Travel Insurance

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Travel Insurance

What Is Travel Insurance? Travel Insurance provides coverage against different type of emergencies like medical expenses (incl. repatriation & medical evacuation), delay of checked-in baggage or total loss of checked-in baggage, missed connection, financial emergency assistance etc. while you are travelling. Travel Insurance Policy is an essential piece of documentation that is required when you travel abroad and should be bought in advance to cover the dates you travel on. Travel Insurance gives you the power to take a step back and enjoy your travel experience. So, make sure you have the right Travel Insurance policy as it would cover all your needs right from the first flight to your stay and return journey as well. Travel Insurance can be bought online on Bharti AXA General Insurance website. Buying Travel Insurance from Bharti AXA General Insurance would help you to stay secure in case there is a mishap.

Travel Insurance By Destination

Schengen Travel Insurance

Schengen is a part of the 26 states in the European Union which make the Schengen Area. There is a law as per the Schengen agreement which states that if you are on a business or leisure trip, then you need to procure a Schengen visa, but before applying for a visa you need to buy Schengen Travel Insurance. Only then would you be given the Schengen visa. You can buy Schengen Travel Insurance online from Bharti AXA General Insurance.

Worldwide Overseas Travel Insurance (Excluding USA/Canada)

You need this kind of Travel Insurance when you travel to any Non- Schengen country. This is the most common type of Travel Insurance available with Bharti AXA General Insurance. It has many variants to fit into your requirements. So, you should know everything about it before you buy it to ensure that you get all the requirements as per the necessity. There are many types of Worldwide Overseas Travel Insurance (Excluding USA/Canada) which can be bought online with us.

Worldwide Overseas Travel Insurance (Including USA/Canada)

A trip to the US and Canada can be very exciting. You are likely to plan in detail for the long trip. One of the important additions to your list should be a comprehensive travel insurance policy offered by Bharti AXA General Insurance. This will offer coverage against all possible eventualities, whether you are traveling solo or with your family.

Asia Travel Insurance

Travelling to Asian countries is an exotic and enjoyable experience. To make your trips memorable, it is important to plan them effectively. By including a comprehensive travel insurance policy by Bharti AXA General Insurance, you would be able to protect your family and you against several eventualities.

Travel Insurance By Traveller Type

Senior Citizen Travel Insurance is for people from the age group of 71-85. Special care is required for senior citizens while travelling abroad. Also, spending in a different country with a different currency can be a task at hand. On such occasions, the International Travel Insurance for senior citizens offered by Bharti AXA General Insurance makes a lot of impact.

If you travel frequently, then it is a must for you to know all about Travel Insurance. Frequent travellers have a set schedule and know what requirements they face in such travel. This is the reason; their Travel Insurance should be exclusive so that each time they need not hunt for a better one. They can just go online and buy the Travel Insurance available to fly off to their destination. You can buy Travel Insurance online on Bharti AXA General Insurance.

Senior Citizen Travel Insurance

Frequent Traveller Travel Insurance

Key Advantages & Features of Travel Insurance

Affordable Premiums

While you focus on enjoying your stay abroad, we focus on financially securing your trip when you’re there. For that, you need to pay a small premium. That’s all.

Key Advantages & Features of Travel Insurance

Home Fire Insurance Contents & Home Burglary Insurance Contents

The policy also covers losses/damages caused due to theft, housebreaking or fire to your home back in India while you are on your trip abroad.

Key Advantages & Features of Travel Insurance

Enjoy Family Floater Plan

If you’re flying with your family, then opt for the family floater. This includes you, your spouse and 2 dependent children below the age of 23 years. You can also buy this policy individually.

Key Advantages & Features of Travel Insurance

Wide Age Covered

Different plans provide coverage across different age groups. For non-Schengen, its 3 months to 85 years, for Schengen, its 3 months to 60 years, for multi-trip it’s 3 months to 70 years.

Key Advantages & Features of Travel Insurance

Emergency Financial Assistance

In case of accidental loss of cash due to theft, robbery, mugging, or any other reason, the policy covers arrangements for providing you with emergency cash.

Key Advantages & Features of Travel Insurance

Additional Benefits

Apart from medical, travel, and baggage benefits, the policy also offers additional benefits. Some of them are loss of passport, emergency cash advances, and third-party liability.

What are the Benefits of Schengen Travel Insurance?

Medical Benefits

Coverage Smart Traveller-Schengen Silver Smart Traveller-Schengen Gold Smart Traveller-Schengen Plantinum Medical Expenses (Inc. repatriation & emergency medical evacuation) € 30,000 € 50,000 € 100,000 Dental Treatment Expenses € 500 € 500 € 500 Personal Accident € 10000 € 15000 € 20000 Accidental Death and Dismemberment € 2500 € 2500 € 2500 Daily Allowance in case of Hospitalisation no cover € 25 per day for 7 days € 25 per day for 7 days Compassionate Visit Round trip and stay expenses of the immediate family member to visit the Insured if he/she is hospitalized for more than 7 consecutive days. Reimbursement of return fare of the Insured to visit the native place in the unfortunate event of the immediate family member being hospitalized for more than 7 consecutive days in India or in the event of death of spouse, dependent children or parents

What are the Benefits of Schengen Travel Insurance?

