Travel Ace Domestic Insurance

When planning a trip within India, travellers often look for ways to stay protected against unexpected situations such as medical emergencies, delays, or cancellations. These issues not only disrupt plans but can also result in additional expenses. To address these concerns, many prefer to buy travel insurance online for reliable coverage.

Travel Ace Domestic Insurance from Bajaj General Insurance provides extensive protection for domestic journeys. It is designed to assist travellers in handling risks by covering medical emergencies, travel interruptions, and other contingencies that may occur during a trip. With the option to buy travel insurance online quickly and conveniently, this plan ensures confidence and peace of mind while travelling.

By choosing this Domestic Travel Insurance plan, you can focus on enjoying your journey while being prepared for unforeseen events.

What is Travel Ace Domestic Insurance?

Travel Ace Domestic Insurance is a group policy designed for individuals travelling within India. It provides coverage for unforeseen events such as accidents, hospitalisation, trip cancellation, checked-in baggage delay, and more. The policy combines both benefit-based and indemnity-based payouts, meaning that it either compensates you for actual expenses or pays a fixed sum depending on the scenario.

Whether you're travelling for business, leisure, or pilgrimage, this policy ensures that your journey remains uninterrupted, or at the very least, financially protected.

Why Choose Travel Ace Domestic Insurance?

Bajaj General Insurance has curated this policy with the needs of Indian travellers in mind. The goal is not just to compensate losses, but to ensure you and your family have complete support in the face of unexpected situations during travel.

Here are some compelling reasons to choose Travel Ace Domestic Insurance:

1. Extensive coverage for accidents, disabilities, hospitalisation, and more

2. Protection against trip disruptions like cancellations and delays

3. Home burglary cover during your travel

4. Easy claim process with quick turnaround time

5. Hassle-free Travel Insurance Online purchase

6. Customisable add-ons like pandemic cover, sporting activity cover, and pet stay protection

Let’s take a deeper look at what makes Travel Ace Domestic Insurance a must-have for every domestic traveller.

Personal Accident Cover

This is a core feature of the policy. In the unfortunate event of accidental death or permanent disability due to bodily injury within the policy period, the nominee will receive 100% of the sum insured. There’s also a provision for cases of disappearance, where the insured has been missing for over 12 months due to events like sinking or wreckage of a mode of transport.

Permanent total or partial disability is also covered, with payouts based on the percentage of disability as specified in the policy schedule.

Accidental Death & Disability While Travelling via Common Carrier

Suppose the insured suffers an accident while travelling in a registered public transport vehicle such as a bus, train, or flight, and the incident leads to death or permanent total disablement within 12 months. In that case, the entire sum insured will be paid out.

Repatriation of Mortal Remains

In the event of accidental death, the cost of repatriating the mortal remains is covered by the policy. This is a vital support feature for families during moments of grief.

Lifestyle Modification Benefit

If the insured suffers permanent disability, the policy covers expenses required to modify their lifestyle, such as installing medical equipment or mobility assistance tools.

Children's Education Benefit

In case of the insured’s death or permanent total disability, a lump sum amount is paid to support the education of dependent children, ensuring that their future is protected.

Fracture Care Benefit

If the insured sustains fractures due to an accident, Bajaj General Insurance will pay a fixed percentage of the fracture care sum insured.

Emergency Hospitalisation and Ambulance Cover

The policy offers domestic travel insurance coverage for emergency hospitalisation due to accidental injury or sudden illness, provided the hospitalisation lasts at least 24 hours. This includes:

1. Reimbursement of actual medical expenses (indemnity)

2. Coverage for air or road ambulance costs

3. Hospital daily allowance for additional out-of-pocket costs

OPD and Compassionate Visit Benefits

If the insured needs outpatient consultation after an accident, the policy reimburses OPD expenses up to the sum insured. Additionally, in the event of hospitalisation, a compassionate visit by a family member is covered.

Replacement and Rearrangement of Staff

This is an excellent feature for organisations sending employees on work trips. If an employee is unable to continue their job due to injury or sickness for more than 10 days, the costs of staff replacement are covered.

