Schengen Low Cost Travel Insurance is an entry-tier travel insurance plan designed for high-volume B2B distribution. It provides essential coverage — including medical emergencies, trip interruption, personal liability, and baggage — specifically tailored to meet Schengen visa requirements for travellers heading to Europe's Schengen zone.
The plan covers all 27 Schengen Area member countries, including France, Germany, Spain, Italy, the Netherlands, Switzerland, Austria, Portugal, and others. It is specifically designed to satisfy the minimum insurance requirements for Schengen visa applicants.
Schengen visa regulations require a minimum medical coverage of €30,000 for emergency medical and repatriation expenses. The AGI Schengen Low Cost plan meets and satisfies this minimum requirement, making it suitable for visa application purposes.
The plan is primarily designed for single-trip distribution — ideal for checkout bundle integration at point of booking. Contact our partnerships team for discussions on multi-trip or annual policy structures that may be available depending on your distribution channel.
This plan is best suited to high-volume channels such as OTAs, travel booking platforms, visa agencies, banks distributing at checkout, and affinity programmes with price-sensitive customer bases seeking compliant, straightforward coverage at a competitive price point.
Yes. Schengen Low Cost can be bundled with add-ons such as TraceMyBag™, Visa Refusal Fees Assist, or Telehealth Assist to create differentiated premium tiers — increasing average order value and customer satisfaction without complicating the core product.
Schengen Standard is an enhanced-tier plan with higher medical coverage limits, broader benefit scope, and additional features such as trip cancellation, enhanced baggage cover, flight delay benefits, and personal accident coverage. It is positioned for customers who want stronger protection and partners who want to offer a premium upgrade path with better margins.
Yes. Schengen Standard includes pre-departure trip cancellation cover for a range of specified reasons, including unforeseen illness or injury, bereavement of an immediate family member, and other covered events. The Low Cost plan does not include trip cancellation — this is one of the key differentiating features of the Standard tier.
The Schengen Standard plan provides significantly higher medical expense limits than the minimum Schengen visa requirement of €30,000 — offering stronger protection for travellers and better perceived value for partners. Contact our team for specific coverage schedules applicable to your distribution agreement.
Yes. The Schengen Standard plan is well suited to corporate travel managers and business travel platforms where travellers expect more comprehensive coverage. The enhanced benefits — including personal accident, higher medical limits, and trip cancellation — align better with corporate duty-of-care expectations.
Absolutely — and this is the recommended approach. Offering Low Cost and Standard side by side creates a clear upgrade path, increases average revenue per policy, and gives customers the ability to self-select based on their needs and budget. AGI can support partners in designing the comparison presentation and communication materials.
A2A stands for "Airport to Airport" — representing full journey coverage from the moment the traveller departs to when they return home. The plan provides comprehensive travel insurance covering medical emergencies, trip cancellation and interruption, flight delays, baggage loss, and personal liability for all commercial airline destinations globally.
The Schengen plans are specifically designed for travel within the Schengen Area and are calibrated to meet EU visa requirements. A2A Travel Insurance is a global plan with no geographic restriction — making it suitable for any international travel corridor, including non-Schengen destinations across Asia, Americas, Middle East, Africa, and beyond.
Yes — A2A Travel Insurance is specifically designed for OTA and travel platform integration. It can be offered at the point of flight or holiday booking as a single-click add-on. AGI provides API-ready product structures and distribution support to minimise the technical effort of integration.
Yes. A2A Travel Insurance is well suited to loyalty programme bundles, card product benefits, and membership perks. It can be positioned as a complimentary benefit for premium cardholders or as a subsidised or full-price add-on within a loyalty platform — depending on the partner's commercial model.
The A2A plan is primarily structured for international travel. Coverage for domestic routes depends on the specific distribution arrangement and destination market. Please contact our partnerships team to discuss domestic coverage configurations available for your market and platform.
Credit Life Insurance settles a borrower's outstanding loan balance in the event of death, permanent disability, or critical illness during the loan tenure. It protects borrowers' families from inheriting unpaid debt and protects lenders from credit losses — creating dual protection for both sides of the lending relationship.
AGI's Credit Life Insurance is structured to cover home loans, personal loans, business and SME loans, vehicle loans, microfinance and group loans, and digital or fintech lending products. The coverage structure is flexible and can be adapted to specific loan portfolios depending on the lending partner's requirements.
Critical Illness cover is available as an optional enhancement to the core Credit Life policy. The base plan covers death and permanent disability. Adding critical illness cover expands the trigger events to include listed serious conditions such as cancer, stroke, and heart attack. Contact our team for coverage schedules and inclusion options.
Yes. Credit Life Insurance is available as a group master policy held by the lending institution — covering all eligible borrowers under a single policy framework. This significantly reduces administrative overhead for banks and NBFCs. Individual policy models are also available depending on the distribution preference and regulatory requirements.
