Bajaj Allianz Travel Insurance
Bajaj Allianz General Insurance Company Overview:
Bajaj Allianz General Insurance is a leading insurance provider of India. The company is a joint venture of Bajaj Finserv and Allianz SE that offers a range of products in both General Insurance and Life Insurance categories. Baja Allianz offers a range of insurance products and has been serving to this industry with innovative insurance solutions. In addition, when it comes to travel insurance, the company offers some of the most versatile insurance products. It not only covers individual travellers, but it also has plans for senior citizens, a student travelling to a foreign country for studies, a corporate traveller, and many more. A brief description of various travel insurance plans offered by Bajaj Allianz is discussed below.
What is the need for Bajaj Travel Insurance Plan?
Travelling is always a beautiful experience wherein one explores the unexplored places and meets with new people and experiences new cultures. But, it comes with some associated risks as well. Risk as in, if the insured fall sick while travelling, loss of checked-in baggage or occurrence of other unexpected situations that can easily disrupt all the enthrals of a trip. Therefore, to prepare one against all such external factors, travel insurance is recommended.
Travel plans of Bajaj Allianz are developed in a manner that they cater to the needs of travellers of all walks of life, such as student plans for students travelling abroad, senior citizen plans to secure old age people during the trip and so on.
Benefits of Bajaj Allianz Travel Insurance:
Bajaj Allianz travel insurance offers the following set of key benefits:
- Bajaj Allianz disburses and settles the claims easily and follows a hassle free process.
- The plans by Bajaj Allianz cover the expenses incurred due to hospitalisation, loss of passport or baggage, etc. that might happen during your trip.
- The company provides 24x7 assistance over call. The policyholder can give a missed call on +91-124-617 4720. The concerned person will get in touch with them on priority.
- The insurer also offers automatic claim settlement for the policyholders via Travel Ezee.
- Bajaj Allianz offers travel assistance with reference to all the crucial and relevant information about the travel destination.
Types of Bajaj Allianz Travel Insurance Plans:
Bajaj Allianz Travel insurance offers various plans that suit the needs of its customers. Let us discuss top travel plans by Bajaj Allianz:
1. Bajaj Allianz Individual Travel Insurance Policy:
Whether one is a solo travelling or has to travel a lot due to job/business, he/she should cover itself against any medical emergencies, delays, and/or losses. The Bajaj Allianz Individual Travel Insurance Policy is designed to keep various needs of an individual traveller in mind. The policy has three variants – Travel Companion Plan, Travel Elite Plan, and Travel Prime Plan.
a) Travel Companion Plan: Travel Companion Plan by Bajaj Allianz is a travel plan that has comprehensive coverage with really attractive benefits for the individual traveller. This plan itself has three variants – travel care, travel value, and travel secure. Every sub-category under this plan has almost the same coverage but with some difference in sum-assured.
b) Traveler Elite Plan: Bajaj Allianz Traveller Elite plan has additional features than the companion plan. This plan itself has three sub-categories – Silver, Gold, and Platinum. All three sub-categories have almost the same coverage, but the extent of the coverage differs in absolute terms.
c) Travel Prime Plan: Travel Prime Plan by Bajaj Allianz is plan of individual travellers’ insurance policy and is basically a customized plan. This plan also has five sub-divisions – Silver, Gold, Platinum, Super Platinum, and Maximum. The coverages of all the variants are almost the same with the difference in absolute amounts.
2. Bajaj Allianz Family Travel Insurance Policy:
A foreign trip with family is always full of fun and togetherness, but even the slightest issue like sudden sickness of a kid can ruin the entire vacation. Therefore, to insure the entire family members while travelling to a foreign land is one of the necessities. Under the family travel plan of Bajaj Allianz provides coverage for self and spouse ageing up to 60 years and two children up to 21 years. The sub-categories of this policy are – Travel Companion Plan, Travel Elite Plan, and Travel Prime Plan.
a) Travel Companion Plan: A family travel insurance plan that can be availed at an affordable price. It provides all the basic coverages of the family travel insurance plan with floater benefits for individual family members.
b) Travel Elite Plan: A plan that provides slightly enhanced coverages for the entire family than the Travel Companion Plan is Bajaj Allianz Travel Elite Plan.
c) Travel Prime Plan: Bajaj Allianz Travel Prime Plan comes with advanced benefits for a family with three sub-categories. All three variants of this plan have the same coverages with a slight difference in their coverage amount.
