Domestic Travel Insurance

Be it the beautiful north-east or the serene south Indian beaches, you must ensure that any trip in your own country is stress-free. With domestic travel insurance, you can easily deal with many unexpected situations that can otherwise ruin your trip as well as your budget. Buying domestic travel insurance for India protects you from medical & non-medical expenses with quick claim reimbursements and cashless treatment options.

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1 year plan at ₹5 day

Bharat Bhraman

Powered by Bajaj General

Covers flight, train, bus, car & bike travel across India

Important features

  • Personal accident ₹3,00,000

  • Trip cancellation ₹5,000

  • Accidental hospitalization ₹1,00,000

  • Loss of checked baggage ₹2,500

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No. of travellers

-
1
+

Ages 6 months – 70 years are covered

Start date
Policy valid till 12 Jan 2027

Premium for one year ₹1,554 /-

Premium for one year

₹1,554 / Member

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Plan Features

Bajaj General

Bajaj General

Bharat Bhraman

  • Plan Benefits
  • FAQs
  • Claim Process
  • Plan Brochure
  • Policy Wording

Personal accident

₹3,00,000No Deductible

Fingers Crossed you never need this. This will offer financial support in case of an accidental death or disability during the trip.

Trip cancellation

₹5,000No Deductible

Pays for your prepaid, non-refundable expenses if the trip gets canceled due to serious illness, injury, extreme weather, or an accident among other reasons

Hospital daily allowance

₹200No Deductible

Offers cash to cover daily expenses in case of an unplanned long term hospitalization

Emergency medical evacuation

₹5,000No Deductible

This benefit covers expenses incurred in making arrangements to transport insured to a medical facility or back home if necessary

Personal liability

₹50,000No Deductible

This specific benefit helps in covering any unintentionally injury or damage where the travelling person becomes liable to compensate the third party as per the damage/loss incurred.

Repatriation of remains

₹5,000No Deductible

In case of death, insurer will cover the cost of the funeral & transporting the remains to India

Accidental hospitalization

₹1,00,000No Deductible

Covers unplanned and emergency medical expenses for the treatment of any illness or injuries that can occur while travelling abroad

Emergency hotel extension

₹5,000No Deductible

Missed connection

₹5,000No Deductible

Covers the costs of your unplanned expenses if you miss the connecting flight.

Home burglary insurance

₹50,000No Deductible

Bounced hotel

₹1,000No Deductible

Compassionate visit by a family member

₹5,000No Deductible

Covers expenses related to travelling of any immediate family member to the insured current location

Delay of checked baggage

₹2,500No Deductible

Pays for essentials or emergency purchase that insured person needs to buy if the airline delays the check-in baggage

Loss of checked baggage

₹2,500No Deductible

Compensates you if the airlines loses your check-in bag

Trip curtailment

₹5,000No Deductible

Trip delay by scheduled aircraft

₹500No Deductible

Compensates the insured for essential expenses if the flight is delayed due to reasons beyond your control.

Most Popular Questions
Pre Existing Disease
Trip Duration
Claim Settlement
Cancellation and Refund
Others

Does my Travel Insurace cover COVID-19?

Yes, now all plans cover COVID-19. It will cover COVID-related medical expenses if the insured member contracts COVID-19 in the destination country

What is a pre-existing disease?

It is any disease, illness, ailment, or injury for which you have, or had, received treatment in the last four years, like BP, Diabetes, etc.

Is there a minimum no. of days for travel insurance?

This is different for every Insurer. The insurer always mentions the minimum number of days for a travel insurance policy.

How to file a claim?

To raise a claim request, you just need to reach out to us on our claims helpline 1800-258-5881 or send us an email on travelclaims@policybazaar.com. You can also contact the TPA (third party administrator) or emergency assistance service provider on their helpline number, and you will be guided how to proceed further. This helpline number will be mentioned in your policy copy. You may be required to submit the claim form duly filled along with the relevant documents. The claim procedures and relevant information will be available in your policy copy.

Where can I get more details about policy coverage?

You can find the details like features, its coverages and deductibles in the Plan Features tab. For further details you can also refer to the policy brochure for each insurer.

