Travel Insurance 080 - 49010200

www.bharti-axagi.co.in

Looking forward to a
trip abroad without
worries?
Get complete
overseas travel
protection for you
and your family.

SmartTraveller
Insurance Policy
(Individuals and Families)
UIN: IRDA/NL-HLT/BAXAGI/P-T/V.I/222/13-14
 080 - 49010200
www.bharti-axagi.co.in
SmartTraveller
Insurance
for Individuals
It is important to select the right travel
and Families
insurance, while planning for international
business trip or overseas holiday with your
family, since illness, injury, cancellation of
trips, loss of important documents or
financial emergency are among the few
risks that need to be covered. With Bharti
AXA Travel Insurance you can get the best
cover to deal with contingencies while
travelling abroad.

Choose from three product variants for

individuals and families:

• Schengen Products

• Non-Schengen Products

• Annual Multi-trip Products

 080 - 49010200
While travelling overseas, www.bharti-axagi.co.in

financial emergencies and

travel contingencies can
create difficulties. Make
sure that you think
smart and allow
Bharti AXA to
protect you end
to end.
 080 - 49010200
Who is eligible www.bharti-axagi.co.in

for this
policy? This policy covers persons in the age group of 3
months to 85 years for Non-Schengen Products

For Schenegen products the eligible age group

is 3 months to 60 years

For Annual Multi-trip Products the eligible age

group is 3 months to 70 years

Persons in the age group of 60-85 years (for

Non-Schengen Products) and age group of
60-70 years (for Annual Multi-trip products)will
be underwritten based on merits of the case

Policy can be issued to an individual and/or

family as a Family Floater which includes
Insured, spouse and 2 dependent children
below 23 years of age

All Citizens of India and permanent residents of

India as well as expatriates or foreigners who
are holding an employment pass, dependant
pass or work permit and residing in India
 080 - 49010200
What does www.bharti-axagi.co.in

the policy 1. Medical Expenses inclusive of Repatriation and

cover? Emergency Medical Evacuation

2. Dental Care Expenses: Payment of medical expenses
related to acute anaesthetic treatment of a natural
tooth or teeth during a trip.
3. Personal Accident: Payment of compensation if the
Insured sustains accidental bodily injury during a trip
resulting in death or Permanent Total Disablement or
Permanent Partial Disablement within 12 months of
occurrence of such injury.
4. Accidental Death & Permanent Total Disablement -
Common Carrier: Payment of compensation if the
accidental injury to the Insured Person results in loss of
life or permanent total disablement while riding as a
passenger including boarding or alighting from any
common carrier.
5. Daily Allowance in case of Hospitalisation: Payment of
daily allowance for the days the Insured is hospitalised
beyond a specified number of days, as mentioned in the
Policy Schedule, for which a valid claim is admissible
under the Policy whilst on a trip abroad.
 080 - 49010200
What does www.bharti-axagi.co.in

the policy 6. Compassionate Visit: Reimbursement of round trip

cover? and stay expenses of the immediate family member to

visit the Insured if he/she is hospitalized for more than
seven consecutive days. Reimbursement of return fare
of the Insured to visit the native place in case of the
immediate family member (spouse, dependent
children or parents) being hospitalized for more than
seven consecutive days in India or in the event of
death.
7. Loss of Passport, travelers cheques, traveling
tickets/documents: Reimbursement of actual
expenses incurred in connection with obtaining a
duplicate or fresh passport or reasonable cost of
replacing/obtaining the stolen documents/ tickets if
the passport belonging to the Insured / Insured Person
be lost.
8. Delay or Total Loss of checked-in baggage: Payment
of compensation for reasonable expenses incurred for
the purchases of toiletries, clothing and medication
due to a delay in checked-in baggage or payment
towards total loss of checked baggage caused by a
common carrier.
9. Trip Delay: Reimbursement of additional expenses if
trip is delayed beyond a period, due to airline
problems, medical problems, personal employment
problems or natural disasters.
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What does www.bharti-axagi.co.in

the policy 10. Trip cancellation & interruption: Payment towards

cover? the non-refundable prepaid payments or the

additional expenses incurred on the trip being
cancelled or interrupted due to medical problems,
personal employment problems or natural disasters.
11. Missed Connection: Payment allowance towards
additional expenses incurred, upto the limits of Sum
Insured if the confirmed onward connecting flight is
missed at the transfer point by the Insured/ Insured
Person due to the late arrival or cancellation of the
incoming confirmed connecting scheduled flight.
12. Personal Liability: Compensation for liability towards
damages paid/payable to a third party, resulting from
death, injury or damage to health or property caused
involuntarily by the Insured.
13. Financial Emergency Assistance: Arrangement for
emergency cash to be made available to the Insured
in case of loss of the travel funds due to theft,
mugging, robbery and dacoity.
14. Hijack Distress Allowance: Payment of distress
allowance in case of hijack of a common carrier for
more than certain number of hours whilst on the trip.
15. Home Fire & Insurance Contents: Cover against any
loss or damage of the Contents at Home of the
Insured in India, caused by Fire and Allied perils or
through burglary and/or housebreaking while the
Insured is on a trip abroad.
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What does www.bharti-axagi.co.in

