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Bajaj Allianz Travel Ace Insurance

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Bajaj Allianz Travel Insurance

Bajaj Allianz Travel Insurance review

 
Sum Insured

USD 50,000 to 1,000,000

 
Claims settlement ratio **

80.2%

 
Incurred claims ratio

70%

 
Number of policies issued *

5,24,552

 
Number of lives covered *

5,24,552

  
Brochure

Brochure

  
Policy Wordings

Policy Wordings

* As per IRDAI report for   |   ** As per NL25 data published on the Insurance Company website

Bajaj Allianz Travel Ace Insurance Plan

Travel Ace is our Modular overseas travel insurance plan. Plan covers all medical eventualities including hospitalization and other incidental expenses at a fraction of the amount that would be otherwise needed, then allows you to select options to suit your specific travel insurance needs.

Choose from any of these below plans

  • Travel Ace Standard - USD 50,000
  • Travel Ace Silver - USD 1,00,000
  • Travel Ace Gold - USD 200,000
  • Travel Ace Platinum - USD 500,000
  • Travel Ace Super Age - USD 50,000
  • Travel Ace Corporate Lite - USD 250,000
  • Travel Ace Corporate Plus - USD 500,000

Travel Ace Plan from Bajaj Allianz

What are the USPs of the Travel Ace Plan from Bajaj Allianz? The USPs of the plan include:
  • Completely modular product with 42 optional cover and 5 extensions
  • No restriction on age for Individual, Student, Annual Multi-trip plans
  • Medical Sum Insured for Accident & Sickness upto $2 million ($2,000,000)
  • Pre- Existing Illness and Injury Cover
  • Separate Sum insured for Accidental and Sickness Medical expenses
  • No sublimit for any Geographical area worldwide
  • Hospitalization Cover beyond expiry of policy upto 75 days without additional premium
  • Any reason Trip Cancellation
  • Sporting Injury Cover- Professional or Semi-professional sports
  • No Pre policy medical health check up for travellers of any age
  • Delay of checked Baggage while return back to home
  • Weather Guarantee coverage
  • Discount for Companion travellers
  • Special coves:
    • Trip Extension
    • Child Education Benefit
    • Lifestyle Modification
    • Ticket Overbooking
    • Extended Pet Stay
    • Loss Of Passport and Driving Licence
    • Pre Booked meal cover

Descriptions of the Coverages:

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.

Claims Process for Travel Ace Plan

Cashless Claims Process:
  • You can file cashless claims for medical expenses exceeding USD 500 and reimbursement claims for the same under USD 500.
  • AYou can submit all the relevant documents on our platform and initiate the verification process
  • APost successful verification, the hospital and you will receive a payment guarantee notification.
Reimbursement Claims Process:
  • You can close the entire claim cycle within 10 days with a comprehensive and accurate documentation process.
  • AAggregate all the relevant documents and upload them to BAGIC HAT.
  • APost verification, our team will process your payment within 10 days of approval. You will receive it in your registered bank account via NEFT.
  • AOur team will request any necessary but missing documents and provide you with a 45-day window to provide them. You will also receive a reminder every 15 days during this period. If you fail to furnish the necessary documents in this period, your claim request will be closed.

Claim Documents to be Submitted:

Medical Emergency Luggage Delay / Luggage Loss Trip Cancellation/Missed Connection Lost Passport Accidental Death
Policy Agreement Claim Form Claim Form Photocopy of the Old and New Passport Claim Form
Diagnosis Reports Luggage Tag Copies Airlines’ Confirmation Detailing the Scheduled Arrival and Departure Original Invoices for Expenses Incurred Towards the New Passport Photocopy of Coroner’s Report, FIR, and Post-Mortem Report
Proof of Location for the Incident Airline Authorities’ Letter Affirming the Delay Airlines’ Letter Confirming the Delay Photocopy of the FIR/Police Report  
Attending Physician’s Statement Purchase Invoices from the Delay Period Statement Detailing the Reason and Proof for the Delay Claim Form  
Claim Form   Original Tickets, Invoices Towards Expenses Occurred Due to Cancellation, and Proof of Cancellation Charges Levied    

What are the benefits under Travel Ace Insurance Policy?

