Bharti AXA Travel insurance policy

Bharti AXA Individual Travel Insurance policy plan Introduction

Bharti AXA Individual Travel Insurance policy is a joint venture between Bharti Enterprises and AXA, world leader in financial protection and wealth management. Bharti AXA offer a wide range of insurance and wealth management products.

Bharti AXA individual Travel insurance policy is one of the product which is very useful to the people who are Looking forward to a trip abroad without worries.While travelling overseas, financial emergencies and travel emergencies can create difficulties. Make sure that you think smart and allow Bharti AXA Insurance policy to protect you end to end.And get complete overseas travel protection for you and your family.

It is very important to select the right travel insurance plan while planning for international business trip or overseas holiday with your family.Since illness, injury, cancellation of trips etc,few risks that need to be covered with Bharti AXA Individual Travel Insurance Policy.

Bharti AXA travel insurance plan consists of three products for family and individuals they are

Bharti AXA Travel Insurance Policy Eligibility and Conditions

Eligibility Age for Bharti AXA Travel Insurance Policy:

Bharti AXA Individual Travel insurance policy is eligible for persons in the age group of 3 months to 85 years for Non-Schengen Products .
The eligible age group for Schengen products is 3 months to 60 years
The eligible age group for Annual Multi-trip Products is 3 months to 70 years.

Conditions for Bharti AXA Travel Insurance Policy:

Persons in the age group of 60-85 years (for Non-Schengen Products) and age group of 60-70 years (for Annual Multi-trip products)will be underwritten based on merits of the case.
Bharti AXA Travel Insurance Policy can be issued to an individual and/or family as a Family Floater which includes Insured, Wife and 2 dependent children below 23 years of age.
All Citizens of India and permanent residents of India as well as expatriates or foreigners who are holding an employment pass, dependant pass or work permit and residing in India.

Bharti AXA Travel Insurance Policy Key Features and benefits

1.Bharti AXA Travel Insurance Policy key features and benefits for Schengen products is:

Minimum no. of days per trip shall be 2 days and is extendable up to a maximum of 356 days.
Plans available are Smart Traveller Schengen Silver, Smart Traveller Schengen Gold and Smart Traveller Schengen Platinum.
Applicable to people travelling to Schengen countries.Please check with Schengen visa authorities with regard to requirement in the policy.

Individual/Family Travel Insurance Policy benefits for Schengen

Section	Coverage	Smart Traveller – Schengen Silver	Smart Traveller – Schengen Gold	Smart Traveller – Schengen Platinum	Deductibles
I	Medical Expenses (incl. repatriation & Emergency Medical Evacuation)	€ 30,000	€ 50,000	€ 100,000	€ 50
II	Dental Treatment Expenses	€ 500	€ 500	€ 500	€ 50
III	Personal Accident	€ 10,000	€ 15,000	€ 20,000	Nil
IV	Accidental Death and Dismemberment – Common Carrier	€ 2,500	€ 2,500	€ 2,500	Nil
V	Daily Allowance in case of Hospitalisation	No Cover	€ 25 per day for 7 days	€ 25 per day for 7 days	First 2days
VI	Compassionate Visit	Round trip and stay expenses of the immediate family member to visit the Insured if he/she is hospitalized for more than 7 consecutive days.Reimbursement of return fare of the Insured to visit the native place in the unfortunate event of the immediate family member being hospitalized for more than 7 consecutive days in India or in the event of death of spouse, dependent children or parents			Nil
VII	Loss of Passport and documents	€ 350	€ 350	€ 350	€ 25
VIII	Total loss of checked baggage	€ 500	€ 500	€ 1000	Nil
IX	Delay of checked baggage	€ 100	€ 100	€ 100	6 hrs
X	Trip Delay	No Cover	€ 50	€ 50	6 hrs
XI	Trip Cancellation and Interruption	No Cover	€ 500	€ 500	Nil
XII	Missed Connection	No Cover	€ 250	€ 250	Nil
XIII	Personal Liability	€ 50,000	€ 100,000	€ 100,000	Nil
XIV	Hijack Distress Allowance	No Cover	€ 75	€ 75	12 hours
XV	Home Fire Insurance – Contents (in INR)	No Cover	No Cover	Rs. 100000	Nil
XVI	Home Burglary Insurance – Contents (in INR)	No Cover	No Cover	Rs. 100000	Nil

2.Bharti AXA Travel Insurance Non Schengen products:

Minimum no. of days per trip shall be 2 days and is extendable upto a maximum of 356 days.
Plans available are Smart Traveller Gold, Smart Traveller Silver, Smart Traveller Essential, Smart Traveller Regular and Smart Traveller Basic.

