Bajaj Allianz respects your freedom of choice and permits you to change the insurer in addition to welcome everyone to get protection from our insurance policies. If you might be using the Caringly Yours mobile utility, there isn’t a need to seek a claim for trip delays. The utility will hold monitor of your flight and in case of a delay, the required pay-outs are routinely processed. With Bajaj Allianz, you’re going to get a special service of automatic claim settlements in case of trip delays. The COVID-19 Covers hospitalization expenses up to $10,000 for individuals until 70 years of age.
Discover our Travel Insurance products and select the coverages that best suits your wants. If you’re hiring a car abroad, drive with confidence, knowing you are lined with a Car Hire Excess Insurance from Allianz Assistance. OneTrip Premier contains all the benefits of OneTrip Prime while doubling practically all the publish-departure profit limits. It was not hard to apply for my refund, it required some proving and verification but they had been understanding.
Yes if you are travelling by any of the commercial mediums you get the requisite cover for the factors mentioned in your policy. Make sure to undergo the lined bills and conditions therewith while buying the policy. Under travel insurance, we cover all the expenses of your baggage if the bags delivery is delayed for more than 12 hours. The process includes reporting the delay in baggage with the concerned airlines you have travelled. This works as proof of delayed baggage and also helps the authorities monitor the same.
No separate claim documents are required for every member of the family underneath this policy. Yes, in case of accidents through the lined trips, all the bills including the Ambulance Charges are lined beneath Travel Insurance Policy. Yes, if a loss sustained during the policy interval while abroad ends in dying or disability after coming to India might be lined beneath Travel Insurance policy terms and conditions.
Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of those plans and an affiliate of Jefferson Insurance Company. The insured shall not obtain any special profit or benefit due to the affiliation between AGA Service Company and Jefferson Insurance Company. Any Non-Insurance Assistance services bought are offered through AGA Service Company.
You will have to pay upfront and file a claim for reimbursement with the supporting session notes and prescriptions from the doctor. You can contact your Emergency Assistance Provider /TPA in case of any emergency. All the contact details of the TPA are specified within the travel policy schedule. However, certain countries have made it necessary like Australia, Schengen international locations and so on. Travel insurance portability provides you the freedom to change the insurer without shedding any advantages supplied with the prevailing policy.
Some insurance suppliers proffer yr-lengthy coverage plans for frequent flyers. To keep away from spending recurring insurance policy prices, frequent flyers will receive the advantages for a year or a number of trips. Nothing can be more dreading and harmful than shedding your baggage or passport while on a trip. Travel insurance policy opted by you may not recover your passport or baggage, however you’re going to get coated for the loss of money or type. Although we do not wish to visit a hospital during a holiday, truly having to go there can be financially draining.
- If you already have a policy and wish to add optional covers, please contact us on .
- The Multi-Trip Travel Insurance plan is customised for these travellers who travel usually or more than once in a yr.
- Where the aged individuals require more travel assistance and they’re also vulnerable to theft and different similar incidents.
- With all its features, advantages, and enhanced capabilities, AgentMax Online is the right solution for all agents, and with its steady enhancements it’ll become the one resource you want.
- Your contents (similar to carpets, rugs, and inner blinds and so forth.), unless you could have added contents cover to your policy.
Along with this confirmation an ID card can be sent which is printable. Travel Insurance does not pay cover for the disease/complication arising out of pregnancy. In sure circumstances such as in unexpected pregnancy complications can be lined to some situations or in the prior purchase of travel insurance plan then pregnancy.
In case of any hindrance in your research travel insurance policy may assist you to by way of the Study Interruption Cover. But this could possibly be possible if the reason is legitimate and you might be hospitalised for a couple of month. The reason might be any sickness or injury, illness or any medical grounds.
One plan can cover you and your household, whether you’re traveling separately or collectively. Our most economical plan is ideal for domestic travelers who need cancellation and trip interruption benefits, however don’t need publish-departure benefits. Our most popular plan, OneTrip Prime offers expanded coverage and the additional benefit of FREE coverage for youngsters 17 and under when traveling with a father or mother or grandparent. We purchased flight tickets to Hawaii in spring 2020 for Jan 28, 2021.
