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    Travel Insurance

    Travel Insurance Claims Process

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    Premium Starting ₹ 13/day*

    Secure with travel insurance, embrace the adventure

    Coverage Highlights

    Get comprehensive coverage for your travel
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    • Protection for Every Journey

    Suitable for different types of travel, within India (Domestic) and worldwide (International) - Business, Leisure, Sports, Student, Group and more

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    • Comprehensive Coverage

    Protects against a wide range of potential travel issues, including trip cancellations, delays, lost luggage, medical emergencies, and more

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    • Customizable Plans

    Offers a variety of coverage options and add-ons to tailor the insurance policy to your specific needs and travel plans

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    • Ease of Buying

    No medical health check-up required to purchase the policy

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    • Extended Stay Abroad

    Extending your travel insurance coverage is both possible and hassle-free. Whether you prefer the convenience of online or the personalized assistance of offline methods, we've got you covered. Simply reach out to us online or through our agents to explore your options and ensure continuous protection throughout your travels.

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    • Note

    *Premium starts at ₹ 201 for 15 days which is about ₹ 13 per day

    Inclusions

    What’s covered?
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    • Personal Accident Cover

    Pays agreed amount in case of death, permanent total & partial disability, while travelling

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    • Trip Cancellation, Interruption & Extension

    Travel plans may unexpectedly change due to various reasons such as illness, natural disasters, or unforeseen events. Trip cancellation coverage reimburses you for non-refundable expenses if you need to cancel your trip before departure. Similarly, trip interruption coverage provides reimbursement for unused, non-refundable trip costs if your journey is cut short.

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    • Medical Treatment & Evacuation Expenses Cover

    Ensures that you’re financially protected in case of medical emergencies during your trip. It typically includes coverage for hospitalization, emergency medical care, dental treatment and evacuation to India. Pre-existing illnesses/injuries can be opted to be covered

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    • Missed Connection

    Reimburses you in case you miss a connecting flight

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    • Loss and Delay of Checked-in Baggage

    Losing your luggage or valuables can be a significant inconvenience during a trip. Hence, this cover pays for complete and permanent loss or destruction of the Insured's Checked in Baggage.

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    • Loss of Personal Belonging

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

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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, if opted

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    • Travel Delay and Missed Connections

    Travel delays and missed connections can disrupt your itinerary. Travel insurance typically offers coverage for additional expenses incurred due to unexpected delays, such as accommodation, meals, and transportation. Review the policy to understand the time thresholds and the documentation required for making a claim.

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    • Many More Covers

    Additional coverage options are also available

    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 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

    The insurance 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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    • Non-passenger Flyer

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

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    • War and Related Perils

    Injuries or death resulting from war, civil unrest, or acts of terrorism are typically excluded

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    • Note

    Please read policy wording for detailed exclusions

    Additional Covers

    What else can you get?
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    • Trip Delay Delight

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

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    • Track-a-Baggage

    Opting this service helps you keep track of your check-in 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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    • Pet Stay

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

    What is Travel Insurance Claim Process?

    Are you planning to travel with your family on a long vacation? Before going on a family trip, you must prepare emergency coverage. Travel insurance covers you against any unfortunate and unforeseen event while you are travelling or on vacation to an international destination.

     

    The travel insurance claim process is the easiest and simplest step-by-step procedure to request cashless medical assistance or financial reimbursement from your insurance company. You can file a travel insurance claim to get coverage for lost or delayed checked-in baggage, flight delays, or medical emergencies.

     

    So, learn how to claim your travel insurance while you are travelling with your loved ones on an international trip.

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    Quick Overview

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      Immediate Protection: Bajaj General Insurance offers financial protection against travel-related medical emergencies and travel-related issues while travelling on an international trip.

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      Coverage to Claim: Policyholders can receive coverage against flight delay, cancellation, checked baggage loss, trip delay, emergency medical risk, accidental injuries, and stolen or lost passport.

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      Cashless Claim: You will get a cashless claim. The hospital gets a GOP payment guarantee letter within 2 working days after cashless claim approval.

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      Reimbursement Claims: Applicants must inform BG insurer about the incident or medical emergency within 24 hours to claim travel insurance reimbursement abroad.

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      24x7 Assistance: You can call the toll-free 24x7 helpline number while travelling abroad to get assistance with the travel insurance claim process and to find network hospitals in a foreign country.

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      Claim Documents: You must submit a travel insurance claim form with mandatory documents such as bank details, travel proof, hospital bills, police reports, original tickets, baggage tags, and more.

    Read More

    How Does Cashless Travel Insurance Claim with Bajaj General Insurance Work?

