Travel Insurance

Domestic Travel

Key Features

Your shield for every journey across India

Coverage Highlights

Unique Propositions:
  • Design your own plan

Flexible plan allowing you to tailor coverage for yourself and your family across India

  • Wide Sum Insured options

Choose adequate sum insured that suits your budget

  • Affordable Domestic Travel plan

Affordable Domestic Travel plan to travel across India without worries

  • Covers Multiple mode of transport

Separate plans for Bus, Train, E Commerce Cab, Scheduled Airlines, Multiple Modes of Transfer

  • No restriction on Entry Age

Opt plans for any age group

  • 24x7 support

Enjoy round the clock support to travel worry free

Key Inclusions

What is covered?
  • Personal Accident Cover

Pays agreed amount due to Death, Permanent Total Disability and Child Education Bonus if sustained due to Accidental Bodily Injury

  • Accidental Hospitalization Expenses & Disability- Common Carrier (AD&D)

Covers Accidental hospitalization expenses & Accidental Day Care procedures & surgeries

  • Hospital Daily Allowance

Cover pay per day benefit amount for the period of Hospitalization if sustained due to Accidental Bodily Injury

  • Emergency Medical Evacuation

Covers Medical Evacuation to the nearest hospital from the spot of Accident by an ambulance service offered by a healthcare provider

  • Personal Liability

Covers against any legal liability incurred to pay Damages for third party civil claims arising out of Accidental Bodily Injury or Property Damage.

  • Trip Cancellation

Indemnifies cost of ticket less refund received, following the cancellation of the Journey

  • Missed Connection

Covers Reasonable Additional Expenses for Missed Connection of Your flight

  • Home Burglary Insurance

Covers loss of or damage to contents of your home in India whilst your travel.

  • Bounced Hotel

Covers expenses incurred for upgrade or alternate accommodation on account of denial of hotel services

  • Delay of Checked Baggage

Indemnify emergency purchase in case of delayed Checked Baggage more than indicated hours post your arrival.

  • Loss of Checked Baggage

Pays agreed amount in case of loss or destruction of your Checked Baggage while in Journey

  • Trip Delay By Scheduled Aircraft

Indemnify lodging and food expenses if the aircraft is delayed beyond indicated hours.

Exclusions

What’s not covered?
  • Pre-existing Condition

Any disability or injury arising from a medical condition that existed before purchasing the policy is generally excluded

  • Intoxication

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

  • Routine Examination

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

  • Self-Inflicted Injuries

Injuries resulting from intentional harm or attempted suicide are not covered

  • Criminal or unlawful act

Actual or attempted engagement in any criminal or other unlawful act.

  • Non passenger flights

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

  • War and Related Perils

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

Add-On Covers

Enhance your coverage with these Add-ons
  • Trip delay Delight

Provide coverage when the flight of Insured/Insured Person/Beneficiary get delayed due to any reason

  • Track-a- Baggage

Track Your baggage In case it gets Delayed

  • Trip Curtailment

Covers expenses incurred following necessary Shortening or alteration of the journey due to Illness etc

  • Adventure Sports Benefit

Covers medical expenses if You are engaged in adventure sports in a non-professional capacity and under the supervision of a trained professional

  • Loss Of Baggage

Covers loss of personal baggage of the Insured due to theft, larceny, robbery or hold up during the journey

Domestic Travel Insurance

Health

Comprehensive protection for every journey

Benefits You Deserve

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Cashless Worldwide

Provides direct settlement of medical bills without upfront payments

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Emergency Travel Assistance

Get round-the-clock support in case of emergencies during your trip

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Trip Delay Covered

Get paid for long flight delays

Download Policy Document

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

Health Companion

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Track, Manage & Thrive with Your All-In-One Health Companion

From fitness goals to medical records, manage your entire health journey in one place–track vitals, schedule appointments, and get personalised insights

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Take Charge of Your Health & Earn Rewards–Start Today!

Be proactive about your health–set goals, track progress, and get discounts!

Healthassetment

Your Personalised Health Journey Starts Here

Discover a health plan tailored just for you–get insights and achieve your wellness goals

Healthmanager

Your Endurance, Seamlessly Connected

Experience integrated health management with us by connecting all aspects of your health in one place

Step-by-Step Guide

To make sure that we are always listening to our customers

How to Buy

  • 0

    Download the Caringly Yours Mobile App and use your login credentials

  • 1

    Select the travel insurance option by providing necessary details

  • 2

    Allow the application to process your information & get quotes

  • 3

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

  • 4

    Finalise the plan selection and complete the payment process

  • 5

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

How to Extend

  • 0

    Please reach out to us for policy extensions

  • 1

    Phone +91 020 66026666

  • 2

    Fax +91 020 66026667

Cashless Claim

  • 0

    Applicable for overseas hospitalization expenses exceeding USD 500

  • 1

    Submit documents online for verification.

