |
High Medical coverage |
High Medical Coverage |
Expenses Covered |
✓ Trip Cancellation |
✓ Trip Cancellation |
|
✓ Medical Expenses |
✓ Medical Expenses |
✓ Medical Expenses |
|
✓ Trip curtailment |
✓ Trip curtailment |
✓ Loss of Passport |
|
✓ Trip Delay (up to 12 hours) |
✓ Trip Delay (up to 12 hours) |
✓ Loss of Laptop |
|
✓ Medical Repatriation |
✓ Medical Evacuation |
✓ Tuition Fee Reimbursement |
|
✓ Personal Accident Cover |
✓ Emergency Dental Pain |
✓ Bail Bond Coverage; |
|
✓ Home Burglary coverage |
✓ Personal Accident Cover |
✓ Medical Repatriation ($6500) |
|
✓ Emergency Cash Advance |
✓ Emergency Cash Advance |
✓ Medical Evacuation |
|
✓ Daily Allowance (Hospital) |
✓ Personal Accident Cover |
✓ Hospitalization Allowance |
|
✓ Loss of Passport and Baggage Delay cover |
✓ Home Burglary coverage |
✓ Death or accident cover |
|
✓ Hijack coverage |
✓ Emergency Cash Advance |
✓ Cover against hijack |
|
|
✓ Daily Allowance (Hospital) |
✓ Loss of baggage |
|
|
✓ Loss of Passport and Baggage Delay cover |
|
|
|
✓ Hijack coverage |
|
|
Additional Benefits |
In-House claim settlement |
In-House claim settlement |
Sponsor Protection up to $10,000 |
Coverage based on Trip Classification;
Solo Trip and Family Trip
Benefits Provided |
Coverage for Solo & Family Trips |
Expenses Covered |
Medical |
Loss of Passport |
|
Loss of Baggage |
|
Trip Delay Compensation |
|
Trip Cancellation |
|
Home Burglary |
|
Regions Covered |
Asia |
North America |
|
Schengen |
|
South America |
|
Australia |
|
United Kingdom |
|
Middle East |
|
Expenses Not-Covered |
Life-threatening diseases (arising out of non-disclosed conditions) |
Mental Disorder |
|
Self-inflicted injuries, Suicide |
|
Depression or Stress |
|
HIV/AIDS |
|
Substance Abuse |
Is There Any Eligibility Criteria to Buy a Travel Insurance Policy?
There are eligibility criteria to purchase a travel insurance policy, and they vary among insurance providers. Generally, individuals between certain age brackets, such as 18 to 70 years, are eligible. Travel insurance companies may have specific age limits for coverage.
Moreover, the purpose and duration of travel are crucial factors. Most policies cover trips for leisure, business, or education, and the duration can range from a few days to several months. Some plans cater to specific types of travel, like international or domestic trips.
Pre-existing health conditions are often considered during eligibility assessments for travel insurance. Insurers may require disclosure of existing medical conditions, and coverage may vary based on the insurer's policies. Additionally, citizenship and residence can influence eligibility. Some policies are designed for residents of a particular country or citizens of specific nations.
It's essential to carefully review the eligibility criteria outlined by the insurance provider. By doing so, travellers can ensure they meet the requirements and choose a policy that aligns with their needs and circumstances. Always disclose accurate information during the application process to avoid complications during claims.
| Type of Travel Insurance Plans | Eligibility Criteria |
| Family Travel Insurance | Self, His/Her Partner, and 2 children (dependent, below 21 years of age) Age of adults should be between 18 to 60 years. Age of children should be between 6 months to 21 years) |
| Senior Citizen Travel Insurance | Age should be 70 years |
| Student Travel Insurance | Student Travel Insurance |
| Group Travel Insurance | Minimum members required: 10
|
Are There Any Exclusions in a Travel Insurance Policy?
Exclusions in a travel insurance policy are specific scenarios or events that are not covered by the insurance. Common exclusions include pre-existing medical conditions, high-risk activities like extreme sports, and incidents related to alcohol or drug use. Acts of war, terrorism, or travel to countries under government advisories may also be excluded. Understanding these exclusions is vital for travellers to avoid unexpected complications during their journeys. Reviewing the policy documentation thoroughly allows individuals to make informed decisions and ensures they have a clear understanding of the coverage limitations and any situations where the insurance may not apply.
Read more about: Travel Insurance Policy Exclusions
How to Shortlist a Travel Insurance Policy?
Choosing the right travel insurance policy is crucial to ensuring a stress-free journey. Here's a guide on how to shortlist the best travel insurance for your needs.
