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    Travel Insurance

    Travel Ace International Insurance

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    Key Features

    The Real Ace in your Travel Pack

    Coverage Highlights

    Comprehensive travel protection under a single plan
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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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    • Pre- Existing (PEDs) covered

    Medical expenses upto USD 3000 for emergeny medical care of pre existing diseases

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    • Truly Cashless

    Worldwide cashless hospitalisation

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    • Ease of buying

    No medical health check up required to purchase the policy

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    • Discounts

    Upto 10% discount depending upon the number of people travelling

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    • 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

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    • 24x7 support

    Enjoy round the clock support to travel worryfree

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    • Direct Discount

    Enjoy 5% direct discount by purchasing online

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    • From reimbursements to fixed payouts

    Some coverages reimburse actual expenses while others provide a pre-fixed amount

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    • 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

    Key Inclusions

    What's covered?
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    • Personal Accident Cover

    Pays agreed amount in case of Death, Permanent Total & Partial Disability, while travelling overseas and also within India prior/post 24 hours of international travel, if opted

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    • Medical Treatment & Evacuation Expenses Cover

    Indemnifies for medical expenses for any illness, disease or injury that happens while you're travelling abroad and evacuation to India. Pre Existing Illness/ injuries can be opted to be covered

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    • Hospitalization Daily Allowance

    Pays agreed per day compensation in case of hospitalisation abroad

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    • Trip Cancellation, Interruption & Extension

    Indemnifies for loss incurred by you towards accommodation, travel & event tickets if trip is cancelled or interrupted mid-journey or extended under pre-defined circumstances

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    • Return of Minor Child

    Pays travel expense incurred to return your child/ children to India in case your are hospitalized abroad

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    • Missed Connection

    Reimburses you in case you miss a connecting flight

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    • Ticket Overbooking

    Compensation for denied boarding caused by overbooking, ensuring you are reimbursed for the inconvenience

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    • Loss and Delay of Checked-in Baggage

    Pays compensation if the airline delays or misplaces your checked-in-baggage

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    • Loss of Passport and Driving License

    Covers cost of replacing your passport / driving licensein case if they are lost during the journey

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    • Loss of Personal Belonging

    Pays for loss or damage to personal belongings including mobile, laptop, camera etc. due to theft, larceny, robbery or hold up at international airport

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    • Bounced Hotel

    Indemnfies you for a superior room /alterante hotel booking in case you dont get your pre booked stay

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    • Sporting Activities Cover

    Provides coverage for accidents or injuries that occur while participating in professional or semi-professional sports or adventure activities during travel

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    • Note

    Please read the policy wordings for detailed inclusions

    Key Exclusions

    What's not covered?
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    • Pre-existing Condition

    Any disability or injury arising from a medical condition that existed before purchasing the policy, if not opted, is generally excluded

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    • Intoxication

    Accidents occurring while under the influence of alcohol or drugs are excluded from coverage

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    • Routine Examination

    It doesn't cover routine check-ups, vaccinations, or vitamins if you're generally healthy

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    • Self-Inflicted Injuries

    Injuries resulting from intentional harm or attempted suicide are not covered

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    • Criminal or unlawful act

    Actual or attempted engagement in any criminal or other unlawful act

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    • War and Related Perils

    Losses due to war, rebellion, or terrorism are not covered

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    • Cosmetic and Weight Loss Treatments

    No reimbursement for cosmetic surgery or weight reduction programs while travelling abroad

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    • Adventure Sports

    Injuries from adventure sports are excluded unless the benefit is opted for

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    • Deductible & Co- Pays

    Part of the claim will have to be borne by you if you have Deductible or Copay

    Additional Coverage

    What else can your get?
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    • Trip Delay Delight

    Pays an agreed amount in case the flight gets delayed beyong the defined period

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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

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    • Extended Pet Stay

    Covers expenses for your pet’s extended stay at a boarding facility due to unforeseen travel delays

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    • Weather Guarantees

    Offers compensation for costs due to trip disruptions caused by extreme weather conditions

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    • Note

    Please read policy wordings for detailed coverage

    What is Travel Ace Plan?

