Niva Bupa TravelAssure Travel Insurance

Why Niva Bupa TravelAssure Travel Insurance?

Offered by the Niva Bupa Health Insurance Company Limited, this Niva Bupa TravelAssure is designed to cover you on your international journey. Niva Bupa offers a range of plans to suit different needs, including options for single trips, multi-trips, and those travelling for studies. With Niva Bupa TravelAssure, you can get coverage for emergency medical treatment, dental care, personal accidents, and other unexpected events that may occur during your travels. You can also create your own plan by selecting the benefits you prefer.

Niva Bupa TravelAssure Travel Insurance Eligibility Criteria

You must meet the specific eligibility criteria to buy this Niva Bupa TravelAssure policy, particularly concerning age. Here's a breakdown:

• Minimum age of the Proposer: Must be 18 years old.
• Minimum age of Adults: Must be 18 years old.
• Minimum age of Children: Can be as young as 1 day old.
• Maximum age of Children: 25 years old.
• Maximum age of Adults: 80 years old.

For family plans, the policy allows a maximum of 6 members (up to 4 adults and 5 children). Eligible family members other than self include spouse, dependent children, parents, and parents-in-law.

Niva Bupa TravelAssure Travel Insurance Inclusions

Here are some of the key inclusions of the Niva Bupa TravelAssure policy that protect you in various ways when you’re abroad:

• Emergency Medical Care: Covers overseas hospitalisation expenses due to illness or injury. Hospitalisation of less than 24 hours will be treated as Day Care treatment.
• Pre-Existing Diseases: The policy covers pre-existing conditions up to a certain limit, in case of life-threatening medical conditions. You can get 100% coverage for pre-existing diseases under certain plans with add-ons.
• Medical Evacuation: This covers the cost of transporting you to a medical facility equipped to provide necessary services if your current location can not.
• Personal Accident: This Niva Bupa TravelAssure policy offers coverage for injury caused by an accidental event. If an accident causes conditions such as death or loss of limbs, a percentage of the sum insured is payable.
• Loss of Passport: If you lose your passport, the policy reimburses the expenses to get a fresh passport once you return to India.
• Emergency Trip Extension: If your trip is extended due to unforeseen circumstances like a death or hospitalisation, the policy period can be extended once for up to 7 days.
• Dental Treatment: The policy covers medical expenses for dental treatment.
• Repatriation of Mortal Remains: In the unfortunate event of death, the policy covers the cost of transporting mortal remains to the place of residence (in India) or for a cremation/burial ceremony in the foreign country.
• Bounced Booking- Hotel: If your confirmed bookings are not honoured due to overbooking, the policy reimburses the difference in cost between the original and alternate bookings.
• Trip Cancellation: The policy covers costs you've paid and can't recover if you have to cancel your trip due to reasons such as death, hospitalisation, or other covered reasons.
• Personal Liability: This Niva Bupa TravelAssure policy will cover liability for unintentional injury, property damage etc., caused during your travel.
• Hijack Daily Allowance: If the aircraft you're travelling in is hijacked and the journey is interrupted for over 12 hours, a daily allowance is paid.
• Study Interruption: In case you have to discontinue your planned studies, the policy reimburses semester fees and air tickets.
• Sponsor Protection: In case of death or permanent disability of your sponsor, the policy pays a lump sum for tuition fees and air tickets.
• Home-to-Home Cover: Extends coverage for in-patient, out-patient, and personal accidents up to 6 hours before scheduled departure from your home country and 6 hours after arrival back in your home country.

It is important to note that terms and conditions apply. For detailed information, always refer to the policy wording before buying any policy.

Niva Bupa TravelAssure Travel Insurance Exclusions

Here are the general exclusions under the Niva Bupa TravelAssure policy:

• The policy doesn't cover injuries or illnesses that result directly or indirectly from nuclear events, war, or acts of terrorism.
• Any participation in naval, military, or air force operations is not covered, whether it's exercises or actual combat.
• If an insured person is injured or requires treatment while committing a crime, those expenses won't be covered.
• The policy does not cover treatments for obesity or any weight control programs.
• Expenses for cosmetic or plastic surgery to change appearance aren't covered unless it's needed after an accident, burns, or cancer, or to remove an immediate health risk.
• The policy doesn't cover any treatments that lack significant medical documentation to prove they work.
• The policy does not cover the cost of hearing aids, spectacles, or contact lenses, including any related optometric therapy.
• If the insured travels against a doctor's advice or is waiting for specific medical treatment, related claims are not covered.
• Any claim resulting from suicide, attempted suicide, self-inflicted injuries, alcohol consumption, drug use, or substance abuse is excluded.
• The policy does not cover trips specifically planned for availing treatment of an existing medical condition.

Niva Bupa TravelAssure Travel Insurance Claim Procedure

If unfortunately you face a mishap and need to raise a claim, you can do so by directly contacting Policybazaar.com or the insurer directly. To raise a claim under this Niva Bupa TravelAssure policy, follow these steps:

• Inform Niva Bupa or Assistance Company: Notify them within 7 days of the event that leads to the claim.
• Submit Documents: Provide all necessary documents within 30 days. You must include a filled and signed claim form, KYC documents, original hospital bills, medical records, and other relevant documents based on the benefit claimed.
  In case of delays in submission, provide reasons in writing. The insurer can request additional documents or investigate hospital/medical records.
• Claims Payment: The insurer will review the claim after all documents are received. Payments will be made to the insured person in Indian Rupees. If the claim requires investigation, it will be completed within 30 days. Usually, the settlement can be expected within 45 days from receiving the necessary documents.