Trip Insurance Coverage Overview
Set up a sequence of automated observe-up emails that will be sent to prospects who’ve declined insurance. Then sit again and let the sales come to you by switching on the worldwide setting for everybody who has not yet protected their trip. Reach your financial objectives by reserving more travel insurance insurance policies. These are extra advantages we pay in addition to your constructing sum insured. Flooding; until you could have added the elective flood cover to your policy. Your contents (corresponding to carpets, rugs, and inside blinds and so forth.), unless you could have added contents cover to your policy.
Managing your customer data when booking travel insurance simply obtained simpler. Use this simple setup guide to connect AgentMax to both ClientBase Plus or ClientBase Online. Add a quote field to your website in just a few clicks so it could possibly work more durable for you. When customers use it to purchase travel insurance, you mechanically get full credit for the simple gross sales.
Allianz employees are dedicated to helping our policyholders and meeting their wants rapidly and sensitively at a time of disaster. Allianz is trusted by over half a million clients in Ireland for a variety of insurance products. Excellent customer pleasant and responsive portal, helpful to view paperwork and updates. Useful to make use of and entry additionally exterior of business hours if required. Full European Breakdown cover consists of, when needed, a courtesy car, vehicle & passenger repatriation, car storage and in a single day accomodation.
If you are not completely satisfied, you’ve 15 days to request a refund, supplied you have not began your trip or initiated a claim. Products offered during flight purchase might provide completely different advantages than these discovered in this chart or on the Allianz Global Assistance site. Send cobranded emails with personalized quotes and have trip details conveniently pre-crammed at checkout—making it simpler for customers to guard their vacations. Whether they contact you or full the purchase online, you automatically get credit for the sale. In order to process your claim as shortly as potential we should have supporting claim paperwork. To view documents that might be required in your claim please click on beneath.
We adopted up this telephone call with two extra phone calls to two completely different reps who couldn’t validate that the copies of the required paperwork had arrived and have been acceptable. The final rep that I talked with said that there could be a return phone name in regard to this; nonetheless, it was never acquired. The end end result with the total payment of the air fare was obtained in a really timely manner. This is the only time that we have ever bought travel insurance and the only time that we would have liked it. We have all the time, and will all the time purchase trip and flight insurance.
You can repair the window and replace your locks through your Buildings insurance. You might repair or rebuild built-in broken elements of your kitchen, such as benchtops and cabinets, with Buildings cover. To request a Certificate of Currency on your existing Allianz Home Insurance policy name us on or you’ll be able to log onto My Allianz. Opt to receive your insurance documents instantly through email and help protect the environment at the similar time.
We perceive that you simply won’t be able to present receipts for each and every merchandise. You could submit photographic evidence at the side of warranty cards, manuals, receipts, financial institution or credit card statements to assist your proof of ownership. If it is an emergency, you possibly can contact Allianz Global Assistsance 24/7 on the numbers listed within the “What whether it is an emergency?” tab above. Going to the Travel Caims web site and log in utilizing your Allianz Travel Insurance policy number, name and date of birth.
Except as expressly supplied under your plan, you might be liable for expenses you incur from third parties. Contact AGA Service Company at or 9950 Mayland Drive, Richmond, VA or You can quote, buy, modify/cancel travel insurance plans, order brochures, access the waiver, see News & Resources, and set up 2nd Chance by MaxMail.
All the bills which could occur during this time which is to use for a new passport all are lined beneath the travel insurance. Yes, the travel insurance covers the injuries or mishappening which occurs through the travel span. So in case you face any type of mishappening in the course of the travel and a medical emergency comes up so all of the expenses in the course of the therapy can be lined underneath the policy. Replacement and Rearrangement of Staff This is yet once more, an unforeseen situation and is covered under the travel insurance policy.
A Travel Insurance plan specially planned for the households who travel collectively. The insurance plan covers the immediate household of the policyholder underneath the family travel insurance plan. A misplaced passport or a missed flight are very scary situations for the tourists.
Travel Insurance helps individuals travelling via components of the world with a number of plans. These plans present coverage whereas travelling to completely different elements of the world however the quantity of premium is excessive in comparison to different countries. Yes, in case you are recognized with COVID-19 within the 14 days of travel then you can get the trip cancellation coverage.