1. Understand Your Needs
Begin by assessing your travel requirements. Different trips may demand different types of coverage. For instance, an adventure-filled vacation might require coverage for extreme sports, while a business trip may prioritize coverage for trip cancellations.
2. Coverage Types
Familiarise yourself with the types of travel insurance coverage offered. Common categories include medical coverage, trip cancellation/interruption, baggage loss, and emergency evacuation. Select coverage that aligns with your specific needs and concerns.
3. Policy Duration
Consider the duration of your trip. Some policies are designed for short-term travel, while others cater to long-term or frequent travellers. Choose a policy that suits the length and frequency of your journeys.
4. Destination-Specific Coverage
Certain regions may pose unique risks or require specific coverage. If you're traveling to remote areas, check if the international travel insurance policy includes emergency evacuation. Some policies may exclude coverage in regions with travel advisories, so ensure your destination is covered.
5. Pre-Existing Conditions
If you have pre-existing medical conditions, ensure that your travel insurance policy covers them. Some policies may have exclusions or offer coverage with additional premiums. Disclose all relevant information to avoid complications during claims.
6. Compare Quotes
Obtain quotes from different insurance providers. Compare not just the cost but also the coverage limits, exclusions, and additional benefits. Look for value rather than opting for the cheapest option.
7. Read Reviews
Customer reviews and testimonials can provide insights into the experiences of others with a particular insurance provider. Consider both positive and negative feedback to make an informed decision regarding the international travel insurance plan.
8. Check Claim Process
Understand the claim process of the insurance provider. A smooth and straightforward claims process is essential. Read the travel insurance policy documents to know what documents are required in case of a claim.
9. Customer Support
Assess the customer support services of the insurance company. Access to 24/7 assistance, especially during emergencies, is crucial. A reliable customer support system adds to the overall convenience of the policy.
10. Policy Exclusions
Carefully review the policy exclusions. Knowing what is not covered is as important as understanding what is covered. Be aware of specific circumstances or activities that may void your coverage.
11. Policy Limits
Check for coverage limits for each category. Ensure that the limits are adequate for potential expenses. For instance, if you're carrying expensive equipment, verify the baggage loss limit.
By following these steps and conducting thorough research, you can shortlist a travel insurance policy that aligns with your travel plans, provides comprehensive coverage, and offers peace of mind throughout your journey.
Are There Ways To Save On Travel Insurance Premiums?
Travel insurance is essential for protecting your trip, but that doesn't mean you have to break the bank. Here are savvy ways to trim travel insurance premiums without compromising coverage.
Compare Quotes
Don't settle for the first quote you receive. Shop around and compare quotes from different providers. Online comparison tools make it easy to identify cost-effective options that suit your needs.
Opt for Basic Coverage
Evaluate your travel needs and choose a travel insurance policy that aligns with them. Opting for basic coverage without unnecessary add-ons can significantly reduce premiums. Tailor your plan to match your specific requirements.
Consider Annual Policies
f you're a frequent traveller, an annual policy might be more cost-effective than purchasing coverage for each trip individually. This approach can lead to substantial savings in the long run.
If you're a frequent traveller, an annual policy might be more cost-effective than purchasing coverage for each trip individually. This approach can lead to substantial savings in the long run.
Increase Deductibles
Choosing a higher deductible often results in lower premiums. Assess your risk tolerance and financial capability to determine a deductible that strikes the right balance between savings and coverage.
Exclude Unnecessary Coverage
Review the policy details and exclude coverage for situations unlikely to affect your trip. For instance, if your credit card provides rental car insurance, there's no need for similar coverage in your travel insurance policy.
Book Early
Securing travel insurance early can result in lower premiums. Booking well in advance allows you to lock in rates and provides peace of mind with extended coverage against unforeseen events.
Group Plans
If travelling with family or a group, inquire about group discounts. Some insurers offer discounted rates for multiple travellers, making it a cost-effective option for families or friends embarking on a journey together.
Maintain Good Health
Your health directly affects premiums. Stay healthy and disclose accurate medical information to avoid unnecessary surcharges. Some insurers offer discounts for policyholders with a clean bill of health.
By implementing these strategies, travellers can enjoy comprehensive coverage while keeping travel insurance premiums within a budget-friendly range. Whether you're a frequent globetrotter or embarking on a one-time adventure, smart choices can lead to significant savings without compromising on protection.
Why Should You Compare & Buy Travel Insurance Online?
In an age dominated by digital convenience, the process of buying travel insurance has undergone a significant transformation. The traditional approach of visiting insurance offices or relying on agents has given way to the simplicity and efficiency of opting for travel insurance online. Here are compelling reasons why comparing and buying travel insurance online has become the preferred choice for savvy travellers.
