International Travel Insurance Online

Having adequate travel insurance coverage ensures your safety while you are abroad. Here is a quick rundown of the key features offered under our international travel insurance plans:

সব রকম বয়সের জন্য প্ল্যান

The travel needs of every individual vary. For instance, the requirements of a student will differ from someone who is travelling alone or with family. With us, you can buy international travel insurance plans online, specific to your age, and with suitable benefits.

পাসপোর্ট/লাগেজ হারিয়ে যাওয়ার কভার

Losing your passport or baggage is scarier than it sounds. In case of complete and permanent loss of the checked-in baggage, we offer coverage for the same. In case you lose your passport we cover the cost that you will need to get a duplicate passport.

বাড়ির ডাকাতির বিরুদ্ধে কভার

যখন আপনি ছুটি উপভোগ করার জন্য বাড়ি থেকে দূরে থাকেন, তখন ডাকাতরা এর সুবিধা নিতে পারে. আপনার অনুপস্থিতিতে আপনার বাড়িতে চুরির ক্ষেত্রে হোম বার্গলারি কভারেজ ক্ষতিপূরণ প্রদান করে.

ট্রিপ সম্পর্কিত প্রতিকূল অবস্থার জন্য কভার

There could be a situation where you have to cancel your travel plan. It could be due to your falling ill, or any family emergency, etc. Having a valid international travel insurance secures you from financial expenses. It includes hotel room reservations, flight tickets, etc.

ইমার্জেন্সি অ্যাডভান্স ক্যাশ

You may require emergency cash under an unforeseen event like theft/burglary of luggage or money. With our coverage, you may avail of cash benefits up to a specified limit when having an international travel policy.

পার্সোনাল লায়াবিলিটি

থার্ড পার্টির ক্ষতির জন্য করা ক্লেম পে করার ক্ষেত্রে ইনসিওর্ড ব্যক্তির যে কোনও লিগ্যাল লায়াবিলিটির জন্য আপনার নিজের পকেট থেকে পে করতে হবে না. পর্যাপ্ত ইনস্যুরেন্স থাকলে তা ইনসিওর্ড ট্রিপের সময় ঘটে যাওয়া দুর্ঘটনাজনিত শারীরিক আঘাত/দুর্ঘটনাজনিত সম্পত্তির ক্ষতির কারণে উদ্ভূত খরচগুলি বহন করে.

With Bajaj General International Travel Insurance, you are travelling smarter, safer and with our special care. Our plans are designed to give complete protection and peace of mind.

In the table below are some of the factors that can provide you additional edge while choosing a travel plan from us:

আপনার কেন আন্তর্জাতিক ট্রাভেল ইনস্যুরেন্স প্রয়োজন?

Many travellers underestimate the importance of international travel insurance, often considering it only when it is mandated by a country. However, overseas trips involve financial, medical, and logistical risks that can quickly escalate. From costly medical emergencies to lost passports, luggage, or travel scams, having the right coverage ensures peace of mind during your journey.

Countries like Cuba, Russia, and Schengen nations require travellers to have an international trip protection plan for visa approval. Beyond mandatory compliance, comprehensive coverage safeguards you against unforeseen events and expenses abroad, providing support when you need it most.

Medical Expenses Abroad Are Significantly Higher

Medical treatments outside India can cost 2 to 3 times more than domestic care. A robust travel medical insurance abroad ensures you receive quality treatment without worrying about exorbitant bills or out-of-pocket expenses.

Protection Against Lost Passports and Travel Documents

On trips, losing passports or essential documents can create serious problems. An overseas travel insurance policy offers support and compensation, helping you replace documents quickly and continue your journey with minimal disruption.

Coverage for Lost Luggage and Personal Belongings

Luggage, cash, or bank cards may get lost or stolen during travel. The right international travel insurance provides financial reimbursement, reducing stress and protecting your belongings from unexpected mishaps.

Safeguard Against Travel Scams

Popular tourist destinations sometimes attract scams targeting travellers. A comprehensive international trip protection plan helps mitigate losses by offering financial coverage and assistance, keeping you secure while exploring abroad.

Mandatory Requirement for Visa Approval

Several countries, including Schengen nations, Cuba, and Russia, require proof of international travel insurance as part of the visa process. Having a valid policy ensures compliance and smooth travel planning.

Peace of Mind During Your Journey

Travelling can involve uncertainties, from minor inconveniences to emergencies. Choosing the best international travel policy in India ensures you are financially and medically protected, allowing you to focus on enjoying your trip.

Please Note: When selecting your overseas travel insurance, consider company reputation, plan features, coverage limits, and 24/7 customer support. Choosing a reliable provider ensures timely assistance and proper protection throughout your travel.

Process of Choosing the Right International Travel Insurance

আপনি সিঙ্গেল-ট্রিপ ট্রাভেল ইনস্যুরেন্স বা মাল্টি-ট্রিপ ট্রাভেল ইনস্যুরেন্স যাই কিনতে চান না কেন, এর জন্য অনেক অনুসন্ধান করা প্রয়োজন. ট্রাভেল ইনস্যুরেন্স প্ল্যান কেনার সময় আপনাকে অবগত সিদ্ধান্ত নেওয়ার ক্ষেত্রে সহায়তা করার জন্য নীচে কিছু বিষয় দেওয়া হল:

When to Choose International Travel Insurance?

