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Bajaj Allianz travel insurance Claims procedure
Outpatient (OPD) treatment refers to medical services provided to patients who do not require an overnight stay at a hospital or healthcare facility. These treatments typically involve consultations, diagnostic procedures, and minor medical interventions. OPD visits allow patients to receive care and return home on the same day, making it a convenient option for a variety of medical needs.
OPD treatments are ideal for managing everyday health issues, monitoring chronic conditions, and receiving preventive care, all without the need for hospitalization. Under the Bajaj Allianz Travel Insurance plans, if the treatment cost is under USD $500, the insured traveler will need to pay for the treatment upfront and subsequently file a reimbursement claim upon returning to India. However, if the treatment cost exceeds USD $500, the Insurance company can assist in making direct payments to the healthcare provider on the patient’s behalf, provided that the medical condition is confirmed to be non-pre-existing. This is not a standard process but can be availed, if approved by the Insurer.
The Medical Assistance Team will engage with the treating physician to review your medical condition and if it is confirmed that treatment is not due to any pre-existing condition or any condition listed in the exclusion section of the policy, the insurance company will guarantee payments to the hospital and settle the costs directly with the healthcare provider, as a special case, subject to approvals.
The policy deductible, which is payable by the insured continues to be USD $100 even for OPD treatment.
For assistance or more information about the claims process, please reach out to our 24-hour Service Center in India at 1800-209-5858 or you can also email our claims department at bagichelp@bajajallianz.co.in for further support.
Yes, all Outpatient (OPD) Treatments are covered under Travel Insurance policies. However as per the standard process, the insurance company doesn’t cover OPD Treatment with Cashless payments. The expenses incurred need to be paid upfront by the insured and claimed as a reimbursement on their return to India. Bajaj Allianz also offers a facility of Cashless payment provided the treatment expenses are over $500, and this is approved on a case to case basis.
There is no Additional Coverage under the policy for OPD treatment. Most companies have a sublimit for OPD treatment which is part of the Overall Accident & Sickness Benefit under the policy. If the insured is covered for $50,000 under their plan, then the typical sublimit for OPD treatment will be around $5,000. So if the insured doesn’t get hospitalised, then they can pay the medical facility, retain all the original receipts and medical records and submit the same on their return to India for reimbursement.
| Type of claim | Documents required* | Procedure |
| Medical Accident & Sickness Expenses** (Outside India) |
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| Loss of Baggage |
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| Loss of Passport |
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| Delay of Baggage |
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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.
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.
Commonly required documents include:
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.
Once all required documents are submitted, claims are typically settled within 10–15 working days. Missing or incomplete documents can delay the process.
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.
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.
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.
Claims are often rejected due to reasons like:
Yes, original bills and receipts are required for claim reimbursement. Photocopies or scanned copies may not be accepted unless specifically allowed by the insurer.
In most cases, pre-existing conditions are excluded. Some plans may offer limited emergency coverage for acute onset of pre-existing illnesses.
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.
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.
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.
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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