3. Bajaj Allianz Senior Citizen Travel Insurance Policy:
Travelling abroad in the golden years is the dream of almost all. But at the age when one is considered as a senior citizen, having a small issue during the trip can cause a lot of inconveniences. Therefore, to stay away from travel-related complicacy like theft, loss, or health issues while travelling abroad, Bajaj Allianz Senior Citizen Travel Insurance Policy comes in handy. This plan has three major variants – Travel Companion Plan, Travel Elite 61 – 70, and Travel Elite 71 – 80. The three variants are briefly mentioned below:
a) Travel Companion Plan: Bajaj Allianz Travel Companion Plan is a basic travel insurance plan for senior citizens that majorly cover medical expenses during the trip.
b) Travel Elite 61 – 70: Travel Elite 61-70 by Bajaj Allianz is a travel insurance plan for senior citizens that cover the people between 61 years to 70 years of age. This plan again has subcategories – Silver, Gold, and Platinum. The coverage in these sub-divisions is almost the same but with the difference in the coverage amount.
c) Travel Elite 71 – 80: Bajaj Allianz Travel Elite 71-80 is a plan that covers the individuals ageing between 71 years to 80 years. This plan does not have any sub-categories.
4. Bajaj Allianz Student Travel Insurance Plan:
Students travelling abroad for studies need all sort of protection ranging from emergency cash or medical care to cover against loss or theft. So, shielding the child with Bajaj Allianz’s Student Travel Insurance Plan gives the insured all such benefits. This plan has three variants – Study Companion, Student Elite, and Student Prime plan.
a) Study Companion Plan:Study Companion Plan is a simple student travel insurance plan that covers medical expenses that may incur to a student. With variations in the premium, sum insured, and some other criteria, this plan has three sub-categories – Standard, Silver, and Gold.
b) Student Elite Plan: Student Elite Plan by Bajaj Allianz is a customized travel insurance plan for students who are travelling abroad. Under this plan, Bajaj travel insurance takes care of the health-related requirements and various other needs of a student going to a foreign land for studies. This plan too has three sub-categories – Standard, Silver, and Gold. These plans have almost the same coverage options but with different sum insured.
c) Student Prime Plan:Student Prime Plan is a specially customized plan that caters to almost all the needs of a student travelling abroad. This plan covers all kind of travel eventualities such as hospitalization, emergency evacuation, emergency cash, etc. This plan is available in seven variants – Standard, Silver, Gold, Platinum, Super Gold, Super Platinum, and Maximum.
5. Bajaj Allianz Corporate Travel Insurance Policy:
Bajaj Allianz Corporate Travel Insurance Policy is a comprehensive travel insurance policy for covering complete travel and medical expenses of travellers who travel internationally for business purposes. It is the responsibility of the organizations to insure their employees who travel internationally for business purposes. This plan of Bajaj Allianz covers almost all the requirements of a traveller going abroad for a business motive. The maximum coverage during a year is 180 days wherein the per-trip duration that is covered in this plan is 45 days. The main variants of a corporate travel plan are:
a) Companion Plan: The companion corporate plan by Bajaj Allianz has various features for meeting the requirements of the business travellers. It has two customized plans – Corporate Lite and Corporate Plus.
b) Elite Plan: Elite Plan is for those corporate travellers who fly or visit abroad frequently. This plan has two sub-plans – Corporate Lite and Corporate Plus. This plan has all the features of the corporate plan with some additional features.
c) Travel Prime Corporate: Travel Prime Corporate is a plan that provides coverage for corporate travellers over the age of 61 years. With all the covers of companion and elite plans, this Bajaj Insurance Travel Plan as well provides coverage for senior citizens. The five variants of this plan are – Lite, Plus, Maximum, Age Lite, and Age Plus.
d) Age 61 – 70: Age 61-70 is a corporate travel insurance plan of Bajaj that is specifically designed for senior citizen corporate travellers. The two variants of this plan are – Corporate Age Lite and Corporate Age Elite.