Travel Benefits

Coverage Smart Traveller-Schengen Silver Smart Traveller-Schengen Gold Smart Traveller-Schengen Plantinum Loss of Passport and documents € 350 € 350 € 350 Total loss of checked baggage € 500 € 500 € 1000 Delay of checked baggage € 100 € 100 € 100 Trip Delay no cover € 50 € 50 Trip Cancellation and Interruption no cover € 500 € 500 Missed Connection no cover € 250 € 250 Personal Liability € 50000 € 100000 € 100000 Hijack Distress Allowance no cover € 75 € 75

What are the Benefits of Schengen Travel Insurance?

Additional Benefits

Coverage Smart Traveller-Schengen Silver Smart Traveller-Schengen Gold Smart Traveller-Schengen Plantinum

Home Fire Insurance – Contents no cover no cover र 100000 Home Burglary Insurance – Contents no cover no cover र 100000

What are the Benefits of Worldwide Overseas Travel Insurance?

Medical Benefits

Coverage Smart Traveller Basic Plan Smart Traveller Regular Plan Smart Traveller Essential Plan Medical Expenses (Inc. repatriation & emergency medical evacuation) $ 50,000 $ 100,000 $ 200,000 Dental Treatment Expenses $ 500 $ 500 $ 500 Personal Accident $ 15000 $ 20000 $ 25000 Accidental Death and Dismemberment $ 2500 $ 2500 $ 2500 Daily Allowance in case of Hospitalisation no cover $ 25 per day for 7 days $ 25 per day for 7 days Compassionate Visit Round trip and stay expenses of the immediate family member to visit the

Insured if he/she is hospitalized for more than 7 consecutive days.

Reimbursement of return fare of the Insured to visit the native place in the

unfortunate event of the immediate family member being hospitalized for

more than 7 consecutive days in India or in the event of death of spouse,

dependent children or parents

What are the Benefits of Worldwide Overseas Travel Insurance?

Travel Benefits

Coverage Smart Traveller Basic Plan Smart Traveller Regular Plan Smart Traveller Essential Plan Loss of Passport and documents $ 350 $ 350 $ 350 Total loss of checked baggage $ 500 $ 1000 $ 1250 Delay of checked baggage $ 100 $ 100 $ 100 Trip Delay $ 50 $ 50 $ 50 Trip Cancellation and Interruption no cover $ 500 $ 500 Missed Connection no cover $ 250 $ 300 Personal Liability $ 50000 $ 100000 $ 200000 Financial Emergency Assistance no cover no cover $ 300 Hijack Distress Allowance $ 75 $ 75 $ 75 Loss of Deposit or cancellation - Hotel and Airline no cover no cover $ 250 Overbooked Flight no cover no cover $ 250 Emergency accommodation no cover no cover $ 250

What are the Benefits of Worldwide Overseas Travel Insurance?

Additional Benefits

Coverage Smart Traveller Basic Plan Smart Traveller Regular Plan Smart Traveller Essential Plan Home Fire Insurance – Contents no cover $ 200000 $ 200000 Home Burglary Insurance – Contents no cover $ 200000 $ 200000 Legal expenses no cover no cover $ 100 Pet Care no cover no cover $ 100 Bail Bond no cover no cover $ 2500

Policy coverage

What Is Covered Under Travel Insurance

Medical Expenses Inclusive Of Repatriation And Emergency Medical Evacuation / Dental Treatment Travel insurance includes medical expenses, repatriation, and emergency medical evacuation. Even dental care expenses such as acute anesthetic treatment of teeth are covered.

Personal Accident Travel insurance includes compensation for accidental bodily injuries, permanent or partial disablement, death caused in an accident.

Daily Allowance In Case Of hospitalization Payment of daily allowance for the number of days that the insured person is hospitalized beyond the specified number of days mentioned in the policy document.

Loss Of Passport And Documents Travel insurance covers loss/theft of passport and documents.

Legal Expenses All legal costs and expenses are covered in case of claims towards third-party liabilities that arise out of death or bodily injuries.

Trip Cancellation And/ Or Interruption Payment towards the non-refundable prepaid payments or the additional expenses incurred subject to a limit of Sum Insured, on the trip being cancelled or interrupted due to medical problems of insured/Insured person’s family member, personal employment problems or natural disasters.

Emergency Accommodation Due to some fire, flood, earthquake, storm, hurricane, explosion, if you are not able to stay in the original accommodation, you will be compensated for the additional cost of emergency accommodation.

Hijack Distress Allowance In case if there is hijack on a common carrier for a certain number of hours, distress allowance is compensated under travel insurance.

Home Fire Insurance (Contents) Any kind of loss or damage of the things at your home back in India caused by fire will be covered under travel insurance subject to policy conditions.



