Bajaj Allianz Individual Travel Insurance Policy

Bajaj Allianz Individual Travel Insurance Policy Introduction

Bajaj Allianz  Individual Travel insurance is used to get rid your worries and offering many options to protect yourself in abroad, So that you can concentrate on rejuvenate.A strong desire for or impulse to Wander or travel and explore the world. Travel is the movement of people between relatively distant geographical locations,Travelling is one of the major aspect in human life.Now Travel overseas without any worries Safeguard yourself from the unforeseen troubles with the best travel insurance.

Things may go wrong during your trip even after assiduous planning means Baggage loss etc.,at that time the travel insurance is very useful.Travel Insurance means insuring the risks of having a financial loss or any medical emergency while traveling. Bajaj Allianz Travel insurance policy has best features.When you flying individually Bajaj Allianz Travel insurance policy is very helpful.

Key Features and Benefits for Bajaj Allianz Travel Insurance policy

Key Features:

Travelling individual 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.
• Innovative packages to match individual needs.
• Cashless Service.
• Cover against Legal Personal Liability.
• Emergency Cash Advance.

Benefits:

One of the important benefits of Bajaj Allianz travel policies is

Emergency Cash Advance:

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

Individual Travel insurance Policy Cover:

Bajaj Allianz have two types of policy cover they are

1.Travel Companion Plan.

2.Travel Elite Plan.

Travel Companion Plan:

               The Travel Companion and overseas travel insurance policy is a comprehensive package which provides complete medical and health cover to the international traveller. 

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 Elite Plan:

Travel Elite an online travel insurance the provides the discerning traveler an array of policies to choose from, with each policy customized to meet your specific needs.Depending upon whether one is a student, businessman, corporate executive, senior citizen or one traveling with the family, one can choose.

 Bajaj Allianz Individual Travel Insurance Claims Process:

The most important aspect of claim settlement in travel insurance is coordinating with the hospitals and local service providers in the foreign country.Bajaj Allianz has a network of assistance companies in over 30 countries that enable medical assistance.Bajaj Allianz is the only private general insurer in India to have an in-house team for handling travel claims.This mainly provides so many benefits to the customer like

• 24×7 availability.
• Direct relationship with the customer and direct communication with hospitals in case of requirement of documents.
• Quick settlement of travel insurance claims.
• Faster resolution of dispute and faster decision making on admissibility of claims
• International toll-free phone and fax number.Phone – +91 20 30305858,Fax – +91 20 30512207,

Email – travel@bajajallianz.co.in.

Required procedure to claim:

Exclusions Applicable to Travel Policies:

• Any medical condition arising from it which existed before the commencement of the policy period, or for which care, treatment or advice was sought, recommended by or received from a physician.
• Routine physical or other examination where there is no objective indication of impairment of normal health.
• Medical expenses beyond the expiry of the policy period.
• Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs.
• Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), engaging in any criminal or illegal act.
• Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
• Experimental, unproven or non-standard treatment.
• Treatment by any other system other than modern medicine (also known as Allopathy).
• The cost of spectacles, contact lenses, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment.
• Delay of 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.

Travel Insurance Cancellation Procedure

BEFORE THE POLICY START DATE:

• The insured is expected to inform to the Bajaj Allianz insurance company  and an E mail should be sent by the insured requesting the cancellation.And then 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 Bajaj Allianz insurance Company:

• 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 the policyholder returns earlier than the policy period expires, Bajaj Allianz Travel Insurance Plans offer a refund of premiums paid, subject to no claims being made.  

FAQ’S:

1.How can I renew an existing policy being overseas if the stay is extended?

• The plan can be renewed online by filling a form before 7-10 days of the expiry of coverage. We will get an approval from the concerned team for an extension of the policy within 24 hours. Travelers can initially buy the policy for 180 days and renew the same plan for another 180 days.

2.What information do I need to complete the online application?

• All the information required to complete the application is available in the applicants passport. The main data elements are the applicants complete name, passport number, date of birth, mailing address and telephone number in India, the assignee (the beneficiary for the policy in the event of death or dismemberment of the traveler) and the correct travel dates

3.Does Bajaj Allianz travel insurance cover for medical expenses also?

• The minimum duration varies for different insurance plans. It is typically for as little as five days.

4.What are the benefits of buying a term or traditional plan online?

• Bajaj Allianz travel insurance policy covers the insured for medical expenses incurred during travelers’ overseas visit and rest of all details available in plan Brochure .

5.What is the proof of my purchased insurance?

• When the insurance application and the payment is completed online, you will immediately get a confirmation email along with insurance details. You will then get a policy document in the PDF format by email (within a few hours and at most within one day). In that policy document will have your name, policy number, insurance company’s contact information like toll-free telephone number and the address etc., where claims should be submitted.

6.Where should I call for claims assistance while I am abroad?

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

In case of any claim or assistance abroad call Toll-Free Numbers :

About Bajaj Allianz Student Travel Insurance

About Bajaj Allianz Senior Citizen Travel Insurance

About Bajaj Allianz Family Travel Insurance