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Bajaj Allianz Travel Insurance Overview
Bajaj Allianz Travel Insurance plans are offered by Bajaj Allianz General Insurance Company Limited, which is a joint venture between Bajaj Finserv Limited and Allianz SE. The company has been a leader in the insurance market with world-class products, efficient service and after-sales support. The company has been offering various types of insurance plans both in the Life Insurance category and General Insurance category. When it comes to Travel Insurance, the company offers its customers a host of travel insurance plans whether it is for individuals, or the entire family. Bajaj Allianz Travel Insurance offer corporate travel insurance plans and senior citizen travel insurance plans with attractive features and benefits. Why to buy Bajaj Allianz Travel Insurance Plan? Travelling is something an individual undertakes to take a break from the daily monotonous lifestyle or for any pressing business need. In both the scenarios, getting the trip hampered due to some unforeseen and uncontrollable circumstance puts a sour taste in the mouth. Not only the travel itinerary is completely ruined but it also involves a considerable loss of finances, something which an average man cannot bear on his budget planning. As such, insuring oneself through travel insurance seems the best and prudent course of action. List of Bajaj Allianz Travel Insurance plans: The company offers a host of plans to individuals, their family, senior citizens and students. Let us take a look at the different plans available, their variants and their sub-variants. Bajaj Allianz Individual Travel Insurance Policy Bajaj Allianz Family Travel Insurance Policy Bajaj Allianz Senior Citizen Travel Insurance Policy Bajaj Allianz Student Travel Insurance Policy Bajaj Allianz Travel Insurance plans for individuals Travel insurance plans for individuals come in three different variants which are: Bajaj Allianz Travel Companion Plan: A plan with comprehensive coverage and attractive benefits which is further sub-divided into three categories travel care, travel security and travel value. Each sub-category offers almost the same coverage with the extent of the coverage differing in absolute terms. The coverage under the plan and its respective sub-categories include medical expenses, evacuation and repatriation, emergency dental pain relief, loss of checked baggage, delay of baggage, personal accident cover which is 50% of the Sum Assured if the insured is below 18 years of age, loss of passport, personal liability, hijack, trip delay and emergency cash advance including delivery charges. A unique Golfers Hole-in-one feature is available with Travel Secure and Travel Value plans which offer reimbursement of expenses that may be incurred in celebrating a hole-in-one by the insured during the period of his trip. The feature is available anywhere in the world, excluding India, in a United States Golfers Association recognized golf course. Bajaj Allianz Travel Elite Plan: A travel insurance variant available online which also provides a host of coverages and additional features to the customers. The plan is further sub-divided into three sub-variants of Silver, Gold and Platinum. Each sub-category offers almost the same coverage with the extent of the coverage differing in absolute terms. The coverage under the plan and its respective sub-categories include medical expenses, evacuation and repatriation, emergency dental pain relief, personal accident cover which is 50% of the Sum Assured if the insured is below 18 years of age, accidental death and disability cover in case of accidental death or disability while flying in a common carrier, loss of checked baggage, delay of baggage, personal liability, hijack, trip delay, emergency cash advance, trip cancellation, home burglary insurance cover, trip curtailment, hospitalization daily allowance and loss of passport. A unique Golfers Hole-in-one feature is available with all the sub-categories offering reimbursement of expenses that may be incurred in celebrating a hole-in-one by the insured during the period of his trip. The feature is available anywhere in the world, excluding India, in a United States Golfers Association recognized golf course. Moreover, an additional home insurance cover offers protection in case of house burglary when the insured is abroad undertaking the trip insured. Bajaj Allianz Travel Prime Plan: A specially customized plan which takes acre of the need of individuals during travel by providing a host of coverages including incidental expenses. The plan has a sub-division of five sub-variants of Silver, Gold, Platinum, Super Platinum and Maximum. The coverage in the sub-variants is same only with the absolute amounts differing in each sub-variant. The coverage provided by the plan includes medical expenses, evacuation and repatriation, emergency dental pain relief, personal