Senior Citizen Travel Insurance

What is Senior Citizen Travel Insurance?

Your golden years are a time to explore the world and create unforgettable memories. Whether it's camping in Greenland under the Northern Lights or savouring authentic sushi in Japan, Bajaj Allianz General Insurance Company ensures nothing holds you back. With senior citizen travel insurance, you can pursue your adventures worry-free.

If you’re 61 or above, this plan is made to protect you against risks specific to your age. From travel insurance over 65 to travel insurance for seniors over 75, Bajaj Allianz General Insurance Company offers plans that cater to different needs. The best travel insurance for seniors covers medical emergencies, trip delays, check-in baggage loss, and personal accidents.

Additionally, many countries mandate travel medical insurance for seniors. While standard plans may not include senior coverage, Bajaj Allianz General Insurance Company bridges this gap with specialised options, including travel insurance for seniors over 70. Travel confidently, knowing you're protected against unforeseen events while enjoying your retirement to the fullest.

Features of Bajaj Allianz Senior Citizen Travel Insurance

Bajaj Allianz provides several plans, including Travel Elite Age and Travel Prime Age. These plans cater to different age groups, such as travel insurance over 65 and seniors over 75. They offer flexible coverage options for trips ranging from 1 to 180 days. The plans come in Silver, Gold, and Platinum, providing varied coverage amounts to suit different needs.

On-Call Support Anywhere in the World

Now, wherever you go to enjoy your holidays, if you find yourself in a distressing situation, all you need to do is give a missed call on our toll-free number +91-124-6174720. Our customer service representative will connect with you on a priority basis.

Quick Claim Settlement

We’ve aligned our processes and people to ensure that when it comes to claim settlement, it’s as quick and hassle-free for you as it can be.

Automatic Claim Settlement with Trip Delay Delight

We aim to take care of your needs before you even realize them. With our add-on feature, Trip Delay Delight, available on our mobile app, your trip delay claims will be settled before you even register them. We keep a track of claim events and initiate the pay-outs accordingly, automating the entire process.

Cashless Hospitalisation

Our Travel Insurance Policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).

Home Burglary Insurance

Burglars get to work when homeowners are away. That’s a scary prospect to ignore and go on a vacation but it’s also easily manageable. Our Travel Insurance offers Home Burglary Insurance so that you can pack your bags and leave anytime you desire.

Golfer’s Hole-in-one

Our Travel Insurance Policy also fuels your love for sports. If you feel like swinging the golf club during your trip, we’ll cheer you on. The Golfer’s Hole-in-one is our sporting gesture that offers reimbursement of expenses in celebrating a hole-in-one by you during the trip, anywhere in the world (excluding India) in a United States Golfers' Association recognized golf course. This cover is provided in Travel Elite Age & Travel Elite Super Age.

Why Choose Bajaj Allianz General Insurance Company for Senior Citizen Travel Insurance?

Bajaj Allianz General Insurance Company offers some of the best travel insurance for seniors over 70, with plans designed for every traveller. From comprehensive coverage for medical expenses to cashless hospitalisation and protection against unforeseen risks, Bajaj Allianz General Insurance Company ensures seniors can travel worry-free. The travel insurance for elderly plans includes 24/7 support, trip delay compensation, and even home burglary insurance, offering reliability and convenience.

Senior Citizen Travel Insurance Plans

Yes, you can choose from our carefully curated Senior Citizen Travel Insurance Plans below, that we’ve designed keeping in mind varying needs.

What If I Am in Urgent Need of Cash Abroad?

In emergencies, being in urgent need of cash can be stressful. Bajaj Allianz’s travel insurance for elderly includes an emergency cash advance feature. This ensures that you have access to funds when you need them most, regardless of your location.

