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  • Bharti AXA Family Travel Insurance

    Bharti AXA Travel Insurance

    Overview of Bharti AXA Family Travel Insurance

    On an ominous start – hundreds of airlines have collapsed in the last decade, crashing several journey plans for thousands and leaving a huge monetary liability on others back home. If you are planning a family trip or vacation abroad, please do not ever contemplate traversing away from your home town without sufficient travel insurance. Falling sick and requiring medical attention, having to cancel the entire travel plans, losing essential documents and monetary emergency are some of the common mishaps that can topple your apple cart straight into a nightmarish situation. With Bharti AXA Family Travel Insurance, you may make sure that you get the idyllic cover for all your requirements to handle A to Z exigencies while traversing overseas.

    Types of Travel Insurance offered by Bharti AXA

    So as to suit the various sections of international travel indemnification requirements, we have customized three types of élite travel insurance variations for online purchase for persons and families off on global trips.

    • Smart Traveller Basic
    • Smart Traveller Regular
    • Smart Traveller Essential
    • Smart Traveller Silver
    • Smart Traveller Gold

    Comparing Key Features & Benefits of Bharti AXA Family Travel Insurance

    Section Benefits in Detail Smart Traveller - Basic Smart Traveller - Regular Smart Traveller - Essential Smart Traveller - Silver Smart Traveller - Gold Deductibles
    I Medical & Hospital Expenditures USD 50000 USD 1 lac USD 2 lac USD 3 lac USD 5 lac USD 50
    II Dental Cure Costs USD 500 USD 500 USD 500 USD 500 USD 1000 USD 50
    III Personal Accident USD 15000 USD 20000 USD 25000 USD 30000 USD 40000 Nil
    IV Accidental Demise & Disability USD 2500 USD 2500 USD 2500 USD 5000 USD 5000 Nil
    V Hospitalization Allowance No Cover USD 25 a day for up to a week USD 25 a day for up to a week USD 50 a day for up to a week USD 50 a day for up to 10 days Initial 2 days
    VI Compassionate Visit Round trip and accommodation costs for your close family member to visit, if you are hospitalized for more than a week. Refund of travel expenses in case the insured has to go to the home town to visit close family in the event of demise or hospitalization. Nil
    VII Loss of important documents (like passport) and certificates USD 350 USD 350 USD 350 USD 350 USD 350 25
    VIII If checked luggage is lost US 500 US$ 1000 US$ 1250 US$ 1250 US$ 2000 Nil
    IX Delay in getting the checked luggage USD 100 USD 100 USD 100 USD 125 USD 150 6 hrs
    X Delay in the trip USD 50 USD 50 USD 50 USD 50 USD 75 6 hrs
    XI If the trip is cancelled or interrupted No Cover USD 500 USD 500 USD 500 USD 1000 Nil
    XII Missed Connection No Cover USD 250 USD 300 USD 350 USD 750 Nil
    XIII Individual Accountability USD 50000 USD 1 lac USD 2 lacs USD 2.5 lacs USD 3 lacs Nil
    XIV Emergency financial help No Cover No Cover USD 300 USD 350 USD 750 Nil
    XV Allowance in the event or aftermath of a Hijack USD 75 USD 75 USD 75 USD 100 USD 200 12 hrs
    XVI Home Fire Cover – Contents (in INR) No Cover INR 2 lacs INR 2 lacs INR 3 lacs INR 5 lacs Nil
    XVII House Break-in Cover – Contents No Cover INR 2 lacs INR 2 lacs INR 3 lacs INR 5 lacs Nil
    XVIII Losing deposit or cancellation of flight or hotel room No Cover No Cover USD 250 USD 500 USD 1000 Nil
    XIX Overbooked air ticket Zero Cover Zero Cover USD 250 USD 500 USD 1000 Nil
    XX Bail Bond Zero Cover Zero Cover USD 2500 USD 2500 USD 5000 Nil
    XXI Legal costs Zero Cover Zero Cover USD 100 USD 200 USD 400 Nil
    XXII Accountability and Caring for your pet Zero Cover Zero Cover USD 100 USD 200 USD 400 Nil
    XXIII Emergency housing Zero Cover Zero Cover USD 250 USD 500 USD 1000 Nil

    Comparing Key Features & Benefits of Bharti AXA Family Travel Insurance (To Schengen Countries)

    Section Details on Coverage Types Smart Traveller - Schengen Silver Smart Traveller - Schengen Gold Smart Traveller - Schengen Platinum Deductibles
    I Medical & Hospital Expenditures 30,000 Euros 50,000 Euros 1 lakh Euro 50 Euros
    II Dental Cure Costs 500 Euros 500 Euros 500 Euros 50 Euros
    III Personal Accident 10,000 Euros Euros 15,000 20,000 Euros Nil
    IV Accidental Demise & Disability 2500 Euros Euros 2500 2500 Euros Nil
    V Daily Allowance in case of Hospitalization No Cover 25 Euros a day for up to a week 25 Euros a day for up to a week Initial two days
    VI Compassionate Visit Round trip and accommodation costs for your close family member to visit, if you are hospitalized for more than a week. Refund of travel expenses in case the insured has to go to the home town to visit close family in the event of demise or hospitalization. Nil
    VII Loss of important documents (like passport) and certificates 350 Euros 350 Euros 350 Euros 25 Euros
    VIII If checked luggage is lost 500 Euros 500 Euros 1000 Euros Nil
    IX Delay in getting the checked luggage 100 Euros 100 Euros 100 Euros 6 hrs
    X Delay in the trip Zero Cover 50 Euros 50 Euros 6 hrs
    XI If the trip is cancelled or interrupted Zero Cover 500 Euros 500 Euros Nil
    XII Missed Connection Zero Cover 250 Euros 250 Euros Nil
    XIII Individual Accountability 50,000 Euros 1 lakh Euros 1 lakh Euros Nil
    XIV Allowance in the event or aftermath of a Hijack Zero Cover 75 Euros 75 Euros 12 hrs
    XV Home Fire Cover – Contents (in INR) Zero Cover Zero Cover INR 1 lac Nil
    XVI House Break-in Cover – Contents Zero Cover Zero Cover INR 1 lac Nil

