Bajaj Allianz Overseas travel insurance

Bajaj Allianz travel insurance overview

• Travel Companion

  Travel Care plans can be an effective travel insurance option for the travelers who are going overseas and looking for a reasonably comprehensive yet affordable insurance plan. Buy Bajaj Allianz Travel Care Insurance policy online and stay secure while you are travelling to a foreign country for any reason. Bajaj Allianz travel companion is the most affordable plan which the travelers can choose from but covers the basic necessities of a Travel insurance program although it offers basic coverages and limits. However the insured can avail cashless treatment if admitted to a hospital abroad.

  Like Travel Care, the other plans in this master plan are the Travel Secure and Travel Value, where the significant difference is in terms of the Sum Insured for Emergency Accident & Sickness at $200,000 and $500,000 respectively. The coverage under the plan and its respective sub-categories include medical expenses, evacuation and repatriation, emergency dental pain relief, personal accident cover, loss and delay of checked in baggage, loss of passport, personal liability, hijack, trip delay. A unique Golfer’s Hole-in-one feature is available with Travel Secure and Travel Value plans which offer reimbursement of expenses that may be incurred to celebrate a hole-in-one by the insured during his/her trip.

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  Travel Elite

  Bajaj Allianz travel elite is a flexible and comphrensive plans for certain category of travellers. It offers travelers going abroad with an insurance cover of $50,000 to $500,000 USD. Its selected plans cover $3,000 for pre-existing medical conditions under life threatening cost without collecting any extra premium.

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  Travel Prime

  What is Travel Prime?
  Travel Prime gives the discerning traveler a wide range of policy options to choose from which include Silver, Gold, Platinum, Super Platinum and Maximum, with each policy customized to meet the specific needs of the traveler. Depending upon whether one is a leisure traveler, businessman, corporate executive, senior citizen or one traveling with the family, one can choose the corresponding plans. The plans are also across the widest age ranges currently available in the India market, which is right from 6 months onwards till 99 years of age. The typical benefits under these plans include Personal Accident (death and disablement), Emergency Accident & Sickness Medical Expenses, Medical Evacuation and Repatriation, Loss and Delay of Checked Baggage apart from Loss of Passport, Personal Liability, Trip Cancellation and Curtailment, Hijack Cover, Trip Delay etc.

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  Travel Assist plan

  Bajaj Allianz General Insurance along with ASSIST CARD a Swiss company specializing in Assistance abroad has launched a co-branded travel insurance product called TRAVEL ASSIST. The product has all the benefits of the existing travel insurance products plus several value-added services to quality-sensitive customers. It has a unique coverage for medical expenses due to pre-existing illness for a limited amount.

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• Senior citizen plans

  Bajaj Allianz also offers a comprehensive Senior Citizen Plan called Travel Companion for Senior Travelers above the age of 70 years, here the benefits are marginally different for each category as presented in the table below. The benefits under the Senior Citizen Program are standard benefits as offered under most of the other Travel plans and they include Emergency Accident & Sickness, Dental Relief, Loss and Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident cover, Repatriation and Medical Evacuation, Trip Cancellation/Curtailment, Golfer hole in one etc.

  Coverage Benefits	Age (71 - 85 years)	Deductible
  Medical Expenses, Evacuation & Repatriation	$50,000	$100
  Personal Accident	$10,000	Nil
  Loss of Passport	$250	$25
  Loss of checked baggage**	$500	Nil
  Delay of checked baggage	$100	12 hrs
  Trip Delay	$20 per 12 hrs to max $120	12 hrs
  Personal Liability	$100,000	$100
  Hijack	$50 per day to max $300	Nil
  Emergency Cash Advance***	$500	$100
  AD & D Common Carrier	$1,500	Nil
  Golfer’s Hole-in-one	$250	Nil
  Trip Cancellation	$500	Nil
  Home Burglary Insurance	Rs. 100,000	Nil
  Trip Curtailment	$200	Nil
  Hospitalization Daily Allowance	$25 Per day to Max 100	Nil

  # - Included under the benefit limit of Sickness Medical Expenses
  * - Per Baggage maximum 50% and per item in the baggage 10%.
  ** - Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years.
  *** - Cash Advance Would include delivery charges issued against Credit Card Limits of the traveler.

• Annual multitrip

  The Bajaj Allianz Annual Multi Trip policy is ideally suited for frequent travellers who travel multiple times every year to destinations abroad. The insured can purchase a single policy for 365 days during which period he/she can travel as many times as they need to, without having to worry about the coverage for each trip. The plans offer a maximum annual coverage of 180 days with each individual trip having a duration upto 45 days, depending on their travel requirements.

  The Annual Multi Trip policy is also an economical option when compared to purchasing individual single trip policies each time they travel. In addition to this, it offers the traveller complete peace of mind for the entire year, not requiring them to remember to purchase a single trip policy each time they need to travel. In terms of coverages also, the Annual Multi Trip plans offer the insured a comprehensive range of benefits to take care of any exigency (both medical and non medical) when they are traveling.

  The benefits under the Family Plans are standard benefits as offered under most of the other Travel plans and they include Emergency Accident & Sickness, Dental Relief, Loss and Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident cover (including coverage in common carrier), Repatriation and Medical Evacuation, Trip Cancellation/Curtailment, Home Burglary, Golfer hole in one etc.

  Corporate Lite Benefits(USD)	Corporate Plus Benefits(USD)
  Medical Expenses and Evacuation(Deductible $100)
  $250,000	$500,000
  Emergency Sickness Dental Expense(Deductible $100)
  $500	$500
  Checked Baggage Loss Benefit*
  $1,000	$1,000
  Baggage Delay Benefit(After first 12 hrs)
  $100	$200
  Personal Accident**
  $15,000	$30,000
  Loss of Passport (Deductible $25)
  $250	$250
  Personal Liability(Deductible $100)
  $200,000	$200,000
  Hospitalization Daily allowance
  $25 per day to maximum $ 150	$25 per day to maximum $ 150
  Hijack
  $50 per day to maximum $ 300	$50 per day to maximum $ 300
  Trip Delay(After first 12 hrs)
  $20 per 12 hrs. maximum $ 100	$20 per 12 hrs. maximum $ 100
  Total Coverage During the Year Maximum
  180 days	180 days
  Per Trip Duration
  45 days	45 days
  Accidental Death and Dismemberment Benefit(Common Carrier)
  $5,000	$5,000
  Trip Cancellation
  $1000	$1000
  Trip Curtailment
  $300	$300
  Home Burglary Insurance
  Rs.2,00,000	RS.2,00,000
  Golfer's Hole in One
  $500	$500

  *Per Baggage maximum 50% and per item in the baggage 10%.

Domestic travel insurance

• PLAN A for Travel by E- Commerce Cabs only
• PLAN B for Travel by Bus only
• PLAN C for Travel by Train only
• PLAN D for Travel by Scheduled Airlines only
• PLAN E for Travel by Other Modes/Multiple Modes of Transport

Where should the insured call for claims assistance while they are abroad?