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Travel Insurance
Key Features
The Real Ace in your Travel Pack
Coverage Highlights
Comprehensive travel protection under a single planDesign your own plan
A truly modular plan that offers you flexibility to curate coverage suited for you and your family
Wide Sum insured options
Choose adequate sum insured that suits your budget
Pre- Existing (PEDs) covered
Medical expenses upto USD 3000 for emergeny medical care of pre existing diseases
Truly Cashless
Worldwide cashless hospitalisation
Ease of buying
No medical health check up required to purchase the policy
Discounts
Upto 10% discount depending upon the number of people travelling
Extension of medical coverage post policy expiry
If hospitalised within the policy period, treatment can be continued upto a maximum of 75 days beyond policy expiry
24x7 support
Enjoy round the clock support to travel worryfree
Direct Discount
Enjoy 5% direct discount by purchasing online
From reimbursements to fixed payouts
Some coverages reimburse actual expenses while others provide a pre-fixed amount
One trip or many? We have got you covered
A Single-Trip Policy covers just one trip, perfect for occasional travelers. A Multi-Trip Annual Policy covers unlimited trips within a year, ideal for frequent travelers. If you travel often, save time and money with an annual plan. Choose what fits your travel needs
Additonal Coverage
What else can your get?Trip Delay Delight
Pays an agreed amount in case the flight gets delayed beyong the defined period
Track-a- Baggage
Opting this service helps you keep track of your luggage during your trip, giving you peace of mind. If your bags go missing, the service helps locate and return them to you quickly
Extended Pet Stay
Covers expenses for your pet’s extended stay at a boarding facility due to unforeseen travel delays
Weather Guarantees
Offers compensation for costs due to trip disruptions caused by extreme weather conditions
Note
Please read policy wordings for detailed coverage
Croatia, known for its stunning Adriatic coastline, historic cities, and rich cultural heritage, has become a popular destination for Indian travellers. Whether you plan to explore the medieval streets of Dubrovnik, enjoy the natural beauty of Plitvice Lakes, or attend business meetings in Zagreb, understanding the visa process is essential before you pack your bags.
Indian citizens do need a visa to visit Croatia for tourism, business, study, or other purposes. Unlike some countries offering a visa-on-arrival, Croatia requires Indian travellers to apply for a visa in advance. Along with the visa, having Travel Insurance India that meets Croatia’s requirements is mandatory for visa approval.
Indian passport holders must obtain a visa before travelling to Croatia. Croatia joined the European Union and became part of the Schengen Area in 2023. However, Indian nationals still require a separate visa to enter unless they hold a valid multiple-entry Schengen visa or a visa/residence permit from the US, UK, or Ireland. In such cases, Indian travellers can enter Croatia without a separate visa for up to 90 days. It is essential to note that there is no Croatia visa on arrival for Indian citizens; all travellers must apply for and obtain their visa before arrival.
The visa application process involves submitting documents such as a valid passport, proof of accommodation, a travel itinerary, financial proof, and mandatory travel insurance with a minimum coverage of €30,000 (approximately ₹ 30.16 Lakh). Indian applicants can apply through VFS Global centres or the Croatian Embassy in New Delhi. Processing typically takes 10 to 15 working days, so applying at least three weeks before travel is recommended. This ensures compliance with Croatian immigration rules and a smooth entry into the country.
*All prices mentioned are dynamic in nature and subject to change with time.
Depending on your purpose of visit, you can apply for different types of Croatia visa for Indians:
Visa Type | Purpose | Validity & Duration |
Short-Stay Schengen Visa (Type C) | Tourism, business, visiting family/friends | Up to 90 days within a 180-day period |
Long-Stay National Visa (Type D) | Work, study, and family reunification | More than 90 days, validity varies |
Transit Visa (Type A) | Airport transit through Croatia | Duration of transit |
Student Visa | Full-time education in Croatia | Valid for the duration of the course |
Business Visa | Business meetings, conferences | Up to 90 days within 180 days |
Indian travellers must choose the visa type that matches their travel purpose and apply accordingly.
To be eligible for a Croatia visa, Indian applicants must:
● Hold a valid Indian passport with at least six months' validity beyond the intended return date.
● Have confirmed travel bookings, including return tickets.
● Provide proof of accommodation in Croatia.
● Demonstrate sufficient financial means to support their stay.
● Have valid Travel Insurance covering medical emergencies with a minimum coverage of €30,000 (around ₹ 30.16 Lakh).
● Not intending to engage in paid work (unless applying for a work visa).
● Submit all required documents and attend an interview if called upon.
Get instant access to your policy details with a single click.
When applying for a Croatia visa, Indian applicants must prepare the following documents:
● Completed and signed the visa application form.
● Two recent passport-sized photographs (35 mm x 45 mm) with a white background.
● Valid Indian passport with at least two blank pages and six months' validity beyond the return date.
● Previous passports (if applicable).