Important Points to Note Before Buying Travel Insurance for Senior Citizen

Inclusions

- Medical expenses, evacuation and repatriation

- Home burglary insurance

- Hospitalisation daily allowance

- Trip curtailment

- Loss of checked-in baggage

- Personal accident

- Loss of passport

- Personal liability

- Hijack coverage

- Trip delay compensation

Exclusions

- If there was a pre-existing medical condition that you were suffering from before commencement of the policy

- The insurance company would not bear your routine medical examination abroad

- Medical expenses arising after the expiry of policy term would not be covered

- If the injury has been caused by attempted suicide, or any self-inflicting would then the same is not covered

- If you are suffering from anxiety, nervousness, stress etc. from which there is no underlying physical illness

- Suffering from a venereal disease or illness caused due to drug or alcohol abuse or any other intoxication

- The suffering caused owing to being occupied with some manual work of hazardous nature

- If you have suffered because of exposing yourself to needless peril unless in an attempt to save the life of someone

- Coverage is not provided for undergoing experimental, unproven or non-standard treatment

- Pregnancy-related ailment resulting in childbirth, miscarriage or any other complications arising thereof

- Cost of medical appliances such as contact lenses, spectacles, hearing aid, etc. that are used either for the purpose of diagnosis or treatment would not be covered

- Coverage would not be provided for getting treated by any medicine system other than modern medicine or allopathy

If your passport has been confiscated by the police or customs or any other such authority, then it would not be treated as a loss of passport and hence not covered

If a report of the loss of passport has not been filed and an official report has not been obtained in this regard within 24 hours of the discovery of the loss

Delay of checked in baggage when the destination of travel is in India

In case you have not taken abundant precaution to keep your passport protected

What If I Need to Cancel My Senior Citizen Travel Insurance Policy?

Bajaj Allianz General Insurance Company allows policy cancellation both before and after the commencement of the policy. If you haven’t travelled, you can cancel the policy with a nominal charge. If you have already travelled, refunds are available based on the unused policy period, provided no claims have been made. There are different sets of procedures that you would have to follow in these two cases-

Before the Policy CommencesIn this case you need to inform us about your intent to cancel the policy. You can send us an email letting us know about your intention of cancelling the policy by quoting the schedule or the policy number. In such cases, a cancellation charge will be levied.

After the Policy Start Date – In Case You Have Not Travelled You can cancel your policy after the policy term has started in case you have not travelled. In such a case you must send an official communication stating the reason behind cancellation to us with the following documents:

- A document proving that you have not travelled overseas

- Photocopy or scan of all the pages of the passport including the blank pages

- If your visa has been rejected by the embassy of the destination country, then the copy of that visa rejection letterOn receipt of the above documents along with your letter, it will be sent for approval to the underwriter. Based on the approval of the underwriter, the policy would be cancelled within one working day

After the Policy Start Date – In Case You Have TravelledIf you have returned early from the trip before the scheduled expiry of the policy, then you are eligible for a refund. The refund would be subject to the fact that no claim has been made during the term policy was in force. The rates of refund would be dependent on the following table:Premium to be Retained by Company

Why should I take Travel Insurance offered by Bajaj Allianz as compared to others?

You are right in saying that there are number of different insurance options. You do have the freedom to choose any one! But before making a choice consider these special features offered by us as part of our Travel Insurance Plan:

- 24*7 Toll-Free Support

Whenever in distress you just need to give a missed call on our toll-free number +91-124-6174720. Our customer care representative will get back to you in no time for resolution of your issues. Thus, no more worries about international call charges at the time of distress!

- Quick Settlement of Claims

We have designed our systems to ensure that your claims are processed in no time. We have one of the fastest turnaround times in the industry and our customers can vouch for that.

- Trip Delay Delight for Automatic Claim Settlemen

Yes, you saw it right! We’ve introduced a new feature (Trip Delay Delight) which keeps track of claim events and initiates the payout even before you file for the same. This has been put in place using sophisticated block chain technology, that intimates us of trip delays and allows us to immediately act on ensuring that our customers are not left in the lurch because of the same.

- Home Burglary Insurance

While you are enjoying your vacation at an exotic destination, we ensure that your beloved home stays protected. Should a break in happen while you are away, we will cover your losses.

- Cashless Hospitalisation

God forbid if you fall ill in a foreign country and are hospitalised, we will offer direct settlement of your in-house hospital expenses. This is, however, subject to limits specified within your policy document.

Each of these sub plans offer different amounts of coverages and you can opt for any one of them depending upon your needs and preferences