Family Travel Insurance Policy

WHY BAJAJ ALLIANZ TRAVEL INSURANCE?
When it comes to choosing something for your family, you'd only want the best. Family Travel Insurance is no different! Over the years, we've gained an intimate understanding of your travel insurance needs which forms the basis for our customized Family Travel Insurance plans.
CNBC has honored us with the coveted Best Travel Insurance Company award in the insurance companies segment. Here are some of the distinct features and benefits of our Family Travel Insurance plan:

24X7 toll-free Customer Support anywhere in the world.
Quick and easy settlement of claims.
Emergency Cash feature lets you get cash anywhere in the world.
Emergency assistance in case of loss of baggage, loss of passport or
other incidental expenses.
Hospitalization expense cover in case of bodily injuries to you or your
family.
Flight cancellation or curtailment coverage.
Burglary coverage.
Global network of claims servicing partners spanning multiple countries.
Cashless treatment facility.

Is buying Family Travel Insurance worth the money? Certainly. Consider this: For a premium of just Rs. 1400, you can get coverage worth US$ 50,000 for your family for a 15 day trip to UK.

AWARDS AND RECOGNITIONS
We were the proud recipients of the CNBC Best Travel Insurance Company Award in 2010, 2011 and 2014. Thank you for your trust in us. It drives us to exceed your expectations every day!

[ Policy Information]

ONLINE FAMILY TRAVEL INSURANCE PLAN
Getting Family Travel Insurance becomes an absolute necessity especially when you consider health hazards like excessive pollution, adulterated food and accidents, especially knowing how excited kids can get on a vacation. Medical treatment in a foreign land may also be many times more expensive.
Road accidents and stolen baggage are also common in some parts of the world. While you should be careful of your belongings, Family Travel Insurance can give you protective cover in an emergency.
Whether you are going to Japan or exploring the mysteries of Europe, being prepared can make all the difference!
That is why, Bajaj Allianz offers a range of Family Travel Insurance solutions online that give you value for money and comprehensive coverage. If you've been unable to make up your mind about which policy to buy or wondering what a certain policy covers, you'll find answers to all your Family Travel Insurance Policy questions on our website. Browse, select, pay within a few clicks, and all at your convenience!

Immediate and Accurate Quotes
The most important benefit that you get by purchasing Family Travel Insurance online is that you get accurate quotes instantly. So, whenever you need to purchase a Family Travel Insurance policy, you can compare the policy covers, terms and conditions etc. easily, and make an informed decision.

Easy Access To Policy Related Information
The best thing about purchasing Travel Insurance Plan online is that you have easy access to all relevant information. Instantly check what different policy covers have to offer and choose one that suits you the most. Making the process even easier, BOING, our interactive chatbot gets you quick answers to any policy related questions.
Did we mention that our website also helps you avoid information overload syndrome by presenting the product and its features in an easy & interesting way?

Saves Time
There are so many things to take care of when planning an international trip that you are always running short of time. Whether you're a student scouting for a university programme abroad or a senior citizen hoping to get your feet wet in the sunny surf at a beach in Hawaii, you can find tailored travel insurance solutions, in an absolutely hassle free manner
Don't take our word for it! Visit our website and see for yourself how our online travel insurance options can save you hours of research. Use that time to fantasize about your upcoming trip instead!

[Travel Insurance Claim Process]

Easy, Hassle Free And Quick Claim Settlement
We always hope that your travels are free from any signs of trouble. But just in case something goes wrong, and you need to file a claim, we'll be there for you round the clock. All you need to do is give us a missed call on our Global Travel Helpline Number +91 124 6174720 or call us on our Toll Free Number 1800 209. Once you connect with us, our representative will walk you through the entire process.
The travel insurance claim process will change depending on whether your claim is to be settled on a cashless basis or reimbursement basis.

If your claim is a cashless claim:
You get in touch by phone or email. Our advisor will help you with any
issues regarding the further process
For quick and hassle-free settlement, do keep the necessary documents
handy
Once you share the document and we're able to verify the claim, we will
share an update on the acceptance of it
In case we need some additional information, we'll get in touch with you
for clarification through a query letter
If your claim is approved, you can rest assured that we'll take care of the
rest. We will take up coordination with the healthcare provider and issue
them a Guarantee of Payment letter
If, unfortunately, your claim is denied, you will have to settle the bills
with the provider accordingly

