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Bajaj General Bharat Bhraman is a domestic travel insurance policy designed for journeys within India. The insurer lists options for travel by e-commerce cab, bus, train, scheduled airline and multiple modes of transport. Depending on the selected plan and policy schedule, benefits can include personal accident cover, accidental hospitalisation expenses, emergency medical evacuation, hospital daily allowance, personal liability, trip cancellation, missed connection, checked baggage loss or delay, scheduled-aircraft delay and home burglary protection while travelling. A child education benefit may also apply under the relevant terms. The policy offers configurable coverage, so the actual sum insured, covered events, deductibles and benefit limits must be checked before purchase.
Choose travel protection for journeys by cab, bus, train, scheduled airline or multiple modes
Bharat Bhraman is worth considering for travellers who want protection for domestic journeys beyond medical expenses alone. Its transport-specific options and listed travel-disruption benefits can be useful, particularly when a trip involves flights, rail, bus or multiple modes. However, the exact benefits depend on the plan selected and the policy schedule; do not assume that every listed benefit applies to every transport option. Check the sum insured, exclusions, claim documentation, trip eligibility and any add-on conditions before buying. Premiums depend on factors such as the journey, duration, sum insured and chosen benefits, so a current quote is more reliable than a generic starting price.
Bajaj General
Key Insights
Founded
2001
Bajaj General was established 25 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
97.4% CSR, calculated as a 3-year average
Bajaj General settles 97.4% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-209-5858
Headquarters: Bajaj Insurance House, Airport Road, Yerawada, Pune - 411006, India
Provides the specified benefit for covered accidental death or permanent total disability during the insured journey.
Payable amount and eligibility are governed by the policy schedule and wording.
The insurer describes an additional education benefit for eligible dependent children in qualifying accidental death or disability cases.
The insurer’s product page describes 2% of the sum insured per eligible child, up to two children; verify exact terms in the issued wording.
May cover eligible hospitalisation expenses arising from an accidental bodily injury during the insured journey.
Subject to benefit limits, admissibility conditions and the policy schedule.
Eligible day-care procedures and surgeries arising from a covered accident may be included.
Confirm the covered procedures and limits in the selected plan wording.
A specified daily benefit may be payable for qualifying hospitalisation following accidental bodily injury.
Applicable daily amount and maximum payable duration are plan-specific.
Optional cover for qualifying delays affecting the insured journey, as defined by the add-on wording.
Eligibility, covered reasons and benefit limits apply.
Optional baggage-tracking service for a delayed bag.
Service availability and terms are governed by the applicable add-on.
Check the policy wording for conditions applicable to each benefit. This is travel insurance, not an unrestricted substitute for regular health insurance; medical and accident-related benefits are subject to the policy terms.
Conditions or treatments that the policy clearly says it will not cover.
Accidental hospitalisation, emergency evacuation and other medical-related benefits are subject to the selected cover, insured limits, admissibility conditions and exclusions. Pre-existing conditions and routine examinations are among the exclusions highlighted on the insurer’s product page.
Insurer
Bajaj General plans and claim process
Bharat Bhraman is Bajaj General’s domestic travel insurance policy for eligible journeys within India. Benefits depend on the selected plan and policy schedule.
The insurer lists options for e-commerce cab, bus, train, scheduled airline and multiple modes of transport. Select the option matching your journey and verify the issued schedule.
The premium depends on factors such as journey details, duration, sum insured, selected plan and optional benefits. Obtain a current quote from Bajaj General for the exact price.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Bajaj General website before purchasing.
Official Website
bajajallianz.com
Visit the official Bajaj General website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
May cover eligible expenses when the journey must be shortened or changed for a covered reason.
Covered events, documentation and limits apply.
May cover eligible medical expenses for specified adventure sports undertaken non-professionally under trained supervision.
Activity eligibility and safety conditions must be checked in the add-on wording.
Optional protection for covered loss of personal baggage due to specified events such as theft or robbery.
Subject to the add-on definition, proof requirements and limits.
The policy lists personal accident protection and eligible accidental hospitalisation benefits. Payable amounts and conditions depend on the selected cover.
Emergency medical evacuation is listed as a benefit. Check the selected plan’s limits and the conditions for arranging eligible ambulance transportation.
Trip cancellation is listed among the benefits. Only cancellations meeting the policy’s covered reasons, timing rules and documentation requirements qualify.
The policy lists checked-baggage loss and delay benefits. Qualifying events, delay thresholds, evidence and benefit limits depend on the policy wording.
Home burglary protection is listed as a benefit while travelling. Check the applicable section for insured property, conditions, exclusions and limits.
The insurer lists Trip Delay Delight, Track-a-Baggage, Trip Curtailment, Adventure Sports Benefit and Loss of Personal Baggage. Confirm availability and price for your selected plan.
Do not assume they are covered. The insurer’s product page lists pre-existing conditions among exclusions; read the current policy wording for the applicable terms.
The insurer states that there is no entry-age restriction. Confirm the current eligibility conditions for all insured members in the quote and policy documents.
Follow the claims instructions in your policy documents. Notify the insurer as required and retain tickets, receipts, medical records, carrier reports and other supporting evidence relevant to the claim.
Visit Bajaj General’s official Bharat Bhraman domestic travel insurance page and open the policy documents section for the applicable wording and brochure.