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:
Bharti AXA Travel Insurance Policy Inclusions and Exclusions
Bharti AXA Travel Insurance policy Inclusion |
Bharti AXA Travel Insurance policy Exclusion |
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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