Individual/Family Travel Insurance Policy – Basic Cover – Benefits Comparison

Section	Particulars of Benefit	Smart Traveller – Basic	Smart Traveller – Regular	Smart Traveller – Essential	SmartTraveller – Silver	Smart Traveller – Gold	Deductibles
I	Medical Expenses (incl. repatriation & Emergency Medical Evacuation)	US$ 50000	US$ 100000	US$ 200000	US$ 300000	US$ 500000	US$ 50
II	Dental Treatment Expenses	US$ 500	US$ 500	US$ 500	US$ 500	US$ 1000	US$ 50
III	Personal Accident	US$ 15000	US$ 20000	US$ 25000	US$ 30000	US$ 40000	Nil
IV	Accidental Death and Dismemberment – Common Carrier	US$ 2500	US$ 2500	US$ 2500	US$ 5000	US$ 5000	Nil
V	Daily Allowance in case of Hospitalisation	No Cover	US$ 25 per day for 7 days	US$ 25 per day for 7 days	US$50 per day for 7 days	US$50 per day for 10 days	First 2 days
VI	Compassionate Visit	Round trip and stay expenses of the immediate family member to visit the Insured if he/she is hospitalized for more than 7 consecutive days.Reimbursement of return fare of the Insured to visit the native place in the unfortunate event of the immediate family member being hospitalized for more than 7 consecutive days in India or in the event of death of spouse, dependent children or parents					Nil
VII	Loss of Passport and documents	US$ 350	US$ 350	US$ 350	US$ 350	US$ 350	25
VIII	Total loss of checked baggage*	US$ 500	US$ 1000	US$ 1250	US$ 1250	US$ 2000	Nil
IX	Delay of checked baggage	US$ 100	US$ 100	US$ 100	US$ 125	US$ 150	6 hours
X	Trip Delay	US$ 50	US$ 50	US$ 50	US$ 50	US$ 75	6 hours
XI	Trip Cancellation and Interruption	No Cover	US$ 500	US$ 500	US$ 500	US$ 1000	Nil
XII	Missed Connection	No Cover	US$ 250	US$ 300	US$ 350	US$ 750	Nil
XIII	Personal Liability	US$ 50000	US$ 100000	US$ 200000	US$ 250000	US$ 300000	Nil
XIV	Financial Emergency Assistance	No Cover	No Cover	US$ 300	US$ 350	US$ 750	Nil
XV	Hijack Distress Allowance	US$ 75	US$ 75	US$ 75	US$ 100	US$ 200	12 hours
XVI	Home Fire Insurance – Contents (in INR)	No Cover	Rs. 200000	Rs. 200000	Rs. 300000	Rs. 500000	Nil
XVII	Home Burglary Insurance – Contents (in INR)	No Cover	Rs. 200000	Rs. 200000	Rs. 300000	Rs. 500000	Nil
XVIII	Loss of Deposit or cancellation – Hotel and Airline	No Cover	No Cover	US$ 250	US$ 500	US$ 1000	Nil
XIX	Overbooked Flight	No Cover	No Cover	US$ 250	US$ 500	US$ 1000	Nil
XX	Bail Bond	No Cover	No Cover	US$ 2500	US$ 2500	US$ 5000	Nil
XXI	Legal expenses	No Cover	No Cover	US$ 100	US$ 200	US$ 400	Nil
XXII	Pet Care	No Cover	No Cover	US$ 100	US$ 200	US$ 400	Nil
XXIII	Emergency accommodation	No Cover	No Cover	US$ 250	US$ 500	US$ 1000	Nil
per baggage maximum 50% and per item in baggage max 10%

3.Bharati AXA Travel Insurance Policy Annual Multi Trip products:

Minimum no. of days per trip shall be 2 days and per trip the duration should not exceed more than 30 days, 45 days, and 60 days as per the plan chosen.
Plans available are Smart Traveller Multi-trip Silver, Smart Traveller Multi-trip Gold and Smart Traveller Multi-trip Platinum.

