Bajaj Allianz Travel Companion Plan

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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.

Key features of Bajaj Allianz Travel Companion Insurance Plan

Complete medical expenses coverage
Cover against loss and delay in Checked-in baggage
Cashless Service
Cover against Legal Personal Liability
Emergency Cash Advance

Bajaj Allianz Travel Companion Insurance Policy Details

Detailed Benefits of each plan option are mentioned below.

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

What are the Exclusions in the Bajaj Allianz Travel Insurance Plans?

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.

Bajaj Allianz Travel Insurance Claims 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)	Claim Form (to be signed by the Treating Doctor & You) and with the Claims Reference Number ROMIF 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.	Contact Assistance Department at the number given, obtain a Claim form from them and fill it in. It is necessary to obtain the attending physician's signature on the Form. Collect all bills/Receipts & Invoices Submit all documents to the address mentioned on the policy schedule
Loss of Baggage	Signed Claim Form Copies of boarding Pass/Ticket/Baggage Tags Copies of correspondence with the Airline authorities/others certifying the delay PIR Report (to be obtained from the airline authorities) Details of compensation received from Airlines/other authorities Bills and receipts of purchase of emergency toiletries and medicines	Obtain confirmation of the delay from the airline. Claim Form can be obtained from Assistance Department Fill in the Claim Form and submit all documents to the address mentioned on the policy schedule
Delay of Baggage	Signed Claim Form Copies of boarding Pass/Ticket/Baggage Tags Copies of correspondence with the Airline authorities/others certifying the delay PIR Report (to be obtained from the airline authorities) Details of compensation received from Airlines/other authorities Bills and receipts of purchase of emergency toiletries and medicines	Obtain confirmation of the delay from the airline. Claim form can be obtained from our Assistance Department Fill in the Claim Form and submit all documents to the address mentioned on the policy schedule
Loss of Passport	Copy of new passport Copy of previous passport (if available) Copy of return tickets Proof of complaint to the local police Details of expenses incurred in obtaining fresh passport	File a complaint with the local police Contact the Indian Embassy, wherever necessary Submit all documents to the address mentioned on the policy schedule
Tuition Fees	Duly filled in claim form Copy of the receipt of payment of advance tuition fee Letter informing the school regarding the inability of the student to continue the semester duly acknowledged by the school. Discharge card of hospitalization along with detailed medical report and all investigation reports.	Obtain confirmation of inability to attend school from the school authorities Claim form can be obtained from our Assistance Department Fill in the Claim form and submit all documents to the address mentioned in the policy schedule
Accident to Sponsor	Duly filled personal accident claim form. Copy of the death certificate of the deceased Death Summary from the hospital where last treated. Letter from the school authorities intimating about the balance tuition fee if any for the course. Any other documents if required will be informed by the claims department of Bajaj Allianz	Inform Bajaj Allianz Assistance Department regarding the incident Submit all documents to the address mentioned in the policy schedule
Family Visit	Duly filled Medical Sickness or Personal Accident claim form Certificate from the doctor treating the you mentioning the requirement of an attendant & reasons for the same Travel tickets in original along with the copy of the visa & passport	Inform Bajaj Allianz Assistance Department regarding your condition Obtain prior authorization that the travel of the family member will be covered Submit all documents to the address mentioned on the policy schedule
Personal Liability	Full statement of the facts in writing Witness statements Any other documents relevant to the incident, including Summons, Legal Notice, etc	Inform our Claims Dept. immediately (at the address given on the policy schedule below) giving full details of the incident. Do not commit any benefit / compensation or enter into an agreement.
Accidental Death & Disability	Our Claims Dept. will advise on documentation upon receipt of claim notification	Collect all documents pertaining to the loss including correspondence with carrier and submit all documents to the address mentioned on the policy schedule Claim Form can be obtained from our Assistance Department

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

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

Bajaj Allianz Travel Companion Plan Brochure

Bajaj Allianz Travel Companion Plan

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