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Inclusions and Exclusions in Travel Insurance

It’s better to know what is covered under your individual/family travel insurance plan. After all, you don’t want to face hassles at the time of travel insurance claim,

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Inclusions Exclusions

Medical Expenses inclusive of Repatriation and Emergency Medical Evacuation/ Dental Treatment:

These include medical expenses, repatriation, and emergency medical evaluation. Even dental care expenses such as acute anesthetic treatment of teeth are covered.

Personal Accident:

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

Daily Allowance in case of hospitalization:

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

Loss of passport and documents:

Loss/theft of passport and documents.

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 and/or Interruption:

Payment towards the non-refundable prepaid payments or the additional expenses incurred subject to a 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

Emergency Accommodation:

Due to some fire, flood, earthquake, storm, hurricane, explosion, if you are not able to stay in the original accommodation, you will be compensated for the additional cost of emergency accommodation.

Hijack Distress Allowance:

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

Home Fire Insurance (Contents):

Any kind of loss or damage of the things at your home back in India caused by fire will be covered subject to policy conditions.

Cosmetic surgery:

Cosmetic surgery done to enhance your beauty is not covered.


Self-inflicted injury/harm:

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 naval, military, or air force operations.

Performing professional and risky sports:

Participating in risky winter sports, like mountaineering is not 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 will not receive any coverage for expenses with respect to unproven or experimental treatment.


Illegal Activity:

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.

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Smart Traveller Insurance Policy (Individuals & Families)


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.

Bharti AXA Smart Traveller Individual/Family Insurance Policy

There are many risks involved in travelling to a destination that is not familiar to you. It can be a loss of baggage, loss of important documents like passport, medical emergencies and anything as such. There should be financial security to face such circumstances.

There are 4 variants of travel insurance to choose from, for you and your family. The policy will provide necessary covers and financial security in unforeseen circumstances.

Schengen Travel Insurance

Schengen is a part of the 26 states in the European Union which make the Schengen Area. There is a law as per the Schengen agreement which states that if you are on a business or leisure trip, then you need to procure a Schengen visa, but before applying for a visa you need to buy Schengen Travel Insurance . Only then would you be given the Schengen visa. You can buy such Schengen Travel Insurance online from Bharti AXA General Insurance Company.

Annual Multi-Trip Insurance

If you are a person who is mostly out during the year for business or leisure travel, then you should opt for annual multi-trip insurance. It is an easy way to stay insured no matter where you go. The annual multi-trip insurance has the best value deals for people who travel from one destination to the other. It can be as per the plan which can be for 30, 45 or 60 days depending on the requirements.

Non-Schengen Travel Insurance

For travelling to the non-Schengen countries, you will need this variant of travel insurance policy. There are a couple of sub-categories in this plan as well, which can be chosen as per the convenience of policy buyer. This variant of a travel insurance policy by Bharti AXA has cover for a minimum of two days and a maximum of 365 days.

Single Trip Insurance

This kind of Travel Insurance is the best for people who love to explore new places as this Travel Insurance is only for a single trip. You can choose the Travel Insurance depending on the place you visit. The destination can be a Schengen or Non-Schengen country, but the travel is just for the period specified. It is cost effective as compared to the other Travel Insurance plans.

Learn more about our Student 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 is why our travel insurance is the ideal companion for all your journeys of life.


130+ country-wide presence


No medical check-up up to 70 years, if there is no pre-existing condition


24/7 Bharti Assist Global


Flexible plans for your needs

Key Advantages & Features of Travel Insurance

Having individual/family travel insurance is a relief when flying overseas. Here’s why.

Affordable premiums

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 premium. That is all.

Home fire/theft insuranceHome Fire Insurance Contents & Home Burglary Insurance Contents

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, its 3 months to 85 years, for Schengen, its 3 months to 60 years, for multi-trip it is 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.

Additional benefits

Apart from medical, travel, and baggage benefits, the policy also offers additional benefits. Some of them are a loss of passport, emergency cash advances, and third-party liability.

Saving Up on Travel Insurance Premiums

You can invest in the travel insurance policy according to your requirements and convenience. You can also customize the abroad travel insurance according to the facilities and cover that you want to include in the plan. It can vary from destination to destination.

  • Purchase your policy online

Buying individual/family travel insurance online as compared to offline is not just hassle-free but also saves you time. You can purchase online in 5 minutes & get policy document instantly.
For more details on risk factors and terms and conditions, please read the sales brochure carefully before concluding the sale.
For complete policy terms and conditions, please refer to policy wordings at Bharti AXA

  • Select the right deductible

Selecting correct deductible is as important as selecting the correct policy. Deductible is the part of total amount which is paid by the policy holder while rest is paid by the insurer. The ratio of deductible amount affects the premium as well. Thus it becomes vital to carefully select the amount of deductible.

  • Buy insurance as soon as you book the tickets

The nest thing you can do after booking the tickets for your next vacation spot is to purchase a travel insurance for the same. Lock the best deal immediately to get the best discounts and maximum insurance coverage.

  • Assess the risks involved

Before purchasing the travel insurance, it is important to know which place you are travelling to. If the place you are going to visit is not risky, it is needless to buy an insurance with higher risk coverage. Thus, assessing the factors before purchasing the travel insurance becomes important.

What Do Our Customers Say?

Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.

Shop Online - The Easy way

Why to invest your time getting things done offline, when the online process is easy and hassle-free. It takes only couple of minutes to purchase the travel insurance policy online. Check-out the procedure to purchase the oversea travel insurance policy.



Select individual/family or student travel insurance.



Enter trip and personal details.



Select recommended plan and get total premium.



Add complete details and check the summary. Make payment.



Policy is sent as a PDF to your mailbox.

Note: Before issuance of policy, vehicle inspection may or may not be conducted depending on the credibility of your vehicle and your driving records.

Saving-Up on Travel Insurance Premiums

Looking to buy travel insurance for your dream trip abroad? Bharti AXA provides insurance for 130+ 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.


  • How do I benefit with travel insurance?

Overseas travel insurance protects you when you are traveling in a foreign land. The insurance covers the expenses incurred during events like flight cancellation, illness, injury, misplaced baggage, loss of passport, etc. There would be financial reimbursement offered to cover the financial risk. Emergency financial assistance would also be provided in case of loss of money due to theft or any such event. Back home, your house and contents would be protected with a home insurance coverage against fire, allied perils, and burglary.

  • 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.

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