Travelling does a lot more than just giving a much needed break from our mundane lives. It builds the most beautiful memories, and is also a very enriching and rejuvenating experience. But it is a universally known fact that, every good thing comes with a flipside! Travelling to new (sometimes unexplored) destinations, make you and your family vulnerable to many unforeseen circumstances and dangers. Imagine your vehicle breaking down in the middle of a road trip, missing your hotel booking due to a flight delay, having an accident or falling ill suddenly – nobody wants to go through these situations, especially during holiday. Be it students on budget trips, or senior citizens taking a holiday to unwind themselves; every vacation deserves to be stress-free and enjoyable.
Bajaj Allianz aims to make insurance transparent, honest and easy. The company offers products like travel insurance, motor insurance, health insurance and home insurance. The company provides a comprehensive travel insurance plan for you to enjoy a stress-free vacation. Now travel across the world without any worries.
Types of Travel Insurance plans offered by Bajaj Allianz:
- 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 Individual Travel Insurance:
As mentioned earlier, travelling alone in foreign lands can be risky. You can miss your hotel booking due to a sudden delay, or your flight due to a vehicle breakdown, have an accident or face medical emergencies like hospitalisation, lose valuables or important documents. To protect you from the inconvenience caused by these situations, Bajaj Allianz provides individual travel insurance.
- With the Travel Companion Plan you get a comprehensive insurance policy which covers you from every possible danger even during overseas travel. The package offers an all-encompassing medical and health cover to the policyholder, who needs to be an international traveller.
- Travel Elite Plan is available as an online travel insurance plan. It offers a wide range of innovative features and multiple lucrative benefits. The policyholder can choose from a broad range of policies to suit the best of their needs. In fact every policy has been customised to suit the varied individual need of Bajaj Allianz’s wide customer base. Whether you are a student, a corporate executive, a businessman, a senior citizen or someone traveling with your family; you are susceptible to dangers and risks that might crop up during your journey, and deserve to be protected from the same to enjoy a stress-free vacation. Choose the package that suits you the best to make the most of your holiday.
- Travel Prime Plan is ideal for every individual who travels abroad, more often than not, for leisure or for business. The plan covers the policyholder against medical eventualities, inclusive of hospitalisation, and any other incidental expenses.
Your family is extremely precious to you and Bajaj Allianz travel insurance understands that. Hence, the company offers family travel insurance plan which covers you and your family from any risk, or unfortunate situation that can cause an inconvenience at your home, and can ruin your family’s vacation when you are holidaying abroad with them. This travel insurance plan is a must-have for everyone who has loves his family as much as he/she loves to travel with them.
- The Travel Companion package and Travel Elite Plan is ideal for you if you holiday and travel abroad frequently, with your family. This package covers your whole family; you, your spouse (up to 60 years of age) and two of your children. Your children are covered under this policy only if they are aged below 21. Your family is eligible not just for medical eventualities abroad, but individual floater benefit is also provided to every family member covered under the policy.
- Travel Prime Plan provides every enthusiastic traveller a wide array of policies to choose from, according to the best of their needs. In fact the policies are customised with this purpose. Whether you are a student, a corporate executive, a businessman, a senior citizen or someone travelling with your family; you are susceptible to dangers and risks that might crop up during your journey, and deserve to be protected from the same to enjoy a stress-free vacation. Choose the package that suits you the best to make the most of your holiday.
Post-retirement is often termed as the golden period of one’s life, not for nothing. This is the time to unwind, relax, enjoy life and most importantly – travel! You obviously don’t want any last minute inconveniences or dangers to ruin a perfect vacation. Especially at an age where you just want to relax. This is exactly where this travel insurance plan comes in and protects every senior citizen from the threats and risks that can sully a perfectly enjoyable vacation.
- Travel Companion Plan covers you against dangers like loss of baggage, delay of baggage, personal accident, sudden illness leading to medical expenses, evacuation, trip delay, etc. It also extends emergency cash advance by providing the policyholder with cash in case of emergency while he/she is travelling.
- The plan also offers packages like Travel Elite 61-70 and Travel Elite 71-75. Packed with a host of lucrative benefits and innovative features, this insurance plan is a must-have for every wise man who loves to travel safely, holiday and his/her vacation. To attain more clarity on the same visit the nearest Bajaj Allianz branch.
With the advent of globalisation and education being accessible across the world, students travel and stay in many foreign countries to study. When staying so far away from home, it is only natural to have a strong support system to take care of these expatriate students. The student travel insurance plan covers the policyholder from various unforeseen and dangerous situations that can come up during their stay abroad.
- The Study Companion Plan has been especially designed for students who travel abroad for studies. It covers medical emergencies that a student might be facing while studying abroad. Depending on certain parameters like premium, sum insured and some other criteria, one can choose from the three available options offered under this student travel insurance plan - Standard, Silver and Gold.
- Student Elite Plan is a perfectly customised plan for students travelling abroad (for the purpose of studying). Not only does this plan takes care the health related needs of a student, but it also covers his/her travel abroad. There are three options to choose from - Standard, Silver and Gold.
