Bajaj General travel insurance after departure from India
If you or your loved ones have already left India for the U.S., Canada, UK, or another country and forgot to purchase travel insurance. No worries! Fill this traveler outside India form and we will try and help you in exploring travel medical insurance options to cover you or your loved ones in overseas. If you want to contact our advisors, you reach out to us via email or whatsapp. Alternatively, you can call us at (080)-41101026
Traveler Outside Form
Key features of travel medical insurance for travelers after departure from India
Looking for travel medical insurance for travelers after departure from India. The policy benefits vary from one insurance company to other. Below are the common features travel medical insurance plans provide. You should check the benefits and choose the best coverage which suits your medical insurance requirements.
- Medical Expenses: Look for plan which covers for emergency accident and sickness medical expenses arising due to unforeseen emergency situations in overseas. Also look for plans which cover cashless hospitalization and also cover outpatient medical expenses.
- Emergency Medical Evacuation: Evacuating you to the nearest hospital or back to India for better medical facilities.
- Repatriation of Remains: In case of death of policy holder, the cost involved sending back the body back to India.
- Pre-existing Conditions: Depending on the plan, some of the companies provide pre-existing diseases cover under life threatening.
- No Sub-limits: Look for a comprehensive medical cover plan which covers for your medical and non medical expenses without any limits.
- Baggage Loss or Delay: Reimbursement for expenses due to checked-in baggage is lost or delayed.
- Additional Benefits: Look for plans that provide coverage for passport loss, trip cancellations, missed flight connections, and more.
What you'll need when applying after departure
Approval is never guaranteed once you've already left India, but having the following ready speeds up the review:
- A short note explaining why the policy wasn't purchased before departure
- A declaration of good health as of the date of travel
- Confirmation that no claim has yet been made for this trip
- Passport details, travel dates, and destination country
- Details of any pre-existing conditions, if relevant
Can I buy travel insurance right after booking my trip?
Yes and it's the safest time to buy it. As soon as your travel dates and destination are confirmed, you can purchase your policy while you're still in India, well ahead of departure. This avoids any risk of missing the window and needing to apply for a post-departure exception later.
Is travel insurance mandatory for my destination?
Travel insurance is a strict visa requirement for Schengen countries, and increasingly expected (though not always legally mandatory) for several other popular destinations. Requirements vary by country, so check your specific destination's visa conditions before you travel. Our advisors can confirm what applies to your route when you get in touch.
Which insurers consider post-departure applications?
Policies for travelers already abroad are never automatic, but on a case-by-case basis, insurers including Bajaj General are willing to review applications from travelers who've already left India. Every case is assessed individually by the underwriting team, so submitting your details as early as possible after departure gives you the best chance of a favourable outcome.
How soon after departure should I apply?
The sooner, the better. Applications submitted within the first couple of days of departure generally have a better chance of being considered than those submitted later in the trip. There's no fixed cut-off, but delaying reduces your options.
Already have a policy that's expiring while you're abroad?
If you purchased a policy before leaving India and it's due to expire while you're still travelling, that's a renewal or extension — a different (and usually more straightforward) process than applying fresh from abroad. Apply for your extension 7–14 days before your current policy expires. See the renewal process here.
What won't be covered if my policy is approved after departure?
If a post-departure policy is approved, it typically cannot cover any incident, illness, or loss that occurred before the policy's approval and start date. Coverage begins from issuance, not retroactively from your original departure date — which is exactly why buying before you leave gives you continuous protection from day one.
How late can I buy travel insurance before I leave India?
Travel insurance can typically be purchased right up until your date of departure, including the day you're due to fly - as long as you are still physically in India when the policy is issued. Buying it as soon as you've made your booking, rather than waiting until the last day, gives you the widest choice of plans and avoids the risk of being caught out if you can't complete the purchase in time. If you're already abroad, Indian insurers cannot issue a fresh policy for a trip that has already begun — see the sections above for what you can do in that situation.
Can I buy this insurance for my parents already in the USA?
No, Indian travel insurance has to be purchased before your parents for the USA. You can fill the traveler outside India form for your parents and our insurance advisors will get in touch with you in exploring available travel medical insurance options to cover.
What should I do if I forgot to buy travel insurance before leaving India?
Indian travel medical insurance plans should be purchased before you depart from India. If you forget to buy travel insurance before leaving India, then it becomes difficult to get travel medical insurance from India. Please fill this simple form and our insurance advisors will assist you in getting a suitable travel medical insurance. you reach out to us via email or whatsapp. Alternatively, you can call us at (080)-41101026
Can I buy travel insurance from an Indian insurer if I am already outside India?
As per IRDAI guidelines, you need to buy travel medical insurance from India before your depatrue. Once you depart from India it become to get health insurance from any Indian insurance company. You can reach us via email or via WhatsApp, so that we can try and help you.
Are there any exceptions to this rule?
In exceptional cases, some Indian insurers might consider giving you the policy while you are already abroad. But this is not guaranteed, it all depends on the merits of the application and specfic to the underwriter team of that inurance company.
Customer testimonials
Bajaj General Citation
Mr. Anshul Nijhawan, Head Travel Services at Bajaj General says NRIOL and Bajaj General have been working together for quite sometime now and NRIOL has successfully delivered seamless customer service by making available Bajaj General travel insurance products to its customers online".