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Individual Travel Insurance Plan

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What’s in it for you?

Awarded Best Travel Insurance outlook traveller

Flight delay & cancellation cover

Medical expenses cover

Comprehensive cover at attractive premiums

WHY DO I NEED TRAVEL INSURANCE?

Excited about ‘leaving on a jet plane’ like the hit song from the 1960’s? Escaping from the clutches of your monotonous daily routine is well and good but planning for travel emergencies needs to be more than an afterhour

After you’ve drawn up a list of the things to do and places to see, it is time to find the best bargains on hotel stays or tour packages. And yes, swimming trunks or suits too (if the destination calls for it, that is)!

Once you’ve got that taken care of, it’s time to think about some other essentials. What’s that, you ask? Well, a plan for handling emergency situations, of course! An Individual Travel Insurance Policy must be a part of such a plan.

Travelling internationally has its fair share of risks. From loss of passport to delay in baggage arrival or medical emergencies, there are many things that can go wrong. Before you leave, evaluate the various risk factors term or duration of travel and personal liability exposure to assess the travel insurance protection that you need.

Consider this: Your baggage gets misplaced shortly after you arrive at your destination or you suffer a medical emergency and need immediate hospitalization. With no familiar faces around, an Individual Travel Insurance can help prevent your dream holiday into an unfortunate saga. Crisis averted!

Having Individual Travel Insurance also protects your finances and guarantees you peace of mind. If you need assistance while abroad, all you need to do is call our toll-free helpline. Our global network enables you to get speedy claims processing and settlement service wherever you may be.

Individual Travel Insurance Policy tops the list of must-haves when risks such as epidemics and natural disasters are considered, because it’ll help you take care of the immense medical costs in such scenarios. Similarly, when faced with an emergency where you urgently need cash, our Individual Trip Plans give you adequate liquidity.

As a professional or a tourist, travelling to a different part of the world can be an exciting experience! With Bajaj Allianz Individual Travel Insurance, you can be sure that as you are leaving on a jet plane, you’re also leaving all your travel worries behind!

Wondering how to get the most economical individual travel plan? Just visit our website to get the latest quotes, compare different trip plans and estimate premium payable with our travel insurance premium calculator. It really is as simple as it sounds!

Special Features

We like to keep it subtle! In an emergency, Bajaj Allianz works behind the scenes to support you.

If you’re in distress, all you have to do is to give a missed call on +91-124-6174720 from anywhere across the world. Our customer service specialists are available round the clock to assist you find solutions no matter where in the world you may be!

The individual travel insurance not only supports you at the time of distress but also covers you if there is a burglary at your home while you are away or if your trip gets cancelled or curtailed.

  • Quick Settlement Of Claims

    At Bajaj Allianz, we have aligned our processes to ensure that claims can be settled quickly and efficiently. Leveraging world-class technology and systems, we take pride in having one of the fastest turnaround times in the Industry.

  • Travel Trip Delay Delight for Automatic Claim Settlement

    Travel Trip Delay Delight, our mobile app has been designed to take care of your needs easily and effortlessly. The App has been designed to keep track of the claim status and initiate payouts in an automated manner.

Why Travel Insurance?

EASY, HASSLE-FREE AND QUICK CLAIM SETTLEMENT

We wish you fair winds and calm seas on your travels, however, should you need to call us to file a claim, you’ll find a patient ear and speedy service. You can connect with us via our Toll Free Number 1800 209 5858 or you can also use our Global Travel Helpline by giving us a missed call on +91 124 6174720. Once you give us a missed call on the Global Travel Helpline number, you will get a call back from us and our representative will walk you through the rest of the process.

 

How your travel claim is processed depends on whether you’ve opted for coverage on a cashless or claim settlement basis. 

Here’s how we process your claim, in case it is made via cashless mode

✓     If you need to make a claim, all you need to do is get in touch by phone or email. Our advisor will put you ease regarding the claim process and answer any questions that you may have.

✓     To process your claim quickly, we will need you to provide the prescribed documents such as a duly filled claim form and supporting documents. These are described in greater detail in the following section.

✓     After verifying your claim, we’ll let you know in the shortest possible time whether your claim has been approved or declined.

