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Bajaj student travel insurance Travel Insurance Claims Procedure by Bajaj Allianz

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bajaj-allianz Travel Insurance

Outpatient (OPD) Treatments under Bajaj Allianz’s Travel Insurance

Understanding Outpatient (OPD) Treatments

Outpatient (OPD) treatment refers to medical services provided to patients who do not require an overnight stay at a hospital or healthcare facility. These treatments typically involve consultations, diagnostic procedures, and minor medical interventions. OPD visits allow patients to receive care and return home on the same day, making it a convenient option for a variety of medical needs.
Common OPD services include:
  • Doctor consultations for general health concerns or specific medical conditions
  • Diagnostic tests such as blood tests, X-rays, and other screenings
  • Routine health check-ups for monitoring and maintaining overall wellness
  • Minor procedures like wound dressings or vaccinations
OPD treatments are ideal for managing everyday health issues, monitoring chronic conditions, and receiving preventive care, all without the need for hospitalization.
Under the Bajaj Allianz Travel Insurance plans, if the treatment cost is under USD $500, the insured traveler will need to pay for the treatment upfront and subsequently file a reimbursement claim upon returning to India. However, if the treatment cost exceeds USD $500, the Insurance company can assist in making direct payments to the healthcare provider on the patient’s behalf, provided that the medical condition is confirmed to be non-pre-existing. This is not a standard process but can be availed, if approved by the Insurer.
The Medical Assistance Team will engage with the treating physician to review your medical condition and if it is confirmed that treatment is not due to any pre-existing condition or any condition listed in the exclusion section of the policy, the insurance company will guarantee payments to the hospital and settle the costs directly with the healthcare provider, as a special case, subject to approvals.
The policy deductible, which is payable by the insured continues to be USD $100 even for OPD treatment.
For assistance or more information about the claims process, please reach out to our 24-hour Service Center in India at 1800-209-5858 or you can also email our claims department at bagichelp@bajajallianz.co.in for further support.

Are OPD treatments under $500 covered by my travel insurance?

Yes, all Outpatient (OPD) Treatments are covered under Travel Insurance policies. However as per the standard process, the insurance company doesn’t cover OPD Treatment with Cashless payments. The expenses incurred need to be paid upfront by the insured and claimed as a reimbursement on their return to India. Bajaj Allianz also offers a facility of Cashless payment provided the treatment expenses are over $500, and this is approved on a case to case basis.

Do OPD treatments over $500 require additional coverage under my travel insurance?

There is no Additional Coverage under the policy for OPD treatment. Most companies have a sublimit for OPD treatment which is part of the Overall Accident & Sickness Benefit under the policy. If the insured is covered for $50,000 under their plan, then the typical sublimit for OPD treatment will be around $5,000. So if the insured doesn’t get hospitalised, then they can pay the medical facility, retain all the original receipts and medical records and submit the same on their return to India for reimbursement.

How can I extend or renew my Bajaj Allianz student insurance while outside India?

Indian students who are studying outside India and want to extend or renew Bajaj Allianz student insurance online due to various reasons. These students can complete the Bajaj Allianz international student travel insurance renewal request form online and we can try to get an approval for you.

ONLINE RENEWAL

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Bajaj Allianz Citation

Mr. Anshul Nijhawan, Head Travel Services at Bajaj Allianz says NRIOL and bajaj allianz have been working together for quite sometime now and NRIOL has successfully delivered seamless customer service by making available bajaj allianz travel insurance products to its customers online".