  • 2

    Upon verification Payment Guarantee to be released to the hospital

  • 3

    Please complete necessary formalities by providing missing information

Reimbursement

  • 0

    On complete documentation receipt, reimbursement takes approx. 10 days

  • 1

    Submit original copies (paid receipts only) at BAGIC HAT

  • 2

    Post scrutiny, receive payment within 10 working days

  • 3

    Submit incomplete documents to our document recovery team in 45 days

  • 4

    Policy deductible will be applicable as per policy copy

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What Our Customers Say

Simple Process

Straightforward online travel insurance quote and price. Easy to pay and buy

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Madanmohan Govindarajulu

Chennai

5

19th Apr 2019

Convenient

Very user-friendly and convenient. Appreciate the Bajaj Allianz team a lot.

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Payal Nayak

Pune

4.8

15th Mar 2024

Affordable

Very nice service with an affordable premium for travel insurance.

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Kinjal Boghara

Mumbai

4.5

5th Mar 2019

User Friendly

Quick, easy, and user-friendly process to buy travel insurance.

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Abhijeet Doiphode

Pune

4.5

6th Feb 2019

Customer Support 

Very prompt and professional service. I am pleased with the customer service team at Bajaj Allianz.

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Ushaben Pipalia

Ahmedabad 

5

31st Jan 2019

FAQ's

What is pre and post-hospitalisation coverage under Domestic Travel

The Domestic Travel Insurance policy covers pre-hospitalisation expenses incurred up to 5 days before hospital admission due to an accidental injury, provided the hospitalisation claim is accepted. Similarly, post-hospitalisation expenses for up to 30 days after discharge are reimbursed if they relate to the same injury. Both benefits apply only if

What is trip curtailment coverage under Domestic Travel Insurance?

Trip cancellations due to medical emergencies, natural disasters, or unavoidable circumstances are covered.

Does the policy cover lost baggage?

Yes, the policy covers loss, delay, or damage to checked-in baggage during travel.

What is the repatriation of the remains cover under Domestic Travel

Repatriation of the remains add-on ensures that if the insured passes away due to an accidental injury during the policy period, we will cover reasonable expenses for transporting the remains to their residence in India or for burial/cremation at the place of death up to the sum insured.

What is compassionate visit coverage under Domestic Travel Insurance?

Under this plan, a family member can be covered for economy-class transportation costs if the insured person is hospitalised due to an accident during the policy period. This benefit applies when the insured pays an additional premium, covering travel expenses for the family member to the location of the hospitalisation. Family members eligible for

What is the delay of checked baggage cover under the Domestic Travel

Domestic Travel Insurance covers the emergency purchase of toiletries, medication, and clothing if your checked baggage is delayed for more than 6 hours after your arrival at the destination within India. This benefit is available for an additional premium, with indemnity up to the sum insured. Claims require proof of purchase and airline certifica

What is an emergency hotel extension coverage under Domestic Travel

Domestic Travel Insurance policy covers hotel accommodation costs if the insured or their family members are unable to travel on the scheduled departure date due to an accidental injury requiring hospitalisation. This benefit extends from the original departure date to the revised departure date or a maximum of three days. The coverage is limited t

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

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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Domestic Travel Insurance: Bharat Bhraman Policy

●Home burglary cover

●Children education cover

●Medical expenses & accident cover

What is Domestic Travel Insurance Online?

Domestic travel insurance online is an assurance for your travels across India, offering coverage for unexpected incidents like medical emergencies, trip delays, check-in baggage loss, and more. With travel insurance for domestic travel, you can explore worry-free, knowing you're protected against uncertainties. Bajaj Allianz General Insurance Company's Bharat Bhraman Policy provides comprehensive coverage made for Indian travellers, ensuring a secure and memorable journey, whether for business, leisure, or personal reasons.

Benefits of Bharat Bhraman Domestic Travel Insurance

READY FOR BACKPACKING, ARE YOU? The love for travelling is a shared one, almost the biggest unifier on the planet. Be it soaking in the sun with your beloved on a pristine beach, spending quality time with your family or trekking to the most scenic views with your wolf-pack, travelling makes the best of memories that often last your lifetime.

