Bharti Axa Travel Insurance
Bharti AXA General Insurance Company Ltd is a joint venture between Bharti Enterprises, a leading Indian business group and AXA, a world leader in financial protection. The joint venture company has a 51% stake from Bharti and 49% stake of the AXA Group. The organization commenced national operations in August 2008 and currently has 87 branch offices across the country.
Medical Expenses
All the medical expenses, also includes returning to India and evacuation in case of medical emergencies.
Accidental Death and Dismemberment Benefit
Death, permanent total disability and permanent partial disability due to accident
Accidental Death and Dismemberment Benefit (Common Carrier)
Additional benefit in the event of accidental death or permanent total disability, if travelling in a common carrier
Loss of Passport Cover
Return of actual expenses paid by you for loss of passport, traveller cheques, travelling tickets/documents
Loss of Checked Baggage
Benefit for loss or delay of checked-in baggage
Trip Delay
Refund of the expenses in case of trip delay and cancellation
Home Burglary Cover
Loss due to burglary and/or fire to your home in India are covered while you are travelling abroad
Pre-existing diseases
Pre existing diseases are not covered unless under life threatening conditions
Cosmetic Surgery
Cosmetic surgery, unless such cosmetic surgery becomes medically necessary as part of treatment for accidents and burns whilst being abroad
Adventures Sports
Injuries due to hazardous activity/sports
Terrorism
Loss due to terrorist activities
Partial baggage loss
Partial loss of items in checked-in baggage
How to make a claim?
Medical and Emergency Services are provided by Bharti Axa service provider:
AXA Assistance India
403, B 404, Copia Tower, Jasola District Centre
New Delhi, IndiaIn case of claim or emergency assistance whilst abroad, please contact the international Toll Free Numbers given below:
For Canada - 844-691-8883
For USA - 844-691-8885
For Rest of the world excluding Canada & USA +91 11 47324403Bharti Axa Claims Service Representative will guide you on the process. You can download the claim form and attach supporting documents against the claim type and send it by mail, email or fax.
Bharti Axa Travel Insurance FAQs
Why do I need Travel Insurance?
Travelling abroad on a holiday or business trip, to relax amidst the scenic mountains or beaches, single or along with your family, you need travel insurance for complete peace of mind. It is required to safeguard you from the risk of any financial emergency arising due to illness, accident, injury or any unforeseen event. There can be incidents related to loss of tickets, baggage, documents, trip cancellation, flight delays, etc. When you are travelling away from home, you need to ensure that you are safe and protected to handle any kind of unfortunate events and financial risk.
How do I benefit with Travel insurance?
Overseas Travel insurance would protect you during the times of problems and stress when you are travelling in a foreign land. If there is cancellation of trip, interruption or delay due to illness, injury or bad weather or due to loss of baggage, passport, traveler’s cheques, traveling tickets, etc., there would be financial reimbursement offered to cover your financial risk. Medical expenses towards treatment in a local hospital would be provided. Financial emergency assistance would also be provided in case of loss of funds 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.
What is a deductible?
Deductible implies for any claim the deductible amount has to be borne by the insured. The deductible is applicable for medical expenses, dental treatment, loss of passport or documents, delayed checked baggage, hijack distress allowance, etc.
How would loss of passport, documents and tickets be compensated?
Insurer would pay actual expenses incurred to obtain a duplicate or fresh passport or obtain the stolen documents or baggage belonging to the insured.
What happens in case of delay in receiving checked in baggage?
Travel Insurance compensates for loss and delay of checked in baggage.
Does policy cover pre-existing diseases?
This policy does not cover pre-existing diseases. A ‘Pre-Existing Illness is one with which the person is already suffering from before he buys the policy
Is emergency financial assistance provided?
'Financial Emergency' means a situation wherein the Insured loses all or a Substantial amount of his/her travel funds due to theft, robbery, mugging or dacoity. under this benefit the insured is provided with Emergency Cash Assistance up-to the limit stated in the Policy. This is an assistance provided by the company through the service provider.
What is benefit under Hijack distress allowance?
If the Common Carrier in which the insured Person is aboard is hijacked, the company agrees to pay to the compensation for every six (6) continuous hours in excess of the Deductible.
What does Medical Repatriation and Evacuation Cover?
Emergency Medical Evacuation means arrangement for transportation required to move an insured to the nearest hospital and Medical Repatriation means arrangement for transportation required to move an insured to his/her country of residence following an emergency.