Policy coverage

What Is Not Covered Under Travel Insurance

Cosmetic Surgery Travel insurance does not cover any cosmetic surgery done to enhance your beauty.

Self-inflicted Injury/Harm Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. is not covered under travel insurance.

Participation In Warfare Travel insurance coverage is not provided for those involved in naval, military, or air force operations.

Performing Professional And Risky Sports Participating in risky winter sports, like mountaineering is not covered unless specifically agreed and mentioned in the policy document.

Non-Allopathic Treatment Travel insurance strictly excludes coverage for yogic, homeopathic, unani, and ayurvedic treatments.

Medical Expenses Due To Unproven Treatment: You will not receive any coverage for expenses with respect to unproven or experimental treatment.

Illegal Activity Hazardous occupation or engaging in criminal activities while on the trip abroad is not covered under travel insurance.

Limitations In Medical Expenditure Daily allowance isn’t paid in case of hospitalization for certain pre-existing conditions.

Treatment That Could Be Delayed Until Return No coverage is given if the treating physician and the emergency service provider decide that the treatment could have been delayed until return to India.



Policy Issued

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Claim Settlement Ratio

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24/7 Claim assistance

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Types Of Travel Insurance Plans We Offer

There are different types of Travel Insurance plans that can be used depending on the destination /type of traveller. Here we will guide you on different types of plans and help you choose the plan as per your needs

Travel Insurance Frequently Asked Questions

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What kinds of medical coverage’s are provided?

The following medical expenses are covered: Travel insurance includes medical expenses, repatriation, and emergency medical evacuation. Even dental care expenses such as acute anesthetic treatment of teeth are covered.

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What is a deductible?

“Deductible”means a cost-sharing requirement under this policy, that provides that the insurer will not be liable for a specified rupee amount or percentage of claim amount or number of days or number of hours, as specified in the policy schedule and which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured and is applicable per event, upto the specified limits mentioned.

All

What Is Not Covered Under the Travel Insurance Plan?

Medical Expenses (inclusive of Repatriation and Emergency Medical Evacuation), Daily Allowance in case of hospitalization, Compassionate Visit benefits, the following will not be payable for Any pre-existing condition, Routine examinations, Expenses for rest or recuperation at spa/ health resort/ sanatorium, Pregnancy (including childbirth, miscarriage, abortion or related complications ) or treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or plastic surgery).

Cosmetic surgery, unless such cosmetic surgery is rendered medically necessary as part of treatment for accidents and burns whilst being abroad.

Suicide, attempted or wilfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of drugs, or any loss arising, directly or indirectly, from any injury, illness, death, loss, expense, or other liability attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation thereof however caused.

Treatment which could be reasonably delayed until the Insured’s return to India, which will be decided jointly by the treating Physician and the Emergency Assistance Service Provider and shall be in accordance with accepted standards of medical care.

The Insured taking part in naval, military or air force operations; war and nuclear perils.

Insured engaging in air travel unless he or she flies as a Fare Paying passenger in an aircraft licensed to carry passengers.

Participation of the Insured in winter sports, mountaineering and such other professional sports or any other hazardous or potentially dangerous sport for which the Insured members are adequately trained, physically fit and using proper equipment. and that too only if specifically agreed and mentioned in the policy schedule.

Hazardous occupation, or if engaged in any criminal or illegal act.

Medical Expenses in respect of Experimental, investigational or unproven treatments or treatments which are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or treatment which is a result or a consequence of undergoing such experimental or unproven treatment.

Naturopathy treatment.

Non Allopathic treatment e.g. - Ayurvedic, Yogic, Homeopathic, Unani treatment(s).

Under no circumstances shall this insurance contract be deemed to provide cover and no liability be incurred to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America & India You can avail the Travel Insurance online and enjoy the benefits offered by Bharti AXA

All

What Is Covered Under Travel Insurance?

Loss of passport and documents: Reimbursement of actual expenses incurred in connection with obtaining a duplicate or fresh passport or reasonable cost of replacing/obtaining the stolen documents/ tickets if the passport belonging to the Insured / Insured Person be lost Home Fire Insurance Contents & Home Burglary Insurance (contents): Cover against any loss or damage of the Contents at Home of the Insured in India caused by Fire and Allied perils or through burglary and/or housebreaking while the Insured is on a trip abroad. Hijack Distress Allowance Payment of distress allowance in case of hijack of a common carrier for more than certain number of hours whilst on the trip. You can easily avail the allowance by filing a claim online through Travel Insurance cover online process. Medical Expensesinclusive of Repartration and Emergency Medical Evacuation If you are sick or injured during the journey, your medical expenses can prove to be costly. In such cases, Travel Insurance cover greatly helps. The insurance company also offers a cashless settlement with the network hospitals or you can also opt for the reimbursement process within 30 days of hospitalization. Legal Expenses Payment of legal costs and expenses incurred by the Insured towards claims from third Parties for compensation in respect of death or disablement arising due to an injury whilst on a trip abroad. Personal Accident Payment of compensation if the Insured sustains accidental bodily injury during a trip resulting in death or Permanent Total Disablement or Permanent Partial Disablement within 12 months of occurrence of such injury. Trip Cancellation/Or Interruption

Payment towards the non-refundable prepaid payments incurred on the trip being cancelled and additional cost of transportation in case of Interruption: due to medical problems, personal employment problems or natural disasters or other listed reason in policy wordings.

