Bajaj Allianz Travel Ace Travel Insurance

Why Bajaj Allianz Travel Ace Travel Insurance?

If you have been considering a trip abroad, then this Bajaj Allianz Travel Ace policy can be your perfect travel companion. It has been carefully designed by Bajaj Allianz General Insurance Company Limited, a joint venture between Bajaj Finserv Limited and Allianz SE. Reputed for their global expertise with local experience, this policy provides much needed coverage for your journey outside of India.

The policy is available in different variants and you can choose from various available covers to customise the plan as per your needs. This Bajaj Allianz Travel Ace travel insurance protects you against a range of unexpected travel issues that may seriously affect your trip and budget. Some important benefits include coverage for medical emergencies, loss or damage to your personal belongings, trip and event cancellation, passport and DL loss, legal expenses and more.

Bajaj Allianz Travel Ace Travel Insurance Plan Variants

This Bajaj Allianz travel insurance policy offers several plan variants, each with different levels of coverage and sum insured amounts. Here are the different plan variants available under this Bajaj Allianz Travel Ace travel insurance plan:

• Travel Ace Standard
• Travel Ace Silver
• Travel Ace Gold
• Travel Ace Platinum
• Travel Ace Super Age
• Travel Ace Corporate Lite
• Travel Ace Corporate Plus

The maximum overall sum insured varies by plan. The deductible applicable depends on the age of the insured person. The table below compares these plans to help you understand some of the benefits and their sum insured amounts:

Please note that this table provides a summary; for the full terms & conditions, you should refer to the policy wording.

Bajaj Allianz Travel Ace Travel Insurance Eligibility Criteria

This Bajaj Allianz Travel Ace policy is available for Indians travelling abroad with eligible entry age limit of 1 day. No pre-policy medical health check-up is required, however, pre-existing conditions are generally not covered unless you purchase the optional coverage for an additional premium.

Bajaj Allianz Travel Ace Travel Insurance Inclusions

This Bajaj Allianz Travel Ace policy offers coverage for various events that can happen while you are travelling abroad. Here are some of the important inclusions available under this policy for Indians travelling abroad:

• Medical Expenses: The policy covers necessary expenses if you get sick or injured during your trip abroad. This includes costs for emergency medical care, emergency medical evacuation back to India, and repatriation.
• Emergency Dental Pain Relief: Provides coverage for necessary dental expenses overseas if you get a sudden, acute tooth pain.
• Personal Accident: You will be compensated if you get bodily injuries abroad that results in death or disability.
• Loss of Personal Belongings: You can be indemnified for the loss or damage of your personal belongings such as laptops, cameras, etc., due to theft or hold-up at an international airport.
• Trip Cancellation: If your trip is cancelled before it starts due to a sudden emergency, the policy covers certain non-refundable financial losses. This includes cancellation of hotel, pre-booked events, flight expenses, etc.
• Trip Interruption: If your trip is interrupted after departure due to events like serious injury, sickness, death, natural disaster, loss of passport, etc, the policy can compensate you for unrecoverable costs.
• Missed Connection: You will be compensated if you fail to board your connecting flight due to a delay of the previous flight caused by reasons beyond your control.
• Compassionate Visit: If you are hospitalised abroad and have no family or friend there to attend to you, then this policy can cover the travel cost for one family member/friend to visit you, if medically advised.
• Compassionate Stay: In case of your hospitalisation abroad, this policy can reimburse the actual cost of accommodation for one attending family member or friend. However this is only possible if their attendance is medically advised.
• Bounced Hotel: If your confirmed hotel stay is not available, the policy will reimburse you for transportation to an alternative hotel.

This policy also offer specific benefits for student plans, such as Cancer Screening and Mammography Cover, Maternity and Baby Cover, Contingency to Sponsor, and Bail Bond Insurance. Make sure to go through the policy wording to understand all the benefits available under this policy.

Bajaj Allianz Travel Ace Travel Insurance Exclusions

This Bajaj Allianz Travel Ace policy is not liable to make a payment for certain claims or situations. The policy will not cover you if your claim is related to any of the following:

• Travelling against Physician's Advice: If you are medically unfit to travel and your doctor has advised you against it.
• Medical Tourism: If you're travelling abroad specifically to get a medical treatment then it won't be covered.
• Taking part in Military Activities or Wars: This includes military exercises, war games, or actual fighting against an enemy, whether foreign or within the country.
• Events of War, Invasion or Civil Unrest: Any loss you face due to acts by a foreign enemy, hostilities, civil war, and civil unrest.
• Taking part in Strikes, Riots, or Civil Disturbances: Unless you are accidentally injured while not actively participating in such events, you won't be covered for losses related to these.
• Being Involved in Criminal/Illegal Act: Any claim you raise while you actively participated in unlawful acts won't be covered.
• Any Indirect Losses: These are losses that happen as a consequence of an insured event but are not the direct result.
• Travelling to Places with Travel Restrictions: This applies if India has placed general or special travel restrictions on the country you are travelling to. It also applies if that country has placed such restrictions on Indian citizens.

Bajaj Allianz Travel Ace Travel Insurance Claim Procedure

In case of a situation that requires you to raise a travel insurance claim, you can do so by contacting Policybazaar.com or the insurer at the provided helpline. If you wish to register your claim through Policybazaar, here's what you need to do:

Register Claim

You can get in touch with our claims support team in case of any emergency by clicking on the link which will be shared on your WhatsApp. You can also mail us at travelclaims@policybazaar.com or call us on 1800-258-5881.

Prepare Documents

Depending on your claim type, you will have to provide some documents. Here are some documents that you must provide:

• For Medical Claims: Claim forms, Original admission/discharge card, if applicable, Original Bills, Receipts, Prescriptions and Reports, Copy of passport/visa with entry & exit stamp, Personal ID Proof.
• For Baggage Loss: Claim forms, Property Irregularity Report (obtained from the Airline), Copies of correspondence with the airlines confirming the loss, Approximate cost of lost items, Copy of the passport/visa with entry & exit stamp, Personal ID Proof
• For Trip Cancellation: Claim forms, Medical reports of the insured, a companion or an immediate family member, Details of the amount refunded by the common carrier and Hotel, Copy of flight ticket, Copy of passport, Personal ID proof
• For Trip Delay: Claim forms, Original bills of expenses incurred during the period of delay, Copy of ticket & boarding Pass, Copies of Correspondence with the airline authorities certifying the delay, Copy of passport/visa with entry & exit stamp, Personal ID proof
• For Other Claims: Claim Forms, Copy of the passport/visa with entry & exit stamp, Personal ID Proof, Policy Copy, Original bills and receipts and complaint copies, etc.