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.

  Travel Care	Travel Secure	Travel Value	Travel Age
  Medical Expenses and Evacuation(Deductible $100)
  $50,000	$200,000	$500,000	$500,000
  Emergency Sickness Dental Expense(Deductible $100)#
  $500	500	$500	NA
  Checked Baggage Loss Benefit*
  $250	$1000	$1000	$250
  Baggage Delay Benefit(After first 12 hrs)
  $100	$100	$100	$100
  Personal Accident**
  $10,000	$25,000	$30,000	$25,000
  Loss of Passport
  $250 Deductible: $15	$250 Deductible: $25	$250 Deductible: $25	$250 Deductible: $25
  Personal Liability(Deductible $200)
  $100,000	$200,000	$200,000	$100,000
  Hijack
  $50 per day, max $300	$50 per day, max $300	$50 per day, max $300	$50 per day, max $300
  Emergency Cash Advance***
  $500	$1000	$1500	$500
  Golfer's Hole in One
  NA	$250	$500	$250
  Trip Delay(After first 12 hrs)
  NA	$20 per 12 hrs., max $120	$20 per 12 hrs., max $120	NA

  # - 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 and is paid against the Credit Card Limit of the insured.

• 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.

  Bajaj Allianz - Travel Prime Insurance Coverage and Benefits for 6 months to 60 years

  Silver $50,000	Gold $2 Lakhs	Platinum $5 Lakhs	Super Platinum $7.5 Lakhs	Maximum $10 Lakhs
  Medical Expenses and Evacuation(Deductible $100)
  $50,000	$200,000	$500,000	$750,000	$1,000,000
  Personal Accident*
  $15,000	$25,000	$25,000	$25,000	$25,000
  Emergency Sickness Dental Expense(Deductible $100)
  $500	$500	$500	$500	$500
  Repatriation of Remains
  $5,000	$5,000	$5,000	$6,000	$6,500
  Checked Baggage Loss Benefit**
  $500	$1,000	$1,000	$1,000	$1,000
  Accidental Death and Dismemberment Benefit(Common Carrier)
  $2,500	$5,000	$5,000	$5,000	$5,000
  Loss of Passport (Deductible $25)
  $250	$250	$250	$300	$300
  Personal Liability
  $100,000	$200,000	$200,000	$250,000	$250,000
  Hijack
  $50 per day to max $300	$60 per day to max $360	$60 per day to max $360	$60 per day to max $360	$60 per day to max $360
  Emergency Cash Benefit***
  $500	$1,000	$1,000	$1,500	$1,500
  Trip Delay(After first 12 hrs)
  $25 per 12 hrs to max $120	$30 per 12 hrs to max $180	$30 per 12 hrs to max $180	$30 per 12 hrs to max $180	$30 per 12 hrs to max $180
  Hospitalization Daily allowance
  $20 per day to max $100	$25 per day to max $125	$20 per day to max $150	$25 per day to max $125	$25 per day to max $125
  Golfer's Hole in One
  $250	$500	$500	$500	$500
  Trip Cancellation
  $500	$1,000	$1,000	$1,000	$1,000
  Trip Curtailment
  $200	$300	$500	$500	$500
  Baggage Delay Benefit(After first 12 hrs)
  $100	$100	$100	$100	$100
  Home Burglary Insurance
  RS 1 Lakh	RS 2 Lakhs	RS 3 Lakhs	RS 3 Lakhs	RS 3 Lakhs
  Missed Connection (Deductible: 12 hrs)
  $100	$100	$100	$100	$100
  Difference in Airfare due to delayed or early return
  $500	$500	$500	$500	$500
  Bounced Hotel
  $500	$500	$500	$500	$500
  Personal Accident Cover in India
  RS 50,000	RS 50,000	RS 50,000	RS 50,000	RS 50,000

  *Only 50% of the sum assured in respect of the death of the insured person below age of 18 years.
  **Per baggage maximum 50% and per item in the baggage restricted to 10%.
  ***Cash Advance Would include delivery charges
  

