What is Domestic Travel Insurance Online?

Domestic travel insurance online is an assurance for your travels across India, offering coverage for unexpected incidents like medical emergencies, trip delays, check-in baggage loss, and more. With travel insurance for domestic travel, you can explore worry-free, knowing you're protected against uncertainties. Bajaj General Insurance Company's Bharat Bhraman Policy provides comprehensive coverage made for Indian travellers, ensuring a secure and memorable journey, whether for business, leisure, or personal reasons.

Features of Domestic Travel Insurance

●      There’s no cap on age. Whether you’re 21 or 50, you can always invest in a Domestic Travel Insurance Plan and stay protected from unpleasant surprises over the course of your trip.

●      Offers coverage against loss of passport, travel tickets, etc.

●      Provides coverage for a period of 1 year, up to the total sum insured

●      Covers expenses arising from flight delays or cancellations

●      Covers expenses incurred towards repatriation

●      Provides coverage against damages caused by your actions to property belonging to others

●      Protects against loss of baggage or expenditure arising due to certain medical procedures, accidents, etc.

Benefits of Bharat Bhraman Domestic Travel Insurance

Travelling can help create lasting memories or offer valuable life lessons. With domestic travel insurance, you can make sure that you have only great stories to tell. Read more to know about the benefits of buying domestic travel insurance.

Covers All Travels for a Year

The Bharat Bhraman Policy from Bajaj General Insurance will cover all your leisure and business trips you make within India for a year. For instance, if you buy a multi-trip cover for yourself on 27th October, 2025, you can get insurance coverage for all your domestic travel up to 26th October, 2026, as per the policy terms.

Extensive Coverage

A Bajaj domestic travel insurance plan covers various types of travel-related risks, including accidental medical expenses, evacuation, third-party losses, trip cancellations, delayed or lost baggage, and more.

Huge Network Throughout India

Bajaj General Insurance is one of the oldest insurance companies in India, with a network of over 18,400 cashless hospitals across India. This increases your chances of getting faster emergency help anywhere in the country.

Instant Purchase

Bajaj has a well-optimised user interface that makes it easy for you to buy a domestic insurance policy without having to waste more than a few minutes. Just enter a few details, choose your coverage plan, and pay to buy domestic holiday insurance.

Affordable Prices

Bajaj General Insurance provides comprehensive annual travel coverage at highly affordable rates, ensuring valuable protection without straining your budget.

Flexible Price and Coverage Options

You can insure multiple trips for a certain period of time or just insure one trip, based on your preference. Moreover, you can also buy add-on coverages to enhance and personalise your domestic travel insurance plan as per your needs at an affordable premium.

Things to Remember While Travelling in India

India is one of the most versatile places for travelling, whether you are looking for landscapes or culture. However, you can enjoy them peacefully once you protect yourself from various threats. Here are some things you should keep in mind regarding your domestic travel insurance policy while travelling in India.

Choose Comprehensive Coverage

Compare travel insurance plans to find the one that best suits your needs. The Bharat Bhraman Policy offers well-rounded protection, including accidental hospitalisation, trip cancellation, and personal liability coverage.

Get an Adequate Sum Insured Value

Prices in the healthcare sector have risen by 10% to 13% every year. Currently, visiting a hospital for emergency treatment can cost you in lakhs. Getting an adequate sum-insured value will save you from such costs.

Go Through The Policy Details Before Buying

Always go through the policy documents before buying a domestic travel insurance policy. This will give you a clear picture of what is covered and what is not. Make sure to read the Bharat Bhraman policy documents to be sure about the inclusions and exclusions.

Compare Multiple Policies

You can customise your insurance based on the sum insured, number of trips, Add-ons, and more. Do permutations and combinations to find the best insurance policy within your budget.

Prepare for Uncertainties

Always carry your essentials to help you in emergencies. This includes medicines, a first-aid kit, water, and, most importantly, your domestic travel Insurance documents. These will help you overcome challenging situations and help you enjoy the rest of your trip peacefully.

Affordable Protection

The nominal premium can save you from significant expenses during emergencies, leaving you with more funds for future trips. You can set aside your emergency fund for future travel.

Keep Important Documents Safe

Secure your travel tickets and IDs from loss or theft with this policy’s coverage, ensuring peace of mind and a hassle-free travel experience throughout your journey.

With Bajaj General Insurance Company’s Bharat Bhraman Policy, enjoy seamless travel across India, backed by reliable coverage and 24/7 support. Get a quote online and make every trip a safe adventure!

