Bajaj General Overseas Travel Insurance 2026 - Unique Benefits, Baggage Protection & Low Premiums
India is now one of the world's fastest-growing outbound travel markets, with over 27 million Indians travelling internationally every year. As more families, students, and business travellers head abroad, the importance of reliable overseas travel insurance has never been greater. Bajaj General Overseas Travel Insurance formerly Bajaj Allianz protects your health and your trip from the moment you leave India to the moment you return.
Plans start at just ₹20/day* with 0% GST, covering medical emergencies, loss of passport, baggage delay, trip cancellation, and even burglary of your home in India while you are away - a unique benefit not offered by most competitors.
Secure Your Trip with Bajaj General – At 0% GST
Why Choose Bajaj General Travel Insurance?
Trusted by 15,500+ Travelers
Bajaj General Overseas Travel Medical Insurance
With affordable international airfares and budget travel packages, more Indians are exploring global destinations. According to Tourism Australia, Indian travelers are expected to rise from 15 million to 50 million by 2020. As global travel grows, so does the awareness of the importance of Overseas Travel Insurance.
Bajaj General Overseas Travel Insurance safeguards your health and belongings when traveling abroad. It offers coverage for medical emergencies, loss of passport, baggage loss, and even burglary protection for your home in India while you’re away.
Health & Emergency Cover
Covers hospitalization and medical bills in any country.
Baggage & Passport Loss
Compensation for misplaced baggage or lost passport.
Home Protection
Covers burglary of your house in India while abroad.
The plan is available for travel across USA, UK, Canada, Europe, Australia, and Asia (including Singapore, Hong Kong, and Thailand). It also meets the Schengen Visa insurance requirements.
How Much Does Bajaj General Travel Insurance Cost in 2026?
Bajaj General Travel Insurance starts at ₹20 per day, with plan options offering coverage from $15,000 and $25,000. It is specially is designed for individuals traveling to Asian nations, excluding Japan.
*Price shown is for a 30-day trip to Singapore/Asia coverage for an adult aged 35.
Cheapest & Best Travel Insurance for Asia Trip - Bajaj General 2026
Whether you're planning a short holiday or a long business trip, Bajaj General offers the best travel insurance for Asia trip from India. All Asia travel insurance India plans cover popular destinations including Singapore, Thailand, Malaysia, Bali, Vietnam, Sri Lanka, Dubai and UAE - making it the go-to travel insurance for Singapore trip and beyond.
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 the Unique Benefits Offered by Bajaj General Insurance for Travel Policies?
Bajaj General travel insurance goes beyond standard medical cover. Here are the standout benefits that make it one of the most comprehensive travel policies available to Indian travellers:
| Unique Benefit | What It Covers | Available In |
|---|---|---|
| 🏠 Home Burglary Cover | Covers theft or burglary of your home in India while you travel abroad (up to ₹3,00,000) | Travel Ace, Travel Elite Platinum |
| ✈️ Trip Delay Delight | Cash compensation for every 12-hour delay - no receipts needed for small amounts | Travel Ace |
| 🎓 Child Education Benefit | Supports your children's education expenses if you are hospitalised abroad for extended periods | Travel Ace |
| ⛳ Golfer's Hole-in-One | Reimburses your celebration expenses if you score a hole-in-one on a USGA-recognised course abroad | Travel Elite Platinum |
| 🆘 Hijack Distress Allowance | Daily cash compensation if your flight is hijacked | Travel Elite, Travel Prime |
| 💵 Emergency Cash Advance | Up to $1,000 emergency cash if your wallet or cards are stolen abroad | Travel Ace Platinum, Travel Elite, Travel Prime |
| 🏥 Compassionate Visit | Economy-class airfare for a family member to fly to you if you are hospitalised abroad | Travel Ace |
Bajaj General Travel Insurance Plans for Every Type of Traveller
Plan Options and Coverage Limits:- Travel Ace: Up to $50,000, $200,000 & $500,000
- Travel Ace - choose your own plan
- Travel Prime: Up to $50,000, $200,000, $500,000, $750,000 & $1,000,000
- Travel Elite: Up to $50,000, $200,000 & $500,000
- Travel Companion: Up to $50,000, $200,000 & $500,000
- Senior Citizen Plans: Up to $50,000
- Multi Trip Plans: $250,000 & $500,000
- Asia Travel Plans: Coverage for short trips (1–30 days) within Asia (excluding Japan)
- Schengen Travel Plans: Meet mandatory EUR 30,000 / 50,000 visa coverage requirement
- Travel Assist: Up to $50,000, $200,000 & $500,000
Bajaj General Travel Insurance India — International Plans & Benefits
Bajaj General International Travel Insurance from NRIOL offers a variety of plans to meet the needs of travelers of all ages. Customers can choose the right level of coverage depending on travel duration, age, and destination.
