A travel insurance policy is commonly known to serve at least one primary purpose. It is meant to safeguard the traveller against any mishaps they face during their journey, and ensure a hassle-free travel experience. Often unbeknownst to many, an international travel insurance
plan also serves one other purpose. It is a mandatory requirement to travel to some countries of the world. Thus, you will have to get a travel policy if you want to get a visa to these countries.
However, even if you are travelling to countries that do not require you to get travel coverage, or are taking a domestic trip, it is advisable to get travel insurance coverage for your journey. One ought to consider that there is always a looming, perhaps distant, possibility of something going wrong during one’s travel. For example, misplacing or losing your belongings is one of the common occurrences. You may end up losing your wallet, your cards, or even your passport. Recovery or issuance of a duplicate may prove to be a hassle. In such cases, having travel insurance can help you seek support and may make the due process a bit easier.
Travel is undertaken for different purposes, through different modes of transport, and for varying lengths of time. Thus, travel insurance requirements may also slightly vary. To suit these varying needs, Bajaj Allianz General Insurance Company has a range of travel insurance plans to choose from.
Let’s take a look at some of the possibilities that these plans cover, that help you safeguard your travels.
What do Bajaj Allianz Travel Insurance Plans offer?
Whether you buy travel insurance online or offline, it is necessary to know its inclusions. This helps you understand the specifics of what the plan has to offer to you, and what instances may be covered by it.
For travel plans by Bajaj Allianz General Insurance Company, here are some of the inclusions.
- Personal Accident
Wherever in the world you may be, the threat of meeting an accident is faced by everyone. By definition, accidents come unannounced. Following a mishap, you may require hospitalisation. When in a foreign region, it may prove to be difficult to navigate the healthcare system. Having a travel insurance policy may help you cover the costs of personal accidents internationally where your health insurance may not provide coverage.
- Accidental Death & Disability
If the person were to pass away as a result of a mishap during their travels, the insurance policy will compensate the family with an amount as specified by the policy details. Furthermore, even if the person suffers permanent disability as a result of an accident, they may be able to claim compensation.
- Emergency Medical Expenses
Falling sick during your travels is not an uncommon occurrence. You may need to find a doctor to seek medical help or may even need hospitalisation. A travel insurance policy by Bajaj Allianz General Insurance Company may help cover these costs as well.
- Medical Evacuation
If you are travelling to a remote location, where you fall sick, and may require to be evacuated to the nearest hospital, the costs of evacuation may be covered by your travel policy. This helps you ensure that irrespective of where you are, you will be able to receive the required healthcare when you need it.
- Loss of Passport or Baggage
If your passport or baggage is misplaced or lost, you may end up facing a significant amount of trouble. While the loss cannot be reversed, you can seek help to either find your lost belongings or get your passport replaced by getting another one issued. This process is supported if you have a travel policy.
- Flight Delay or Cancellation
Some of the expenses that may occur due to a delay or cancellation of a flight can be covered by your travel insurance policy. It is best to know the claim procedure in case such an incident were to happen to you.
- Cancellation or Curtailment of Trip
It is possible that the person or people undertaking the journey may have to curtail their travel or cancel it altogether due to unavoidable reasons. The resulting costs they may incur are covered by their travel insurance
- Home Burglary
You may be travelling with family, which may leave your home unattended. This could become a cause of worry when you are travelling. However, remember that your travel policy covers the possibility of home burglaries as well.
- Transfer of Mortal Remains
The costs of repatriation of mortal remains from a foreign location will be covered by the insurance policy. This may prove to be of support to the grieving family of the deceased.
Remember that you can buy your travel insurance online as well as offline. Choose a mode that you find the most convenient. Many people may end up choosing the online mode, as it can prove to be quicker and relatively cost-effective.
*Standard T&C apply
Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.