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Bajaj Allianz Travel Elite Plan

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Bajaj Allianz Travel Elite Plan
 
Bajaj Allianz Travel Elite for Overseas Travel is a comprehensive and customised travel insurance option with options for covering Senior Citizens till the age of 75 years.
 
 
Key features of Bajaj Allianz Travel Elite 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
  • Trip Cancellation Cover
  • Home Burglary Cover
 
 
Bajaj Allianz Travel Elite Insurance Policy Details
 
Detailed Benefits of each plan option are mentioned below.
 
For Individuals

 

Coverages
Silver
Gold
Platinum
Medical Expenses, Evacuation
& Repatriation
$50,000
$2,00,000
$5,00,000
Emergency dental pain relief
included in (I) above
$500
$500
$500
Personal Accident
Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years
$15,000
$25,000
$25,000
AD & D Common Carrier
$2,500
$5,000
$5000
Delay of Baggage
$100
$100
$100
Loss of Checked Baggage
Per Baggage maximum 50 % and per item in the baggage 10 %.
$500
$1,000
$1,000
Hijack
$50/day
Max $ 300
$60/day
Max $ 360
$60/day
Max $ 360
Trip Delay
$20 per 12 hrs
Max $120
$30 per 12 hrs
Max $180
$ 30 per 12 hrs
Max $180
Personal Liability
$1,00,000
$2,00,000
$2,00,000
Golfer Hole-in-one
$250
$500
$500
Trip Cancellation
$500
$1,000
$1,000
Home Burglary Insurance
Rs.1, 00,000
Rs.2, 00,000
Rs.3, 00,000
Trip Curtailment
$200
$300
$500
Hospitalization Daily Allowance
$25/day
Max $100
$25/day
Max $125
$25/day
Max $150
Loss of Passport
$250
$250
$250
 
 
For Families
This plan option covers Self + Spouse (both till 60 years of age) + 2 Children (under 21 years of age). It operates as a Family Floater option where entire amount is shared by all.

 

Coverages
Benefits
Medical Expenses, Evacuation & Repatriation
$50000
Emergency dental pain relief included in (I) above
$500
Personal Accident
Note: Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years
$10,000
AD & D Common Carrier
$2,500
Loss of Checked Baggage
Note: Per Baggage maximum 50 % and per item in the baggage 10 %.
$250
Delay of Baggage
$100
Loss of Passport
$250
Hijack
$50/day
 Max$ 300
Trip Delay
$20 per 12 hrs
Max $120
Personal Liability
$1,00,000
Emergency Cash Advance
Note: Cash Advance Would include delivery charges
$500
Golfer's Hole-in-one
$250
Trip Cancellation
$500
Home Burglary Insurance
Rs.1, 00,000
 
 
For Senior Citizens (61 to 70 years of age)
 This is a plan for Senior Citizens from 61 to 70 years of age and international travel duration extending upto 180 days

 

Coverages
Silver
Gold
Platinum
Medical Expenses, Evacuation
& Repatriation
$50,000
$2,00,000
$5,00,000
Emergency Dental Pain Relief
included in (I) above.
$500
$500
$500
Personal Accident
$15,000
$25,000
$25,000
AD &D Common Carrier
$2,500
$5,000
$5,000
Loss of Baggage (Checked)
Note: Per Baggage maximum 50 % & per item in the baggage 10 %.
$500
$1,000
$1,000
Delay of Baggage
$100
$100
$100
Loss of Passport
$250
$250
$250
Hijack
$50/day
Max $300
$60/day
Max $360
$60/day
Max $360
Trip Delay
$20 per 12 hrs
Max $ 120
$30 per 12 hrs
Max $ 180
$30 per 12 hrs
Max $ 180
Personal Liability
$1,00,000
$2,00,000
$2,00,000
Emergency Cash Advance
Note: Cash Advance Would include delivery charges
$500
$1,000
$1,000
Golfer Hole-in-one
$250
$500
$500
Trip Cancellation
$500
$1,000
$1,000
Home Burglary Insurance
Rs.1, 00,000
Rs.2, 00,000
Rs.3, 00,000
Trip Curtailment
$200
$300
$500
Hospitalization Daily Allowance
$25/
Max $100
$25/day
Max $125
$25/day
Max $150
Special Conditions (limit of liability)
 
 
 
Any one illness
$12,500
$15,000
$17,500
Any one accident
$25,000
$30,000
$35,000
 
 
For Senior Citizens (71 to 75 years of age)
 This is a plan for Senior Citizens from 71 to 75 years of age.

 

Coverages
Benefit
Medical Expenses, Evacuation & Repatriation
$50,000
Emergency dental pain relief included in (I) above
$500
Personal Accident
Note: Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years
$10,000
AD & D Common Carrier
$1,500
Loss of Checked Baggage
Note:Per Baggage maximum 50 % and per item in the baggage 10 %.
$500
Delay of Baggage
$100
Loss of Passport
$250
Hijack
$50/daymax.$300
Trip Delay
$20 per 12hrs. to max.$120
Personal Liability
$100,000
Emergency Cash Advance
Note: Cash Advance would include delivery charges.
$500
Golfer's Hole-in-one
$250
Trip Cancellation
$500
Home Burglary Insurance
Rs.1,00,000
Trip Curtailment
$200
Hospitalization Daily Advance
$25 per day to max. $100
Special conditions
 
Any one illness
$10,000
Any one accident
$20,000
 
 
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:
 
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
  • Bajaj Allianz 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
                                  

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