Section Coverage | Plan Standard USD 50,000 Silver USD 1Lakhs Gold USD 2Lakhs Platinum USD 5Lakhs Super Age USD 50,000 Corporate Lite USD 2.5Lakhs Corporate Plus USD 5Lakhs Deductible
Age 0-70 yrs 0-70 yrs 0-70 yrs 0-70 yrs 70 + 0-120 yrs 0-70 yrs
Section 1 Personal Accident (International) 10000 12000 15000 25000 10000 10000 10000
Extn. 1 for Section 1 Lifestyle Modification Benefit 3000 5000 6000 10000 NA Optional Optional
Extn. 2 for Section 1 Child Education Benefit 2000 3000 4000 8000 NA Optional Optional
Section 2 Accidental Death & Disability- Common Carrier (AD&D) 5000 6000 7000 10000 2000 5000 6000
Section 3 Personal Accident Cover in India (INR) 100000 200000 500000 1000000 100000 100000 200000
Section 5 Sickness Medical Exigencies 50000 100000 200000 500000 50000 250000 500000 USD100
Extn. 3 for Section 5 Pre- Existing Illness Cover NA NA NA 5000 NA NA NA USD100
Section 6 Accidental Medical Exigencies 50000 100000 200000 500000 50000 250000 500000 USD100
Section 7 Emergency Dental Pain Relief 500 500 500 500 500 500 500 USD 25
Section 8 Hospitalization Daily Allowance 50/7 days 50/7 days 75/7 days 100/7 days 50/7 days 50/7 days 50/7 days
Section 13 Trip and Event Cancellation 1000 1500 2000 5000 1000 1000 2000
Section 14 Trip Interruption 500 750 1000 2000 500 500 750
Section 18 Loss of Checked-in Baggage 500 500 750 1000 500 500 750
Section 19 Delay of Checked-in Baggage
Geography - Abroad 100/10 hrs 100/10 hrs 200/8 hrs 300/6 hrs 200/8 hrs 100/10 hrs 100/10 hrs 6/8/10 hrs
Geography - India (INR) 1000/10 hrs 1000/10 hrs 2000/8 hrs 3000/6 hrs 2000/8 hrs 1000/10 hrs 1000/10 hrs 6/8/10 hrs
Section 21 Personal Liability 50000 100000 150000 200000 100000 100000 100000
Section 22 Loss of Passport and Driving License 300 300 400 500 250 300 400
Section 28 Golfers Hole-in-one 300 300 500 1000 Optional 300 300
Section 30 Hijack Cover 2000 3000 5000 10000 3000 2000 3000
Section 33 Home Burglary and Robbery Insurance (INR)
Sub Section 1 Portable Equipments other than Laptop 100000 150000 200000 500000 100000 100000 150000
Sub Section 2 Laptop 100000 100000 100000 100000 100000 100000 150000
Sub Section 4 Others 100000 150000 200000 500000 100000 100000 150000
Section 34 Standard Fire and Special Perils Cover (INR)
Sub Section 1 Portable Equipments other than Laptop 100000 150000 200000 500000 100000 100000 150000
Sub Section 2 Laptop 100000 100000 100000 100000 100000 100000 150000
Sub Section 4 Others 100000 150000 200000 500000 100000 100000 150000
Section 41 Trip Delay Delight 80/6 hrs 100/6 hrs 120/5 hrs 150/4 hrs 80/6 hrs 80/6 hrs 80/6 hrs 4/5/6 hrs
Section 31 Emergency Cash Assistance Service 500 1000 1000 1500 1000 1000 1000
Section 15 Missed Connection 250 300 300 300 300 Optional Optional
Section 29 Bounced HotelOptional 400 500 500 500 500 500
Section 16 Trip ExtensionOptional 750 1000 1500 1000 750 750
Section 25 Legal Expenses Optional Optional 1000 1000 Optional Optional Optional
Section 27 Weather Guarantee Optional Optional 200 500 Optional NA NA
Section 32 Extended Pet Stay (INR) Optional Optional 3000 3000 Optional Optional Optional
Section 20 Loss of Personal Belonging including Mobile, Laptop, Ipad, E-Reader Optional Optional Optional 1500 Optional Optional Optional
Section 23 Car Hire Excess Insurance Optional Optional Optional 50O Optional Optional Optional
Section 24 Alternative Transport Expenses Optional Optional Optional200 Optional Optional Optional
Section 9 Compassionate Visit Optional Optional Optional1000 1000 Optional Optional
Section 10 Compassionate Stay Optional Optional Optional1000 1000 Optional Optional
Section 11 Return of Minor Child Optional Optional Optional 1000 NA NA NA
Section 17 Ticket Overbooking Optional Optional Optional200 200 Optional Optional
Extn. 5 for Section 5 & 6 Sporting Activities Cover Optional Optional OptionalOptional NA NA NA
Section 4 Disability Benefit Cover Optional Optional OptionalOptional NA Optional Optional
Section 12 Replacement and Rearrangement of Staff Optional Optional OptionalOptional NA Optional Optional
Extn. 3 for Section 6 Pre- Existing Injury Cover NA NA NA Optional NA NA NA
Extn. 4 for Section 5 & 6 Waiver of Sub-limits Optional Optional Optional Optional Optional Optional Optional
** - please note that the coverages under the different plans vary with the insurance company for the same Sum Insured, please go through the coverage details while deciding on the most suitable plan.

Even assuming that the average cost of travel travel insurance for Asia is Rs.1,000 (on the higher side), and the overall trip costs in the region of Rs.40,000 (per person including air transfers, hotel stay, local tour packages etc), the % contribution of insurance is just 2.5%. This clearly illustrates that every Asian traveller should consciously insure themselves prior to departing from India.

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