Bharti AXA Travel Insurance
BHARTI AXA Travel Insurance offers comprehensive coverage that helps protect you against common travel issues such as lost baggage, missed flights, trip delays, and medical emergencies. With reliable support and wide-ranging benefits, it ensures peace of mind throughout your journey.
Features and Benefits of BHARTI AXA Travel Insurance:
For those travelling abroad, BHARTI AXA Travel Insurance has tailored three different kinds of insurance;
Pre- Underwritten products, Schengen Travel Insurance and Annual Travel Insurance. Following are some of the features and benefits of each type of insurance:
- Pre- Underwritten products
- Schengen Travel Insurance Policy
- Annual Travel Insurance Policy
1. Pre- Underwritten products
With this product, you can travel for a minimum of two days. The policy is extendable up to a maximum of 356 days. There are five variants under this policy: SmartTraveller Silver, SmartTraveller Regular, SmartTraveller Gold, SmartTraveller Essential and SmartTraveller Basic.
Following are the rates of each of the plans:
Pre- Underwritten products: | ||||||||||||||
Particulars of Benefit | Smart Traveller - Basic | Smart Traveller - Regular | Smart Traveller - Essential | Smart Traveller - Silver | Smart Traveller - Gold | Deductibles | ||||||||
Section | Particulars of Benefit | Smart Traveller - Basic | Smart Traveller - Regular | Smart Traveller - Essential | Smart Traveller - Silver | Smart Traveller - Gold | ||||||||
Medical Expenses (inclusive of Emergency medical evacuation and transport of mortal remains of insured) | US$ 50000 | US$ 100000 | US$ 200000 | US$ 300000 | US$ 500000 | US$ 50 | ||||||||
Expenses related to Dental Treatment | US$ 500 | US$ 500 | US$ 500 | US$ 500 | US$ 1000 | US$ 50 | ||||||||
Loss of Travel documents | US$ 350 | US$ 350 | US$ 350 | US$ 350 | US$ 350 | 25 | ||||||||
Death or Dismemberment while travelling in a Common Carrier | US$ 2500 | US$ 2500 | US$ 2500 | US$ 5000 | US$ 5000 | Nil | ||||||||
Personal Accident | US$ 15000 | US$ 20000 | US$ 25000 | US$ 30000 | US$ 40000 | Nil | ||||||||
Allowance per day in the event of being hospitalized | No Cover | US$ 25 per day for 7 days | US$ 25 per day for 7 days | US$50 per day for 7 days | US$50 per day for 10 days | First 2 days | ||||||||
In the event of checked baggage being delayed | US$ 100 | US$ 100 | US$ 100 | US$ 125 | US$ 150 | 6 hours | ||||||||
Loss of checked baggage* | US$ 500 | US$ 1000 | US$ 1250 | US$ 1250 | US$ 2000 | Nil | ||||||||
Delayed Trip | US$ 50 | US$ 50 | US$ 50 | US$ 50 | US$ 75 | 6 hours | ||||||||
Connecting flight missed | No Cover | US$ 250 | US$ 300 | US$ 350 | US$ 750 | Nil | ||||||||
Cancellation and Interruption of trip | No Cover | US$ 500 | US$ 500 | US$ 500 | US$ 1000 | Nil | ||||||||
Personal Liability | US$ 50000 | US$ 100000 | US$ 200000 | US$ 250000 | US$ 300000 | Nil | ||||||||
Allowance of Hijack Distress | US$ 75 | US$ 75 | US$ 75 | US$ 100 | US$ 200 | 12 hours | ||||||||
Emergency Financial Assistance | No Cover | No Cover | US$ 300 | US$ 350 | US$ 750 | Nil | ||||||||
In the event of Home Burglary: compensation of contents (in INR) | No Cover | Rs.200,000.00 | Rs.200,000.00 | Rs.300,000.00 | Rs.500,000.00 | Nil | ||||||||
Home Fire Insurance – Contents (in INR) | No Cover | Rs.200,000.00 | Rs.200,000.00 | Rs.300,000.00 | Rs.500,000.00 | Nil | ||||||||
Overbooked Flight | No Cover | No Cover | US$ 250 | US$ 500 | US$ 1000 | Nil | ||||||||
cancellation or loss of deposit in Hotel or Airline | No Cover | No Cover | US$ 250 | US$ 500 | US$ 1000 | Nil | ||||||||
Legal expenses | No Cover | No Cover | US$ 100 | US$ 200 | US$ 400 | Nil | ||||||||
Bail Bond | No Cover | No Cover | US$ 2500 | US$ 2500 | US$ 5000 | Nil | ||||||||
Emergency accommodation | No Cover | No Cover | US$ 250 | US$ 500 | US$ 1000 | Nil | ||||||||
Pet Care | No Cover | No Cover | US$ 100 | US$ 200 | US$ 400 | Nil | ||||||||
Compassionate Visit | In the event that the insured is hospitalized for more than 7 days consecutively, the company will pay for the expense of round trip and stay of the immediate family member to visit. In the event of death of spouse, parents or dependent children, the company will pay for the travel back home. | Nil | ||||||||||||
*per baggage maximum 50% and per item in baggage max 10%
2. Schengen Travel Insurance