Trip Delay

Reimbursement of additional expenses if trip is delayed beyond a period, due to airline problems, medical problems, personal employment problems or natural disasters. Daily Allowance in case of Hospitalisation Payment of daily allowance for the days the Insured is hospitalised beyond a specified number of days, as mentioned in the Policy Schedule, for which a valid claim is admissible under the Policy whilst on a trip abroad.Emergency Accommodation Payment of compensation for the additional cost of emergency accommodation if the Insured/ Insured Person could not stay in the accommodation originally booked due to ­fire& flood, earthquake, storm, hurricane, explosion, outbreak of major infectious diseases.

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Why do I need Travel insurance?

During a trip there are chances of unfortunate events such as loss of checked in baggage, medical emergency, loss of passport that can spoil your international trip, be it business or leisure. Travel insurance can protect you from such events ensuring that you are left stuck in foreign land.

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How to Save on Travel Insurance Premium?

Purchase Travel Insurance Online On the online platform, it is feasible for you to compare all the insurance plans at the same time. So, you can easily choose the plan that best suits your needs. Do not be late in buying the Travel Insurance If you don’t want to pay the additional high amount for insurance, it is recommended to buy the Insurance Policy at the time of ticket booking. Minimize the Medical Covers If you are not traveling to a risky destination, you do not need to avail the expensive medical covers. Simply go with the basic structure of the insurance policy. With all due benefits, the Travel Insurance Plans of Bharti AXA are all set to treat you with competitive premium rates, so that you enjoy your trips worry-free. Travel Insurance Cover If you are planning a foreign trip with your family, then make sure you are covered by a good Travel Insurance plan. There are several countries like UK, Greece, Germany & France among others, where Travel Insurance is mandatory. Again, if you are traveling to Schengen countries, the Visa will be provided only if you have a valid Travel Insurance Policy. Different insurance policies have different coverage and benefits. Before buying the Insurance Policy, it is very important to consider the coverage offered.

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What is Travel Insurance Premium?

The premium is the amount you pay to avail insurance. You can pay this as a one-time cost for a fixed period. Pay Travel Insurance Premium Online Bharti AXA offers Travel Insurance Premium at a competitive price. You can quickly pay Travel Insurance premium online and can enjoy benefits of the insurance at your travel destination. Before buying the insurance policy, you need to understand the factors which are influencing the premium rates. Once you know the critical factors associated with the premiums, then you can select the features you need and pay premiums according to the same.

Factors Influencing Travel Insurance Premium Age & Health of the Members Travel Insurance can be availed by people in the age group of 3 months -70 years. Medical underwriting is applicable if the case is above 70 years or any pre-existing disease is applicable to case for below 70 years. So, if you have a family member who is more than 70 years old, then you need to opt for a special travel policy with enhanced premium rates. Also, the travel insurance will not cover certain pre-existing health conditions. Travel Destinations The Travel Insurance premium amount varies based upon the travel destination. If you are traveling to Japan, then you have to pay a higher premium as compared to most other Asian countries, because natural disasters occur more often in Japan. Further, the premium of an insurance policy also depends on the medical costs of the destination country. Therefore, the destination to which you are traveling plays an essential role in determining the premium for Travel Insurance plan. Duration of Stay The number of days you are covered by an insurance policy is also an important factor when it comes to determining the premium. The longer the duration, the higher will be the premium. Sum Insured Sum Insured is the maximum amount of coverage, as specified in the Policy Schedule, that the Insured/Insured Person is entitled to in respect of each benefit and as applicable under the Policy.

Deductible: Deductible”means a cost-sharing requirement under this policy, that provides that the insurer will not be liable for a specified rupee amount or percentage of claim amount or number of days or number of hours, as specified in the policy schedule and which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured and is applicable per event, upto the specified limits mentioned Coverage If the Insurance Policy is covering a more significant number of benefits, the premium will increase, according to the coverage. Therefore choose appropriate covers and Add-Ons that you will need for the destination. Types of Travel Insurance Plan If you are opting for a Single-Trip Insurance Plan, you need to pay a low premium for the insurance policy. But if you are availing the Annual Multi-Trip Insurance Cover, the premium rates will be high. However, a Multi-Trip Insurance is more beneficial and cost effective if you are a frequent traveller.