The below table provides details of the sum insured available for different age groups, along with the benefits for each plan type.
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Benefits Travel Ace Sum Insured $50,000 / $200,000 / $500,000 (depending on age) Cashless Settlement Worldwide, inpatient hospitalization (24+ hrs after deductible) Emergency Dental Expenses $500 (Deductible: $50) Pre-existing Conditions Covered only in life-threatening situations (Platinum Plan only, up to $5,000) Refund on Early Return Premium refunded (subject to terms & conditions) -
Benefits Travel Prime Sum Insured $50,000 / $200,000 / $500,000 / $750,000 / $1,000,000 (depending on age) Cashless Settlement Worldwide, inpatient hospitalization (24+ hrs after deductible) Emergency Dental Expenses $500 Pre-existing Conditions Covered only in life-threatening situations (up to $3,000) Refund on Early Return Premium refunded (subject to terms & conditions) -
Benefits Travel Elite Sum Insured $50,000 / $200,000 / $500,000 (depending on age) Cashless Settlement Worldwide, inpatient hospitalization (24+ hrs after deductible) Emergency Dental Expenses $500 (Deductible: $50) Pre-existing Conditions Covered only in life-threatening situations (up to $3,000) Refund on Early Return Premium refunded (subject to terms & conditions) -
Benefits Travel Companion Sum Insured $50,000 / $200,000 / $500,000 (depending on age) Cashless Settlement Worldwide, inpatient hospitalization (24+ hrs after deductible) Emergency Dental Expenses $500 (Deductible: $50) Pre-existing Conditions Covered only in life-threatening situations (up to $3,000) Refund on Early Return Not available -
Benefits Travel Assist Sum Insured $50,000 / $200,000 / $500,000 (depending on age) Cashless Settlement Worldwide, inpatient hospitalization (24+ hrs after deductible) Emergency Dental Expenses $500 (Deductible: $100) Pre-existing Conditions Covered only in life-threatening situations (up to $1,000) Refund on Early Return Premium refunded (subject to terms & conditions) -
Coverages in USD Companion Asia Flair Companion Asia Supreme Elite Asia Flair Elite Asia Supreme Prime Asia Flair Prime Asia Supreme Medical Expenses, Evacuation $15,000
Deductible: $50$25,000
Deductible: $50$15,000
Deductible: $50$25,000
Deductible: $50$15,000
Deductible: $100$25,000
Deductible: $100Repatriation Included under medical expenses Included under medical expenses $5,000 Emergency Dental Treatment $500
Deductible: $50$500
Deductible: $50$500
Deductible: $50$500
Deductible: $50$500
Deductible: $100$500
Deductible: $100AD & D Common Carrier NA $2,500 $2,500 $2,500 $2,500 Personal Accident* $7,500 $7,500 $7,500 $7,500 $7,500 $7,500 Loss of Checked Baggage** $200 $200 $200 $200 $200 $200 Delay of Baggage $100
Deductible: 12 hrs$100
Deductible: 12 hrs$100
Deductible: 12 hrs$100
Deductible: 12 hrs$100
Deductible: 12 hrs$100
Deductible: 12 hrsTrip Delay NA $20 per 12 hrs to max $120 $30 per 12 hrs to max $180
Deductible: 12 hrs$20 per 12 hrs to max $120
Deductible: 12 hrs$30 per 12 hrs to max $180
Deductible: 12 hrsLoss of Passport $100
Deductible: $15$100
Deductible: $15$100
Deductible: $25$100
Deductible: $25$100
Deductible: $15$100
Deductible: $15Personal Liability $10,000
Deductible: $100$10,000
Deductible: $100$10,000
Deductible: $100$10,000
Deductible: $100$10,000
Deductible: $100$10,000
Deductible: $100Hijack $20/day up to $200 $20/day up to $200 $50/day up to $300 $60/day up to $360 $50/day up to $300 $60/day up to $360 Emergency Cash Advance*** NA $500 $500 $500 $500 *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.
