Variants of Bajaj General Bharat Bhraman Policy
Bajaj General Travel Insurance (Formerly Bajaj Allianz) is a reputable insurance company that offers a variety of travel insurance plans to suit the needs of different travellers. The Bajaj General Bharat Bhraman policy is a comprehensive travel insurance policy that protects the insured travellers against any adversities encountered while travelling within India. This Bajaj General travel insurance plan offers medical, travel-related, and financial coverage if you are travelling within the geographical borders of India. The Bajaj General Bharat Bhraman policy is available in five different sub-plans:
Why should you take travel insurance? Just go through the following benefits that it offers.
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Plan A – Travel by E-Commerce Cabs
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Plan B – Travel by Bus
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Plan C – Travel by Train
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Plan D – Travel by Aeroplane
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Plan E – Travel by Other or Multiple Modes of Transport
Features of Bajaj General Bharat Bhraman Policy
The Bajaj General Bharat Bhraman policy comes with a variety of features. Before you choose the travel insurance policy for your domestic trip, take a look at some of the most lucrative features offered by the Bharat Bhraman policy:
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Five Different Plans
This policy by Bajaj General is divided into five different plans according to the mode of transport used by the insured to travel. This includes travel by cabs, buses, trains, scheduled airlines, and other modes of transport.
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One-Year Policy Term
This policy by Bajaj General provides coverage to the insured traveller for a policy tenure of one year.
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Pan-India Protection
The Bajaj General Bharat Bhraman policy protects the insured travellers from any adversities no matter which part of our country they are travelling to.
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Child Education Bonus
In case of death or permanent total disability of the insured traveller, he will be eligible for an additional benefit of Child Education Bonus under the personal accident cover. Bajaj General will pay an additional 2% of the sum insured amount towards the education of up to two dependent children of the insured traveller in case he dies or suffers from permanent total disability.
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Adventure Sports Benefit Cover
The Bajaj General Bharat Bhraman policy offers coverage for any medical expenses incurred due to participation in adventure sports activities during your trip within India.
Why Choose Bajaj General Bharat Bhraman Policy?
There are several reasons that make Bajaj General Bharat Bhraman policy one of the best domestic travel insurance policies to secure your journey within India. Take a look at some of those reasons below:
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There is no age restriction to coverage under the Bajaj General Bharat Bhraman policy.
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This policy comes in five plan types to provide specific coverage to people travelling by different modes of transport.
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Bajaj General has an In-house Team (HAT) that ensures all claims are settled as quickly as possible.
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It comes with special coverage such as Child Education Bonus cover, Home Burglary Insurance cover and Adventure Sports Benefit cover.
Eligibility Criteria to Buy Bajaj General Bharat Bhraman Policy
There is no eligibility criterion to buy a Bajaj General Bharat Bhraman policy. Any person travelling outside their city of residence but within the geographic borders of India can buy this policy and avail its benefits. Whether you are travelling for a vacation, business or for personal trips, you are eligible to buy this Bajaj General domestic travel insurance policy.
To get a better idea, you can refer to the table given below
| Minimum Entry Age | Maximum Entry Age | |
| Entry Age of the Policyholder | 1 day | No age bar |
| Entry Age of Family Members | 1 day | 100 years |
Bajaj General Bharat Bhraman Policy Coverage
The Bajaj General Bharat Bhraman policy is a comprehensive plan that provides coverage against a number of adversities that you may encounter during your domestic trip within India. Here is a list of all the inclusions under the various plans of the Bharat Bhraman policy by Bajaj General:
| Expenses incurred on hospitalisation following an accident |
| Daily hospital allowance |
| Emergency medical evacuation to a hospital |
| Repatriation of mortal remains |
| Personal liability cover |
| Any losses or expenses incurred due trip delays or cancellations |
| Emergency extension of hotel reservation |
| Home burglary insurance cover |
| Expenses incurred on the compassionate visit by a family member |
| Delay in receiving check-in baggage from the airline |
| Loss of check-in baggage by the airline |
| Any losses or expenses incurred due to curtailing the duration of the trip |
| Trip delay or flight delay due to glitches with scheduled aircraft |
| Adventure sports benefit cover |
| Permanent total disability |
| Child education bonus |
| Loss of passport cover |
| Missed connection |
| Bounced hotel cover |
Bajaj General Bharat Bhraman Policy Exclusions
Take a look at the list of exclusions which are not covered under this Bajaj General Bharat Bhraman policy by Bajaj General:
| Any pre-existing medical disease or condition |
| Any treatment expenses resulting from self-inflicted injury or illness |
| An attempt to suicide will not be covered |
| If the insured traveller does not follow the prescribed medical advice given by a doctor or medical practitioner |
| Any situations arising from an act of war, terrorism or other kinds of natural disruptions |
| Disorders, anxiety or stress resulting out of a high level of stress or other kinds of mental conditions |
| An accident caused by voluntary participation in any hazardous activities or substance abuse |
| Any non-medical expenses incurred will not be covered |
| Treatment of diseases such as AIDS, HIV or any other sexually transmitted diseases |
| Any accident or injury resulting from participation in adventure sports activities including scuba diving, bungee jumping, rafting, surfing, horse riding, etc. |
Bajaj General Bharat Bhraman Policy: FAQs
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Q1. Who can buy the Bajaj General Bharat Bhraman policy by Bajaj General?
Ans: Any person who is travelling outside his city of residence but within India using a cab, train, aircraft, bus or other modes of transport can buy the Bajaj General domestic travel insurance policy. -
Q2. Is there any age limit for the policyholder under the Bajaj General Bharat Bhraman policy?
Ans: No. The Bharat Bhraman policy does not have any upper limit for policyholders. -
Q3. In case of an emergency, who should I contact?
Ans: In case you face an emergency during your travel within India, you need to reach out to the nearest branch of Bajaj General Insurance Company. You can also call on their toll-free number on 1800-209-5858. -
Q4. What is a deductible?
Ans: A deductible is a pre-decided amount that a policyholder has to compulsorily pay at the time of claim settlement. It refers to the share of the claim amount that the insured has to bear at the time of settling a claim. -
Q5. Can I extend my Bharat Bhraman policy?
Ans: No. Bajaj General does not allow its policyholders to extend their Bharat Bhraman policy. If you need coverage beyond the policy tenure, you can purchase a fresh policy. However, the duration of the original policy should be less than 12 months.
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