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How Bajaj Allianz Travel Prime Individual Plan Covers Your Overseas Travel?

Bajaj Allianz introduced Travel Prime Travel Insurance plan to meet the specific needs of the travelers in a personalized manner.  It covers all the accidental risks, medical exigencies, hospitalization expenses, and other uncertainties which may occur during a trip. This would cover any loss or damage, whether you are going for a business, leisure or educational trip.

Note that pilgrimages like Mansarovar Yatra, which may impose life-threatening risks, are not covered. Also, your travel to Afghanistan, Iran, Iraq, Pakistan, and countries like Congo in the African continent would be excluded because of predictable risks.

Ensure that you go through the policy inclusions and exclusions before the commencement of the trip. You can get your travel insurance policy only a month prior to your travel dates. In case, you want it before that, you shall have to contact the insurer and state a valid reason.

There are 5 types of travel insurance plans under the Travel Prime Plan

Based on your travel needs, you can choose a suitable plan. The sum assured varies in all the plans, as does the premium amount. The plans are as follows-

  1. Travel Prime Individual Silver Plan
  2. Travel Prime Individual Gold Plan
  3. Travel Prime Individual Platinum Plan
  4. Travel Prime Individual Super Platinum Plan
  5. Travel Prime Individual Maximum Plan

Coverage offered under Bajaj Allianz Travel Prime Individual Plan

  1. Personal Accident Cover- Any accidental or bodily injury leading to death or permanent dismemberment of the insured traveler.
  2. Medical Treatment and Evacuation Expenses- Any medical expense incurred on the treatment of a sudden illness or accidental injuries in a foreign land will be covered. If there are any medical evacuation expenses, then Bajaj Allianz travel insurance has got you covered under this plan. The evacuation can only be to India and the insured should have relevant medical approval from the concerned doctor.
  3. Emergency Dental Aid - Whilst your overseas travel, getting emergency dental pain relief treatment can be troublesome, if you do not have travel insurance handy. This plan has got you covered against any dental emergency treatment of up to USD 500.
  4. Repatriation Expenses- In case of sudden demise of the insured traveler, his/her body would be transported to the home country and cost of repatriation would be borne by the travel insurer.
  5. Checked Baggage Loss- Any loss or damage to your checked baggage is covered under this travel insurance plan.
  6. Accidental Death or Disability via Common Carrier - The policy would cover the event of death or total disability of the policyholder while travelling in a common carrier including train, flight, bus or tram.
  7. Loss of Passport – The cost of acquiring a duplicate copy is assured, in case it is reported to the local police authorities within 24 hours of the event.
  8. Trip Curtailment/ Delay/ Cancellation– You would be indemnified for only one delay/cancellation or curtailment in your entire trip. This is valid only when you are travelling to India or flying from India. The insured would be covered for any loss arising due to cancellation or curtailment of hotel accommodation or/and any additional travel expenses in lieu of delay from airline’s end or any other emergency.
  9. Personal Liability Cover - Any accidental loss/injury or property damage caused by the insured traveler to any third party whilst his overseas trip is covered under this Bajaj Allianz travel insurance plan.
  10. Hijack Risk - Any attempt of hijack or detention of the aircraft while you are travelling abroad would be covered as per the sum assured in the travel insurance plan.
  11. Hospitalization Expenses - It would provide you a daily hospitalization allowance, as permissible under the medical section of the travel insurance plan.
  12. Delay in Arrival of Checked Baggage - This would cover any expense incurred while buying new possessions and additional hotel accommodation. However, the delay should be of more than 12 hours.
  13. House Burglary Cover - It insures you against any loss or damage due to an attempt of burglary at your home. This is valid only during the policy tenure and if it takes place whilst you were travelling abroad.
  14. Emergency Cash Assistance - If there is an event of theft or stealing due to which your entire cash is lapped up, then this plan would be your savior.
  15. Flight Delay - In case the flight is delayed beyond 12 hours and the insured person misses the connecting flight due to that delay, then it would be reimbursed by Bajaj Allianz Travel Insurance as per this plan.
  16. Personal Accident Cover - Any accidental injury, death or dismemberment, which takes place while commuting to the airport before the departure, or commuting to home post arrival, would also be covered.
  17. Bounced Hotel Booking- In case you are not able to avail the hotel accommodation, which you reserved for yourself, due to any emergency or a denial from their end, then the cost of upgradation or acquiring new one would be covered.
  18. Golfer’s Hole-in-one: Cover extends a benefit for celebration on achieving a Golfers hole-in-one at any United States Golfers Association (USGA) recognized golf course anywhere in the world except India

The table below would take you through the policy inclusions and sum assured in detail -

Silver

Gold (USD)

Platinum (USD)

Super Platinum (USD)

Maximum (USD)

Deductible (USD)

 