the policy 16. Loss of Deposit or cancellation - Hotel and Airline:

cover? Compensation for loss of irrevocable deposits or

charges paid in advance in case of, necessary and
unavoidable cancellation of Hotel and Airline booking.
17. Overbooked Flight: Provides for indemnifying the
Insured/ Insured Person for the expenses incurred, if
denied boarding of an aircraft on a commercial
scheduled flight due to over-booking.
18. Bail Bond: Provides for payment of bail amount on
behalf of the Insured if he/she is arrested or detained
by Police or Judicial authorities, for any bailable offence
whilst on a trip abroad.
19. Legal Expenses: Payment of legal costs and expenses
incurred by the Insured towards claims from third
Parties for compensation in respect of death or
disablement arising due to an injury whilst on a trip
abroad.
20. Emergency Accommodation Payment of compensation
for the additional cost of emergency accommodation if
the Insured/ Insured Person could not stay in the
accommodation originally booked due to fire, flood,
earthquake, storm, hurricane, explosion, outbreak of
major infectious diseases.
 What are 080 - 49010200
Schengen www.bharti-axagi.co.in

Products?
Individual/Family Travel Insurance Policy –
Schengen Products – Choose a plan that suits your
needs the best
Section Coverage Smart Traveller - Smart Traveller - Smart Traveller -
Schengen Silver Schengen Gold Schengen Platinum Deductibles

I Medical Expenses
(incl. repatriation & € 30,000 € 50,000 € 100,000 € 50
Emergency Medical
Evacuation)

II Dental Treatment Expenses € 500 € 500 € 500 € 50

III Personal Accident € 10,000 € 15,000 € 20,000 Nil

IV Accidental Death and

Dismemberment - € 2,500 € 2,500 € 2,500 Nil
Common Carrier

V Daily Allowance in case of

Hospitalisation No Cover € 25 per day € 25 per day First 2days
for 7 days for 7 days
Round trip and stay expenses of the immediate family
• These are offerings for member to visit the Insured if he/she is hospitalized for
more than 7 consecutive days.
travellers to Schengen VI Compassionate Visit
Reimbursement of return fare of the Insured to visit the
native place in the unfortunate event of the immediate
Nil

countries family member being hospitalized for more than 7

consecutive days in India or in the event of death of
spouse, dependent children or parents
• Minimum no. of days per trip VII Loss of Passport and documents € 350 € 350 € 350 € 25
is 2 days and maximum is VIII Total loss of checked baggage € 500 € 500 € 1000 Nil

356 days IX Delay of checked baggage € 100 € 100 € 100 6 hrs

X Trip Delay No Cover € 50 € 50 6 hrs

• Plans available are XI Trip Cancellation and Interruption No Cover € 500 € 500 Nil

SmartTraveller Schengen XII Missed Connection No Cover € 250 € 250 Nil

Silver, SmartTraveller XIII Personal Liability € 50,000 € 100,000 € 100,000 Nil

XIV Hijack Distress Allowance No Cover € 75 € 75 12 hours

Schengen Gold and XV Home Fire Insurance –
SmartTraveller Schengen Contents (in INR) No Cover No Cover Rs. 100000 Nil

XVI Home Burglary Insurance –

Platinum Contents (in INR) No Cover No Cover Rs. 100000 Nil
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What are www.bharti-axagi.co.in

Pre-underwritten
Products? Individual/Family Travel Insurance Policy – Pre-underwritten
Products – Choose a plan that suits your needs the best

Smart Smart Smart Smart Smart

Section Particulars of Benefit Traveller - Traveller - Traveller - Traveller - Traveller - Deductibles
Basic Regular Essential Silver Gold

I Medical Expenses
(incl. repatriation & Emergency US$ 50000 US$ 100000 US$ 200000 US$ 300000 US$ 500000 US$ 50
Medical Evacuation)

II Dental Treatment Expenses US$ 500 US$ 500 US$ 500 US$ 500 US$ 1000 US$ 50

III Personal Accident US$ 15000 US$ 20000 US$ 25000 US$ 30000 US$ 40000 Nil

IV Accidental Death and

Dismemberment - US$ 2500 US$ 2500 US$ 2500 US$ 5000 US$ 5000 Nil
Common Carrier

V Daily Allowance in case of

Hospitalisation No Cover US$ 25 US$ 25 US$ 50 US$ 50
per day per day per day per day First 2 days
for 7 days for 7 days for 7 days for 10 days