accident cover, loss of checked baggage, accidental death and disability cover in case of accidental death or disability while flying in a common carrier, personal liability, hijack, trip curtailment, trip cancellation, loss of passport, hospitalization daily allowance, trip delay, delay of baggage, emergency cash benefit, missed connection, difference in airfare due to delayed or early return, bounced hotel, golfers one-in-hole and personal accident cover while in India. Bajaj Allianz Travel Insurance Plans for Family Travel: Bajaj Allianz offers three types of Travel insurance Plans for covering the family when they are traveling abroad. The plans and their coverages are as follows: Bajaj Allianz travel Companion Plan: A travel insurance plan covering the entire family consisting of self and spouse aged up to 60 years and 2 children aged up to 21 years on a floater basis. The coverage under the plan includes: Medical, expenses and evacuation up to 50, 000 USD Emergency Dental Pain relief of USD 500 Loss of baggage up to USD 250 Delay of baggage up to USD 100 Personal Accident up to USD 10, 000 which becomes USD 5000 if the insured is below 18 years of age Loss of passport for USD 150 Personal Liability of up to USD 2000 Bajaj AllianzTravel Elite Plan: An enhanced travel insurance plan covering the entire family consisting of self and spouse aged up to 60 years and 2 children aged up to 21 years on a floater basis. The coverage under the plan includes: Medical, expenses and evacuation up to 50, 000 USD Emergency Dental Pain relief of USD 500 Personal Accident up to USD 10, 000 which becomes USD 5000 if the insured is below 18 years of age Accidental death or disability suffered while flying with a common carrier up to USD 2500 Loss of baggage up to USD 250 Delay of baggage up to USD 100 Loss of passport for USD 250 Hijack cover of USD 50 per day up to a maximum of USD 300 Trip Delay at USD 20 per 12 hours to a maximum of USD 120 Personal Liability of up to USD 100, 000 Emergency Cash Advance of up to USD 500 Golfers Hole-in-one of USD 250 Trip Cancellation for USD 500 Home Burglary Insurance for Rs.1 lakh Trip Curtailment of USD 200 Hospitalization Daily Allowance of USD 25 per day to a maximum of USD 100 Bajaj Allianz travels Prime Plan: The most advanced plan with a host of additional coverages and three sub-variants for the entire family. The sub-categories and their coverages are similar with a difference in the amount of coverage. The list of coverages included under the plan are medical expenses, evacuation and repatriation, emergency dental pain relief, personal accident cover, loss of checked baggage, accidental death and disability cover in case of accidental death or disability while flying in a common carrier, personal liability, hijack, trip curtailment, trip cancellation, loss of passport, hospitalization daily allowance, trip delay, delay of baggage, emergency cash benefit, missed connection, golfers one-in-hole and home burglary insurance. Bajaj AllianzTravel Insurance Plans for Senior Citizens: There are specific plans offered by the company covering senior citizens in the age groups of 61-75 years. There are three variants of the Senior Citizen plans offered by the company and two of the variants also have sub-divisions. Let us take a look at the plan variants and the respective sub-variants of the senior citizen plans: Travel Companion Plan: a basic travel insurance plan which has the following coverages: Medical, expenses and evacuation up to 50, 000 USD maximum Emergency Dental Pain relief of USD 500 Loss of checked-in baggage up to USD 250 Delay of baggage up to USD 100 Personal Accident up to USD 25, 000 Loss of passport for USD 250 Personal Liability of up to USD 100, 000 Hijack cover of USD 50 per day up to a maximum of USD 300 Emergency Cash Advance of up to USD 500 Golfers Hole-in-one of USD 250 Bajaj Allianz travels Elite 61 – 70: A plan covering individuals aged 61 years to 70 years. The plan has three sub-divisions of Silver, Gold and Platinum. The coverage under the sub-divisions is same with a difference in the amount of coverage. The coverage includes are medical expenses, evacuation and repatriation, emergency dental pain relief, personal accident cover, accidental death and disability cover in case of accidental death or disability while flying in a common carrier, personal liability, loss of checked baggage, delay in baggage, emergency cash advance, golfers one-in-hole, age, hijack, trip delay, trip cancellation or curtailment, home burglary insurance and hospitalization daily allowance. Bajaj Allianz travels Elite 71-80: A plan covering individuals aged 71 years to 80 years. The plan has no sub-divisions and offers the following coverages: Medical, expenses and evacuation up to 50, 000 USD maximum Emergency Dental Pain relief of USD 500 Personal Accident up to USD 10, 000 Accidental death or disability suffered while flying with a common