Coverage

50,000 $

2,00,000 $

5,00,000 $

7,50,000 $

10,00,000 $

-

Personal Accident Cover

15,000 $

25,000 USD

25,000 USD

25,000 USD

25,000 USD

Nil

Expenses on Medical Treatment and Evacuation

50,000 $

200,000 USD

500,000 USD

750,000USD

1,000,000 USD

100 USD

Emergency Dental Care

500 $

500 $

500 $

500 $

500 $

100 $

Repatriation Expenses

5,000 $

5,000 $

5,000 $

6,000 $

6,500 $

Nil

Checked Baggage Loss ( 50% per baggage & 10% per item)

500 $

1,000 $

1,000 $

1,000 $

1,000 $

Nil

Accidental Death & Disability
(Common Carrier)

2,500 $

5,000 $

5,000 $

5,000 $

5,000 $

Nil

 Passport Loss

250 $

250 $

250 $

300 $

300 $

25 $

Personal Liability Cover

100,000 $

200,000 $

200,000 $

250,000 $

250,000 $

100 $

Hijack Risk

50- 300 $

60-360 $

60-360 $

60-360 $

60-360 $

     Nil

Trip Delay

25 $ per 12 hrs
to max 120 $

30 $ per 12 hrs
to max 180 $

30 $ per 12 hrs
to max 180 $

30 $ per 12 hrs
to max 180 $

30 $ per 12 hrs
to max 180 $

12 Hrs

Everyday Hospitalization Allowance

20-100 $

25-125 $

25-125 $

25-125 $

25-125 $

Nil

Golfer's Hole-in-one

250 $

500 $

500 $

500 $

500 $

Nil

Trip Cancellation

500 $

1,000 $

1,000 $

1,000 $

1,000 $

Nil

Trip Curtailment

200 $

300 $

500 $

500 $

500 $

Nil

Checked Baggage Delay

100 $

100 $

100 $

100 $

100 $

12 Hours

Home Burglary Risk ( In Indian Rupees)

INR 100,000

INR 200,000

INR 300,000

INR 300,000

INR 300,000

Nil

Emergency Cash

500 $

1,000 $

1,000 $

1,500 $

1,500 $

Nil

Missed Connecting Flight

100 $

100 $

100 $

100 $

100 $

12 Hours

Difference in Airfare due to delayed or early return

500 $

500 $

500 $

500 $

500 $

Nil

Bounced Hotel

500 $

500 $

500 $

500 $

500 $

Nil

Personal Accident  Cover in India ( In Indian Rupees)

INR 50,000

INR 50,000

INR 50,000

INR 50,000

INR 50,000

Nil


Exclusions under Bajaj Allianz Travel Prime Individual Plan

  • If the proposer has any pre-existing medical ailments, complications or an ongoing treatment before the commencement of the trip, then these conditions will not be covered
  • Any medical expenses before or the after the policy period
  • Any suicide attempt or self-inflicted injury under the influence of alcohol, drugs or any mental disorder involving depression or anxiety.
  • Any routine checkup or medical tests to ascertain your health and lifestyle
  • Any engagement in perilous occupations or illegal activity
  • Pregnancy-related complications which may result in abortion, miscarriage or any other health risks
  • Treatment apart from allopathic system
  • Purchase of eyeglasses, contact lenses, hearing aids, or related external devices for diagnosis or treatment
  • Loss of passport due to confiscation or confinement by police or custom authorities
  • Any loss or damage which is not officially reported to the concerned authorities or police within 24 hours of the incident
  • If the proposer fails to take reasonable steps to avoid the loss of passport

Cancellation Process is as follows -

1. Before the policy date –

  • As per the Bajaj Allianz Travel Prime Individual Plan, the insured person needs to send an email to request the cancellation of the policy
  • Cancellation charge of Rs.250/- is attached to it 

2. If the insured person has not traveled after the commencement of the policy

Your insurer would need the following documents from you on email -

  • A proof or authentication assuring that you have not travelled yet
  • Complete scan of your passport
  •  Reasons for cancellation of your travel plans
  • If your visa is refused by the embassy, then you would need to share the visa rejection letter with the travel insurance company

Your cancellation request would be processed within one working day after being approved by the underwriter.

3. If the insured person has traveled after the policy start date

If you return to India before the expiry of the policy period, the insurance company would refund the amount on the basis of the rates mentioned in the table below.  Note that the policyholder should not have made any claim on the travel insurance policy, to avail this benefit.

Period of Risk of Policy Period

Percentage of Premium

Above 50%

100

Between 40-50%

80

Between 30-40%

75

Between 20-30%

60

Policy initiation- 20% of Policy Period

50

 

Age Criteria -   

Entry age for policyholder is 6 months to 60 years.

Policy Period -

The policy tenure is 180 days, which can be extended further.

Policy Extension Criteria –

To avail the travel extension benefits, the proposer needs to sign the Good Health Declaration form as given by Bajaj Allianz Travel Insurance Company. This can only be availed 7 days before the completion of existing policy term.