Bajaj General Travel ACE Insurance

Below are brief descriptions of some of the ley coverages under the Travel Ace Plan.

Personal Accident
Personal Accident provides compensation in the event of defined Disability or Death caused solely by Accident. This section does not apply to trips within India

Permanent Total Disability
An individual is considered 'totally and permanently disabled', if the individual becomes completely disabled due to accidental bodily injury. If during the Policy Period, You sustain Accidental Bodily Injury which directly and independently of all other causes results in permanent total disability within twelve (12) months from the Date of Incident, then the Company agrees to pay the Sum Insured stated in the Policy Schedule.

Permanent Partial Disability
This benefit is paid to Insured who are not totally disabled but who have some type of lasting impairment.

Accidental Death & Disability- Common Carrier (AD&D)
This cover provides additional compensation in the event of Permanent Total Disability, Permanent Partial Disability or Death of Insured caused solely by Accidental Injury while travelling in Common Carrier. This section is not applicable for trips within India

Medical Contingencies
This benefit covers medical expenses:

• Medical Expenses- are any costs incurred in treatment of injury or disease.
• Medical Evacuation - provides for medically necessary evacuation to a medical facility in India
• Repatriation of Mortal Remains- provides for transportation necessary to return the deceased body/remains to his or her Place of Stay or to a nearby funeral or cremation facility.

Pre- Existing Illness And Injury Cover
On Payment of additional premium, indemnifying Pre-existing illness/injury and its related complications up to limit specified in Policy Schedule is available.

Waiver Of Sub-Limits
On Payment of additional premium this Policy shall provide a waiver of sub-limits for age above 50 years under “Sickness Medical Exigencies” and “Accidental Medical Exigencies”.

Sporting Activities Cover
Coverage is available in case You engage in any Sporting activity for training or participation in professional or semi-professional sports competitions outside of India provided this being declared beforehand in the proposal form and agreed by the Company subject to additional premium.

Emergency Dental Pain Relief
In this coverage one can claim for medical cost incurred for treatment of any covered dental treatment, subject to the expenses due to sudden acute pain to one or more teeth, first sustained or contracted whilst on Insured trip and requires immediate medical attention for getting relief from such pain.

Hospitalization Daily Allowance
Daily allowance is a per day compensation paid to the Insured in the event of hospitalization in the event of Accidental Injury or Sickness during your trip.

Compassionate Visit
This cover pays for the transportation expenses of one family member to meet the insured when they are hospitalised while travelling in the event of Accidental Injury or Sickness requiring hospitalization. Expenses include the actual cost of to and fro economy class cost of ticket for one of the family member or friend or relative of the insured member.

Compassionate Stay
This cover pays for the accommodation expenses of one family member, who travelled to take care of You when You are hospitalised while travelling following an Accidental Injury or Sickness requiring hospitalisation, We will reimburse You up to the Sum Insured, the actual cost of accommodation for one of the family member or friend or relative.

Return Of Minor Children
This cover pays travel expense incurred to return Your child/ children to India if you are hospitalized abroad following an Accidental Injury or Sickness requiring hospitalization. Expenses covered will include :

• the actual travel expenses excluding refund received on scheduled departure tickets to return Your minor child(or children) to India
• the actual to and fro travel expenses for a relative/ friend to accompany Your minor children to India or
• Services of escort to accompany Your minor child(or children) to India.

Replacement And Rearrangement Of Staff
This cover pays for transportation and accommodation expenses for replacing you with a substitute so as to carry forward Your work, if You are unable to carry out Your occupational duties for a period of more than 10 days as a result of following exigencies:

• Accidental Injury or Sickness requiring Your hospitalisation, or
• Accidental Injury or Sickness rendering You disable, or
• Death of a Spouse, child, brother, sister, parent, parent-in-law, or
• Compulsory quarantine at the foreign location, or
• Your presence being required by the police following burglary or jury service or witness call in India

Trip And Event Cancellation
This cover will compensate you for costs that have been paid or are payable and cannot be recovered if Your trip is completely cancelled for any of the covered reasons, resulting in financial losses arising out of following:

• cancellation of accommodation,
• cancellation of pre-booked events, tours, excursions and activities,
• International SIM card charges,
• Travel charges paid or contracted to be paid by You and are not recoverable from any source

Trip Interruption
This cover will compensate you for costs that have been paid or are payable and cannot be recovered in case You had to change travel plans for covered reasons, resulting in financial losses on account of :

• cancellation of accommodation,
• cancellation of events, tours, excursions and activities,
• Travel charges including early flight for difference in air fare.
• En-route emergency accommodation extension

Missed Connection
To compensate expenses related to missing of a connecting flight, the insurer shall pay a fixed amount as mentioned in Policy Schedule in case of your failure to board the connecting flight as per itinerary, any time during the Trip within the Policy Period, arising out the delayed arrival of the earlier flight caused by reasons beyond Your control.