  Bajaj Allianz - Travel Prime insurance coverage and benefits for 61-70 Years

  Prime Age Silver $50,000	Prime Age Gold $200,000	Prime Age Platinum $500,000	Prime Age Super Platinum $750,000	Prime Age Maximum $1000,000
  Accident and Sickness Medical Expenses Reimbursement(Deductible $100)
  $50,000	$200,000	$500,000	$750,000	$1000,000
  Accidental Death and Dismemberment(Common Carrier)
  $2,500	$5,000	$5,000	$5,000	$5,000
  Emergency Sickness Dental Expense(Deductible $100)
  $500	$500	$500	$500	$500
  Repatriation of Remains
  $5,000	$5,000	$5,000	$5,500	$6,000
  Baggage Delay Benefit(After first 12 hrs)
  $100	$100	$100	$100	$100
  Checked Baggage Loss Benefit**
  $500	$1,000	$1,000	$1,000	$1,000
  Loss of Passport (Deductible $25)
  $250	$250	$250	$300	$300
  Personal Liability(Deductible $100)
  $100,000	$200,000	$200,000	$250,000	$250,000
  Hijack
  $50 per day to max $300	$60 per day to max $360	$60 per day to max $360	$60 per day to max $360	$60 per day to max $360
  Emergency Cash Advance***
  $500	$1,000	$1,000	$1,000	$1,000
  Trip Delay(After first 12 hrs)
  $20 per 12 hrs to max $120	$30 per 12 hrs to max $180	$30 per 12 hrs to max $180	$30 per 12 hrs to max $180	$30 per 12 hrs to max $180
  Personal Accident*
  $15,000	$25,000	$25,000	$25,000	$25,000
  Hospitalization Daily allowance
  $25 per day to max $100	$25 per day to max $125	$25 per day to max $250	$25 per day to max $250	$25 per day to max $250
  Home Burglary Insurance
  Rs.100,000	Rs.200,000	Rs.300,000	Rs.300,000	Rs.300,000
  Trip Cancellation
  $500	$1,000	$1,000	$1,000	$1,000
  Trip Curtailment
  $200	$300	$500	$500	$500
  Missed Connection/Missed Departure (12 hours)
  $100	$100	$100	$100	$100

  *Only 50% of the sum assured in respect of the death of the insured person below age of 18 years.

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

  ***Cash Advance Would include delivery charges

  Bajaj Allianz - Travel Prime insurance coverage and benefits for 71-99 Years

  Prime Super Age $50,000	Coverage
  Medical Expenses and Evacuation(Deductible $100)	$50,000
  Personal Accident*	$10,000
  Emergency Sickness Dental Expense(Deductible $100)	$500
  Repatriation of Remains	$5000
  Baggage Delay Benefit(After first 12 hrs)	$100
  Checked Baggage Loss Benefit**	$500
  Loss of Passport (Deductible $25)	$250
  Personal Liability(Deductible $100)	$100,000
  Hijack	$50 per day to max $300
  Emergency Cash Advance***	$500
  Trip Delay(After first 12 hrs)	$20 per 12 hrs to max $120
  Golfer's Hole in One	$250
  Trip Cancellation	$500
  Trip Curtailment	$200
  Hospitalization Daily allowance	$25 Per day to Max 100
  Special Conditions for medical expenses
  Accident Death & Disability	$1,500
  Home Burglary Insurance	$10000

  *Only 50% of the sum assured in respect of the death of the insured person below age of 18 years.

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

  ***Cash Advance Would include delivery charges.

  Medical Sublimit under Medical expenses for age 71-99 years who have purchased TRAVEL PRIME PLAN
  Medical Sublimit under Medical expenses	Prime Super Age $50,000
  Hospital Room, Board and Hospital miscellaneous	$1,200 per day
  Intensive Care Unit	$2,000 per day
  Surgical Treatment	$8,000 per day
  Anesthetist Services	25% of Surgeons Charges
  Physician's Visit	$50 per day
  Diagnostic and Pre-Admission Testing	$400
  Ambulance Services	$300

• 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.