Can Policybazaar help me with a claim?

Yes. You can always reach out to us on our claims helpline 1800-258-5881. You can also send us an email on travelclaims@policybazaar.com.

What can be the maximum number of days for a single round trip plan?

International Travel Insurance can be purchased for a maximum of 180 days at a time. It can be further extended for another 180 days based on certain terms & conditions.

Does Travel Insurance cover pre-existing disease(s)?

Yes. Usually, Travel Insurance covers pre-existing disease up to a certain percentage of the sum insured. Always check if your specific pre-existing disease is covered and whether the amount will be enough to cover your hospitalization costs in the country you are visiting.

When will I get my policy copy if I buy from Policybazaar?

Instantly. You get the policy as soon as you make the payment on Policybazaar. So even when you need to travel for emergencies, you can get insurance for your trip on the way to the airport.

Does Travel Insurance cover pre-existing disease(s)?

Yes. Usually, Travel Insurance covers pre-existing disease up to a certain percentage of the sum insured. Always check if your specific pre-existing disease is covered and whether the amount will be enough to cover your hospitalization costs in the country you are visiting.

What is a Multi-Trip insurance plan?

As the name suggests, an Annual Multi-Trip Travel Insurance plan is specifically designed for frequent flyers that will provide coverage for multiple trips over a 1 year period. So, whether you are traveling for business or working in a multinational company quite often outside India, opt for the Annual Multi-Trip plan

Do I need to undergo medical test for buying Travel Insurance?

Not in an ideal situation. We recommend you check the policy terms & conditions to see if your specific condition will only be covered after a medical checkup.

What is TPA?

TPA stands for Third Party Administrator. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims.

I got my Travel Insurance but then noticed that the policy document has error(s) in spelling, address, passport, etc. What can I do to get it fixed?

Just send us an email on care@policybazaar.com & we'll help you fix the error(s) in your policy.

What is a Family Floater Plan?

A Family Floater Plan covers all the family members traveling together. Here all the benifits are shared among all the family members.

What does 30, 45, 60, 90 days mean in Annual Multi Trip plan?

As Annual Multi Trip plan is used for multiple trips outside India, there needs to be an upper limit to the maximum duration for each trip which is defined as 30, 45, 60 and 90 days which may vary according to the insurer.

How does Medical Claims get settled?

Medical claims for hospitalization of more than 24 hours can be settled in a cashless manner depending on the insurer and its network hospitals. For OPD or daycare treatments, the insured member directly pays to the hospital and then gets the amount reimbursed from the insurer. Reimbursement claims can be filed within 30 days of coming back to India. Always check the policy terms & conditions for full details about your claims settlement.

Can Policybazaar help me with a claim?

Yes. You can always reach out to us on our claims helpline 1800-258-5881. You can also send us an email on travelclaims@policybazaar.com.

What can be the maximum trip length of a student travel plan?

International Travel Insurance for students can be purchased for a maximum of 2 years. This can be extended for another 2 years, subject to insurer terms & conditions.

How does Medical Claims get settled?

Medical claims for hospitalization of more than 24 hours can be settled in a cashless manner depending on the insurer and its network hospitals. For OPD or daycare treatments, the insured member directly pays to the hospital and then gets the amount reimbursed from the insurer. Reimbursement claims can be filed within 30 days of coming back to India. Always check the policy terms & conditions for full details about your claims settlement.

How do hospitals in other countries recognize and accept my Travel Insurance?

We suggest you carry a print out of your Travel Insurance which can be shown at the hospitals during any emergency. Additionally, we will share you the soft copy on your submitted mail and whatsapp for quick reference if required at any touch point

Can I buy Travel Insurance if I am not an Indian citizen but travelling from India to another destination?

Yes, one can buy a Travel Insurance even if not an Indian citizen with certain specific insurers but the insured person needs to have a permanent residency proof of 6 months or more of India. Also, the insured person cannot buy the travel insurance for their home country as the traveling destination

Can the period of Travel Insurance be extended?

In most cases, the insurer allows an extension of the policy period if you have not filed a claim. If you need help in extending your policy, you can email us on care@policybazaar.com.

Can the period of Travel Insurance be extended?