1. Accessibility and Convenience:
Online platforms provide unparalleled accessibility, allowing travellers to explore and purchase insurance policies at any time, from anywhere in the world. This convenience eliminates the need for physical visits to insurance offices, saving time and effort for individuals with busy schedules or those planning last-minute trips.
2. Comprehensive Comparison:
Online platforms empower travellers with the ability to compare a wide array of travel insurance policies at their fingertips. With a few clicks, users can assess coverage options, policy features, and premium rates from multiple insurance providers. This comprehensive comparison ensures that individuals can make informed decisions tailored to their specific travel needs when they opt to buy travel insurance online.
3. Real-Time Quotes and Customization
One of the significant advantages of online platforms is the provision of real-time quotes. Travellers can instantly receive quotes based on their input, allowing them to gauge the cost-effectiveness of various policies. Additionally, online platforms often offer customisation features, enabling travellers to adjust coverage limits, deductibles, and other policy details to align with their preferences and budget.
4. Transparent Information:
Online platforms prioritise transparency, providing detailed information about policy terms, conditions, and exclusions. Travellers can review travel insurance policy documents, understand coverage inclusions and limitations, and make informed choices. This transparency builds trust and confidence in the selected insurance plan.
5. Customer Reviews and Ratings:
Travellers can benefit from the experiences of others by accessing customer reviews and ratings on online platforms. This valuable insight into the real-world experiences of fellow travellers’ aids in assessing the reliability and efficiency of insurance providers. It also helps individuals choose insurers with a proven track record of customer satisfaction.
6. Instant Policy Issuance:
Gone are the days of waiting for travel insurance policy documents to arrive by mail. Online platforms facilitate instant policy issuance. Upon completing the purchase, travellers can receive electronic copies of their insurance policies immediately, allowing for swift and hassle-free documentation for visa applications or other travel-related requirements.
7. Cost Savings
Online platforms often feature exclusive discounts and promotional offers. By comparing options online, travellers can capitalize on cost savings that may not be available through traditional channels. These savings contribute to a more budget-friendly travel insurance experience.
In conclusion, the shift towards comparing and buying travel insurance online is driven by the undeniable advantages of accessibility, comprehensive comparison, transparency, and cost savings. For modern travellers seeking efficiency and reliability, the online landscape provides a seamless and user-friendly experience, ensuring that the journey begins with the right level of protection.
Read more about: Compare Travel Insurance
What to Account for When Buying Travel Insurance Online?
Travel has become an integral part of our lives and therefore the importance of securing the right travel insurance cannot be overstated. As technology continues to evolve, the convenience of purchasing travel insurance online has become a preferred choice for modern-day adventurers. However, the process demands careful consideration to ensure that the chosen coverage aligns with individual needs and provides a safety net for unforeseen circumstances. Here's a comprehensive guide on what to account for when buying travel insurance online.
Destination-Specific Coverage
The first crucial factor to consider is the destination. Different regions pose varying risks, and an ideal travel insurance policy should provide coverage tailored to the specific challenges of the chosen location. Be it medical emergencies, trip cancellations, or baggage loss, ensuring that your policy comprehensively addresses the risks associated with your destination is paramount.
Coverage Limits and Exclusions
Thoroughly examine the coverage limits and exclusions outlined in the policy. While it's crucial to understand what the insurance covers, equally important is identifying what it doesn't. Pay close attention to any exclusions related to pre-existing medical conditions, adventure activities, or specific travel scenarios that may be relevant to your journey.
Trip Cancellation and Interruption
Consider the duration of your trip and how frequently you travel. Some policies cater to short trips, while others provide coverage for longer durations. For frequent travellers, opting for an annual multi-trip policy might prove more cost-effective and convenient than purchasing coverage for each individual journey.
Medical Coverage and Emergency Assistance
Medical emergencies can quickly escalate into significant financial burdens. Ensure that your travel insurance offers robust medical coverage, including hospitalisation expenses, evacuation costs, and emergency assistance services. Confirm that the policy provides coverage for pre-existing conditions or any specific health concerns you may have.
Trip Cancellation and Interruption
Unforeseen events such as family emergencies or sudden illness may force you to cancel or cut short your trip. A good travel insurance policy should provide adequate coverage for trip cancellations or interruptions, reimbursing non-refundable expenses and offering financial protection against unexpected disruptions.
Lost Baggage and Delayed Flights
Baggage mishaps and flight delays are common travel woes. Ensure that your insurance covers lost or stolen baggage and offers compensation for essential items in case of baggage delays. Similarly, coverage for trip delays or missed connections due to unforeseen circumstances adds an extra layer of security.