If you're claim will be processed via reimbursement, these are the steps:
You will have to file a claim with us by submitting your medical
documents from the healthcare provider. These will be processed by
our dedicated, in-house Health Administration Team (HAT), who will
quickly process the same
Once processed, your claim will be verified on the basis of the details
you provided, vis-vis the benefits you've opted for and authenticity of
the documents and other details shared

If the documents are found to be insufficient:
You will be asked to shared supplementary documents, as per your case The details of the documents required will be communicated to you via
mail
Once you share the additional documents, the processing of your claim
will resume. If we don't receive the same from your within 15 days of
the initial notification letter, we will send you a reminder. We will send
you 3 reminders, post which, if we still don't receive the documents,
your claim will be denied citing lack of sufficient information
You will receive your claim approval/denial details via mail as well

If your claim is declined:
After reviewing your claim request and the documents shared, your
claim may be declined based on the terms and conditions of the policy In this event, you will receive a repudiation letter from us, conveying our stand

If your claim is approved:
If everything is in order, and your claim is as per the conditions laid down in the policy, we will fast-track the process to settle your claim. You should receive the payment towards your claim via NEFT, directly into the bank account that you shared the details for

[What does Our Travel Policy Cover?]

Travel Companion Plan
Travel Companion is a basic travel plan that you should have whenever you are travelling internationally. It covers medical expenses of your family while abroad.
Here's what this plan offers:



Travel Elite Plan
This plan gives you much wider protection as compared to Travel Companion Plan. In addition to offering benefits offered by Travel Companion Plan, this plan also covers loss of checked baggage, hijack, emergency cash advance, etc.




Travel Prime Plan
Travel Prime Plan also offers similar coverage as Travel Elite Plan. However, in this plan, the coverage amount is much greater.
Under this plan, you get a wide range of policies from which you can have your pick. Each of the policies under this plan is customized to meet your specific needs.
Regardless of whether you're 21 years of age or 60; a businessman or a student, you can find a policy that is best suited to you. For the various needs of the average traveler, we have dedicated solutions.
The Travel Prime Plan comes in three specialized variants as below:




WHY DO I NEED FAMILY TRAVEL INSURANCE?
Whether you've just given in to your kids persistent demand to go on an African Safari or have had it on your bucket list for a while, we are sure you'll enjoy every moment of your travels! But travelling with family involves a lot of planning.
Even if you've checked off every last thing that you might need on the trip, there's always something more that you think you should carry along, just in case! Like that shiny new selfie stick you got last week for taking panoramic family shots!
And then you remind yourself that packing everything but the kitchen sink will do nothing but give you sore wrists carting around all that luggage. Ah, and then there are the baggage limits to think about too! Whew! Now, let's see, booking flights, hotels...all done. But wait, what about Family Travel Insurance?
Travelling abroad is not free from risk. Family Travel Insurance covers you from a host of different risks that might arise during your travel to international destinations. Delayed baggage, bodily injuries or loss of passport are just a few of the problems you might have to contend with. Thankfully, Family Travel Insurance saves you from the financial hassles involved.
When you are at an international destination, a skiing accident or loss of baggage can turn your dream holiday into an unfortunate saga! Family Travel Insurance takes care of it for you!
So, fasten your seatbelts, and head off, worry-free, for some quality time with your loved ones!

IMPORTANT POINTS TO NOTE BEFORE BUYING FAMILY TRAVEL INSURANCE

[INCLUSIONS]

1. Medical and hospitalization
2. Trip cancellation and curtailment (not available for travel companion
family plan)
3. Loss of passport/baggage
4. Personal Liability
5. Flight delay(not available for travel companion family plan)

EXCLUSIONS
1. Pre-existing condition or illness
2. Medical expenses beyond the expiry of the policy period.
3. Suicide, attempted suicide or willfully self-inflicted injury or illness,
anxiety/stress/ depression/nervousness, abuse of drugs.
4. Manual work or hazardous occupation, self-exposure to needless peril
(except in an attempt to save human life), engaging in any criminal or
illegal act.
5. Pregnancy, resulting in childbirth, miscarriage, abortion, or complication
arising out of any of the foregoing.
6. Experimental, unproven or non-standard treatment.
7. Treatment by any other system other than modern medicine (also
known as Allopathy).
8. The cost of spectacles, contact lenses, hearing aids, crutches and all
other external appliances and/or devices whether for diagnosis or
treatment.
9. Delay of baggage when the intended destination is in India.
10. Loss or damage to the insured's passport as a result of the confiscation
or detention by customs, police or any other authority.
11. 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.
12. Loss caused by the insured's failure to take reasonable steps to guard
against the loss of passport.