One can extend a travel insurance to a maximum trip duration of 365 days for a single trip. To extend your policy you can email us on care@policybazaar.com or call us at 1800-298-5700

Why should I buy Travel Insurance?

Travel Insurance protects against unplanned expenses like an emergency hospitalization, flight delays/cancellation, baggage loss/delays, loss of passport, or travel documents.

When can I buy Travel Insurance?

International Travel Insurance can be purchased 180 days (6 months) before the start of your trip. We recommend you get travel insurance as soon as you buy the flight ticket or book your stay.

Can I cancel my policy and get a refund before the trip start date?

The insurer usually refunds the premium after deducting a small processing and administrative fee. If you need any help with cancelling your policy or the refund, you can email us on care@policybazaar.com.

How to file a claim?

To raise a claim request, you just need to reach out to us on our claims helpline 1800-258-5881 or send us an email on travelclaims@policybazaar.com. You can also contact the TPA (third party administrator) or emergency assistance service provider on their helpline number, and you will be guided how to proceed further. This helpline number will be mentioned in your policy copy. You may be required to submit the claim form duly filled along with the relevant documents. The claim procedures and relevant information will be available in your policy copy.

Can I cancel my policy and get a refund before the trip start date?

The insurer usually refunds the premium after deducting a small processing and administrative fee. If you need any help with cancelling your policy or the refund, you can email us on care@policybazaar.com

If I am sitting outside India and want to book travel insurance from Policybazaar for someone traveling from India, can I do the same?

Yes, one can book travel insurance prior to their travel date from anywhere in the world for a person whose trip is starting from India.

Simple and hassle free claim process

Register claim

To register your claim you just need to contact us through any of these means

That’s it, we will take care of the rest

Our claim support executives will provide you end to end support for your claim request.

How Policybazaar will help you

30 minutes claim support and assistance
Help in claim filing, documentation, insurer coordination & payout
No cost or hidden charges for raising claim request
Getting claim filed on behalf of customer and regular followups with insurer

Documents required for claim filing*

Medical Claims
Baggage Loss
Trip Related Claims
Other Claims

* The list is indicative for the documents required and it can vary with insurer and benefit for which the claim is filed.

Claim stories of our customers

Ajay Kumar Mehrotra

61 Yrs, Jharkhand

Summary

Total Premium ₹1,554 / member

How it works
  • Buy once for the yearGet covered for unlimited trips within India

  • Travel anytime, anywhereFlights, trains, buses, cars & bikes covered

  • Get help when it matters24×7 assistance for emergencies & claims

Total Premium

₹1,554 / Member

What is Domestic Travel Insurance Within India?

Domestic travel insurance is a specialised safety net which protects travellers from unforeseen incidents while travelling across Indian states. These include medical emergency, taxi or private car breakdown, baggage insurance, home insurance, personal liability, etc., while you travel in India.

You can find various domestic travel insurance within India with customised coverage to fit your needs. Plans range from medical treatment coverage to lost travel tickets and emergency evacuation costs.

Any Indian travelling within the country is eligible to buy travel insurance. Whether you are going on a solo holiday, a business trip, or buying domestic travel insurance for family vacations within India, securing your journey ensures complete peace of mind.

Domestic Travel Insurance at a Glance

Domestic Travel Insurance At a Glance

Categories Specification
Eligibility Indian travelling within India
Areas Covered Throughout India, unless specified
Policy Duration Starting from 1 day to 1 year
Major Benefits Permanent Total Disability, Loss of Baggage, Medical Expenses, Flight Delay, Personal Accident, Roadside Assistance, Child Education Benefit
Add-On Available No Age Limit Cover, Home Burglary Cover, Coverage for Adventure Sports, Accommodation Expenses due to Train Delay
Claim Procedure Online or Offline
COVID-19 Covered Provided
Claim Settlement Period Usually 30 days, but it varies with insurers
Time Required to Buy Can be purchased instantly if buying policy online
Domestic Travel Insurance at a Glance

Domestic Travel Insurance Eligibility Criteria

Indian Residents

Any Indian citizen travelling across domestic destinations by air, rail, road, or sea.

