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  • Bharti AXA Travel Insurance

    Bharti AXA Travel Insurance
    Overview:

    If you ask anyone what they are looking forward to, there is a good chance that their response will be to take a break from the monotony of life and escape to a relaxing destination. A beach resort perhaps, somewhere they can unwind and forget about the problems we carry every day. A holiday should be just that, ‘relaxing’, and you can make sure that it is by getting a comprehensive travel insurance. A choice that you can make by closing your eyes and picking is BHARTI AXA Travel Insurance. BHARTI AXA Travel Insurance offers a comprehensive cover that will take care of all your needs. Everything from lost baggage, missed flights and other such issues commonly faced while travelling can be dealt with much better when you have the support of a great travel insurance like BHARTI AXA Travel Insurance.

    Features and Benefits of BHARTI AXA Travel Insurance:

    For those travelling abroad, BHARTI AXA Travel Insurance has tailored three different kinds of insurance; Pre- Underwritten products, Schengen Travel Insurance and Annual Travel Insurance. Following are some of the features and benefits of each type of insurance:

    1. Pre- Underwritten products
    2. Schengen Travel Insurance Policy
    3. Annual Travel Insurance Policy
    1. Pre- Underwritten products:

    With this product, you can travel for a minimum of two days. The policy is extendable up to a maximum of 356 days. There are five variants under this policy: SmartTraveller Silver, SmartTraveller Regular, SmartTraveller Gold, SmartTraveller Essential and SmartTraveller Basic.

    Following are the rates of each of the plans:

    Pre- Underwritten products:
    Particulars of Benefit Smart Traveller - Basic Smart Traveller - Regular Smart Traveller - Essential Smart Traveller - Silver Smart Traveller - Gold Deductibles
    Section Particulars of Benefit Smart Traveller - Basic Smart Traveller - Regular Smart Traveller - Essential Smart Traveller - Silver Smart Traveller - Gold
    Medical Expenses (inclusive of Emergency medical evacuation and transport of mortal remains of insured) US$ 50000 US$ 100000 US$ 200000 US$ 300000 US$ 500000 US$ 50
    Expenses related to Dental Treatment US$ 500 US$ 500 US$ 500 US$ 500 US$ 1000 US$ 50
    Loss of Travel documents US$ 350 US$ 350 US$ 350 US$ 350 US$ 350 25
    Death or Dismemberment while travelling in a Common Carrier US$ 2500 US$ 2500 US$ 2500 US$ 5000 US$ 5000 Nil
    Personal Accident US$ 15000 US$ 20000 US$ 25000 US$ 30000 US$ 40000 Nil
    Allowance per day in the event of being hospitalized No Cover US$ 25 per day for 7 days US$ 25 per day for 7 days US$50 per day for 7 days US$50 per day for 10 days First 2 days
    In the event of checked baggage being delayed US$ 100 US$ 100 US$ 100 US$ 125 US$ 150 6 hours
    Loss of checked baggage* US$ 500 US$ 1000 US$ 1250 US$ 1250 US$ 2000 Nil
    Delayed Trip US$ 50 US$ 50 US$ 50 US$ 50 US$ 75 6 hours
    Connecting flight missed No Cover US$ 250 US$ 300 US$ 350 US$ 750 Nil
    Cancellation and Interruption of trip No Cover US$ 500 US$ 500 US$ 500 US$ 1000 Nil
    Personal Liability US$ 50000 US$ 100000 US$ 200000 US$ 250000 US$ 300000 Nil
    Allowance of Hijack Distress US$ 75 US$ 75 US$ 75 US$ 100 US$ 200 12 hours
    Emergency Financial Assistance No Cover No Cover US$ 300 US$ 350 US$ 750 Nil
    In the event of Home Burglary: compensation of contents (in INR) No Cover Rs.200,000.00 Rs.200,000.00 Rs.300,000.00 Rs.500,000.00 Nil
    Home Fire Insurance – Contents (in INR) No Cover Rs.200,000.00 Rs.200,000.00 Rs.300,000.00 Rs.500,000.00 Nil
    Overbooked Flight No Cover No Cover US$ 250 US$ 500 US$ 1000 Nil
    cancellation or loss of deposit in Hotel or Airline No Cover No Cover US$ 250 US$ 500 US$ 1000 Nil
    Legal expenses No Cover No Cover US$ 100 US$ 200 US$ 400 Nil
    Bail Bond No Cover No Cover US$ 2500 US$ 2500 US$ 5000 Nil
    Emergency accommodation No Cover No Cover US$ 250 US$ 500 US$ 1000 Nil
    Pet Care No Cover No Cover US$ 100 US$ 200 US$ 400 Nil
    Compassionate Visit In the event that the insured is hospitalized for more than 7 days consecutively, the company will pay for the expense of round trip and stay of the immediate family member to visit. In the event of death of spouse, parents or dependent children, the company will pay for the travel back home. Nil

