bajaj allianz student travel insurance policy Review

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Bajaj Allianz Student Travel Insurance Policy Introduction

Bajaj Allianz Student Travel Insurance Policy is a customized policy for students travelling abroad to study.Studying abroad helped to the Student significantly with their professional development.Employers like to see someone who can think outside the box and work in a variety of settings.For that Bajaj Allianz introduced A Customized policy for students travelling abroad to study.

Studying abroad in a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. A student living alone outside India might also need visits from family or other back-ups if something goes wrong. Bajaj Allianz Student travel policy covers you for all such eventualities for just a fraction of the amount you would otherwise need.

Bajaj Allianz Travel Insurance policy Key Features and Benefits

Key Features:

Covers expenses of hospitalization, loss of baggage, accident to sponsor, family visit and other incidental expenses.
Covers you against bail bonds and tuition fee.
Covers you against loss of passport.
Covers you for emergency dental pain relief.
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:

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. Besides these, it carries two Special Condition covers for any one illness and any one accident, for senior citizens.

Bajaj Allianz Student travel insurance Policy Cover

Bajaj Allianz have two types of policy cover they are

1.Bajaj Allianz Student Travel Companion Plan

2.Bajaj Allianz Student Travel Elite policy

1.The study companion plan is customized for students travelling abroad for studies.It caters to the medical exigencies that a student might face while studying abroad.Based on premium,sum insured and certain other criteria,there are three options to choose from under this student travel insurance plan-standard,Silver and gold.

Bajaj Allianz Student travel companion plan	Standard	Silver	Gold
Coverages	Benefit in US$	Benefit in US$	Benefit in US$
Medical Expenses,Evacuationand Repatriation	50,000	1,00,000	2,00,000
Emergency dental pain reliefincluded in (I) above	500	500	500
Tuition Fee	10,000	10,000	10,000
Personal AccidentOnly 50% of the Sum assured in respect of the death of the insured person below age of 18 years	50,000	50,000	50,000
Loss of Baggage (Checked)Per baggage maximum 50% and per item in baggage maximum 10%	1,000	1,000	1,000
Accident to Sponsor	10,000	10,000	10,000
Family Visit	7,500	7,500	7,500
Personal Liability	1,00,000	1,00,000	1,00,000

2.The Student Elite plan is a customized insurance policy for students travelling abroad.It covers your trip abroad as well as takes care of helth related needs during your stay abroad.There are 3 options under this student travel insurance plan-standard. Silver and Gold. The details of the same are:

Bajaj Allianz Student travel elite plan	Standard	Silver	Gold
Coverages	Benefit in US$	Benefit in US$	Benefit in US$
Medical Expenses,Evacuationand Repatriation	50,000	1,00,000	2,00,000
Emergency dental pain reliefincluded in (I) above	500	500	500
Personal Accident	25,000	25,000	25,000
AD & D Common Carrier	2,500	2,500	2,500
Loss of Baggage (Checked)Per baggage maximum 50% and per item in baggage maximum 10%	1,000	1,000	1,000
Bail Bond Insurance	500	500	500
Tuition Fee	10,000	10,000	10,000
Accident to Sponsor	10,000	10,000	10,000
Family Visit	7,500	7,500	7,500
Personal Liability	1,00,000	1,00,000	1,00,000

Bajaj Allianz Student Travel Insurance Claim process

Type of Claim	Documents Required	Procedure
Medical Accident & Sickness Expenses (outside India)	Claim Form (to be signed by the Treating Doctor & You) and with the Claims Reference Number ROMIF 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.	Contact Assistance Department at the number given, obtain a Claim form from them and fill it in. It is necessary to obtain the attending physician’s signature on the Form. Collect all bills/Receipts & Invoices Submit all documents to the address mentioned on the policy schedule
Loss of Baggage	Signed Claim Form Copies of boarding Pass/Ticket/Baggage Tags Copies of correspondence with the Airline authorities/others certifying the delay PIR Report (to be obtained from the airline authorities) Details of compensation received from Airlines/other authorities Bills and receipts of purchase of emergency toiletries and medicines	Obtain confirmation of the delay from the airline. Claim Form can be obtained from Assistance Department Fill in the Claim Form and submit all documents to the address mentioned on the policy schedule
Delay of Baggage	Signed Claim Form Copies of boarding Pass/Ticket/Baggage Tags Copies of correspondence with the Airline authorities/others certifying the delay PIR Report (to be obtained from the airline authorities) Details of compensation received from Airlines/other authorities Bills and receipts of purchase of emergency toiletries and medicines	Obtain confirmation of the delay from the airline. Claim form can be obtained from our Assistance Department Fill in the Claim Form and submit all documents to the address mentioned on the policy schedule
Loss of Passport	Copy of new passport Copy of previous passport (if available) Copy of return tickets Proof of complaint to the local police Details of expenses incurred in obtaining fresh passport	File a complaint with the local police Contact the Indian Embassy, wherever necessary Submit all documents to the address mentioned on the policy schedule
Tuition Fees	Duly filled in claim form Copy of the receipt of payment of advance tuition fee Letter informing the school regarding the inability of the student to continue the semester duly acknowledged by the school. Discharge card of hospitalization along with detailed medical report and all investigation reports.	Obtain confirmation of inability to attend school from the school authorities Claim form can be obtained from our Assistance Department Fill in the Claim form and submit all documents to the address mentioned in the policy schedule
Accident to Sponsor	Duly filled personal accident claim form. Copy of the death certificate of the deceased Death Summary from the hospital were last treated. Letter from the school authorities intimating about the balance tuition fee if any for the course. Any other documents if required will be informed by the claims department of Bajaj Allianz	Inform Bajaj Allianz Assistance Department regarding the incident Submit all documents to the address mentioned in the policy schedule
Family Visit	Duly filled Medical Sickness or Personal Accident claim form Certificate from the doctor treating the you mentioning the requirement of an attendant & reasons for the same Travel tickets in original along with the copy of the visa & passport	Inform Bajaj Allianz Assistance Department regarding your condition Obtain prior authorization that the travel of the family member will be covered Submit all documents to the address mentioned on the policy schedule
Personal Liability	Full statement of the facts in writing Witness statements Any other documents relevant to the incident, including Summons, Legal Notice, etc	Inform our Claims Dept. immediately (at the address given on the policy schedule below) giving full details of the incident. Do not commit any benefit / compensation or enter into an agreement.
Accidental Death & Disability	Our Claims Dept. will advise on documentation upon receipt of claim notification	Collect all documents pertaining to the loss including correspondence with carrier and submit all documents to the address mentioned on the policy schedule Claim Form can be obtained from our Assistance Department

Bajaj Allianz Travel Insurance policy Exclusions

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.

Bajaj Allianz Student Travel Insurance Policy FAQs

1.For whom is the Travel Companion policy ideal?

A.The Travel Companion policy is a comprehensive package which provides complete medical and health cover to the international traveller.The Student Companion policy covers a host of risk factors for the student travelling abroad.

2.Why do I need Travel Companion?

Travelling abroad to a foreign land entails a lot of risk.Medical expenses in foreign currency and hospitalization can be prohibitively expensive.Travel Companioin covers you for all medical eventualities for just a fraction of the amount you would otherwise need.

Bajaj allianz student travel insurance policy