With this policy, you can travel for a minimum of 2 days per trip. It can be extended up to 356 days. The scheme is divided into three plans of varying rates: SmartTraveller Schengen Gold, SmartTraveller Schengen Platinum and SmartTraveller Schengen Silver. This policy is applicable to people travelling to Schengen countries. Following are the detailed rates of each plans' covers:
Schengen Travel Insurance | ||||||||||||||
Coverage | Smart Traveller - Schengen Silver | Smart Traveller - Schengen Platinum | Smart Traveller - Schengen Gold | Deductibles | ||||||||||
Expenses related to Dental Treatment | € 500 | € 500 | € 500 | € 50 | ||||||||||
In the event of checked baggage being delayed | € 100 | € 100 | € 100 | 6 hrs | ||||||||||
Personal Accident | € 10,000 | € 20,000 | € 15,000 | Nil | ||||||||||
Allowance per day in the event of being hospitalized | No Cover | € 25 per day for 7 days | € 25 per day for 7 days | First 2days | ||||||||||
Death or Dismemberment while travelling in a Common Carrier | € 2,500 | € 2,500 | € 2,500 | Nil | ||||||||||
Total loss of checked baggage | € 500 | € 1000 | € 500 | Nil | ||||||||||
Loss of travel documents | € 350 | € 350 | € 350 | € 25 | ||||||||||
Connecting flight missed | No Cover | € 250 | € 250 | Nil | ||||||||||
Medical Expenses (inclusive of Emergency medical evacuation and transport of mortal remains of insured) | € 30,000 | € 100,000 | € 50,000 | € 50 | ||||||||||
Trip Delay | No Cover | € 50 | € 50 | 6 hrs | ||||||||||
Hijack Distress Allowance | No Cover | € 75 | € 75 | 12 hours | ||||||||||
Home Fire Insurance | No Cover | Rs.100,000.00 | No Cover | Nil | ||||||||||
Personal Liability | € 50,000 | € 100,000 | € 100,000 | Nil | ||||||||||
Trip Cancellation and Interruption | No Cover | € 500 | € 500 | Nil | ||||||||||
Home Burglary Insurance – Contents (in INR) | No Cover | Rs.100,000.00 | No Cover | Nil | ||||||||||
Compassionate Visit | In the event that the insured is hospitalized for more than 7 days consecutively, the company will pay for the expense of round trip and stay of the immediate family member to visit. In the event of death of spouse, parents or dependent children, the company will pay for the travel back home. | Nil. | ||||||||||||
3.Annual Travel Insurance
Minimum no. of days per trip shall be 2 days and per trip the duration should not exceed more than 30 days, 45 days, and 60 days as per the plan chosen. The scheme is divided into three plans of varying rates. Plans available are SmartTraveller Multi-trip Silver, SmartTraveller Multi-trip Gold and SmartTraveller Multi-trip Platinum:
Annual Travel Insurance | ||||||||||||||
Particulars of Benefit | Smart Traveller -Multi trip Silver | Smart Traveller -Multi trip Gold | Smart Traveller -Multi trip Platinum | Deductible | ||||||||||
Medical Expenses (incl. repatriation & Emergency Medical Evacuation) | US$ 100000 | US$ 250000 | US$ 500000 | US$ 50 | ||||||||||
Overbooked Flight | No Cover | US$ 250 | US$ 1000 | Nil | ||||||||||
Expenses related to Dental Treatment | US$ 500 | US$ 500 | US$ 1000 | US$ 50 | ||||||||||
Legal expenses | No Cover | US$ 100 | US$ 400 | Nil | ||||||||||
Death or Dismemberment while travelling in a Common Carrier | US$ 2500 | US$ 2500 | US$ 5000 | Nil | ||||||||||
Home Burglary Insurance – Contents (in INR) | Rs.100,000.00 | Rs.200,000.00 | Rs.500,000.00 | Nil | ||||||||||
Loss of Passport and documents | US$ 350 | US$ 350 | US$ 350 | US$ 25 | ||||||||||
Hijack Distress Allowance | US$ 75 | US$ 75 | US$ 200 | 12 hours | ||||||||||
In the event of checked baggage being delayed | US$ 100 | US$ 100 | US$ 150 | 6 hours | ||||||||||
Missed Connection | US$ 250 | US$ 300 | US$ 750 | Nil | ||||||||||
Trip Cancellation and Interruption | US$ 500 | US$ 500 | US$ 1000 | Nil | ||||||||||
Emergency accommodation | No Cover | US$ 250 | US$ 1000 | Nil | ||||||||||
Personal Liability | US$ 100000 | US$ 200000 | US$ 300000 | Nil | ||||||||||
Trip Delay | US$ 50 | US$ 50 | US$ 75 | 6 hours | ||||||||||
Home Fire Insurance – Contents (in INR) | Rs.100,000.00 | Rs.200,000.00 | Rs.500,000.00 | Nil | ||||||||||
Total loss of checked baggage | US$ 1000 | US$ 1250 | US$ 2000 | Nil | ||||||||||
Loss of Deposit or cancellation - Hotel and Airline | No Cover | US$ 250 | US$ 1000 | Nil | ||||||||||
Personal Accident | US$ 20000 | US$ 25000 | US$ 40000 | Nil | ||||||||||
Bail Bond | No Cover | US$ 2500 | US$ 5000 | Nil | ||||||||||
Allowance per day in the event of being hospitalized | US$ 25 per day for 7 days | US$ 25 per day for 7 days | US$ 50 per day for 10 days | 2 days | ||||||||||
Pet Care | No Cover | US$ 100 | US$ 400 | Nil | ||||||||||
