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    Travel Insurance

    Travel Ace Domestic Insurance

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    Key Features

    The Ultimate Ace in Your Group Travel Pack

    Coverage Highlights

    Unique Propositions
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    • Design your own plan

    A truly modular plan that offers you flexibility to curate coverage suited for you and your family

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    • Wide Sum insured options

    Choose adequate sum insured that suits your budget

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    • Affordable Travel plan for Overseas Travel

    Affordable Travel plan preceding or succeeding overseas travel to travel across India without worries

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    • No restriction on Entry Age

    Opt plans for any age group

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    • Pre-policy Checkup

    No pre policy medical health check up is required

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    • Eligibility for Group Policy

    Group will be formed by minimum 7 members or as per prevailing regulations

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    • 24x7 support

    Enjoy round the clock support to travel worry free

    Key Inclusions

    What's covered?
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    • Personal Accident

    Pays agreed amount in case of Permanent Total & partial Disability, if sustained due to Accidental Bodily Injury.

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    • Fracture Care Benefit

    Pays agreed amount in case of fracture and or dislocations occurred due to unfortunate Accidental Bodily Injury.

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    • Emergency Hospitalisation Expenses For Injury

    Indemnefy medical cost incurred from any admissible accidental injury

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    • Hospital Daily Allowance For Injury (5/7/10/15 days)

    Pays daily Allowance for each continuous and completed period of 24 hours of Hospitalisation

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    • OPD Expenses For Injury

    Indemnify accidental Bodily Injury requiring on Out-Patient department basis.

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    • Replacement & Rearrangement Of Staff

    Indemnify transportation and accommodation expenses for replacing insured with a substitute so as to carry forward their work.

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    • Trip Cancellation

    Indemnify prebooked expenses if trip is completely cancelled before it begins.

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    • Trip Delay

    Provides fixed benefit in case the airline delays Your checked-in baggage.

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    • Delay Of Checked-In Baggage

    Compensate you if the airline loses Your checked in baggage

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    • Loss of passport

    Indemnify cost of replacing Your passport and or Driving License during your Journey

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    • Loss Of Personal Belongings

    Indemnify in case of theft/ robbery of personal belongings like gadgets, documents, cards etc during your trip.

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    • Extended Pet Stay Cover

    Indemnify expenses incurred for extended stay of their pet in a pet house whilst your travel

    Key Exclusions

    What's not covered?
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    • Pre-existing Condition

    Pre-existing Condition(s) and complications

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    • Under Intoxication

    influence of liquor or drugs , alcohol or other intoxicants

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    • Routine Examination

    Any routine physical or other examination, vaccination, vitamins where there is no objective indication of impairment of normal health

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    • Self Inflicted Acts

    Self-injury, illegal activities, hazardous activities and more

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    • Criminal or unlawful act

    The Insured Person’s actual or attempted engagement in any criminal or other unlawful act.

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    • Non-passenger flier

    The Insured Person engaging in air travel unless he flies as a passenger on an Airline.

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    • Non Medical Expenses

    cost of spectacles, contact lenses

    Add-On Covers

    Enhance your coverage with these Add-ons
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    • Sporting Activities Cover

    Indemnify if you engage in any sporting activity for training or participating in professional or semiprofessional sport.

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    • Adventure Sports Cover

    Indemnify if you engage in adventure sports in a non-professional capacity and under the supervision of a trained profession.

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    • Accidental Laptop Damage Cover

    Indemnify for damage to personal Laptop due to any accident whilst travelling in common Carrier or e-commerce cabs.

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    • Pandemic Cover

    Few listed coverage likehospitalisation, ambulance , OPD expenses etc are payable in pandemic as well

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    • 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

    What is Travel Ace Domestic Insurance?

    Travel Ace Domestic Insurance is a group policy designed to provide financial protection to individuals travelling within India. This policy offers coverage for a range of unforeseen events during their trip, helping reduce the financial impact of travel-related emergencies. With multiple travellers covered under one policy, it provides a convenient way to stay financially prepared throughout the trip. 

    You can purchase Travel Ace Domestic Insurance online via the Bajaj General website or app in just a few minutes and travel with greater confidence.

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    Quick Summary

    • 1

      Designed for Groups: The policy brings multiple travellers under one plan, making it a convenient option for families, friends, colleagues and other groups.

    • 2

      Safety Net for Domestic Travel: It is designed to help you stay financially prepared for unexpected situations while travelling within India.