Our annual multi-trip merchandise cover you for all your trips below ninety two days inside a 12 months. This is the most effective cost-effective travel insurance in case you are a frequent traveller. Our travel insurance protects you and your loved ones while you are travelling abroad. Compare our merchandise now and select the extent of coverages that most accurately fits your wants. In most states, Rental Car Damage Protector can provide primary coverage for lined collision, loss, and damage to your rental car together with 24-hour emergency assistance. Whether you are traveling for leisure or business, you may recognize the advantages and coverage Allianz Travel Insurance plans can present.
With the free Allianz TravelSmart app, you get instant access to their coverage benefits wherever on the earth, which helps you to file claims simply and stay a step ahead during travel. In an emergency, the app might help you find a screened and approved medical facility instantly. Yes, the insured can file a travel insurance claim as soon as they return to India. But this purely relies upon upon your travel insurance agency and the travel insurance plan which one has bought. In case you wish to prolong your trip, it is recommended to increase your travel insurance plan which mechanically means an additional premium quantity to be paid. To lengthen the policy one has to fill the extension form online or one has to go to and fill the form in the nearest branch.
For the individuals above 70 years of age, the policy will cover bills up to $three,000 . With Bajaj Allianz, you stand to realize from monetary compensation and assistance to secure remedy in empanelled hospitals. Furthermore, in these hospitals, you can even get cashless therapy facilitated through the insurance cover. to get one insurance plan for the complete family as a substitute of buying completely different plans for various age teams. Ltd. to call me on the contact number made out there by me on the website with a particular request to name again at a convenient time. Furthermore, I understand that these calls might be recorded & monitored for high quality & coaching functions, and could also be made available to me if required.
What’s Travel Insurance?
The add-on covers are typically added to lower the monetary burden that you just’re likely to incur at the occasion of a mishap. It have to be noted that the insured must current a COVID unfavorable report 72 hours earlier than travelling. If this is not obtainable, the insured have to wait for 7 days for the insurance coverage to begin.
You have to rearrange and submit the travel insurance claim paperwork inside the 30 days from the date of return to India or expiry date of the travel insurance policy whichever is earlier. If you fall ill whereas travelling overseas, you’ll be able to visit any hospital and intimate the travel insurance company after your visit to register a claim for reimbursement. Sum insured refers to the maximum coverage you’re entitled to underneath a specific profit. This profit is mentioned in your policy schedule towards each benefit like medical, baggage loss, trip cancellation and so forth. Most travel insurance suppliers in India do not present travel insurance to people travelling abroad on a work permit. It is advisable to check with your travel insurance supplier earlier than purchasing the travel insurance policy.
A commonplace travel insurance policy won’t provide any kind of cover towards the home or its contents. To avail for a similar, you need to get an add-on cover in your insurance policy. Yes, if in a coated period any loss occurs then the insured will get the claim.
Among several measures in place, travel restrictions have been put into place to curb the unfold. It has a particular function of the extension of the validity up to particular time, mainly 2 years. A Travel Insurance is a cushion which takes the blow for the autumn, makes your trip extra fun and memorable.
People belonging to completely different age teams have diversified preferences concerning a trip. Where the aged people require more travel assistance and they’re also vulnerable to theft and different comparable incidents. The good factor is you could buy travel insurance policy specific to your age group with apt benefits and coverage. Allianz Global Assistance is among the largest travel insurance companies and presents confirmed trip protection for vacations across the world.
After every claim-free year, the No Claim Bonus low cost utilized to your renewal premium might be increased by 10%, to a maximum of 30%. However, for each claim you make in a year, the No Claim Bonus discount utilized to your renewal premium shall be decreased by 10% – to a minimal of 0%. The No Claim Bonus discount is utilized to some optional covers if chosen; Motor burnout and Accidental damage, however not Flood or Portable contents cover. When you take out a brand new policy, we calculate your No Claims Bonus based mostly on your home insurance claims history. To qualify for the utmost No Claim Bonus of 30%, home insurance prospects will need to have had no Building or Contents insurance claims within the preceding five years.
While shopping for an insurance policy, your aim should be to spend the minimum quantity and get the very best extent of benefits. Not only can you find out your month-to-month funds but additionally customize the policy-based options to fit your needs and budget. Before you should buy travel insurance online, Bajaj Allianz provides you the option to calculate the insurance premium with a few steps. Below you will find omissions in insurance claims submitted while travelling in Schengen nations. In this, a question arises that what sort of coverage insurance companies will provide once the borders open again.
