Travel Ace International Insurance

Comprehensive Insurance for Carefree Travel, Travel Ace is the perfect travel insurance plan for those travelling internationally. With one flexible plan, you can mitigate a wide range of medical expenses covered, including hospital charges and incidental expenses. Get the medical assistance you need when you need it the most, without worrying about the costs.

The Travel Ace travel insurance will be by your side. The Travel Ace is available in a wide range of plans to suit your inherent needs:

- Travel Ace Standard - USD 50,000

- Travel Ace Silver - USD 1,00,000

- Travel Ace Gold - USD 200,000

- Travel Ace Platinum - USD 500,000

- Travel Ace Super Age - USD 50,000

- Travel Ace Corporate Lite - USD 250,000

- Travel Ace Corporate Plus - USD 500,000

Why Choose a Travel Ace Plan?

The Travel Ace Plan by Bajaj General Insurance Limited offers flexibility with 42 optional covers to create a customised travel insurance plan. Unique to this plan is the first-of-its-kind coverage for pre-existing illnesses and injuries. With a medical sum insured of up to USD 20 lakhs, the plan provides separate coverage for accidental and sickness medical expenses. Enjoy post-policy hospitalisation coverage for up to 75 days without additional premiums and no age restrictions or medical checks, even for higher age brackets. Other standout features include trip cancellation for any reason, mental rehabilitation expenses, sporting activity coverage, and child education benefits. Optional add-ons include trip extensions, legal expenses, check-in baggage delays, and more.

How is the Travel Ace Plan different?

Optional Coverage Areas

The Travel Ace covers over 42 optional coverage areas and has 5 different extensions available. It is one of the very few policies not restricted by geographic limitations.

The Medical Coverage Span

Medical expenses for accidents and sickness are separated for higher coverage. The medical coverage can be as high as USD 2 million.

Cover Pre-Existing Diseases

One of the very few travel insurance policies which cover pre-existing diseases and illnesses.

75 Days cover for hospitalization

No additional charges for up to 75 days of hospitalization after the policy expires.

Coverage for cancellation of trips.

Coverage for all forms of cancellation for trips.

No Pre-Policy Check-up

No mandatory pre-policy check-up

Covers Delayed Luggage

Delayed of checked baggage are also covered while returning to your native country

Discounts On Premiums

People travelling with the insured person can get discounts on the premium as per the following details for a matching plan and same trip duration:

Bajaj General is regarded among India's top 10 insurance companies, with a claim reimbursement ratio of over 98%. You can file your claim using any of the given channels convenient to you:

Cashless Travel Insurance

- You can file cashless claims for medical expenses exceeding USD 500 and reimbursement claims for the same under USD 500.

- You can submit all the relevant documents on our platform and initiate the verification process

- Post successful verification, the hospital and you will receive a payment guarantee notification.

- If we need more data to verify your claim, you will be requested to do so on time

Reimbursement Claim Process

- You can close the entire claim cycle within 10 days with a comprehensive and accurate documentation process.

- Aggregate all the relevant documents and upload them to BGIL HAT.

- Post verification, our team will process your payment within 10 days of approval. You will receive it in your registered bank account via NEFT.

- Our team will request any necessary but missing documents and provide you with a 45-day window to provide them. You will also receive a reminder every 15 days during this period. If you fail to furnish the necessary documents in this period, your claim request will be closed.

Documentation for Claims

We highly recommend you to use the Bajaj General App for trip delay delight. The app keeps track of the delay in your flight, does not require any physical documentation, and automatically processes your reimbursement. To initiate a claims process, please get in touch with our team using any of these numbers:

1800-209-0144

1800-209-5858

Why Choose Bajaj General Insurance Limited for a Travel Insurance Plan?

Bajaj General Insurance Limited is a trusted name in travel insurance, offering customised plans like the Travel Ace Plan to suit every traveller’s needs. Bajaj General Insurance Limited’s seamless claim settlement process ensures convenience and reliability, backed by a high claim settlement ratio. With comprehensive coverage options, the plan caters to families, individuals, students, and corporate employees. Bajaj General Insurance Limited also offers unique features such as first-of-its-kind coverage for pre-existing illnesses and injuries, medical sum insured up to USD 20 lakhs, post-policy hospitalisation coverage for up to 75 days without additional premium, and trip cancellation for any reason. The intuitive online process and the Bajaj General App make purchasing and managing your policy effortless, ensuring a secure travel experience worldwide.