Foreign Nationals

Foreigners residing in India for work, study, or valid long-term residency visas can also buy domestic travel insurance online.

Age Limits

Coverage is available for individuals aged 6 months up to 70 years (varies with insurer).

Why Buy Domestic Travel Insurance?

Most people buy travel insurance when travelling abroad, but tend to ignore it when travelling within India. It's necessary to invest in a reliable Indian domestic travel insurance plan to eliminate financial risks and unwarranted out-of-pocket medical bills.

Local travel insurance is especially useful when your domestic flight is unduly delayed due to bad weather or technical failures. A domestic travel insurance policy covers:

  • Accidental medical emergency and hospitalisation expenses

  • Domestic flight cancellation insurance in India reimburses for non-refundable tickets

  • Flight/train delay allowances and missed connecting connections

  • Loss or theft of checked-in baggage

  • Roadside assistance for road trips, including private car/taxi breakdowns

  • Emergency medical evacuation and repatriation of mortal remains

Just like international travel insurance, domestic travel insurance can be bought for a single trip or a multi-trip. It is available for families, frequent business travellers, and daily commuters with varying benefits.

Domestic Travel Insurance within India: Features

  • Caters to All Travellers

    Caters to All Travellers

    Flexible options available for individual solo travellers, couples, business executives, and full domestic travel insurance within India for family coverage.

  • Flight & Train Delay Protection

    Flight & Train Delay Protection

    Provides financial reimbursement if your flight or train is delayed beyond a specified timeframe, covering emergency hotel accommodation and food expenses.

  • 24/7 Roadside Assistance

    24/7 Roadside Assistance

    Plans available for daily commuters, business trips or leisurely vacations in India.

  • Flexible Options

    Cashless Medical Treatment

    Emergency hospitalisation coverage across top network hospitals in major Indian cities.

What does the Domestic Travel Insurance cover?

Covered in policy

Most domestic travel insurance in India covers medical and non-medical contingencies occurring during travel:

Medical or Accident Cover

Covers expenses incurred due to medical emergencies or accidents during the trip. It also covers ambulance charges, medical evacuation and repatriation expenses depending on the plan.

Flight Cancellation or Delay

From unpredictable weather to technical glitches, there are numerous reasons for a flight delay. Domestic flight insurance covers you against the expenses incurred due to the delay or cancellation.

Lost baggage

In case your airline misplaces your baggage, your lost baggage cover under this domestic travel insurance will offer reimbursement up to a certain limit.

Personal Liability

This benefit provides coverage against accidental damage to a third party's property in case you are held liable for it. This type of cover is especially beneficial if you are travelling with kids.

Not Covered in policy

Besides understanding what is covered under a policy, it is also important to know what is not covered under domestic travel insurance.

Domestic Insurance Exclusions:
  • Medical expenses due to pre-existing diseases are not covered.

  • No coverage provided if the insured is travelling against their doctor's advice.

  • If travelling for medical treatment or diagnosed with a terminal ailment.

  • Losses due to an accident caused by the consumption of alcohol or drugs are not covered.

  • Self-initiated harm, suicide, sexually transmitted diseases, mental disorders like stress, anxiety, depression, etc., are not covered.

  • If you incurred losses due to participating in criminal activities, civil commotion, riot, etc.

  • Any damage that occurred due to the participation in adventure activities or water sports, mountaineering, bungee jumping, scuba diving, racing, hang gliding, etc., is not covered by domestic travel insurance online.

Myths about Domestic Travel Insurance Policy

Many travellers skip buying within India travel insurance due to common misconceptions. Here is the truth behind those myths:

Myth 1

"Flight Duration is Too Short to Need Insurance"

Fact: Disruptions don't depend on flight duration. A 1-hour domestic flight can still suffer extended delays, luggage loss, sudden cancellations, or emergency medical turbulence. Domestic flight insurance covers these exact losses regardless of flight duration.

Myth 2

"Domestic Travel Insurance is Expensive"

Fact: A comprehensive travel insurance domestic plan costs less than a cup of coffee per day (starting at ₹5/day) while protecting non-refundable bookings worth thousands of rupees.