    If you are facing a medical emergency while travelling to an international destination, it is stressful. The cashless claim process from Bajaj General Insurance helps you with financial assistance.
    First, you must submit all necessary documents.
    The travel insurance claim settlement team verifies the submitted documents against the plan coverage to help you without delay.
    Bajaj General Insurance sends a payment guarantee letter to the medical service provider within a few working days once the claim is approved.
    They directly settle the medical bills with the hospital.
    For more information, Bajaj General Insurance sends a query letter to both the hospital and the travel insurance claim applicant.
    In response to the requested details, they complete the due diligence and issue the payment guarantee within the next few working days.
    If the travel insurance claim is rejected, our team sends a formal denial letter to the policyholder so they can stay informed.
    If you make the payment yourself, you are absolutely allowed to file for a travel insurance claim reimbursement. We offer a missed call facility number to register your online travel insurance claim.

    How Does Travel Insurance Reimbursement Claim with Bajaj General Insurance Work?

    Are you ready to file a travel insurance claim to reimburse your hospital expenses? The reimbursement travel insurance claim process is efficient and clearly structured for Bajaj General Insurance.

    Understand how to claim travel insurance reimbursement below:

    Collect all hospital documents, including payment receipts and doctor prescriptions, and submit all of them to the BGIL HAT team.
    We will verify the documents and process claim approval.
    After approving the travel insurance claim, Bajaj General Insurance transfers the requested funds via NEFT to the policyholder’s bank account directly within a few working days.
    For more information, Bajaj General Insurance notifies policyholders immediately and sends reminders.
    Submit all pending documents to complete the claim settlement process.
    If applicants fail to submit all pending documents within the 3rd reminder after 45 days, Bajaj General Insurance will close the claim request.
    In case the claim is rejected, our team sends a formal letter to explain the reasons for denial.

    Why is Understanding the Travel Insurance Claim Process Important?

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      Faster Payouts: When you know how to file a travel insurance claim and what documents to submit, you can avoid back-and-forth over wrong information or missing documents. Submitting all required documents correctly can prevent unnecessary delay or claim rejection.

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      Relief during Emergency: If you experience any medical emergency while travelling overseas, you might get confused about what to do and how to claim. But in this scenario, knowing the steps of the travel insurance claim process can help you feel less stressed, whether it’s for missing baggage or anything else.

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      No Lost Documents: Understanding the travel insurance claim process and documents helps in the heat of the moment when filing a claim. You will know exactly which reports, bills, and tickets to carry, including collecting reports from the airline before leaving the airport.

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      Fewer Denials: Submitting all claim forms, documents, and paperwork, and maintaining strict deadlines with policy terms and conditions, helps avoid claim rejection, denial, or delays.  Even understanding the difference between reimbursement and cashless claims can save your funds.

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    Cashless Overseas Hospitalisation

    Cashless overseas hospitalisation allows policyholders to receive emergency medical care or treatment abroad without paying hospital bills out of pocket.
    Contact the 24x7 emergency telephone assistance of Bajaj General Insurance to notify them immediately about the incident that has happened.
    Coordinate to know the overseas cashless hospital network and coordinate for the processing.
    Submit your policy documents and verify coverage parameters via Bajaj General Insurance app or website.
    In case your hospital bill exceeds 500 USD, you may apply for a cashless hospitalisation facility.
    If your hospital bill is less than 500 USD, file a smooth and hassle-free travel insurance reimbursement claim.
    Bajaj General Insurance offers a preferred list of global network of cashless hospitals to settle the entire bill directly, subject to policy limits and prior pre-authorisation.

    How to Make a Travel Insurance Claim Process?

    Understanding the Travel Insurance Claim Process” –

    The travel insurance claim process is simple. You can complete the travel insurance claim process within a few minutes through email or by giving missed call to Bajaj General Insurance.

    Cashless Claim

    Do you need medical care on your trip? Avail of our 24x7 missed call facility.
    Preferably report the incident within 48 hours.
    Share your passport details, incident details, policy number and incident location.
    Show your travel insurance policy UHC card (for USA Only) and your ID card at the hospital desk.
    We check it and approve your travel insurance claim quickly basis the policy terms and conditions.
    We then pay the hospital bills directly, so you pay nothing at the desk.

    Reimbursement Claim

    Inform us within 24 hours of hospital admission or any sudden incident during your trip.
    Pay the hospital bill yourself and keep all paid receipts for paid amount original documents safe.
    Collect all required documents, including physical receipts, medical papers, and ticket stub with other supporting documents.
    To submit travel insurance claim documents, fill the form and upload bills, reports, and ID proof through our portal for an email/online travel insurance claim.
    Our BGIL HAT team reviews everything and starts the process for international travel.
    Once approved, we transfer the agreed amount to your bank account within 5-6 working days.

    Network Hospitals Details

    You can get admission to a preferred hospital overseas and get cashless treatment. It means for any medical emergency, you do not have to pay hospital bills while travelling to a foreign country with Bajaj General Travel Insurance. 1 lakh+ Network hospitals ensure cashless paperwork and faster emergency processing.

    There is direct coordination between the policy claim assistance team of Bajaj General and the foreign hospital. Bajaj General Insurance will directly settle the hospital bills. You get treatment without paying upfront out of pocket, and with less paperwork, faster admission, and a 24x7 international helpline for guidance.