However, amidst all the fun and excitement, there’s always that element of uncertainty. But there is not much reason to worry when you have the cover of Domestic Travel Insurance to cushion you from the bad vibes! One trend that attracts attention here is that people have been found to invest in Travel Insurance only while travelling overseas, but not so much while they’re travelling within the country.

Why this inconsistency when a comprehensive Domestic Travel Insurance Plan can take care of all travel-linked interruptions and provide you a worry-free experience even in your home country! No matter a medical treatment, delay or cancellation of flights, accidents or loss of baggage, there’s not much that a Domestic Travel Insurance policy doesn’t cover.

Most importantly, it assures you complete peace of mind so that you can let your hair down and unwind.

When Do You Need Domestic Travel Insurance?

Domestic travel insurance is essential whenever you go on a trip across India. From short cab rides to extended vacations, it offers protection against medical emergencies, delayed flights, or theft. It's especially beneficial for frequent travellers using buses, trains, or airlines. With affordable domestic travel insurance, you save money while staying prepared for unexpected travel mishaps. The Bharat Bhraman Policy simplifies the process with flexible plans to suit every travel need.

WHILE YOU PACK, WE’VE GOT YOUR BACK WHILE YOU PACK, WE’VE GOT YOUR BACK

If uncertainties are a part of the picture no matter where you’re off to, shouldn’t you be consistently prepared as well? Bajaj Allianz Bharat Bhraman Policy is comprehensively designed with a host of features such that you need not fret over any aspect of your trip. We will make you feel at home, no matter which part of
the country you’re travelling to.

Personal Accident Cover

Should you sustain injuries (resulting from accidents or other medical emergencies) over the course of your trip, we will be prompt to cover all the expenses and pay the claim. This could be all the more beneficial if you don’t have an exhaustive medical cover, or have one that offers limited coverage.

Child Education Bonus

We will pay an additional 2% of the total sum insured towards the cost of education per dependent child (to a maximum of two children).

●The dependent child/children should be enrolled in an accredited educational institution

●He/she/they should not exceed 21 years of age

Permanent Total Disability

God forbid, should there be a serious injury scare that results in loss of vision, hands and limbs, we will pay up the total sum insured to the nominee/legal representative of the insured.

DOMESTIC TRAVEL INSURANCE: COMMON FEATURES

1. There’s no cap on age. Whether you’re 21 or 50, you can always invest in a Domestic Travel Insurance Plan and stay protected from unpleasant surprises over the course of your trip

2. Offers coverage against loss of passport, travel tickets, etc.

3. Provides coverage for a period of 1 year, up to the total sum insured

4. Covers expenses arising from flight delays or cancellations

5. Covers expenses incurred towards repatriation

6. Provides coverage against damages caused by your actions to property belonging to others

7. Protects against loss of baggage or expenditure arising due to certain medical procedures, accidents, etc.

GOT A QUESTION? HERE ARE SOME ANSWERS THAT MIGHT HELP

How can I benefit from Domestic Travel Insurance?

With a Domestic Travel Insurance Plan, you can now embark on worry and stress-free travel. It offers extensive coverage for circumstances including missed/delayed flight, damages or loss of check-in baggage, emergency medical evacuation and repatriation, personal accident cover, accidental hospitalization expenses, personal liability, trip cancellation or curtailment, child education bonus, and much more!

Please read terms and conditions carefully before concluding a sale of a Domestic Travel Insurance Plan.

At Bajaj Allianz, your comfortable travel is certainly our business.

Who is eligible for such Travel Insurance?

Anybody who is travelling within the country (via flight, train, bus or other modes of transport) is eligible.

In case of queries, who do I contact?

Bajaj Allianz Bharat Bhraman Policy is committed to helping you out tirelessly. All you have to do is reach out to us or give a missed call at our Toll-Free number 1800-209-5858. Trust us to get in touch with you at the earliest.

Is there any cap on age of the policyholder?

No. Age is just a number and there is no bar at all.

What does a ‘deductible’ mean?

It refers to the pre-decided amount of the claim that you are required to bear.

Domestic Travel Insurance

At Bajaj Allianz, we are proud to share your passion for travelling and offer the comprehensive Bharat Bhraman Policy – a one-stop plan for all your needs related to Travel Insurance in India. Irrespective of the purpose of your trip – be it business, holiday or one that involves personal reasons – we have got you covered any time you might have to travel within the country. Our relentless assistance can be for something as short as a cab ride to as much as a year, post which, you’d have to renew the policy. In fact, this truly first-of-its-kind policy has five plans, with each of those particularly designed to serve the battery of needs you might have:

1. PLAN A- For travel by E-commerce cabs
2. PLAN B- For travel by bus
3. PLAN C- For travel by train
4. PLAN D- For travel by scheduled airlines
5. PLAN E- For travel by other/multiple modes of transport
Just reach out to us at our Toll-Free number 1800-209-5858and we will help you on priority.

