Travel Insurance for Pre-Existing Conditions - International Coverage From India
From ₹20/day • Online Policy Issuance • 24/7 Global Assistance • Up to $1M Coverage
Secure Your Trip with Bajaj General – At 0% GST
Why Choose Bajaj General Travel Insurance?
Trusted by 15,500+ Travelers
Bajaj General Travel Insurance for Pre-Existing Conditions – An Overview
Planning an international trip with your family can be exciting, but traveling abroad with pre-existing medical conditions often raises concerns. Bajaj General Travel Insurance plans are designed to address these concerns by offering coverage for life-threatening pre-existing medical conditions, ensuring you stay protected throughout your journey.
With Bajaj General Travel Insurance, you and your family can travel confidently, even if you have pre-existing medical conditions. These plans provide peace of mind by safeguarding you against sudden medical emergencies wherever your travels take you.
How Much Does Bajaj General Travel Insurance Coverage for Pre-Existing Conditions Cost in 2026?
Bajaj General Travel Insurance starts at ₹20 per day, with plan options offering coverage from $15,000 and $25,000. Key benefits include medical expenses, emergency evacuation, baggage protection, and trip cancellation — ideal for travelers seeking either budget or premium international coverage.
*Price shown is for a 30-day trip to Singapore/Asia coverage for an adult aged 35.
compare_arrowsChoosing the Right Bajaj General Pre-Existing Travel Plan
Whether you need basic emergency protection or comprehensive international coverage,there is a plan suited to your health needs and budget.
monetization_onWhat Is the Cheapest Travel Insurance from Bajaj General Travel Asia?
The cheapest travel insurance from Bajaj General Travel Asia is the Companion Asia Flair Plan starting at ₹20/day*
- Medical coverage up to $15,000 for accidents and sickness.
- Emergency medical evacuation: up to $15,000.
- Baggage loss coverage: $200.
starsWhich Is the Best Travel Insurance from Bajaj General Travel Asia?
The Elite Asia Flair is considered the best travel insurance plan from Bajaj General Travel Asia, starting at ₹22/day*
- Medical coverage up to $15,000 for accidents and sickness.
- Emergency medical evacuation: up to $15,000.
- Baggage loss coverage: $200.
What Are Pre-Existing Medical Conditions in Travel Insurance?
A pre-existing medical condition refers to any illness, injury, or health condition that existed before purchasing a travel insurance policy. Common examples include diabetes, high blood pressure, heart disease, asthma, or thyroid disorders. Most travel insurance policies do not cover routine treatment for these conditions while traveling abroad. However, Bajaj General travel insurance may provide limited protection if the condition suddenly becomes life-threatening and requires emergency medical care during your trip.
Quick Reference: Pre-Existing Disease Travel Insurance — What to Expect
verifiedWhat Is Covered
-
Emergency Hospitalisation
For sudden, life-threatening situations only -
Medical Evacuation
Up to $1 Million to a safe medical facility -
Emergency Treatment Abroad
Until the patient is medically stabilised -
24/7 Global Medical Assistance
Helpline support throughout your trip
cancelWhat Is NOT Covered
-
Routine Medications
Regular prescriptions for managing existing conditions -
Scheduled Doctor Visits
Check-ups and non-emergency consultations -
Pre-Planned Treatments
Elective surgeries or therapies planned before travel -
Condition Flare-Ups (Non-Critical)
Only life-threatening, sudden complications qualify
Key point: Coverage under Bajaj General's travel insurance for existing medical conditions applies only to sudden, life-threatening complications that arise unexpectedly during your trip abroad. Day-to-day management of a pre-existing disease is your personal responsibility while travelling.
Emergency Medical Coverage Abroad - Coverage Limits Explained
Bajaj General's international travel insurance plans provide emergency coverage for life-threatening complications arising from pre-existing conditions. The exact limit depends on the plan you choose, but here is how the coverage works in practice:
| Coverage Type | Travel Companion | Travel Prime | Travel Elite |
|---|---|---|---|
| Emergency Medical Coverage (overall) | Up to $50,000 | Up to $250,000 | Up to $500,000 |
| Pre-Existing Condition Emergency Limit | Up to $2,500 | Up to $3,000 | Up to $3,000 |
| Emergency Evacuation & Repatriation | $50,000 | $250,000 | $500,000 |
| Hospitalisation Cover | ✔ | ✔ | ✔ |
| Cashless Hospital Network | Partial | Full | Full |
| Best Suited For | Budget travellers & short trips | Frequent travellers | Senior citizens & long trips |
Coverage limits apply specifically to emergency care arising from pre-existing conditions. Routine or ongoing treatment related to an existing illness is excluded. Please refer to the wordings (PDF) for complete terms and conditions.