Yes, your travel insurer will cover all the expenses and losses incurred due to flight cancellation before the date of the departure. Yes, you can purchase a trip insurance policy on behalf of your dad and mom as a proposer. Premium bank cards supply a lot of travel advantages together with travel insurance.
Travel Insurance offers coverage towards numerous types of emergencies like medical expenses. You already know you need a complete travel insurance plan in case of medical emergencies or other sudden events when you’re traveling. If you’re planning three or extra separate journeys in a 12 months, you’ll be able to cover them all for less with an annual travel insurance plan. This plan offers advantages for emergency medical expenses and travel mishaps, corresponding to trip delays and misplaced luggage, with out trip cancellation/interruption benefits. Allianz is an inexpensive travel insurance company with worldwide coverage. While Allianz doesn’t offer customizable or flexible coverage, its numerous coverage ranges guarantee most everyone will find a package deal for them.
While international travel may not be on most American’s minds in the near future, a majority do plan to fly for their next trip, according to a new survey by travel insurance company Allianz Travel. https://t.co/drOZ8FuJZa
— Travel + Leisure (@TravelLeisure) August 5, 2020
Any sort of emergency state of affairs can result in trip cancellation or curtailment. But with the travel insurance policy you can get reimbursed for the ticket bills. The Corporate travel insurance plans serve best to the businessmen travelling regularly for corporate works. The beneficiaries beneath this plan can get pleasure from a 12 months-long of advantages and policy coverage, allowing travel in and overseas with a peace of mind.
For example, you’ll be able to choose to add rental car protection or medical insurance for an extra price. No, the isolation and quarantine expenses aren’t covered by any insurer of the Travel insurance policy. The re-reserving quantity, however, could or may not be covered by a number of insurers. Travel Insurance plans do not cover any of the details and conditions which aren’t lined. When one purchases the travel insurance online, a affirmation is instantly obtained.
Luckily, the method was clean and painless, and Allianz refunded our whole deposit to us. My siblings and I planned an expensive trip to Cuba, so our mother might return to her homeland for the primary time since she and our father have been married there in 1959. We have been going with a bunch of 12 of us, as our older kids wished to experience Cuba first-hand, as nicely. Luckily, we purchased insurance for every of us, as we had no concept what would happen between the time we booked the trip, and the actual trip date!
Even although an aeroplane is taken into account one of the most secure methods to travel, accidents do not knock before coming. Flight-associated points embody the delayed travel or hijack situation, the insurance plan will cover you for the bills occurring in the course of the course of adversity. Now that you just perceive the importance of buying travel insurance, it is very important understand its potential to offer coverage. Hence, listed beneath are the important features of getting to know how travel insurance in India may help you enjoy your holiday.
— Alan Jordan (@AlanJor03481923) June 1, 2020
Personal injuries incurred in the course of the trip are compensated or expenses are undertaken by the travel insurance company. Injuries met beneath the affect of drugs or alcohol usually are not lined. Riots, protests, strikes, pure calamities, dying in the household, bad weather, and so forth.
All these bills are covered in Travel Insurance and shall be paid by the Bajaj Allianz. Apart from this Travel insurance policy additionally pay for the Compassionate visit in such circumstances. Yes, even when one suffers from Hypertension or Diabetes one can buy travel insurance however one has to reveal this fact before buying the travel insurance policy.
For reference, your policy quantity is in the documents you acquired when you purchased your policy. For travel and events affected by COVID-19, many airlines, travel suppliers, and ticket issuers are permitting for flexible changes, issuing refunds, and/or providing vouchers. We suggest contacting your supplier to understand the choices out there to you.
If you meet with an accident whereas ballooning/gliding, then you’ll have to bear therapy expenses on your own. This is as a result of many travel insurance companies do not cover adventure sports actions until you buy additional cover for journey sports activities. You will obtain a duplicate of the travel insurance policy detailing the benefit of the policy from the insurer. Yes, the travel dates could be altered in travel policy after contacting the travel insurance firm. You can check the status of the travel insurance policy by registering yourself on The travel insurance portal and login together with your username and password. This will provide you with all the knowledge associated to your travel insurance policy.
Leave apart the financial backup and roaming round abroad without any sufficient insurance coverage, as this will prove fatal on the times of an unlucky occasion. Always remember that a travel insurance policy is an funding as a result of it’s one thing that you simply’re doing for yourself and your family members to keep them safe. Now, you can select a travel insurance policy online sitting on the comfort of your house.
