Bajaj Allianz Travel Companion Plan
Bajaj Allianz Travel Companion for Overseas Travel has 3 options – for Individual, Family and Senior Citizens upto the age of 70.
It is a comprehensive plan with complete coverage for medical assistance when travelling abroad.
Complete medical expenses
Cashless Service
Emergency Cash Advance
Key Features
Mediacal plan
Complete medical expenses coverage
Others
Cover against loss and delay in Checked-in baggage
Cashless Service
Cover against Legal Personal Liability
Emergency Cash Advance
Benefits
For Individuals
|
Coverages
|
Travel Care
|
Secure
|
Value
|
|
Medical Expenses, Evacuation
& Repatriation
|
$50,000
|
$2,00,000
|
&5,00,000
|
|
Emergency dental pain relief
included in above cover
|
$500
|
$500
|
$500
|
|
Loss of Checked Baggage.
Per baggage maximum 50% and per item in the baggage 10%
|
$250
|
$1,000
|
$1,000
|
|
Delay of Baggage
|
$100
|
$100
|
$100
|
|
Personal Accident.
Only 50% of the Sum Assured in respect of the death of the insured person below the age of 18 years
|
$10,000
|
$25,000
|
$30,000
|
|
Loss of passport
|
$250
|
$250
|
$250
|
|
Personal Liability
|
$1,00,000
|
$2,00,000
|
$2,00,000
|
|
Hijack
|
$50/day
Max $300
|
$50/day
Max $300
|
$50/day
Max $300
|
|
Trip Delay
|
-
|
$20 per 12 hrs.
Max $120
|
$20 per 12 hrs.
Max $120
|
|
Emergency Cash Advance.
Cash advance would include delivery charges
|
$500
|
$1,000
|
$1,500
|
|
Golfer Hole-in-one
|
-
|
$250
|
$500
|
For Families
This plan option covers Self + Spouse (both till 60 years of age) + 2 Children. It operates as a Family Floater option where entire amount is shared by all.
|
Coverage
|
Benefits
|
|
Medical Expenses, Evacuation & Repatriation
|
$50,000
|
|
Emergency dental pain relief included in (I) above
|
$500
|
|
Loss of Baggage (Checked)
Per Baggage maximum 50 % and per item in the baggage 10 %. |
$250
|
|
Delay of Baggage
|
$100
|
|
Personal Accident
Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years |
$10,000
|
|
Delay of Baggage
|
$100
|
|
Loss of Passport
|
$150
|
|
Personal Liability
|
$2,000
|
For Senior Citizens
(61 to 70 years of age)
|
Coverages
|
Benefits
|
|
Medical Expenses, Evacuation and Repatriation
Any one illness - liability limited to US $12,500. Hospitalisation due to accident - max. liability -US $25,000. Overall max. liability under this head - US $ 50,000, aggregate during the policy period. |
$50,000
|
|
Emergency dental pain relief included in (I) above
|
$500
|
|
Loss of Baggage (Checked)
Per baggage maximum of 50% and per item in the baggage max 10%. |
$250
|
|
Delay of Baggage
|
$100
|
|
Personal Accident
|
$25,000
|
|
Loss of passport
|
$250
|
|
Personal Liability
|
1,00,000
|
|
Hijack
|
$ 50/day
Max $ 300 |
|
Trip Delay
|
-
|
|
Emergency Cash Advance
Cash advance would include delivery charges. |
$500
|
|
Golfer Hole-in-one
|
$250
|
Surrender Value
Refund of Premiums Paid
In case the policyholder returns earlier than the policy period expires, Bajaj Allianz Travel Insurance Plans offer a refund of premiums paid, subject to no claims being made. The schedule of premium return is as follows:
|
Period of Risk
|
Rate of Premium Retained by Company
|
|
Above 50% of Policy Period
|
100% of Premium
|
|
Between 40-50% of Policy Period
|
80% of Premium
|
|
Between 30-40% of Policy Period
|
75% of Premium
|
|
Between 20-30% of Policy Period
|
60% of Premium
|
|
Policy inception-20% of Policy Period
|
50% of Premium
|
Exclusions
- Any medical condition or complication arising from it which existed before the commencement of the Policy Period, or for which care, treatment or advice was sought, recommended by or received from a Physician.
- Routine physical or other examination where there is no objective indication of impairment of normal health.
- Medical expenses beyond the expiry of the Policy Period.
- Suicide, attempted suicide or wilfully self-inflicted injury or Illness, mental disorder, anxiety/stress / depression/nervousness having no underlying physical illness as a cause; venereal disease, alcoholism, drunkenness or the abuse of drugs.
- Manual work or hazardous occupation, self-exposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act.
- Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
- Experimental, unproven or non-standard treatment.
- Treatment by any other system other than modern medicine (also known as Allopathy).
- The cost of spectacles, contact lenses, and hearing aids, crutches, and all other external appliances and/or devices whether for diagnosis or treatment.
