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Bajaj Allianz Annual Multitrip Insurance
80.2%
70%
5,24,552
5,24,552
USD 50,000 / 1Lac / 2Lac / 2.5lac / 5Lac / 10lac
365 days(can be extended for further)
6 months to 70 years
| Aspect | Single Trip Insurance | Annual Multi-Trip Insurance |
|---|---|---|
| Coverage Duration | One specific trip | Multiple trips within a year |
| Cost Efficiency | More expensive per trip | Cost-effective for frequent travelers |
| Convenience | Buy for each trip | One-time purchase for all trips in a year |
| Suitability | Infrequent travelers | Frequent travelers |
| Coverage | One trip at a time | Continuous for all trips in policy year |
| Preparation | Must arrange before each trip | Always ready for spontaneous trips |
Annual multi-trip travel insurance saves money compared to single-trip policies primarily by offering coverage for multiple journeys within a year under a single premium, rather than requiring you to buy a new policy for each trip. Here’s how the savings work:
Lower Cost Per Trip for Frequent Travelers: If you travel more than two or three times a year, the total cost of buying individual single-trip policies often exceeds the cost of one annual multi-trip policy. For example, if a single-trip policy costs ₹1,000 for a week in Europe, but an annual policy costs ₹3,500 , taking just three to four trips makes the annual policy cheaper per trip, and the savings increase with more trips.
One-Time Payment and Convenience: With annual multi-trip insurance, you pay once and are covered for all trips within the policy year, eliminating repeated purchases and potentially saving on administrative fees or policy change charges that can add up with multiple single-trip policies.
Break-Even Point: The break-even point-where annual insurance becomes more cost effective-typically occurs after three to four trips per year, depending on the destinations and length of each trip. Beyond this, each additional trip is essentially covered at no extra cost.
Consistent Coverage: Annual policies provide continuous coverage, which can prevent gaps in protection and reduce the risk of forgetting to purchase insurance for a trip, potentially avoiding costly uninsured incidents.
Yes, annual multi-trip travel insurance does have certain limitations and exclusions that policyholders should be aware of:
Maximum Duration Per Trip Each individual trip is covered only up to a specified maximum duration, typically ranging from 30 to 180 days, depending on the insurer and the plan. If your trip exceeds this limit, coverage for that trip will lapse for the period beyond 30/45/60 days, even though your annual policy remains active for other trips.
Pre-Existing Medical ConditionsMost annual multi-trip policies do not cover claims arising from pre-existing medical conditions unless it is a life-threatening emergency. Treatment for terminal illnesses, routine check-ups, and ongoing treatments are generally excluded. This however is similar to Single Trip policies also.
Age Limits There are eligibility age ranges, often between 18 to 70 years, depending on the insurer. Travelers outside these age brackets may not be eligible for coverage or may face additional restrictions.
Medical emergencies or other claims that occur before the start of your trip or after returning home are not covered, eventhough the policy is an Annual policy.
Yes, several providers in India offer flexible trip coverage durations for annual multi-trip travel insurance, allowing customization based on individual needs:
TATA AIG: Offers flexible plans that can be customized based on the length of each trip and other factors. For their annual multi-trip policies, coverage can extend up to 180 days per trip, and plans can be tailored to ensure uninterrupted coverage for your specific travel patterns.
ICICI Lombard: Allows you to customize your travel insurance policy, including flexible per trip options of 30 / 45 / 60 days to match your trip duration and personal requirements.
Star Health: Provides multi-trip plans with options for up to 30, 45, or 60 days per trip, letting you select a duration that fits your travel frequency and needs.
Reliance General Insurance: Offers international travel insurance with flexible per trip coverage options of 30 / 45 days to suit personal needs, including adjustable trip durations.
Bajaj Allianz: Provides different plan tiers with each trip duration starting from 30 days upto 180 days, with flexible sum insured and coverage features, allowing you to select a plan that matches your trip duration and preferences. They also offer coverage beyond 70 years of age.
These providers generally allow you to choose from preset trip duration options or customize your plan, ensuring you get coverage that aligns with your travel habits. However, the maximum allowable duration per trip is still subject to policy limits, so it’s important to review each provider’s terms to ensure the coverage fits your specific needs.
Yes, you can customize the trip duration for a single-trip travel insurance policy. When purchasing single-trip insurance, you specify the exact dates of your journey, and the policy is tailored to cover that period-from your departure to your return. Most providers allow you to select a trip duration that matches your travel plans, typically ranging from a minimum of 30 days up to a maximum of 180 days, depending on the insurer.