VI Compassionate Visit Round trip and stay expenses of the immediate family member to visit the
Insured if he/she is hospitalized for more than 7 consecutive days.
Nil
Reimbursement of return fare of the Insured to visit the native place in the
unfortunate event of the immediate family member being hospitalized for
more than 7 consecutive days in India or in the event of death of spouse,
dependent children or parents
VII Loss of Passport and documents US$ 350 US$ 350 US$ 350 US$ 350 US$ 350 25
• These are offerings for VIII Total loss of checked baggage* US$ 500 US$ 1000 US$ 1250 US$ 1250 US$ 2000 Nil

travellers to Non-Schengen IX Delay of checked baggage US$ 100 US$ 100 US$ 100 US$ 125 US$ 150 6 hours

X Trip Delay US$ 50 US$ 50 US$ 50 US$ 50 US$ 75 6 hours

countries XI Trip Cancellation and Interruption No Cover US$ 500 US$ 500 US$ 500 US$ 1000 Nil

XII Missed Connection No Cover US$ 250 US$ 300 US$ 350 US$ 750 Nil

• Minimum no. of days per trip XIII Personal Liability US$ 50000 US$ 100000 US$ 200000 US$ 250000 US$ 300000 Nil

XIV Financial Emergency Assistance No Cover No Cover US$ 300 US$ 350 US$ 750 Nil
is 2 days and maximum is XV Hijack Distress Allowance US$ 75 US$ 75 US$ 75 US$ 100 US$ 200 12 hours

356 days XVI Home Fire Insurance –

Contents (in INR) No Cover Rs. 200000 Rs. 200000 Rs. 300000 Rs. 500000 Nil

XVII Home Burglary Insurance –

• Plans available are Contents (in INR) No Cover Rs. 200000 Rs. 200000 Rs. 300000 Rs. 500000 Nil

SmartTraveller Gold,
XVIII Loss of Deposit or cancellation -
Hotel and Airline No Cover No Cover US$ 250 US$ 500 US$ 1000 Nil

SmartTraveller Silver, XIX Overbooked Flight No Cover No Cover US$ 250 US$ 500 US$ 1000 Nil

XX Bail Bond No Cover No Cover US$ 2500 US$ 2500 US$ 5000 Nil
SmartTraveller Essential, XXI Legal expenses No Cover No Cover US$ 100 US$ 200 US$ 400 Nil

SmartTraveller Regular and XXII Pet Care No Cover No Cover US$ 100 US$ 200 US$ 400 Nil

XXIII Emergency accommodation No Cover No Cover US$ 250 US$ 500 US$ 1000 Nil
SmartTraveller Basic *per baggage maximum 50% and per item in baggage max 10%
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What are Annual www.bharti-axagi.co.in

Multi-trip
Products? Individual/Family Travel Insurance Policy – Annual
Multi trip – Choose a plan that suits your needs the best

Section Particulars of Benefit Smart Traveller - Smart Traveller - Smart Traveller -

Multi trip Silver Multi trip Gold Multi trip Platinum Deductible

I Medical Expenses
(incl. repatriation & Emergency US$ 100000 US$ 250000 US$ 500000 US$ 50
Medical Evacuation)

I Dental Treatment Expenses US$ 500 US$ 500 US$ 1000 US$ 50

III Personal Accident US$ 20000 US$ 25000 US$ 40000 Nil

IV Accidental Death and

Dismemberment - US$ 2500 US$ 2500 US$ 5000 Nil
Common Carrier

V Daily Allowance in case of US$ 25 per day US$ 25 per day US$ 50 per day
Hospitalisation for 7 days for 7 days for 10 days 2 days

VI
• These are offerings for
travellers who travel multiple
Compassionate Visit
Round trip and stay expenses of the immediate family
member to visit the Insured if he/she is hospitalized for
more than 7 consecutive days.
Reimbursement of return fare of the Insured to visit the Nil
native place in the unfortunate event of the immediate
family member being hospitalized for more than 7

times abroad in a year consecutive days in India or in the event of death of

spouse, dependent children or parents
VII Loss of Passport and documents US$ 350 US$ 350 US$ 350 US$ 25
• Minimum no. of days per trip VIII Total loss of checked baggage US$ 1000 US$ 1250 US$ 2000 Nil

is 2 days and per trip the IX Delay of checked baggage US$ 100 US$ 100 US$ 150 6 hours

