Insurance

Travel Insurance

Whether you travel for business or pleasure, international travel involves risk. Medical treatment abroad can  be expensive & one never knows, when one would require it. Having to spend for medical bills in foreign currency can be an expensive proposition. There are other difficult situations also, that one might face like loss of passport or baggage. Bajaj Allianz's Travel companion is specially designed to help you adeal with such situations while overseas travel. 

 

  

What does this policy cover?

1. Personal Accident - covers death and permanent disablement.
2. Medical Expenses and repatriation - covers hospitalization expenses for accident or illness, including medical evacuation wherever necessary.
3. Loss of checked baggage - covers total and complete loss of  baggage checked in by an international airline.
4. Delay of checked baggage - covers cost of emergency purchase of replacement items.
5. Loss of passport - covers reasonable and necessary expenses to obtain a duplicate passport or a valid travel document.
6. Personal Liability - covers legal liability attaching in a private capacity during the course of overseas travel.
7. Hospitalization Allowance - covers daily allowance maximum for 30 days. Applicable only for Corporate Frequent Traveller Policy holders.

Exclusions

1. Policy does not cover pre-existing diseases & complications arising from them.   
2. Routine physical or other examination where there is no objective indication of impairment.
3. Medical expenses beyond the expiry of the Policy Period.
4. Suicide, attempted suicide or willfully self inflicted injury or illness mental disorder, anxiety stress of depression, venereal disease, alcoholism, drunkenness by abuse of drugs, HIV, AIDS.
5. Manual work or hazardous occupation,  self exposure to needless peril (expect in an attempt to save human life), or if engaging in any criminal or illegal act.
6. Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing.
7. Loss or damage to the Insured's passport as a result of the confiscation or detention by custom's, police or any other authority.
8. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
9. Loss caused by the Insured's failure to take reasonable steps to guard against the loss of the passport.

   
For Students travelling for studies

TUITION FEE

In the event of the insured unable to continue the school semester due to any  of the following reasons arising during the policy period, the company shall reimburse the tuition fee paid for the current semester schedule

1.     Serious medical condition of the insured requiring hospitalization covered under the policy.
2.     Death or serious injury requiring hospitalization of either of the parents of the insured.

ACCIDENT TO SPONSOR

In the event of the sponsor meeting with an accident during the policy period, which results in his death or permanent total disability during the policy period, the company shall reimburse the remaining school fee.

FAMILY VISIT

In the event of the insured become hospitalized as a result of an accidental injury or sickness covered under the policy and the attending physician advises the necessary attendance of a Family Member of the Insured, the Company will reimburse the travel cost for the visit. For this purpose, family  member shall mean spouse, parent, sibling and in laws. 

 

Study Companion

		Cover Standard USD Silver USD Gold USD Deductible USD     Medical Expenses 50,000 1,00,000 2,50,000 100     Personal Accident  25,000 10,000 20,000 NIL     Loss of Checked Baggage 1,000 500 500 NIL     Accident to Sponsor 25,000 10000 20,000 NIL     Personal liability 10,0000 50,0000 25,000 NIL

 Age : 16 years to 35 years        
       

PREMIUM INCLUDING SERVICE TAX AS APPLICABLE

		Duration Excluding USA/Canada Including USA/Canada  Standard Rs. Silver Rs. Gold Rs. Standard Rs. Silver Rs. Gold Rs. 30 days 2,776 1,399 1,499 4,266 1,799 2,299 60 days 4,226 2,199 1,899 3,599 2,999 6,666 90 days 5,966 3,249 2,699 9,546 5,899 4,799 120 days 7,766 4,594 3,599 12,485 7,199 5,999 180 days 11,366 6,999 5,999 18,366 11,999 9,999 240 days 22,732 7,998 10,998 23,932 22,999 22,999

Medical Expenses include

Accident & Sickness Medical Expenses (In Patient)
Accident Medical Expenses (Out Patient)
Sickness Medical Expenses (Out Patient) Limited to Max. period of first 90 days
Emergency Evacuation
Repatriation of remains
Assistance services