Bajaj Allianz Travel Elite Gold Insurance

Coverages Sum Insured Deductible
clinic   Medical Expenses, Evacuation and Repatriation $200,000 $100
teeth   Emergency dental pain relief $500 $100
person   Personal Accident*** $25,000 Nil
hospital   AD & D Common Carrier $5,000 Nil
person-with-lugg   Loss of baggage (Checked)** $1,000 Nil
delay-bag   Delay of Checked Baggage $100 12 hrs
passport   Loss of passport $250 $25
aeroplane   Hijack $60 per day to max $360 Nil
person   Trip Delay $30 per 12 hrs to max $180 12 hrs
person   Personal Liability $200,000 $100
dollar   Emergency Cash Advance **** $1,000 Nil
golf   Golfer Hole-in-one $500 Nil
person   Trip Cancellation $1,000 Nil
house   Home Burglary Insurance Rs. 2,00,000 Nil
person   Trip Curtailment 300 Nil
dollar  Hospitalization Daily Allowance $25 per day to max $125 Nil

Sub-limits for 61-70 age group
Coverages Sum Insured Deductible
Illness   Any One Illness $15,000 Nil
Accident   Any one Accident $30,000 Nil

**Per Baggage maximum 50% and per item in the baggage 10%.
***Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years.
**** Cash Advance would include delivery charges.

Bajaj Allianz Travel Elite Gold Insurance - Exclusions applicable to Travel Policies

  1. Any medical condition or complication arising from it which existing before the commencement of the policy period, or for which care, treatment or advice was sought, recomended by or received from a physician.
  2. Routine physical or other examination where there is no objective indication of impairment of normal health.
  3. Medical expenses beyond the expiry of the policy period.
  4. Suicide, attempted sucide or wilfully self-inflicted injury or illness, mental disorder, anxiety / stress / depression / nervousness having no underlying physical illness as a cause; veneral disease, alcoholism, drunkenness or the abuse of drugs
  5. Manual work or hazardous occupation,self-exposure to needless peril (except in an attempt to save human life), or if engaging in an criminal or illegal act.
  6. Pregnancy, resulting childbirth, miscarriage, abortion, or complication arising out of any of the foregoing.
  7. Experimental, unproven or non-standard treatment.
  8. Treatment by another system other than modern medicine (also known as Allopathy).
  9. The cost of spectacles, contact lens and hearing aids, crutches and all other external appliances and / or devices whether for diagnosis or treatment.
  10. Delay of baggage when the intended destination is in India
  11. Loss or damage t the insured's passport as a result of the classifaction or detention by customs, police or any other authority.
  12. Loss which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.
  13. Loss caused by the insured's failure to take reasonable steps to guard against the loss of the passport.
 

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