- Travel Prime Plan is ideal for every student/individual who travels abroad for studying. The plan covers the policyholder against medical eventualities, inclusive of hospitalisation, and any other incidental expenses.
Features and Benefits of Bajaj Allianz Travel Insurance Policy:
Explore a wide array of innovative features and lucrative benefits with Bajaj Allianz Travel Insurance. They have been listed below –
- Covers the expenses resulting due to hospitalisation, loss of baggage and any other incidental expenses that might occur while you are on your trip.
- The claims are disbursed and settled quickly.
- Provides travel assistance with regards to all the relevant and crucial information about the location/travel destination.
- This plan provides emergency cash advance to the policyholders when they are in urgent need of cash, while travelling abroad.
- ‘Travel Elite’ package covers you against cancellation of trips, burglary at of your house, and trip curtailment due to any unforeseen circumstance.
- The company offers complete assistance via in-house toll free numbers.
- The plan offers innovative packages to particularly suit the varied needs of every individual customer.
- The company also offers other travel insurance products like Corporate Travel Insurance and Travel Asia. The Corporate Travel Insurance Plan is a comprehensive package which provides a complete health cover and medical cover to an international business traveller. In a similar vein the Travel Asia plan also provides comprehensive health and medical cover to international travellers.
Bajaj Allianz Travel Insurance Policy Exclusions:
The following conditions are excluded from senior citizen travel insurance cover –
- Experimental and unproven treatment.
- Attempt to kill oneself, self inflicted injury by the policyholder, mental disorder (stress, anxiety, depression, etc.), alcoholism, drug abuse.
- Post the policy expiration if any medical expenses are incurred.
- Any form of treatment/alternative form of medicine except allopathy.
- Any medical condition due to an ailment that the policyholder had been afflicted with from before start date of the policy.
- Loss or damage of passport. This needs to be under the circumstances of confiscation of the same by authorities like customs, police.
- Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
Bajaj Allainz Travel Insurance Claim Process:
You can file your insurance claim with Bajaj Allianz in few easy steps. As soon as you have a claim to file, do get in touch with the company. This can be either through telephone, email or personally going to a branch. Bajaj Allianz will help you with the entire claim process. Once you have duly filled up the claim settlement form, you have to provide all the necessary documents and also mention the type of claim or nature of damage/loss you have faced. For instance, if you are insured with Bajaj Allianz and are on a trip but fall ill suddenly and have to get admitted to the hospital. Once you are admitted and have informed the insurance company, their officials will directly get in touch with the hospital and get direct billing organised. Please note that in case of outpatient medical care, this billing process is case specific.
Bajaj Allianz Travel Insurance Policy FAQs:
- Q: Why do I need Travel Insurance from Bajaj Allianz?
A: Bajaj Allianz offers many comprehensive travel insurance policies which allow you to travel within the country and overseas, alone or with your loved ones, without any worries. It covers you from all possible dangers and inconveniences that have the potential to ruin your trip. Things may go wrong during travelling abroad even after impeccable planning, for some reasons that are beyond our control. Bajaj Allianz insurance cares for you, and protects you from all these dangers for you to enjoy a stress-free vacation, concentrate on enjoying a rejuvenating trip. The company offers plans and packages that cater to people from all walks of life - Travel Companion, Travel Elite and Student Travel. It is wise to choose a basic plan initially and add extended covers as per your requirements. The company allows you the freedom to customise your package from a range of available benefits.
- Q: How can Bajaj Allianz help me if I am in urgent need for cash abroad?
A: One of the very important features of Bajaj Allianz travel insurance policies is Emergency Cash Advance. This service offers assistance to the policyholders, by the dint of which the company extends emergency cash lending during unfortunate incidents like theft,burglary, loss of luggage, cash. The company also offers hold ups by coordinating with the policyholder's relatives (within India), and intimates them to give emergency cash assistance as per the insured’s requirement and level of emergency. The upper limit of this assistance is specified in the policy schedule. This is one of the most innovative and helpful features offered by Bajaj Allianz travel insurance.
- Q: I have bought Bajaj Allianz Family Travel Insurance policy. Do I get to enjoy any additional benefits?
A: The Family Travel Insurance policy offers an additional feature known as the Golfer’s Hole-in-one. This offer enables the policyholder to be reimbursed for any expenses incurred in celebrating hole-in-one. This is valid across the world (except India), at any golf course recognised by the United States Golfers’ Association. The Travel Companion and Travel Elite package offers this benefit.
- Q: How do I cancel my Bajaj Allianz Travel Insurance policy before the start date of the policy?
A: If you want to cancel your travel insurance policy before the start date of the policy, then you need to send an intimation via email to Bajaj Allianz travel insurance officials requesting for the cancellation of your policy. Do not forget to mention your policy number/ schedule number in the email. Please note that a cancellation charge of Rs. 250 will be charged for the same.
- Q: What kind of medical condition is excluded from the coverage policies of Bajaj Allianz travel insurance?
A: Bajaj Allianz travel insurance doesn’t cover the medical complications/conditions which pre-existed (in the policyholder) before the policy period started. Any ailment for which medical advice, treatment, medical care was received from a doctor/specialist, is also not covered under this policy.