Adventure Activities and Sports
For the adventurous souls seeking adrenaline-packed activities during their travels, it's crucial to check if the policy covers adventure sports. Many standard travel insurance policies exclude certain high-risk activities, so individuals engaging in activities like scuba diving, hiking, or skiing should opt for additional coverage if needed.
Compare Quotes and Reviews
Take advantage of the online landscape by comparing quotes from different insurance providers. Consider customer reviews and ratings to gauge the reliability and service quality of each insurer. Feedback from fellow travellers can provide valuable insights into the actual experiences of policyholders.
Policy Customisation
Look for travel insurance policies that offer customisation options. The ability to tailor your coverage based on specific needs allows you to create a personalized insurance plan that aligns with your travel habits, preferences, and budget.
24/7 Customer Support
Emergencies don't adhere to regular business hours. Ensure that the insurance provider offers 24/7 customer support and has a dedicated helpline for assistance during unforeseen situations. Accessible customer support is invaluable when you need guidance or help in a foreign land.
Transparency and Fine Print
Carefully read the terms and conditions of the travel insurance policy. Transparent communication about coverage details, terms, and conditions contributes to a better understanding of the insurance. Pay attention to the fine print to avoid surprises when making a claim.
Financial Stability of the Insurer
Evaluate the financial stability and reputation of the insurance company. Opt for insurers with a proven track record of timely claim settlements and financial stability. A reliable insurer ensures that you can rely on your coverage when it matters the most.
Claim Process and Documentation
Understand the claims process and the required documentation in case of an unfortunate event. A straightforward and efficient claims process, coupled with clear instructions on necessary documents, makes the post-incident experience less stressful.
Legal and Regulatory Compliance
Ensure that the insurance provider complies with legal and regulatory requirements. Check if the policy adheres to international travel insurance standards and if the insurer is authorized to operate in the countries you plan to visit.
Cost vs. Value
While cost is a significant factor, it should not be the sole determinant. Evaluate the value offered by the policy in relation to its cost. Sometimes, a slightly higher premium may provide more comprehensive coverage, proving to be a worthwhile investment in the long run.
In conclusion, buying travel insurance online demands meticulous consideration of various factors to ensure a tailored and reliable safety net for your journeys. From destination-specific coverage to evaluating customer reviews and understanding the fine print, a well-informed decision guarantees peace of mind and financial protection while you explore the wonders of the world.
How to Calculate Your Travel Insurance Premium Online?
Embark on a seamless journey to calculate your travel insurance premium with Bajaj Allianz. Our user-friendly online calculator simplifies the process—just enter basic details like your mobile number, name, and travel specifics. Customise and compare policies effortlessly for a tailored and cost-effective travel insurance experience.
- Step 1:Navigate to our travel insurance premium calculator.
- Step 2:Begin by providing essential details such as your mobile number, name, and email address.
- Step 3:Specify your country of residence.
- Step 4:Based on your inputs, receive a prompt confirmation along with a personalized premium quote.
Bajaj Allianz boasts a versatile insurance premium calculator that generates purpose-specific premium quotes efficiently.
When procuring an insurance policy, the objective is to minimize costs while maximizing benefits. An insurance premium calculator proves invaluable in achieving this goal. Beyond determining monthly payments, it allows you to tailor policy features to align with your specific needs and budget.
The online calculator provides the flexibility to experiment with different combinations of policies, ensuring you find the most fitting travel insurance policy. Additionally, for calculating travel insurance premiums, the calculator incorporates details such as destination, duration, and travel dates.
The primary objective is to furnish you with an accurate quote, minimizing errors. The online calculator extends its functionality to include traveller details, allowing you to input the number of individuals and their ages.
An added advantage of utilizing the online travel insurance premium calculator is the ability to compare premiums across various policy types and companies. This feature empowers you to make an informed decision by choosing the policy that best aligns with your preferences and requirements.
Step-by-Step Guide to Buying Travel Insurance Online
Embark on a seamless journey to safeguard your travels with our step-by-step guide on purchasing travel insurance online. From selecting plans to secure payments, we ensure a hassle-free experience. Bajaj Allianz offers three convenient ways to purchase travel insurance through:
- ✓ the official website
- ✓ the user-friendly Caringly Yours Mobile App and
- ✓ traditional offline channels
Buy Travel Insurance Online from Bajaj Allianz Website:
Step 1:
Initiate the process by visiting our official website and selecting the desired insurance type Individual, Family, Business, or Student.
Step 2:
Provide your full name and choose the type of policy (Leisure, Business Multi-Trip, or Student). Subsequently, make additional selections based on your chosen policy.