- Delay of baggage when the intended destination is in India
- Loss or damage to the Insured's passport as a result of the confiscation or detention by customs, police or any other authority.
- 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.
- Loss caused by the Insured's failure to take reasonable steps to guard against the loss of the passport.
FAQs
Whom should I contact for Claim Process in Bajaj Allianz Travel Insurance Plans?
Travel plans from Bajaj Allianz have a unique feature of Emergency Cash Advance. For any assistance and claims related issues call the following numbers when abroad.
|
Country
|
Country Code
|
Phone Number
|
|
USA
|
001
|
186658 76903
|
|
Canada
|
001
|
186691 43705
|
|
Austria
|
043
|
990+800 10002005
|
|
Belgium
|
032
|
|
|
Denmark
|
045
|
|
|
France
|
033
|
|
|
Germany
|
049
|
|
|
Hungary
|
036
|
|
|
Ireland
|
353
|
|
|
Italy
|
039
|
|
|
Malaysia
|
060
|
|
|
Netherlands
|
031
|
|
|
New Zealand
|
064
|
|
|
Norway
|
047
|
|
|
Philippines
|
063
|
|
|
Portugal
|
351
|
|
|
Spain
|
034
|
|
|
Sweden
|
046
|
|
|
Switzerland
|
041
|
|
|
UK
|
044
|
|
|
Finland (Carrier TS)
|
358
|
990+800 10002005
|
|
Finland (Carrier Elisa)
|
358
|
999+800 10002005
|
|
Hong Kong
|
852
|
001+800 10002005
|
|
Israel
|
972
|
014+800 10002005
|
|
Singapore
|
065
|
001+800 10002005
|
|
South Korea (Carrier Telecom)
|
082
|
001+800 10002005
|
|
South Korea (Carrier Dacom)
|
082
|
002+800 10002005
|
|
Thailand
|
066
|
001+800 10002005
|
|
Japan (Carrier Tele)
|
081
|
0041-010+800 10002005
|
|
Japan (Carrier IDC)
|
081
|
0061-010+800 10002005
|
|
Japan (Carrier NTT)
|
081
|
0033-010+800 10002005
|
|
Japan (Carrier KDD)
|
081
|
001-010+800 10002005
|
|
Australia
|
061
|
0011+800 10002005
|
Claim Process
It is important to notify Bajaj Allianz immediately before seeking Medical Assistance. Use the 24x7 assistance numbers:
- Phone - +91 20 30305858
- Fax - +91 20 30512207
- Email - travel@bajajallianz.co.in
For Hospitalisation
If you are admitted to a hospital after OPD consultation or otherwise please notify Bajaj Allianz immediately. The Insurance medical assistance department (doctor) will discuss your medical condition with the Treating doctor and if it is confirmed that the admission to a hospital is NOT due to any pre-existing conditions or any conditions listed in the exclusion list, then the Insurance Company shall guarantee payments to the hospital and settle the payments with the hospital.
Documents Required:
In order to expedite processing of the claim you must send the following documents immediately by fax to +91-20-30512207 or scan and email to us at travel@bajajallianz.co.in
- Completed Claim Form signed by the Treating Doctor and You
- Name, address and contact details of the Local / Family Medical Doctor in India
- Signed copy of the RELEASE OF MEDICAL INFORMATION FORM (ROMIF) to authorize your Treating Doctor and Local Medical Doctor in India to release your medical information to the Insurance Medical Assistance Department
- Treating Doctor's medical report
- Estimated medical expenses
- Date of Travel from India
- Details of domestic health Insurance policy, if any (Policy No, name and address of insurance company)
- Copy of passport with exit stamp from India and entry into overseas country
For Outpatient Treatment
For outpatient consultation, you will have to self-pay and file the claim upon return to India. However, if the amount is above USD 500 and you are facing difficulty in making payments due to shortage of cash on hand then Bajaj Allianz can arrange to make payments on behalf of you, provided the medical condition is confirmed to be non-pre-existing.
Documents Required:
The important documents required to file a claim is as follows:
- Claim Form (To be signed by the Treating Doctor and Insured) and with the Claims Reference Number.
- Doctor's medical report.
- Original admission/discharge card
- Original bills, receipts and prescriptions
- Original X-ray, pathological and investigative reports
- Copy of passport, visa with entry and exit stamp
Required Procedure to be followed
|
Type of Claim
|
Documents Required
|
Procedure
|
|
Medical Accident & Sickness Expenses (outside India)
|
|
|
|
Loss of Baggage
|
|
|
|
Delay of Baggage
|
|
|
|
Loss of Passport
|
|
|
|
Tuition Fees
|
|
|
|
Accident to Sponsor
|
|
|
|
Family Visit
|
|
|
|
Personal Liability
|
|
|
|
Accidental Death & Disability
|
|
|