    • 3

      Extensive Coverage: It goes beyond travel-related uncertainties to cover personal liability, medical emergencies, and burglary or theft at your home, among other things

    • 4

      Quick Online Purchase: You can buy the policy digitally through the Bajaj General website or app, making the purchase process quick and easy. 

    • 5

      Flexible Protection Options: You can choose add-ons based on your travel needs, allowing you to strengthen your policy with relevant extensions.

    • 6

      Easy Claim Process: You can raise eligible claims through the cashless or reimbursement process. 

    Read More

    Key Features of Travel Ace Domestic Insurance

    Before purchasing, you must know what Travel Ace Domestic trip insurance policy covers in detail. Here is a detailed view of the core features you get with it:

    1

    Personal Accident Cover

    Your nominee receives 100% of the sum insured in case of accidental death, while disappearance following a wreck is treated as death after 12 months.

    2

    Emergency Hospitalisation and Ambulance Cover

    You get coverage for hospitalisation of at least 24 hours after an injury. Similarly, ambulance costs are covered depending on what you have opted for.

    3

    Family Support Benefits

    The policy extends financial support for your children’s education in case you suffer accidental death or permanent total disability.

    4

    Loss of Personal Belongings

    Portable equipment, checked-in baggage, documents, payment cards, etc. are covered. However, jewellery and valuables generally need a specific mention in your schedule.

    6

    Personal Liability and Legal Expenses

    If you become legally liable for damage to a third party’s property, this cover helps pay the associated costs. It also covers prosecution costs incurred while claiming damages from a third party.

    Home Burglary Cover

    Our policy covers loss or damage caused by burglary or theft at your home. This feature helps protect you financially against unexpected incidents involving your household belongings.

    Why Choose Bajaj General Insurance for Travel Ace Domestic Insurance?

    Now that you have understood the features of Travel Ace Domestic Insurance, you must also know why your insurer matters. Here is a detailed view of what you get from us:

    • 1. Cashless Medical Assistance

      With Bajaj General Insurance, you get cashless treatment subject to pre-authorisation. Hence, you do not have to arrange funds upfront during an emergency.

    • 2. Fast Claim Settlement

      At Bajaj General Insurance, claim processing is quick. Plus, we allow you to submit most of your documents online. Once your complete set of documents reaches us, we settle the claim within few days as per the policy terms.

    • 3. 24/7 Customer Service

      You get round-the-clock support if something goes wrong during your journey. A single call on 1800 209 5858 connects you with our customer support team.

    • 4. Two Decades of Experience

      Bajaj General Insurance is trusted by 17 crore+ customers across India with diverse insurance needs. Our [ICRA]AAA rating reflects our strong financial strength and stability.

    Travel Ace Domestic Insurance Add-Ons for Enhanced Coverage

    You can enhance your Travel Ace Domestic Insurance policy with optional add-ons. Choose the extensions that suit your needs and get broader protection against unexpected travel-related expenses. 
    1
     Adventure Sports Cover: Protects you during activities such as trekking and rafting
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    Sporting Activities Cover: Covers injuries you sustain while participating in sporting events
    3
    Accidental Laptop Damage Cover: Indemnifies laptop damage in a common carrier or cab
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    Sickness Cover Extension: Extends hospitalisation, daily allowance and OPD benefits to sudden illness.
     

    Things Not Covered Under Travel Ace Domestic Insurance

    Most insurers generally declare the situations that they do not cover under a travel policy. Carefully go through our policy wordings and understand these exclusions to avoid last-minute surprises:
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    Pre-existing ailments, routine health checks, dental examinations, etc.
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    Pre-existing ailments, routine health checks, dental examinations, etc.
    3
    Suicide, self-inflicted injuries and substance abuse
    4
    Criminal acts and needless self-exposure to peril
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    Riding a two-wheeler without a valid driving licence or a helmet
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    Adventure or sporting activities, unless you opt for that cover
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    War and nuclear risks
     

    Trip Contingency Benefits Under Travel Ace Domestic Insurance

    Travel disruptions can be just as financially stressful as medical emergencies. Our domestic holiday insurance provides coverage for eligible non-medical contingencies as well, so that you can manage unexpected costs when your journey does not go as planned.

    1

    Trip Cancellation

    You get reimbursement for prepaid, non-refundable expenses if the operator cancels the trip or you cancel it due to a covered named peril.

    2

    Trip Delay

    A fixed benefit is paid per trip when your departure is delayed, either for named perils or any covered reason.