Who Should Buy Travel Insurance with Pre-Existing Condition Coverage?
Travelers who have stable chronic health conditions should consider purchasing travel insurance that includes emergency coverage for pre-existing conditions. This is especially useful for senior citizens, long-duration travelers, and individuals visiting countries with high healthcare costs such as the United States, Canada, or European nations. Having coverage ensures financial protection against unexpected medical emergencies that may arise during international trips.
What is a "Life-Threatening Emergency"?
A life-threatening emergency refers to a medical condition experienced by the Insured Person which is potentially fatal and, if left untreated, could result in death.
Bajaj General will cover treatment costs for such emergency measures until the Insured Person becomes medically stable or acute pain is relieved. Any further medical expenses to improve, maintain a stable state, or prevent future pain must be borne by the Insured Person. Coverage is subject to the terms and conditions of the policy document.
Example: If you’re hospitalized abroad for a sudden heart attack, Bajaj General Travel Insurance will cover emergency treatment and stabilization costs. Once your condition is under control and no longer critical, further treatment (like long-term medications) is not covered. The insurance company relies on the attending doctor’s report to determine whether the situation was truly life-threatening, and liability is settled according to the policy terms.International Travel Insurance with Medical Conditions, Real-World Examples
Understanding how Bajaj General's pre-existing disease travel insurance works is easier with concrete examples. Here is how coverage applies under two popular plans:
person Example 1 - Travel Elite Plan (Age 60)
A 60-year-old traveller with a known heart condition purchases the Travel Elite Plan. While visiting the United States, he experiences a cardiac emergency. Bajaj General covers the emergency hospitalisation and stabilisation costs up to $3,000 for the pre-existing condition, within the plan's overall medical cover of $500,000. Once his condition is stabilised, further ongoing treatment costs are the patient's responsibility.
person Example 2 - Travel Companion Plan (Age 45)
A 45-year-old traveller with controlled diabetes purchases the Travel Companion Plan for a 15-day trip to Europe. She develops a sudden, severe complication that requires emergency admission. The policy covers emergency treatment up to $2,500 for the pre-existing condition, within the plan's overall medical cover of $50,000 making it a practical option for budget-conscious travellers on shorter trips.
Benefits of Bajaj General Travel Insurance for Pre-Existing Conditions
| Benefit | Travel Companion | Travel Prime | Travel Elite |
|---|---|---|---|
| Emergency Medical Coverage | Up to $50,000 | Up to $250,000 | Up to $500,000 |
| Pre-Existing Condition Emergency Coverage | Up to $2,500 | Up to $3,000 | Up to $3,000 |
| Emergency Evacuation & Repatriation | $50,000 | $250,000 | $500,000 |
| Hospitalization Coverage | ✔ | ✔ | ✔ |
| Worldwide Cashless Network | Partial | Full | Full |
| Ideal For | Budget Travelers | Frequent Travelers | Seniors & Long Trips |
Note: Coverage limits and benefits vary by plan and destination. Please check the policy document for detailed terms and conditions.
Secure Your Travels with Trusted Coverage
-
shopping_cartHow to Buy the Plan?
Buy Travel Insurance online using a UPI, credit/debit card, NEFT, RTGS or cheque.
Know more » -
assessmentTraveler outside India
Travelers already outside India without insurance? We can try to get special approval to buy Bajaj General travel insurance online.
Know more » -
assignment_turned_inHow to Make a Claim?
For Claim or reimbursement, Contact Bajaj General via toll-free helpline.
Know more » -
descriptionBajaj General Travel Brochure
Download Bajaj General Travel Insurance brochure online!
Know more » -
autorenewBajaj General Policy Renewal
Renew your Bajaj General travel insurance policy online anytime before expiry.
Know more »
Why Buy from NRIOL?
-
verifiedTrusted Bajaj General Plans
Access Bajaj General international travel insurance policies, trusted by thousands of Indian travelers worldwide.
-
attach_moneyAffordable Premiums
Transparent pricing for Bajaj General overseas travel insurance, with no hidden costs.
-
school20+ Years of Expertise
Expert guidance for Indian travelers planning international trips with reliable coverage.