    The Bajaj General Travel Ace International plan is a flexible travel insurance policy for safe journey outside India. It offers comprehensive coverage during any unexpected incidents. This type of travel plan provides coverage for necessary medical expenses faced abroad, such as accidental injury and other kinds of medical emergencies.

    It also offers coverage for other emergency incidents, such as ticket overbooking, loss or delay of baggage, and more. By securing this coverage before your journey abroad, you will be able to ensure financial protection. This will allow you to travel confidently, knowing that any unexpected setbacks would not hinder your travel fun.

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    Quick Overview

    • 1

      Trip Cancellation Coverage: An International travel insurance plan provides coverage for a trip cancellation due to any unforeseen circumstances.

    • 2

      Personal Liability Coverage: Personal liability coverage provides compensation for unpredictable circumstances such as accidents and injuries.

    • 3

      Visa Mandate: Getting travel insurance is mandatory in some countries, such as the UAE, Schengen countries, etc. for getting a visa.

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      Claims Process: The reimbursement process of the Travel Ace International policy takes approximately 10 days.

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      Premium Calculator Tool: This tool helps you get an idea of the premiums which you have to pay for your policy according to the destination.

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      Claim Documents: Claim documents such as the policy agreement form, diagnosis and reports are necessary to submit.

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      Daily Allowance Benefit: An international travel insurance policy grants policyholders a daily encashment benefit for hospitalisation.

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      Trip Delay Coverage: If a trip gets delayed due to any unpredictable circumstances and leads to financial loss for you, travel insurance pays compensation.

    Read More

    Why Choose a Travel Ace Plan?

    Here are a few things you need to consider when getting an international travel insurance plan:

    What are the Features of Travel Ace International Insurance Policy?

    These are a few Travel Ace policy features which you need to look out for when going for an international travel insurance policy:

    What are the Benefits of Buying a Travel Ace International Insurance Plan?

    An international travel insurance plan grants a lot of benefits. Here are a few things you need to know about:

    How is the Travel Ace Plan different?

    • 1

      Cover Pre-Existing Diseases: One of the very few travel insurance policies which cover pre-existing diseases and illnesses.

    • 2

      75 Days Cover for Hospitalisation: No additional charges for up to 75 days of hospitalisation after the policy expires.

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      Covers Delayed Luggage: Delayed of checked baggage are also covered while returning to your native country.

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      Optional Coverage Areas: It provides coverage for over 42 areas and has 5 available extensions without geographic limitations. 

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    What is Reimbursement Claim Process of Travel Ace?

    Here is an overview of the reimbursement Travel Ace claim process:

    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.
     

    Documentation for Claims for Travel Ace

    Medical Emergency

    Luggage Loss

    Luggage Delay

    Trip Cancellation/Missed Connection

    Hijack Claim

    Lost Passport

    Accidental Death

    Study Interruption

    Policy Agreement

    Claim Form

    Claim Form

    Claim Form

    Claim Form

    Photocopy of the Old and New Passport

    Claim Form

    Doctor-Attested Medical Reports

    Diagnosis Reports

    Luggage Tag Copies

    Luggage Tag Copies

    Airlines' Confirmation Detailing the Scheduled Arrival and Departure

    Detailed Account of the Hijack Event

    Original Invoices for Expenses Incurred Towards the New Passport

    Photocopy of Coroner's Report, FIR, and Post-Mortem Report

    Paid University Fees Invoices

    Proof of Location for the Incident

    Airline Authorities' Letter Affirming the Loss

    Airline Authorities' Letter Affirming the Delay

    Airlines' Letter Confirming the Delay

    Airline Letters
    Confirming the Incident

    Photocopy of the FIR/Police Report

     

     

    Attending Physician's Statement

    Property Irregularity Report

    Purchase Invoices from the Delay Period

    Statement Detailing the Reason and Proof for the Delay

    Ticket & Boarding Pass Photocopies

    Claim Form

     

     

    Claim Form

     

     

    Original Tickets, Invoices Towards Expenses Occurred Due to Cancellation, and Proof of Cancellation Charges Levied

     

     

     

     

     

    Why Choose Bajaj General Insurance Limited for a Travel Insurance Plan?