    3

    Delay of Checked-in Baggage

    If your checked-in baggage is delayed, you can choose a fixed payout or get reimbursement for essential purchases such as toiletries, medication and other necessities.

    4

    Trip Interruption and Missed Connections

    Interruptions caused by serious injury, natural disasters, political unrest, etc. are covered. Missed connections generally get a separate fixed benefit.

    5

    Trip Extension

    You get coverage for accommodation and transport costs when your trip runs beyond its original schedule for a listed reason

    6

    Travel Inconvenience Cover

    This cover pays if you miss an event you booked or if an operator overbooks and leaves you stranded midway.

    Why Insure Your Travel with Bajaj General?

    Buy Now
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    Flight Delayed?

    Worry not! Your additional expenses are covered

    Fast Claim Settlement

    Streamlined & prompt claim processing with options for paperless claim
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    Emergency Fund Access

    Get instant financial help when you need it the most 

    24 x 7 Global Assistance

    Round the clock support for medical emergencies & travel disruptions

    Step-by-Step Guide

    To make sure that we are always listening to our customers

    How to Buy

    • 1

      Download the Bajaj General 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

    Buy Now

    How to Extend

    • 1

      Please reach out to us for policy extensions

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      Phone +91 020 66026666

    • 3

      Fax +91 020 66026667

    Extend Now

    Cashless Claim

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      Applicable for overseas hospitalization expenses exceeding USD 500

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      Submit documents online for verification.

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      Upon verification Payment Guarantee to be released to the hospital

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      Please complete necessary formalities by providing missing information

    Claim Now

    Reimbursement

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      On complete documentation receipt, reimbursement takes approx. 10 days

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      Submit original copies (paid receipts only) at BGIL HAT

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      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

    Claim Now

    Download Policy Document

    Find important documents related to Travel Ace Domestic Insurance here. These include the customer information sheet, policy wordings, proposal form and more.

    brochure

    Brochure
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    Policy Wordings
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    Proposal Form
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    Claims Form
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    Customer Info Sheet
    Download

    How to Make a Claim for Your Bajaj General Travel Ace Domestic Insurance?

    As you buy Travel Ace Domestic Insurance, you must know how to claim it during an emergency. You can make a cashless claim or a reimbursement claim. Here is a detailed view:

    Cashless Claim

    1
    Get in touch with us before treatment and request pre-authorisation using the written form.
    2
    Note that you get cashless treatment only at our network hospitals.
    3
    We will review your medical expenses and the coverage under your policy.
    4
    After approval, we issue an authorisation letter to you or the network hospital.
    5
    Avail treatment in a network hospital and your deductible applies as per the schedule.

    Reimbursement Claim

    1
    Get treated in a hospital and make the necessary payments yourself.
    2
    Collect the original bills, prescriptions, discharge summary and other documents.
    3
    Submit a written claim with these documents within 30 days of the loss.
    4
    Email them to travel@bajajgeneral.co.in so that we may start processing sooner.
    5
    Once the review is complete, you will receive your claim amount within 14 working days.
     

    Customer Support & Grievance Redressal

    For any query about your policy, a claim update or a grievance, you may get in touch with us through the following touchpoints:
    1
    Call our toll-free helpline on 1800 209 5858 or on 020-30305858.
    2
    Say "Hi" on WhatsApp to +91 7507245858
    3
    Write to us at careforyou@bajajgeneral.com. Senior citizens may write to seniorcitizen@bajajgeneral.co.in. 
    4
    Visit your nearest branch using the branch locator available on our website.
    5
    If your concern remains unresolved after our initial response, write to our Grievance Redressal Officer at ggro@bajajgeneral.co.in. 
    6
    If your grievance still remains unresolved, give a missed call on +91 8080945060 or send an SMS to 575758 and our care specialist will call you back.
     

    FAQ's

    What is Travel Ace Domestic Insurance?

    Travel Ace Domestic Insurance is a group policy that protects travellers within India against medical emergencies, accidents, trip delays and baggage loss.

    Who is eligible to buy Travel Ace Domestic Insurance?

    Any Indian resident planning a domestic trip across India may purchase this policy. This includes individuals, families and groups travelling anywhere in the country.

    Why should I choose Travel Ace Domestic Insurance for my trips within India?

    Travel Ace Domestic Insurance provides extensive domestic travel protection with medical, trip and baggage covers. Hence, you get a stress-free journey anywhere in India.