● Travel itinerary including confirmed flight bookings (round trip).
● Proof of accommodation: hotel bookings or an invitation letter from the host.
● Travel Insurance with a minimum coverage of €30,000 (around ₹ 30.16 Lakh), valid for Croatia and the entire Schengen area.
● Proof of financial means (bank statements for the last 3 to 6 months).
● Cover letter explaining the purpose of the visit.
● Visa fee payment receipt.
● Additional documents, such as employment proof, student enrollment, or business invitation letters, may be required, depending on the visa type.
The Croatia visa fees for Indian citizens depend on the visa type and the applicant’s age:
Visa Type | Fee in Euro (€) | Approximate Fee in ₹ (2025) |
Short-Stay Schengen Visa (Type C) | € 80 | ₹ 7,280 |
Transit Visa (Type A) | € 80 | ₹ 7,280 |
Long-Stay National Visa (Type D) | € 75 | ₹ 6,825 |
Children (6-12 years) | € 40 | ₹ 3,640 |
Children under 6 years | Free | Free |
Visa fees are subject to change based on currency fluctuations and official updates. Fee exemptions may apply in some cases.
Indian citizens can apply for a Croatia visa through the following steps:
- Locate the nearest Visa Application Centre (VAC): VFS Global operates Croatia visa centres in major Indian cities, including Delhi, Mumbai, Chennai, Bengaluru, and Hyderabad.
- Book an appointment: Schedule your visa application appointment online via the VFS Global website.
- Complete the application form: Fill out the Schengen visa application form accurately.
- Gather required documents: Ensure all documents are complete and valid.
- Attend the appointment: Submit your application and biometric data at the VAC. You may be called for an interview at the Croatian Embassy in New Delhi if required.
- Pay the visa fee: Fees are payable online or via a demand draft or debit card at the VAC (no cash payments are accepted).
- Track your application status: Use the VFS Global tracking system to monitor your application progress.
- Collect your passport: Once processed, collect your passport with the visa sticker from the VAC.
Visa rejections can occur due to incomplete documents, insufficient financial proof, or doubts about the travel purpose. If your visa is refused:
● Review the rejection letter carefully for the reasons.
● Reapply with corrected documents or additional evidence.
● Seek professional help if necessary.
● Appeals may be possible depending on the case, but can be time-consuming.
As an Indian citizen, you can extend a Croatian visa only under exceptional circumstances such as force majeure, humanitarian reasons, or serious personal reasons. Short-stay tourist visas for Croatia are generally not extendable. To apply for an extension, you must submit a request at a police administration or station in Croatia before your current visa expires, providing documents that prove the reason for the extension, demonstrate sufficient funds, and include travel insurance. Extensions are granted on a case-by-case basis, usually for a limited period, and the extension fee varies depending on the reason: it is free for force majeure or humanitarian reasons, and €30 for serious personal reasons.
Bajaj General Insurance Limited offers comprehensive Travel Insurance India plans tailored for Indian travellers to Croatia. Key benefits include:
● Coverage for medical expenses, emergency evacuation, and repatriation.
● Protection against trip cancellations & delays, and lost check-in baggage.
● Personal liability and legal assistance.
● Affordable and cost-effective plans with flexible coverage options.
● Easy online purchase and instant policy issuance.
● 24/7 customer support and hassle-free claim settlement.
With Bajaj General Insurance Limited Travel Insurance India, you can confidently meet visa requirements and travel worry-free.
Travel Insurance is mandatory for all Croatia visa applicants. The insurance must cover at least €30,000 for medical emergencies, including hospitalisation, repatriation, and emergency medical evacuation.
Step-by-Step Guide
How to Buy
1
Download the Caringly Yours Mobile App and use your login credentials
2
Select the travel insurance option by providing necessary details
3
Allow the application to process your information & get quotes
4
Choose the plan aligning with your travel itinerary & include add-ons
5
Finalise the plan selection and complete the payment process
6
Insurance policy & receipt will be promptly delivered to your email ID
How to Extend
1
Please reach out to us for policy extensions
2
Phone +91 020 66026666
3
Fax +91 020 66026667
Cashless Claim
1
Applicable for overseas hospitalization expenses exceeding USD 500
2
Submit documents online for verification.
3
Upon verification Payment Guarantee to be released to the hospital
4
Please complete necessary formalities by providing missing information
Reimbursement
1
On complete documentation receipt, reimbursement takes approx. 10 days
2
Submit original copies (paid receipts only) at BGIL HAT
3
Post scrutiny, receive payment within 10 working days
4
Submit incomplete documents to our document recovery team in 45 days
5
Policy deductible will be applicable as per policy copy
Purchasing Travel Insurance from Bajaj General Insurance Limited is simple:
1. Visit our official website.
2. Select your destination as Croatia.
3. Enter travel dates and number of travellers.
4. Choose a suitable plan based on coverage needs.
5. Provide personal and health details.
6. Make payment via online modes (credit/debit cards, net banking, UPI).
7. Receive your policy documents instantly by email and the mobile app.
This seamless process ensures you have valid insurance coverage for your visa application and travel needs.
