Bajaj Allianz Overseas Travel Insurance

Any traveler traveling overseas must be between 6 months to 90+ years to buy the Bajaj Allianz travel insurance.

Bajaj Allianz has designed many travel insurance plans to cover wide range of travelers. Some of the key benefits of travel health insurance are as below. This benefits will vary depending on the plan chosen.

• Accident & Sickness Medical Expenses: The insurance company will indemnify the policy holder for the eligible medical and related expenses due to illness/injury outside India as per the policy terms and conditions. The expenses covered would include physician services, hospital and medical services and local emergency medical transportation.
• Medical Evacuation: Medical Evacuation to a hospital in the Republic Of India required as a result of Accidental Bodily Injury and/or Sickness and/or Disease occurring or having first manifested itself during an Insured Journey. The Medical Evacuation will have to be pre-approved by the Insurance Company/Claims Administrator of the Insurance Company.
• Repatriation of Remains: In case of death of the policy holder due to a covered reason, the cost of repatriating the policy holder's body back to India or to the nearest burial ground where the insured has died is paid by the insurance company. These claim should be pre-approved by the Insurance Company/Claims Administrator of the Insurance Company.
• Personal Accident: The insurance company pays the agreed amount as per the terms and conditions of the policy for policy holders death and /or permanent total disablement
• Baggage Loss: The insurance company will pay the policy holder as per the policy schedule for complete and permanent loss or destruction of the policy holder checked baggage.
• Baggage Delay: The insurance company will reimburse the policy holder for the amount specified in the policy schedule for emergency purchase of toiletries, medication and clothing to replace those contained in checked baggage, the arrival of which is delayed by more than the stipulated time beyond the time of the policy holder arrival at the intended destination outside of India.
• Personal Accident Cover in India: The insurance company will pay the amount specified in the policy schedule if the policy holder sustains accidental bodily injury during his/her travel intended from home to airport on the day of overseas departure from India and on day of his arrival back to India from overseas.
• Trip Delay: If the air craft on which the policy holder has booked his/her ticket/s to travel from Republic of India or travel to Republic of India, is delayed beyond stipulated time than the original scheduled departure time, the insurance company will pay the amount mentioned in the policy schedule as per the policy terms and conditions.
• Trip Cancellation: If policy holder's trip is cancelled due to death of any immediate family member or serious injury or sickness or any other valid reason. The insurance company will indemnify policy holder up to the limit shown in the policy schedule for loss of personal accommodation or travel charges paid or contracted to be paid by the policy holder, which are not recoverable from any other source, following the necessary and unavoidable cancellation of the trip prior to its commencement.
• Trip Curtailment: If policy holder's trip is curtailed (cut short by early return to India) due to death of any immediate family member or serious injury or sickness or any other valid reason. The insurance company will indemnify policy holder up to the limit shown in the policy schedule for loss of personal accommodation or travel charges paid or contracted to be paid by the policy holder, which are not recoverable from any other source, following the necessary and unavoidable curtailment of the trip.
• Missed Connection: if the air craft on which the policy holder is booked to travel from India is delayed beyond the stipulated time than the original scheduled arrival time at the destination of the connecting flight resulting in the policy holder missing the connecting flight, the insurance company will pay the sum mentioned in the policy schedule towards missed connection.
• Difference in airfare due to delayed or early return: Subject to all other terms and conditions of the policy, if the policy holder returns back to India before or after the scheduled date of return, due to illness or accident, because of which scheduled return flight is cancelled then the company will pay for the fare difference for economy class return ticket when the policy holder's original return ticket was issued at a reduced rate and with a fixed or limited return date, and such return date cannot be met due to the policy holder's illness or accident covered under the policy.
• Bounced Hotel: In case the policy holder not getting hotel services booked on confirmed basis with the suppliers, the policy holder would be reimbursed as per the policy terms and conditions by the insurance company the cost of expenses relating to transportation to the alternative hotel, cost of up gradation to a superior class of hotel if required

Yes, you can renew the policy online. You can fill the online renewal form. Once we receive the filled renewal form, it will forwarded to the Bajaj Allianz head office for approval. We will update the customer on the approval or rejection as early as possible to maximum 1 business day. Approval of renewal is based on good health and no claims declaration.

If you need to make a claim, all you need to do is to get in touch with the assistance service provider by phone or email. You can call the toll free number in India 1800 209 5858 or give a missed call on +91 124 6174720 the Global Travel Helpline number who will then call back to you.

Claim is registered. Once claim is registered, you need to provide the necessary details of the policy holder and supporting documents in order to process your claim. If the assistance service provider needs more information than what you have submitted s/he may get in touch with you via email/phone.

Once the assistance service provider is satisfied with all the documents you have submitted, then they will be let you know in the shortest possible time about your claims approval or denial. If approved, the assistance service provider will provide Guarantee of Payment so that you can avail cashless claim after deductible.

Suppose if the assistance service provider cannot make your claim a cashless settlement, then you have to bear all the medical expenses from your pocket and produce necessary bills to claim for reimbursement. The claims reimbursement will be done as per the policy terms and conditions. In case your claim request is rejected, then you cannot make a claim and you have to bear all the expenses from your pocket.

Yes, initially the policy holder has to bear all the medical expenses from his/her pocket and later file for reimbursement. The insurance company will reimburse all eligible outpatient medical expenses after a standard deductible.

The Bajaj Allianz Assist card plan covers declared pre-existing medical conditions for a limited amount as per the terms and conditions of the policy. The details of coverage are as below

Age	Policy Maximum	Coverage for pre-existing medical conditions
up to 60 years	$50,000	$300 (deductible - $100)
up to 60 years	$200,000	$500 (deductible - $100)
up to 60 years	$500,000	$1,000 (deductible - $100)
61 years to 70 years	$50,000	$300 (deductible - $100)

Please call us at 080 41101026 for more information

Bajaj Allianz travel health insurance can be initially be purchased for a maximum of 6 months and later on can be renewed for another 6 months. Renewal is based on good health, no claims and approval from the head office.

Yes, after a standard deductible Bajaj Allianz travel health insurance provides cashless medical claims if the policy holder stays for more than 24 hours in the hospital. In insurance company do a reimbursement of claims wherever cashless claims is not possible. The claims are settled as per terms and conditions of the policy schedule.

The general exclusions of the Bajaj Allianz travel insurance are as follows

• Traveling against the advice of the physician.
• Traveling overseas for the purpose of obtaining treatment
• Any pre-existing condition or any complication arising from it unless mentioned in the policy schedule.
• Any willful, malicious, criminal or unlawful act, error, or omission.
• Does not cover risks directly or indirectly associated with travel in, to, or through Pakistan, Afghanistan, Iraq, Yemen, Syria, Democratic Republic of Congo, Chad, N Korea, Maldives, similar terror and politically disturbed countries.
• Adventure sports and professional sports.
• War and many more.

Bajaj Allianz travel insurance is very popular in India. Bajaj Allianz general insurance is one of the most reputed general insurance companies in India, and its travel insurance product is one of the best Indian travel insurance products available. Bajaj Allianz travel insurance offers overseas travel insurance for Indians worldwide with coverage for medical expenses rising out of sickness or accidents while outside India. Travelers can get cashless benefits for hospitalization.

You can renew the Bajaj Allianz policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Yes you can extend your travel insurance while being abroad. Fill the Bajaj Allianz insurance policy renewal form so that our insurance advisors will help you to renew your policy. Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office.