Individual/Family Travel Insurance Policy-Annual Multi Trip Products

Section	Particulars of Benefit	Smart Traveller -Multi trip Silver	Smart Traveller -Multi trip Gold	Smart Traveller -Multi trip Platinum	Deductible
I	Medical Expenses (incl. repatriation & Emergency Medical Evacuation)	US$ 100000	US$ 250000	US$ 500000	US$ 50
I	Dental Treatment Expenses	US$ 500	US$ 500	US$ 1000	US$ 50
III	Personal Accident	US$ 20000	US$ 25000	US$ 40000	Nil
IV	Accidental Death and Dismemberment – Common Carrier	US$ 2500	US$ 2500	US$ 5000	Nil
V	Daily Allowance in case of Hospitalisation	US$ 25 per day for 7 days	US$ 25 per day for 7 days	US$ 50 per day for 10 days	2 days
VI	Compassionate Visit	Round trip and stay expenses of the immediate family member to visit the Insured if he/she is hospitalized for more than 7 consecutive days.Reimbursement of return fare of the Insured to visit the native place in the unfortunate event of the immediate family member being hospitalized for more than 7 consecutive days in India or in the event of death of spouse, dependent children or parents			Nil
VII	Loss of Passport and documents	US$ 350	US$ 350	US$ 350	US$ 25
VIII	Total loss of checked baggage	US$ 1000	US$ 1250	US$ 2000	Nil
IX	Delay of checked baggage	US$ 100	US$ 100	US$ 150	6 hours
X	Trip Delay	US$ 50	US$ 50	US$ 75	6 hours
XI	Trip Cancellation and Interruption	US$ 500	US$ 500	US$ 1000	Nil
XII	Missed Connection	US$ 250	US$ 300	US$ 750	Nil
XIII	Personal Liability	US$ 100000	US$ 200000	US$ 300000	Nil
XV	Hijack Distress Allowance	US$ 75	US$ 75	US$ 200	12 hours
XVI	Home Fire Insurance – Contents (in INR)	Rs. 100000	Rs. 200000	Rs. 500000	Nil
XVII	Home Burglary Insurance – Contents (in INR)	Rs. 100000	Rs. 200000	Rs. 500000	Nil
XVIII	Loss of Deposit or cancellation – Hotel and Airline	No Cover	US$ 250	US$ 1000	Nil
XIX	Overbooked Flight	No Cover	US$ 250	US$ 1000	Nil
XX	Bail Bond	No Cover	US$ 2500	US$ 5000	Nil
XXI	Legal expenses	No Cover	US$ 100	US$ 400	Nil
XXII	Pet Care	No Cover	US$ 100	US$ 400	Nil
XXIII	Emergency accommodation	No Cover	US$ 250	US$ 1000	Nil

Bharati AXA Travel Insurance Policy Cover

1.Emergency Medical Expenses and Evacuation:

Bharti AXA Travel Insurance policy covers Medical Expenses inclusive of Repatriation and Emergency Medical Evacuation.

2.Dental Care Expenses:

Bharti AXA travel insurance gives you a medical expenses related to acute anaesthetic treatment of a natural tooth or teeth during a trip.

3.Personal Accident:

Payment of compensation if the Insured sustains accidental bodily injury during a trip resulting in death or Permanent Total Disablement or Permanent Partial Disablement within 12 months of occurrence of such injury.

4.Accidental Death & Permanent Total Disablement – Common Carrier:

Payment of compensation if the accidental injury to the Insured Person results in loss of life or permanent total disablement while riding as a passenger including boarding or alighting from any common carrier.

5.Daily Allowance in case of Hospitalisation:

Bharti AXA will pay the Payment of daily allowance for the days the Insured is hospitalised beyond a specified number of days, as mentioned in the Policy Schedule.

6.Compassionate Visit:

Reimbursement of round trip and stay expenses of the immediate family member to visit the Insured if he/she is hospitalized for more than seven consecutive days. Reimbursement of return fare of the Insured to visit the native place in case of the immediate family member (spouse, dependent children or parents) being hospitalized for more than seven consecutive days in India or in the event of death.

7.Loss of Passport, travelers cheques, traveling tickets/documents:

Reimbursement of actual expenses incurred in connection with obtaining a duplicate or fresh passport or reasonable cost of replacing/obtaining the stolen documents/ tickets if the passport belonging to the Insured / Insured Person be lost.

8.Delay or Total Loss of checked-in baggage:

Payment of compensation for reasonable expenses incurred for the purchases of toiletries, clothing and medication due to a delay in checked-in baggage or payment towards total loss of checked baggage caused by a common carrier.

9.Trip Delay:

Reimbursement of additional expenses if trip is delayed beyond a period, due to airline problems, medical problems, personal employment problems or natural disasters.

10.Personal Liability:

Compensation for liability towards damages paid/payable to a third party, resulting from death, injury or damage to health or property caused involuntarily by the Insured.