Eligibility Criteria to Buy Bajaj Bharat Bhraman Policy

Here is the list of eligibility criteria for a Bharat Bhraman policy, which is a domestic travel insurance policy from Bajaj General Insurance Company.

1. Must be a resident of India.

2. Must have a PAN number.

3. There are no boundaries on age. Anybody can buy this policy to travel stress-free in India.

Documents Needed to Claim a Domestic Travel Insurance

Buying a Domestic Travel Insurance online is simple. Just keep the following documents ready while purchasing or claiming an insurance policy.

Medical Claims

●      A claim form, duly filled and signed.

●      Original receipt of your transportation method (for example, flight, train, or taxi)

●      Original copy of medical bills, invoices, and receipts.

●      Doctor’s prescription (signed or stamped)

●      Documents for discharge with date and time.

●      First information report in case of accidental injuries.

Baggage Claims

●      Proof of the ownership of the baggage in case of loss or delay in baggage.

●      A common carrier report in case of total loss or damage to your baggage.

Travel-Related Claims

●      A letter from the common carrier stating the reason for the missed connecting flight.

●      Receipt of the hotel stay and proof of payment in case of emergency hotel claims.

●      Original copy of the cancelled tickets in case of trip cancellations.

●      Proof of extended hospital stay to claim the daily hospital allowance.

Death Claims

●      Original copy of the death certificate.

●      Original bills for the transportation cost of the mortal remains of the person to their residential place.

When Do You Need Domestic Travel Insurance?

Even if you plan every step of your trip, things do not always go as planned. Here are the following instances when you might need a domestic travel insurance policy.

Accidental Injuries

If you are involved in an accident in an unfamiliar area, you can arrange an emergency medical evacuation to the nearest hospital by ambulance. The insurance will also cover your hospitalisation expenses and day care procedures & surgeries. The insured’s nominee will get the agreed amount in case of accidental death.

Legal Help

Your domestic travel insurance policy will cover you against any legal liability in case you damage a third party’s property or cause injury to them.

Trip Cancellations

If you need to cancel your trip in advance, your insurer will reimburse you for the cost of the ticket, less the refund amount, and post-cancellation.

Missing Connecting Flights

Missing a connecting flight can cost you additional expenses such as lodging and dining. A domestic travel insurance policy will compensate for such costs.

Theft from Home

This insurance policy will cover damages or stolen items from your home, in case of theft or burglary in your home while you are away.

Delay or Loss of Baggage in Transit

Baggage delays or losses are pretty common in transit. Your insurer will save you from the loss of your baggage if something like that happens to you.

Delay in Flights

If your flight gets delayed beyond a certain number of hours, your insurer will compensate you for your lodging and food expenses.

Bajaj Bharat Bhraman Policy – Key Details

If uncertainties are a part of the picture, no matter where you’re off to, shouldn’t you be consistently prepared as well? The Bharat Bhraman Policy from Bajaj is comprehensively designed with a host of features, so you need not fret about any aspect of your trip. We will make you feel at home, no matter which part of the country you’re travelling to.

Personal Accident Cover

Should you sustain injuries (resulting from accidents or other medical emergencies) during your trip, we will promptly cover all expenses and pay the claim. This could be all the more beneficial if you don’t have an exhaustive medical cover or have one that offers limited coverage.

Permanent Total Disability

God forbid, should there be a serious injury scare resulting in loss of vision, hands, or limbs, we will pay the total sum insured to the nominee/legal representative of the insured.

Child Education Bonus

We will pay an additional 2% of the total sum insured towards the cost of education for each dependent child (up to a maximum of 2 children).

●      The dependent child/children should be enrolled in an accredited educational institution.

●      He/she/they should not exceed 21 years of age.

Travelling across India comes with unique experiences and unexpected risks. The Bajaj Allianz Bharat Bhraman Policy is designed to offer comprehensive protection for all types of domestic travel, ensuring safety and peace of mind wherever you go.

Whether your trip is for business, leisure, or personal reasons, this policy provides financial security against accidents, medical emergencies, trip delays, and loss of belongings. The Bharat Bhraman Policy offers flexible coverage options based on your preferred mode of travel, making it easy to choose the plan that best fits your needs.

You can easily choose from the five tailored plans mentione below:

●       Plan A: Ideal for travellers using app-based cab or taxi services.

●       Plan B: Suitable for frequent intercity or intrastate bus travellers.

●       Plan C: Designed for those who travel by train across the country.

●       Plan D: Best for passengers flying on scheduled domestic airlines.

●       Plan E: Covers trips involving multiple or other modes of transport.

