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Family Travel Insurance Policy

Holidaying with family? We’ve got you covered
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What’s in it for you?

Awarded Best Travel Inusrance outlook traveller

Global assistance with 24/7 missed call facility

One policy to cover entire family

Covers Self, spouse & children

Features of Family Travel Insurance

When planning a vacation, ensuring the safety and well-being of your family is paramount. The best family travel insurance from Bajaj Allianz General Insurance Company offers comprehensive coverage, including medical expenses, evacuation, repatriation, and emergency dental pain relief. It also covers losses related to baggage, passport, and personal liability. For instance, the Travel Companion Plan provides up to $50,000 for medical expenses and $250 for lost baggage. Such extensive coverage ensures that you and your loved ones are protected from unforeseen incidents while traveling abroad, making it the best family travel insurance for peace of mind.

Policy Information For Online Family Travel Insurance Plan

Getting Family Travel Insurance becomes an absolute necessity especially when you consider health hazards like excessive pollution, adulterated food and accidents, especially knowing how excited kids can get on a vacation. Medical treatment in a foreign land may also be many times more expensive.

Road accidents and stolen baggage are also common in some parts of the world. While you should be careful of your belongings, Family Travel Insurance can give you protective cover in an emergency.

Whether you are going to Japan or exploring the mysteries of Europe, being prepared can make all the difference!

That is why, Bajaj Allianz offers a range of Family Travel Insurance solutions online that give you value for money and comprehensive coverage. If you’ve been unable to make up your mind about which policy to buy or wondering what a certain policy covers, you’ll find answers to all your Family Travel Insurance Policy questions on our website. Browse, select, pay within a few clicks, and all at your convenience! 

  • Immediate and Accurate Quotes Immediate and Accurate Quotes

    The most important benefit that you get by purchasing Family Travel Insurance online is that you get accurate quotes instantly. So, whenever you need to purchase a Family Travel Insurance policy, you can compare the policy covers, terms and conditions etc. easily, and make an informed decision. 

  • Easy Access To Policy Related Information Easy Access To Policy Related Information

    The best thing about purchasing Travel Insurance Plan online is that you have easy access to all relevant information. Instantly check what different policy covers have to offer and choose one that suits you the most. Making the process even easier, BOING, our interactive chatbot gets you quick answers to any policy related questions.

    Did we mention that our website also helps you avoid ‘information overload syndrome’ by presenting the product and its features in an easy & interesting way?

  • Saves Time Saves Time

    There are so many things to take care of when planning an international trip that you are always running short of time. Whether you’re a student scouting for a university programme abroad or a senior citizen hoping to get your feet wet in the sunny surf at a beach in Hawaii, you can find tailored travel insurance solutions, in an absolutely hassle free manner

    Don't take our word for it! Visit our website and see for yourself how our online travel insurance options can save you hours of research. Use that time to fantasize about your upcoming trip instead!

Why Travel Insurance?

What is the Claim Process of Family Health Insurance Plan?

We always hope that your travels are free from any signs of trouble. But just in case something goes wrong, and you need to file a claim, we’ll be there for you round the clock. All you need to do is give us a missed call on our Global Travel Helpline Number +91 124 6174720 or call us on our Toll Free Number 1800 209 5858. Once you connect with us, our representative will walk you through the entire process.

The travel insurance claim process will change depending on whether your claim is to be settled on a cashless basis or reimbursement basis.

If your claim is a cashless claim:

✓  You get in touch by phone or email. Our advisor will help you with any issues regarding the further process

✓  For quick and hassle-free settlement, do keep the necessary documents handy

✓ Once you share the document and we’re able to verify the claim, we will share an update on the acceptance of it

✓ In case we need some additional information, we’ll get in touch with you for clarification through a query letter

✓ If your claim is approved, you can rest assured that we’ll take care of the rest. We will take up coordination with the healthcare provider and issue them a Guarantee of Payment letter

✓ If, unfortunately, your claim is denied, you will have to settle the bills with the provider accordingly

If your claim will be processed via reimbursement, these are the steps:

✓  You will have to file a claim with us by submitting your medical documents from the healthcare provider. These will be processed by our dedicated, in-house Health Administration Team (HAT), who will quickly process the same

✓ Once processed, your claim will be verified on the basis of the details you provided, vis-à-vis the benefits you’ve opted for and authenticity of the documents and other details shared

If the documents are found to be insufficient:

You will be asked to shared supplementary documents, as per your case

✓  The details of the documents required will be communicated to you via mail

✓   Once you share the additional documents, the processing of your claim will resume. If we don’t receive the same from your within 15 days of the initial notification letter, we will send you a reminder. We will send you 3 reminders, post which, if we still don’t receive the documents, your claim will be denied citing lack of sufficient information

✓  You will receive your claim approval/denial details via mail as well

If your claim is declined:

✓ After reviewing your claim request and the documents shared, your claim may be declined based on the terms and conditions of the policy

✓  In this event, you will receive a repudiation letter from us, conveying our stand

If your claim is approved:

✓  If everything is in order, and your claim is as per the conditions laid down in the policy, we will fast-track the process to settle your claim. You should receive the payment towards your claim via NEFT, directly into the bank account that you’ve shared the details for 

 

Click here to register your claim online. 

LET’S SIMPLIFY TRAVEL INSURANCE, SHALL WE?

What if I need cash urgently while I am travelling in a foreign country?

While travelling in a foreign country, multiple emergency cases might arise. You might require emergency medical assistance in case of a personal accident or there has been theft/ burglary etc.

Your Family Travel Insurance Plan can come in handy during such eventualities. Through the Emergency Cash Advance facility, the policy provides you with emergency cash when needed. The limit of the amount is specified in the policy terms and conditions. 

If a family member who is 60 years old is accompanying us on the trip, would he also be covered?

If you have opted for the Travel Companion or Travel Elite plan, it offers coverage to individuals between 18 and 60 years of age.

So, if a 60-year-old family member is travelling with you, it is advisable to go for the Travel Prime Age Plan or any of our senior citizen plans  only for this member.

Can I avail cashless service under the policy?

Yes, your Family Travel Insurance Policy offers cashless settlement for settlement of in-hospital medical expenses while you are abroad. For details, please refer to the terms and sub-limits of your policy. 

Are there any special features of the Family Travel Insurance Plan?

True to our promise, we’re just a phone call away!  If you’re facing an emergency situation, all you need to do is give a missed call on +91-124-6174720 and we will call you back on a priority basis.

Your Family Travel Insurance policy has some exclusive benefits as well.  It covers your entire family gets the benefit of a floater cover. This makes the policy a very affordable option.

In addition to this, it covers you against burglary of your home while you are away, along with expenses incurred in the event your trip is cancelled or curtailed.

What are the cases in which I will not be covered under Family Travel Insurance Plan?

A Family Travel Insurance Plan is like an umbrella for you. It protects you from a number of different eventualities that might occur while you are travelling abroad. However, when faced with gusty winds even the sturdiest umbrella may be overturned.

Here are some scenarios under which Family Travel Insurance claims may be declined.

●        If you were already suffering from a pre-existing medical condition or were undergoing medical treatment before your policy commenced

●        For your routine medical examination abroad

●        Medical expenses after the expiry of policy

●        Attempted suicide or self-inflicted wound or illness.

●        Venereal disease or alcoholism  or drug abuse

●        In case you are occupied with some manual work of hazardous nature

●        If you exposed yourself to needless peril unless it was an attempt to save the life of a fellow human

●        In case you undergo treatment that is unproven or non-standard

●        Expenses incurred owing to pregnancy resulting in childbirth, abortion or any complications arising thereof

●        For expenses incurred by getting treated through a medicine system other than allopathy

●        Cost of spectacles, contact lenses, hearing aid or any other medical appliances used either for diagnosis or for the purpose of treatment

●        Loss of Passport owing to confiscation of the same by the customs or police or any such authority

●        If you fail to report the loss of your passport within 24 hours of discovering the loss and obtain an official report

●        If your luggage is delayed while you are travelling back to India

●        In case you lose your passport due to your inability to protect it from being lost

How can I cancel my Travel Insurance?

There might be certain cases when you would want to cancel your travel insurance policy. You might decide to cancel your Travel Insurance Plan either before the start date of the policy or after your policy has started. The procedure for cancellation in either of the cases would be different and listed below-

Before the commencement of the policy

If you wish to cancel your policy before its commencement, then you need to inform us about the same. Remember to quote your policy number or schedule number.

Please note that there will be a cancellation charge applicable.

After commencement of Policy term- if you have not travelled

In this case, you need to send the following list of documents to us.

●        A document that proves you have not travelled abroad

●        Photocopy or scan copy of all the pages of passport including the empty pages

●        Letter stating the reason behind the cancellation

●        In case your visa has been rejected by the embassy, then a copy of the Visa rejection letter by the embassy

On the basis of approval from the underwriter on the same, your policy would be cancelled within a period of one working day. 

