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Bajaj General Travel Prime Insurance| Traveler Type / Scenario | Recommended Plan(s) | Why / Tradeoffs |
|---|---|---|
| Young, healthy, short trip (6–30 days) | $50,000 / $200,000 | Lower premium; adequate cover for most medical emergencies on short stays. Tradeoff: lower overall sum-insured and smaller baggage/evacuation limits. |
| Frequent traveller or long trip | $500,000 / $750,000 | Higher sum-insured and additional benefits (multi-trip options available). Tradeoff: higher premium but better financial protection and fewer claim hassles abroad. |
| Senior travellers (61–70) | $50,000 / $200,000 / $500,000 / $750,000 / $1000,000 | Plans tailored for older travellers with age-appropriate benefits and sub-limit rules. Tradeoff: premiums rise with age and some pre-existing conditions may need special handling. |
| Over 70 years | $50,000 | Designed for highest-risk band; offers structured coverage and benefits for seniors. Tradeoff: highest premiums and stricter terms for pre-existing conditions. |
Bajaj General Travel Prime Insurance from NRIOL is designed for frequent travelers, families, business visitors, and students going abroad. It offers a wide range of sum insured options to provide financial security during overseas trips. With higher coverage levels, it is one of the most comprehensive travel insurance plans offered by Bajaj General.
The Travel Prime plan is flexible — you can select the right level of coverage depending on your travel destination, trip duration, and age group. It includes benefits such as emergency medical expenses, hospitalization, evacuation and repatriation, baggage loss, trip delays, and more.
Bajaj General Travel Prime Insurance starts at ₹24 per day, with plan options offering coverage from $50,000 up to $1,000,000. It is specially designed for frequent and long-term international travelers, covering medical emergencies, trip interruption, baggage loss, and cashless hospitalization — making it ideal for business travelers, students, and family trips.
*Price shown is for a 180-day trip to Europe, Asia, and beyond coverage for an adult aged 35.
The below table provides details of the sum insured available for different age groups, along with the benefits for each plan type.
| Coverage | Silver $50,000 |
Gold $200,000 |
Platinum $500,000 |
Super Platinum $750,000 |
Maximum $1000,000 |
|---|---|---|---|---|---|
| Accident and Sickness Medical Expenses Reimbursement Deductible:$100 |
$50,000 | $200,000 | $500,000 | $750,000 | $1000,000 |
| Accidental Death and Dismemberment (Common Carrier)help | $2,500 | $5,000 | $5,000 | $5,000 | $5,000 |
| Emergency Sickness Dental Expense Deductible:$100 |
$500 | $500 | $500 | $500 | $500 |
| Medical Evacuation | Covered under Accident & Sickness Expenses | Covered under Accident & Sickness Expenses | Covered under Accident & Sickness Expenses | Covered under Accident & Sickness Expenses | Covered under Accident & Sickness Expenses |
| Repatriation of Remains | $5,000 | $5,000 | $5,000 | $6,000 | $6,500 |
| Baggage Delay Deductible: After first 12 hrs |
$100 | $100 | $100 | $100 | $100 |
| Checked Baggage Losshelp** | $500 | $1,000 | $1,000 | $1,000 | $1,000 |
| Loss of Passport Deductible: $25 |
$250 | $250 | $250 | $300 | $300 |
| Personal Liability Deductible: $100 |
$100,000 | $200,000 | $200,000 | $250,000 | $250,000 |
| Hijack | $50 per day to max $300 | $60 per day to max $360 | $60 per day to max $360 | $60 per day to max $360 | $60 per day to max $360 |
| Trip Delay Deductible: After 12 hours |
$25 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 |
| Emergency Cash Advance*** | $500 | $1,000 | $1,000 | $1,500 | $1,500 |
| Personal Accident* | $15,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| Hospitalization Daily Allowance help | $20 per day to max $100 | $25 per day to max $125 | $20 per day to max $150 | $25 per day to max $125 | $25 per day to max $125 |
| Home Burglary Insurance | Rs.100,000 | Rs.200,000 | Rs.300,000 | Rs.300,000 | Rs.300,000 |
| Trip Cancellation | $500 | $1,000 | $1,000 | $1,000 | $1,000 |
| Trip Curtailment | $200 | $300 | $500 | $500 | $500 |
| Missed Connection/Missed Departure Deductible:12 hours |
$100 | $100 | $100 | $100 | $100 |
| Bounced Hotel /Airline booking | $500 | $500 | $500 | $500 | $500 |
| Difference in Airfare due to delayed or early return | $500 | $500 | $500 | $500 | $500 |
| Personal Accident Cover in India | ₹50,000 | ₹50,000 | ₹50,000 | ₹50,000 | ₹50,000 |
*Only 50% of the sum assured in respect of the death of the insured person below age of 18 years.
