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