Step 3:
Furnish essential details such as date of birth, departure and return dates, destination, and your current pin code.
Step 4:
Bajaj Allianz will analyse your inputted information, sending a comprehensive quote to your phone with the option to promptly select a suitable plan.
Step 5:
Choose your preferred plan, consider optional add-ons, and proceed to make the payment.
Step 6:
Await payment confirmation, receiving acknowledgment and insurance documents instantly in your email inbox.
Buy Travel Insurance Online from Caringly Yours Mobile:
Step 1:
Download the Caringly Yours Mobile App and use your login credentials to access the application.
Step 2:
Select the travel insurance option, providing necessary details including your name, date of birth, travel specifics, dates, and pin code.
Step 3:
Allow the application to process your information, receiving comprehensive insurance quotes directly on your phone.
Step 4:
Choose the plan aligning with your travel itinerary, optionally include add-ons, and proceed to make the payment.
Step 5:
Finalise the plan selection, include preferred add-ons, and complete the payment process.
Step 6:
Await confirmation receipts and insurance documents, promptly delivered to your designated email address.
Whether through the official website or the Caringly Yours Mobile App, Bajaj Allianz ensures a user-friendly and efficient process to secure your travels with the utmost convenience and peace of mind.
Understanding the Claim Procedure for Travel Insurance Plans
Understanding the travel insurance claim procedure is crucial for international travellers. Bajaj Allianz offers three distinct claim procedures, ensuring a seamless process for policyholders.
1. Cashless Travel Insurance Claim
Applicable for overseas hospitalization expenses exceeding USD 500, the cashless claim process involves:
- ✓Online Document Submission:
Initiate the process by submitting required documents online for verification.
- ✓ Payment Guarantee Letter:
Upon claim document verification payment Guarantee letter to be released to the hospital .
- ✓ Completing Formalities:
In case of missing information, complete the necessary formalities for a smooth claim process.
You can purchase travel insurance from Bajaj Allianz in three ways:
1.Online from the Official Website:
- ✓ Visit the website and select the type of insurance (Individual, Family, Business, or Student).
- ✓ Provide your personal details and travel information.
- ✓ Receive a quote and choose your plan, add-ons, and make the payment.
- ✓Get instant confirmation and insurance documents via email.
2.Via Caringly Yours Mobile App:
- ✓Download the app and log in.
- ✓Select travel insurance and input your details.
- ✓Receive insurance quotes on your phone, choose a plan, add-ons, and make the payment.
- ✓Get confirmation and documents via email.
3.When filing a travel insurance claim:
- ✓Cashless Claim: For hospitalization expenses abroad over USD 500, submit
- ✓documents online for verification. Once verified, receive a payment guarantee letter.
- ✓Reimbursement Claim: Collect required documents and submit them at the BAGIC HAT.
- ✓Receive payment within 10 days via NEFT to your Indian bank account. Ensure all documents are complete within 45 days to avoid claim cancellation. Policy deductible will be applicable as per policy copy.
2. Travel Insurance Reimbursement Claim
For accurate documentation, the reimbursement claim process takes approximately 10 working days.
- ✓Document Collection:
Gather necessary documents and submit original copies (paid receipts only) at BAGIC HAT
- ✓Verification and Payment:
Post scrutiny, receive payment within 10 working days in your Indian bank account via NEFT.
- ✓Incomplete Documentation:
Submit the documents upon receiving the email from the document recovery team within 45 days, after which the claim will be closed due to non-submission of the required documents.
Policy deductible will be applicable as per policy copy.
Documents Required for Travel Insurance Claims:
Documents needed for Medical treatment (to be attached with the Claim Form)
- ✓ Policy Documents (Number & Name of the Insured, and Contact Details)
- ✓ MEDICAL REPORT/INVESTIGATION REPORT for emergency and OPD basis treatment (If required and raised by claims team)
- ✓ Incident Details (with self-declaration from insured for illness or incidence)
- ✓ Attending Physician’s Statement (APS)
- ✓Romif from insured for Obtaining Medical Records (if require )
- ✓Cancelled cheque for bank transfer to the insured
Loss of Baggage:
- ✓ Claim Form
- ✓ Baggage Tags Copies
- ✓ Confirmation Letter from Airline Authorities to determine the delivery time and date of the baggage to the insured.
- ✓ Property Irregularity Report
- ✓ Emergency purchase receipt of Item bought due to delay of Baggage
- ✓ Cancelled cheque for bank transfer to the insured
Trip Cancellation/Interruption/Missed Connection:
- ✓ Claim Form
- ✓Confirmation from Airlines and Letter Certifying complete cancellation /total delay
- ✓ Documentation for Delay/Cancellation with Reason
- ✓ Tickets (Scan copies of both the original and revised tickets, if necessary.)