X Trip Delay US$ 50 US$ 50 US$ 75 6 hours

maximum days should not XI Trip Cancellation and Interruption US$ 500 US$ 500 US$ 1000 Nil

be more than 30 days, 45 XII Missed Connection US$ 250 US$ 300 US$ 750 Nil

XIII Personal Liability US$ 100000 US$ 200000 US$ 300000 Nil
days, and 60 days as per the XV Hijack Distress Allowance US$ 75 US$ 75 US$ 200 12 hours
plan chosen XVI Home Fire Insurance –
Contents (in INR) Rs. 100000 Rs. 200000 Rs. 500000 Nil

• Plans available are XVII Home Burglary Insurance –

Contents (in INR) Rs. 100000 Rs. 200000 Rs. 500000 Nil

SmartTraveller Multi-trip XVIII Loss of Deposit or cancellation -

Hotel and Airline No Cover US$ 250 US$ 1000 Nil
Silver, SmartTraveller XIX Overbooked Flight No Cover US$ 250 US$ 1000 Nil

Multi-trip Gold and XX Bail Bond No Cover US$ 2500 US$ 5000 Nil

XXI Legal expenses No Cover US$ 100 US$ 400 Nil

SmartTraveller Multi-trip XXII Pet Care No Cover US$ 100 US$ 400 Nil

Platinum XXIII Emergency accommodation No Cover US$ 250 US$ 1000 Nil
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General www.bharti-axagi.co.in

Exclusions
1. In respect of Medical Expenses (inclusive of Repatriation and
Emergency Medical Evacuation), Daily Allowance in case of
hospitalization, Compassionate Visit benefits, the following will not
be payable for Any pre-existing condition, Routine examinations,
Expenses for rest or recuperation at spa/ health resort/
sanatorium, Pregnancy (including childbirth, miscarriage, abortion
or related complications ) or treatment relating to the removal of
physical flaws or anomalies (cosmetic treatment or plastic
surgery).
2. Cosmetic surgery, unless such cosmetic surgery is rendered
medically necessary as part of treatment for accidents and burns
whilst being abroad.
3. Suicide, attempted or wilfully self inflicted injury or illness, mental
disorder, anxiety, stress or depression, venereal disease,
alcoholism, drunkenness or the abuse of drugs, or any loss
arising, directly or indirectly, from any injury, illness, death, loss,
expense, or other liability attributable to HIV and/or any HIV
related illness including AIDS and/or any mutant derivative or
variation thereof however caused.
4. Treatment which could be reasonably delayed until the Insured’s
return to India, which will be decided jointly by the treating
Physician and the Emergency Assistance Service Provider and
shall be in accordance with accepted standards of medical care.
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General www.bharti-axagi.co.in

Exclusions
5. the Insured taking part in naval, military or air force
operations; war and nuclear perils.
6. Insured engaging in air travel unless he or she flies as a Fare
Paying passenger in an aircraft licensed to carry passengers.
7. Participation of the Insured in winter sports, mountaineering
and such other professional sports or any other hazardous or
potentially dangerous sport for which the Insured members are
adequately trained, physically fit and using proper equipment.
and that too only if specifically agreed and mentioned in the
policy schedule.
8. Hazardous occupation, or if engaged in any criminal or illegal
act.
9. Medical Expenses in respect of Experimental, investigational or
unproven treatments or treatments which are not consistent
with or incidental to the diagnosis and treatment of the
positive existence or presence of any Illness for which
confinement is required at a Hospital. Any Illness or treatment
which is a result or a consequence of undergoing such
experimental or unproven treatment.
10. Naturopathy treatment.
11. Non Allopathic treatment e.g. - Ayurvedic, Yogic, Homeopathic,
Unani treatment(s).
 080 - 49010200
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In case of claim or any assistance kindly

contact the given numbers
For Canada (Toll Free) 844-691-8883
For USA (Toll Free) 844-691-8885
For Rest of the world
excluding Canada & USA
(Bharti AXA General +91 11 47324403
Insurance Call back
number)

Please visit our website www.bharti-axagi.co.in for a detailed

list of claims documents.

For any information pertaining to our other products,

you can call us on 080-49010222.

For general assistance:

 +91 49010200
 customer.service@bharti-axagi.co.in

IMPORTANT
*This brochure is only a brief summary of the SmartTraveller Insurance Policy
(Individuals and Families). Please contact our intermediary / sales officer / any
of our offices for the policy wordings.

Registered Office Address: Bharti AXA General Insurance Co. Ltd. First Floor, Ferns Icon, Survey No. 28, Doddanekundi,
Bangalore - 560 037. IRDA Reg. No. 139. For more details on risk factors and terms & conditions, please read the sales
brochure carefully before concluding a sale. Insurance is the subject matter of solicitation. BRO/STIF/THINQ/11-14