carrier up to USD 1500 Loss of baggage up to USD 500 Delay of baggage up to USD 100 Loss of passport for USD 250 Hijack cover of USD 50 per day up to a maximum of USD 300 Trip Delay at USD 20 per 12 hours to a maximum of USD 120 Personal Liability of up to USD 100, 000 Emergency Cash Advance of up to USD 500 Golfers Hole-in-one of USD 250 Trip Cancellation for USD 500 Home Burglary Insurance for Rs.1 lakh Trip Curtailment of USD 200 Hospitalization Daily Allowance of USD 25 per day to a maximum of USD 100 Bajaj Travel Insurance Plans for Students: Student Travel Insurance offered to students traveling abroad for higher studies is offered by the company under three variants each with another set of sub-variants. Let us take a look at the variants and the sub-variants of the plans on offer. Bajaj Allianz study Companion Plan : A simple travel insurance plan with basic coverage and three sub-variants of Standard, Silver and Gold plans. The variants have the same coverage with a difference in the amount of coverage granted. The list of coverages include medical expenses, evacuation and repatriation, emergency dental pain relief, tuition fee, personal accident cover which reduces to 50% in case of the insured being a minor, loss of checked baggage, accident to sponsor, family visit and personal liability. Bajaj Allianz Student Elite Plan: A customized travel insurance plan with 3 sub-divisions of Standard, Silver, and Gold with the same coverage options but different amounts. The list of coverages includes medical expenses, evacuation and repatriation, emergency dental pain relief, tuition fee, personal accident cover, accidental death and disability suffered while traveling in a common carrier, loss of checked baggage, bail bond insurance, accident to sponsor, family visit and personal liability. Bajaj Allianz travels Prime Plan: A customized travel insurance plan sub-divided into seven different categories of Standard, Silver, Gold, Platinum, Super Gold, Super Platinum, and Maximum. The list of coverages includes personal accident, medical expenses, evacuation and repatriation, emergency dental pain relief, loss of checked baggage, loss of passport, personal liability, accidental death and disability suffered while travelling in a common carrier, bail bond insurance, loss of laptop, accident to sponsor, family visit, tuition fees and suicide. Bajaj AllianzTravel Asia: A travel insurance plan designed for traveler traveling to the Asian region. There are two types of plans and two sub-divisions under each of the plans. Let us take a look at them: Bajaj Allianz travel Companion: A simple travel insurance plan with two sub-divisions of Asia Flair and Asia Supreme. The list of coverages is same under the sub-categories with a difference in the amount of coverage. The coverage includes, medical expenses, evacuation and repatriation, emergency dental pain relief, loss of checked baggage, delay of baggage, personal liability and hijack . Bajaj Allianz travels Elite: A plan with an enhanced amount of coverage with two sub-categories of Asia Flair and Asia Supreme. The list of coverages is same under the sub-categories with a difference in the amount of coverage. The coverage includes , medical expenses, evacuation and repatriation, emergency dental pain relief, loss of checked baggage, accidental death and disability suffered while travelling in a common carrier, delay of baggage, personal liability, hijack and emergency cash advance. Bajaj AllianzCorporate Travel Insurance: The company also offers travel insurance for corporate traveling abroad. Exclusions under Bajaj Allianz Travel Insurance Policies: There are certain factors that are excluded from the scope of coverage of travel insurance. The exclusions are as follows: A pre-existing medical condition present prior to availing the plan and any complication arising out of such condition for which care, treatment or advice was sought from a medical practitioner. Routine physical or other examination where there is no indication of impairment of common health Medical expenses occurring beyond the policy period Suicide, attempted suicide or willfully self-inflicted injury or illness, mental disorder, anxiety/stress/depression/nervousness, venereal disease, alcoholism, drunkenness or drug abuse Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), 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, hearing aids, crutches and all other external appliances and/or devices whether for diagnosis or treatment. Delay of baggage in India. Loss or damage to the insured’s passport due to 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 for which an official report has not been obtained. Loss due to the insured’s failure to take steps to guard against the loss of passport. How to Apply For Bajaj Allianz Travel Insurance Plans: Travel insurance plans offered by the company can be applied to through multiple channels like: Individuals desirous of availing any plan can simply call the Sales helpline of the company and speak to the customer service representative. They can provide their name, mobile number and email id on the website of the company and request for a call back Online two-wheeler insurance plans can be simply applied to by clicking the `Buy Online tab mentioned against the relevant plans