- ✓ Invoices or Receipts of Incurred Expenses only in Bharat Bhraman. Not applicable for international travel.
- ✓ Cancelled cheque for bank transfer to the insured
Loss of Passport:
- ✓ Claim Form
- ✓ Photocopies of New and Old Passport
- ✓ Expense Receipts and receipts for New Passport
- ✓ Photocopy of FIR or Police Report
- ✓ Cancelled cheque for bank transfer to the insured
Hijack Situation:
- ✓ Claim Form
- ✓ Detailed Account of Hijack Events
- ✓ Corresponding Letters from Airlines
- ✓ Photocopy of Ticket and Boarding Pass
- ✓ Cancelled cheque for bank transfer to the insured
Accidental Death:
- ✓ Claim Form
- ✓ Scanned Copy of Death Certificate
- ✓ Photocopy of Coroner’s Report, FIR, Post-mortem Report and MR / APS if any treatment is given. Invoices and original paid receipts (hard copies)
- ✓ Cancelled cheque for bank transfer to the insured
Study Interruption:
- ✓ Claim Form
- ✓ Medical Reports Authenticated by Doctors
- ✓ Bills and Receipts of University Fees Paid Earlier
- ✓ Letter from University mentioning the inability to attend the semester to complete the course
- ✓ Cancelled cheque for bank transfer to the insured
Therefore, a thorough comprehension of the travel insurance claim procedure is paramount for a worry-free journey. Bajaj Allianz ensures a seamless process, offering various claim options tailored to diverse needs.
Read more about: Travel Insurance Claim Process
What are the steps to extend your travel insurance policy by offline?
Extend Travel Insurance Policy Offline
Offline extension means that you will either have to get in touch with your agent or visit the branch and complete the formalities there.
- Step 1: Please contact Bajaj Allianz team online or contact your Insurance Agent or visit the nearest BAGIC branch before the expiry of the existing travel insurance policy.
- Step 2: Please submit the signed good health declaration form (format available on the website) mentioning your current policy number, your extension request for further extension of travel insurance, with your medical status.
- Step 3: Bajaj Allianz team will review the extension request and give confirmation for the extension.
- Step 4: if the extension request is accepted then we will send you a payment link or you have to give the premium to your Agent for extension of existing policy.
- Step 5: You have to make the payment and the policy will be issue.
- Step 6: A new policy will be issued and sent to your email id mentioned in existing policy schedule
Which Countries Compulsorily Require a Travel Insurance Policy?
International travel insurance is not just a convenience; in some countries, it's a mandatory requirement for entry. Several nations around the world, including those in the Schengen Area like Germany, France, and Italy, insist on travellers having adequate coverage before granting a visa. Countries like Cuba and Ecuador also have this prerequisite. Additionally, visitors to Russia, Turkey, and the UAE need to show proof of travel insurance upon arrival. These mandatory regulations underscore the importance of having comprehensive coverage. Before taking your international journey, it's crucial to research and secure the necessary travel insurance to ensure a smooth and compliant travel experience.
A quick glance: Without submitting the insurance confirmation, you may not get a visa for these countries.
- Antarctica
- Cuba
- Ecuador
- Qatar
- Russia
- Schengen Countries
- Turkey
- United Arab Emirates
- United States of America
Can You Port Your Travel Insurance Policy?
Embrace the liberty of travel insurance portability with Bajaj Allianz, offering a seamless transition between insurers while retaining existing benefits. We prioritize your freedom of choice, inviting all individuals to safeguard themselves with our comprehensive policies. To facilitate a smooth shift, adhere to these steps:
- 1. Communicate your portability requirements through online registration
- 2. Notify your current insurer 7 days in advance. This is subject to age of the insured and any PED condition declared.
Please be mindful that the premium for a comparable travel insurance plan is subject to the discretion of the new insurer. Trust Bajaj Allianz for a professional, hassle-free process, ensuring uninterrupted coverage while selecting the insurer that aligns with your preferences.
Myths About Travel Insurance
Travel insurance is a crucial aspect of trip planning, providing financial protection and peace of mind in unforeseen circumstances. However, several myths surround this essential aspect of travel, leading many to underestimate its significance. Let's debunk some common misconceptions and shed light on the importance of travel insurance.
Myth 1:Travel Insurance is Expensive and Unnecessary
Contrary to popular belief, travel insurance is often affordable, especially when compared to potential financial losses due to trip cancellations, medical emergencies, or lost belongings. The cost varies based on factors like trip duration, coverage limits, and the traveller’s age. Considering the risks involved, the investment in travel insurance is a prudent choice.
