Given the high costs of healthcare around the world, Travel medical insurance is not a luxury but very much a necessity while traveling outside India. Overseas travel insurance coverage is in fact required as a mandate to get a visa while traveling to certain countries. For Example while traveling to any of the Schengen Countries the consulates insist on having travel insurance with minimum Euro 30,000.
However, in countries even where insurance is not mandatory for the visa travel insurance coverage is strongly advised. When compared to Indian health care the cost in most foreign nations is very much higher. Developed countries like the US, Japan and other European countries are known for their expensive health care costs. Medical bills can easily exceed thousands of dollars even for minor injuries. Given this scenario it is prudent for travelers to buy overseas travel insurance before leaving their home countries. Along with medical coverage, travel insurance plans also provide coverage for baggage loss, baggage delay, loss of passport etc.
Bajaj Allianz travel insurance can be purchased at any time before leaving India
In case of inpatient hospitalization medical expenses the insured or their close ones should intimate the insurance company and give policy details. Insurance company will speak to the hospital and arrange for direct billing. In the event of outpatient medical, the claims procedure varies depending on the plan chosen. For the Travel companion plan, for all expenses incurred the medical bills have to be paid upfront by the insured and the later claimed from the insurance company for reimbursement by producing required documents. In the case of the Travel Elite plan, all expenses greater than $500/- are directly paid to the hospital, while in the case of the travel assist plan, all expenses for outpatient services are directly billed to Bajaj Allianz and there is no need for the customer to pay for the bill.
When the insurance application and the payment is completed online, you will immediately get a confirmation email along with insurance details. You will then get a policy document in the PDF format by email (within a few hours and at most within one working day). The policy document will have your name, policy number, insurance company's contact information such as the toll-free telephone number and the address where claims should be submitted.
It is very simple to purchase insurance online. Click on the 'Buy' to get relevant online application and complete it with required details. The premium payment can be completed by using a credit/debit card. An email acknowledgment will be received after the premium payment and the policy will be emailed within 1 business days. The coverage will start from the start date as indicated on the form.
Yes, it is possible in theory that you buy the plan only for a partial portion of the entire stay. However the main purpose of buying insurance is to get coverage in case of an unexpected medical emergency. Buying insurance for part of their stay will not help in the event of an emergency during the uninsured period.
30 continuous days from the the start date requested is called a month and it can include partial calendar months.
The minimum duration varies for different insurance plans. It is typically for as little as five days.
You can get the information by calling the toll free number provided in the insurance policy.
All the information required to complete the application is available in the applicants passport. The main data elements are the applicants complete name, passport number, date of birth, mailing address and telephone number in India, the assignees (the beneficiary for the policy in the event of death or dismemberment of the traveler) and the correct travel dates.
Deductible is the amount that the traveler has to pay from his/her pocket and the remaining will be paid by the Insurance Company. For example - if the deductible is $100 then then you have to pay that and rest of the amount will be paid by the Insurance Company.
Bajaj Allianz travel insurance policy covers the insured for medical expenses incurred during travelers' overseas visit. The terms and conditions of travel insurance coverage is available in the plan brochure.
Yes, there is a plan under Bajaj Allianz travel insurance called as 'Assist Card' which is fully cashless for both Outpatient and Inpatient medical expenses. There is a deductible of $100 per sickness under both the plan and the insured has to bear this before insurance company pays.
There is another plan under Bajaj Allianz travel insurance called as "Travel Elite" where the inpatient medical expenses is cashless after the deductible of $100 and cashless for outpatient medical expenses if the bill is more than $500.
Travelers can use credit card (Indian/international) and Indian debit cards to buy Bajaj Allianz travel insurance. Travelers can also use a cheque to buy Bajaj Allianz travel insurance policy.
Yes, There is a customized plan under Bajaj Allianz travel insurance called as "Assist Card" which covers for pre-existing conditions for a limited amount depending on the plan you purchase.
However other plans Bajaj Allianz travel Elite and Bajaj Allianz travel companion do not cover for pre-existing illness/diseases.
Yes, you can buy Bajaj Allianz Travel Insurance plan for your parents and relatives using international debit or credit cards. The email copy of the policy is a valid legal document and proof of your insurance cover.
The plan can be renewed online by filling a form before 7-10 days of the expiry of coverage. We will get an approval from the head office for an extension of the policy within couple of hours or 24 hours max. Travelers can initially buy the policy for 180 days and renew the same plan for another 180 days. Similarly students can buy the policy for one year and later renew the policy for the one more year.
Yes, when there is early return you will get refund.
The procedure to cancel Bajaj Allianz travel and student policy can be viewed at Bajaj Allianz Travel Cancellation Procedure
No, there is no network of hospitals, the insured is free to visit any hospital or doctor.
No Bajaj travel medical policies will not cover for preventative care or regular medical checkups.
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