Bajaj Allianz travel companion insurance

Bajaj Allianz travel medical insurance products

• Bajaj Allianz - travel companion insurance coverages and benefits

  Coverages in USD	Travel Care	Travel Secure	Travel Value
  Medical Expenses, Evacuation and Repatriation	$50,000 Deductible:$100	$2,00,000 Deductible:$100	$5,00,000 Deductible:$100
  Emergency Dental Treatment	$500 Deductible:$100	$500 Deductible:$100	$500 Deductible:$100
  Personal Accident	$10,000***	$25,000***	$30,000***
  Loss of Passport	$250 Deductible:15	$250 Deductible:25	$250 Deductible:25
  Loss of Checked Baggage**	$250	$1000	$1000
  Delay of Baggage	$100 Deductible: 12hrs	$100 Deductible: 12hrs	$100 Deductible: 12hrs
  Trip Delay	-	$ 20 per 12 hrs to max $ 120 Deductible: 12hrs	$ 20 per 12 hrs to max $ 180 Deductible: 12hrs
  Personal Liability	$1,00,000 Deductible:100	$2,00,000 Deductible:100	$2,00,000 Deductible:100
  Hijack	$50 per day to max $300	$50 per day to max $300	$50 per day to max $300
  Emergency Cash Advance****	$500	$1000	$1500

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

• Exclusions applicable to travel policies

  1. Any medical condition or complication arising from it which existing before the commencement of the policy period, or for which care, treatment or advice was sought, recomended by or received from a physician.
  2. Routine physical or other examination where there is no objective indication of impairment of normal health.
  3. Medical expenses beyond the expiry of the policy period.
  4. Suicide, attempted sucide or wilfully self-inflicted injury or illness, mental disorder, anxiety / stress / depression / nervousness having no underlying physical illness as a cause; veneral disease, alcoholism, drunkenness or the abuse of drugs
  5. Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), or if engaging in an criminal or illegal act.
  6. Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
  7. Experimental, unproven or non-standard treatment.
  8. Treatment by another system other than modern medicine (also known as Allopathy).
  9. The cost of spectacles, contact lens and hearing aids, crutches and all other external appliances and / or devices whether for diagnosis or treatment.
  10. Delay of baggage when the intended destination is in India
  11. Loss or damage of the insureds passport as a result of the classification or detention by customs, police or any other authority.
  12. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
  13. Loss caused by the insured's failure to take reasonable steps to guard against the loss of the passport.