The best time to choose and buy yourself an international travel insurance is just after you have booked your plane tickets. You should do this because you:

1. Get enough time to compare options and choose what is best for you.

2. Do not make a hasty decision if you have very little time to choose.

3. Do not skip the step of getting insured.

Keeping the travel insurance purchase pending for the last minute can lead to a lot of stress and you making a bad choice.

Where to Buy International Travel Insurance From?

You also need to make sure that the insurer you are choosing for your insurance plan has all of these and better services:

1. Good Customer Support: Has 24/7 customer support to solve all of your queries and confusion.

2. Fast and Simple Claim Process: Has a simple claim process which can be used easily in crises.

3. Digital Process: Has online or digital services to help access them from abroad.

4. Good Claim Settlement: Has a high claim settlement ratio.

5. Nice Reputation: Has a strong customer base and has positive customer reviews.

How to Choose International Travel Insurance?

When choosing the right international trip protection plan, you need to make sure you look into the following factors:

ভ্রমণের গন্তব্য

Travel insurance largely depends on the destination you have chosen. The requirement for coverage may vary from country to country. Some countries may not even permit a visa if you do not have sufficient international travel coverage.

যাত্রার মেয়াদ

Before you look for a plan, take into account the length of the trip. It is better to choose a plan of a duration exceeding the trip date. Just in case you need to extend the trip for a few days, you do not lose out on the cover.

Number of People Travelling

If you are a solo traveller, pick an individual travel insurance plan. In case travelling with a family, you should go with a family travel insurance plan. Before buying a plan, count the number of travellers and accordingly customise it, based on the location. The international travel insurance cost will differ from plan to plan.

ভ্রমণের ফ্রিকুয়েন্সি

The reasons for travelling could be different. However, if you are a regular traveller, you should think of selecting a multi-trip travel insurance plan. A plan like this will help you to enjoy the vacation without having to apply for a new travel plan every time. In case it’s going to be a one-time visit, opt for a single-trip travel insurance plan.

Claim Limit

While opting for a sum insured, keep in mind the claim limit. With a low claim limit, in case of any medical emergency, insurance coverage won’t suffice. On the premise of where you are heading and for how long, pick a suitable sum insured for your international travel. A higher sum insured implies a higher premium, yet it is worth it in case of any unforeseen event.

বিভিন্ন আন্তর্জাতিক ট্রাভেল ইনস্যুরেন্স কোম্পানি এবং তাদের অফারগুলি রিসার্চ করলে তা আপনাকে আপনার ভ্রমণের প্রয়োজনীয়তার জন্য সবচেয়ে উপযুক্ত প্ল্যান খুঁজে পেতে সাহায্য করবে.

আপনি একটি ইন্টারন্যাশনাল ট্রিপের প্ল্যান করার সময় আপনার যা জানা উচিত

An international trip sounds exciting, yet planning for the same can be exhausting. Before you head out to your destination, jotted below are important things that you need to keep in mind:

1. Check Passport Validity and Visa Requirements: Ensure your passport is valid for 6 months and review visa rules before starting your travel.

2. Buy International Travel Insurance: Get travel insurance early to cover medical emergencies and other trip issues.

3. Review Health and Safety Needs: Check required vaccinations and consider travel medical insurance abroad for emergencies.

4. Keep Document Copies: Store digital and physical copies of passports, visas, and overseas travel insurance papers.

5. Learn Local Etiquette: Understand basic customs, laws, and cultural norms to avoid misunderstandings.

6. Pre-Book Essentials: Reserve hotels, transfers, and key activities to prevent last-minute issues.

7. Check Baggage Rules: Review airline baggage limits and pack essentials wisely.

8. Create a Trip Protection Plan: Save embassy contacts, emergency numbers, and international trip protection plan details to access at one click in times of crisis.

আন্তর্জাতিক ভ্রমণের জন্য কি ট্রাভেল ইনস্যুরেন্স বাধ্যতামূলক?

It is important to understand that travel insurance is not mandatory to enter every foreign country. However, it is a wise decision to get travel insurance before international trips.

ভাবছেন কোন দেশের জন্য ট্রাভেল ইনস্যুরেন্স প্রয়োজন? যে কোনো বিভ্রান্তি এড়াতে, আপনি যে গন্তব্যে ভিজিট করার প্ল্যান করছেন সেটির দূতাবাসের বা কনসুলেটের সাথে যোগাযোগ করুন. নীচের টেবিলে সেই দেশগুলির নাম রয়েছে যেখানে যাওয়ার জন্য ট্রাভেল ইনস্যুরেন্স থাকা বাধ্যতামূলক:

1. Algeria

2. Cuba

3. Iran

4. Georgia

5. Moldova

6. Jordan

7. Schengen Countries (a group of 29 countries in Central Europe)

8. উইনাইটেড আরব এমিরেটস

9. Antarctica

10. The Galapagos Islands

11. Russia

12. Qatar

13. Rwanda

14. Turkey

15. Saudi Arabia

16. Ukraine

Note: This is not an exhaustive list. Countries may be added/removed as per the countries' policy, which is subject to change.