6. Bharat Bhraman:
Bharat Bhraman is a domestic travel insurance policy for an individual travelling within India. A person can avail this plan for the business, personal, and vacation purposes in a public transport or personal transport including a bicycle. This plan can be availed for e-commerce cabs also. The period of the plan can be as short as one ride by a cab or as long as 12 months after which the policy has to be renewed. The policy comes with five variants:
a) Plan A – To travel only by e-commerce cabs
b) Plan B – To travel by bus
c) Plan C – To travel by train
d) Plan D – To travel by the scheduled flights only
e) Plan E – To travel by multiple or other modes of transport
7. Travel Asia:
Travel Asia is a travel insurance policy of Bajaj that provides a comprehensive package for the travellers who are planning to travel across Asia.
Note: A person can opt for more than one policy under this plan depending upon his/her travel itinerary.
Key Features of Bajaj Allianz Travel Insurance Policy:
The following are the key features of Bajaj Allianz Travel Insurance Plan:
Bajaj Allianz Travel Insurance Plans offers coverage for flight delays due to several reasons under various circumstances.
Travel insurance plans by Bajaj Allianz also offer coverage for personal accident.
Loss of Luggage:
During the journey, if the baggage of the policyholder is stolen or lost, Bajaj Allianz Travel Insurance policies have it covered.
Loss of Passport:
Travel insurance plans by Bajaj Allianz offers coverage against loss of passport on foreign soil. The policyholder can get a temporary passport with the help of travel insurance plan.
Quick and Easy Settlement of Claims:
Travel insurance policies by Bajaj Allianz General Insurance Company offer easy, quick, transparent and hassle-free claim settlement process.
Cancellation of Flight:
In the event of emergency if the flight gets cancelled or the policyholder has to cancel the flight for any reason, which is not under anyone’s control – Bajaj Allianz Travel Plans have cover for all the expenses incurred.
Hospitalisation Expenses or Medical Coverage:
Travel insurance policies by Bajaj Allianz cover the hospitalisation or medical expenses if the policyholder suffers any illness or injury during the trip requiring urgent treatment and hospitalisation abroad.
Auto Claim Settlement:
Auto Claim Settlement is one feature exclusively offered by Bajaj Allianz General Insurance Company. The policyholder can avail auto claim settlement service via Travel Ezee.
Trip delay or trip cancellation is also covered under Bajaj Allianz Travel Insurance Plans in the event of any unfortunate and unforeseen situations.
Bajaj Allianz Travel Insurance Plan Table
|Plan Name||Entry Age||Special Feature||Common Exclusion|
|Individual Travel Insurance||
|Family Travel Insurance||
|Student Travel Insurance||
|Senior Citizen Travel Insurance||
|Corporate Travel Insurance||
|Bharat Bhraman Plan||
Bajaj Allianz Travel Insurance Policy Eligibility Criteria:
Bajaj Allianz Travel Insurance plans are tailor-made plans. However, there is some parameters basis which, an individual can buy travel insurance policies by Bajaj Allianz:
- Any individual between the age of 6 months and 70 years can buy Bajaj Allianz Travel Insurance Policy.
Bajaj Allianz Travel Insurance Inclusions & Exclusions:
Bajaj Allianz Travel Insurance has a defined set of inclusions and exclusions. Here’s a rundown to different inclusions and exclusions of Bajaj Allianz Travel Insurance Policies.
