Individual / Family Travel Insurance

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The Need For Travel Insurance

You take so much efforts on planning a trip abroad. The flights, hotel booking, places to explore, etc. the itinerary is all set. But what about the risks that you can be exposed to when on an overseas trip?

When on a far-off land, you wouldn’t even know whom to approach in case of an emergency. Unpredictable and unfortunate events are inevitable and not in your control. But what’s in your hand is to minimize the financial losses as much as you can.

That’s where the need for individual/family travel insurance arises.

It provides coverage for various misfortunate events right from medical expenditures, cancelled flight, baggage theft/loss, passport loss, etc.

Insurance

Types of Individual/Family travel insurance

  • Single Trip Travel Insurance

If you’re travelling just once a year, it is more sensible and cost-effective to select the single trip policy. It covers you right from the date you board the flight from India to the international destination and till your return date to India. The single trip works best for those who plan an annual family vacation.

  • Multi-Trip Insurance

If you’re travelling more than once a year, then choose our Annual Multi-trip plan. It covers you from the time you leave home till you return home and that too multiple times throughout the year. If you love shopping abroad or you’re a business traveler, then the multi-trip policy works best for you.

Insurance

Bharti AXA Individual/Family Travel Insurance Benefits

Inclusions Exclusions

Medical and Dental Expenses:

These include medical expenses, repatriation, emergency medical evaluation. Even dental care expenses such as acute anaesthetic treatment of teeth is covered

Personal Accident

Compensation for bodily injuries, permanent or partial disablement, death caused in an accident.

Daily Cash Allowance:

Payment of daily allowance for the number of days that the insured person is hospitalized beyond the specific number of days mentioned in the policy document

Loss of essentials:

Loss/theft of passport, documents, delay or loss of checked-in baggage is compensated

Legal Expenses:

All legal costs and expenses are covered in case of claims towards third-party liabilities that arise out of death or bodily injuries.

Trip cancellation/delay:

Be it because of problems due to airline, natural disasters, medical, or any other reason, compensation is given for trip cancellation, delay or interruption.

Emergency Accommodation:

Due to some natural disaster, if you aren’t able to stay in the original accommodation, you will be compensated for additional cost of emergency accommodation.

Hijack Distress:

In case if there is hijack on a common carrier for a certain number of hours, distress allowance is compensated.

Home and Fire Insurance:

Any kind of loss or damage of the things at your home back in India caused by theft/fire will be covered.

Cosmetic surgery:

If it’s being done just to enhance your beauty then don’t expect any coverage. Unless it’s essential as part of treatments for accidents when abroad.

Self-inflicted injury/harm:

Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. won’t be covered.

Participation in warfare:

Being involved in the naval, military, or air force operations won’t get you any coverage.

Performing professional and risky sports:

Participating in risky winter sports, like mountaineering isn’t covered unless specifically agreed and mentioned in the policy document.

Non-Allopathic treatment:

Yogic, homeopathic, unani, and ayurvedic treatments are strictly excluded.

Medical expenses due to unproven treatment:

You won’t receive any coverage for expenses with respect to unproven or experimental treatment.

Illegal Activity:

Don’t expect coverage if involved in a hazardous occupation or engaging in criminal activities while on the trip abroad.

Limitations in medical expenditure:

Daily allowance isn’t paid in case of hospitalization for certain pre-existing conditions.

Treatment that could be delayed until return:

No coverage is given, if the treating physician and the emergency service provider decide that the treatment could have been delayed until return to India.

Buy Travel Insurance by Destination

Looking to buy travel insurance for your dream trip abroad? Bharti AXA provides insurance for numerous destinations. You simply need to pick the destination of your choice and get all their details – right from the activities to perform, places to explore, cuisines to taste, etc. Learn everything about your destination and how Bharti AXA travel insurance is ideal for securing your trip.

Frequently Asked Questions

Have questions on anything and everything related to travel insurance? We’ve handpicked questions with answers that will help you understand everything you wanted to know about travel insurance. You’ll also get better clarity of our products and services. Go through it to find the solution to your query. If you need more information, you can always contact us here. Our executives will be glad to assist you.

 

  • What is the minimum and the maximum duration the insurance can be purchased?

The minimum duration is 2 days and the maximum duration varies for different plans but is within 356 days.

Non-Schengen products - 2 days to 182 days (extendable up to 356 days)

Schengen products - 2 days to 182 days

Annual Multi-trip plan - each trip duration shall not exceed the number of days opted in the policy

 

  • Are children and senior citizens covered?

Children from the age group of 3 months are covered. Senior citizens are also covered, with maximum entry age restricted to 85 years. For buying a policy covering people above 60 years of age kindly contact our representative at 080- 49010200.

Frequently Asked Questions

Resources

Right from blogs, engaging infographics and exciting videos, there is so much that you can learn and know about travel insurance and an individual’s travel journey. Be it tricks to pack luggage smartly or how to reduce travel insurance premium, we cover it all.

Make sure you stay tuned with our regular updates at our knowledge centre section.