Myth 2: I Don't Need Travel Insurance for Short Trips
Whether your trip is short or extended, unexpected events can occur at any time. Travel insurance is not solely about trip duration; it's about being prepared for unforeseen circumstances. Even a brief trip can be disrupted by flight cancellations, lost baggage, or sudden illnesses. Having travel insurance coverage ensures you're protected no matter the duration of your journey.
Myth 3: My Health Insurance Covers Me Abroad
While some health insurance plans provide limited coverage abroad, many may not cover international medical emergencies or evacuation costs. Travel insurance with comprehensive medical coverage ensures you receive proper care and assistance, especially in countries where healthcare costs are high.
Myth 4: Travel Insurance Only Covers Medical Emergencies
Travel insurance encompasses a wide range of coverage beyond medical emergencies. It typically includes trip cancellation or interruption coverage, lost or delayed baggage reimbursement, emergency evacuation, and even coverage for travel delays. Understanding the comprehensive nature of travel insurance helps travellers make informed decisions.
Myth 5: I Can Buy Travel Insurance Any Time Before My Trip
It's a common misconception that travel insurance can be purchased at any time before departure. However, some benefits, like trip cancellation coverage, may have time-sensitive requirements. Buying insurance early ensures you can take advantage of these benefits and have coverage in place for unforeseen events leading up to your trip.
Myth 6: Travel Insurance Covers Everything
While travel insurance is comprehensive, it doesn't cover every possible scenario. Exclusions vary between policies, so it's essential to read the terms and conditions carefully. Common exclusions may include pre-existing medical conditions, extreme sports activities, or travel to high-risk destinations. Understanding these exclusions helps manage expectations and plan accordingly.
Myth 7: I Can Rely on the Airline for Compensation
Many travellers believe that airlines will compensate them adequately for flight delays, cancellations, or lost baggage. However, airlines have limitations, and compensation may not cover all incurred expenses. Travel insurance provides an additional layer of protection, ensuring you're adequately reimbursed for unexpected inconveniences.
In conclusion, dispelling these myths highlights the importance and value of travel insurance in safeguarding your travel investment. It's an indispensable tool for managing risks and ensuring a smoother, more secure travel experience. Before your next journey, take the time to explore and select a travel insurance plan tailored to your specific needs and destination.
Does Bajaj Allianz's Travel Insurance Cover COVID-19?
The global impact of COVID-19 has reshaped daily life, ushering in a new normal characterized by social distancing. As countries enforce travel restrictions to curb the virus spread, questions arise about the coverage provided by insurance companies once borders reopen. Specifically, we explore the impact of coronavirus on travel insurance in India.
Does Travel Insurance Cover COVID-19 in India?
Yes, several insurance companies, including Bajaj Allianz, offer COVID-19-specific travel insurance plans in India. These policies provide compensation for medical treatment, delays, cancellations, lost baggage, etc. Bajaj Allianz offers monetary compensation and assistance for treatment in empanelled hospitals, including cashless treatment.
Coverage Details for Overseas Travel Policy:
Medical Expenses related to COVID-19 abroad, including quarantine, are covered. Excludes accommodation and non-medical incidental expenses during quarantine. A COVID-negative report must be presented 72 hours before travel. If unavailable, coverage starts after a 7-day waiting period.
Policy Extension Considerations:
To extend coverage abroad, do so before the break-in period begins. If extending after the break-in period, a 7-day waiting period applies.
Scenario-wise Coverage for COVID-19:
1.COVID-19 Symptoms After Obtaining a Negative Report: Compensation is eligible under the policy.
2.COVID-19 Symptoms Before Travel or Contact with a Positive Person: No compensation eligibility.
Bajaj Allianz strives to provide comprehensive coverage in this evolving landscape, ensuring your well-being during overseas travel.
CUSTOMER STORIES
(Based on 3,912 reviews & ratings)
MADANMOHAN GOVINDARAJULU
Straight forward online travel insurance quote and price. Easy to pay and buy
PAYAL NAYAK
Very user friendly and convenient. Appreciate Bajaj Allianz team a lot.
KINJAL BOGHARA
Very nice services with affordable premium of Travel insurance
Sonal Gopujkar
Excellent process! Very easy to use and instant output
Ushaben Pipalia
Very prompt and professional service. Pleased with customer service team of Bajaj Allianz.
K.V.Rangareddy
Nice and customized website. Loved the experience on Bajaj Allianz's website.