After commencement of Policy term- if you have travelled

If you return back before the expiry of your policy, you would be eligible for a refund subject to the rates given in the table which is present on the page.

Spreading Smiles Through Our Services

ABHIJEET DOIPHODE

Quick and easy, user friendly process to buy travel insurance.

PRADEEP KUMAR

Very good website. Easily obtained policy in few steps.

VINOD V NAIR

Quick and easy, user friendly process to buy travel insurance.

Keep your family protected abroad, with Bajaj Allianz!

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What Does Our Family Travel Insurance Cover?

 

Travel Companion is a basic travel plan that you should have whenever you are travelling internationally. It covers medical expenses of your family while abroad.

Here's what this plan offers:

 

Coverages Benefits in US $
Medical Expenses, Evacuationand Repatriation 50000
Emergency dental pain relief included in (I) above 500
Loss of Baggage (Checked)
Note: Per Baggage maximum 50 % and per item in the baggage 10 %.
250**
Delay of Baggage 100
Personal Accident
Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years
10,000***
Loss of Passport 150
Personal Liability 2,000
**Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years

This plan gives you much wider protection as compared to Travel Companion Plan. In addition to offering benefits offered by Travel Companion Plan, this plan also covers loss of checked baggage, hijack, emergency cash advance, etc.

Coverages Benefits in US $
Medical Expenses, Evacuation and Repatriation 50000
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 2,500
Loss of Checked Baggage
Note:Per Baggage maximum 50 % and per item in the baggage 10 %.
250**
Delay of Baggage 100
Loss of Passport 250
Hijack $50 per day to
maximum $ 300
Trip Delay $ 20 per 12 hrs to
max $ 120
Personal Liability 1,00,000
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
**Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years**** Cash advance would include delivery charges

Travel Prime Plan also offers similar coverage as Travel Elite Plan. However, in this plan, the coverage amount is much greater.

Under this plan, you get a wide range of policies from which you can have your pick. Each of the policies under this plan is customised to meet your specific needs.

Regardless of whether you’re 21 years of age or 60; a businessman or a student, you can find a policy that is best suited to you. For the various needs of the average traveller, we have dedicated solutions.

The Travel Prime Plan comes in three specialized variants as below:

Coverages Standard 50000 USD Silver 1 Lakhs USD Deductible
Personal Accident* 10,000 USD 10,000 USD Nil
Medical Expenses and Evacuation 50,000 USD 100,000 USD 100 USD
Emergency Dental Pain Relief included under Medical Expenses And Evacuation sum insured 500 USD 500 USD 100 USD
Repatriation 5,000 USD 5,000 USD Nil
Loss of Checked Baggage** 250 USD 250 USD Nil
Accidental Death & Disability (Common Carrier) 2,500 USD 2,500 USD Nil
Loss of Passport 250 USD 250 USD 25 USD
Personal Liability 100,000USD 100,000USD 100 USD
Hijack cover USD50 per day to maximum USD 300 USD50 per day to maximum USD 300 Nil
Trip Delay USD 20 per 12 hours to max USD 120 USD 20 per 12 hours to max USD 120 12 Hours
Hospitalization Daily Allowance USD 25 per day to max USD 100 USD 25 per day to max USD 100 Nil
Golfer’s Hole-in-one 250 USD 250 USD Nil
Trip Cancellation 500 USD 500 USD Nil
Trip Curtailment 200 USD 200 USD Nil
Delay of Checked Baggage 100 USD 100 USD 12 Hours
Home Burglary Insurance INR 100,000 INR 100,000 Nil
Emergency Cash Benefit *** 500 USD 500 USD Nil
* The personal accident cover is not on a floater basis. In event of claim Sum Assured applicable will be as follows:

• for Proposer and Earning Spouse 100 % Sum Assured
• for Non Earning Spouse and additional adult 50% of Sum Assured
• each Child 25 % of Sum Assured

** Per Baggage maximum 50 % and per item in the baggage 10 %

*** Cash Advance would include delivery charges

Things to Consider Before Buying Family Travel Insurance

Here are the key points to consider before buying family travel insurance:

  • Coverage Details:

    ✓ Understand what the policy covers, including medical and hospitalization expenses.
    ✓ Check for coverage on trip cancellation and trip curtailment.