    *per baggage maximum 50% and per item in baggage max 10%

    2. Schengen Travel Insurance:

    With this policy, you can travel for a minimum of 2 days per trip. It can be extended up to 356 days. The scheme is divided into three plans of varying rates: SmartTraveller Schengen Gold, SmartTraveller Schengen Platinum and SmartTraveller Schengen Silver. This policy is applicable to people travelling to Schengen countries. Following are the detailed rates of each plans’ covers:

    Schengen Travel Insurance
    Coverage Smart Traveller - Schengen Silver Smart Traveller - Schengen Platinum Smart Traveller - Schengen Gold Deductibles
    Expenses related to Dental Treatment € 500 € 500 € 500 € 50
    In the event of checked baggage being delayed € 100 € 100 € 100 6 hrs
    Personal Accident € 10,000 € 20,000 € 15,000 Nil
    Allowance per day in the event of being hospitalized No Cover € 25 per day for 7 days € 25 per day for 7 days First 2days
    Death or Dismemberment while travelling in a Common Carrier € 2,500 € 2,500 € 2,500 Nil
    Total loss of checked baggage € 500 € 1000 € 500 Nil
    Loss of travel documents € 350 € 350 € 350 € 25
    Connecting flight missed No Cover € 250 € 250 Nil
    Medical Expenses (inclusive of Emergency medical evacuation and transport of mortal remains of insured) € 30,000 € 100,000 € 50,000 € 50
    Trip Delay No Cover € 50 € 50 6 hrs
    Hijack Distress Allowance No Cover € 75 € 75 12 hours
    Home Fire Insurance No Cover Rs.100,000.00 No Cover Nil
    Personal Liability € 50,000 € 100,000 € 100,000 Nil
    Trip Cancellation and Interruption No Cover € 500 € 500 Nil
    Home Burglary Insurance – Contents (in INR) No Cover Rs.100,000.00 No Cover Nil
    Compassionate Visit In the event that the insured is hospitalized for more than 7 days consecutively, the company will pay for the expense of round trip and stay of the immediate family member to visit. In the event of death of spouse, parents or dependent children, the company will pay for the travel back home. Nil.
    3. Annual Travel Insurance:

    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. The scheme is divided into three plans of varying rates. Plans available are SmartTraveller Multi-trip Silver, SmartTraveller Multi-trip Gold and SmartTraveller Multi-trip Platinum:

    Annual Travel Insurance
    Particulars of Benefit Smart Traveller -Multi trip Silver Smart Traveller -Multi trip Gold Smart Traveller -Multi trip Platinum Deductible
    Medical Expenses (incl. repatriation & Emergency Medical Evacuation) US$ 100000 US$ 250000 US$ 500000 US$ 50
    Overbooked Flight No Cover US$ 250 US$ 1000 Nil
    Expenses related to Dental Treatment US$ 500 US$ 500 US$ 1000 US$ 50
    Legal expenses No Cover US$ 100 US$ 400 Nil
    Death or Dismemberment while travelling in a Common Carrier US$ 2500 US$ 2500 US$ 5000 Nil
    Home Burglary Insurance – Contents (in INR) Rs.100,000.00 Rs.200,000.00 Rs.500,000.00 Nil
    Loss of Passport and documents US$ 350 US$ 350 US$ 350 US$ 25
    Hijack Distress Allowance US$ 75 US$ 75 US$ 200 12 hours
    In the event of checked baggage being delayed US$ 100 US$ 100 US$ 150 6 hours
    Missed Connection US$ 250 US$ 300 US$ 750 Nil
    Trip Cancellation and Interruption US$ 500 US$ 500 US$ 1000 Nil
    Emergency accommodation No Cover US$ 250 US$ 1000 Nil
    Personal Liability US$ 100000 US$ 200000 US$ 300000 Nil
    Trip Delay US$ 50 US$ 50 US$ 75 6 hours
    Home Fire Insurance – Contents (in INR) Rs.100,000.00 Rs.200,000.00 Rs.500,000.00 Nil
    Total loss of checked baggage US$ 1000 US$ 1250 US$ 2000 Nil
    Loss of Deposit or cancellation - Hotel and Airline No Cover US$ 250 US$ 1000 Nil
    Personal Accident US$ 20000 US$ 25000 US$ 40000 Nil
    Bail Bond No Cover US$ 2500 US$ 5000 Nil
    Allowance per day in the event of being hospitalized US$ 25 per day for 7 days US$ 25 per day for 7 days US$ 50 per day for 10 days 2 days
    Pet Care No Cover US$ 100 US$ 400 Nil
    Compassionate Visit In the event that the insured is hospitalized for more than 7 days consecutively, the company will pay for the expense of round trip and stay of the immediate family member to visit. In the event of death of spouse, parents or dependent children, the company will pay for the travel back home. Nil

    BHARTI AXA Travel Insurance Policy Eligibility:

    Anyone can opt to purchase the BHARTI AXA Travel Insurance scheme that best suits them according to how much cover they want, what their destination is and how long the trip is going to be for. As long as members are between 3 months and 60 years, you will be covered. Family Floater can include spouse and two dependent children who are below 23 years old.

    BHARTI AXA Travel Insurance Policy Covers:

    1. Medical Expenses which includes Emergency Medical Evacuation and in the event of the death of an insured while travelling, the mortal remains will be transported back home.
    2. Personal Accident – This covers everything from the death of the insured to Permanent Disability (partial or total)
    3. The insured will get additional benefit in the event of permanent total disability or accidental death while the insured is travelling in a common carrier
    4. You will be reimbursed of any expenses that you incurred due to loss of travelers cheques or travelling documents including passport.
    5. You will be compensated for in the event of delay/loss of checked-in baggage
    6. You will be reimbursed of any expenses in the event of your trip being delayed/cancelled.
    7. This cover will take care of expenses occurred due to your home or contents in your home in India being damaged which has been caused by fire, burglary etc. while you were travelling.

    BHARTI AXA Travel Insurance Exclusions:

    • Cosmetic surgery is not covered in this policy unless it has been warranted due to an accident, or for a routine medical examination
    • Pre-existing conditions are not covered (except in the case of life threatening situations)
    • This policy does not cover injuries which have been sustained whilst the insured was participating in perilous activities such as bungee jumping. The company will take the call on this.
    • This policy does not cover claims caused by terrorist activities
    • If you do not report loss of travel documents (including passport) to the local authories withing 24 hours of it going missing, the company will not provde cover. Similarly, if it was left unattended in a public place also, you will not get cover.
    • You will not get cover for partial loss of items that were inside checked-in luggage.

    BHARTI AXA Travel Insurance Claim Process:

    While you are travelling abroad, if you need to make a claim or are in need of some assistance, you can call on the international Toll Free Numbers.

    Once you make the call, you will be guided through the process of claiming your insurance by a Claims Service Representative. The representative will help you in the process of availing cashless facility if you happen to be hospitalized. If you look on the official website of BHARTI AXA, you will find a link to download the claim form. You may fill this out and send it with the supporting documents either by email, mail or by fax.

    BHARTI AXA Travel Insurance Policy FAQs:

    1. How do I reach Bharti AXA General Insurance to get more information about their products?

      A: You can reach Bharti AXA General Insurance by calling the toll free number for service that is available 24/7. You can also visit the official website and write to the company for any kind of assistance.

    2. Is it possible to cover children and senior citizens with this insurance?

      A: Anyone from the age of 3 months to 85 years can be covered. However for individuals who are over 60 years need to contact a representative at Bharti AXA General Insurance by calling their contact number.

    3. The period of the policy can be extended?

      A: The period of policy can be extended for Non-Schengen Products only. If you would like to do so, you can contact a Bharti AXA representative for the extension to be granted.

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