✓     In the event additional information is required, we may reach out to your healthcare provider for a clarification. This is done through a query letter sent by Bajaj Allianz.

✓     If approved, we‘ll contact your healthcare provider and send them a Guarantee of Payment letter. This means that you can avail quality treatment and leave the bills to us.

✓     If the claim is denied, we notify the provider accordingly via a Letter of Denial. Unfortunately, you would be responsible to pay for treatment out of your funds.

Click here to register your claim online. 

LET’S SIMPLIFY TRAVEL INSURANCE, SHALL WE?

What is travel insurance?

Travel insurance is a form of insurance which covers the medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while travelling. Travel insurance can be availed for both international and domestic travel.

How to extend travel insurance?

There can be two scenarios for travel insurance extension i.e. Pre policy expiration & Post policy expiration. The process for both scenarios are as mentioned below.

  • Pre policy expiration: In this case, the customer has to inform team Bajaj Allianz about their travel insurance extension requirement. Post receiving the request, Bajaj Allianz representative will require the customer to fill and submit a Good Health form, post which the underwriters evaluate the request and do the needful.
  • Post policy expiration: In such scenario, customer has to inform team Bajaj Allianz about their policy extension requirement along with the reason of delay in request. Post receiving the request, the underwriters evaluate the same and based on the details submitted, come to a conclusion.

What info do I need to complete the online application?

All the information required to complete the application is available in the applicants’ passport. The main data elements are the applicants complete name, passport number, date of birth, mailing address and telephone number in India, the assignee (the beneficiary for the policy in the event of death or dismemberment of the traveler) and the correct travel dates

What are the sum insured option limit for BA travel insurance?

The travel insurance plan by BA has plans ranging from 50k USD till 5 lakh USD

What do you mean by personal liability cover?

Personal liability covers payment of Damages to Third Party Civil Claims arising out of Bodily Injury or Accidental Property Damage occurring during overseas trip.

 

Under what scenarios, can someone avail loss/delay of baggage?

Loss/delay of baggage is applicable only in case of checked-in baggage and that too only when a person is travelling to a foreign country from India.

What if I am in need of cash while travelling abroad?

One of the important features of this policy is Emergency Cash Advance. It is an assistance service, wherein the company facilitates providing emergency cash to the insured during incidents such as theft/burglary of luggage/money or hold ups by coordinating with the insured person's relatives in India to provide emergency cash assistance to the insured person as per his requirement, up to the limit specified in the policy schedule

Which policy is better, individual or family floater?

It totally depends on what your requirement is. In case of people travelling alone or travel with friends colleagues, Individual travel plan is suitable. In case you are travelling with Spouse and children and you want a single polivy to cover entire family, then in that case family floater is the better choice.

What if I lose my passport while traveling?

Bajaj Allianz travel insurance policy include the loss of passport cover under which you get a fixed benefit amount in case you lose our passport while traveling abroad

What do you mean by Hijack cover?

If insured is detained by hijackers following hijacking of any aircraft in which the insured is travelling, the Company will pay up to the maximum sum specified in the schedule.

Are ambulance charges covered?

Yes, the ambulance charges are covered

What if I forget my travel insurance?

In case you forget to carry your travel policy, one should have details of the policy like policy number or customer ID number. One can also carry the soft copy of the policy as a valid document

Spreading Smiles Through Our Services

Sonal Gopujkar

Excellent process! Very easy to use and instant output

Ushaben Pipalia

Very prompt and professional service. Pleased with customer service team of Bajaj Allianz.

K.V.Rangareddy

Nice and customized website. Loved the experience on Bajaj Allianz's website.

Make your getaway stress-free with Bajaj Allianz!

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INDIVIDUAL TRAVEL INSURANCE COVERS AND FEATURES

 

We know you like to have options when it comes to places to visit or things to see. Individual Travel Insurance is no different. At Bajaj Allianz, we have come up with individual travel insurance plans that offer value for money along with comprehensive coverage including personal liability protection and emergency cash advance. Here are the details:

 

 

Individual Travel Companion Plan

 

 

This is a basic travel cover that provides you with complete medical and health cover while you are travelling to an international destination. It provides Personal Accident coverage, medical and baggage loss coverage among a host of other options.