Claims

Claim Process for Different Situations

Hospitalization Intimate the network hospitals of your Travel Insurance Cover and the details of ESP. Intimate the ESP of your hospitalization as soon as possible or within 24 hours for a cashless claim. For reimbursement claims, inform within 30 days of completion of hospitalization. Documents Required Include: Medical reports

The discharge summary from the hospital, mentioning the name of the insured, period and details of treatment

Original hospital bills with proper description of services rendered and payment receipts towards expenses incurred Loss of Checked-In Baggage Intimate the related airlines immediately if you do not receive your Checked-In Baggage attached to the ticket.

Report the incident to the ESP

Keep all the documents required handy

Fill a claim settlement document having details of the items. Required Details of Items: The value of the items lost or went missing (valuables not included) at market rate after considering the depreciation component. Ensure the airline issues a ‘property irregularity report’ and voucher detailing the amount of compensation for non-delivery of checked-in baggage

You may need to furnish the purchase bill of any item exceeding a specific value. Loss of Passport Report the loss of passport to the police having jurisdiction in that area.

Inform your Emergency Service Provider (ESP).

Original police report.

Original bills/invoices of expenses incurred in obtaining an emergency certificate in the area where passport was lost and a photocopy of your passport.

Copy of new or duplicate passport. Personal Liability This is the compensation for the Third-Party Liability in case the insured caused any injury or loss to someone else. If such event occurred, intimate the ESP immediately with details of the incident.

If the said event took place in public place, report the matter to the police as well. Documents required A statement of the details of the incident which caused the liability

Copy of police report

Insured should not settle the matter by entering a compromise with the claimant without informing the ESP. Personal Accident Intimate the ESP in case of personal disability or death due to an accident.

Report the event to the police also if it took place in a public place. Documents required Medical reports mentioning the details of the accident, injury, and severity of disability.

In case of the death of insured, death certificate issued by the doctor

A copy of police report. Missed Flight Connections If your flight is delayed and you missed a connecting flight due to this delay, intimate the ESP immediately with details of trips, scheduled and arrival time of the delayed flight, the period of delay. Documents required Confirmation from the airlines for the actual time of arrival, the scheduled time of arrival, and reasons for the delay.

Unused ticket of connecting flight and receipt of cancellation for the same.

A certificate issued by the operator of a missed flight that the fare for the missed flight is forfeited in full or partially and the amount of the forfeiture. At Bharti AXA, we understand when help reaches on time, it brings a sense of relief. So, you can call our 24x7 Assistance numbers for registering your travel insurance claim or if you need any assistance during your travel

Claims

How to Claim Travel Insurance?

Registering a claim on your Travel Insurance Policy is relatively easy. Here are some important things you need to know about your Travel Insurance Plan: Important Things to Know About Travel Insurance Policy Claim The Insurance Company will connect you with a Third-Party Administrator (TPA) or Emergency Service Provider (ESP) who will service your claim. This TPA or ESP will assist you to get things arranged for a cashless facility on a hospitalization treatment, lost baggage, theft or more. The most important thing to make a claim is to immediately inform the ESP about the incident and register your claim with them. Bharti AXA provides you the flexibility to register Travel Insurance claim online or by a call. Every claim should be accompanied by original tickets or boarding passes or a copy of passport stating the dates of travel for the trip. Also, every emergency such as loss of baggage or hospitalization has its own set of requirements and documents to be furnished for each claim.

Claims

Travel Insurance Cover from Bharti AXA

If you decide to buy a Travel Insurance Policy for you or your family, you can do so at a very pocket-friendly premium. Your Travel Insurance Policy will help you as a friend. The policy shall take care of lost baggage, missed flights, theft, medical expenses and other serious problems that you may face while traveling.

Claims

Individual and Family Travel Insurance Claim

Travelling is fun and exciting, but it has its own set of problems such as injuries, theft, loss of your luggage and much more. A good Insurance policy can help you avoid the hassles you may face while travelling. Having Travel Insurance is mandatory in countries like UK, Germany, Greece, and France to protect travellers. Bharti AXA offers flexible travel Insurance plans that take care of you while you enjoy your trip.

Claims

Individual and Family Travel Insurance Claim

Travelling is fun and exciting, but it has its own set of problems such as injuries, theft, loss of your luggage and much more. A good Insurance Policy can help you avoid the hassles you may face while travelling. Having Individual and Family Travel Insurance is mandatory in countries like UK, Germany, Greece, and France to protect travelers. Bharti AXA offers flexible travel Insurance Plans that take care of you while you enjoy your trip.

Claims

Family Travel Insurance Cover from Bharti AXA

If you decide to buy a Travel Insurance Policy for you or your family, you can do so at a very pocket-friendly premium. Your Travel Insurance Policy will help you as a friend. The policy shall take care of lost baggage, missed flights, theft, medical expenses and other serious problems that you may face while traveling.

Cover

Online Travel Insurance Policy

Bharti AXA offers Travel Insurance policies. The company has a presence in more than 130 countries which can help you when you are abroad on a vacation with family.