-
editEasy Policy Management
Modify travel dates, personal details, or coverage options online with Bajaj General travel insurance.
-
updateFlexible Extensions
Extend or renew your Bajaj General international travel insurance if your trip gets delayed.
-
support_agent24/7 Claims Support
Get fast claims assistance and emergency support anywhere during your overseas journey with Bajaj General travel insurance.
Bajaj General Travel Insurance Renewal & Extension Online
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.
Here are the simple steps to renew travel insurance online.
- Click the url extend or renew Bajaj General travel insurance online.
- Fill the renewal form with correct information and click on submit.
- Once you submit the form successfully, our insurance advisors will receive the filled renewal form online.
- Your filled form will be then sent for approval to the head office.
- Renewal request approved / rejected in the head office in couple of hours (maximum 1 working day).
- If your policy renewal request is approved, then we will send you a new link where you can pay the premium for the policy renewal.
- Once payment is success you will get your renewed policy.
- In case if your renewal request is rejected due to some reasons, our insurance advisors will get in touch with you to suggest you alternative insurance (if any).
Travel Destinations
Discover Popular Travel Destinations with Bajaj General Travel Insurance
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".
Frequently Asked Questions - Bajaj General Travel Insurance for Pre-Existing Conditions
Yes, but with an important limitation. Bajaj General overseas travel insurance provides emergency-only coverage for pre-existing medical conditions - specifically for situations that are sudden, unexpected, and life-threatening. Routine treatment, regular medications, or scheduled consultations for an existing illness are not covered.The benefit applies only when the condition deteriorates critically during your trip abroad.
The pre-existing condition emergency limit depends on the plan selected. The Travel Companion Plan covers up to $2,500, while the Travel Prime and Travel Elite plans cover up to $3,000 per policy term. These limits apply specifically to pre-existing condition emergencies, separate from the plan's overall medical coverage limit.
Yes. Bajaj General travel insurance plans accept travellers from 3 months to 99 years of age. Senior citizens with pre-existing conditions such as diabetes, hypertension,or heart disease can purchase a plan without a mandatory medical test. Coverage for the pre-existing condition applies only if it results in a sudden, life-threatening emergency during the trip.
No. Routine care - including regular doctor visits, maintenance medications, and non-emergency consultations for a known chronic disease is excluded under all Bajaj General international travel insurance plans. The policy is designed to protect you against unexpected, acute medical emergencies, not planned or ongoing medical management.
The Travel Companion, Travel Prime, and Travel Elite plans all include emergency coverage for life-threatening complications arising from pre-existing conditions. For Asia-region travel, the Companion Asia and Elite Asia plans (both Flair and Supreme variants) also include this benefit. Use the quote tool above to compare plans and find the most suitable option for your destination and age group.
No medical test or health report is required to purchase Bajaj General's pre-existing disease travel insurance. You can buy the policy entirely online, receive the certificate instantly by email, and travel with confidence knowing emergency coverage is in place all without any paperwork or health screening.
Overseas Medical Insurance for Indians Travelling with Pre-Existing Conditions
India's domestic health insurance policies whether private or governmet provide little to no coverage once you cross the border. As a result, overseas medical insurance is essential for any Indian traveller, particularly those managing a known health condition.
Bajaj General overseas travel insurance bridges this gap. It is designed specifically for Indian passport holders travelling internationally, covering emergency medical situations that your domestic policy would not address. For travellers with pre-existing conditions such as controlled diabetes, hypertension, asthma, or thyroid disorders having this coverage ensures that a sudden, critical complication abroad does not result in an unmanageable financial burden.
Why Indian Travellers with Pre-Existing Conditions Need Overseas Travel Insurance
- Healthcare abroad is expensive. A single hospitalisation in countries like the United States, Canada, or the United Kingdom can cost tens of thousands of dollars far beyond what most travellers can cover out of pocket.
- Your Indian health insurance does not apply overseas. Most domestic plans explicitly exclude international medical expenses, leaving you unprotected the moment you board an international flight.
- Schengen and many other countries require proof of insurance. If you are travelling to Europe on a Schengen visa, a valid international travel insurance certificate is mandatory regardless of whether you have a pre-existing condition or not.
- Medical emergencies are unpredictable. Even a well-controlled chronic condition can deteriorate suddenly under the stress of long flights, climate changes, or physical exertion during travel. Having emergency coverage provides a critical safety net.