Credit Life premiums can be structured as a single premium collected at loan disbursal — often built into the loan amount itself — or as instalment-based premiums aligned to the loan repayment schedule. The most common approach for B2B partners is a single upfront premium for simplicity of administration and customer communication.
Claims are typically supported by the original policy or loan documents, a death certificate (for death claims) or medical certification from a qualified physician (for disability or critical illness claims), and a statement of the outstanding loan balance from the lender. AGI's claims process is designed to minimise paperwork and process claims efficiently.
Second Opinion is a non-insurance value add-on that gives customers access to an independent panel of specialist physicians who review their diagnosis and provide an unbiased expert assessment. The customer submits their medical records and receives a comprehensive written report with the specialist's findings and recommendations — without needing to physically visit the specialist.
The Second Opinion service covers a wide range of medical conditions — including but not limited to cancer diagnoses, cardiac conditions, neurological conditions, orthopaedic assessments, and other complex or life-impacting diagnoses. The service is designed to support customers who have received a significant diagnosis and wish to verify it before proceeding with treatment.
Turnaround times vary depending on the complexity of the medical case and the specialist required. Standard cases are typically completed within 5–10 business days of receiving complete medical documentation. Urgent cases can often be expedited — contact our partnerships team for details on priority service availability.
Yes. Family inclusion is an available option that extends Second Opinion access to the policyholder's immediate family. This is particularly valuable for corporate benefit propositions and premium membership programmes where the value proposition extends beyond the individual employee or member.
Second Opinion works particularly well alongside health-adjacent insurance products such as Expat Health and corporate benefit plans. It adds tangible, accessible value that customers can actually experience — increasing perceived product value, customer satisfaction, and renewal rates compared to insurance-only propositions.
Ground Ambulance Assist provides 24/7 coordination and dispatch of ground ambulance services for policyholders in emergency situations. It covers emergency response to the customer's location, hospital-to-hospital transfers, and coordination with trained paramedical crews. The service focuses on rapid response logistics — reducing the burden on the customer during a medical emergency.
Usage limits and policy conditions depend on the specific distribution arrangement agreed with AGI. Please contact our partnerships team for the full benefit schedule applicable to your channel. For most standard configurations, the service covers genuine medical emergency dispatches during the policy tenure.
Customers contact the 24/7 dedicated assistance helpline number provided with their policy. The coordination team immediately triages the situation, dispatches the nearest available ambulance unit, and keeps the customer informed throughout. A callback confirmation and real-time GPS tracking of the unit are typically provided.
Ground Ambulance Assist complements both travel insurance and health insurance products. For travel insurance, it provides a domestic emergency safety net for travellers. For health and corporate HR propositions, it delivers immediate real-world emergency support that significantly increases the proposition's perceived practical value.
Telehealth Assist provides policyholders with 24/7 on-demand access to licensed physicians via video call, voice call, or secure text chat. Customers access the service through the partner's app or a dedicated web portal — connecting with a qualified doctor typically within minutes. No separate app download is required for most integrations.
Where legally permitted in the relevant jurisdiction, consulting physicians can issue digital prescriptions following a completed Telehealth consultation. The prescription is sent securely to the customer's device. Prescription capabilities vary by country due to differing telemedicine regulations — our team can advise on specific market availability.
Yes. Telehealth Assist is designed to be accessible globally — making it an especially valuable add-on for travel insurance and expat health propositions. Customers can access a consultation from any country with internet or mobile connectivity, removing the barrier of language and local healthcare system unfamiliarity.
The Telehealth Assist physician network supports consultations in multiple languages. The available language options depend on the time of consultation and the distribution market. Contact our partnerships team for details on language availability specific to your target customer base and geographic markets.
Yes. Telehealth Assist is available as a white-label service — presented under the partner's brand identity while AGI powers the back-end physician network and platform. This creates a seamless customer experience and strengthens partner brand association with the digital health benefit.
TraceMyBag™ integrates with airline data systems using the booking reference or bag tag number to pull real-time status updates at each stage of the baggage journey — check-in, loading, in-transit, arrival, and carousel. Customers receive automated push notifications at key milestones and can view live status through the partner portal or app.
When TraceMyBag™ detects a discrepancy between the expected and actual bag location, an alert is immediately sent to both the customer and the assistance team. The team begins coordinating with the airline and airport ground handlers on the customer's behalf — filing Property Irregularity Reports (PIRs) and tracking the recovery or compensation process.
Yes. When a bag is delayed beyond a defined threshold (typically 6–12 hours from the scheduled arrival, depending on the policy configuration), the service provides reimbursement for emergency essentials purchased by the traveller — such as toiletries and clothing — up to the covered limit. Receipts must be retained for claim submission.
TraceMyBag™ works across all major commercial airlines and airports through airline data integration. Coverage may vary for smaller regional carriers with limited data-sharing infrastructure. Contact our team for information on specific airline compatibility in your target distribution markets.