**Per baggage maximum 50% and per item in the baggage restricted to 10%.
***Cash Advance Would include delivery charges
| Coverage | Prime Age Silver $50,000 |
Prime Age Gold $200,000 |
Prime Age Platinum $500,000 |
Prime Age Super Platinum $750,000 |
Prime Age Maximum $1000,000 |
|---|---|---|---|---|---|
| Accident and Sickness Medical Expenses Reimbursement Deductible: $100 |
$50,000 | $200,000 | $500,000 | $750,000 | $1000,000 |
| Accidental Death and Dismemberment (Common Carrier)help | $2,500 | $5,000 | $5,000 | $5,000 | $5,000 |
| Emergency Sickness Dental Expense Deductible: $100 |
$500 | $500 | $500 | $500 | $500 |
| Medical Evacuation | Covered under Accident & Sickness Expenses | Covered under Accident & Sickness Expenses | Covered under Accident & Sickness Expenses | Covered under Accident & Sickness Expenses | Covered under Accident & Sickness Expenses |
| Repatriation of Remains | $5,000 | $5,000 | $5,000 | $5,500 | $6,000 |
| Baggage Delay Deductible: After first 12 hrs |
$100 | $100 | $100 | $100 | $100 |
| Checked Baggage Losshelp** | $500 | $1,000 | $1,000 | $1,000 | $1,000 |
| Loss of Passport Deductible: $25 |
$250 | $250 | $250 | $300 | $300 |
| Personal Liability Deductible: $100 |
$100,000 | $200,000 | $200,000 | $250,000 | $250,000 |
| Hijack | $50 per day to max $300 | $60 per day to max $360 | $60 per day to max $360 | $60 per day to max $360 | $60 per day to max $360 |
| Emergency Cash Advance*** | $500 | $1,000 | $1,000 | $1,000 | $1,000 |
| Trip Delay | $20 per 12 hrs to max $120 | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 |
| Personal Accident* | $15,000 | $25,000 | $25,000 | $25,000 | $25,000 |
| Hospitalization Daily Allowance help | $25 per day to max $100 | $25 per day to max $125 | $25 per day to max $250 | $25 per day to max $250 | $25 per day to max $250 |
| Home Burglary Insurance | Rs.100,000 | Rs.200,000 | Rs.300,000 | Rs.300,000 | Rs.300,000 |
| Trip Cancellation | $500 | $1,000 | $1,000 | $1,000 | $1,000 |
| Trip Curtailment | $200 | $300 | $500 | $500 | $500 |
| Missed Connection/Missed Departure Deductible: 12 hrs |
$100 | $100 | $100 | $100 | $100 |
*Only 50% of the sum assured in respect of the death of the insured person below age of 18 years.
**Per baggage maximum 50% and per item in the baggage restricted to 10%.
***Cash Advance Would include delivery charges
| Coverage | Prime Super Age - $50,000 |
|---|---|
| Medical Expenses and Evacuation Deductible: $100 |
$50,000 |
| Personal Accident* | $10,000 |
| Emergency Sickness Dental Expense Deductible: $100 |
$500 |
| Medical Evacuation | Covered under Accident & Sickness Expenses |
| Repatriation of Remains | $5,000 |
| Baggage Delay Deductible: After first 12 hrs |
$100 |
| Checked Baggage Losshelp** | $500 |
| Loss of Passport Deductible: $25 |
$250 |
| Personal Liability Deductible: $100 |
$100,000 |
| Hijack | $50 per day to max $300 |
| Emergency Cash Advance*** | $500 |
| Trip Delay | $20 per 12 hrs to max $120 |
| Golfer's Hole in Onehelp | $250 |
| Trip Cancellation | $500 |
| Trip Curtailment | $200 |
| Hospitalization Daily Allowance help | $25 Per day to Max 100 |
| Special Conditions for medical expenses | |
| Accident Death & Disability | $1,500 |
| Home Burglary Insurance | $10,000 |
*Only 50% of the sum assured in respect of the death of the insured person below age of 18 years.
**Per baggage maximum 50% and per item in the baggage restricted to 10%.
***Cash Advance Would include delivery charges.
| Medical Sublimit under Medical expenses for age 71-99 years who have purchased TRAVEL PRIME PLAN | |
|---|---|
| Medical Sublimit under Medical expenses | Prime Super Age $50,000 |
| Hospital Room, Board and Hospital miscellaneous | $1,200 per day |
| Intensive Care Unit | $2,000 per day |
| Surgical Treatment | $8,000 per day |
| Anesthetist Services | 25% of Surgeons Charges |
| Physician's Visit | $50 per day |
| Diagnostic and Pre-Admission Testing | $400 |
| Ambulance Services | $300 |
The cheapest travel insurance from Bajaj General Travel Prime is the Silver Plan starting at ₹24/day*
The Gold Plan is considered the best travel insurance plan from Bajaj General Travel Prime, starting at ₹35/day*
Travelers who have travelled from India to foreign countries with a valid travel insurance policy from Bajaj General and who are extending their stay in overseas have to renew / extend their insurance to enjoy continuous worry free insurance cover. The reason for extended stay in overseas might be different from one traveler to the other.
Select the right plan for your trip and traveler profile.
