Senior Citizen Travel Insurance

Exploring the hidden places in the world makes you feel younger and makes your life healthier, too.  Your age should never come in the way.  Always remember that travelling is for everyone; it does not fall into a specific age range.

But have you ever wondered about securing your trip with a senior citizen travel insurance plan? If you have not, then do not worry, because we have got you covered with the best senior citizen travel insurance plan. Learn the benefits and secure your next journey today!

What is Senior Citizen Travel Insurance?

Senior citizen travel insurance is a policy tailored for travellers who are 60+. It covers unexpected medical emergencies, trip disruptions and personal accidents during travel, considering the higher health risks of the senior travellers.  If you are 60 or above, at Bajaj General Insurance, you will get plans that cater to individual needs. 

Additionally, travel insurance for seniors is mandatory in Schengen countries, in the USA and many more. While standard plans may not include senior coverage, Bajaj General Insurance Limited bridges this gap with specialised options, including travel insurance for seniors over 70.

Bajaj General Insurance’s senior citizen travel insurance plan, thus, ensures that you travel confidently, knowing you're protected against unforeseen events while enjoying your life by viewing the serene beauty of the Northern lights.

You need senior citizen travel insurance because travelling domestically or internationally might come with unforeseen events. Suppose you went trekking, and an ankle twist results in a bone fracture. What will you do then?

Medical costs outside your state or country are expensive, and you would not want to spend time worrying about where to go for the treatment or whom you should call. At this moment, all you need to do is inform your insurance company.

Having travel insurance not only offers you a financial safety net. Rather, it also works as an umbrella to safeguard you from any medical situation. From cashless treatment to 24/7 support, senior citizen travel insurance is all you need.

Additionally, you need senior citizen travel insurance in the event of

1. Loss of checked-in baggage.

2. When the flight gets delayed.

3. Trips were disrupted due to poor weather conditions.

List of Countries Where Travel Insurance is Mandatory

Read the list of countries and get an idea of where travel insurance is mandatory

Schengen Countries

If you are planning to travel to any one of the 26 Schengen countries, then you must ensure that you have a valid travel insurance plan. 

Morocco

If you want to visit places such as Casablanca and some of the beautiful mosques, you should have travel insurance before applying for a visa.  

Cuba

Witnessing the tropical climate of Cuba may come with unexpected events, sudden illnesses. Hence, secure your trip to Cuba with a travel insurance plan to enjoy a stress-free trip.

Turkey

Turkey will not let you enter until you have a travel insurance plan. This is one of the countries where travel insurance is strictly mandatory.

Iran

Similar to these countries, to visit Iran, you also need a valid travel insurance. This is applicable if you have received an Iranian visa on arrival or from an embassy; travel insurance is a must. 

UAE

If you want to explore the cities of the United Arab Emirates, then you need to ensure that you have a valid senior travel insurance. Travel insurance is indeed mandatory in the UAE.

Nepal

If you wonder, travel insurance is mandatory for which other country, then Nepal is also another answer. The Government of Nepal has made it mandatory for every traveller. 

If you are planning to visit any of the mentioned places, then do not wait and secure your trip with a valid senior citizen travel insurance. It is as important as keeping your health safe.

Things to Consider Before Buying Travel Insurance for Seniors

Before purchasing a travel insurance plan for senior citizens, you need to keep in mind the following:

1. You need to ensure that your insurance plan covers potential health issues. 

2. If you have any pre-medical condition, you need to ensure that you are disclosing this to the insurance company to prevent claim rejection. 

3. Verify the age limit and any age-based premium variations. 

4. If your trip is for an extended period, then opt for a long-term travel insurance policy.

5. Read through the policy wording carefully to obtain what is not covered in your plan. 

6. Ensure that your insurance company provides 24*7 global assistance. 

7. Look through the add-ons and consider purchasing additional coverage to enhance your senior citizen travel insurance.

8. For seniors, raising a claim through phone or app can be challenging. Choose an insurance company like Bajaj General that helps you raise a claim over call.

Our senior citizen travel insurance plan ensures that you are safe and protected in your trip. This plan is made for seniors aged 61 to 70+ years old, and additionally offers flexibility by providing trip coverage from 1 to 180 days. Moreover, this plan comes in various plans, including standard, silver, gold, platinum, super age, corporate life and corporate plus. 

The benefits of purchasing Bajaj General travel insurance for seniors include:

24/7 Support Anywhere in the World

Bajaj General Insurance gives you 24/7 assistance. Wherever you go to enjoy your holidays, if you find yourself in a distressing situation, give us a missed call on our toll-free number +91-124-6174720. Our customer service representative will connect with you and solve your queries.

Quick Claim Settlement

We’ve aligned our processes and people to ensure that when it comes to claim settlement, it’s as quick and hassle-free for you as it can be. The claim process is paperless and smartphone-enabled. 

Cashless Hospitalisation

You do not need to worry about gathering money to pay hospital bills.  Our Senior Citizen Travel Insurance Policy offers direct settlement for in-hospital medical expenses abroad (subject to policy terms and conditions and sub-limits).