    What are the Documents Required for a Travel Insurance Claim?

    You might be thinking, “What are the necessary documents or paperwork to submit to ensure benefits from efficient and quick claim settlement?”

    Follow the list and submit all papers.

    A duly filled and signed claim form.
    Your travel insurance policy certificate.
    KYC documents such as passport first and last page containing your address with entry and exit stamps.
    Bank details such as a cancelled cheque to get the claim amount directly.
    Boarding passes or original tickets to prove journey date and travel itinerary.
    Medical expenses including discharge summary, pharmacy bills, hospital bills, and payment receipts.

    Here is the list of specific documents you must submit based on your claim type.

    For Medical Emergency: Hospital discharge summary, hospital bills, pharmacy bills, payment receipts, and FIR if required.
    Loss of Checked Baggage: Baggage tags, expense receipts, property irregularity report from airline, list of lost items, and confirmation for compensation from airlines.
    For Trip Delay: Original flight tickets, expense receipts, and confirmation letter from airline.
    Passport Loss: Ownership proof, receipt for obtaining new passport, and police FIR.
    Home Burglary: Legal notices, FIR, witness statement, and detailed incident information.

    Required Claim Forms for Travel Insurance

    To file a travel insurance claim, you must submit all required claim forms with supporting documents depending on the reason or incident. There are several claim forms.

    Other Claims

    MotorInsuranceClaims

    Motor Insurance Claims
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    Health Insurance Claims

    Cyber Insurance Claims

    Commercial and Retail Insurance Claims

    Home Insurance Claims

    Pet Insurance Claims

    Cattle Insurance Claims

    Frequently Asked Questions on Travel Insurance Claim

    Which travel policy is better, individual or family floater?

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

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

    Technically yes, but it does not mean double the payout. You cannot profit from insurance by claiming the same bill twice. If you have two policies, the insurers will likely split the cost between them. It is much smarter and simpler to buy one comprehensive policy with adequate coverage limits.

    How do I file a travel insurance claim online in India?

    Most insurers make it easy via their website or mobile app. Simply log in, navigate to the 'Claims' section and enter your policy details. You can upload digital copies of your documents directly there. It’s much faster than paper mail and lets you track the status instantly.

    What can I claim through travel insurance?

    You can claim for financial losses caused by unexpected events, such as medical emergencies, flight cancellations, lost luggage or a stolen passport. Essentially, if something beyond your control costs you money or disrupts your trip, you can get coverage for it.

    How long does a travel insurance claim take?

    Typically, it takes about 10 to 15 working days once you submit all the correct documents. Simple claims might be settled faster, while complex medical cases could take a little longer. Submitting everything clearly the first time is the best way to speed things up. Moreover, this time will depend on different insurers.

    What are the most common travel insurance claims?

    The most frequent claims are definitely for medical treatments abroad and trip cancellations. Lost, stolen, or delayed baggage is also very common. Basically, health issues and airline chaos are the top reasons travellers end up using their insurance coverage.

    Is there a time limit on a travel insurance claim?

    Yes, and it is strict! You usually need to notify the insurer within 24 to 48 hours of the incident. For submitting the final paperwork, you typically have about 30 days after you return. Don’t wait too long or your claim could be rejected for being late!

    What do you need for a travel insurance claim?

    You will always need your policy copy, passport and original boarding passes. Then, add proof for the specific incident, such as medical bills for illness, a police report for theft, or an airline letter for lost bags. Without this specific proof, the claim cannot be processed.

    Which travel policy is better: individual or family floater?

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

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

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

    What’s the maximum age for buying travel insurance for students?

    Students can buy a travel insurance policy between the ages of 16 and 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.

    What are exclusions in travel insurance?

    Exclusions in travel insurance are situations not covered by the policy, such as pre-existing medical conditions (unless specified), participation in high-risk activities (unless covered by an add-on), travel to certain countries or regions, and losses resulting from illegal activities.

    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 are needed to process a 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 your insurer's customer care executive.

    What is the process of raising claims on my travel insurance policy?

    To raise a claim on your travel insurance policy, notify the insurer about the claim, submit all the required documents, choose cashless or reimbursement mode for your claim, avail treatment and share required bills, and then receive claim settlement after approval.

    What is the claim settlement process for 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.

    What should I do if I need to make a claim while travelling?

    If you need to make a claim while travelling, contact your insurance provider or visit the website. Gather all relevant documentation, keep detailed records of expenses, and follow the insurer's instructions for filing a claim. The claim will be processed as guided by the insurance provider.

    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 travelling, you will no longer have coverage for any medical emergencies, lost luggage, or other risks. This means you would be responsible for any expenses during your travel after your policy expires. 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.

    If I have a multi-trip policy, does it automatically renew?

    No, multi-trip policies typically have a one-year validity period and must be renewed annually.

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