Cover

Travel Insurance Cover

If you are planning a foreign trip with your family, then make sure you are covered by a good Travel Insurance plan. There are several countries like UK, Greece, Germany & France among others, where Travel Insurance is mandatory. Again, if you are traveling to Schengen countries, the Visa will be provided only if you have a valid Travel Insurance Policy. Different insurance policies have different coverage and benefits. Before buying the Insurance Policy, it is very important to consider the coverage offered.

Cover

What Is Not Covered Under the Travel Insurance Plan?

Medical Expenses (inclusive of Repatriation and Emergency Medical Evacuation), Daily Allowance in case of hospitalization, Compassionate Visit benefits, the following will not be payable for Any pre-existing condition, Routine examinations, Expenses for rest or recuperation at spa/ health resort/ sanatorium, Pregnancy (including childbirth, miscarriage, abortion or related complications ) or treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or plastic surgery).

Cosmetic surgery, unless such cosmetic surgery is rendered medically necessary as part of treatment for accidents and burns whilst being abroad.

Suicide, attempted or wilfully self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcoholism, drunkenness or the abuse of drugs, or any loss arising, directly or indirectly, from any injury, illness, death, loss, expense, or other liability attributable to HIV and/or any HIV related illness including AIDS and/or any mutant derivative or variation thereof however caused.

Treatment which could be reasonably delayed until the Insured’s return to India, which will be decided jointly by the treating Physician and the Emergency Assistance Service Provider and shall be in accordance with accepted standards of medical care.

The Insured taking part in naval, military or air force operations; war and nuclear perils.

Insured engaging in air travel unless he or she flies as a Fare Paying passenger in an aircraft licensed to carry passengers.

Participation of the Insured in winter sports, mountaineering and such other professional sports or any other hazardous or potentially dangerous sport for which the Insured members are adequately trained, physically fit and using proper equipment. and that too only if specifically agreed and mentioned in the policy schedule.

Hazardous occupation, or if engaged in any criminal or illegal act.

Medical Expenses in respect of Experimental, investigational or unproven treatments or treatments which are not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any Illness for which confinement is required at a Hospital. Any Illness or treatment which is a result or a consequence of undergoing such experimental or unproven treatment.

Naturopathy treatment.

Non Allopathic treatment e.g. - Ayurvedic, Yogic, Homeopathic, Unani treatment(s).

Under no circumstances shall this insurance contract be deemed to provide cover and no liability be incurred to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose us to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom, United States of America & India You can avail the Travel Insurance online and enjoy the benefits offered by Bharti AXA

Cover

What Is Covered Under Travel Insurance?

Loss of passport and documents: Reimbursement of actual expenses incurred in connection with obtaining a duplicate or fresh passport or reasonable cost of replacing/obtaining the stolen documents/ tickets if the passport belonging to the Insured / Insured Person be lost Home Fire Insurance Contents & Home Burglary Insurance (contents): Cover against any loss or damage of the Contents at Home of the Insured in India caused by Fire and Allied perils or through burglary and/or housebreaking while the Insured is on a trip abroad. Hijack Distress Allowance Payment of distress allowance in case of hijack of a common carrier for more than certain number of hours whilst on the trip. You can easily avail the allowance by filing a claim online through Travel Insurance cover online process. Medical Expensesinclusive of Repartration and Emergency Medical Evacuation If you are sick or injured during the journey, your medical expenses can prove to be costly. In such cases, Travel Insurance cover greatly helps. The insurance company also offers a cashless settlement with the network hospitals or you can also opt for the reimbursement process within 30 days of hospitalization. Legal Expenses Payment of legal costs and expenses incurred by the Insured towards claims from third Parties for compensation in respect of death or disablement arising due to an injury whilst on a trip abroad. Personal Accident Payment of compensation if the Insured sustains accidental bodily injury during a trip resulting in death or Permanent Total Disablement or Permanent Partial Disablement within 12 months of occurrence of such injury. Trip Cancellation/Or Interruption

Payment towards the non-refundable prepaid payments incurred on the trip being cancelled and additional cost of transportation in case of Interruption: due to medical problems, personal employment problems or natural disasters or other listed reason in policy wordings.

Trip Delay

Reimbursement of additional expenses if trip is delayed beyond a period, due to airline problems, medical problems, personal employment problems or natural disasters. Daily Allowance in case of Hospitalisation Payment of daily allowance for the days the Insured is hospitalised beyond a specified number of days, as mentioned in the Policy Schedule, for which a valid claim is admissible under the Policy whilst on a trip abroad.Emergency Accommodation Payment of compensation for the additional cost of emergency accommodation if the Insured/ Insured Person could not stay in the accommodation originally booked due to ­fire& flood, earthquake, storm, hurricane, explosion, outbreak of major infectious diseases.

General

What happens in case of delay or total loss of checked-in baggage?

Payment of compensation for reasonable expenses incurred for the purchases of toiletries, clothing and medication due to a delay in checked-in baggage or payment towards total loss of checked baggage caused by a common carrier.

General

How is loss of passport, documents and tickets compensated?

In the case of a loss, we will pay the expenses incurred to obtain a duplicate or fresh passport and stolen documents.

