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Home » Blog » General Insurance » Bharti AXA Travel insurance policy

Bharti AXA Travel insurance policy

April 1, 2016 By policydunia

5 / 5 ( 2 votes )

Policy Highlights

  • 1 Bharti AXA Travel insurance policy
  • 2 Bharti AXA Individual Travel Insurance policy plan Introduction
  • 3 Bharti AXA travel insurance plan consists of three products for family and individuals they are
  • 4 Bharti AXA Travel Insurance Policy Eligibility and Conditions
  • 5 Eligibility Age for Bharti AXA Travel Insurance Policy:
  • 6 Conditions for Bharti AXA Travel Insurance Policy:
  • 7 1.Bharti AXA Travel Insurance Policy key features and benefits for Schengen products is:
  • 8 Individual/Family Travel Insurance Policy benefits for Schengen
  • 9 Individual/Family Travel Insurance Policy – Basic Cover – Benefits Comparison 
  • 10 3.Bharati AXA Travel Insurance Policy Annual Multi Trip products:
  • 11 Individual/Family Travel Insurance Policy-Annual Multi Trip Products
  • 12 Bharati AXA Travel Insurance Policy Cover
  • 13 1.Emergency Medical Expenses and Evacuation:
  • 14 2.Dental Care Expenses:
  • 15 3.Personal Accident:
  • 16 4.Accidental Death & Permanent Total Disablement – Common Carrier:
  • 17 5.Daily Allowance in case of Hospitalisation:
  • 18 6.Compassionate Visit:
  • 19 7.Loss of Passport, travelers cheques, traveling tickets/documents:
  • 20 8.Delay or Total Loss of checked-in baggage:
  • 21 9.Trip Delay:
  • 22 10.Personal Liability:
  • 23 11.Financial Emergency Assistance:
  • 24 12.Hijack Distress Allowance:
  • 25 13.Home Fire & Insurance Contents:
  • 26 Bharti AXA Travel Insurance Policy Claim Process
  • 27 Bharti AXA Travel Insurance Policy Claim Process Document:
  • 28 Bharti AXA Travel Insurance Policy Inclusions and Exclusions
  • 29 Bharti AXA Travel Insurance policy Inclusion
  • 30 Bharti AXA Travel Insurance policy Exclusion
  • 31 Bharti AXA Travel Insurance Policy FAQ
  • 32 About Bharti AXA Student Travel Policy

Bharti AXA Travel insurance policy

Bharti axa travel insurance policy image

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

types of bharti axa individual plan

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

About Bharti AXA Student Travel Policy

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