    Bharti AXA Family Travel Insurance Inclusions & Exclusions

    Inclusions Exclusions
    • Medical Expenditures including deportation and emergency medical migration.
    • Personal Accident - Demise, Incapacitation (Permanent or partial or temporary).
    • Added benefit in the unfortunate event of accidental demise or permanent or complete infirmity whilst touring in a common carrier.
    • Refund of real costs sustained due to loss of passport, cheques, tickets and/ or other important documents.
    • Reimbursement for harm or interruption of arrival of checked-in luggage.
    • Refund of the costs if the trip is delayed or cancelled.
    • Insures harm or loss to your properties at home of the insured in India (due to fire, theft, break-in etc.)
    • Any pre-existing illness unless it is a life threatening one.
    • Cosmetic surgery unless necessary owing to a mishap or a regular medical exam.
    • Wound sustained whilst taking part in perilous activities or adventure sports.
    • Claim due to damage or loss arising from terrorist activities
    • Losing of passport or documents if you have left them unattended in public place. And it the loss is not reported to cops within a day.
    • Any minor or major loss of items within the checked-in luggage

    Claim Procedure

    Medical and Emergency Services are handled by Bharti AXA’s reputed service provider, AXA Assistance India, headquartered in New Delhi.

    In the event of claim or emergency medical or monetary assistance when you are overseas, you may quickly get in touch with the company’s worldwide associates by dialing the international Toll Free Numbers given below:

    For Canada - 844-691-8883

    For USA - 844-691-8885

    For other countries - +91 11 47324403

    A Claims Service Staff will take you through the procedure and assist you in downloading and filling the claim form, attach required documents and send it at the earliest by post, email or fax.

    Bharti AXA Customer Care Email ID - [email protected]

    FAQs

    1. How do I purchase a Bharti AXA Family Travel Insurance online?

      You may get a Bharti AXA Travel Insurance online via a hassle-free and quick process. Go to the official website and enter your information in the given columns. This will give you a tentative but quick quote. You can pick a plan as per your requirements and an affordable premium. After that, please continue to the payment gate. You can pay through internet banking or smart phone banking using your credit card or debit card.

      Your international travel insurance scheme could be produced in a matter of seconds and a verification email will be sent to you on your given email id. You will get the insurance policy papers in the PDF format on the same day or the next day at max. It will include info like your name, policy details, policy number and customer care details in case of claim or other grievances.

    2. If I buy my travel insurance policy online, can I cancel the plan when I want?

      You have a tenure of 15 days from the day of receiving your Bharti AXA Family Insurance policy paper to read through the terms and conditions and see if everything is in order. If any need for further clarifications arise, you are free to annul the policy mentioning the reasons for the same. The premium if paid will be reimbursed, after deducting the sum spent on stamp duty fees and proportional risk premium.

    3. Can my children and/ or senior citizens in the family be covered under the same?

      Minors starting from the age group of 3 months are usually insured. Those above age 60 are also indemnified but you cannot enroll them if they are past age 85. If you want to buy a policy for senior citizens exclusively too, you may contact the firm at 080- 49010200.

    4. Is there any duration limit for purchasing Bharti AXA Family Travel Insurance?

      The least tenure available for any kind of travel insurance including this one is two days. There is no maximum duration as such because it depends on the plan and the kind of vacation you are planning to take. But ideally, it should not exceed 356 days.

      Bharti AXA’s Non-Schengen travel insurance products - 2 days to 182 days (can be extended up to 356 days)

      Schengen insurance products - 2 days to 182 days

      Yearly multi trip plan – Here you can enjoy multiple trips, but each trip period should not take more than 30, 45 or 60 days as specified by the policy you opted.

    5. Could you tell me the procedure of receiving cashless facility?

      This is where an Emergency Service Provider or a Third Party Administrator plays a role. They specialize in servicing your claim and handle many other things including cashless feature for treatments that require hospitalization. For any kind of assistance you can call the following numbers at any time depending on where you are travelling.

      For Canada - 844-691-8883

      For United States - 844-691-8885

      For other countries - +91 11 47324403

    6. How do I renew my family travel insurance policy?

      Your travel insurance policy renewal has never been easier and quicker. But it can be done only in regard to Annual Multi Trip schemes. For this, please get in touch with your nearest Bharti AXA branch in person or dial 080- 49010200. Remember that the policy tenure can be extended only for Non-Schengen Insurance Products and this too can be done by contacting the given number.

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