Introduction:
“Imagine” a world where buying insurance takes less time than booking a movie ticket.Bajaj Allianz Travel Insurance Services has been helping people just like you insure their travel plans for over 30 years. With one of Bajaj Allianz travel insurance plans are Family Travel insurance plan,Travelling abroad to a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. So Bajaj travel policy covers you for all medical eventualities for just a fraction of the amount you would otherwise need.
A hundred things can go wrong when you travel. Something that’s an inconvenience at home can ruin your holiday when you’re abroad. Is your family covered?If you are travelling abroad with your family,this package is designed for you.It covers the entire family(self & spouse -upto-60 years of age,two children- under 21 years)for medical eventualities abroad and provides floater benefit to individual family members.
Key Features and Benefits for Bajaj Allianz Family Travel Insurance policy
Key Features:
Travelling with family to a abroad is a lot of risk.Medical expenses in foreign currency and hospitalization can be prohibitively expensive. Here Bajaj Allianz Travel policy cover you for all medical eventualities .The main key features that Bajaj Allianz Travel policy offering are:
- Covers expenses of hospitalization, loss of baggage and other incidental expenses
- Covers you against trip cancellation, trip curtailment and burglary of your home*
- Quick disbursement of claims
- Global expertise matched with local knowledge
- Innovative packages to match individual needs
- Only insurance company with in-house international toll-free numbers and fax numbers
Benefits:
One of the important benefits of Bajaj Allianz Family travel policies is
Need of Cash Abroad:
Emergency Cash Advance. It is an assistance service wherein the company facilitates providing emergency cash to the insured during incidents such as theft/burglary of luggage/money or hold ups by co-coordinating with the insured person’s relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in the policy schedule.
Family Travel insurance Policy Cover:
Bajaj Allianz have two types of policy cover they are
1.Travel Companion plan:
If You are travelling with your family, this package is specially devised for you.
| 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 AccidentOnly 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.
2.Travel Elite Plan:
| Coverages | Benefits in US $ |
| Medical Expenses, Evacuation and Repatriation | 50000 |
| Emergency dental pain relief included in (I) above | 500 |
| Personal AccidentNote: 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 BaggageNote:Per Baggage maximum 50 % and per item in the baggage 10 %. | 250** |
| Delay of Baggage | 100 |
| Loss of Passport | 250 |
| Hijack | $50 per day tomaximum $ 300 |
| Trip Delay | $ 20 per 12 hrs tomax $ 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.
Bajaj Allianz Individual Travel Insurance Claims Process:
For Hospitalisation
If you are admitted to a hospital after OPD consultation or otherwise please notify Bajaj Allianz immediately. The Insurance medical assistance department (doctor) will discuss your medical condition with the Treating doctor and if it is confirmed that the admission to a hospital is NOT due to any pre-existing conditions or any conditions listed in the exclusion list, then the Insurance Company shall guarantee payments to the hospital and settle the payments with the hospital.
Documents Required:
In order to expedite processing of the claim you must send the following documents immediately by fax to +91-20-30512207 or scan and email to us at travel@bajajallianz.co.in
- Completed Claim Form signed by the Treating Doctor and You
- Name, address and contact details of the Local / Family Medical Doctor in India
- Signed copy of the RELEASE OF MEDICAL INFORMATION FORM (ROMIF) to authorize your Treating Doctor and Local Medical Doctor in India to release your medical information to the Insurance Medical Assistance Department
- Treating Doctor’s medical report
- Estimated medical expenses
- Date of Travel from India
- Details of domestic health Insurance policy, if any (Policy No, name and address of insurance company)
- Copy of passport with exit stamp from India and entry into overseas country
For Outpatient Treatment
For outpatient consultation, you will have to self-pay and file the claim upon return to India. However, if the amount is above USD 500 and you are facing difficulty in making payments due to shortage of cash on hand then Bajaj Allianz can arrange to make payments on behalf of you, provided the medical condition is confirmed to be non-pre-existing.
Documents Required:
The important documents required to file a claim is as follows:
- Claim Form (To be signed by the Treating Doctor and Insured) and with the Claims Reference Number.
- Doctor’s medical report.
- Original admission/discharge card
- Original bills, receipts and prescriptions
- Original X-ray, pathological and investigative reports
- Copy of passport, visa with entry and exit stamp
Exclusions Applicable to Family Travel Policies:
- Any medical condition or complication arising from it which existed before the commencement of the Policy Period, or for which care, treatment or advice was sought, recommended by or received from a Physician.
- Routine physical or other examination where there is no objective indication of impairment of normal health.
- Medical expenses beyond the expiry of the Policy Period.
- Suicide, attempted suicide or wilfully self-inflicted injury or Illness, mental disorder, anxiety/stress / depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs.
- Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), or if 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, and 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 the passport.
Travel Insurance Cancellation Procedure
BEFORE THE POLICY START DATE
- The insured is expected to inform us and an E mail should be sent by the insured requesting the cancellation.
- He/she should furnish policy number or schedule number in the E mail.
There will be a Rs 250/- cancellation charges.
AFTER THE POLICY START DATE – IF THE INSURED HAS NOT TRAVELLED
Following documents should be sent to us:
- Proof that the insured has not travelled overseas.
- Photo copy or Scan copy of all the pages (including empty pages) of the passport.
- Reason for policy cancellation.
- Visa rejection letter in case of visa refusal by embassy.
Based on the underwriters approval the policy will be cancelled within one working day after receiving the email (and passport copy post start date).
AFTER THE POLICY START DATE – IF THE INSURED HAS TRAVELLED
In case of any early return of the insured person prior to expiry of the policy period, the company will refund premium at the rates shown in adjacent table (subject to no claims being incurred on the policy)
Family Travel Insurance Plan Premium Table:
FAQ’S:
1.Any Other Special Features?
- The Golfer’s Hole-in-one is a sporting gesture from the company. It offers reimbursement of expenses incurred in celebrating a hole-in-one by the insured during the trip, anywhere in the world (excluding India), in a United States Golfers’ Association recognized golf course. This cover is provided in Travel Companion.
- Travel Elite also provides a Golfer’s Hole-in-One cover. In addition to this, it covers you against burglary of your home while you are away, along with expenses incurred in the event that your trip is cancelled or curtailed.