Trip Extension
This cover will compensate you for accommodation and transportation in case Your trip is extended beyond original schedule due to the following listed reasons:

• Death or serious injury or sudden sickness of You or Your family or travelling companion requiring minimum two days of hospitalization or Day care procedure covered
• Inclement Weather conditions like Storm, Flood, Hurricanes, or Natural Disaster which is not publicly known before policy issuance date.
• Political disturbance, Travel prohibition declared by Government and or Airline Authorities which is not publicly known before policy issuance date.

Ticket Overbooking
Lump Sum amount is paid in case of ticket is overbooked (Bumping seats) by airlines upto the Sum Assured mentioned in the Policy Schedule, resulting in you being denied to board the scheduled flight.

Loss Of Checked-In Baggage
This cover will compensate if the airline loses your checked in bag, upto the Sum Insured in the Policy Schedule in respect of the complete and permanent loss of your Checked-In Baggage including contents therein.

Delay Of Checked-In Baggage
This cover will provide you a fixed benefit in case the airline delays Your checked-in Baggage beyond the minimum number of hours specified in the policy schedule.

Loss Of Personal Belonging
This cover will compensate for the replacement cost in case of theft, larceny, robbery or hold up at international airport and or anywhere outside India, of Your baggage during Your overseas trip. Covered devices include Mobile, Laptop, Ipad, I-Pod, E-Reader Camera etc. We shall indemnify You for replacing the item(s) with value of the insured items as new less allowance for betterment, wear and tear and depreciation as per scale of depreciation shown below or the value which can be realized from the market for such insured item immediately before occurrence of damage whichever is lower.
Age of the item Depreciation Percentage is as follows:

• Up to 180 days 15%
• 181 days to 1 year 25%
• 1 Year < 2 Years 40%
• 2 Year < 3 Years 50%
• 3 Year < 4 Years 60%
• 4 Year < 5 Years 70%
• Above 5 Years 75%

Personal Liability
The policy covers the costs incurred for which you are legally liable if You cause a loss or damage to property of third party incurred by you in your private capacity to pay damages for third party Civil Claims arising out of Accidental Bodily Injury or Accidental Property Damage occurring during an Insured Journey in the Policy Period.

Loss Of Passport/ Driving License
Necessary and reasonable cost of replacing your passport and or Driving License costs you incur in getting a replacement passport/Driving Licence/temporary permit (this would include travel costs to respective Government Office incurred to obtain for Passport/ Driving License) ).

Alternative Transport Expenses
We will pay Sum Insured stated in Policy Schedule for alternate accommodation and transport taken because of cancelled, delayed, shortened or diverted scheduled transport arrangement you had booked to travel to reach on time to any event or prepaid travel/tour arrangements.

Legal Expenses
This cover pays prosecution cost for claiming damages or compensation against third party. We shall indemnify you / your legal heir for prosecution cost incurred on claiming damages or compensation against third party responsible for Your death, illness or injury.

Pre Booked Meal Cover
In case of you not getting any Meal or receiving a different meal category from the one, which was Pre-booked on confirmed basis with the airlines, the Company will pay You the Sum Insured specified in the Schedule.

Weather Guarantee
In case of unavoidable cancellation of your day(s) itinerary in Your Insured trip overseas due to adverse and unpredicted weather conditions, which mandated You to stay in the Hotel for complete day due to a contingency like and not limited to

• public transport failing,
• roads being blocked off enroute

the Company will pay the Sum Insured specified in the Policy Schedule.

Golfer’s Hole-In-One
Subject to all other terms and conditions, it is hereby agreed that the insurer shall pay the Sum Insured shown in the Policy Schedule for celebration of achieving a hole-in-one in a United States Golfers’ Association (USGA) recognized golf course, anywhere in the world excluding India.

Bounced Hotel
In case of You not getting hotel stay booked on confirmed basis with the suppliers, We will reimburse You for the cost of, expenses relating to transportation to the alternative hotel, Cost of difference in booking alternate hotel stay or one level upgrade in case of non-availability of the equivalent accommodation type, up to the Sum Insured stated on the Policy Schedule.

Hijack Cover
If you are detained by hijackers following hijacking of any Aircraft in which you were travelling, We will pay the Sum Insured specified in the Policy Schedule. This need to confirmed and declared by government and or airlines authority.

Emergency Cash Assistance Service
This is only an assistance service provided when you require emergency cash flow following incidents like theft/burglary of luggage/money or hold up. The company’s Claims Administrator shall co-ordinate with your relatives in India to provide emergency cash to you or collect the amount & arrange for the transfers up to the limit specified in the Policy Schedule.