If your trip is unexpectedly extended, many insurers also offer the option to extend your existing single-trip policy, subject to certain conditions and maximum duration limits (often up to 365 days in total). Additionally, you can adjust or change your trip dates before the policy start date if your travel plans change.In summary, single-trip travel insurance is highly customizable regarding trip duration, allowing you to align coverage precisely with your specific travel needs.
If the insured traveler has taken a Annual policy with a single trip duration of 30 days, but unexpectedly their trip is extended by another 15 days, what options does the travel have?
Planned Extensions:
If you voluntarily extend your trip (for example, choosing to stay longer for personal reasons), you will need to pay an additional premium for the extra days of coverage. The insurer will inform you of the exact premium amount based on the extended duration, your coverage level, and sometimes your age group.Emergency Extensions:
If your trip extension is due to uncontrollable circumstances such as airline cancellations, civil unrest, or severe weather, many insurers provide an emergency extension benefit. In such cases, you typically do not have to pay any additional premium for the extension, but this is usually limited to a specific number of days (often 7–15 days) and is subject to the terms mentioned in your policy document.Process:
To extend your policy, you usually need to contact your insurer before the policy expires, provide a valid reason, and pay the additional premium if required. The insurer will issue an extension / endorsement or updated certificate as proof of the extension.| Coverages in USD | Corporate Lite | Corporate Plus | Deductible |
| Medical Expenses | $2,50,000 | 5,00,000 | 100 |
| Evacuation and Repatriation | Included under Medical Expenses | ||
| Personal Accident | 15000 | 15000 | Nil |
| Loss of Checked Baggage** | 1000 | 1000 | Nil |
| Delay of Checked Baggage | 100 | 100 | 12 hrs |
| Loss of passport | 250 | 250 | 25 |
| Hijack | $50 per day to max $300 | $50 per day to max $300 | Nil |
| Trip Delay | $20 per 12 hrs to max $100 | $20 per 12 hrs to max $100 | 12 hrs |
| Personal Liability | 2,00,000 | 2,00,000 | 100 |
| Hospitalization Daily Allowance | $25 per day to max $150 | $25 per day to max $150 | Nil |
| Total Coverage during the year maximum | 180 Days | 180 Days | Nil |
| Per Trip Duration of Maximum | 45 Days | 45 Days | Nil |
| Coverages in USD | Corporate Lite | Corporate Plus | Deductible |
| Medical Expenses | $2,50,000 | $5,00,000 | 100 |
| Evacuation and Repatriation | Included under Medical Expenses | ||
| Personal Accident | $25000 | $25000 | Nil |
| AD & D Common Carrier | 5000 | 5000 | Nil |
| Loss of Checked Baggage** | 1000 | 1000 | Nil |
| Delay of Checked Baggage | 100 | 100 | 12 hrs |
| Loss of passport | 250 | 250 | 25 |
| Hijack | $60 per day to max $360 | $60 per day to max $360 | Nil |
| Trip Delay | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | 12 hrs |
| Personal Liability | 2,00,000 | 2,00,000 | 100 |
| Emergency Cash Advance*** | 1000 | 1000 | Nil |
| Golfer's Hole-in-one | 500 | 500 | Nil |
| Trip Cancellation | 1000 | 1000 | Nil |
| Home Burglary Insurance | Rs.200000 | Rs. 300000 | Nil |
| Trip Curtailment | $300 | $500 | Nil |
| Hospitalization Daily Allowance | $25 per day to max $125 | $25 per day to max $150 | Nil |
| Total Coverage during the year maximum | 180 Days | 180 Days | Nil |
| Per Trip Duration of Maximum | 45 Days | 45 Days | Nil |
| Coverages in USD | Lite USD 250,000 |
Plus USD 500,000 |
Maximum USD 1,000,000 |
Age Lite (61 - 70 yrs) USD 50,000 |
Age Plus (61 - 70 yrs) USD 200,000 |
|
| Personal Accident* | 25,000 USD | 25,000 USD | 25,000 USD | 15,000 USD | 25,000 USD | |
| Emergency Dental Pain Relief Deductible: 100 USD |
500 USD | 500 USD | 500 USD | 500 USD | 500 USD | |
| Repatriation Deductible: 100 USD |
5,000 USD | 5,000 USD | 6,500 USD | 5,000 USD | 5,000 USD | |