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Note:
Coverage Senior Citizen Plan Prime Super Age Travel Ace Super Age Medical Expenses $50,000 (Deductible: $100) $50,000 (Deductible: $100) $50,000 (Deductible: $100) Any One Illness $8,500 (71–75), $7,500 (76–80), $5,000 (81–85) Details provided below Included in Medical Expenses Any One Accident $20,000 (71–85) Details provided below $50,000 Medical Evacuation Included Included Up to $50,000 Medical Repatriation Included $5,000 Up to $50,000 Personal Accident $10,000 $10,000 Up to $10,000 Home Burglary Insurance Nil – Included (INR, with Fire & Perils cover) Loss of Checked-In Baggage $500 (Nil) $500 Up to $500 Delay of Checked-In Baggage $100 (After 12 hrs) $100 (After 12 hrs) Abroad: $200, India: ₹2,000 (After 8 hrs) Loss of Passport $250 (Deductible: $25) $250 (Deductible: $25) Up to $250 Daily Hospitalisation Allowance $25/day, Max $100 (Nil) $25/day, Max $100 $50/day, Max 7 days Emergency Dental Treatment – $500 (Included in Medical, Deductible: $100) Up to $500 (Deductible: $25) AD&D – Common Carrier $1,500 (Nil) $1,500 Up to $2,000 Trip Cancellation $500 (Nil) $500 Up to $1,000 Trip Delay $20 per 12 hrs, Max $120 (12 hrs) $20 per 12 hrs, Max $120 (12 hrs) Up to $80 (After 6 hrs) Trip Curtailment / Interruption $200 $200 Up to $500 Missed Connection – – Up to $300 Personal Liability $100,000 (Deductible: $100) $100,000 (Deductible: $100) Up to $100,000 Hijack Daily Allowance $50/day, Max $300 (Nil) $50/day, Max $300 Up to $3,000 Emergency Cash Assistance $500 $500 Up to $1,000 Golfer Hole-in-One $250 (Nil) $250 $250 Personal Accident Cover in India – – ₹1,00,000 Bounced Hotel – – Up to $500 - Indian Senior Citizens can buy the Bajaj General seniors travel medical insurance up to Max 180 days. The Bajaj Senior Citizen travel medical insurance is not renewable
- Bajaj General Senior Citizen health insurance for Indians will be issued in one business day
What Factors Affect the Cost of Bajaj General Travel Insurance?
When determining the premium you’d pay for a Bajaj General overseas travel insurance policy, several critical variables come into play:
- As with most insurance products, older travelers typically face higher premiums.
- This is because the risk of medical issues increases with age.
- Regions with higher medical costs (e.g., USA, Western Europe) lead to higher insurance costs than destinations in Asia or other low-cost countries.
- The longer the period you need coverage (i.e., more days abroad), the higher your premium will be.
- If you have known medical conditions, risk loading or exclusions may apply, which can raise the cost.
- Having a higher deductible can reduce the premium.
- Ceilings or limits on particular services (e.g., hospitalization per day) can also influence pricing.
- Features like trip cancellation, baggage loss, personal liability, emergency evacuation, or dental cover increase the premium depending on how comprehensively you include them.
- Purchasing the policy well in advance allows you ample time to review the product benefits and select a plan that best suits your requirements and budget.
- Opting for higher medical coverage and benefits (e.g., USD 500,000 vs USD 100,000) directly increases the overall premium cost.
- If you travel frequently, the annual multi-trip option may cost more overall but offer better per-trip value compared to buying separate single-trip policies each time.
- Bajaj General offers annual multi-trip policies, which many frequent travelers find more economical.
- For senior travelers or higher-risk individuals, plans that impose sub-limits (caps on certain benefit categories) are cheaper.
- Plans without sub-limits offer more flexible coverage but at a higher cost, especially important when facing high medical bills in countries like the U.S.
Bajaj Travel Insurance for International Travel – Apply Online
Buy overseas travel insurance online in minutes.
Secure Your Travels with Trusted Coverage
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shopping_cartHow to Buy the Plan?
Buy Travel Insurance online using a UPI, credit/debit card, NEFT, RTGS or cheque.
