Individual / Family Travel Insurance

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The Story So Far

An overseas trip has leisure written all over it. The anticipation leading to the journey is filled with excitement. Planning and preparations can go on for months. From accommodation to food, currency to visa, there are numerous things needed to be considered, before taking off. Once you land in your destination, a series of surprises await you. The good ones transform into memories. It is the unpleasant surprises that play a spoilsport. Within a matter of minutes, the entire joy can overturn. To better understand this, read the story of Rajesh and his family.

Rajesh and his friend, both entrepreneurs, decided to go on a family vacation to Europe.  Being the first foreign trip for the entire group of 8 people, no one was short on enthusiasm. This dream trip meant a lot to Rajesh,who turned 40 recently.The entire booking and inquiries were done by him. The moment they were all waiting for, had arrived as they landed at their first international destination. Little did they know about the shock that awaited them. 

Insurance
Insurance

As they stood to wait for the bags to arrive one by one, they realized, it was only Rajesh’s suitcase that had not come. Even after hours and hours of running around, they could not locate the suitcase. His medicines and warm clothes, very important for the trip, were in the bag. Due to this, they had to let go of a couple of tourist spots planned for that day. The biggest disappointment came to Rajesh when the airport authorities asked him if he had an international travel insurance plan. He realized that the flight company will reimburse his loss, but the process will take a lot of time. Had he choose not to ignore his ticket agent's suggestion to take insurance, he would have benefitted from the ‘baggage delay clause’. In the end, Rajesh couldn’t wait and he incurred the expenses to get the necessary clothes and medicines himself. 

The Need For Travel Insurance

Despite being low cost, many choose to ignore travel insurance in India. Rajesh was one among them. Baggage loss is one of the many risks one is exposed on an overseas trip. Loss of passport, theft, accidental injury, are some of them. A medical treatment outside India could increase your travel budget excessively. Being in a far-off land, we do not know the right place to go or the right person to approach, in the case of an emergency. The distance between home and the land of strangers seems much more. It is for situations like these that having an overseas travel insurance plan becomes important.

 

Insurance
Insurance

A travel insurance policy provides the necessary support on an overseas trip. It covers your medical expenditures and also provides assistance in case of theft or any loss. Also, with this insurance plan the inconvenience of a missed connection. The fear of losing the passport always lingers in an abroad trip. This situation can get you all worked up and restless on a trip you took to relax. A travel insurance plan, in this case, helps you get the passport within hours, without any hassle. Reason why your checklist before any international trip should have ‘buy travel insurance online for you and your family’ checked.
 

At Bharti AXA Travel Insurance

We understand that an international trip is like a much-needed break. It is also for those looking to explore new destinations and cultures. In any case, an unfortunate event can cause double misery. Take Rajesh’s story, for instance, his family vacation was affected at the start itself. The disappointment he and his family went through was stressful for the entire trip. In 2015 alone, 23 million bags were mishandled globally [1]. Though the probability of a baggage being mishandled is 6.5 out of a thousand, it still means every traveler is exposed to the risk. 

Insurance
Insurance

Medical emergencies too can be a major issue when people travel abroad. Language barrier and lack of information can make the situation worse. Our travel insurance plan, not only provides complete protection in case of medical emergency. It also acts a very important support system in the foreign land. Our team will back you 24/7 in any part of the world you need help. This way you can have a pleasant trip with your family, while our international travel insurance will always be there to take care. Theft, loss of passport and trip cancellation are also some unfortunate events that our online travel insurance plan covers you from. What’s more, we also cover your home in India from fire and burglary while you are traveling abroad.

Sources
1. http://www.m2mi.com/files/SITA%20-%20The%20Baggage%20Report%202016.pdf

 

Benefits

  • Instant policy

Planning for an international trip takes a lot of time. Purchasing our travel insurance online helps you get the right protection in a matter of minutes.

  • No health check-up for up to 70 years

You read that right, with our travel insurance you don’t have to worry about getting a medical test for anyone in your family, within the age of 70 years.

  • 24x7 worldwide AXA assistance

AXA Worldwide, a global leader in insurance takes care of you 24/7 when you are traveling. This way, you are sure your leisure trip will be filled with only pleasant surprises.

  • Recognized by Schengen* Embassies
  • Covers all travel related emergencies

Our travel insurance plan covers you against unfortunate events like medical emergencies, theft, loss of passport, study interruption among many other such emergencies.

1. Non-Schengen Travel Insurance

This is for the people traveling to major countries like US, UK, Canada, Japan, Australia etc. We have 5 flexible variants to fit your travel requirements. Your trip needs to have a minimum duration of 2 days and a maximum of 182 days which can be extended up to 356 days.

Basic cover Insurance Plans

2. Schengen Travel Insurance

If you are traveling to Schengen countries, travel Insurance is compulsory. Bharti AXA’s travel insurance is recognized by the Schengen embassies. You can choose your plan from 3 variants to fit your travel needs. Please understand specific requirements from the Schengen visa authorities before buying the policy.

Schengen Products Insurance Plans

3. Annual Multi-trip

We recommend Annual Multi-trip plan in case you travel abroad more than once in a year. The maximum duration of the trip in a year can be 30 days, 45 days or 60 days depending on the type of plan selected in the policy.

All plans cover persons in the age group of 3 months to 60 years. Families are covered under family floater policies where family comprises of spouse and up to 2 dependent children below 23 years of age.

Annual Multi Trip Insurance Plans

Travel insurance advantages
Inclusions Exclusions

  • All the medical expenses also include returning to India and evacuation in case of medical emergencies.
  • Death, permanent total disability and permanent partial disability due to accident
  • Additional benefit in the event of an accidental death or permanent total disability, if traveling in a common carrier
  • Reimbursement of the actual expenses paid by you for loss of passport, traveler cheques, tickets or documents
  • Benefits for loss or delay of checked-in baggage
  • Refund of the expenses in case of trip delay or cancellation
  • Loss due to burglary or fire at your home in India while you are traveling abroad

  • Pre-existing diseases are not covered unless under it becomes a life threating situation
  • Cosmetic surgery, unless the surgery is medically necessary as part of treatment for accidents or burns while traveling
  • Injuries due to hazardous activity or sports
  • Loss due to terrorist activities
  • Partial loss of items in checked-in baggage
  • Loss of passport if it is left unattended in public and not reported to police within 24 hours

Frequently Asked Questions

Have a question on Bharti AXA travel insurance, that will help you with the decision-making? Look at these Frequently Asked Questions and you may find the answer. These carefully selected questions will help you understand our products and services better. However, if you still need more information, you can always contact us. Our executives will be glad to assist you.

Frequently Asked Questions