Bharti AXA Travel Insurance

The following are the salient features of Bharti AXA travel insurance plans:

Affordable premiums: Bharti AXA travel insurance plans offer comprehensive coverage at affordable premiums.

Home fire and burglary insurance: The travel insurance plans cover you against losses or damages caused due to theft, housebreaking or fire at your home in India while you were abroad.

Individual and family floater benefits: For travel plans with your family, the Family Floater is especially customized to offer coverage to you, your spouse and up to two dependent children of a maximum of 23 years of age. For solo travel, you can opt for a travel insurance plan designed for individuals.

Daily hospital allowance: Payment of daily allowance for the number of days that the insured individual is hospitalized beyond the specified number of days, as per the policy document.

Emergency accommodation: Unexpected expenses incurred towards emergency accommodation because of the insured’s inability to stay at the original accommodation as a result of fire, flood, earthquake, storm, hurricane, explosion, etc. are covered.

Hijack distress allowance: An instance of hijack on a common carrier for a specific number of hours, distress allowance is compensated by Bharti AXA travel insurance plans.

Coverage for a wide age group: The age eligibility depends on the type of Bharti AXA travel insurance. The age bracket covered is 3 months to 85 years is for non-Schengen, 3 months to 60 years for Schengen, and 3 months to 70 years for multi-trip.

Emergency financial assistance: Bharti AXA travel plans financially secure you with emergency cash, in case of an unfortunate incident of accidental loss of cash due to theft, robbery, mugging, etc.

Additional features: Certain travel insurance plans from Bharti AXA financially protects you against the loss of Passport, emergency cash advances and third party liability, apart from the regular covers against medical, travel and baggage loss.

The following features are not covered by Bharti AXA travel insurance plans:

• Cosmetic surgery done to enhance the beauty of the insured
• Self-inflicted injury or harm caused as a result of suicidal attempt, alcoholism, depression, or any direct/indirect loss due to death, illness, etc.
• Travel due to participation in warfare for individuals involved in naval, military, or air force operations
• Physical injuries caused while performing professional and risky sports like mountaineering, skiing, etc.
• AYUSH treatments: Medical expenses towards non-allopathic treatments – Ayurveda, Yogic, Unani, Homeopathic treatments
• Medical expenses due to unproven or experimental treatments
• Illegal and criminal activities undertaken on a trip abroad
• Daily hospital allowance for certain pre-existing illnesses
• Treatment that could be delayed until return, as diagnosed by the treating physician

Below are the documents that have to be submitted at the time of purchasing Bharti AXA travel insurance:

• Proof of Identity (PoI): Aadhaar Card, PAN Card, Voter ID, Driving License, Passport, etc.
• Proof of Address (PoA): Aadhaar Card, Passport, Driving License, Voter ID, Ration Card, bank statement, copy of insurance policy, utility bills like Electricity Bill, Telephone Bill, Water Bill, Gas Bill, etc.
• Proof of Age: Aadhaar Card, School Leaving Certificate, etc.

Bharti AXA Travel Insurance Claim Process

Bharti AXA has a fully reliable and easy claim process when the need arises

Let’s take a look at the cashless claims and reimbursement claims processes.

Cashless claims

• Intimate Bharti AXA General Insurance within 24 hours of occurrence of claim.
• Choose from Cashless and Reimbursement claim facility.
• To avail our worldwide cashless facility, you can reach us on +844-691-8883 (for Canada), +844-691-8885(for USA) or +91-120-4593503 (for the rest of the world, excluding Canada and USA).
• You can also email us at bagi.travel@bhartiassistance.co.in
• A Claims Service Representative from the company will guide you through the claim registration process. You can download the claim form here.

Attach all supporting documents against the claim type and send it by mail, email or fax. Reimbursement claims

• Ensure that all reimbursement claims are intimated within 7 days from the date of loss.
• Send all the original bills and other necessary documents along with the claim form to Bharti AXA.
• If you have been admitted in a non-network hospital, you can send the documents within 30 days from the date of discharge.
• Bharti AXA will settle your claim within 30 days from the date of submission of the requisite documents.
• If everything is in order, payment will be made within 21 days of receiving all documents.

If claim is rejected, a letter will be sent explaining the reason for the rejection.