Frequently Asked Questions on Travel Insurance Policies
-
General
-
Coverage
-
Policy Premium
-
Claims
-
COVID-19
1. Is Travel Insurance mandatory?
No, travel insurance is not mandatory for all countries. However, certain countries have made it mandatory like Australia, Schengen countries, etc.
2. Can I buy travel insurance if I am going on a work permit abroad?
Most insurers in India do not provide travel insurance to people travelling abroad on a work permit. It is advisable to check with your insurer before purchasing the travel insurance policy.
3. Will I get a refund if I cancel my travel insurance policy?
If the cancellation is done before the departure date then a full refund fewer cancellation charges will be provided. If it is after the start date and non-departure, then you have to provide proof of your non-travel, a full refund less the cancellation charges will be provided. However, if you are cancelling the policy post-travel or leaving for your home country amidst of your journey based on utilised premium, remaining premium sans cancellation charges will be provided.
4. What are the maximum days for which I can take the travel insurance policy?
The duration of the days varies from one travel insurance company to another. The maximum number of travel days under a single trip that will be insured is 182 days.
5. Whom do I contact while abroad in case of any emergency?z
You can contact your Emergency Assistance Provider /TPA in case of any emergency. All the contact details of the TPA are specified in the travel policy schedule.
6. Can I buy travel insurance after leaving the country?
No, you cannot buy a travel insurance policy online or offline for your journey after you depart from the country. Many travel insurance companies do not allow travellers to buy travel insurance even on the day of their journey.
7. Do I need to undergo any medical examination for coverage?
Many insurance companies offer cover without a medical check-up, however medical tests are required for certain age groups, and in case you are visiting a country where certain medical tests are mandatory before arrival. It is advisable to check the guidelines of the travel insurance company.
1. Does travel insurance cover me if I cancel my flight?
Yes, your travel insurer will cover all the expenses and losses incurred due to flight cancellation before the date of the departure. However, you have to give the valid reason for the cancellation.
2. What kinds of risks are covered under the travel insurance policy?
A travel insurance policy protects you from the risks of having a financial loss rising due to accidents, medical emergencies etc while travelling. The most common risks that are covered under the travel insurance policy are:-
- Accidental death and injury
- Overseas funeral expenses
- Medical expenses
- Theft
- Delayed/loss of baggage
- Overseas dental treatment
- Loss of passport
- Home burglary insurance
3. Will my family be covered under one Policy or Do I need a separate policy for travel and separate claim documents for each family member?
One can take the Family Travel Insurance Policy to cover your entire family. No separate claim documents are required for each family member under this policy.
4. What benefit will I get from this insurance in case of a medical emergency?
In case of a medical emergency, you will get the following benefits from travel insurance:
- Expenses incurred for any sudden illness or injury
- Medical evacuation to India
- Transportation expenses of mortals remain back to India
- Accidental bodily injury during the trip
- Cost towards burial in case of one’s sudden demise
1. What is the claim settlement ratio? Why is it important?What is Travel Insurance Premium?
The travel insurance premium is the sum one pays to get cover benefits in case of some unfavourable events listed under the terms, plans, and conditions of the policy. This sum is annually payable.
2. What are the modes of payment?
Travel Insurance can be purchased with both physical and digital modes of payment. In physical forms, they accept cash, cheque, debit, and credit cards. Digital modes refer to Google pay, Paytm, and several other options.
1. How does Bajaj Allianz Travel Insurance settle its claims abroad?
In case any incident happens which is covered under the policy then all the expenses whether medical, services, hospitality, etc. are paid by the company and even cash in advance is also provided in some situations.
2. How many days does it take to settle the claim?
To settle the claim, one has to submit the required documents and after the acceptance of the same, the procedure will start. This procedure takes about 15 working days to process and then the claim is granted.
3. Can I file a travel insurance claim once I return to India?
Yes, the insured can file a travel insurance claim once they return to India. The time window is 30 days or at the end of your trip. But this purely depends upon your travel insurance provider and the travel insurance plan which one has purchased.
1.Will I be covered for any expenses incurred due to the treatment of COVID-19?
Yes, you will be covered for the in-patient hospitalization expenses incurred due to the treatment of COVID-19 but not the expenses of isolation and quarantine by travel Insurance. This claim will be granted under certain conditions one of which is the time frame.
2. What would be the documents required to file a claim for COVID-19?
To get the claim, one must provide documents such as identity documents, passport, copy of the report in which it was declared positive for COVID-19, hospitalization prescription letter by the doctor, insurance documents, etc. These are the necessary documents that are required to file a claim for COVID-19.
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Written By : Bajaj Allianz - Updated : 19th Feb 2024
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