Bajaj Allianz Travel Insurance- FAQs
1. Why I should I buy Bajaj Allianz Travel Insurance? Travel insurance plans will help you to avoid extra expenses incurred due to any unfortunate events like a medical emergency, accident, terrorist attack, trip cancellation or delay. It also provides assistance when you are outside the country. 2. What are the modes of premium payment facilitated? Bajaj Allianz Travel Insurance offers 3 modes of premium payment, namely: Cash/cheque payment at a nearby branch, Online Payment, and ECS. For the online payment mode, the policyholder can pay via a Credit Card, Debit Card, or Net banking. 3. What is the policy renewal process for Bajaj Allianz Travel Insurance? Renew your policy online in the following 3 steps: Step 1: Login with your username and password on the e-Portal Step 2: Select the policy details and choose a payment mode: Debit/Credit Card or Net Banking Step 3: Print/Save the cyber receipt of the premium payment 4. What is the claim settlement procedure for Bajaj Allianz Travel Insurance? You can download the claim form online, fill it, and submit with the relevant documents at any of the branches in your city. Bajaj Allianz Travel Insurance takes 30 business days to settle a claim. 5. Does Bajaj Allianz Travel Insurance provide its services online? Yes, you can buy or renew Bajaj Allianz Travel insurance online. It offers all types of services online. For example, the customers can pay the premium online and much more. 6. How much coverage does a Bajaj Allianz Travel insurance policy provide? Bajaj Allianz travel insurance offers different kinds of coverage to protect you against all travel-related risks. Some common types of coverage that are offered under Bajaj Allianz travel insurance policy are trip cancellation or delay, loss of baggage or passport, and a medical emergency. 7. What is the Bajaj Allianz customer care number? Bajaj Allianz insurance provides 24×7 customers care assistance to its customers. 8. What are the types of Bajaj Allianz travel insurance? Bajaj Allianz provides four types of travel insurance plan, namely: Bajaj Allianz Individual Travel Insurance Policy Bajaj Allianz Family Travel Insurance Policy Bajaj Allianz Senior Citizen Travel Insurance Policy Bajaj Allianz Student Travel Insurance Policy 9. What are the exclusions under Bajaj Allianz travel insurance? Bajaj Allianz travel insurance does not cover medical expenses arising out of a war, addiction to intoxicants, attempt to suicide, practicing risk involving activity like tracking and bungee jumping, etc. 10. How to cancel Bajaj Allianz travel insurance policy? Bajaj Allianz travel insurance policy cancellation is very simple. All you need to do is send intimation via email to Bajaj Allianz insurance officials, requesting for cancellation of your policy. Make sure you mention some important details carefully in your mail. For example, policy number/ schedule number in the email. Policy cancellation is subject to a charge of Rs. 250. Bajaj Allianz Travel Insurance – Latest News Domestic Travel Insurance Policy by Bajaj Allianz Bajaj Allianz General Insurance Company has recently introduced a brand new travel insurance policy covering short as well as long tours within the country. These policies by Bajaj Allianz are aimed at providing affordable travel coverage and the premium is as low as Rs. 5 for a one-time domestic tour. The company is also looking forward to collaborate with various travel operators and cab aggregators across India, aiming at selling insurance from their online portals as well. The head of Health Insurance, Bajaj Allianz General Insurance Company (BAGIC), Abhijeet Ghosh said that since travel insurance is strictly associated with only flight travel, BAGIC has brought the same sense of security for people traveling within India. The coverage offered by the policy may range from a few hours to a year. As the basic coverage is for Personal Accident, one can opt for several add-on covers under this policy. The policy offers a sum assured of Rs. 50,000 to Rs. 10, 00,000. The premium ranging between Rs. 5 to Rs. 3,500 (subject to the policy tenure), including the sum assured, and add-on covers opted for. The policy will cover accidental injuries arising out of adventure sports if done under expert supervision. Micro-Insurance Business Of Bajaj Allianz Life Expected To Grow Bajaj Allianz Selects Remedinet Technologies to Offer Speedy Cashless Insurance Settlement Health Care Supreme by Bajaj Allianz Insurance Surgical Protection Plan got Recently Introduced by Bajaj Allianz General