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assessmentTraveler outside India
Travelers already outside India without insurance? We can try to get special approval to buy Bajaj General travel insurance online.
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For Claim or reimbursement, Contact Bajaj General via toll-free helpline.
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Download Bajaj General Travel Insurance brochure online!
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Renew your Bajaj General travel insurance policy online anytime before expiry.
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Why Buy from NRIOL?
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verifiedTrusted Bajaj General Plans
Access Bajaj General international travel insurance policies, trusted by thousands of Indian travelers worldwide.
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attach_moneyAffordable Premiums
Transparent pricing for Bajaj General overseas travel insurance, with no hidden costs.
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school20+ Years of Expertise
Expert guidance for Indian travelers planning international trips with reliable coverage.
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editEasy Policy Management
Modify travel dates, personal details, or coverage options online with Bajaj General travel insurance.
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updateFlexible Extensions
Extend or renew your Bajaj General international travel insurance if your trip gets delayed.
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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".
What Are The Coverage Options Under Bajaj General Travel Insurance?
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health_and_safety Bajaj General Travel Insurance Features
Bajaj General overseas travel insurance provides comprehensive mediclaim coverage for Indian residents traveling abroad including the USA, Canada, UK, Europe (Schengen visa), Singapore, UAE (Dubai, Abu Dhabi), or Australia. Bajaj General is trusted globally for its prompt claim settlement and reliable service.
description How to Access or Manage Your Plan
verified_user Plans Without Sublimits
- Available up to 90+ years of age
- Extensive coverage for high overseas medical expenses
- Priced higher than plans with sublimits
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place What Are the Popular Travel Destinations?
Explore Bajaj General travel insurance options for your trips to the most popular destinations worldwide.
- For travel insurance from India to the UK, select 'Excluding America' as the destination.
- For travel insurance from India to Australia or New Zealand, choose 'Excluding America'.
- For travel insurance from India to the USA and Canada (North and South America), select 'Including America'.
- For travel within Asia like Singapore, UAE (Dubai, Abu Dhabi), Thailand, or Malaysia (excluding Japan), there is a short-term Asia Plan (up to 14 days only). For trips longer than 14 days, select 'Excluding America'.
- For Europe and Schengen countries, select "Schengen Countries" as your destination.
Bajaj General Schengen Travel Insurance (Schengen Visa Insurance for Europe)
Bajaj General Schengen Travel Insurance Requirements
local_hospital 30,000 Euro / $50,000 travel medical insuranceflight_landRepatriation coverage
healingEmergency medical evacuation
businessBajaj General tie-ups across Europe for local support
assignmentGet Free Schengen Travel Insurance Quotes
Fill the Quote Form to receive free quotes for Bajaj General Schengen plans.
More Details »
Select Schengen Countries as your travel destination.Bajaj General Schengen travel insurance satisfies Schengen visa requirements and is accepted by consulates of all Schengen countries. You can purchase it to obtain a visa for the following countries:
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shopping_cart How to Buy Bajaj General Travel Insurance?
You can buy Bajaj General travel insurance online with Credit/Debit Card, Cheque, Demand Draft, or Net Banking.
Buy Using Credit or Debit Card
- Purchase Bajaj General Travel Insurance online using a credit or debit card from anywhere in the world.
- Popular among customers from USA, UK, UAE, Europe, Canada, Singapore, and Australia — especially for parents visiting abroad.
- For Europe, Schengen travel insurance is mandatory, and Bajaj General policies meet all Schengen visa requirements.
- Instant acknowledgement and policy documents are sent via email immediately after purchase.
- Full premium refunds (minus cancellation fees) are available if the insured cancels before the trip begins.
Cheque / Demand Draft / Net Banking Options
Customers can also pay via cheque, demand draft, or net banking. The policy is issued once payment is received. Call 080-41101026 in India for assistance from our advisors who will help you select the right plan.
Payment options
- Cash Cards - ItZ Cash, Pay Cash
- Mobile Payments - Paymate, IMPS, Scan N Pay
- Wallets - Paytm, Mobikwik, Oxigen, Freecharge, Jio Money
- UPI - Unified Payments Interface
What is included in Bajaj General overseas travel insurance?
- Medical Emergencies: This coverage includes hospitalization, emergency medical treatment, evacuation, and the repatriation of remains.
