Travel Insurance 120 views June 11, 2021

Aditya Birla Travel Insurance

Aditya Birla Travel Insurance covers medical and hospitalization expenses, accidental death, permanent disablement, checked-in baggage loss/delay, loss of passport, etc. Group Activ Travel is one such policy that safeguards the employees of an organization or company financially against such instances. This Aditya Birla Travel Insurance Plan covers in-patient care, day care treatment and offers numerous other benefits. Let’s know about them in detail.

Group Activ Travel Medical Coverages

The insurer provides the employer following coverages under this policy:

In-patient Care with Day Care Treatment

If the insured person is diagnosed with an illness or suffers an injury during the trip and needs to undergo any of the day care treatments as specified in the policy schedule, the insurer shall indemnify the incurred medical expenses. The hospitalization or day care treatment should commence and continue on the written advice of a medical practitioner.

In-patient Care for Injury with Day Care Treatment

If the insured person suffers an injury during a trip and has been advised by a medical practitioner to undergo any day care treatments as specified in the policy schedule, the insurer shall indemnify the medical expenses incurred on such hospitalization or day care treatment.

Group Activ Travel Medical Cover Extensions

The policyholder (employer) can add any of the following extensions under this policy:

  1. Pre-existing diseases cover in a life-threatening medical condition
  2. Extended cover in the country of residence
  3. Automatic extension
  4. Additional sum insured in case of an accident
  5. Maternity cover
  6. Treatment of mental and nervous disorders
  7. HIV/AIDS Cover
  8. Drug & Alcohol Abuse
  9. Self-inflicted injury
  10. Maternity Complications
  11. Restriction/Sub-limit on medical expenses
  12. Adventure sports injury
  13. Professional sports injury
  14. Corporate Floater
  15. Medical evacuation
  16. Repatriation of mortal remains
  17. Dental expenses
  18. Loss of passport
  19. Loss of checked-in baggage
  20. Delay of checked-in baggage
  21. Personal accident
  22. Common carrier fatality
  23. Personal liability
  24. Hijack distress allowance
  25. Emergency cash allowance
  26. Trip cancellation & interruption
  27. Trip delay
  28. Bounce booking
  29. Political risk & catastrophic evacuation
  30. Compassionate visit
  31. Missed connection
  32. Identity document theft
  33. Return of minor child
  34. Upgradation to business class
  35. Daily allowance
  36. Replacement staff
  37. Emergency hotel accommodation/extension
  38. Out-patient Cover
  39. Hotel cancellation
  40. Reimbursement of golf fees and other non-transferable ticket expenses
  41. Home care
  42. Maternity cash benefit
  43. Loss of laptop, tablet, handbag, mobile
  44. Parent accommodation
  45. Bail bond
  46. Sponsor protection
  47. Study Interruption
  48. Mugging Cover
  49. Mid trip medical cover continuance in India
  50. Domestic help post hospitalization
  51. Home Burglary
  52. Emergency home visit
  53. Lifestyle support
  54. Missed carrier
  55. Additional services
  56. Coverage in the city of residence for medical cover
  57. Coverage in the city of residence for personal accident
  58. Coverage in the city of residence for daily allowance
  59. Coverage in the city of residence for out-patient cover
  60. Coverage in the city of residence for loss of laptop, tablet, handbag, mobile
  61. Coverage in the city of residence for home burglary

Exclusions from Group Activ Travel Policy

The insurer shall not provide coverage to the insured person in case of the following:

  1. Treatment received by excluded providers
  2. Traveling against the advice of a Medical Practitioner
  3. Receiving medical treatment for an existing illness/ diagnose/ condition
  4. Traveling to obtain medical treatment
  5. Participation in a naval, military or air force operation or warlike or peacekeeping operation
  6. Traveling to any country for which the insured person’s visa is not allotted
  7. Self-destruction or self-inflicted injury, attempted suicide or suicide
  8.  Breach of any law
  9. Any condition directly or indirectly caused by or associated with any sexually transmitted disease, such as Genital Warts, Syphilis, Gonorrhoea, Genital Herpes, Chlamydia, Pubic Lice and Trichomoniasis, Acquired ImmunoDeficiency Syndrome (AIDS), etc.
  10. Any treatment arising from or traceable to pregnancy
  11. Any treatment arising from or traceable to any fertility, infertility, subfertility or assisted conception procedure
  12. Dental treatment
  13. Unproven treatments

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