Who it’s for:
Youngstars, short trips
Who it’s for:
Families / Vacationers
Who it’s for: USA/Canada, long trips
Who it’s for:
Frequent flyers, long stays
Who it’s for:
Seniors (61–70 & 70+ years)
| Traveler Profile | Recommended Plan | Why This Plan Works |
|---|---|---|
| Student or young traveler on short trip (6–15 days) | $50,000 | Budget-friendly with essential medical coverage and baggage benefits. |
| Family vacation to Europe / Asia (up to 30 days) | $200,000 | Balanced coverage with trip delay, baggage loss, and medical emergencies. |
| Traveling to USA/Canada or longer trips (30–90 days) | $500,000 | Higher medical coverage limits – crucial for expensive destinations. |
| Long-term overseas assignments, multiple countries | $750,000 | Maximum coverage with fewer restrictions. |
| Senior travelers (61–70 years) | $50,000 / $200,000 / $500,000 / $750,000 / $1000,000 | Tailored premiums and age-appropriate coverage benefits. |
| Travelers above 70 years | $50,000 | Designed with higher-risk travelers in mind, includes age-specific coverage. |
A specially customized travel plan for individual travelers going abroad.
Travel Prime is a specially customized travel plan that caters to the needs of an individual traveling abroad. The plan covers all medical eventualities, including hospitalization and other incidental expenses at a fraction of the cost that would be otherwise needed.
Indian tourists who have already left India need to get special approval from the Insurance company to buy Indian travel insurance after they have left India. Please send us an email and complete the traveler outside India form and we will try to get the required approval for you.
Given the very high cost of healthcare in most parts of the globe, it is risky to travel overseas without Bajaj General Individual Travel Prime Plan insurance. Indian tourists can buy the best Indian travel insurance for their needs to get coverage as early as the following day.
Indian citizens going overseas who have a valid Indian passport. Overseas citizens residing in India and traveling abroad for a maximum period of 90 days.
Entry age for Travel Prime Individual is 6 months to 60 years.
The policy period is 180 days and can be extended further up to 180 days.
You can renew the Bajaj General policy online. Fill the relevant details of the current existing policy and claims information (if any) and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). If approved, the policy holder will be sent a buy URL where they can pay online and renew the policy.
No pre-policy medical health check-up is required.
The company agrees, subject always to terms, conditions, exclusions, and limitations, to indemnify the insured in excess of the deductible and subject always to the sum assured against such loss which is incurred within the policy period.
This plan is specially designed for senior citizens aged between 61 to 70 years.
Entry age for Travel Prime Age is 61 years – 70 years.
This plan is specially designed for senior citizens aged between 71 to 90+ years.
Entry age for proposer is 71 years – 90+ years.
Bajaj General provides 24x7 worldwide assistance to help you with medical emergencies, claims, and travel support while you are abroad.
Claims Department
Bajaj General General Insurance Co. Ltd.
G-21 & 22, Ackruti Trade Centre, MIDC Road,
Andheri (E), Mumbai – 400093
Bajaj General Assistance
7th Floor, Tower B, Peninsula Business Park,
Lower Parel, Mumbai – 400013
Bajaj General Travel Prime Insurance offers strong protection for international travelers. However, like all insurance plans, it has certain exclusions where claims will not be payable. These usually include pre-existing medical conditions, high-risk activities, or situations outside the scope of coverage. Below are the key exclusions. Please refer to the official policy document for complete details.
With more Indians traveling abroad due to affordable flights and packages, the need for overseas travel insurance has never been greater.
info Travelers visiting foreign countries can buy Bajaj General visitor medical insurance to manage expensive healthcare overseas. Emergencies can happen anytime, and insurance helps cover those unexpected medical costs.
Access Bajaj General international travel insurance policies, trusted by thousands of Indian travelers worldwide.
Transparent pricing for Bajaj General overseas travel insurance, with no hidden costs.
Expert guidance for Indian travelers planning international trips with reliable coverage.
Modify travel dates, personal details, or coverage options online with Bajaj General travel insurance.
Extend or renew your Bajaj General international travel insurance if your trip gets delayed.
Get fast claims assistance and emergency support anywhere during your overseas journey with Bajaj General travel insurance.
You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Travelers already outside India without insurance? We can try to get special approval to buy Bajaj General travel insurance online.
Get all the answers to the most frequently asked questions (FAQs) regarding Bajaj overseas travel insurance.
In case of Claim or reimbursement of treatment expenses, notify Bajaj General travel health insurance.
Download Bajaj General travel insurance soft copy for overseas travel!
Insurance customers can renew their existing policy online before the exipry date at any time.
Comprehensive coverage for travelers up to 99 years.
Up to 99 years of age.
Outpatient expenses reimbursed after deductible.
Up to $1,000,000 for ≤70 years; $50,000 for 71–99 years.
For stays over 24 hours after deductible.
Designed for travelers up to 60 years of age.
Schengen-approved for travelers up to 99 years.
Covers trip cancellation, delay, curtailment, and missed connections.
Covers baggage loss, baggage delay, and loss of passport.
Covers home burglary and bounced hotel bookings.
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".