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, 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: 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 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: Cosmetic surgery done to enhance your beauty is not covered. Unless surgery is 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. 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. 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: 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. Click here for Policy Wordings Click here for Policy Brochure Click here for Claim form 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 orstudent travel insurance plans. Covers Travel and Medical Emergencies Travel and Medical Emergencies Legal Expenses towards Third-PartyLiability’s death or bodily injuries Third-Party Liability’s Choose between Single-Trip and Multi-Trip Policies Single-Trip and Multi-Trip Policies 24/7 Claim Assistance & strong Customer Support 24/7 Claim Assistance 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 When you travel abroad, there are multiple risks that you face. These include loss of baggage/passport, cancellation of trips, medical emergencies, and accidents. You need to be financially ready to face them. You can buy a travel insurance in 4 variants. Choose the variant that best suits your needs, Schengen country insurance As per the European Union (EU), 26 states form a part of the Schengen area. As per the Schengen agreement, if your reason for visit is tourism or business and the duration is less than 90 days, then you need the Schengen visa. But to apply for Schengen visa, having Schengen travel insurance to the particular country is compulsory. Annual 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 traveller, then the multi-trip policy works best for you. Depending on what suits your requirements, you can choose from Smart Traveller Multi-Trip Silver, Gold, and Platinum variants. While 2 days are the minimum number of days, the maximum should not be more than 30 days, 45 days, and 60 days as per the plan you pick. Non-Schengen country insurance When travelling to Non-Schengen countries, you require this type of plan. This is among the most widely chosen plan that offer multiple variants. The Smart Traveller Gold, Silver, Essential, Regular, and Basic plans are variations of our Non-Schengen insurance policy. Here the minimum number of days per trip is 2 days and maximum is 365 days. Single Trip Travel Insurance If you’re travelling just once a year, it is better and cost-effective to opt for single trip policy. So, you can either choose the Schengen or Non- Schengen product depending on which country you’re heading to. 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. 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’s why our travel insurance is the ideal companion for all your journeys of life. 130+ country-wide presence Yes, we secure your trips across 130+ countries. We just want to ensure we’re there for you wherever you go. view More No medical check-up up to 70 years That’s right! You don’t have to stress over getting a medical test for anyone in the family within the age of 70 years. view More 24/7 AXA Assistance Worldwide Our customers love how we strive to have them covered each day. We provide 24/7 worldwide AXA assistance so that you can travel stress-free anytime and anywhere. view More Flexible plans for your needs Depending on the country that you’re travelling to, we have Schengen and Non-Schengen travel insurance plans as per your requirements. Also, no medical check-up for up to 70 years. view More 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 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. Additional benefits 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.