Yes — this is the primary intended use case. TraceMyBag™ is designed to be bundled at the point of flight or travel booking alongside Schengen or A2A Travel Insurance. It is an OTA-ready add-on that integrates into checkout flows with minimal friction, and is one of the most visible and customer-appreciated benefits in the AGI catalog.
Visa Refusal Fees Assist reimburses the non-refundable visa application fee paid to the embassy or consulate when a visa application is officially refused. It covers the government visa processing fee — not associated agent fees, courier costs, or other related expenses unless specified in the policy schedule.
The service covers visa application fees for a range of major destination visas including Schengen (EU), United Kingdom, United States, Canada, Australia, and other popular visa-required travel corridors. The specific list of covered visas depends on the distribution arrangement — contact our team for the full schedule applicable to your market.
Yes. Coverage applies regardless of the reason for the visa refusal, as long as the refusal is evidenced by an official letter from the relevant embassy or consulate. This includes refusals due to insufficient ties to home country, documentation concerns, travel history, or any other standard refusal grounds — making it a highly customer-friendly benefit.
The customer submits the official visa refusal letter from the embassy or consulate along with proof of the visa fee paid (bank statement, receipt, or payment confirmation). The claim is assessed against the policy terms and reimbursement is processed directly to the customer. The process is designed to be simple and quick given the customer's situation.
Many first-time or price-sensitive travellers hesitate to apply for Schengen visas due to the risk of losing non-refundable application fees. This add-on directly removes that fear — increasing the number of customers who proceed to book and apply. For OTAs and travel platforms targeting emerging markets, it can meaningfully improve conversion rates at both the visa application and travel booking stages.
Hotel Protect Assist provides comprehensive coverage for hotel stay-related incidents — including overbooking displacement (with alternative accommodation arranged and covered), in-room personal safety incidents, theft or damage to personal property within the hotel room, emergency relocation if the hotel becomes uninhabitable, and hotel billing dispute resolution assistance.
If a hotel denies a confirmed booking due to overbooking, Hotel Protect Assist covers the cost of alternative accommodation of an equivalent or higher standard for the same dates. It also covers reasonable transport costs to the alternative property. The 24/7 assistance team coordinates the relocation directly so the customer does not need to handle it alone.
Yes. Hotel Protect Assist includes cover for theft of personal belongings from a locked hotel room or items secured in the hotel safe. This includes electronics, luggage, clothing, travel documents, and other personal valuables subject to the covered limits. Items left in unsecured or publicly accessible areas may be excluded — please review the policy schedule for full details.
The service is designed primarily for commercial hotels, resorts, and serviced apartments booked through recognised accommodation providers. Coverage for private rentals, homestays, or other non-commercial accommodation types may be limited or excluded depending on the policy configuration. Contact our team for details on accommodation scope in your distribution market.
Hotel Protect Assist is designed for OTA integration at the point of hotel booking checkout — similar to how travel insurance is offered. It can be presented as a one-click add-on, bundled into a premium booking tier, or offered as a post-booking upsell. AGI provides the product structure and partner support; the technical integration is handled through the partner's existing checkout infrastructure.
Contact our partnerships team via the Contact Us page or email. Share your channel type (OTA, bank, corporate HR platform, MFI, etc.), your target market, and the products you are interested in. Our team will propose the right product mix, packaging structure, and commercial terms — and guide you through the partnership onboarding process.
Yes — bundling is actively encouraged and supported. The most effective approach is to combine a core insurance product (Schengen / A2A / Credit Life) with one or more value add-ons (Telehealth, TraceMyBag™, Second Opinion, etc.) to create tiered propositions with different price points and value levels. AGI can help you design the tier architecture for your specific channel.
Yes. Several AGI products and add-ons — including Telehealth Assist and TraceMyBag™ — are available in white-label or co-branded formats. This allows partners to present the benefit under their own brand while AGI operates the back-end service. Branding options are discussed as part of the partnership agreement. Contact our team for specific white-label availability per product.
Yes. AGI's product catalog is designed with bank and card distribution in mind. Schengen travel insurance (both tiers), A2A Travel Insurance, Second Opinion, Telehealth Assist, and TraceMyBag™ are all well-suited to card benefit programmes — both as complimentary card benefits and as purchasable add-ons at the point of card transaction or booking.
Onboarding timelines vary depending on the complexity of the integration, regulatory requirements in the partner's market, and the number of products being launched. A straightforward distribution arrangement can be operational in a matter of weeks. More complex integrations involving API connections and regulatory filings may take longer. Our team works with partners to define a realistic and efficient go-live timeline from day one.
AGI provides 24/7 partner support covering product questions, claims coordination, distribution optimisation, and performance reporting. After launch, we work with partners to review conversion rates, customer feedback, and product performance — recommending adjustments to tiering, pricing, or add-on bundles to continuously improve results.