Whether or not you believe in travelling light, Travel Companion has you covered in a possible medical emergency. It’s like having an angel on your shoulder wherever you go! Here are the details.

 

 

  Travel Care Travel Secure Travel Value
Coverages Benefit in US$ Benefit in US$ Benefit in US$
Medical Expenses,Evacuation
and Repatriation
50,000 2,00,000 5,00,000
Emergency dental pain relief
included in (I) above
500 500 500
Loss of Checked Baggage
Per baggage maximum 50% and per item in the baggage 10%
250** 1,000** 1,000**
Delay of Baggage 100 100 100
Personal Accident
Only 50% of the Sum Assured in respect of the death of the insured person below the age of 18 years
10,000*** 25,000*** 30,000***
Loss of passport 250 250 250
Personal Liability 1,00,000 2,00,000 2,00,000
Hijack $ 50 per day to
maximum $ 300
$ 50 per day to
maximum $ 300
$ 50 per day to a
maximum $ 300
Trip Delay - $ 20 per 12 hrs. 12 hrs. maximum $120 $ 20 per 12 hrs. 12 hrs. maximum $120
Emergency Cash Advance****
Cash advance would include delivery charges
500 1000 1,500
Golfer Hole-in-one - 250 500
**Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years **** Cash Advance Would include delivery charges.

Individual Travel Elite Plan

 

 

Need a little something extra? Our Travel Elite Plans give you upgraded protection, much like a Business Class flight experience. You can choose from our Silver, Gold and Platinum plans that offer flexible sum insured options, trip delay protection and personal liability cover.

What’s more, Travel Elite also offers cover for the loss of Checked in baggage and trip cancellations. etc. Travel Elite offers hijack coverage as well.

Here’s how our Travel Elite Plan helps make your travel worries disappear!

 

 

  Silver Gold Platinum
Coverages Benefit in US$ Benefit in US$ Benefit in US$
Medical Expenses,Evacuation
and Repatriation
50,000 2,00,000 5,00,000
Emergency dental pain relief
included in (I) above
500 500 500
Personal Accident
Only 50% of the Sum assured in respect of the death of the insured person below age of 18
years
15,000*** 25,000*** 25,000***
AD & D Common Carrier 2,500 5,000 5000
Delay of Baggage 100 100 100
Loss of Checked Baggage
Per Baggage maximum 50 % and per item in the baggage 10 %.
500** 1,000** 1,000**
Hijack $50 per day to max $ 300 $60 per day to max $ 360 $60 per day to max $ 360
Trip Delay $ 20 per 12 hrs to max
$ 120
$ 30 per 12 hrs to max
$ 180
$ 30 per 12 hrs to max
$ 180
Personal Liability 1,00,000 2,00,000 2,00,000
Emergency Cash Advance****
Cash Advance Would include delivery charges.
500 1,000 1,000
Golfer Hole-in-one 250 500 500
Trip Cancellation 500 1,000 1,000
Home Burglary Insurance Rs.1, 00,000 Rs.2, 00,000 Rs.3, 00,000
Trip Curtailment 200 300 500
Hospitalization Daily Allowance $25 per day to max $100 $25 per day to max $125 $25 per day to max $150
Loss of Passport 250 250 250
**Per Baggage maximum 50 % and per item in the baggage 10 %. *** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years **** Cash Advance Would include delivery charges.

Individual Travel Prime Plan

 

 

If you travel often, we recommend our Travel Prime Plan. It is specially designed to offer comprehensive coverage against most risks you might face during your international travels.

All medical eventualities including the cost of hospitalization and related expenses are covered under this plan. If you’re travelling to a high risk country that has had an outbreak of a viral disease, Travel Prime can protect you from the burden of medical expenses incurred.

Your options under Travel Prime are as comprehensive as the potential risks of an international tour. From Hospitalization Daily Allowance, Accidental Death and Disability as well as Emergency Evacuation coverage, Travel Prime offers best in class protection that lets you enjoy your vacation the way you intend!