General

What kinds of medical coverage’s are provided?

The following medical expenses are covered: In-patient treatment in a local hospital

Out-patient treatment, provided if it is critical

Medical aid for broken limbs or injuries if prescribed by physician

Pathological and diagnostic tests like X-ray, diagnostic tests, etc.

Dental care related to acute anesthetic treatment as a result of an accident

Life-saving emergency measures till the insured person becomes medically stable

Transportation and emergency medical evacuation

General

What is a deductible?

Deductible”means a cost-sharing requirement under this policy, that provides that the insurer will not be liable for a specified rupee amount or percentage of claim amount or number of days or number of hours, as specified in the policy schedule and which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured and is applicable per event, upto the specified limits mentioned.

General

What are the benefits of Bharti AXA Travel Insurance Policy

You need to take care of yourself and your valuables when in a new country. As a traveller, you would always look for the benefits of Travel Insurance. You can be covered, including your home back in India, along with the valuables you carry. Following are the other benefits of travel insurance. Medical Expenses (incl. Repatriation & Medical Evacuation) The company shall pay or reimburse emergency care expenses incurred for availing immediate emergency medical assistance required on account of any disease /illness or injury whilst on a trip. In case of emergency evacuation, company shall compensate the extra costs of medically necessary and prescribed transportation of the Insured/ Insured Person from the foreign country to his/ her permanent place of residence in India or to the nearest Hospital. Loss of Passport and Documents Company shall reimburse the actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport as per the sum insured specified in policy schedule. This Travel Insurance Policy covers your immediate family members in one policy if family plan has been opted. It helps you from buying the different policies for all members Trip Cancellation and / or Interruption Payment towards the non-refundable prepaid payments or the additional expenses incurred subject to limit of Sum Insured, on the trip being cancelled or interrupted due to medical problems of insured/Insured person’s family member, personal employment problems, or natural disasters. Delay or Total Loss of Checked-In Luggage Company shall pay the compensation to the insured/insured person for the total and complete loss of checked-in baggage by a common carrier.

General

Why buy Bharti AXA Travel Insurance?

Bharti AXA Smart Traveller Insurance Policy provides you with 130+ country-wide presence

24/7 Bharti Assist Global

Covers travel and medical emergencies

Legal expenses towards third-party liability’s death or bodily injuries

Flexible plans for your needs

No medical check-up up to 70 years, if there is no pre-existing condition. In case of pre-existing disease, declaration for the same is required.

General

What is the minimum and the maximum duration the insurance can be purchased?

The minimum duration is 2 days and the maximum duration varies for different plans but is within 356 days. Non-Schengen products - 2 days to 182 days (extendable up to 356 days)

Schengen products - 2 days to 182 days

Annual Multi-trip plan - each trip duration shall not exceed the number of days opted in the policy

General

Are children and senior citizens covered?

This policy covers persons in the age group of 3 months to 85 years for Non-Schengen Products For Schenegen products the eligible age group is 3 months to 60 years For Annual Multi-trip Products the eligible age group is 3 months to 70 years

Persons in the age group of 60-85 years (for Non-Schengen Products) and age group of 60-70 years (for Annual Multi-trip products)will be underwritten based on merits of the case Policy can be issued to an individual and/or family as a Family Floater which includes Insured, spouse and 2 dependent children below 23 years of age.

General

If I purchase online, can I cancel the policy?

You have a period of 15 days from the date of receipt of the policy document to review the terms and conditions of the policy. If there are any objections to any of the terms and conditions, you can cancel the policy stating the reasons for cancellation. The premium paid will be refunded, after adjusting the amounts spent on stamp duty charges and proportionate risk premium.

General

How can I buy Bharti AXA Travel Insurance online?

You can buy Bharti AXA Travel Insurance online through a simple and easy process. Fill in your details to generate a quick quote, select a plan according to your needs, proceed to buy and pay online through net banking, credit and debit card. Your overseas travel insurance policy would be generated in minutes. A confirmation email will be to you immediately. You will also receive the policy document within one working day.

General

How do I choose the best travel insurance?

While buying travel insurance online you have to select the plan that is right for you. Policy coverage, plan features, and price can be the deciding factors for you. Read the policy wordings carefully to learn what is included and excluded in your policy. If you are a frequent traveller consider an annual policy that covers multi trips. Check for coverage including: Medical Expenses inclusive of Repatriation and Emergency Medical Evacuation.

Personal Accident

Loss of passport and documents

Trip delay

Trip cancellation and/or Interuption

Financial Emergency Assistance

Loss of Deposit or cancellation- Hotel and Airline

Legal Expenses

General

How do I benefit with travel insurance?

Overseas travel insurance protects you when you are traveling in a foreign land. The insurance covers the expenses incurred during events like Trip cancellation and/ or Interruption, Medical expense inclusive of repatriation and emergency evacuation, Delay or total loss of checked-n baggage, Loss of passport and documents, Financial Emergency Assistance Home Fire Insurance Contents Home Burglary Insurance (contents)

General

Why do I need Travel Insurance?

