Niva Bupa Travel Infinity Policy

Why Niva Bupa Travel Infinity Policy?

The Niva Bupa Travel Infinity policy comes with a wide range of customisable benefits, letting you tailor the coverage to your specific travel needs. Offered by the Niva Bupa Health Insurance Co. Ltd., this plan is custom made for Indians going abroad for higher education. Here's why this policy is so great for international students:

• Flexibility: You can choose from a variety of benefits and select the ones that are most relevant to your trip and risk tolerance.
• Comprehensive Coverage: From emergency medical treatment and dental care to baggage loss and trip cancellations, the policy offers protection against many travel-related issues.
• Specific Needs: There are niche coverages like hijack daily allowance, loss of international driving license, and sports equipment cover, which means you can find coverage for less common travel concerns.

By offering such a broad selection of benefits, the Niva Bupa Travel Infinity policy ensures that you can create a safety net that truly fits your individual travel plans.

Niva Bupa Travel Infinity Policy: Benefits at a Glance

This Niva Bupa travel insurance plan comes in varying sums insured to suit every student's budget. The policy offers a wide array of customisable benefits, with different sum insured options and conditions. Here is a list of most popular benefits that you can include in your plan:

Keep in mind that this is not an exhaustive list, and there may be other benefits and variations available.

Niva Bupa Travel Infinity Policy Eligibility Criteria

This Niva Bupa Travel Inifnity policy specifies eligibility criteria related to age and health. Here's a breakdown:

Please note that certain benefits, like maternity and newborn baby cover, complete PED cover and cancer screening etc., are available only for those travelling overseas on a student visa for full-time education with a policy term equal to or more than 12 months.

Niva Bupa Travel Infinity Policy Inclusions

The Niva Bupa Travel Infinity policy includes a variety of benefits suitable for Indians going abroad. Here's a list of some key inclusions:

• Emergency Medical Treatment: The policy will cover expenses if you're hospitalised for over 24 hours due to an emergency. This option also covers expenses for critical outpatient treatment that can't wait until you return to India.
• Medical Evacuation: If the hospital you're admitted to can't provide satisfactory medical services, this covers transportation expenses to another hospital.
• Personal Accident: The policy provides a payout if an accident during the policy period causes death or disability. Felonious assaults are also covered.
• Repatriation of Mortal Remains: In the event of death during the risk period, this covers the cost of transporting the insured's remains to their permanent residence or for a cremation in the city/country where the death occurred.
• Total Loss of Checked-in Baggage: If a common carrier permanently loses your checked-in baggage, the policy pays a pro-rated amount.
• Trip Cancellation: If you have to cancel your trip before starting due to specific reasons such as the death or hospitalisation of a family member, natural disaster, or loss of passport, the policy covers costs you've already paid for travel tickets and accommodation.
• Trip Interruption: If you have to return home early due to reasons like a family emergency or natural disaster, this covers additional travel and unused accommodation costs.
• Loss of Passport: Covers expenses for obtaining a duplicate or fresh passport if you lose yours while on the trip.
• Personal Liability: Covers costs if you're legally liable for unintentional injury, property damage, or death caused during your travel.
• Hijack Daily Allowance: If the aircraft you're travelling in is hijacked, this provides a daily allowance for the duration of the interruption.
• Emergency Trip Extension: If your trip is extended due to specific reasons like death or hospitalisation, this extends the period of insurance.
• Mugging Benefit: Pays a lump sum if you're mugged in a public place.
• Emergency Accommodation Coverage: Reimburses additional accommodation costs if you cannot stay in your originally booked accommodation due to events like fire, flood, or a government-declared lockdown.
• Flight Delay: Covers expenses incurred on any alternate travel booking due to flight delays caused by inclement weather, strikes, riots, etc.

Niva Bupa Travel Infinity Policy Exclusions

Here are some general exclusions from the Niva Bupa Travel Infinity policy, so that you are aware of situations not covered by your policy:

• War and terrorism: The policy does not cover any claims that result from war, acts of terrorism, or nuclear/radiological events.
• Military operations: Any participation in naval, military, or air force operations are not be covered.
• Breaking the law: Injuries or illnesses resulting from breaking the law with criminal intent are excluded.
• Weight control programs: Obesity treatment or weight control programs are not covered.
• Maternity expenses: Childbirth, miscarriages (unless due to an accident), and termination of pregnancy are not covered unless expressly stated in the policy.
• Unproven treatments: Treatments lacking sufficient medical documentation to support their effectiveness are excluded.
• Eyeglasses and hearing aids: The provision or fitting of hearing aids, spectacles, or contact lenses is not covered.
• Non-prescription drugs: Over-the-counter drugs or treatments are not covered.
• Travelling against medical advice: Claims are not covered if the insured is travelling against the advice of a doctor or is on a waiting list for specific medical treatment.
• Insolvency of service providers (overseas): Claims resulting from the insolvency of a tour operator, travel agent, or airline are not covered.

Niva Bupa Travel Infinity Policy Claim Procedure

In case of an emergency that requires you to raise a claim, you can do so by contacting Policybazaar.com or directly reaching out to the insurer. You should keep the following in mind:

• Notify the insurer or their Assistance Company of any event that may lead to a claim within 7 days of the event.
• Prepare the required documents to support your claim. These typically include a filled and signed claim form, KYC documents, original final hospital bills, medical records, case histories, investigation reports, MLC/First Information Report (FIR) in accident cases and any other document as required by the insurer to assist the claim
• Submit all documents within 30 days from discharge.
• The insurer will process the claim after receiving all required documents and information.

The company will settle or reject a claim within 30 days of receiving the last necessary document.