11.Financial Emergency Assistance:

Arrangement for emergency cash to be made available to the Insured in case of loss of the travel funds due to theft, mugging, robbery and dacoity.

12.Hijack Distress Allowance:

Payment of distress allowance in case of hijack of a common carrier for more than certain number of hours whilst on the trip.

13.Home Fire & Insurance Contents:

Cover against any loss or damage of the Contents at Home of the Insured in India, caused by Fire and Allied perils or through burglary and/or housebreaking while the Insured is on a trip abroad.

Bharti AXA Travel Insurance Policy Claim Process

In case of claim or emergency assistance whilst abroad, please contact the international Toll Free Numbers given below:

For Canada – 844-691-8883

For USA – 844-691-8885

For Rest of the world excluding Canada & USA +91 11 47324403

Our Claims Service Representative will guide you on the process.

Bharti AXA Travel Insurance Policy Claim Process Document:

Download (PDF, 560KB)

Bharti AXA Travel Insurance Policy Inclusions and Exclusions

Bharti AXA Travel Insurance policy Inclusion

Bharti AXA Travel Insurance policy Exclusion

Emergency Medical Evacuation.
Personal Accident-death, Permanent total disability,permanent partial disability.
Additional benefit in the event of accidental death or permanent total disability whilst travelling in a common carrier
Reimbursement of actual expenses incurred towards loss of passport, travelers cheques, traveling tickets/documents
Compensation for loss or delay of checked-in baggage
Reimbursement of the expenses in the event of trip delay and cancellation
Covers loss or damage of the contents at home of the insured in India, caused by Fire, Allied perils, burglary while the insured is on a trip abroad

Any pre-existing condition except in case of life threatening situation.
Cosmetic surgery unless warranted because of an accident, routine medical examination
Injury sustained whilst participating in hazardous activities/sports
Claim arising out of terrorist activities
Loss of passport or documents whilst left unattended in public place or not reported to police within 24 hours
Any partial loss of items contained within the checked-in baggage

Bharti AXA Travel Insurance Policy FAQ

1.How do i benefit with travel insurance?

A.Overseas Travel insurance would protect you during the times of problems and stress when you are travelling in a foreign land. If there is cancellation of trip, interruption or delay due to illness, injury or bad weather or due to loss of baggage, passport, traveler’s cheques, traveling tickets, etc., there would be financial reimbursement offered to cover your financial risk. Medical expenses towards treatment in a local hospital would be provided. Financial emergency assistance would also be provided in case of loss of funds due to theft or any such event. Back home, your house and contents would be protected with a home insurance coverage against fire, allied perils and burglary.

2.How do i choose the best travel insurance?

A.While buying travel insurance online you have to select the plan that is right for you. Policy coverage, plan features and price can be the deciding factors for you. Read the policy wordings carefully to learn what is included and excluded in your policy. If you are a frequent traveler consider an annual policy that covers multi trips. Check for coverage including:

Medical coverage and evacuation
Personal accident
Loss of documents & baggage
Trip delay and cancellation
Financial emergency assistance
Loss of Deposit or cancellation for Hotel and Airline
Legal expenses

3.How can i buy the bharti axa travel insurance online?

A.You can buy Bharti AXA Travel Insurance online through a simple and easy process. Fill in your details to generate a quick quote, select your plan according to your needs and the premium that suits you, proceed to buy and pay online through net banking, credit and debit card. Your overseas travel insurance policy would be generated in minutes and a confirmation emailed to you on your registered email id. You will receive the policy document in the PDF format within few hours to one working day. Details such as your name, policy number, toll-free number to address your claims would be included in that.

4.If i purchase in online can i cancel the policy?

A.You have a period of 15 days from the date of receipt of the policy document to review the terms and conditions of the policy. If there are any objections to any of the terms and conditions, you can cancel the policy stating the reasons for cancellation. The premium paid will be refunded, after adjusting the amounts spent on stamp duty charges and proportionate risk premium.

5.Are children and senior citizens covered?

A.Children from the age group of 3 months are covered. Senior citizens are also covered, with maximum entry age restricted upto 85 years. For buying a policy covering people above 60 years of age kindly contact Bharti AXA General Insurance representative at 080- 49010200.

6.What is the minimum and maximum duration the insurance can be purchased?

A.The minimum duration is 2 days and the maximum duration varies for different plans but not exceeding 356 days.

Non-Schengen products – 2 days to 182 days (extendable up to 356 days)
Schengen products – 2 days to 182 days
Annual Multi trip plan – each trip duration shall not exceed 30/45/60 days as opted Policy