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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:

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

Personal Accident:

Travel insurance includes 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:

Travel insurance covers 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 under travel insurance.

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:

Travel insurance does not cover any cosmetic surgery done to enhance your beauty.


Self-inflicted injury/harm:

Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. is not covered under travel insurance.

Participation in warfare:

Travel insurance 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:

Travel insurance strictly excludes coverage for yogic, homeopathic, unani, and ayurvedic treatrments.

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 is not covered under travel insurance.

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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Why do you need travel insurance?

Travel Insurance provides coverage against different type of emergencies Medical Expenses (incl. repatriation & Medical Evacuation), delay of checked baggage or total loss of checked-in baggage, missed connection, financial emergency assistance etc. while you are travelling. Travel Insurance Policy is an essential piece of documentation that is required when you travel abroad and should be bought in advance to cover the dates you travel on.

Travel Insurance Plans by Destination

There are different types of Travel Insurance that can be used depending on the destination of your travel. Here we will guide you on different types of plans based on the destination you travel:

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 travel insurance. It is an easy way to stay insured no matter where you go. The annual multi-trip travel 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.

Worldwide Overseas Travel Insurance

You need this kind of Travel Insurance when you travel to any Non- Schengen country. This is the most common type of Travel Insurance available with Bhati AXA General Insurance. It has many variants to fit into your requirements. So, you should know everything about it before you buy it to ensure that you get all the requirements as per the necessity.

There are many types of Worldwide Overseas Travel Insurance which can be bought online.

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.

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 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 travel insurance plan. 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 travel insurance 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 travel insurance policy covers arrangements for providing you with emergency cash.

Additional benefits

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

Benefits of Travel Insurance

You need to take care of yourself and your valuables when in a new country. As a traveler, you would always look for the benefits of Travel Insurance. You can be covered, including your home back in India, along with the valuables you carry.

  • Medical Expenses (incl. Repatriation & Medical Evacuation)

The company shall pay or reimburse emergency care expenses incurred for availing immediate emergency medical assistance required on account of any disease /illness or injury whilst on a trip. In case of emergency evacuation, company shall compensate the extra costs of medically necessary and prescribed transportation of the Insured/ Insured Person from the foreign country to his/ her permanent place of residence in India or to the nearest Hospital.

  • Loss of Passport and Documents

Company shall reimburse the actual expenses necessarily and reasonably incurred in connection with obtaining a duplicate or fresh passport as per the sum insured specified in policy schedule.

This Travel Insurance Policy covers your immediate family members in one policy if family plan has been opted. It helps you from buying the different policies for all members

  • Trip Cancellation and / or Interruption

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.

  • Total Loss of Checked-In Luggage

Company shall pay the compensation to the insured/insured person for the total and complete loss of checked-in baggage by a common carrier.

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

Steps to Buy Travel Insurance Policy Online

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 travel insurance.



Enter trip and personal details.



Select recommended travel insurance plan and get total premium.



Add complete details and check the summary. Make payment.



Your travel insurance policy is sent as a PDF to your mailbox.

Purchase Your Travel Insurance 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

Travel Insurance FAQ's

  • 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 in Travel Insurance Policy?

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

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