    Is there any age limit for purchasing the Travel Ace Domestic Insurance policy?

    Yes, this policy applies to children, adults and senior citizens. However, the specific age limits are mentioned in your policy schedule.

    Does the policy cover all states and union territories in India?

    Yes, coverage extends across all Indian states and union territories, including remote locations. Hence, you get nationwide protection wherever your journey takes you.

    Can I buy the policy for my family members travelling with me?

    Yes, you may buy family coverage under a single Travel Ace policy. This generally includes your spouse, children and dependent parents.

    When should I purchase Travel Ace Domestic Insurance before my trip?

    Buy travel insurance immediately after booking your trip. Doing so covers you for cancellations, delays and emergencies from the start of the journey.

    What types of trips are covered under Travel Ace Domestic Insurance?

    Single trips, corporate travel, group journeys and multi-trip plans are covered. Hence, Travel Ace Domestic Insurance offers flexibility for frequent domestic travellers

    Can I customise my policy coverage based on my travel needs?

    Yes, you may customise your protection as per your travel requirements. For example, add-ons such as adventure sports, pet stay and sickness cover are available with this policy.

    Does the policy cover medical emergencies during travel?

    Yes, it covers hospitalisation, OPD expenses, ambulance costs and cashless medical treatment across network hospitals in India.

    Are accidental injuries covered under Travel Ace Domestic Insurance?

    Yes, compensation is provided for accidental death, partial or total disability, fractures and repatriation of mortal remains.

    Does the policy provide compensation for trip delays or cancellations?

    Yes, compensation is offered for covered delays, cancellations or interruptions. Hence, a disruption to your journey causes minimal financial stress during travel.

    Are personal belongings and baggage covered under this policy?

    Yes, baggage loss, travel documents and portable equipment are covered under this policy. Hence, you get protection against common travel inconveniences.

    Does the policy cover adventure sports or high-risk activities within India?

    Adventure sports coverage is available as an add-on with Travel Ace Domestic Insurance. Without it, high-risk activities generally remain excluded under the standard coverage.

    Is there a limit to the number of trips I can take under a single policy?

    It depends on the plan you choose. A single-trip policy covers one journey, while an annual multi-trip policy allows multiple domestic journeys during the policy period.

    How can I file a claim under Travel Ace Domestic Insurance?

    You may file a claim online through our website, the Bajaj General mobile app or using our toll-free helpline service.

    What documents are required to file a domestic travel insurance claim?

    Insurers generally ask for a common set of documents when you make a claim. You must produce a claim form, tickets, identity proof, hospital bills, police reports and other supporting records as applicable.

    How long does it take to settle a claim?

    At Bajaj General Insurance, claims are generally settled within 14 working days. However, this applies where all the required documents are correctly submitted on time.

    Can I get cashless medical treatment during my trip?

    Yes, cashless treatment is available across our network hospitals, subject to pre-authorisation approval from our team, at Bajaj General Insurance.

    What should I do if my baggage is lost during travel?

    Report the baggage loss to the transport authorities immediately and obtain a Property Irregularity Report from them. Submit this report along with your claim.

    Is there a time limit for submitting a claim after the trip ends?

    Yes, claims should reach us within 30 days of the incident or the completion of your trip. Hence, timely submission helps in the processing of your claim.

    What happens if my claim is rejected? Can I appeal the decision?

    Yes, you may appeal against the decision. Escalate it through the Bajaj General grievance redressal channels or approach the Insurance Ombudsman.

    Can I renew my Travel Ace Domestic Insurance policy online?

    Most insurers let you renew a travel policy online. At Bajaj General Insurance, renewal can be completed quickly through our official website or mobile app.

    Is there a grace period for policy renewal?

    Yes, a short grace period generally exists. However, renewing before expiry ensures uninterrupted coverage and policy continuity.

    Can I extend the policy if my trip is prolonged?

    Yes, extensions are available for unforeseen delays. The additional accommodation or transport expenses are covered as applicable under the policy terms.

    Do I get any benefits for renewing without making a claim?

    Yes, a claim-free renewal may provide loyalty benefits and continued discounts. However, these depend on our policy terms.

    Will my premium change if I renew with the same coverage?

    Your premium may vary even when the coverage stays the same. This is because insurers generally review age, travel history, chosen add-ons, updated underwriting guidelines, etc.

    Can I modify my coverage options at the time of renewal?

    Yes, you may add or remove covers, shift to a multi-trip plan or adjust your benefits at renewal.

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