Myth 3

"The Buying Process is Too Complicated"

Fact: You can buy domestic travel insurance online on Policybazaar in less than 2 minutes without physical paperwork or any medical checkups.

Myth 4

"Claim Settlement is Difficult"

Fact: Buying your domestic travel insurance plan online directly ensures transparent terms and 24/7 online claim filing.

Essential Safety Tips While Travelling in India

Travelling within the country does not make you immune to unforeseen incidents that may cause loss or damage. Here are some helpful tips to make your vacation in India better:

rejection:
Plan and Book in Advance

Indian Railways (IRCTC) and popular domestic flight routes fill up quickly. Always book tickets and accommodation early.

Keep Copies of Important Documents

Carry your original ID proof (Aadhaar, Driving License, or Passport) along with soft copies on your phone or cloud storage.

Beware of Common Scams

Avoid unauthorised guides or local gem sellers offering unverified deals. Always research rates online before making expensive purchases.

Know Local Emergency Numbers

Save important contacts on your phone: 112 (All-in-one emergency helpline), 100 (Police), and 108 (Ambulance).

Secure Your Trip Online

Always protect your travel finances against unexpected delays, lost luggage, and health emergencies by securing the best domestic travel insurance India plan.

Domestic Travel Insurance: FAQs

  • Q: Can you get travel insurance for domestic travel in India?

    Ans: Yes, you can easily buy domestic travel insurance India for trips within the country. Your domestic travel insurance policy covers unexpected medical emergencies, baggage loss, flight relays and roadside assistance across various Indian states.
  • Q: Is there any travel insurance for a domestic road trip in India?

    Ans: Yes, most insurance for domestic travel offers on-road coverage in case of accident, private car breakdown and a few other emergencies. Several plans offer 24/7 roadside assistance, emergency car breakdown support, towing services, medical coverage for highway accidents, and accidental hospital care while travelling across India by private car, taxi, or bus.
  • Q: What is the domestic travel insurance India price?

    Ans: The domestic travel insurance India costs start at INR 5/day for a 1-year plan. It will vary with the number of travellers and the trip duration.
  • Q: What is the Maximum Trip Length for the Domestic Travel Insurance Plan?

    Ans: You can buy a domestic travel insurance plan for trips up to 30 days. However, you can find insurers selling annual plans as well.
  • Q: Does this Insurance Plan Provide Coverage for a Pre-Existing Illness?

    Ans: Most domestic travel insurance plans don't cover pre-existing illness. However, a few insurers may provide PED add-ons, so you must check with them before buying.
  • Q: Whom Should I Get in Touch with if I Come Across a Medical Emergency?

    Ans: In case of a medical emergency, you can contact Policybazaar's 24/7 claims helpline at 1800-258-5881 or email travelclaims@policybazaar.com. You can also call on the helpline number of your insurance provider, or you can send an email to their official email address.
  • Q: What are the Required Documents to Process My Domestic Travel Insurance Claim?

    Ans: To process your domestic travel insurance claim, submit the completed claim form, original medical reports, invoices/receipts, FIR report, etc., depending on the type of claim. When you file a claim under a specific domestic travel insurance plan, the customer care executive will update you regarding the required documents.
  • Q: How can I buy domestic multi-trip travel insurance for my family?

    Ans: You can buy domestic travel insurance online for your entire family by selecting a plan that covers the individual, their spouse and two dependent children.
  • Q: Is travel insurance worth it for domestic flights?

    Ans: Your travel insurance for domestic Indian flights worth it because it costs a fraction of your airfare. You can get benefits worth lakhs for a few hundred or a thousand rupees. Domestic trip insurance covers serious situations like baggage delay/loss by airline, flight delays and flight cancellations.
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Travel insurance companies

Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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Policybazaar Insurance Brokers Private Limited, Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 | CIN: U74999HR2014PTC053454 | Policybazaar is registered as a Composite Broker | Registration No. 742, Valid till 09/06/2027 | License category - Composite Broker | Contact Us | Legal and Admin Policies

* Price shown is for a 90 day trip to Domestic with 50,000 dollar coverage for an adult of age 25 years

Coverage, exclusions and claim outcomes may vary depending on insurer, policy wording and circumstances of the loss.

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