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) |
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Loss of Baggage |
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Delay of Baggage |
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Loss of Passport |
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Tuition Fees |
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Accident to Sponsor |
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Family Visit |
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Personal Liability |
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Accidental Death & Disability |
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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.