How to buy travel insurance in India & what are some of the best insurance companies?

Whether it is a solo backpacking trip, a vacation with family or a call from work, travel insurance is an essential part of the must-have list. The last thing you would like to worry about on a trip will be a stolen wallet, missing a flight or even meeting with an accident. Such unforeseen scenarios are likely to spoil your trip. It is thus necessary to prepare well in advance.

Travel insurance policies safeguards and offers comprehensive coverage against any financial loss that may occur during your trip. 

Here’s how you can enjoy a hassle-free trip in India with Bajaj Finserv’s Domestic Travel Insurance.

Why is domestic travel insurance a must-have?

With the following features, the domestic travel insurance policy helps to travel smart.

Emergency Coverage

The Domestic Holiday Cover is offered under Pocket Insurance and Subscriptions. Insurance coverage up to Rs 3,00,000 is offered against any unforeseen accident, hospitalization, theft, burglary, and loss of baggage. 

In addition to this, reimbursement of travel and hotel bills up to Rs 50,000 is available. This emergency cash amount is interest-free for up to 28 days. The repayment has to be initiated within 28 days. 

In case, your vehicle breaks down in the middle of the journey, 24X7 emergency road assistance can be availed at around 700 locations in India. If the vehicle repair is delayed or not available, you can claim reimbursement for an alternative vehicle as well.

Wallet Protection  

Losing your handbag containing all your cards and cash is scary. Under the domestic travel insurance in India, you can immediately block all your credit and debit cards. In just a single call, the misuse of your lost cards is taken care of. 

After blocking your cards, assistance regarding the replacement and renewal of the cards lost is also provided.

PAN card is also protected against any loss, fraud, or theft. The domestic travel insurance policy also ensures that your PAN card is replaced in the least possible time without involving any extra cost.

What is not covered under the domestic travel insurance policy?

  • Any financial loss that occurs as a result of intoxication is not covered under the online domestic travel insurance India. Such claims are rejected by the provider.
  • Violation of traffic rules leading to damage to vehicles is not considered.

How to apply for online domestic travel insurance in India?

Applying for the domestic travel insurance policy is simple and takes a few minutes. Here’s a list of steps to be followed for subscribing to the domestic travel insurance policy.

  • Step 1: Fill the online application on Bajaj Finserv website. 
  • Step 2: Pay the annual premium amount using the mode of payment provided.
  • Step 3: On receiving the premium amount, a Certificate of Insurance consisting of the registration confirmation letter is mailed to you. The terms and conditions of the policy are clearly mentioned.

How to raise a claim under the domestic travel insurance policy?

To raise a claim, keep the following documents handy to prove your requirement for emergency assistance. 

  • All the KYC documents 
  • Travel Safe membership letter
  • Duly filled Claim Form
  • Hospital bills in case of an accident

In the event of burglary or theft, lodging FIR is a must before raising a claim. And, the claim is to be made within 24 hrs. Similarly, on losing a wallet, it is necessary to report the loss within 24 hours.

The claim can be lodged either by calling on the toll-free number or writing a mail. 

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