● First, you have to gather all of the required documents and submit authentic copies at the BAGIC HAT. The Reimbursement claim process takes around 10 days supplied you complete the documentation and the paper submission is accurate. ● In case the information offered is incomplete or missing, you will be asked to finish the formalities and the claim process will proceed. ● Once the claim is submitted and verified, you and your care-provider will receive a fee assure letter. ● Initially, you have to submit the paperwork online for verification. Sovereign governments have put several restrictions on the citizens and inhibit the spread of the virus.
Please observe that we are going to not pay for any hospital or medical costs incurred in Australia. Yes, you can track your claim’s progress anytime by using the My Claim Status device on the Travel Claims web site. Log in utilizing your Allianz Travel Insurance policy number, name and date of delivery.
This is why an optional cover is made to keep away from the danger of enormous medical bills for travellers. Yes, a number of travel insurance companies have developed coronavirus-oriented travel insurance coverage plans in India. The beneficiaries of those travel insurance insurance policies stand to receive compensation for medical remedy , delays or cancellation expenses, misplaced baggage, and so on. Any financial loss occurring before or in the course of the trip is roofed by the travel insurance coverage as a complete cover.
Although this completely relies upon upon the insurer and the travel insurance one has purchased. The extent of documentation required to get the travel insurance claim is minimal and this makes the process clean. The documents required in case of a web-based purchase is the ID card and identification paperwork. No, you will not should pay for a doctor, hospital, and service supplier.
Covers you for loss or damage to your home caused by flood and certain flood associated occasions. Your proof of insurance, Certificate of Currency , shall be emailed immediately after you purchase your policy. Medical cover underneath this policy ends upon safely repatriating home to Australia, from which level the local healthcare system will give you any additional remedy you require. A normal excess is the amount which shall be deducted from any claim paid to you under the sections of your policy to which an excess applies.
If it is after the beginning date and non-departure, then you have to present proof of your non-travel, a full refund much less the cancellation expenses shall be offered. ● Confirmation letter from the airline authorities in regards to the loss of baggage. The motive is to give you the best quote characterized by a minimal error. It can be possible to enter the traveller details with the online calculator. Bajaj Allianz has a typical insurance premium calculator churning out purpose-particular premium quotes. Maternity and Baby Cover from Day One Coverage So there may be an extra profit for the pregnant mommies!
The insurer can provide them with the travel insurance plans which will cover all their pursuits. The insurance company can only counsel you go for a greater plan with add-ons but won’t determine the scope for you. Yes, international travel insurance covers the insured in case of emergency medical attention required on an OPD basis. If any handbag is lost during travelling it doesn’t get lined beneath travel insurance. The policy only speaks for any delay in baggage which might be handled by the airliners. However, you have to current the required documents of baggage delay to get the benefit.
The most number of travel days under a single trip that will be insured is 182 days. Yes, you can lengthen the travel insurance policy any variety of instances. But this holds true only if the total length of the policy is the same as or less than 360 Days. Yes, it’s mandatory for the shopper to be in India as a result of when you depart from India, you can’t buy the travel insurance policy. Emergency assistance refers to a service which offers help in medical emergencies during travel or you’re in need of pressing care.
Most annual plans offer a yr’s price of protection for health, property and trip prices. Look for a travel insurance policy that provides emergency medical coverage, coverage in case of sickness or demise of a member of the family and travel delay coverage, among other issues. Keep in mind that most annual trip insurance plans have a coverage limit for trip cancellations and trip interruptions. The travel insurance policy covers will compensate you for any unlucky losses or outcomes of an accident that takes place during your travel.
The assistance service provider could also be referred to as first, or after the individual has been taken by local emergency companies to the hospital. Emergency assistance contact information could be found in your travel insurance provider’s contact page. The travel insurance policy gained’t cover Injuries as a result of participation in journey sports.
Then I tried to file a claim online but the claim would not transmit as a result of “unexpected technical error”. We tried to fax a claim but the fax number stored coming again “busy/no response”. Finally, I wrote a letter and made copies of our physician’s letters, our flight information, our Allianz contract- everything- and mailed it to Richmond, Va. We did obtain an e-mail acknowledging receipt of our letter and eventually, one other e-mail saying that we would obtain a refund check.