ভারতীয়রা কোথায় অ্যারাইভাল ভিসা পাবেন?

Applying for and getting a visa may at times be overwhelming. However, some countries offer a visa-on-arrival, and you do not need to go through the entire process.

Below are the names of the countries that allow visa-on-arrival for Indian passport holders:

1. Angola

2. Bolivia

3. Cabo Verde

4. Cambodia

5. Cameroon

6. Cook Islands

7. Ethiopia

8. Fiji

9. Guinea-Bissau

10. Indonesia

11. Iran

12. Jamaica

13. Jordan

14. Kenya

15. Kiribati

16. Laos

17. Madagascar

18. Mauritania

19. Mongolia

20. Myanmar

21. Nigeria

22. Qatar

23. Marshall Islands

24. Reunion Island

25. Rwanda

26. Saint Kitts & Nevis

27. Saint Lucia

28. Seychelles

29. Somalia

30. Sri Lanka

31. Suriname

32. Tajikistan

33. Tanzania

34. Thailand

35. Tunisia

36. Tuvalu

37. Vanuatu

38. Vietnam

39. Zimbabwe

Schengen Travel Insurance Requirements

1. Minimum coverage of €30,000.00 (equivalent to Rs. 2,699,453.67 as of May 2023).

2. A cover applicable in all Schengen member states.

3. A cover for expenses related to emergency medical treatment, evacuation for medical purposes, or repatriation from Europe to India.

আপনি অনলাইনে আপনার শেঞ্জেন ট্রাভেল ইনস্যুরেন্স নেওয়ার মাধ্যমে নিরাপদ থাকতে পারেন.

How to File a Claim for International Travel Insurance with Bajaj General Insurance?

It is important to understand the international travel insurance claim process. You can file a claim for travel insurance online by sending documents to travel@bajajgeneral.com.

In case of injuries or accidents for intimation of hospitalisation, please use our missed call facility by dialling +91 124 6174720:

রিইম্বার্সমেন্ট ট্রাভেল ইনস্যুরেন্স ক্লেম

The reimbursement usually takes up to 10 days or more. Ensure that the documents submitted are complete and correct. Below are the steps you can follow to get a reimbursement claim:

1. Open the Bajaj General app and log in to your account.

2. Collect and submit all original copies of the document to the Bajaj General Insurance Health and Travel Administration Team (HAT).

3. Once the documents are verified, the payment will be received within 10 business working days via NEFT.

In case the provided information or any document is missing, the insurer will inform you about the same. The pending documents need to be submitted within 45 days. The insurer also sends three reminders with a gap of 15 days, requesting that the formalities be completed. On the completion of 45 days, if the documents are still pending, the claim process will be aborted.

ক্যাশলেস ট্রাভেল ইনস্যুরেন্স ক্লেম

The cashless claim is only applicable for hospitalisation overseas. The incurred hospitalisation cost should be more than USD 500.

1. Submit the documents by sending them to travel@bajajgeneral.com.

2. After the claim gets submitted and verified, you will receive a payment guarantee letter.

যদি প্রদত্ত তথ্য বা কোনও ডকুমেন্ট অসম্পূর্ণ হয়, তাহলে ফর্মালিটি সম্পূর্ণ করার জন্য ইনস্যুরার যোগাযোগ করবে. তারপর ট্রাভেল ইনস্যুরেন্স ক্লেম প্রক্রিয়া চলতে থাকে.

লাগেজ প্যাক করা, হোটেল এবং ফ্লাইট টিকেট বুকিং করা ছাড়াও করার জন্য আরও অনেক কাজ আছে. এখানে একটি ইন্টারন্যাশনাল ট্রাভেলের জন্য প্রয়োজনীয় সংক্ষিপ্ত চেকলিস্ট দেওয়া হল:

1. Money, debit/credit cards

2. A sturdy travel bag

3. Universal travel adaptor

4. Reusable water bottle

5. Medications/handy first-aid kit

6. Know the currency exchange rates and ATM fees, if required

7. Download the basic necessities (such as offline Google Maps)

8. Comfortable walking shoes

9. Travel-sized toiletries

10. Luggage locks

11. Microfiber towel

12. Most importantly, stay connected with your family and friends!

13. Travel with Care!

Below are the documents you will need to file a cashless claim with Bajaj General Insurance:

1. Claim form (to be filled and signed by the insured)

2. Attending physician statement (to be filled and signed by overseas treating doctor)

3. Release of Medical Information Form (ROMIF) to be filled out and signed by the insured, and to obtain the medical records from the facility

4. Medical records/consultation papers/investigation reports

5. Invoices/ Bills / Estimate Claim Amount

6. Visa copy with Entry Stamp Overseas and Exit Stamp from India

7. Death certificate/Post Mortem report in case of death