Bajaj General Travel Asia insurance

Bajaj General Travel Asia Insurance – FAQs

• What happens if I get sick or have an accident during my international trip?

  If you fall sick or get injured during your trip, you should seek immediate medical attention and inform your insurer. The Bajaj General Travel Ace (Formerly Bajaj Allianz Travel Ace) plan covers medical expenses incurred due to sickness or accidental injuries that require hospitalization.

  
  

  Does the policy provide cover for emergency dental treatment during travel?

  Yes, the Travel Ace plan provides coverage for emergency dental pain relief. It reimburses reasonable dental expenses incurred abroad due to sudden acute pain in one or more teeth.

  
  

  What is the Compassionate Visit benefit under this plan?

  The Compassionate Visit benefit reimburses the cost of an economy-class return ticket for a family member or friend to visit you if you are hospitalized abroad due to injury or illness and no one is available to assist you.

  
  

  What is the sub-limit clause under the Travel Ace Plan?

  Sub-limits apply to travelers aged 50 and above. For hospitalization, there’s a daily limit of USD 1,700 for room and board, USD 2,500 for ICU, and up to USD 11,500 for surgical treatment. Anesthetic services are reimbursed at 25% of the surgical cost.

  
  

  Is Outpatient (OPD) treatment covered?

  Yes, outpatient medical expenses are covered after the deductible amount, as per the policy terms and limits mentioned in your plan.

  
  

  Are pre-existing medical conditions covered?

  No, pre-existing diseases or complications arising from them are not covered under this plan.

  
  

• What happens if my personal belongings are lost or stolen overseas?

  This plan provides coverage for loss or damage of your personal belongings due to theft, robbery, or hold-up while abroad, as per policy limits.

  
  

  What is covered under Delay of Checked Baggage?

  If your checked-in baggage is delayed while travelling to India, the plan compensates for emergency purchases of essential items. A written non-delivery confirmation from the airline (with delay duration) is required to process the claim. A 12-hour delay deductible applies for each claim.

  
  

  What is covered under Loss of Checked-In Baggage?

  The policy compensates you for permanent loss of checked-in baggage by the airline. The claim requires a Property Irregularity Report (PIR) from the airline confirming the loss.

  
  

  Are valuable items like laptops or cameras covered?

  Valuable electronic items are covered if specifically declared and insured in the policy. However, depreciation and sub-limits may apply based on policy wording.

  
  

• Am I covered if I miss my connecting flight?

  Yes, if you miss a connecting flight due to a delay of your earlier flight caused by reasons beyond your control, the policy provides compensation for reasonable expenses or losses incurred.

  
  

  What if I need to cancel or cut short my trip?

  The plan provides Trip Cancellation and Trip Interruption coverage, compensating you for non-refundable expenses if you cancel or shorten your trip due to reasons like sudden illness, injury, or death of a family member.

  
  

  What is Trip Interruption coverage?

  Trip Interruption covers non-refundable expenses such as accommodation or event cancellations, flight rescheduling, and early return charges when your trip is interrupted due to covered events like illness or emergencies.

  
  

  Does the policy cover Trip Delay?

  Yes, if your trip is delayed beyond a specified period due to weather, strike, or airline issues, you are compensated for reasonable additional expenses like meals or accommodation.

  
  

  What is Personal Liability coverage?

  If you accidentally cause bodily injury or property damage to a third party while abroad, the policy provides compensation under Personal Liability coverage.

  
  

• What is the Replacement of Staff coverage?

  The Travel Ace Plan covers travel and accommodation expenses for a substitute employee if the insured person on a business trip cannot continue due to illness, injury, or other covered reasons. This ensures continuity of your business operations.

  
  

  Does the plan cover trip curtailment for business travelers?

  Yes, business travelers are covered for trip curtailment due to emergencies like hospitalization, family bereavement, or other unforeseen events as defined in the policy.

  
  

  Are business documents or equipment covered under the policy?

  Loss or damage to business-related documents or professional equipment may be covered if declared under optional add-ons or extensions, subject to policy terms.