Summary of Key Coverages

- International Personal Accident Cover to help you recover from personal damages incurred during an accident in a foreign location.

- Lifestyle Modification Benefits include the additional costs you have to bear to make necessary changes in your lifestyle and assets after an accident or emergency.

- Child Education Benefits is the compensation released for your children's welfare if you meet an unfortunate event during the international trip.

- Accidental, Death, and Disability compensate for demise or critical damage to bodily functions caused due to an accident during an international trip.

- Personal Accidental Cover in India provides compensation to cover all the personal expenses incurred due to an accident in India.

- Sickness or Accidental Medical Exigencies cover the cost of medical attention required to post an unforeseeable sickness or accident in a foreign location.

- Emergency Dental Care covers the cost of non-cosmetic dental expenses for stopping pain, bleeding, or loss of teeth.

- Daily Allowance during Hospitalization covers the non-medical or survival expenses incurred during a stay in the hospital.

- Tip & Event Cancellation covers the cost incurred when the trip is cancelled for unforeseeable reasons. Trip Interruption covers only the costs incurred due to an intermittent gap in the journey that was not planned earlier.

- Loss or Delay of Checked-In Baggage provides compensation for a fixed set of hours for which the baggage was delayed or lost, post the check-in.

- Personal Liability Cover includes any liability on the insured to incur medical or property damage expenses due to inclusion in an overseas accident.

- Golfer’s Hole-in-One covers the expenses incurred to play a US Golfer’s Association-recognized golf course under a predetermined limit.

- Hijack Cover includes the compensation paid to the insured if the plan she/he/they used to travel is hijacked during the commute.

- Home Burglary & Robbery insurance covers replacing portable equipment such as laptops and other equipment stolen when the insured individual is off to the trip.

- Standard Fire & Special Perils covers the cost of replacing portable equipment such as laptops and other equipment which are damaged beyond reasonable repair when the insured individual is off to the trip.

- Trip Delay Delight provides compensation on a fixed hourly basis if the trip is delayed for any reasons outside the insured individuals’ control.

- Emergency Cash Assistance Service provides direct access to cash in a foreign location for emergency purposes.

- Missed Connection coverage provides compensation if the insured individual misses a connecting flight for reasons outside her/his/their control.

Coverage for Loss of Passport and Driving License compensate for the loss of passport or driving license of the insured person for no causal error of her/his/their own. Similar coverage in principle is provided under the Loss of Personal Belongings cover for mobiles, laptops, and iPads.

Things to check while Buying a Travel Insurance Plan?

Here are a few things to look into before you choose the variant of the Travel Ace plan for your next journey:

Age of Travellers

Seniors tend to attract a higher premium. Use this to optimize your clubbed insurance plan.

Travelling Destination

Ideally, avoid travelling to countries with high political or climate risks. Your insurance premium will be higher, and if a man-made event causes damages, your claims might even get rejected.

Tenure and Type of the Tour

One-time and long trips will attract higher premiums. If you plan to travel frequently in a given year, consider a multi-trip plan. In terms of the itinerary, the lesser risk you put yourself into, the lesser premium you end up paying on the insurance.

Sum Insured, Coverage, and Add-Ons

Make a list of requirements you seek. Then, add a few in terms of add-ons. And now compare the insurance carriers who can cover your needs. The sum insured will be the total sum you are insured for.

Convenience

Check the convenience of the claim settlement process and the claim settlement ratio. Also, make sure you read the entire list of exclusions – the conditions mentioned in your insurance agreement that show the instances under which you will not be eligible for the insured sum.

Schengen

The Schengen Countries have some unique requirements for travel insurance plans. Read them carefully and see if your insurance plan matches them.

Medical Conditions

Understand the policies around pre-existing conditions and pre-policy tests conducted before your premium is locked.

Buy multi-trip and group insurance early to minimize the unitary costs of the insurance plan.

How to Find the Premium for your Travel Insurance Plan

You can easily calculate the tentative insurance premium for your Travel Ace plan. Here is how to do it:

- Click here and access the Bajaj General Travel Insurance Premium Calculator.

- Add your active name, phone number, and email address. Mention your country of residence accurately.

- That’s all! You will soon receive a tentative quote for your Travel Ace premium.

The actual cost of the insurance will depend on a broad set of factors such as your age, travel destination, duration of the trip, number of travellers in the plan, and the add-ons you choose.