How Bajaj Allianz Travel Prime Individual Plan Covers Your Overseas Travel?

Coverage offered under Bajaj Allianz Travel Prime Individual Plan:

The following are the coverage offered under Bajaj Allianz Travel Prime Individual Plan:

1. Personal Accident Cover- Any accidental or bodily injury leading to death or permanent dismemberment of the insured traveller is covered.
2. Medical Treatment and Evacuation Expenses- Any medical expense incurred on the treatment of a sudden illness or accidental injuries in a foreign land will be covered. If there are any medical evacuation expenses, then Bajaj Allianz travel insurance has got you covered under this plan. The evacuation can only be to India and the insured should have relevant medical approval from the concerned doctor.
3. Emergency Dental Aid- Whilst your overseas travel, getting emergency dental pain relief treatment can be troublesome, if you do not have travel insurance handy. This plan has got you covered against any dental emergency treatment of up to USD 500.
4. Repatriation Expenses- In case of the sudden demise of the insured traveller, his/her body would be transported to the home country and cost of repatriation would be borne by the travel insurer.
5. Checked Baggage Loss- Any loss or damage to your checked baggage is covered under this travel insurance plan.
6. Accidental Death or Disability via Common Carrier- The policy would cover the event of death or total disability of the policyholder while travelling in a common carrier including train, flight, bus or tram.
7. Loss of Passport- The cost of acquiring a duplicate copy is assured, in case it is reported to the local police authorities within 24 hours of the event.
8. Trip Curtailment/ Delay/ Cancellation- You would be indemnified for only one delay/cancellation or curtailment in your entire trip. This is valid only when you are travelling to India or flying from India. The insured would be covered for any loss arising due to cancellation or curtailment of hotel accommodation or/and any additional travel expenses in lieu of delay from airline’s end or any other emergency.
9. Personal Liability Cover- Any accidental loss/injury or property damage caused by the insured traveller to any third party whilst his overseas trip is covered under this Bajaj Allianz travel insurance plan.
10. Hijack Risk- Any attempt of hijack or detention of the aircraft, while you are travelling abroad, would be covered as per the sum assured in the travel insurance plan.
11. Hospitalization Expenses- It would provide you with a daily hospitalization allowance, as permissible under the medical section of the travel insurance plan.
12. Delay in Arrival of Checked Baggage- This would cover any expense incurred while buying new possessions and additional hotel accommodation. However, the delay should be of more than 12 hours.
13. House Burglary Cover- It insures you against any loss or damage due to an attempt of a burglary at your home. This is valid only during the policy tenure and if it takes place whilst you were travelling abroad.
14. Emergency Cash Assistance- If there is an event of theft or stealing due to which your entire cash is lapped up, then this plan would be your saviour.
15. Flight Delay- In case the flight is delayed beyond 12 hours and the insured person misses the connecting flight due to that delay, then it would be reimbursed by Bajaj Allianz Travel Insurance as per this plan.
16. Personal Accident Cover- Any accidental injury, death or dismemberment, which takes place while commuting to the airport before the departure, or commuting to home post arrival, would also be covered.
17. Bounced Hotel Booking- In case you are not able to avail the hotel accommodation, which you reserved for yourself, due to an emergency or denial from their end, then the cost of upgradation or acquiring new one would be covered.
18. Golfer’s Hole-in-one- Cover extends a benefit for celebration on achieving a Golfers hole-in-one at any United States Golfers Association (USGA) recognized golf course anywhere in the world except India

The table below would take you through the policy inclusions and sum assured in detail -

Exclusions under Bajaj Allianz Travel Prime Individual Plan

• If the proposer has any pre-existing medical ailments, complications or an ongoing treatment before the commencement of the trip, then these conditions will not be covered
• Any medical expenses before or after the policy period
• Any suicide attempt or self-inflicted injury under the influence of alcohol, drugs or any mental disorder involving depression or anxiety.
• Any routine check-up or medical tests to ascertain your health and lifestyle
• Any engagement in perilous occupations or illegal activity
• Pregnancy-related complications which may result in abortion, miscarriage or any other health risks
• Treatment apart from the allopathic system
• Purchase of eyeglasses, contact lenses, hearing aids, or related external devices for diagnosis or treatment
• Loss of passport due to confiscation or confinement by police or custom authorities
• Any loss or damage which is not officially reported to the concerned authorities or police within 24 hours of the incident
• If the proposer fails to take reasonable steps to avoid the loss of passport

1. Before the policy date –

   • As per the Bajaj Allianz Travel Prime Individual Plan, the insured person needs to send an email to request the cancellation of the policy
   • A Cancellation charge of Rs.250/- is attached to it 

2. If the insured person has not travelled after the commencement of the policy

   Your insurer would need the following documents from you on email -

   • A proof or authentication assuring that you have not travelled yet
   • A Complete scan of your passport
   •  Reasons for cancellation of your travel plans
   • If your visa is refused by the embassy, then you would need to share the visa rejection letter with the travel insurance company

   Your cancellation request would be processed within one working day after being approved by the underwriter.

3. If the insured person has travelled after the policy start date

   If you return to India before the expiry of the policy period, the insurance company would refund the amount on the basis of the rates mentioned in the table below.  Note that the policyholder should not have made any claim on the travel insurance policy, to avail this benefit.

Age Criteria - 

Entry age for the policyholder is 6 months to 60 years.

Policy Period -

The policy tenure is 180 days, which can be extended further.

Policy Extension Criteria –

To avail the travel extension benefits, the proposer needs to sign the Good Health Declaration form as given by Bajaj Allianz Travel Insurance Company. This can only be availed 7 days before the completion of the existing policy term.