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    Travel Insurance

    UK Visa For Indians

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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

    UK Visa Process & Tips for Indians

    Planning a trip to the UK? Whether it’s for tourism, business, study, or transit, Indian nationals must obtain a UK visa before travelling. Understanding the UK visa requirements for Indian citizens can help streamline the process and increase the chances of approval. Additionally, having travel insurance from Bajaj General Insurance Limited ensures peace of mind while travelling. This guide provides everything you need to know about the UK visa for Indians, including visa types, processing time, fees, and tips to avoid rejection.

    What Is a UK Visa?

    A UK visa is an official document that grants permission to Indian nationals to enter, stay, or transit through the United Kingdom for a specific period. Depending on the purpose of travel, various visa categories exist, including visitor visas, work visas, and student visas. Contrary to common misconceptions, a UK visa for Indians is not difficult to obtain, provided all necessary documents and eligibility criteria are met.

    What Does It Mean to Have a UK Visa?

    The following are the characteristics of a UK visa:

    - With a UK visa for Indians, you can travel to Scotland, Wales, England, and Northern Ireland.

    - A standard visitor visa is available for either six or eleven months.

    - For an additional cost, you can expedite the processing of your UK visa application

    - Both short-term and permanent residence in the UK is possible with a UK visa.

    - Regular visiting visas are available in tenures of two, five, and ten years.

    Do Indians Need a UK Visa? 

    Yes, Indian citizens require a visa to enter the UK. Whether you are travelling for leisure, work, education, or transit, a valid UK tourist visa from India or another relevant visa type is essential. Indian passport holders must apply well in advance, as visa processing can take several weeks. Additionally, for minors under 18, parental or guardian consent is required.

    What Are the Different Types of UK Visas?

    ●  UK Visitor Visa:

    Those travelling to the UK for pleasure, business, medical treatment, reunions with family and friends, participation in sports, or other cultural activities are eligible to apply for this visa.

    ● UK Transit Visa:

    A UK Transit Visa enables travellers from other countries to pass through the airports' international transit areas.

    ●  UK Permitted Paid Engagement Visa:

    Foreign nationals invited by a UK-based organisation or entity because of their expertise in a particular field are eligible for a UK-permitted paid engagement visa.

    ●  UK Study Visa:

    The UK student visa is required by individuals that the wish to pursue studies at a UK institution.

    ●  UK Child Student Visa:

    Children under 18 who want to pursue studies in an educational institution in the UK must apply for this type of UK Study Visa. If you are over 16 years of age and hold this type of visas, you are permitted to work part-time. The length of a UK student visa for children may be extended.

    ●  UK Short-term Study Visa:

    Those who want to pursue an English language course in the UK can apply for a UK Short-term Study Visa. Typically, this type of UK visa is provided for the length of your course with an additional 30 days. However, the entire stay should not be more than 11 months.

    ●  UK General Student Visa:

    Foreign nationals may apply for a UK General Student Visa if they wish to enrol in a protracted graduate or postgraduate programme at a UK institution of higher learning. If the student's course of study is expected to last more than six months, this Tier 4 visa may also be extended.

    ●  UK Work Visa:

    A non British national may enter the UK with this visa to work for a company. Applicants must have a minimum of 945 pounds in their bank accounts for up to 90 days before applying for this visa. To obtain a UK Work Visa, Indian applicants must also pay a healthcare cost.

    Validity of the Different Types of UK Visa

     Visa Type

     Validity Duration

     Standard Visitor Visa

     6 months, 11 months (for medical treatment), 12 months (for scholars), 2/5/10 years (long-term applicants)

     Marriage Visitor Visa

     6 months

     Transit Visa

     24 to 48 hours

     Parent of a Tier 4 Child Visa

     6 to 12 months

     Permitted Paid Engagement Visa

     1 month

     

    What is the Eligibility Criteria for a UK Visa?

    - You must have valid and good intentions for travelling to the country.

    - You must have sufficient funds to support yourself and any dependents during the stay.

    - You must showcase strong ties to your home country, which may ensure you return to your country after your stay.

    - You must have a clean criminal track record. To showcase that you are a person of good character, you may have to provide a PCC (Police Clearance Certificate).

    - You must meet at least the minimum health requirements set by the authorities.

    What are the Documents Required to Apply for a UK Visa?

    The following is a list of all the documents you must provide with your visa application to obtain a UK visa:

    - A valid Indian passport of India

    - For business owners, documentation proving the company's registration, the owner's identity, etc.

    - Academic documentation and a letter on the organisation’s letterhead confirming a student’s enrollment in any UK college or university

    - A letter from the employer on a business letterhead for the employee, detailing their present position and pay information

    - Documents proving your financial situation (bank statements, information about your sponsor's finances, and information about your employment)

    - Legal address for residents of India for travellers from India

    How Can You Apply for a UK Visa?

    Filling Out the Application

    Apply for a UK visitor or tourist visa at gov.uk. Your application for a UK visa for Indians could be refused if any information given is wrong.

    Pay for the UK Visa Processing Fee

    Pay the UK visa processing fee with a valid debit or credit card.

    Schedule your Interview

    Schedule your interview and ensure your appointment date is fixed when you are available. You will have to start over with the UK visa application if you need to reschedule your appointment.

    Carry your Documents

    Ensure you bring printed copies of your application form, UK visa fee receipt, and passport before your appointment.

    Additional Documents

    It's also helpful to have extra paperwork available, such as tentative reservations for flights and hotels, world cup tickets, copies of your passport, and so on, just in case.

