Bajaj Allianz Senior Citizen Travel insurance Introduction
Peace of mind coverage regardless of age.Genealogical Tourism is an increasingly popular type of travel as many seniors find personal fulfillment by having vacation with a deeper purpose. Senior citizens deserves to discover the joys of travelling and vacationing. Bajaj Allianz offering the Travel insurance for Seniors is for those aged between 71 and 80 years,and offers extensive coverage to provide protection to the elderly across the globe.
Key Features and Benefits for Bajaj Allianz Travel Insurance policy
Key Features:
Travelling Senior citizens abroad to a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. Bajaj Allianz travel policy covers you for all medical eventualities for just a fraction of the amount you would otherwise need.
- 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
Benefits:
One of the important benefits of Bajaj Allianz Senior Citizen travel policy.
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.
Senior Citizen Travel insurance Policy Cover:
Bajaj Allianz has been Categorized Senior Citizen Travel insurance policy into 3 Types based upon their age they are
1.Travel Companion
2.Travel Elite 61-70
3.Travel Elite 71-75
1.Travel Companion:
| Coverages | Benefits in US $ |
| Medical Expenses, Evacuation and RepatriationAny one illness – liability limited to US $12,500. Hospitalisation due to accident – max. liability -US $25,000. Overall max. liability under this head – US $ 50,000, aggregate during the policy period. ++ | *50,000 |
| Emergency dental pain relief included in (I) above | 500 |
| Loss of Baggage (Checked)Note: Per baggage maximum of 50% and per item in the baggage max 10%. | 250* |
| Delay of Baggage | 100 |
| Personal Accident | 25,000 |
| Loss of passport | 250 |
| Personal Liability | 1,00,000 |
| Hijack | $ 50 per day to amaximum $ 300 |
| Trip Delay | – |
| Emergency Cash Advance ++Cash advance would include delivery charges. | 500 |
| Golfer Hole-in-one | 250 |
Per baggage maximum of 50% and per item in the baggage max 10% + Any one illness-liability limited to US $12,500.
Hospitalisation due to accident-max.liability-US $25,000.Over max.liability under this head-US $ 50,000, aggregate during the policy period.++Cash advance would include delivery charges.
2.Travel Elite 61-70:
| Silver | Gold | Platinum | |
| Coverages | Benefit in US$ | Benefit in US$ | Benefit in US$ |
| Medical Expenses,Evacuationand Repatriation | 50,000 | 2,00,000 | 5,00,000 |
| Emergency Dental Pain Reliefincluded in (I) above. | 500 | 500 | 500 |
| Personal Accident | 15,000 | 25,000 | 25,000 |
| AD&D Common Carrier | 2,500 | 5,000 | 5,000 |
| Loss of Baggage (Checked) **Note: Per Baggage maximum 50 % & per item in the baggage 10 %. | 500 | 1,000 | 1,000 |
| Delay of Baggage | 100 | 100 | 100 |
| Loss of Passport | 250 | 250 | 250 |
| Hijack | $50 per day to max $ 300 | $60 per day to max $ 360 | $60 per day to max $ 360 |
| Trip Delay | $ 20 per 12 hrs tomax $ 120 | $ 30 per 12 hrs tomax $ 180 | $ 30 per 12 hrs tomax $ 180 |
| Personal Liability | 1,00,000 | 2,00,000 | 2,00,000 |
| Emergency Cash Advance****Note: Cash Advance Would include delivery charges | 500 | 1,000 | 1,000 |
| Golfer Hole-in-one | 250 | 500 | 500 |
| Trip Cancellation | 500 | 1,000 | 1,000 |
| Home Burglary Insurance | Rs.1, 00,000 | Rs.2, 00,000 | Rs.3, 00,000 |
| Trip Curtailment | 200 | 300 | 500 |
| Hospitalization Daily Allowance | $25 per day to max $100 | $25 per day to max $125 | $25 per day to max $150 |
| Special Conditions (limit of liability) | |||
| Any one illness | 12,500 | 15,000 | 17,500 |
| Any one accident | 25,000 | 30,000 | 35,000 |
Per Baggage maximum 50 % and per item in the baggage 10 %.Cash Advance Would include delivery charges.
3.Travel Elite 71-75:
| Coverages | Benefits in US $ |
| Medical Expenses, Evacuation and Repatriation | 50,000 |
| 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 | 1,500 |
| Loss of Checked Baggage**Note:Per Baggage maximum 50 % and per item in the baggage 10 %. | 500 |
| Delay of Baggage | 100 |
| Loss of Passport | 250 |
| Hijack | $50 per day to max.$300 |
| Trip Delay | $20 per 12hrs. to max.$120 |
| Personal Liability | 100,000 |
| 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 |
| Special conditions* | |
| Any one illness | 10,000 |
| Any one accident | 20,000 |
Per Baggage maximum 50% and per item in baggage maximum 10%. +Cash advance would include delivery charges.
Bajaj Allianz Senior Citizen 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.
Exclusions Applicable to 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 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 e 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.
Premium Table:
In case of any early return of the insured person prior to expiry of the policy period the company will refund premium at the following rates subject to no claims being incurred on the policy.
FAQ’S:
1.Can I buy insurance from overseas for my parents who live in India and coming to visit me? Will this policy be a valid insurance?
A.Yes, you can buy Bajaj Allianz travel plan for your parents and relatives using international debit or credit cards. The email copy of the policy is a valid legal document and proof of your insurance cover.
2.Can I get travel medical insurance for senior citizens who are above 70 years?
A.Yes, senior citizen travelers who are aged 71 to 85 years are also eligible to buy Bajaj Allianz travel insurance policy for 6 months with $50,000 coverage. Refer to Bajaj Allianz Senior Citizen Travel Insurance for more details.
3.What is the cancellation Procedure before the policy start date?
A. 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 email .There will be a Rs 250/- cancellation charges.
4.What are the documents required After the policy start date – IF the Insured has not Travelled?
A. 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).