- Trip Cancellation/Interruption: It provides reimbursement for non-refundable expenses in the event of trip cancellation due to illness or emergencies, as well as coverage for costs related to trip interruptions.
- Loss of Baggage: This policy protects against loss, theft, or damage to baggage and includes compensation for delays.
- Flight Delays and Missed Connections: It offers compensation for expenses incurred as a result of flight delays or missed connections.
- Loss of Passport and Travel Documents: This coverage is for the costs associated with replacing lost or stolen passports and travel documents.
- Personal Liability: It provides protection against legal liabilities for damage or injury caused to others.
- Accidental Death and Disability: Travel insurance policy offers compensation in case of accidental death or permanent disability.
- Emergency Cash Assistance: It provides emergency financial support in situations of theft or unforeseen expenses.
- Travel Assistance: This service ensures 24/7 emergency support and legal assistance during your travel period.
What Are the Important Factors to Consider While Buying Bajaj General Travel Insurance?
When choosing a Bajaj General overseas travel insurance plan, here are the key points to keep in mind:
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Frequency of travel:
- If you are a frequent corporate traveler or businessperson going abroad several times a year, an annual multi-trip plan is more suitable as it covers multiple journeys under one policy.
- For leisure travelers taking an occasional holiday outside India, a single-trip travel insurance plan is usually sufficient.
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Medical coverage required:
- Bajaj General offers different plans with varying maximum medical coverage limits.
- The higher the coverage, the broader the protection against unexpected hospitalization or treatment costs abroad.
- Choose the sum insured that best matches your destination and anticipated medical expenses.
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Sub-limits vs No Sub-limits:
- For senior travelers (especially above 56 years), some plans may come with sub-limits on hospitalization and medical expenses.
- While such policies are affordable, they may restrict benefits in case of major medical emergencies.
- For more comprehensive protection, especially when traveling to the USA or Europe, it is recommended to opt for plans without sub-limits for better coverage and peace of mind.
Bajaj General Travel Insurance Plans for Every Type of Traveler
Whether you’re a student heading abroad, a senior exploring new destinations, a frequent flyer on business trips, traveling across Asia, or journeying within India — Bajaj General offers travel insurance plans to keep you protected and stress-free.
- Infants as young as 1 day old can be covered.
- Covers pre-existing medical conditions up to USD 5,000 (under select plan).
- Separate limits for sickness and accident medical coverage up to the policy maximum.
- Family discounts available.
- Optional add-ons like sports cover, car rental and more.
- Eligible for travelers aged 6 months to 99 years.
- Coverage up to USD 1,000,000 for under 70 years, USD 50,000 for 70+.
- Cashless hospitalization after deductible.
- Reimbursement for outpatient medical and pharmacy expenses.
- For travelers aged 6 months to 85 years.
- Covers up to USD 500,000 till age 70 and USD 50,000 for 70+.
- Cashless hospitalization after deductible.
- Reimburses outpatient medical and pharmacy expenses.
- For travelers aged 6 months to 70 years.
- Includes limited coverage for pre-existing medical conditions.
- Coverage up to USD 500,000 till age 60 and USD 50,000 for 60+.
- Cashless hospitalization after deductible.
- Outpatient expenses reimbursed.
- For travelers aged 6 months to 70 years.
- Most affordable plan among Bajaj travel insurance options.
- Coverage up to USD 500,000 till age 60 and USD 50,000 for 60+.
- Cashless hospitalization available.
- Outpatient and pharmacy expenses reimbursed.
Why You Need Travel Insurance
health_and_safety Why You Need Travel Insurance
- Medical emergencies and hospitalization
- Accidents and sickness
- Loss or delay of baggage
- Passport loss
When you buy Bajaj General travel insurance, you are financially secure against these unexpected events and can access multilingual assistance worldwide.
star_rate Key Highlights
- Covers emergency medical expenses overseas
- Covers pre-existing medical conditions under life-threatening situations
- Worldwide coverage with high service reliability
- Affordable premiums offering best value
- Plans without sub-limits available up to 90+ years
- Coverage ranges from $15,000 to $1,000,000
assignment How do I Claim Bajaj General Travel Insurance?
Bajaj General offers 24x7 global assistance to help you with claims, medical emergencies, and travel support.
support_agent Assistance Services
- Pre-departure information about foreign locations, passport / visa requirements, immunization needs etc.