    UK Tourist Visa Processing Time

    Generally, it could take up to 2 weeks to process an Indian tourist visa for the UK. But applying at least three weeks in advance is usually advisable, just to be safe.

    Travel insurance for the UK

    It's always advisable to be safe and have offline or online travel insurance.

    Travel insurance for the UK will safeguard you from unfavourable circumstances when travelling.

    Depending on the nature and duration of your trip, you can have varying types of travel insurance coverage leading up to your trip. The process of obtaining travel insurance is also simple and convenient.

    What are the Fees Applicable for a Uk Visa?

    The processing charge for a tourist visa to the UK can be checked online for updated information. Also, a travel agent may charge an additional commission fee if you use them to speed up or simplify your application procedure. Currently as of 2023, the fees for a UK Visa across different types of Visa ranges between Free of Charge INR 3,800 to INR 1,05,7000.

    UK Visa Processing Time

    The UK visa processing time for Indians varies depending on the type of visa. Standard visitor visas usually take 10–15 working days, while business and study visas may take up to three months. If you need urgent processing, priority and super-priority services are available, with approvals in 7–10 days or as fast as 48 hours for an additional fee.

    Is a UK Visa Available on Arrival for Indian citizens?

    Unfortunately, Indian citizens flying to the UK cannot obtain a visa upon arrival. Hence, applying for a regular UK tourist visa is the sole option.

    Top Reasons for UK Visa Rejection 

    To improve your chances of visa approval, follow these guidelines:

    ●      Submit accurate information: Any inconsistency can lead to rejection.

    ●      Provide sufficient financial proof: Bank statements and tax returns should demonstrate that you can cover your expenses.

    ●      Include a strong travel itinerary: A clear purpose and proof of return ensure approval.

    ●      Maintain a clean immigration record: Prior refusals or overstaying visas can affect your application.

    ●      Meet health and character requirements: A Police Clearance Certificate (PCC) may be necessary.

    Why is Travel Insurance Essential for a UK Visa?

    - Whether organising a vacation or a business trip, you must be completely equipped to handle any challenges. Therefore, picking the top travel insurance for the UK is essential.

    - If you are travelling with family, get a family international travel insurance policy so that you may all be protected from unforeseen crises and enjoy your trip to the fullest.

    - Most medical or accident concerns that could complicate your journey to the UK are addressed by international travel insurance. Accidents can happen at any time. You could get sick or have an accident. Hence, travel insurance is a must.

    - You might misplace your bags,passport, or other important items. Hence,the need to buy travel insurance online.

    Are There Any Changes in Documents After Covid for a UK Visa?

    The ongoing COVID-19 pandemic has significantly altered how individuals travel abroad. However, the UK government has, for now, relaxed entry restrictions for foreign visitors.

    Tourist Attractions in the UK

    The following are the top UK attractions for you to check out:

    - Explore the Lake District, the second-largest national park in the UK, and take in its breathtaking splendour.

    - Come to Chester to experience the city's 2000-year-old culture.

    - Visit Cambridge to get a sense of the city's authentic culture.

    - Take a trip to the UK's westernmost point, Cornwall, which is quaint and charming.

    Step-by-Step Guide

    To make sure that we are always listening to our customers

    How to Buy

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      Download the Bajaj General 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 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

    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

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      Submit incomplete documents to our document recovery team in 45 days

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      Policy deductible will be applicable as per policy copy

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    What Our Customers Say

    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

    FAQ's

    Before I apply for a visa to visit the UK, how long must my passport be valid?

    When you apply for a visa to the UK, your passport must still be valid for at least six more months.

    How can I convince the relevant authorities that I am financially secure?

    You must provide copies of your bank statements from the past three months as part of the evidence of your financial security and stability.

    If my visa application is denied, what happens to my application fees?

    Even if your application is denied, there is no way to get your application money back. To avoid this situation, it is best to carefully follow all instructions before applying.

    Why does a UK visa application get denied?

    Visa applications may be denied due to various reasons, including insufficient financial proof, incorrect or missing documentation, failure to meet eligibility criteria, past immigration violations, or providing false information. To improve approval chances, applicants must ensure all necessary documents are accurate and complete and meet the UK visa requirements for Indian citizens. 

    What is the fastest UK visa?

    The super-priority visa service is the quickest option for obtaining a UK visa for Indians, offering a decision within 48 hours after the biometric appointment. This expedited service is ideal for urgent travel needs but comes at an additional cost, ensuring faster processing than standard visa applications. The super-priority visa service is the fastest way to get a UK visa for Indians, providing results within 48 hours of the biometric appointment.

    Can I get a UK visa faster?

    Yes, Indian applicants can expedite their UK visa application by selecting the priority service, which processes visas within 7–10 days, or the super-priority service, which provides results in just 48 hours. These fast-track services require additional fees and are beneficial for last-minute travel plans. 

    Is the UK visa process easy?

    Yes, obtaining a UK visa from India is a straightforward process if all eligibility criteria are met and the required documents are provided accurately. Ensuring proper documentation, sufficient financial proof, and a well-prepared application can simplify the process and increase the likelihood of visa approval. 

    Do I need travel insurance to obtain a visa for the UK?

    While travel insurance is not a mandatory requirement for a UK visa for Indians, it is highly advisable. Travel insurance provides financial protection against unexpected medical emergencies, trip cancellations, lost check-in baggage, and other unforeseen circumstances, ensuring a stress-free and secure travel experience to the UK. 

    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

    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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