Why Choose Bajaj Allianz Bharat Bhraman Policy?

Choosing the Bajaj Allianz Bharat Bhraman Policy for your domestic travel insurance ensures a worry-free journey across India. This comprehensive plan covers accidental hospitalisation, emergency medical evacuation, trip cancellations, and more. It provides peace of mind against unforeseen travel interruptions, allowing you to enjoy your travels without stress. Additionally, this annual domestic travel insurance offers benefits like home burglary insurance, delayed baggage coverage, and personal liability protection, ensuring you are covered from all angles. With Bajaj Allianz, you get a robust and cheap domestic travel insurance option that prioritises your safety and convenience. With Bajaj Allianz General Insurance Company, you get a robust and cheap domestic travel insurance option that prioritises your safety and convenience.

Eligibility Criteria to Buy Bajaj Allianz Bharat Bhraman Policy

The eligibility criteria for purchasing the Bajaj Allianz Bharat Bhraman policy are straightforward. Any Indian resident planning to travel within the country can buy this policy. There is no age limit, making it accessible for individuals of all ages, young travellers or senior citizens. This inclusivity ensures that everyone can benefit from the protection this comprehensive travel insurance offers for domestic travel. Moreover, the policy can be easily purchased online, allowing quick and hassle-free enrollment.

Compare Domestic Travel Insurance Options

When comparing domestic travel insurance, the Bajaj Allianz Bharat Bhraman Policy stands out for its comprehensive coverage and flexibility. By evaluating different policies, you can ensure you choose the best policy tailored to your specific needs.

Things To Remember While Travelling in India

Choose Comprehensive Coverage :

Compare plans to find the best option. The Bharat Bhraman Policy stands out when you compare domestic travel insurance, offering accidental hospitalisation, trip cancellation, and personal liability coverage.

Keep Important Documents Safe :

Protect travel tickets and identification documents to avoid unnecessary hassles. This policy covers loss or theft, keeping you stress-free.

Prepare for Uncertainties :

Emergencies don’t depend on trip length. The Bharat Bhraman Policy offers reliable coverage, including repatriation of remains and home burglary insurance, even during short trips.

Affordable Protection :

The nominal premium can save you from significant expenses during emergencies, leaving you with more funds for future trips.

With Bajaj Allianz General Insurance Company’s Bharat Bhraman Policy, enjoy seamless travel across India, backed by reliable coverage and 24/7 support. Get a quote online and make every trip a safe adventure!

Features of Domestic Travel Insurance

●There’s no cap on age. Whether you’re 21 or 50, you can always invest in a Domestic Travel Insurance Plan and stay protected from unpleasant surprises over the course of your trip

●Offers coverage against loss of passport, travel tickets, etc.

●Provides coverage for a period of 1 year, up to the total sum insured

●Covers expenses arising from flight delays or cancellations

●Covers expenses incurred towards repatriation

●Provides coverage against damages caused by your actions to property belonging to others

●Protects against loss of baggage or expenditure arising due to certain medical procedures, accidents, etc.

TIME TO BUST SOME MYTHS!

● Myth#1: I don’t need domestic travel insurance because my travel time is small

Emergencies like medical emergencies, delay or cancellation of the scheduled flight, thereby leading you to miss another connecting flight and loss of check-in baggage don’t depend on the duration of your trip. Investing in a comprehensive Domestic Travel Insurance Policy can be your way out in these times of stress.

● Myth#2: These plans will burn a hole in my pocket

This probably needs the maximum busting, considering it has been doing the rounds for a long time now. When you opt for a Domestic Travel Insurance Plan, you pay a nominal amount for the cover in comparison to what you’d have to pay to manage a medical emergency or loss of baggage out of your own pocket.
Thus, the Domestic Travel Insurance Plan will help you save a lot of money in case of an emergency or a travel mishap. And that just means more funds to plan another trip!

● Myth#3: Getting a domestic travel insurance plan is complicated

System alert: Biggest myth detected.
No doubt obtaining Domestic Travel Insurance was cumbersome back in the day. But one day, we thought it good to do away with unnecessary complications. And now here we are, having ushered in a day when you can purchase Domestic Travel Insurance online, and (wait for it…) even renew it within seconds once the exiting policy expires.