Yes, travel insurance insurance policies cover credit card loss, having a travel policy masking credit card loss helps get well credit card substitute cost and compensation of any fraudulent transactions. You can also cancel your health insurance policy earlier than its expiry as an alternative of renewing it. You may additionally be eligible for sure benefits, if you give up your policy after renewing it with out break for a certain fixed number of years. You can contact your health insurance provider and know the complete details to cancel your medical insurance plan. Yes, to buy any sort of travel insurance policy from Bajaj Allianz or any other insurance provider you have to be present in India.
We need to discuss the impression of travel insurance close to the impression of coronavirus in India. Credit card theft is the cover which should be a must when travelling abroad. If and when your credit card is stolen or misplaced, instantly inform your insurer.
Having said that, there are some international locations which necessitate that each non-citizen is secured with a travel insurance policy. Without submitting the insurance affirmation, you may not get a visa for these countries. It is imperative to understand the travel insurance claim process when you’re visiting abroad. The best approach to file a claim is online by way of your cellular utility or verify the website for the claim procedure. Add-ons are the extra features or the benefits you add to the travel insurance to make it even more in depth and airtight.
Soon after COVID19 grew to become a pandemic and by January 21, the pandemic was not over. Since my husband has a pre-existing cardiovascular condition, cabgx4 and stents, we selected to cancel as a substitute of risking his health. Before buying this trip insurance, be able to spend one hour or more studying their Policy. As you will note, virtually all normal life issues are a part of the “excluded” part.
When you compare travel insurance online, it turns into simpler to create an inventory of potential insurance providers with companies and benefits particular to your travel plans. Another significant good thing about using the online travel insurance policy premium calculator is that you can compare the premiums of different types of policies and firms. With the internet-primarily based calculator, you can also tweak your responses to try out different combos of policies and get an apt travel insurance policy. For calculating the travel insurance premium, our calculator also supplies you with additional options like the vacation spot, duration, and dates of travel.
Our proven return to work record, decreasing claims prices and bettering worker nicely-being. Workers compensation operates under advanced state-based laws that may make understanding your obligations and managing your claims tough. Our professional team understands the complexities of workers compensation and will support your business and injured staff through the claims management process. No medical or blood checks are required to apply and you will get a preliminary quote in minutes.
Repatriation covers the cost of being transported home if it is medically essential after a medical emergency has been stabilized. If the worst happens and a lined traveller dies on the trip outdoors the home country, this service will transport the stays again home. Yes, the non-refundable tickets are also lined underneath your travel insurance policy. But, the quantity of compensation is dependent upon your insurance insurance policies and conditions.
In uncommon instances, if your aircraft gets hijacked during a trip, having this cover of a policy can compensate you for the emotional misery. These kinds of policy covers aren’t generally opted by the policyholder but when travelling to destinations unknown, might help with having this cover immensely. In conditions of flight delay and re-booking a brand new flight, the unplanned extra expenses are compensated or booked by the insurance company if possible. In some situations the travel insurance firm could offer to guide a brand new flight for you, if delayed, but you must inform the insurer promptly.
There are a number of limits, rules and different obligations that one has to undergo, earlier than opting for travel insurance plans. So, the extra add-ons you include in your policy, the upper shall be your premium that must be paid. It’s at all times recommended to add features that act as a value addition to the policy. Most of the time, people who go for the choice of travel insurance policy plans are dubious about what it covers.
We don’t provide recommendation primarily based on any consideration of your objectives, financial state of affairs or needs. Before making a choice please think about the product disclosure statement obtainable at If you purchase this insurance, AGA will receive a fee that is a percentage of the premium. Ask us for more details before we provide you with any services on this product. If your claim relates to cancellation or medical expenses arising from damage, sickness or death, the standard treating physician in Australia must full this section of the form. Medical bills have to be incurred on the advice of a Medical Adviser.
Perfect for those who travel often whether or not in the UK, Europe or Worldwide. 24/7 Roadside Assistance with cover throughout the UK and Continental Europe. If you have been referred by a travel agent, enter the ACCAM number supplied by your agent. You have to obtain and fill the extension form, for the rationale one has to disclose their condition. The insurer needs to be knowledgeable when you get contracted instantly. There are no provisions to avail any type of discount in your premium quantity.