With 24x7 support and seamless claim assistance, the Bajaj Allianz Bharat Bhraman Policy ensures you travel with confidence, protected every step of the way. For quick help, call 1800-209-5858.

How is Domestic Travel Insurance Premium Calculated?

When purchasing a domestic travel insurance plan, it is often noticed that many insurers offer fixed premiums. This is mainly because these policies are generally offered as standalone plans.

Nonetheless, for insurers offering individual policies, the primary process to calculate the premium of domestic trip insurance involves several factors.

So, let us look at the factors that influence the premium price of Bharat Bhraman policy in the next section.

Factors That Help Calculate Domestic Insurance Premium

Your Destination

Risk varies across different states, whether you are visiting a hill station or a city. The domestic travel insurance premium can be higher for places with a higher risk of illness or accidents.

Age

Age is one of the key factors that directly impacts the premium for your domestic travel insurance plan. For instance, the risk of contracting any disease is lower for young travellers so the premium can be less.

Nonetheless, in the case of old travellers, the premium will be high since the chances of them getting sick while travelling are high, and some might also have some pre-existing condition that influences the premium.

Travel Duration

If you are buying domestic travel insurance for a single trip, the price depends on the number of days you are travelling. Travelling for a shorter time period will decrease your premiums.

Your Trip Itinerary

If your trip itinerary is very densely scheduled or involves high-risk activities, your domestic trip insurance premium may increase.

Mode of Transport

Your domestic travel insurance premium depends on your mode of transport to your destination - flight, train, or car.

Insurer

Different insurers may offer different premiums for the same type of coverage based on their risk assessments. You can compare insurers to find the best policy for your trip.

How to Save on Domestic Travel Insurance Premiums?

Before purchasing a domestic travel insurance policy, it is essential to be aware of the ways to save on premiums. So, here are a few ways you can do that:

Customise Your Coverage

You can customise your total sum insured or remove the less important Add-ons to lower your premiums.

Compare Multiple Insurers

Avoid last-minute purchases and compare domestic travel insurance providers based on price, coverage, and reputation to choose a good, affordable policy.

Opt for The Right Type of Insurance

If you are a frequent traveller, choose the “Multi-trip” insurance, which is valid for a specific period of time. Choosing this can be beneficial compared to buying separate insurance for every trip.

Customise Your Itinerary

Avoid high-risk activities during your vacation. This will reduce the risk for you and your insurer, which can help lower your premiums.

Domestic Travel Insurance Vs. International Travel Insurance

Follow the table below to understand the major differences between international and domestic travel insurance policies:

Why Choose The Bharat Bhraman Policy from Bajaj General Insurance Company?

Choosing the Bajaj Bharat Bhraman Policy for your domestic travel insurance ensures a worry-free journey across India. This comprehensive plan covers accidental hospitalisation, emergency medical evacuation, trip cancellations, and more. It provides peace of mind against unforeseen travel interruptions, allowing you to enjoy your travels without stress. Additionally, this annual domestic travel insurance offers benefits like home burglary insurance, delayed baggage coverage, and personal liability protection, ensuring you are covered from all angles. With Bajaj, you get a robust and cheap domestic travel insurance option that prioritises your safety and convenience. With Bajaj General Insurance Company, you get a robust and cheap domestic travel insurance option that prioritises your safety and convenience.

Busting Myths About Domestic Travel Insurance

Myth 1: I Don’t Need Domestic Travel Insurance Because My Travel Time is Small

Emergencies like medical emergencies, flight delay, or cancellation of the scheduled flight, thereby leading you to miss another connecting flight, and loss of check-in baggage don’t depend on the duration of your trip. Investing in a comprehensive Domestic Travel Insurance Policy can be your way out in these times of stress.

Myth 2: These Plans Will Burn a Hole in My Pocket

This probably needs the maximum busting, considering it has been doing the rounds for a long time now. When you opt for a domestic travel insurance plan, you pay a nominal amount for the cover in comparison to what you’d have to pay to manage a medical emergency or loss of baggage out of your own pocket. Thus, the Domestic Travel Insurance Plan will help you save a lot of money in case of an emergency or a travel mishap. And that just means more funds to plan another trip!

Myth 3: Getting a Domestic Travel Insurance Plan is Complicated

Previously, it used to be true that getting a Domestic Travel Insurance plan meant filling out forms, waiting in long lines, and going through a lot of formalities. But not anymore. Insurance companies have now made everything easier by letting you compare, buy, and manage policies all online. You can get covered in just a few clicks, from quick premium calculations to easy payments. Also, it only takes a few seconds to renew your plan when it runs out. So, it has never been easier to protect your trip.