Senior Citizen Travel Insurance

Senior Citizen Travel Insurance

Your golden years are yours to live in a way that makes your heart truly happy. Whether that means camping in Greenland to witness the magical Northern Lights or travelling to Japan to indulge in all the sushi you can, now is the time to not second-guess your desires. Just go for it!
If thinking about the risks associated to international travel is stopping you from living to the fullest, then Travel Insurance for Senior Citizens can help you Carpe Diem!

If you're 61 years old or above, Senior Citizens Travel Insurance is a special type of International Travel Insurance Plan designed especially for you. The risk factors associated with travelling at that age usually constrain many from checking countries off their travel bucket list. We don't want you to feel like you can't go shopping in Dubai or admire the Swiss Alps because of that.

Medical emergencies are a risk, we understand, and hospital bills in foreign currency can get expensive. Our Senior Citizen Travel Insurance Policy covers you for medical eventualities for only a fraction of the amount you would otherwise spend.

It also covers you against other common travel risks like personal accident and loss of baggage. We help take care of all these risks to reduce your personal liability and assist you when you're away from home so that you can travel worry-free.

Additionally, International Travel Insurance is now becoming increasingly mandatory in countries across the globe. For instance, you can't travel to most European nations without a Travel Insurance cover. Most standard Travel Insurance Policies, however, don't cover senior citizens.
Thus, our Senior Citizen Travel Insurance Plan helps you to be compliant with the statutory requirements while also having a cover that meets your specific needs.

Thus, our Senior Citizen Travel Insurance Plan helps you to be compliant with the statutory requirements while also having a cover that meets your specific needs.

Policy Information

ARE THERE ANY OTHER SPECIAL FEATURES?
Just like a pizza without its toppings, an Insurance Policy without special features that care for its customers is pointless.

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[B]
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.

[B]Cashless Hospitalization
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 sHole-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.

DO I HAVE ANY OPTIONS?
Yes, you can choose from our carefully curated Travel Insurance Plans below, that we've designed keeping in mind varying needs.

Travel Elite Age
When you're going away for a trip, you don't want anything to taint your experience that's supposed to be fun and relaxing. Our Travel Elite Age Plan helps you keep travel stressors at one hands distance.
This package is specially designed for you, if you're between the ages of 61 and 70. Offering a flexible cover for trips abroad ranging from 1 to 180 days, it is divided into 3 sub plans Silver, Gold and Platinum. 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.



Travel Elite Super Age
If you're 71 years old or above, and your wanderlust is as strong as ever, that's really cool and we want to help you keep that up. Our Travel Elite Super Age Travel Insurance Plan is made keeping you in mind.
We offer 3 plan variants, covering ages between 71 to 85 because we truly believe that when it comes to experiencing the joys of life, age is just a number. Additionally, to best meet your needs, we offer three options:

1. With Medical; While applying for Travel Insurance, you'll have to
undergo a pre-policy medical test.
2. Without Medical and 30 days in Advance If you opt for this
option,
then you don't need to go through a pre-policy test but only if your date
of departure from India is more than 30 days from the date of issuance
of the policy.
Taking care of all the possible undesirable situations that might crop up when you're away from home, from emergency hospitalization to loss of baggage, our Travel Elite Age and Travel Elite Super Age offer the following coverage.



Travel Prime Age
If you're between the ages 61 and 70 and are a seasoned traveler, you're more aware of travel contingencies than most around. But you have neither let travel troubles nor growing older dull your wanderlust. Admiring and respecting hat spirit, we've designed our Travel Prime Age Travel Insurance Package just for you.
From delay of checked baggage to medical emergencies and evacuation, with our comprehensive Travel Prime Age Policy, we've got your back.



Travel Prime Super Age
Most Travel Insurance Plans don't cover senior citizens and if they do, they always have an upper age limit. We wanted to change that and make the much-needed protection of a Travel Insurance Plan accessible to everyone.
Hence, we offer you our Travel Prime Super Age Plan that covers people above the age of 71. Whether you're 80 or 90, if your heart desires travel, we will back you up with our Travel Insurance over.



WHAT IF I AM IN URGENT NEED OF CASH ABROAD?
Cash is king no matter which country you go to. Being in a foreign land and in urgent need of cash can become a desperate situation if you have no one to fall back on. We don't want you to be in that situation ever and hence offer you the facility of Emergency Cash Advance.
You can use this facility in case of loss/ theft of luggage or money while staying abroad. The facility is provided by coordinating with your relatives staying in India as per the terms and limits stated in the policy.
Now, whether you're exploring wildlife in Brazil or relishing the Korean cuisine in South Korea and happen to lose your valuables or belongings, you can continue with your vacation with our Emergency Cash Advance facility.

IMPORTANT POINTS TO NOTE BEFORE BUYING TRAVEL INSURANCE FOR SENIOR CITIZEN

[INCLUSIONS]

1. Medical expenses, evacuation and repatriation
2. Home burglary
3. Hospitalization daily allowance
4. Trip curtailment
5. Loss of checked-in baggage
6. Personal accident
7. Loss of passport
8. Personal liability
9. Hijack
10 Trip delay
EXCLUSIONS

1. If there was a pre-existing medical condition that you were suffering
from before commencement of the policy
2. The insurance company would not bear your routine medical
examination abroad
3. Medical expenses arising after the expiry of policy term would not be
covered
4. If the injury has been caused by attempted suicide, or any self-inflicting
would then the same is not covered
5. If you are suffering from anxiety, nervousness, stress etc. from which
there is no underlying physical illness
6. Suffering from a venereal disease or illness caused due to drug or
alcohol abuse or any other intoxication
7. The suffering caused owing to being occupied with some manual work
of hazardous nature
8. If you have suffered because of exposing yourself to needless peril
unless in an attempt to save the life of someone
9. Coverage is not provided for undergoing experimental, unproven or
non-standard treatment
10. Pregnancy-related ailment resulting in childbirth, miscarriage or any
other complications arising thereof
11. 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
12.Coverage would not be provided for getting treated by any medicine
system other than modern medicine or allopathy
13. 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
14. 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
15. Delay of checked in baggage when the destination of travel is in India
16. In case you have not taken abundant precaution to keep your passport
protected

WHAT IF I NEED TO CANCEL MY TRAVEL INSURANCE POLICY?
Bajaj Allianz allows you the flexibility to cancel your travel insurance before or after the commencement of the policy period. There are different sets of procedures that you would have to follow in these two cases-

Before the Policy Commences
In 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 letter

On 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 Travelled
If 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: