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Bajaj Allianz travel insurance claims procedure
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.
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.
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.
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.
| 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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