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Frequently Ask Questions
Travel Assistance & Insurance FAQs
1. Who can purchase Overseas Travel Insurance?
Any Indian resident traveling internationally for leisure, business, study, or work purposes can purchase travel insurance through Balaji Travel Services.
2. Is there an age limit for coverage?
Coverage is available for different age groups including senior citizens, subject to the selected plan and policy terms.
3. Can I purchase insurance for trips longer than 180 days?
Yes, long-term travel plans are available depending on destination and insurer guidelines.
Assistance Benefits & Insurance Coverage
1. Who receives the policy benefits?
The insured traveller or nominee (in case of accidental death) will receive the applicable benefits as per policy terms.
2. What are the key benefits included?
Emergency medical expenses, evacuation, trip cancellation, baggage loss, personal accident cover, and travel inconvenience benefits.
3. What assistance services are provided?
24/7 global emergency assistance, medical coordination, claims support, and travel advisory assistance.
Travel Insurance Policy Inclusions
Emergency Medical Expenses
Covers hospitalization and treatment for illness or injury during international travel.
Emergency Medical Evacuation
Covers transportation to the nearest suitable medical facility during emergencies.
Repatriation of Mortal Remains
Covers transportation of mortal remains to India or local cremation abroad.
Personal Accident Cover
Provides compensation in case of accidental death or permanent disability.
Trip Delay
Covers meals and accommodation costs due to flight delays beyond the waiting period.
Trip Cancellation / Interruption
Reimburses non-refundable expenses for trip cancellation or interruption.
Loss of Checked-in Baggage
Provides compensation for baggage lost while in airline custody.
Delay of Checked-in Baggage
Reimburses essential purchases due to baggage delay.
Loss of Passport
Covers expenses for obtaining a duplicate passport abroad.
Overseas Travel Insurance Plan FAQs
1. Why is Overseas Travel Insurance important?
It protects travellers against unexpected medical expenses and travel-related financial losses abroad.
2. Is travel insurance mandatory for certain countries?
Yes, many countries including Schengen nations require valid travel insurance for visa approval.
3. Can I modify my travel dates after policy purchase?
Yes, modifications are allowed before travel begins, subject to policy terms.
4. Can I cancel my policy?
Cancellation is allowed before the start of travel as per insurer guidelines.
Claims FAQs
1. How do I file a claim?
You can contact our support team and submit required documents such as medical reports, invoices, boarding passes, and claim forms.
2. What is the claim processing time?
Claims are processed within standard timelines after submission of complete documentation.
3. Is cashless treatment available?
Yes, cashless hospitalization is available at network hospitals worldwide, subject to policy terms.
4. Who should I contact during an emergency?
Immediately contact the 24/7 assistance helpline mentioned in your policy certificate.
Procedures
1. Should I carry my insurance certificate while travelling?
Yes, it is recommended to carry a printed or digital copy at all times.
2. What should I do if I lose my policy document?
You can request a duplicate copy by contacting our customer care team.
3. Where can I find complete policy terms?
Full policy terms and conditions are provided in your policy document and can also be requested from our support team.