  Travel assist classic	Sum Insured in USD
  Medical Expenses and Evacuation(Deductible $100)	$50,000
  Pre-existing Illnesses(Deductible $100)	$300
  Personal Accident**	$10,000
  Emergency Sickness Dental Expense(Deductible $100)	$500
  Baggage Delay Benefit(After first 12 hrs)	$100
  Checked Baggage Loss Benefit*	$250
  Loss of Passport (Deductible $25)	$250
  Personal Liability(Deductible $200)	$100,000
  Hijack	$50 per day to max $300
  Emergency Cash Advance***	$500
  Difference in Airfare due to delayed or early return	Yes
  Stay of a card holder's relative	Daily Limit up to $50 to Max. $250
  Minors´ Escort	Yes
  Hotel Expenses due to convalescence	Daily Limit up to $50 to Max. $250
  Transfer of executives due to an emergency	Yes
  Legal assistance to file claims in case of an accident (Fees And Expenses)	$2,000
  Cash Advance for bail bonds	$3,000
  Concierge 24 hrs.	Yes
  Lost Baggage Tracking	Yes
  Transfer of a relative	Yes

  # - 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.

  Some unique benefits under the Travel Assist Plan include

  • Family visit coverage - In the being as a result of an accidental injury or sickness covered under the policy and the attending physician in writing advises the necessary attendance of a Family Member of the Insured and provided the anticipated hospitalization is over ten days and is within the policy validity period plus 7 complementary days, The company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum the sum insured.
  • Minors' escort - Subject to all other terms and conditions, if the insured is hospitalized due to an illness or accident covered under the policy and he is the only companion of a child (or children) under the age of 15 years who is (are ) also insured under BAGIC , then if the insured is not able to take care of the child (or children) , The company will reimburse the actual cost of economy class transportation by the most direct route via a common carrier subject to maximum the sum insured, for the relative to accompany the child( or children) back to their permanent place of residence in India.
  • Stay of Visiting Family Member - Subject to all other terms and conditions, if the Family visit benefit is approved by the company, and if the family member is abroad alone, and without any other family members or personal friends, during said period, then the lodging expenses incurred by the accompanying relative for a maximum period of 10 (ten) days will be assumed by the company subject to the sum insured and limits mentioned in the schedule.
  • Difference in airfare due to delayed or early return - Subject to all other terms and conditions of the policy, if the insured return back to India due to illness or accident is cancelled or delayed then The company will pay for the fare difference for a tourist or economy class return ticket when the insured's original return ticket was issued at a reduced rate and with a fixed or limited return date, and such return date cannot be met due to the insured's illness or accident covered under the polic
  • Legal assistance in case of responsibility in an accident - Subject to all other terms and conditions of the policy , In case the insured is charged with responsibility in an accident in a country where company renders its assistance services, an attorney will be placed at the disposal of the insured who makes such a request, in order to take charge of his/her civil or criminal defense. The company will advance, as a loan and to be refunded by the insured the amounts corresponding to lawyer fees and trial expenses
  • Baggage Tracking - Subject to all other terms and conditions of the policy, The company will assist the insured abroad by all means at its reach to try to locate lost pieces of luggage that have been shipped in the luggage compartment of the same international flight on which the insured was traveling. The Company in association with ASSIST-CARD provides insured, within the document-holder with codified luggage tags for identification purposes. In order to facilitate luggage identification in case of loss, it is essential to have those luggage tags affixed to it for the whole duration of the trip
  • Concierge Services - The company can provide on best effort basis miscellaneous information to the insured related to the and during the Policy Holder's trip. The below are assistance services which will be tried to be arranged and are not guaranteed. The information services will comprise the following and charges if any incurred will be debited to insured's account directly

• Travel elite asia

  This is an Asia specific plan to cover travellers to different locations in Asia. Under the Travel Elite plan, there are two options called Flair and Supreme where there is a difference in the Sum Insureds for Accident & Sickness. The plans have almost equal benefits which include Dental Relief, Loss and Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident cover etc.

