Inclusions and Exclusions in Travel Insurance
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
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
All legal costs and expenses are covered in case of claims towards third-party liabilities that arise out of death or bodily injuries.
Payment towards the non-refundable prepaid payments or the additional expenses incurred subject to limit of Sum Insured, on the trip being cancelled or interrupted due to medical problems of insured/Insured person’s family member, personal employment problems or natural disasters
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.
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 done to enhance your beauty is not covered. Unless surgery is essential as part of treatments for accidents when abroad.
Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. is not covered.
Participation in warfare:
Coverage is not provided for those involved in in naval, military, or air force operations.
Performing professional and risky sports:
Participating in risky winter sports, like mountaineering isn’t covered unless specifically agreed and mentioned in the policy document.
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.
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.
Whether it’s a flying abroad for a holiday or for your higher studies securing your trip with travel insurance is a must. Choose from individual/family travel insurance or
student travel insurance plans.
Why buy Bharti AXA Travel Insurance
Travel Insurance policy provides coverage against possible emergencies on your trip. With just a small premium, you can travel worry free
We offer two major plans – individual/family travel insurance and student travel insurance plan. Learn more about our individual/family travel insurance plan.
Why buy Bharti AXA Travel Insurance
Travelling overseas is always fun. It is even more fun when you know your trip is insured against unforeseen risks. That’s why our travel insurance is the ideal companion for all your journeys of life.
Key Advantages & Features of Travel Insurance
Having individual/family travel insurance is a relief when flying overseas. Here’s why.
While you focus on enjoying your stay abroad, we focus on financially securing your trip when you’re there. For that, you need to pay a small annual premium. That’s all.
Home fire/theft insurance
The policy also covers losses/damages caused due to theft, housebreaking or fire to your home back in India while you were on your trip abroad.
Enjoy Family Floater plan
If you’re flying with your family, then opt for the family floater. This includes you, your spouse and 2 dependent children below the age of 23 years. You can also buy this policy individually.
Wide age group covered
Different plans provide coverage across different age groups. For non-Schengen, it’s 3 months to 85 years, for Schengen, it’s 3 months to 60 years, for multi-trip it’s 3 months to 70 years.
Emergency financial assistance
In case of accidental loss of cash due to theft, robbery, mugging, or anything other reason, the policy covers arrangements for providing you with emergency cash.
Apart from medical, travel, and baggage benefits, the policy also offers additional benefits. Some of them are loss of passport, emergency cash advances, and third-party liability.