Trip Contingency Benefits

Not all travel mishaps are medical. Travel Ace Domestic Insurance also covers the non-medical aspects that can affect your journey.

Trip Cancellation

Suppose your trip is cancelled due to travel operator issues, named perils like natural calamities, or even for "any reason" as specified in the policy. In that case, Bajaj General Insurance offers reimbursement of prepaid costs.

Trip Delay

Delays due to strikes, weather, or any covered reason trigger a fixed benefit payout to help you manage the inconvenience.

Delay of Checked-in Baggage

If your checked-in baggage is delayed, the policy offers two options:

1. Fixed benefit payout

2. Reimbursement for emergency purchases like clothes or toiletries

Trip Interruption and Missed Connections

Interruption due to family emergencies, political unrest, or natural disasters is covered. If you miss your connecting transport, a fixed compensation is paid to help you continue the journey smoothly.

Trip Extension

If your trip extends beyond its planned schedule due to unforeseen reasons, costs related to accommodation and transportation are covered.

Travel Inconvenience Cover

This includes:

1. Missed event coverage

2. Overbooking compensation

3. Reimbursement for a poor service experience during travel

Miscellaneous Coverages

In addition to medical and travel-related risks, Travel Ace Domestic Insurance also offers protection for personal belongings and legal liabilities.

Loss of Personal Belongings

The policy covers:

1. Loss or damage to portable electronics (with optional laptop damage extension)

2. Checked-in Baggage loss

3. Loss of essential documents or payment cards

Personal Liability and Legal Expenses

If you are held legally liable for property damage or injury to someone else, Bajaj General Insurance will cover the legal compensation. You also receive financial support for pursuing legal claims against third parties.

Alternative Transport and Emergency Stay

If you miss your scheduled transport or are delayed due to an insured peril, the policy reimburses costs for alternative transport or an emergency stay.

Hijack and Extended Pet Stay Cover

If you are detained due to hijacking, a benefit is paid for each 24 hours. You can also opt to cover costs for a pet stay extension in case your return is delayed.

Home Burglary and Fire Cover

While you’re travelling, your home remains vulnerable. This policy ensures that if burglary, theft, or fire damages your home during your absence, you are compensated.

Optional Extensions

To suit your specific travel needs, Travel Ace Domestic Insurance includes optional add-ons like:

1. Pandemic Cover: For unfortunate events related to pandemic death, post-policy inception

2. Adventure Sports Cover: For travellers engaging in activities like rafting or trekking

3. Sporting Activities Cover: Ideal for professionals or amateur athletes travelling for sports events

Exclusions to Note

While the coverage is extensive, specific exclusions apply:

1. Pre-existing illnesses and routine treatments

2. Suicide, self-harm, and intoxication-related claims

3. Travel for medical treatment

4. Unlawful activities and negligent behaviour

5. Travelling to or from restricted countries

6. Claims not reported within the stipulated timelines.

7. Losses from nuclear activities, war, or hazardous sports (unless specifically covered)

A complete list of exclusions is outlined in the policy document, and it is advisable to read it carefully while purchasing.

Buy Travel Insurance Online in Minutes

One of the best things about Travel Ace Domestic Insurance is its convenience. You can now buy travel insurance online through the Bajaj General Insurance website in just a few steps. The digital process is quick, paperless, and secure. Once the policy is issued, you’ll receive an email with your policy document and Certificate of Insurance.

Bajaj General Insurance offers both cashless and reimbursement claim options.

1. For cashless hospitalisation, treatment must be taken at a network hospital, and prior approval is required.

2. For reimbursement, all claim documents must be submitted within 30 days via email (careforyou@bajajgeneral.com).

The turnaround time for settlement is 14 working days after submission of all required documents.

Customer Support & Grievance Redressal

If you have queries or grievances, Bajaj General Insurance offers multiple support channels:

1. Call toll-free at 1800 209 5858

2. WhatsApp “Hi” on +91 7507245858

3. Email at careforyou@bajajgeneral.com

4. Visit the branch locator on their official website.

You can also escalate grievances to the Insurance Ombudsman if you are unsatisfied with the final response.