The common inclusions of all Bajaj Allianz Travel Insurance policy include:
- All medical expenses are covered including hospitalization expenses, emergency medical evacuation and repatriation of mortal remains
- Emergency dental treatment or pain relief
- Expenses incurred due to loss of checked-in baggage
- Loss of passport and expenses incurred in availing the new passport
- Personal liability expense cover
- Family visit expenses in case of emergency and other incidental expenses
- Burglary of home when an insured is travelling
- Expenses incurred due to trip cancellation or trip curtailment
- Hijack distress cover if aircraft is hijacked for more than 24 hours
- Personal accident cover up to a limit
- Covers against tuition fees and bail bonds
When the insurer tries to cover most of the travel related risks, some situations are just not feasible. These include:
- Any claim arising out of a pre-existing illness
- If travelling only to avail medical treatment
- In case the insured is travelling without the consent of a physician
- Un-proven, experimental, or non-standard treatment are not covered by the policy
- Any claim arising out of mental disorder like stress, depression, anxiety, or nervousness are not covered
- Suicide, attempt to suicide or any other self-inflicted injuries or illnesses are excluded
- Pregnancy, childbirth, or any problem related to the same
- Baggage loss due to the carelessness of the insured
- Any loss not reported to the local police within 24 hours of loss detection
- Cost of contact lenses, spectacles, crutches, hearing aids, or other external devices or appliances required either for treatment or diagnosis
- Medical treatment other than modern medicine i.e. Naturopathy treatment is excluded
- Medical expenses incurring after the expiration of the policy
- Passport loss or damage due to detention or confiscation by the police or the customs, or other authorities
Claim Process of Bajaj Allianz Travel Insurance Policy:
Claiming Bajaj Allianz Travel Insurance is a simple and hassle-free process. One just need to inform the insurer or can also register a claim online by visiting the official website. The claim process for various circumstances is given below:
1. Claim for Medical Accident & Sickness Expenses
The insured needs to approach the Assistance Company abroad to obtain the claim form. The claim form is required to be duly filled and sent with a physician’s signature on it. He/she needs to collect the bills/receipts/invoices and submit along with the claim form to the official address of Bajaj Allianz.
2. Loss of Baggage
The first step is to inform the insurer and to register a claim against the loss. The insured can obtain the claim form from the Assistance Company or IBM Intranet. The claim form needs to be duly filled and send along with the relevant documents such as copy of passport/visa, copy of boarding pass, PIR Report etc. to Bajaj Allianz.
3. Loss of Passport
Immediately inform the insurance company and avail the assistance from the Assistance Company abroad. The claim form needs to be duly filled and send along with the relevant documents such as copy of fresh passport, old passport copy if any, return tickets copy, original bills of expenses, a copy of police FIR etc. and send to the insurer.
4. Delay of Baggage
The insured needs to obtain the confirmation of the delay from the airline. The next step is to inform the insurer and avail the claim form from the Assistance Company there. The duly filled claim form needs to be sent along with the relevant documents to Bajaj Allainz.
Documents Required while Claiming Bajaj Allianz Travel Insurance Plan:
The following documents will be required while registering Bajaj Allianz Travel Insurance Claim:
|Claim Type||Required Documents|
|Loss of Luggage||
|Delay of Luggage||
|Medical Accident and Ailment Expenses (on foreign soil)||
|Loss of Passport||
Bajaj Allianz Travel Insurance FAQs:
Q1. What if I am not able to connect to the toll-free number of the insurer? How can I avail cashless benefit?
A1. You must send an email at firstname.lastname@example.org with your contact number. The team will respond to the email and arrange a call within 1-2 days.
Q2. From where can I access the hospitals’ list?
A2. You have to send an email at email@example.com for the details related to the list of network hospitals. You can also call the insurer on their country specific help-line numbers for the list of network hospital.
Q3. How can I avail cashless benefit during hospitalization overseas?
A3. You can visit the nearest hospital for emergency medical procedure, if the expenses incurred for in-patient medical treatment exceeds USD 500 you can apply for cashless service.
You have to register a refund claim, if the amount of claim is not more than USD 500.
Bajaj Allianz insurance company has to be notified for claim initiation by you, your colleague, your relative or anyone on your behalf via the following means within 48 hours:
- Call to their toll free numbers from your current location
- Email – firstname.lastname@example.org
- Call on their chargeable number +91 20 303 05858
- Fax with the hospitalisation details on +91 20 30512207
Q4. Does the Bajaj Allianz Travel Insurance policy cover the out-patient consultation?
A4. Yes, Bajaj Allianz travel insurance plan covers out-patient consultation and expenses incurred for medical treatment on foreign soil. You have to make the payment of the amount to this facility and register a claim for reimbursement.
Q5. What should I do if the hospital doesn’t issue any bills or invoices for my treatment?
A5. In case you do not receive any invoice or bill towards the service rendered or medical treatment, you must inform the insurer via email at email@example.com before leaving the hospital and forward the documents that are available to the insurer.
Q6. Where can I download the claim form?
A6. You can download the claim procedure form from the official website of Bajaj Allianz General Insurance Company.
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