| Loss of Checked Baggage** | 1,000 USD | 1,000 USD | 1,000 USD | 1,000 USD | 1,000 USD | |
| Delay of Checked Baggage Deductible: 12 hrs |
100 USD | 100 USD | 100 USD | 100 USD | 100 USD | |
| Loss of Passport Deductible: 25 USD |
250 USD | 250 USD | 300 USD | 250 USD | 250 USD | |
| Personal Liability Deductible: 100 USD |
200,000 USD | 200,000 USD | 350,000 USD | 100,000 USD | 100,000 USD | |
| Hijack cover | 60 USD per day to maximum 360 USD | 60 USD per day to maximum 360 USD | 100 USD per day to maximum 500 USD | 50 USD per day to maximum 300 USD | 50 USD per day to maximum 300 USD | |
| Trip Delay Deductible: 12 hrs |
30 USD per 12 hrs to max 180 USD | 30 USD per 12 hrs to max 180 USD | 30 USD per 12 hrs to max 180 USD | 20 USD per 12 hrs to max 120 USD | 20 USD per 12 hrs to max 120 USD | |
| Golfer’s Hole-in-one | 500 USD | 500 USD | 500 USD | - | - | |
| Trip Cancellation | 1000 USD | 1000 USD | 1000 USD | - | - | |
| Trip Curtailment | 300 USD | 500 USD | 500 USD | - | - | |
| Accidental Death & Disability (Common Carrier) | 5,000 USD | 5,000 USD | 5,000 USD | - | - | |
| Home Burglary Insurance | INR 200,000 | INR 200,000 | INR 250,000 | - | - | |
| Emergency Cash Benefit*** | 1,000 USD | 1,000 USD | 1,000 USD | - | - | |
| Maximum days of coverage in a year | 180 Days | |||||
| Per Trip Limit | 30, 45 and 60 days | |||||
*Indicates only 50 % of Sum Assured in respect of death of insured person below 18 years of age. e.g in case of death of insured person who is below age of 18 years total liability will become 50% of total SI for personal accident i.e 50%*10000 USD= 5000 USD
** Per Baggage maximum 50 % and per item in the baggage 10 %
*** Cash Advance would include delivery charges
Corporate Travel Companion with a per-trip limit of 30 days (Worldwide Including USA/CANADA)
| Age in years | Corporate Lite | Corporate Plus | Corporate Age Lite |
|---|---|---|---|
| 18-40 yrs. | ₹4,411 | ₹5,087 | - |
| 41-60 yrs. | ₹4,620 | ₹5,214 | - |
| 61-70 yrs. | - | - | ₹8085 |
Corporate Travel Elite with a per-trip limit of 30 days (Worldwide Including USA/CANADA)
| Age in years | Elite Corporate Lite 2.5 Lakhs | Elite Corporate Plus 5 Lakhs | Corporate Age Elite 2 Lakhs |
|---|---|---|---|
| 18-40 yrs. | ₹5,070 | ₹5,854 | - |
| 41-60 yrs. | ₹5,313 | ₹6,011 | - |
| 61-70 yrs. | - | - | ₹9975 |
Travel Prime Corporate with per trip limit of 30 days (Worldwide Including USA/CANADA)
| Age in years | Lite USD 250,000 | Plus USD 500,000 | Maximum USD 1,000,000 | Age Lite USD 50,000 | Age Plus USD 200,000 |
|---|---|---|---|---|---|
| 0.6-40 yrs. | ₹4,752 | ₹5,486 | ₹6,892 | - | - |
| 41-60 yrs. | ₹4,969 | ₹5,633 | ₹7,077 | - | - |
| 61-70 yrs. | - | - | - | ₹11,247 | ₹12,869 |
Travel Prime Corporate with per trip limit of 45 days (Worldwide Including USA/CANADA)
| Age in years | Lite USD 250,000 | Plus USD 500,000 | Maximum USD 1,000,000 | Age Lite USD 50,000 | Age Plus USD 200,000 |
|---|---|---|---|---|---|
| 0.6-40 yrs. | ₹5,165 | ₹5,962 | ₹7,491 | - | - |
| 41-60 yrs. | ₹5,402 | ₹6,123 | ₹7,692 | - | - |
| 61-70 yrs. | - | - | - | ₹12,226 | ₹13,988 |
Travel Prime Corporate with per trip limit of 60 days (Worldwide Including USA/CANADA)
| Age in years | Lite USD 250,000 | Plus USD 500,000 | Maximum USD 1,000,000 | Age Lite USD 50,000 | Age Plus USD 200,000 |
|---|---|---|---|---|---|
| 0.6-40 yrs. | ₹5,784 | ₹6,678 | ₹8,388 | - | - |
| 41-60 yrs. | ₹6,050 | ₹6,858 | ₹8,615 | - | - |
| 61-70 yrs. | - | - | - | ₹13,693 | ₹15,666 |
You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know more »Travelers who have already traveled from India and do not have insurance can buy travel medical insurance after approval.
Know more »Insurance customers can renew their existing policy online before the exipry date at any time.
Know more »In case of a claim or reimbursement of treatment expenses, notify Bajaj by contacting them.
Know more »Kindly refer the Bajaj travel insurance policy wordings for complete coverage details along with terms and conditions.
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