  Travel Elite Asia Flair	Travel Elite Asia Supreme
  Medical Expenses and Evacuation(Deductible $50)
  $15,000	$25,000
  Emergency Sickness Dental Expense(Deductible $50)
  $500	$500
  Checked Baggage Loss Benefit*
  $200	$200
  Baggage Delay Benefit(After first 12 hrs)
  $100	$100
  Personal Accident**
  $7,500	$7,500
  Accidental Death and Dismemberment Benefit(Common Carrier)
  $2,500	$2,500
  Loss of Passport (Deductible $25)
  $100	$100
  Personal Liability(Deductible $100)
  $10,000	$10,000
  Hijack
  $50 per day, Max $300	$60 per day, Max $360
  Trip Delay(After first 12 hrs)
  $20 per 12 hrs, Max $120 per day	$30 per 12 hrs, Max $180 per day
  Emergency Cash Advance***
  $500	$500

  # - 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.

• Senior citizens 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.

  Age Group 71 - 75 years	Age Group 76 - 80 years	Age Group 81 - 85 years
  Medical Expenses and Evacuation(Deductible $100)
  $50,000	$50,000	$50,000
  Personal Accident**
  $10,000	$10,000	$10,000
  Accidental Death and Dismemberment Benefit(Common Carrier)
  $1,500	$1,500	$1,500
  Checked Baggage Loss Benefit*
  $500	$500	$500
  Baggage Delay Benefit(After first 12 hrs)
  $100	$100	$100
  Loss of Passport (Deductible $25)
  $250	$250	$250
  Hijack
  $50 per day to max $300	$50 per day to max $300	$50 per day to max $300
  Trip Delay(After first 12 hrs)
  $20 per 12 hrs to max $120	$20 per 12 hrs to max $120	$20 per 12 hrs to max $120
  Personal Liability(Deductible $100)
  $100,000	$100,000	$100,000
  Emergency Cash Advance***
  $500	$500	$500
  Golfer's Hole in One
  $250	$250	$250
  Trip Cancellation
  $500	$500	$500
  Home Burglary Insurance
  Rs. 100,000	Rs. 100,000	Rs. 100,000
  Trip Curtailment
  $200	$200	$200
  Hospitalization Daily allowance
  $25 Per day to Max 100	$25 Per day to Max 100	$25 Per day to Max 100
  Special Conditions for medical expenses
  Any One Illness
  $8500    ($7500 if purchased 30 days in advance)	$7500   ($5000 if purchased 30 days in advance)	$5000   ($3000 if purchased 30 days in advance)
  Any one Accident
  $20000	$20000	$20000

  # - 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)	Corporate Lite Benefits(USD)	Corporate Plus Benefits(USD)
  Medical Expenses and Evacuation(Deductible $100)
  $250,000	$500,000	$250,000	$500,000
  Emergency Sickness Dental Expense(Deductible $100)
  $500	$500	$500	$500
  Checked Baggage Loss Benefit*
  $1,000	$1,000	$1,000	$1,000
  Baggage Delay Benefit(After first 12 hrs)
  $100	$200	$100	$100
  Personal Accident**
  $15,000	$30,000	$15,000	$30,000
  Loss of Passport (Deductible $25)
  $250	$250	$250	$250
  Personal Liability(Deductible $100)
  $200,000	$200,000	$200,000	$200,000
  Hospitalization Daily allowance
  $25 per day to maximum $ 150	$25 per day to maximum $ 150	$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	$60 per day to maximum $360	$60 per day to maximum $360
  Trip Delay(After first 12 hrs)
  $20 per 12 hrs. maximum $ 100	$20 per 12 hrs. maximum $ 100	$20 per 12 hrs. maximum $100	$20 per 12 hrs. maximum $100
  Total Coverage During the Year Maximum
  180 days	180 days	180 days	180 days
  Per Trip Duration
  45 days	45 days	45 days	45 days
  Accidental Death and Dismemberment Benefit(Common Carrier)
  NA	NA	$5,000	$5,000
  Trip Cancellation
  NA	NA	$1000	$1000
  Trip Curtailment
  NA	NA	$300	$300
  Home Burglary Insurance
  NA	NA	Rs.2,00,000	RS.2,00,000
  Golfer's Hole in One
  NA	NA	$500	$500

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