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While travelling in the country, there are chances that a person can suffer from any medical emergency and the person doesn't have an adult loved one near them. Having a plan which can save a person’s life and bring any one of their adult family members to them can bring happiness and act as a lifesaver.
Bajaj Finserv has launched Travel (domestic) Emergency Medical & Compassionate Visit Indemnity cover, which helps in providing travel emergency medical cover and travel compassionate visit cover up to Rs. 1 lakh.
Plan Details
| Option 1 - Coverage | Sum Insured (Rs.) | ||
| Travel Emergency Medical Cover | 1 lakh | ||
| Travel Compassionate Visit Cover | 10,000 | ||
| Option 1 - premium (In Rs.) (Inc. GST) | |||
| Trip Duration\Age | Between 18 – 40 years | 41 - 60 years | Above 60 years |
| 00-10 Days | 54 | 83 | 166 |
| 11-20 Days | 128 | 217 | 473 |
| 21-30 Days | 199 | 345 | 766 |
| 31-60 Days | 340 | 600 | 1,352 |
| 61-90 Days | 552 | 983 | 2,231 |
| > 90 Days | 2,596 | 4,680 | 10,715 |
| Option 2 - Coverage | Sum Insured (Rs.) | ||
| Travel Emergency Medical Cover | 2 lakh | ||
| Travel Compassionate Visit Cover | 10,000 | ||
| Option 2 - Premium (In Rs.) (Incl. GST) | |||
| Trip Duration\Age | Between 18 – 40 years | 41 - 60 years | Above 60 years |
| 00-10 Days | 65 | 104 | 215 |
| 11-20 Days | 154 | 271 | 615 |
| 21-30 Days | 239 | 431 | 996 |
| 31-60 Days | 402 | 700 | 1,512 |
| 61-90 Days | 655 | 1,148 | 2,496 |
| > 90 Days | 3,095 | 5,479 | 11,995 |
What's covered
-
Travel Emergency Medical Cover
On the occurrence of any Illness contracted or Injury sustained by an Insured Person due to an Accident in a Place of visit, whilst on a Trip, which requires Emergency Care, We will pay the following Medical Expenses incurred, as per the limit specified in the Policy Schedule / Certificate of Insurance:
-In-patient treatment and/or Day Care treatment in a local hospital at the place the Insured Person is staying at the time of occurrence of an Insured Event.
-Medically Necessary charges towards Hospital Room and Boarding, Intensive Care Unit, Surgery (Includes Operation room charges, Surgical Appliance, Surgeon fee and Implant charges), Anesthetist services, Medical Practitioner's visit fees, Specialist fees, Miscellaneous expenses towards In-patient treatment.
-Diagnostic tests and all Reasonable and Customary Charges towards diagnostic methods necessary for the treatment of the Insured Person, provided these pertain to the Illness/Injury due to which the In-patient Treatment was deemed medically necessary.
-Reasonable costs incurred on transportation by a surface Ambulance, immediately following the Accident, including costs incurred for medically necessary care carried out in the course of such transportation, to the nearest hospital, or to the nearest Medical Practitioner, or to any special clinic if prescribed as such by a Medical Practitioner.
-Miscellaneous expenses: Includes but not limited to cost of medicines/ Pharmacy/ Drugs/ Supplies, nursing charges, External medical appliances as prescribed by a registered Medical Practitioner as necessary and essential as part of the treatment on actual, Blood storage & processing charges, other services which are not part of any other above given heads. -
Travel Compassionate Visit Benefit
-If the Insured Person is Hospitalized for more than seven (7) consecutive days in a Place of Visit whilst on a Trip, and no adult Immediate Family Member is present, the amount will be paid incurred by anyone Immediate Family Member for obtaining return tickets in economy class on a Common Carrier to visit the Insured Person, and expenses for the duration of the stay in the Hospital up to the limit as specified in the Policy Schedule /Certificate of Insurance, provided that the attending Medical Practitioner certifies in writing that it is not advisable that the Insured Person travel back to Place of Origin based on the medical condition, and that he/she would benefit from the visit of an Immediate Family Member.
-If an Immediate Family Member of the Insured Person is Hospitalized in Place of Origin for more than seven (7) consecutive days or in the event of their death, whilst the Insured Person is in a Place of Visit on a Trip, the amount will be paid incurred by the Insured Person for obtaining return tickets in economy class on a Common Carrier to his usual place of residence to visit the Immediate Family Member up to the limit as specified in the Policy Schedule/Certificate of Insurance, provided that the attending Medical Practitioner certifies in writing that such Immediate Family Member would benefit from the Insured Person’s visit.
What’s not covered
-
- Travel emergency medical cover - Insured is applicable to claim under this policy only after hospitalization of 48 hrs, as cover eligibility is after continuous hospitalization of 48 Hrs.
- Travel Compassionate visit benefit – can only be claimed once in a policy year
*For a full list of exclusions, please refer to the policy wordings.
How to apply
1
Click on the ‘Buy Now’ button on this page and share your basic details in the online application form.
2
Check and confirm your application by entering the OTP received on your mobile number.
3
Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.
4
You will receive the details of your membership via email/WhatsApp.
Claim process
- Insurer’s Email: servicesupport@manipalcigna.com
- Insurer’s Toll free number: 1800-102-4462
Contact Us
In case you have any queries about coverage, exclusions, or claims, please write to us at wecareinsurance@bizsupportc.com.
Disclaimer - Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above-mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage under ManipalCignaFlexiCare Group Insurance Policy, UIN: MCIHLGP20120V011920. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third-party products.