  • Exclusions:

    ✓ Be aware of exclusions such as pre-existing conditions.
    ✓ Note that self-inflicted injuries and non-allopathic treatments may not be covered.

  • Policy Period:

    ✓ Ensure the policy covers the entire duration of your trip.

  • Cost Considerations:

    ✓ If seeking affordable options, compare different policies to find the best value.

  • Avoid Unexpected Expenses:

    ✓ Reviewing these details helps avoid unexpected costs and ensures you get the most out of your family travel insurance investment.

WHY DO I NEED FAMILY TRAVEL INSURANCE?

Whether you’ve just given in to your kids’ persistent demand to go on an African Safari or have had it on your bucket list for a while, we’re sure you’ll enjoy every moment of your travels! But travelling with family involves a lot of planning.

Even if you’ve checked off every last thing that you might need on the trip, there’s always something more that you think you should carry along, just in case! Like that shiny new selfie stick you got last week for taking panoramic family shots!

And then you remind yourself that packing everything but the kitchen sink will do nothing but give you sore wrists carting around all that luggage. Ah, and then there are the baggage limits to think about too! Whew! Now, let’s see, booking flights, hotels...all done. But wait, what about Family Travel Insurance?

Travelling abroad is not free from risk. Family Travel Insurance covers you from a host of different risks that might arise during your travel to international destinations. Delayed baggage, bodily injuries or loss of passport are just a few of the problems you might have to contend with. Thankfully, Family Travel Insurance saves you from the financial hassles involved.

When you are at an international destination, a skiing accident or loss of baggage can turn your dream holiday into an unfortunate saga! Family Travel Insurance takes care of it for you!

So, fasten your seatbelts, and head off, worry-free, for some quality time with your loved ones!

How to Choose/Buy Family Travel Insurance?

1) Evaluate Your Requirements : Determine your family's specific travel insurance needs based on your trip details.

2) Explore Bajaj Allianz Options : Review plans such as Travel Companion, Travel Elite, and Travel Prime offered by Bajaj Allianz General Insurance Company.

3) Visit the Website : Go to the Bajaj Allianz General Insurance Company website.

4) Get Quotes : Enter your travel details to receive immediate and accurate quotes.

5) Compare Plans : Evaluate the coverages and benefits of each plan.

6) Select the Best Fit : Choose the plan that best meets your requirements.

7) Complete Purchase : Finalize and buy the insurance plan online.

8) Budget-Friendly : Find an affordable plan without sacrificing essential coverage.

WHY BAJAJ ALLIANZ TRAVEL INSURANCE?

When it comes to choosing something for your family, you’d only want the best. Family Travel Insurance is no different! Over the years, we’ve gained an intimate understanding of your travel insurance needs which forms the basis for our customised Family Travel Insurance plans.

CNBC has honoured us with the coveted ‘Best Travel Insurance Company’ award in the insurance companies segment. Here are some of the distinct features and benefits of our Family Travel Insurance plan:

✓    24X7 toll-free Customer Support anywhere in the world.

✓     Quick and easy settlement of claims.

✓     Emergency Cash feature lets you get cash anywhere in the world.

 ✓     Emergency assistance in case of loss of baggage, loss of passport or other incidental expenses.

 ✓     Hospitalization expense cover in case of bodily injuries to you or your family.

 ✓     Flight cancellation or curtailment coverage.

 ✓     Burglary coverage.

 ✓     Global network of claims servicing partners spanning multiple countries.

✓     Cashless treatment facility.

Is buying Family Travel Insurance worth the money? Certainly. Consider this: For a premium of just Rs. 1400, you can get coverage worth US $50,000 for your family for a 15 day trip to UK. 

AWARDS AND RECOGNITIONS

We were the proud recipients of the CNBC Best Travel Insurance Company Award in 2010, 2011 and 2014. Thank you for your trust in us. It drives us to exceed your expectations every day!

IMPORTANT POINTS TO NOTE BEFORE BUYING FAMILY TRAVEL INSURANCE

  • Inclusions

  • Exclusions

Medical and hospitalization

Trip cancellation and curtailment 

(not available for travel companion family plan)

Loss of passport/baggage

Personal Liability

Flight delay

(not available for travel companion family plan)

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Pre-existing condition or illness

Medical expenses beyond the expiry of the policy period.

Suicide, attempted suicide or willfully self-inflicted injury or illness, anxiety/stress/ depression/nervousness, 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 baggage 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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Customer Reviews & Ratings

Average Rating:

 4.62

(Based on 5,340 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

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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