If you plan to go skiing in the Alps to indulge in parasailing, we suggest you follow your instructor’s directives very carefully. When it comes to travel insurance, Bajaj Allianz Travel Prime has got you covered. Yet, since insurance is a subject matter of the solicitation, we suggest that you read the terms and conditions equally carefully.  

 

 

  Silver Gold Platinum Super Platinum Maximum Deductible
Coverages 50,000 USD 2 Lakhs USD 5 Lakhs USD 7.5 Lakhs USD 10 Lakhs USD -
Personal Accident* 15,000 USD 25,000 USD 25,000 USD 25,000 USD 25,000 USD Nill
Medical Expenses and Evacuation 50,000 USD 200,000 USD 500,000 USD 750,000USD 1,000,000 USD 100 USD
Emergency Dental Pain Relief included in above limits 500 USD 500 USD 500 USD 500 USD 500 USD 100 USD
Repatriation 5,000 USD 5,000 USD 5,000 USD 6,000 USD 6,500 USD Nil
Loss of Checked Baggage** 500 USD 1,000 USD 1,000 USD 1,000 USD 1,000 USD Nil
Accidental Death & Disability
(Common Carrier)
2,500 USD 5,000 USD 5,000 USD 5,000 USD 5,000 USD Nil
Loss of Passport 250 USD 250 USD 250 USD 300 USD 300 USD 25 USD
Personal Liability 100,000 USD 200,000 USD 200,000 USD 250,000 USD 250,000 USD 100 USD
Hijack cover 50 USD per day
to max 300 USD
60 USD per day
to max 360 USD
60 USD per day
to max 360 USD
60 USD per day
to max 360 USD
60 USD per day
to max 360 USD
Nil
Trip Delay 25 USD per 12 hrs
to max 120 USD
30 USD per 12 hrs
to max 180 USD
30 USD per 12 hrs
to max 180 USD
30 USD per 12 hrs
to max 180 USD
30 USD per 12 hrs
to max 180 USD
12 Hrs
Hospitalization Daily Allowance 20 USD per day
to max 100 USD
25 USD per day
to max 125 USD
25 USD per day
to max 125 USD
25 USD per day
to max 125 USD
25 USD per day
to max 125 USD
Nil
Golfer's Hole-in-one 250 USD 500 USD 500 USD 500 USD 500 USD Nil
Trip Cancellation 500 USD 1,000 USD 1,000 USD 1,000 USD 1,000 USD Nil
Trip Curtailment 200 USD 300 USD 500 USD 500 USD 500 USD Nil
Delay of Checked Baggage 100 USD 100 USD 100 USD 100 USD 100 USD 12 Hours
Home Burglary Insurance INR 100,000 INR 200,000 INR 300,000 INR 300,000 INR 300,000 Nil
Emergency Cash Benefit*** 500 USD 1,000 USD 1,000 USD 1,500 USD 1,500 USD Nil
Missed Connection 100 USD 100 USD 100 USD 100 USD 100 USD 12 Hours
Difference in Airfare due to delayed or early return 500 USD 500 USD 500 USD 500 USD 500 USD Nil
Bounced Hotel 500 USD 500 USD 500 USD 500 USD 500 USD Nil
PA Cover in India INR 50,000 INR 50,000 INR 50,000 INR 50,000 INR 50,000 Nil

  • Abbreviation INR indicates Indian National Rupees
  • Abbreviation * indicates only 50% of the Sum assured in respect of the death of the insured person below age of 18 years e.g in case of death of insured person who is below age of 18 years total liability will become 50% of total SI for personal accident i.e 50%*10000 USD= 5000 USD
  • Abbreviation ** Per Baggage maximum 50% and per item in the baggage 10%
  • Abbreviation *** Cash advance would include delivery charges

WHAT IF I AM IN URGENT NEED OF CASH ABROAD?

Being stranded in a foreign country is among the 10 worst travel nightmares experienced by people across the world! If you’re ever faced with such a situation in real life, for example, being robbed in another country, you’ll need to think and act decisively. While you can seek help from embassy staffers, police or immigration officials, what about any immediate expenses incurred?

Thankfully, with Individual Travel Insurance, you can get emergency cash with which you can buy emergency supplies and even find a warm place to sleep for the night.