- 24/7 travel agency support (airline/hotel bookings)
- Medical help & hospital coordination
- Medical evacuation & repatriation: In the event of medical emergency, the assistance services will arrange for evacuation and transportation based on the medical evaluation of traveler condition.
- Lost documents & embassy referrals
- Emergency message relay
- Guidance for claims submission
call 24x7 Contact Support
For Americas (USA & Canada)- +1-877-874-8800
- travel@bajajgeneral.com
- +91-22-6678-6666
- travel@bajajgeneral.com
location_on Claim Submission (India)
Claims Department
Bajaj General Insurance Co. Ltd.
G-21 & 22, Ackruti Trade Centre, MIDC Road,
Andheri (E), Mumbai – 400093
local_hospital US Medical Claims
Bajaj General Assistance
7th Floor, Tower B, Peninsula Business Park,
Lower Parel, Mumbai – 400013
- +1-877-874-8800
- travel@bajajgeneral.com
block What Are Some of the Exclusions in Bajaj General Travel Insurance?
Travel insurance covers unanticipated adverse circumstances. Any planned situation, preventive healthcare, or regular treatment for an existing medical ailment will not be covered. The following are some of the exclusions under the Bajaj General travel policy. For complete details, please refer to the policy document.
Medical Expenses Exclusions
- Traveling against the advice of a medical practitioner
- Complications or treatment for a pre-existing medical ailment not covered under the policy
- Self-inflicted injuries
- Pregnancy-related issues or childbirth complications
- Conditions related to mental disorders, STDs, or injuries from alcohol/drugs not medically prescribed
Baggage Related Exclusions
- Loss or delay if baggage was shipped separately before travel date
- Loss occurring outside the insured travel destination (e.g., within India)
- Claims without valid supporting documents from relevant authorities
Other Exclusions
- Involvement in illegal activities, burglary, or malicious acts
- Participation in high-risk adventure sports (motocross, skydiving, scuba diving, etc.) not covered under the plan
- Engaging in manual labour or hazardous work during the insured trip
Is It Worth Paying for Travel Insurance?
In short: yes - especially for international trips. Here's why Indian travellers should never skip overseas travel insurance:
- Medical costs abroad are shockingly high. A single night of hospitalisation in the USA can cost ₹2–5 lakh. An emergency surgery can run to ₹25–40 lakh or more. Bajaj General's travel insurance covers up to $1,000,000 in medical expenses for as little as ₹32/day.
- Flight disruptions are common. If your connecting flight is missed or your trip is cancelled due to illness, non-refundable hotel and flight costs can run into lakhs. Trip cancellation and delay cover reimburses these losses.
- Lost baggage is more disruptive than you think. Airlines lose or delay over 20 million bags globally each year. Bajaj General reimburses up to $500 for lost baggage and $200 for essential purchases during a baggage delay.
- Many countries require it. Schengen visa countries legally require a minimum of €30,000 medical cover. Bajaj General is VFS Global approved and meets all requirements.
At ₹20–28 per day, Bajaj General travel insurance is a small price for enormous peace of mind. Get a free quote in under 60 seconds →
Select International Travel Cover with Baggage Protection at a Low Premium
Every Bajaj General international travel plan includes baggage protection as standard. Whether your airline misplaces your luggage or your bags are stolen, you are covered for the financial loss without paying a high premium.
| Baggage Benefit | Coverage Amount | Deductible / Trigger |
|---|---|---|
| Loss of Checked-In Baggage | Up to $500 | Nil (subject to plan) |
| Delay of Checked-In Baggage | $100–$200 | After 12 hours of delay |
| Loss of Passport | Up to $250 | $15–$25 deductible |
| Emergency Cash (if wallet stolen) | Up to $1,000 | Select plans only |
All plans with baggage protection are available from ₹20/day - one of the lowest premiums for international travel cover with baggage protection in India. Check your price now →
Bajaj General Travel Insurance – FAQ's
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Who can buy Bajaj General travel insurance?
Any Indian resident between 6 months and 90+ years of age traveling abroad can buy Bajaj General travel insurance.
Is Bajaj General travel insurance accepted for Schengen or other visa requirements?