Compassionate Visit | In the event that the insured is hospitalized for more than 7 days consecutively, the company will pay for the expense of round trip and stay of the immediate family member to visit. In the event of death of spouse, parents or dependent children, the company will pay for the travel back home. | Nil | ||||||||||||
BHARTI AXA Travel Insurance Policy Eligibility:
BHARTI AXA Travel Insurance is available to individuals between the ages of 3 months and 60 years. Coverage can be chosen based on your travel destination, trip duration, and required sum insured.
The Family Floater plan is also available, which covers the insured, their spouse, and up to two dependent children under 23 years of age.
BHARTI AXA Travel Insurance Policy Covers
- Medical Expenses which includes Emergency Medical Evacuation and in the event of the death of an insured while travelling, the mortal remains will be transported back home.
- Personal Accident - This covers everything from the death of the insured to Permanent Disability (partial or total)
- The insured will get additional benefit in the event of permanent total disability or accidental death while the insured is travelling in a common carrier
- You will be reimbursed of any expenses that you incurred due to loss of travelers cheques or travelling documents including passport.
- You will be compensated for in the event of delay/loss of checked-in baggage
- You will be reimbursed of any expenses in the event of your trip being delayed/cancelled.
- This cover will take care of expenses occurred due to your home or contents in your home in India being damaged which has been caused by fire, burglary etc. while you were travelling.
BHARTI AXA Travel Insurance Exclusions
- Cosmetic surgery is not covered in this policy unless it has been warranted due to an accident, or for a routine medical examination
- Pre-existing conditions are not covered (except in the case of life threatening situations)
- This policy does not cover injuries which have been sustained whilst the insured was participating in perilous activities such as bungee jumping. The company will take the call on this.
- This policy does not cover claims caused by terrorist activities
- If you do not report loss of travel documents (including passport) to the local authories withing 24 hours of it going missing, the company will not provde cover. Similarly, if it was left unattended in a public place also, you will not get cover.
- You will not get cover for partial loss of items that were inside checked-in luggage.
BHARTI AXA Travel Insurance Claim Process
While you are travelling abroad, if you need to make a claim or are in need of some assistance, you can call on the international Toll Free Numbers.
Once you make the call, you will be guided through the process of claiming your insurance by a Claims Service Representative. The representative will help you in the process of availing cashless facility if you happen to be hospitalized. If you look on the official website of BHARTI AXA, you will find a link to download the claim form. You may fill this out and send it with the supporting documents either by email, mail or by fax.
Related Travel Insurance Guides
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- What is corporate travel insurance
- Travel Insurance for Schengen Visa India
- Group Travel Insurance - Insuring Diversities and Multiple Generations under One
- How to Choose a Good Travel Insurance
- How to Buy Travel Insurance Online
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- What to Know Before Buying Travel Insurance
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Other Products Bharti AXA
BHARTI AXA Travel Insurance Policy FAQs:
- How do I reach Bharti AXA General Insurance to get more information about their products?
A:You can reach Bharti AXA General Insurance by calling the toll free number for service that is available 24/7. You can also visit the official website and write to the company for any kind of assistance.
- Is it possible to cover children and senior citizens with this insurance?
A:Anyone from the age of 3 months to 85 years can be covered. However for individuals who are over 60 years need to contact a representative at Bharti AXA General Insurance by calling their contact number.
- The period of the policy can be extended?
A:The period of policy can be extended for Non-Schengen Products only. If you would like to do so, you can contact a Bharti AXA representative for the extension to be granted.
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