Our Emergency Cash Advance feature makes it possible for you to make the best of an unfortunate situation like the theft or loss of baggage. While you wait for your belongings to be found, an emergency cash advance lets you access emergency services when necessary and also reach out to make calls to your family back in India.

The assistance is offered by coordinating with a relative of yours so as to make emergency cash available to you. The limit of assistance is specified in the policy schedule.   

WHAT ARE THE SITUATIONS IN WHICH I AM OR I WON’T BE COVERED?

  • Inclusions

  • Exclusions

Medical and hospitalization

Evacuation and repatriation

Loss/Delay of baggage

Loss of passport

Emergency cash advance

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If you were suffering from pre-existing medical condition or a resulting complication before the commencement of the policy. 

If you want to go for normal health checkup without indication of any adverse health condition

Medical expenses incurred after the expiry of policy tenure

Medical complications due to attempted suicide or self-inflicted injury.

Psychological disorders like anxiety/ nervousness/ stress that have no underlying physical condition.

Treatment related to venereal diseases, drug abuse or alcoholism. 

If you are involved in manual labour which is of hazardous nature or engaged in an illegal or criminal activity.

Self-exposure to needless peril unless in an attempt to save the life of a fellow human.

If opting for treatment using alternate or experimental methods that have not been clinically recognized.

Some form of medicine other than modern medicine or Allopathy is used for treatment.

Cost of appliances like hearing aid, spectacles etc. that are used either for diagnosis or treatment.

Medical expenses incurred owing to complications arising out of pregnancy like childbirth, abortion etc.

Delay of baggage is not covered while coming back to India.

There is loss or damage to your passport owing to its confiscation or detention by the police, customs, military or any other government authority.

If you fail to report your loss within 24 hours of its discovery and thereafter fail to obtain an official report of the same.

If you lose your belongings because of your failure to take the necessary steps to safeguard them.

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HOW CAN I CANCEL MY TRAVEL INSURANCE?

As much as we’d like to continue our valued relationship with you, at Bajaj Allianz we respect your decision to cancel and allow you to do so at any time!

  • Before The Commencement Of Your Policy

    In case you want to cancel your Individual Travel Insurance Policy before the commencement of the policy term you need to:

     

    ·         Inform Bajaj Allianz of your decision to cancel the policy.

    ·         Additionally, you also need to send an email requesting cancellation.

    ·         Quote your policy number or schedule number in the email.

    Please note that a cancellation charge is applicable.    

  • After The Commencement Of Your Policy (If You Have Not Travelled)

    You might wish to cancel the policy after its commencement owing to the fact that you have not travelled. In such a case, you should arrange to send the following documents to the insurance company-

     

    ·         Proof that you have not travelled during the said period.

    ·         Scan or photocopy of all pages of the passport including the blank pages.

    ·         The reason behind the cancellation of the policy.

    ·         If visa rejection has led to trip cancellation, then a copy of the visa rejection letter.

    Based on the information shared, the policy would be cancelled within a working day of the receipt of all documents.

  • After The Commencement Of Your Policy (If Insured Has Travelled)

    Don’t get disheartened if your trip is curtailed! We are here to compensate for the remaining policy days!

    If your tour has ended before the expiry of your travel insurance policy, you would be refunded for the remaining days. This return would be subject to the fact that there have been no claims during the policy period and as per rates in the following table-

     

    Premium to be Retained by Company

    Period of Risk
    Percentage of Premium
    Above 50% of Policy Period
    100%
    Between 40-50% of Policy Period
    80%
    Between 30-40% of Policy Period
    75%
    Between 20-30% of Policy Period
    60%
    Policy inception-20% of Policy Period
    50%

Customer Reviews & Ratings

Average Rating:

 4.62

(Based on 5,340 reviews & ratings)

MADANMOHAN GOVINDARAJULU

Straight forward online travel insurance quote and price. Easy to pay and buy

PAYAL NAYAK

Very user friendly and convenient. Appreciate Bajaj Allianz team a lot.

KINJAL BOGHARA

Very nice services with affordable premium of Travel insurance

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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

Written By : Bajaj Allianz - Updated: 16th  May 2022

Disclaimer

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

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