Bharti AXA SmartTraveller Travel Insurance Plan

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Bharti AXA SmartTraveller Travel Insurance Plan Review

Bharti AXA Smart Traveller is a travel insurance plan that offers global coverage for students, individuals, families and frequent travellers.


Key Features of Bharti AXA SmartTraveller

  • One Company for end to end handling
  • Quick Online purchase
  • Toll free number for claims assistance from any part of the globe
  • Affordable Travel plans for different consumer segments


What does Bharti AXA SmartTraveller Plan cover?

  • Medical Expenses inclusive of Repatriation and Emergency Medical Evacuation
  • Dental Care Expenses
  • Personal Accident
  • Accidental Death & Permanent Total Disablement - Common Carrier
  • Daily Allowance in case of Hospitalisation
  • Compassionate Visit
  • Loss of Passport, traveller’s cheques, traveling tickets/documents
  • Delay or Total Loss of checked-in baggage
  • Trip Delay
  • Trip cancellation & interruption
  • Missed Connection
  • Personal Liability
  • Financial Emergency Assistance
  • Hijack Distress Allowance
  • Home Fire & Insurance Contents
  • Loss of Deposit or cancellation
  • Overbooked Flight
  • Bail Bond
  • Legal Expenses
  • Emergency Accommodation 


Bharti AXA SmartTraveller Variants

The variants offered by Smart Traveller Insurance policy are:
  • Schengen Products
  • Non-Schengen Products
  • Annual Multi-trip Products
Schengen products:
No of days Plans available
Minimum 2 1.SmartTraveller Schengen Silver
2.SmartTraveller Schengen Gold
3.SmartTraveller Schengen Platinum
Maximum 356

Non-Schengen products:
No of days Plans available
Minimum 2 1.SmartTraveller Gold,
2.SmartTraveller Silver,
3.SmartTraveller Essential,
4.SmartTraveller Regular and
5.SmartTraveller Basic
Maximum 356

Annual Multi Trip products:
No of days Plans available
Minimum 2 1. Smart Traveller Multi-trip silver
2. Smart Traveller Multi-trip Gold 
3. Smart Traveller Multi-trip Platinum
Maximum 356
 

Bharti AXA SmartTraveller Eligibility Criteria

  Minimum Maximum
Sum Assured (in USD $) 50,000 5,00,000
Policy Term 2 days 365 days
Entry Age – Non-Schengen products  03 months 85 years
Entry Age –Schengen products 03 months 60 years
Entry Age – Annual Multi-trip 03 months 70 years
 
  • Policy can be issued to an individual and/or family as a Family Floater which includes Insured, spouse and 2 dependent children below 23 years of age.
  • All Citizens of India and permanent residents of India as well as emigrants or foreigners who are holding an employment pass, dependant pass or work permit and residing in India

 
Bharti AXA SmartTraveller Variants (Plan wise benefits)

Schengen products:

Bharti Axa Smart Traveller - Schengen


Non-Schengen Products:

Bharti Axa Smart Traveller Non Schengen


Annual Multi Trip products:


Bharti Axa Smart Traveller Multi Trip
 

Exclusions in Bharti AXA SmartTraveller


1. Medical Expenses (inclusive of Repatriation and Emergency Medical Evacuation)
  • Daily Allowance in case of hospitalization
  • Compassionate Visit benefits
  • Routine examinations
  • Expenses for rest or recuperation at spa/ health resort/ sanatorium
  • Pregnancy (including childbirth, miscarriage, abortion or related complications
  • Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or plastic surgery)
2. Cosmetic surgery, it’s medically necessary as part of treatment for accidents and burns whilst being abroad.

3. Suicide attempted or wilfully self-inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of drugs, or any loss arising, directly or indirectly, from any injury, illness, death, loss, expense, or other liability attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation thereof however caused.

4. Treatment which could be reasonably delayed until the Insured’s return to India, which will be decided jointly by the treating Physician and the Emergency Assistance Service Provider and shall be in agreement with accepted standards of medical care.

5. The Insured taking part in naval, military or air force operations; war and nuclear perils

6. Insured engaging in air travel unless he or she flies as a Fare Paying passenger in an aircraft licensed to carry passengers.

7. Winter sports, such as mountaineering and such other professional sports or any other hazardous or potentially dangerous sport for which the Insured members are adequately trained, physically fit and using proper equipment and that too only if specifically agreed and mentioned in the policy schedule.

8. Hazardous occupation, or if engaged in any criminal or illegal act

9. Medical Expenses in respect of Experimental, investigational or unproven treatments or treatments which are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or treatment which is a result or a consequence of undergoing such experimental or unproven treatment. 

10. Naturopathy treatment. 

11. Non Allopathic treatment e.g. - Ayurvedic, Yogic, Homeopathic, Unani treatment(s).


Claim Process for Bharti AXA SmartTraveller Plan

In case of claim, contact on the given numbers:
Canada (Toll-Free) 844-691-8883
USA (Toll-Free) 844-691-8885
Rest of the world (Call back number) +91 11 47324403

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