Bajaj Allianz General Insurance-Travel Companion

Travel is always rejuvenating. Exploring exciting destinations, capturing lifetime memories, making the most of every minute. When you travel across the globe, safeguarding these experiences becomes even more essential, and Bajaj Allianz Travel Companion does just that for you.
Bajaj Allianz Travel Companion covers the needs of the international travellers. With options of taking an individual plan, family floater, or for students, senior citizens-- this plan covers incidental expenses like loss of baggage and passport, medical emergencies, personal accident, protection against personal legal liability, hijack, and more.

 

Key Features and Benefits


The key features covered under this policy are as follows:

  • Customized plans for varied needs

    The Travel Companion Plan offers a wide-range of travel plans for every travel need; from individual plans like travel care, travel secure, travel value, travel Asia to a family plan - travel family and even a senior citizen plan - travel age. Special plans are also available for corporates and students.

  • Personal accident

    The policy covers personal accident for travellers, which will be 50% of the maximum sum assured in the death of the insured person below 18 years. It also covers the medical expenses and repatriation, including medical evacuation to a hospital in India pre-approved by the claim administrator.

  • Cashless services

    This policy offers the insured direct settlement for in-hospital medical expenses abroad, subject to the policy terms and conditions.

  • Emergency advance cash benefit

    This is an assistance service that provides emergency cash advance during incidents such as theft or burglary of luggage or money or hold-ups. They coordinate with the insured person's relatives in India to provide emergency cash assistance to the insured person as per his requirement, including the delivery charges.

  • Loss of checked baggage

    This policy covers the loss of checked baggage. The maximum cost cover per baggage will be 50%, and per item in the baggage will be 10%.

  • Golfer’s hole-in-one

    A unique sporting gesture offered in this plan covers expenses incurred on celebrating a hole-in-one. This is valid worldwide (except India), at any golf course recognized by the United States Golfer’s Association.

Premium for Travel Care Variant under Travel Companion

The plan variants for this policy are as follows:

Premium Table(US$50000) (In Rs.)
Excluding USA/Canada Including USA/Canada
Age 1/2-40 yrs. 41-60 yrs. 1/2-40 yrs. 41-60 yrs.
Days of Travel
1-4 356 417 552 677
5-7 422 458 637 712
8-14 614 687 908 978
15-21 647 726 970 1,110
22-28 726 828 1,110 1,251
29-35 908 1,050 1,372 1,574
36-47 1,050 1,212 1,574 1,797
48-60 1,231 1,432 2,135 2,901
61-75 1,515 1,755 3,159 4,227
76-90 1,815 2,079 3,782 5,117
91-120 2,314 2,759 4,539 6,052
121-150 2,625 3,114 5,251 6,897
151-180 3,337 3,915 6,185 7,609
premium quoted here is exclusive of applicable Service tax/Cess/statutory levies/other taxes etc. and the quoted premium along with applicable Service tax/Cess/statutory levies/other taxes has to be received by our Company prior to our assuming risk

*To know more about the premiums of other travel variants, kindly refer the policy wordings.

How to Purchase the Policy

To buy the Bajaj Allianz General Insurance Travel Companion Policy please follow the below steps:

  • To apply for the product, click on ‘Apply Now’ and fill in the necessary details in the application form.
  • Make the fee payment online..
  • If required opt for a call back from our representatives or complete the process by clicking ‘Buy now'.

How to Process the Claim

Here are a few steps to process your claim:

For Cashless Travel Insurance Claim

• Send in the minimal documents, and the insurer will verify them against the policy

• The insurer will send a payment letter guarantee to the healthcare provider within two working days

• The insurer will send a query letter to the insured and the healthcare provider asking for some more information wherever needed

• On receiving the information requested, the insurer payment letter guarantee is released after due diligence within three working days

For travel insurance reimbursement claim

• Collect and submit all hospitalization related documents

• Customary verification of all required documents is carried out

• Intimation of any deficiency of information is sent with enough time to provide further information

• Upon receiving the requisite documents and further scrutiny, the general insurance claims settlement process is initiated, and the payment released via NEFT in an Indian bank account within ten working days

• In case of failure to provide us with the pending paperwork, three reminders are sent, each 15 days apart, from the date of intimation

• In case the pending documents are not shared within three reminders (45 days) from the date of intimation, the claim will be closed, and an intimation sent.

• If the general insurance claim doesn’t fall within the policy’s purview, the claim is denied, an intimation is sent will deny the claim and send you a letter stating the same.

Cashless overseas hospitalization

• Visit any of the nearest healthcare providers for urgent treatment or rehabilitation. In case the bills exceed USD 500(Rs. 37,466), apply for our cashless facility

• In case the bill is less than USD 500 (Rs. 37,466), file a hassle-free reimbursement claim

• Intimation for the claim needs to be made by your colleague or co-traveller within 48 hours through any of the following ways:

Email: travel@bajajallianz.co.in


Call us at +91-20-30305858 (chargeable)

Major Policy Exclusions

The Bajaj Allianz Travel Companion Policy does not cover losses under the exclusions mentioned below:

  • Medical condition or complication arising from a pre-existing condition from before the commencement of the policy period
  • Routine physical or other examination where there is no objective indication of impairment of normal health
  • Suicide, attempted suicide or wilfully self-inflicted injury or illness, mental disorder, anxiety, stress, depression, nervousness having no underlying physical condition as a cause; venereal disease, alcoholism, drunkenness, or the abuse of drugs
  • Manual work or hazardous occupation, self-exposure to needless peril (except to save human life), or if engaging in any criminal or illegal act
  • Pregnancy, resulting in childbirth, miscarriage, abortion, or complication arising out of any of the preceding
  • Delay of baggage when the intended destination is in India
  • Loss or damage to the insured's passport as a result of the confiscation or detention by customs, police, or any other authority
  • 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
  • Loss caused by the insured's failure to take reasonable steps to guard against passport loss

Claim/Assistance Contact Details

BFL Helpline Number: 08698010101

Bajaj Allianz General Insurance Helpline Number: 1800-209-0144 /1800-209-5858

E-mail –  wecare@bajajfinserv.in

Mailing address:Ground Floor, Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar, Pune – 411014.


*For claim related issues please refer to your policy document or certificate of insurance (COI).

Disclaimer

“Bajaj Finance Limited (‘BFL’) is a registered corporate agent of third party insurance products of Bajaj Allianz Life Insurance Company Limited, HDFC Life Insurance Company Limited, Future Generali Life Insurance Company Limited, Bajaj Allianz General Insurance Company Limited, Tata AIG General Insurance Company Limited, Oriental Insurance Company Limited, Max Bupa Health Insurance Company Limited, Aditya Birla Health Insurance Company Limited and Manipal Cigna Health Insurance Company Limited under the IRDAI composite registration number CA0101.
Please note that BFL does not underwrite the risk or act as an insurer. Your purchase of an insurance product is purely on a voluntary basis after your exercise of independent due diligence on the suitability, viability of any insurance product. Any decision to purchase an insurance product is solely at your own risk and responsibility and BFL shall not be liable for any loss or damage that any person may suffer, whether directly or indirectly. This product provides insurance coverage. Please refer to the insurer's website for Policy Wordings. For more details on risk factors, terms and conditions and exclusions please read the product sales brochure carefully before concluding a sale. Tax benefits applicable if any will be as per the prevailing tax laws. Tax laws are subject to change. BFL does NOT provide Tax/Investment advisory services. Please consult your advisors before proceeding to purchase an insurance product.”