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Bajaj Allianz travel insurance – Quotes

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Travel Insurance

How can I avail cashless facility for hospitalization under my travel insurance?

  • Call the assistance number (Toll-free/ Service center number)
  • Provide the certificate number & the insured name
  • Specify your geographic location
  • The assistance will guide you to the nearest hospital. (If you have a hospital of your choice - please check with the assistance, if cashless facility can be arranged with the hospital of your choice.
    • Direct settlement will be done with the hospital for the expenses under the covered benefits.
    • Settlement will be as per the covered benefit subject to policy terms and conditions.

What should I do if I am unable to contact the assistance number in an emergency and need hospitalization?

  • After hospitalization - Insured/Or someone on behalf of the insured calls the assistance number.
  • Provide the certificate number & insured name.
  • Provides the 'name of the Hospital & location'/'Address'/'Telephone number of the hospital'/'treating doctors name'/'medical expenses incurred'/'paid and review appointment details' to the assistance executive.
  • GOP (guarantee of payment) is placed by the assistance company to the Hospital.
  • Please note - GOP may take 24 hours or less after intimating the assistance toll free.
    • Direct settlement will be done with the hospital for the expenses under the covered benefits
    • Settlement will be as per the covered benefit subject to policy terms and conditions.

Outpatient (OPD) Treatments under Bajaj Allianz’s Travel Insurance

Medical services provided to patients who do not need an overnight stay at hospital or any healthcare facility is called as outpatient (OPD) treatment. OPD is referred for treatments that typically involve consultations, diagnostic procedures, and minor medical interventions. You can receive care at healthcare facility and return home the same day with OPD visits.

Common OPD services include:

  • Consultations with doctors regarding general health issues or particular medical conditions.
  • Diagnostic examinations including blood tests, X-rays, and various screenings.
  • Regular health assessments aimed at tracking and preserving overall well-being.
  • Minor medical procedures such as wound care or immunizations.

Outpatient Department (OPD) treatments are suitable for common health concerns, overseeing chronic illnesses, and obtaining preventive care, all without requiring hospitalization. Under the Bajaj Allianz Travel Insurance plans, if the cost of treatment is below USD $500, the insured traveler must pay for the treatment upfront and later submit a reimbursement claim upon their return to India. It means, if the treatment cost surpasses USD $500, the insurance company may facilitate direct payments to the healthcare provider on behalf of the patient, provided that the medical condition is verified as non-pre-existing. This is not a standard procedure but can be utilized if approved by the insurer.


The Medical Assistance Team will collaborate with the treating physician to assess your medical condition, and if it is confirmed that the treatment is not related to any pre-existing condition or any condition specified in the policy's exclusion section, the insurance company will ensure payments to the hospital and settle the expenses directly with the healthcare provider, as a special case, subject to approvals. The policy deductible, which is the responsibility of the insured, remains at USD $100 even for OPD treatment. For assistance or additional information regarding the claims process, please contact our 24-hour Service Center in India at 1800-209-5858 or you may also email our claims department at [email protected] for further support. [email protected] for further support.

Are OPD treatments under $500 covered by my travel insurance?

Yes, all Outpatient (OPD) Treatments are included in Travel Insurance policies. However, according to the standard procedure, the insurance provider does not cover OPD Treatment with Cashless payments. The costs incurred must be paid in advance by the insured and subsequently claimed for reimbursement upon their return to India. Additionally, Bajaj Allianz provides a Cashless payment option, contingent upon treatment expenses exceeding $500, which is subject to approval on a case-by-case basis.

Do OPD treatments over $500 require additional coverage under my travel insurance?

The policy does not provide any Additional Coverage for OPD treatment. Most insurance companies impose a sublimit on OPD treatment, which is included in the Overall Accident & Sickness Benefit of the policy. For instance, if the insured has a coverage limit of $50,000 under their plan, the usual sublimit for OPD treatment is approximately $5,000. Therefore, if the insured does not require hospitalization, they can settle the bill with the medical facility, keep all original receipts and medical records, and submit these documents upon their return to India.

Bajaj Allianz Travel Insurance Claims Procedure and Required Documents

Type of claim Documents required* Procedure
Medical Accident & Sickness Expenses** (Outside India)
  • Signed Claim form
  • Doctor's report (Attending Physician's Statement)
  • Original Admission/discharge card
  • Original Bills/Receipts/Prescriptions
  • Original X-ray reports/ Pathological/ Investigative reports
  • Copy of passport/Visa with Entry & exit stamp
  • Please contact our Assistance Company at the number given above and obtain a Claim Form from them and fill in. It is necessary to obtain the attending physician's signature on the Form.
  • Please collect all bills/receipts/invoices
  • Send all documents to Bajaj Allianz, Bangalore.(Refer to detailed steps on Accident & Medical sickness claims)
Loss of Baggage
  • Claim form
  • Copy of the passport/Visa with Entry & exit stamp
  • Copies of boarding pass/Ticket/ Baggage Tags
  • Copies of Correspondence with the Airline authorities/Others about loss of checked baggage
  • PIR report (To be obtained from the Airline authorities)
  • Details of compensation received from Airlines/Other authorities
  • Intimate the airline about your loss and lodge complaints.
  • Claim Form can be obtained from our Assistance Company or IBM Intranet.
  • Fill in the Claim Form and send all documents to Bajaj Allianz, Bangalore.
Loss of Passport
  • Copy of new passport
  • Copy of previous passport (if available)
  • Copy of return tickets
  • Original bills/invoices of expenses incurred for obtaining a new passport
  • Copy of FIR/ Police Report
  • Intimate the airline about your loss and lodge complaints.
  • Claim Form can be obtained from our Assistance Company or IBM Intranet.
  • Fill in the Claim Form and send all documents to Bajaj Allianz, Bangalore.
Delay of Baggage
  • Claim form
  • Copy of the passport/Visa with Entry & exit stamp
  • Copies of boarding pass/Ticket/baggage tags
  • Copies of Correspondence with the Airline authorities certifying about the delay
  • PIR report (To be obtained from the Airline authorities)
  • Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period
  • Details of compensation received from Airlines/Other authorities
  • Obtain confirmation of the delay from the airline
  • Claim Form can be obtained from our Assistance Company.
  • Fill in the Claim Form and send all documents to our Bajaj Allianz

* Note: We may call for additional documents/ information as relevant.
** If any hospital does not submit a bill to you for the treatment/service rendered, please intimate our Service Center before you leave the hospital.

Frequently asked questions

How do I report a travel insurance claim with Bajaj Allianz?

You can report a claim of your Bajaj Allianz travel insurance policy by calling their 24x7 helpline, emailing the claims team, or using their mobile app or online portal. You can avoid delays in claim processing by immediate intimation.


What is the difference between emergency and non-emergency claims?

Emergency claims (like hospitalization or medical evacuation) require immediate contact with the assistance provider. Non-emergency claims (like baggage delay) can be reported after returning to India, within a stipulated time frame.


What documents are generally required to file a claim?

Commonly required documents include:

  • Duly filled and signed claim form
  • Policy certificate
  • Original bills, receipts, and reports
  • Passport copy with travel stamps
  • FIR or loss report (if applicable)

How do I know if I qualify for a cashless facility abroad?

You may be eligible for a cashless facility through Bajaj Allianz’s global assistance partners for hospitalization exceeding a certain amount (e.g., $500). Immediately after admission you need to contact toll free numbers mentioned on your policy document.


How long does it take to settle a travel insurance claim?

Once all required documents are submitted, claims are typically settled within 10–15 working days. Missing or incomplete documents can delay the process.


Can I submit a claim after I return to India?

Yes, you can submit non-emergency claims like medical reimbursements, baggage loss/delay, or trip interruption within the prescribed claim reporting period after returning to India.


What happens if I forget to intimate the insurer before treatment?

In case of an emergency situations, if you are unable to inform Bajaj Allianz before start of the treatment, ensure that you inform them as soon as possible after stabilization. The reason for sooner reporting is to avoid delays in claim approval.


Can I track my claim status online?

Yes. Bajaj Allianz travel insurance provides claim tracking via their website and mobile app. You will need your claim number or policy number to access the status.


What types of claims are commonly rejected?

Claims are often rejected due to reasons like:

  • Delayed intimation
  • Incomplete documentation
  • Claims for exclusions (e.g., pre-existing illnesses, self-inflicted injuries)
  • Treatment not considered medically necessary

Do I need to submit original bills for reimbursement?

Yes, original bills and receipts are required for claim reimbursement. Photocopies or scanned copies may not be accepted unless specifically allowed by the insurer.


Are pre-existing conditions covered under travel insurance claims?

In most cases, pre-existing conditions are excluded. Some plans may offer limited emergency coverage for acute onset of pre-existing illnesses.


Where should I send physical documents for a reimbursement claim?

You should courier the original documents to the official Bajaj Allianz claims office address in India, as specified on the policy document or claims form.


Can I make multiple claims during the same trip?

Yes, multiple claims can be made for separate incidents, as long as they fall under covered benefits and within the policy’s terms and sum insured limits.


Is there a time limit for submitting claims?

Yes. Most claims must be submitted within 30 days of the incident or return to India. It is advisable to check the policy terms for exact timelines for claims submission.


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