Yes. Bajaj General travel insurance offers visa-compliant plans suitable for Schengen, UK, USA, and other destinations.
Is Bajaj General travel insurance a good choice for Indian travellers?
Yes. Bajaj General (formerly Bajaj Allianz) is one of India's most trusted travel insurers with over 20 years of experience. It offers cashless hospitalisation at hospitals worldwide, 24/7 emergency assistance, affordable premiums from ₹20/day, and a proven track record of fast claim settlement. Thousands of Indian travellers, NRIs, and students rely on it every year.
Which is the best overseas travel insurance in India?
The best overseas travel insurance depends on your trip profile. For most travellers, the Bajaj General Travel Prime plan offers the best balance of coverage (up to $1,000,000) and affordability. For budget-conscious travellers, the Travel Companion plan starting at ₹20/day provides solid essential cover. For Schengen or US trips, Travel Ace or Travel Elite are popular choices. Compare all plans and premiums here.
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What are the key benefits offered under Bajaj General travel insurance?
- Medical Expenses: Covers hospitalization, doctor consultations, and emergency treatment abroad.
- Medical Evacuation & Repatriation: Covers costs for evacuation and repatriation of remains.
- Personal Accident: Coverage for accidental death or permanent disablement.
- Baggage Loss/Delay: Compensation for lost or delayed baggage.
- Trip Delay/Cancellation: Covers non-refundable costs in case of trip interruptions.
What are the exclusions under Bajaj General travel insurance?
- Traveling against medical advice.
- Traveling abroad for medical treatment.
- Pre-existing conditions (unless covered under specific plans).
- Participation in professional or adventure sports.
- Losses due to war, terrorism, or illegal activities.
What plan options are available?
Bajaj General offers multiple plan variants such as Standard, Silver, Gold, and Platinum with coverage ranging from USD 50,000 to USD 500,000.
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How can I buy Bajaj General travel insurance online?
You can easily buy it online through NRIOL.com or the official Bajaj General website by selecting your travel details and paying online.
Can Bajaj General travel insurance be renewed online?
Yes. Fill the online renewal form. Renewal is approved based on good health and no previous claims.
Can I extend my travel insurance while I am abroad?
Yes. You can request an extension by filling the renewal form. Extensions are subject to approval and can be granted up to an additional 6 months.
What is the maximum duration of coverage?
The policy can initially cover up to 6 months and can be renewed for another 6 months if required.
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How can I file a claim under Bajaj General travel insurance?
Contact the Bajaj General assistance helpline at 1800 209 5858 or +91 124 6174720. Submit the required claim documents as instructed by the team.
Is Bajaj General travel insurance cashless?
Yes, cashless service is available for hospitalizations exceeding 24 hours (after deductible). For smaller expenses, you can pay first and then file for reimbursement.
Are outpatient medical expenses covered?
Yes, outpatient treatment expenses are reimbursed after you pay initially and submit valid documents (subject to the deductible mentioned in your plan).
What documents are needed to file a claim?
- Policy copy
- Passport copy with entry/exit stamps
- Hospital bills and medical reports
- Proof of payment
- Claim form (duly filled)
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Can I cancel my Bajaj General travel insurance policy?
Yes, cancellation is allowed if you haven’t traveled and no claims have been made. You must provide proof of visa rejection or trip cancellation.
How do I apply for a refund?
Send a written request with policy details and supporting documents to travel@bajajallianz.co.in. Refunds are processed after approval from the insurer.
Is there a refund if I return early from my trip?
Partial refund may be applicable for the unused travel period, subject to no claims being filed.
Can I cancel my Bajaj General travel insurance and get a refund?
Yes. If your trip is cancelled before it begins and no claim has been made, you can cancel your Bajaj General policy and receive a premium refund minus applicable cancellation charges. You must submit proof of trip cancellation (such as visa rejection or airline cancellation confirmation). Send your written request with policy details to travel@bajajallianz.co.in or call 080-41101026.
Bajaj General Schengen Insurance for VFS Requirements
Choose the right Bajaj General plan based on your age group for Schengen visa compliance.
| Age Group | Available Plans |
|---|---|
| 6 months - 60 years | Travel ACE | Travel Prime | Travel Elite | Assist Card | Travel Companion |
| 61 years - 70 years | Travel ACE | Travel Prime |
| 71 years and above | Travel ACE | Travel Prime |