Travelling abroad can be for a holiday or for business purpose. During the journey, you are susceptible to many risks away from home. There can be unfavourable incidents like thefts, accidents, loss of tickets, baggage, documents, and trip cancellation. Travel insurance, in this case, becomes vital. It covers the expenses incurred in the event of loss or medical treatment. This way, travel insurance ensures you get complete piece of time and are able to enjoy the journey completely.

Policy

Where Can I Read More Policy Coverage By Bharti AXA Travel Insurance?

Bharti AXA General Insurance offers various types of travel insurance plans. Our plans are available as per destination such Schengen Travel Insurance as well as to suit the requirements of the type of travellers such as the Senior Citizen Travel Insurance. Your policy is an important travel document as it can cover you in the event of various unfortunate situations when you are travelling abroad such as a medical emergency and travel related mishaps like missing a connecting flight, delay or loss of checked-in baggage and even in case your trip gets cancelled. It is important to read the key features, inclusions, terms and coverage details of the insurance policy since it will have an impact at the time of raising a claim. You can read the policy coverage details and can even purchase a travel insurance policy online at your convenience.

Premium

Individual and Family Travel Insurance Premium

It is essential to include the cost of the Travel Insurance Policy within the budget of the vacation or holiday. You must be aware that the Individual and Family Travel Insurance policies are vital for foreign trips, as the unfortunate events are impossible to predict. Before availing the right Travel Insurance, you need to understand the calculation of premiums.

Premium

How to Save on Travel Insurance Premium?

Purchase Travel Insurance Online On the online platform, it is feasible for you to compare all the insurance plans at the same time. So, you can easily choose the plan that best suits your needs. Do not be late in buying the Travel Insurance If you don’t want to pay the additional high amount for insurance, it is recommended to buy the Insurance Policy at the time of ticket booking. Minimize the Medical Covers If you are not traveling to a risky destination, you do not need to avail the expensive medical covers. Simply go with the basic structure of the insurance policy. With all due benefits, the Travel Insurance Plans of Bharti AXA are all set to treat you with competitive premium rates, so that you enjoy your trips worry-free. Travel Insurance Cover If you are planning a foreign trip with your family, then make sure you are covered by a good Travel Insurance plan. There are several countries like UK, Greece, Germany & France among others, where Travel Insurance is mandatory. Again, if you are traveling to Schengen countries, the Visa will be provided only if you have a valid Travel Insurance Policy. Different insurance policies have different coverage and benefits. Before buying the Insurance Policy, it is very important to consider the coverage offered.

Premium

What is Travel Insurance Premium?

The premium is the amount you pay to avail insurance. You can pay this as a one-time cost for a fixed period. Pay Travel Insurance Premium Online Bharti AXA offers Travel Insurance Premium at a competitive price. You can quickly pay Travel Insurance premium online and can enjoy benefits of the insurance at your travel destination. Before buying the insurance policy, you need to understand the factors which are influencing the premium rates. Once you know the critical factors associated with the premiums, then you can select the features you need and pay premiums according to the same.

Factors Influencing Travel Insurance Premium Age & Health of the Members Travel Insurance can be availed by people in the age group of 3 months -70 years. Medical underwriting is applicable if the case is above 70 years or any pre-existing disease is applicable to case for below 70 years. So, if you have a family member who is more than 70 years old, then you need to opt for a special travel policy with enhanced premium rates. Also, the travel insurance will not cover certain pre-existing health conditions. Travel Destinations The Travel Insurance premium amount varies based upon the travel destination. If you are traveling to Japan, then you have to pay a higher premium as compared to most other Asian countries, because natural disasters occur more often in Japan. Further, the premium of an insurance policy also depends on the medical costs of the destination country. Therefore, the destination to which you are traveling plays an essential role in determining the premium for Travel Insurance plan. Duration of Stay The number of days you are covered by an insurance policy is also an important factor when it comes to determining the premium. The longer the duration, the higher will be the premium. Sum Insured Sum Insured is the maximum amount of coverage, as specified in the Policy Schedule, that the Insured/Insured Person is entitled to in respect of each benefit and as applicable under the Policy.

Deductible: Deductible”means a cost-sharing requirement under this policy, that provides that the insurer will not be liable for a specified rupee amount or percentage of claim amount or number of days or number of hours, as specified in the policy schedule and which will apply before any benefits are payable by the insurer. A deductible does not reduce the sum insured and is applicable per event, upto the specified limits mentioned Coverage If the Insurance Policy is covering a more significant number of benefits, the premium will increase, according to the coverage. Therefore choose appropriate covers and Add-Ons that you will need for the destination. Types of Travel Insurance Plan If you are opting for a Single-Trip Insurance Plan, you need to pay a low premium for the insurance policy. But if you are availing the Annual Multi-Trip Insurance Cover, the premium rates will be high. However, a Multi-Trip Insurance is more beneficial and cost effective if you are a frequent traveller.

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