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Know More About Smart Traveller Insurance

Overview

  • With Individual/Family Travel Insurance, an insured can minimize the financial losses that arise due to unfortunate medical and travel emergencies occurring during their trip.
  • Individual/Family Travel Insurance provides coverage for various misfortunate events right from medical expenditures, cancelled flight, baggage theft/loss, passport loss, etc.
  • Single-Trip Policy is better when an individual is traveling just once a year. It provides coverage from the date one boards the flight from India to the international destination and till return date to India.
  • For several trips throughout the year, one can choose the Annual Multi-Trip Policy. For multiple times a year, this plan provides coverage from the time one leaves home till the time they return home.
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Key Features

  • Medical and Travel emergency coverage
    Coverage is provided for all medical and travel-related emergencies as per the policy
  • Single-Trip and Multi-Trip Policies
    Insured can choose between Single-Trip and Multi-Trip policies depending on their requirement and the frequency that of travel in a year
  • Fly to Schengen countries
    One can also obtain insurance for trips to Schengen countries
  • End-to-End Claim Assistance
    Enjoy 24/7 Claim Assistance & strong customer support with ICICI Lombard
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.		 Cosmetic surgery:
Cosmetic surgery isn’t covered, unless essential as part of treatments for accidents when abroad.
Personal Accident:
Compensation for bodily injuries, permanent or partial disablement, death caused in an accident.		 Self-inflicted injury/harm:
Suicide, alcoholism, depression, or any direct/indirect loss due to death, illness, etc. won’t be covered.
Daily Cash Allowance:
Payment of daily allowance for the number of days that the insured person is hospitalized beyond the specific number of days.		 Participation in warfare:
Coverage isn’t provided if one is involved in the naval, military, or air force operations.
Loss of essentials:
Loss/theft of passport, documents, delay or loss of checked-in baggage is compensated.		 Performing professional and risky sports:
Participating in risky winter sports, like mountaineering isn’t covered unless specifically agreed and mentioned in the policy document.
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.		 Non-Allopathic treatment:
Yogic, homeopathic, unani, and ayurvedic treatments are strictly excluded.
Trip cancellation/delay:
Be it because of technical issues by the airline, natural disasters, medical, or any other reason, compensation is given for trip cancellation, delay or interruption.		 Medical expenses due to unproven treatment:
Coverage isn’t provided for expenses with respect to unproven or experimental treatment.
Emergency Accommodation:
Due to some natural disaster, if the insured isn’t able to stay in the original accommodation, compensation for additional cost of emergency accommodation will be provided.		 Illegal Activity:
If one is involved in a hazardous occupation or engages in criminal activities while on the trip abroad, coverage won’t be provided.
Hijack Distress:
In case if there is hijack on a common carrier for a certain number of hours, distress allowance is compensated.		 Limitations in medical expenditure:
Daily allowance isn’t paid in case of hospitalization for certain pre-existing conditions.
Home and Fire Insurance:
Any kind of loss or damage of the things at the insured’s home back in India caused by theft/fire will be covered.		 Treatment that could be delayed until return:
Coverage isn’t provided, 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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Eligibility Criteria

  • Age: 91 days to 85 years
  • Duration: 2 days to 356 days
  • Travel Insurance for Non-Schengen countries - 2 days to 182 days (extendable up to 356 days)
  • Travel Insurance for Schengen countries - 2 days to 182 days
  • Annual Multi-Trip Policy - Each trip duration shall not exceed the number of days opted in the policy.
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Frequently Asked Questions

The following medical expenses are covered:

  • In-patient treatment in a local hospital
  • Out-patient treatment, provided if it is critical
  • Medical aid for broken limbs or injuries if prescribed by physician
  • Pathological and diagnostic tests like X-ray, diagnostic tests, etc.
  • Dental care related to acute anaesthetic treatment as a result of an accident
  • Life-saving emergency measures till the insured person becomes medically stable
  • Transportation and emergency medical evacuation

Policy can be renewed only in respect to Annual Multi-Trip Policies. Kindly contact Bharti AXA at 080- 49010200 for more information.

A Third-Party Administrator (TPA) or Emergency Service Provider would service the claim and arrange among other things, cashless facility for a hospitalization treatment. The insured can call 844-691-8883 (For Canada), 844-691-8885 (For USA) or +91 11 47324403 (For any other part of the world) anytime, for any assistance while traveling.

Commission on General Insurance

Travel Insurance compensates for loss and delay of the checked in baggage.

It is the deductible amount that has to be borne by the insured at the time of a claim. The deductible is applicable for medical expenses, dental treatment, loss of passport or documents, delayed checked baggage, hijack distress allowance, etc.

Traveling abroad can be for a holiday or for business purpose. During the journey, one is susceptible to many risks away from home. There can be unfavourable incidents like thefts, accidents, loss of tickets, baggage, documents, and trip cancellation. A Travel Insurance, in this case, becomes vital. It covers the expenses incurred in the event of loss or medical treatment. This way, a Travel Insurance Policy ensures one can enjoy the journey with complete peace of mind.

In the case of a loss, the insurance company will pay the expenses incurred to obtain a duplicate or fresh passport and stolen documents