Home Burglary Insurance

 Any theft or burglary at home when you are enjoying your trip can create a great financial impact and wipe out all your finances. However, with Bajaj General Insurance, this can be managed. We will protect you in such an event. It offers protection at your insured residence in India while you are travelling abroad.  

What is Included In Bajaj General Senior Citizen Insurance Policy?

1. Medical expenses, evacuation and repatriation

2. Home burglary insurance

3. Hospitalisation daily allowance

4. Trip curtailment

5. Loss of checked-in baggage

6. Personal accident

8. Loss of passport

9. Personal liability

10.  Hijack coverage

11. Trip delay compensation

What is Excluded from the Bajaj General Senior Citizen Insurance Policy?

1. If there was a pre-existing medical condition that you were suffering from before the commencement of the policy.

2. We will not cover any self-inflicted injury.

3. If you are under the influence of a drug or alcohol.

4. If you engage in any unlawful or criminal activity.

5. Participation as a driver in activities such as racing and trial runs.

6. Any war-related participation is not covered. 

What Personal Accidents are Covered Under the Bajaj General Senior Citizen Insurance Policy?

Permanent or Total Disability

Health-related occurrences always come unnoticed. One unexpected situation can alter the whole situation. During your trip, if you face any situation that results in permanent or total disability, we will cover you with the sum insured stated in the policy. 

Death

If during the policy you face any accidental bodily injury during your trip that directly or independently leads to death, then we will pay the sum insured stated in the policy. 

Daycare Procedure Coverage

In the event of any unexpected medical or accidental expenses, we will cover the daycare procedure in the event of 24-hour hospitalisation.

Add-On Covers Offered in a Senior Citizen Travel Insurance Policy

Trip Cancellation

If your trip gets cancelled under any circumstances, such as the death of you or your family member 7 days before the trip, sudden illness or serious injury or due to any natural calamity. We will cover you in any situation.

Emergency Hotel Extension

We will reimburse you if you are unable to board the flight on the set date from your destination due to a medical emergency, and the hotel stays are extended. We will be required to pay a reasonable amount to you in this situation.

Missed Connection

In the event of a flight delay beyond 6 hours, and the train that you have booked in India delays more than 12 hours, you will get a reimbursement for this.

Bounced Hotel

Bajaj General Insurance policy provides you coverage in case of additional costs incurred due to a denial of a booked hotel service.

Delay of Checked Baggage

We will indemnify you in the event of delayed baggage during complete and permanent destruction of your baggage, and loss of your baggage.

Step 1: Go to the official site of Bajaj General Insurance’s senior citizen travel insurance purchase page. 

Step 2: Enter your name, contact number and pincode (enter the name in capital letters), and click on send OTP.

Step 3: Verify your OTP, and you will be redirected to the page from where you can choose your travel type, whether it is international or domestic. 

Step 4: Select the travel type, either international or domestic.

Step 5: Select the country option and choose the country you will be visiting (you can choose multiple countries if you are visiting two or more in your trip).

Step 6: Choose the day your trip starts and the day it ends from the given calendar and select Proceed.

Step 7: Enter your DOB and click on Proceed again.

Step 8: You will be redirected to the page where we will give you the best insurance plans. Select the one that suits your preference. 

Step 9: Enter your PAN Card details for KYC verification.

Step 10: Upon successful verification, you can make your payment and purchase a travel insurance plan. 

List of Claim Documents Specific to Trip Cancellation

1. Dully fill in the claim settlement form by you.

2. The hospital discharge summary, along with all the medical bills and reports. 

3. All bills of payment for ticket cancellation.

4. Cancelled cheque and NEFT form.

5. Death certificate, if applicable.

List of Claim Documents Specific to Emergency Hotel Extension

1. Proof of documents for extension or cancellation of hotel stay.

2. Payment receipt showing the amount you have paid for the extension.

3. Correctly filled claim form.

4. Original copy of your policy.

List of Claim Documents Specific to Missed Connection

1. The claim form is to be duly signed by you.

2. Airline letters stating the reasons for flight delay or flight cancellation. 

3. Ticket itinerary.

4. Cancelled cheque and NEFT form.

5. Invoices against additional reasonable expenses. 

List of Claim Documents Specific to the Delay of Checked Baggage

1. Duly filled claim form.

2. Copies of baggage tags, boarding pass or ticket.

3. Copies from airlines about the actual time and delivery of the baggage.

4. Property Irregularity Report to be secured by the airlines. 

5. Ticket itinerary.

Why Choose Bajaj General Senior Citizen Travel Insurance?

You should choose Bajaj General Insurance Limited because it offers some of the best travel insurance for seniors over 70, with plans designed only for you.

It is not limited to one coverage, rather expands to give you coverage for medical expenses, cashless hospitalisation and protection against unforeseen risks. Further ensuring that you are travelling worry-free and getting 24/7 support whenever you are in distress. 

Choose Bajaj General Insurance today and get 5% instant discount by purchasing online!