In case of emergencies, Bajaj General Insurance Limited offers a straightforward claims process:
● Contact the 24x7 helpline immediately.
● Submit claim documents digitally through the website or app.
● Receive quick claim settlement with minimal paperwork.
*Claims are subject to terms and conditions set forth under the Travel Insurance India policy.
● Currency: Croatian Kuna (HRK) is the local currency. Currency exchange is available at airports, banks, and exchange centres.
● Local Laws: Respect local customs and laws. Always carry your passport and visa with you.
● Health: Carry necessary medications and consult your doctor before travel.
● Emergency Contacts: Indian Embassy in Zagreb: +385 1 489 51 00; Croatian Embassy in New Delhi: +91 11 2611 7022.
For personalised advice on Travel Insurance plans for Croatia, contact Bajaj General Insurance Limited at their toll-free number or via online chat on their official website. Expert assistance is available to help you choose the right coverage for your trip.
Ready to Explore Croatia with Confidence?
Secure your Croatia visa and protect your journey with Bajaj General Insurance Limited’s trusted Travel Insurance plans.
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Yes, Indian citizens must obtain a visa before travelling to Croatia. Unlike some countries that offer a visa-on-arrival facility, Croatia does not provide this option for Indian passport holders. All Indian travellers need to apply for a visa in advance through the Croatian Embassy or authorised visa centres in India. This process ensures compliance with Croatian immigration laws and smooth entry into the country. Planning is essential to avoid last-minute travel disruptions.
The processing time for a Croatia visa generally ranges from 10 to 15 working days. However, this duration can vary depending on factors such as the time of year, volume of applications, and the specific consulate or visa centre handling your case. It is advisable to apply at least three weeks before your planned travel date to accommodate any potential delays. Early application helps ensure your visa is ready well in advance of your trip.
The standard fee for a short-stay Schengen visa to Croatia is approximately €80, equivalent to around ₹ 7,280, as per current exchange rates. This fee applies to most adult applicants and is payable at the time of submission. Children aged 6 to 12 years pay a reduced fee, while children under 6 years are usually exempt. Visa fees are subject to change due to currency fluctuations and official updates; therefore, check the latest information before applying.
Bajaj General Insurance Limited’s travel insurance plans include protection against trip delays and loss of check-in baggage, subject to policy terms and conditions. If your flight is delayed beyond the covered waiting period, you may be eligible for compensation for additional expenses. Similarly, in the event of lost or delayed check-in baggage, the policy provides reimbursement for essential items or the value of the check-in baggage. Always report incidents promptly to the insurer for smooth claim settlement.
Yes, travel insurance is mandatory for all visa applicants to Croatia. The insurance must provide a minimum coverage of €30,000 (approximately ₹ 30.16 Lakhs) for medical emergencies, including hospitalisation, emergency medical evacuation, and repatriation. This requirement ensures that travellers are financially protected against unforeseen health-related expenses during their stay in Croatia and other Schengen countries. Without valid travel insurance meeting these criteria, visa applications may be rejected.
Bajaj General Insurance Limited offers various travel insurance plans, some of which provide coverage for pre-existing medical conditions. However, coverage depends on the specific policy terms and the nature of the condition. It is important to carefully review the policy document or consult with the insurer to understand any exclusions or waiting periods related to pre-existing illnesses. Clear disclosure of medical history during application is essential for smooth claim processing.
It is advisable to contact your insurance provider to discuss your claim. Please ensure you have your policy details, passport number, and any other relevant information readily available while submitting your claim.
Usually medical reports and their copies, receipts, invoices, FIRs, etc. are required for a domestic travel insurance claim. You can get more information from the customer care executive of your insurer.
You can register your claim in two ways—online and offline. For online claim settlement, visit the insurance provider's website to register your claim and upload the necessary documents. If you prefer offline claim settlement, you can register your claim by contacting the designated person.
Some travel insurance policies may offer renewal options, but this is not always standard. Generally, travel insurance is designed for specific trip durations. It is best to check with your insurance provider to see if renewal is possible and under what conditions.
Extending a travel insurance plan depends on the specific policy and provider. Some policies may allow extensions under certain circumstances, while others may require purchasing a new policy. Contacting your insurance provider directly is the best way to determine if an extension is possible or not.
If your travel insurance expires while you are still traveling, you will no longer have coverage for any medical emergencies, lost luggage, or other risk. This means you would be responsible for any expenses incurred during your travel after your policy expiration. It is recommended to ensure your travel insurance covers the entire duration of your
The validity period of travel insurance varies significantly. It is tied to the length of your trip, and policies are typically purchased for specific durations. These durations can range from a few days to several months, depending on the policy and provider. Always confirm the exact validity period with your insurance provider before your trip.
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