    Here are a few reasons which make it advantageous to get a travel insurance plan from Bajaj General:

    Things to check while Buying a Travel Insurance Plan?

    • 1

      Travel Insurance Cost: It is important to understand the difference between a cheap international travel insurance policy and an effective one. 

    • 2

      Plan Flexibility: The travel insurance plan should be flexible enough to accommodate add-ons, change tenure, etc. 

    • 3

      Unique Requirements: Purchasing an international travel insurance policy is easy when you have a clear mindset of your requirements. 

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      Customer Reviews: The insurer you choose should have plenty of positive customer reviews, as that indicates credibility. 

    • 5

      Destinations Covered: Before you get travel insurance online, look at whether your choice of destination is covered in the policy.

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      Pre-Existing Condition: Read policy wordings carefully concerning coverage of pre-existing conditions regarding health concerns.

    Read More

    How to Find the Premium for your Travel Insurance Plan?

    Follow these to find a premium for your travel insurance plan:

    1
    Head over to the Travel Insurance Premium Calculator tool.
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    Enter your active name, phone number, and email address.
    3
    You will get a tentative quote for your plan premium.
     

    Step-by-Step Guide

    How To Buy, Claim and Renew Bajaj Travel Insurance?

    How to Buy

    • 1

      Download the Bajaj General Mobile App and use your login credentials

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      Select the travel insurance option by providing necessary details

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      Allow the application to process your information & get quotes

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      Choose the plan aligning with your travel itinerary & include add-ons

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      Finalise the plan selection and complete the payment process

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      Insurance policy & receipt will be promptly delivered to your email ID

    How to Extend

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      Please reach out to us for policy extensions

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      Phone +91 020 66026666

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      Fax +91 020 66026667

    Cashless Claim

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      Applicable for overseas hospitalization expenses exceeding $ 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

    Reimbursement

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      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

    Download Policy Document

    Get instant access to your policy details with a single click.

    What is the Travel Ace International Insurance Terms You Need to Know About?

    • 1

      Deductible: It is a cost-sharing requirement in a travel insurance policy. It does not reduce the sum insured. 

    • 2

      Intensive Care Unit: This unit refers to an identified section in a medical facility which remains under the constant supervision of medical practitioners.

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      OPD Treatment: It refers to the outpatient department and is a consultation room for diagnosis and treatment based on the advice of a medical practitioner.

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      Surgery: A surgical procedure refers to a manual or operative procedure required for the treatment of an illness or injury, correction of deformities, etc. 

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      Claim: This remains under the operative part of the policy in respect of any insured circumstance or event.

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      Country of Residence: It refers to the country where the insured currently resides and is declared as the Residential address of the insured in the policy schedule. 

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      Country of Residence: It refers to the country where the insured currently resides and is declared as the Residential address of the insured in the policy schedule. 

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      Damages: This refers to monetary sums which are payable as per the policy inclusions extent. 

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      Daily Allowance: It means the amount and period as specified in the policy schedule of the plan which you have selected. 

    Read More

    FAQ's

    What is the sub-limit clause under the Travel Ace International Plan?

    Under the Travel Ace plan, sub-limits apply to individuals over 50 who require OPD or hospitalisation. These include a daily limit of USD 1,700 for hospital rooms, emergency rooms, boarding, and hospitalisation and USD 2,500 for ICU care. Surgical treatment is covered up to USD 11,500, with anaesthetic services reimbursed at 25% of the surgical cost.

    What is the Compassionate Visit benefit under the Travel Ace Plan?

    The Compassionate Visit benefit under the Travel Ace Plan covers the cost of an economy-class ticket for a family member, friend, or relative to travel to your location if you are hospitalised due to an accidental injury or sickness. This applies when no one is available to attend to your medical emergency during your overseas visit. 

    What is the provision for the delay in checked baggage under the Travel Program?

    This coverage compensates for delays in receiving your checked baggage when travelling to India. To claim, you must obtain a written non-delivery confirmation from the airline stating the delay period. If multiple claims arise during your trip, the total compensation is limited to the sum insured under this section.

    What is the replacement of staff coverage under the Travel Ace Plan?

    The Travel Ace Plan provides coverage for the transportation and accommodation costs of a substitute to carry out your duties if you are unable to work for over 10 days due to specific situations like accidental injury, illness requiring hospitalisation, disability, death of a close family member, compulsory quarantine, or legal obligations in India.

    What is the Trip Interruption coverage under the Travel Ace Plan?

    The Trip Interruption cover under the Travel Ace Plan compensates for non-refundable expenses if you need to change your travel plans. This includes costs like accommodation cancellations, event or tour cancellations, early flight charges, and en-route accommodation extensions. The coverage applies if your trip is interrupted due to situations.

    What is the Trip Interruption coverage under the Travel Ace Plan?

    The Trip Interruption cover under the Travel Ace Plan compensates for non-refundable expenses if you need to change your travel plans. This includes costs like accommodation cancellations, event or tour cancellations, early flight charges, and en-route accommodation extensions. The coverage applies if your trip is interrupted due to a serious illness.

    What is the Loss of Checked-In Baggage cover under the Travel Ace Plan?

    The Loss of Checked-In Baggage cover compensates you if the airline loses your checked-in baggage. It provides the sum insured, as specified in the Policy Schedule, for the complete and permanent loss of your baggage, including its contents. To file a claim, you must obtain a Property Irregularity Report (PIR) from the airline. 

    Which travel policy is better—individual or family floater?

    When travelling alone, individual travel plan can be a suitable policy. On the other hand, if you are travelling with your famiy then you may opt in for family floater policy.

    Will I be able to issue more than one policy for the same trip?

    No, you can opt one policy for the single journey. Please check with your insurance company for more details.

    What’s the minimum and maximum age for buying a travel insurance for students

    Students can buy a travel insurance policy between the age of 16-35 years as per the policy terms.

    What if I want to cancel my travel insurance policy?

    You can opt to cancel your plan before or after the policy starts, as outlined in the policy terms. Please note that cancellation rules may vary based on your coverage.

    How do I make a claim on my travel insurance policy?

    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.

    What documents would I need to process my domestic travel insurance 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.

    What is the claim settlement process under the corporate travel insurance

    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.

    Can I renew my travel insurance policy?

    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.

    How can I extend my travel insurance plan?

    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.

    What happens if my travel insurance expires?

    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 trip.

    What is the validity period of travel insurance?

    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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    What Customer Say About Bajaj General Insurance

    Stress-Free Journeys

    Bajaj General travel insurance ensures my parents travel stress-free with great medical & trip coverage!

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    Rakesh Agarwal

    Chennai

    5

    31st Jan 2025

    Great coverage option

    Hassle-free international travel coverage for senior citizens—must-have for every trip!

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    Debraj Sardar

    Pune

    5

    31st Jan 2025

    Great coverage option

    Travel worry-free! This insurance covers trip cancellations, baggage loss & medical needs.

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    Waskoti Gamma

    Mumbai

    5

    31st May 2025

    Good customer support

    Easy purchase & excellent customer support for senior citizen travel insurance.Highly recommend!

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    Sumedh Sam

    Pune

    5

    31st May 2025

    Great coverage option

    Great coverage for medical emergencies & flight delays—essential for elderly travelers.

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    Sachin Kumar

    Ahmedabad

    5

    31st Jan 2025

    Great Senior citizen coverage

    My senior parents had a smooth experience abroad, thanks to Bajaj General travel insurance!

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    Shivani Singh

    Paromik Bhattacharyy

    5

    31st Jan 2025

    Best student travel insurance

    Bajaj General makes travel insurance stress-free—best for students!

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    Pappu Kumar Singh

    Delhi

    5

    29th Jan 2025

    Great coverage option

    Smart functionalities such as travel alerts & policy tracking. An absolute must-have!

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    Daniel Paul

    Surat

    5

    29th Jan 2025