{"uin":"BAJTIOP24008V022324","name":"Travel ACE (International)","url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Travel ACE (International) is an overseas travel insurance product with single-trip and annual multi-trip options covering accident, medical, trip, baggage, passport, liability and other contingencies. Annual multi-trip policies run for one year with per-trip durations of 30/60/90/120 or 180 days, and emergency pre-existing disease care is covered up to 3000 USD per policy period.","analysis":{"state":"machine","analysed_at":"2026-10-20 02:49:43.607449+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Travel Ace Standard - USD 50,000","Travel Ace Silver - USD 1,00,000","Travel Ace Gold - USD 200,000","Travel Ace Platinum - USD 500,000","Travel Ace Super Age - USD 50,000","Travel Ace Corporate Lite - USD 250,000","Travel Ace Corporate Plus - USD 500,000"],"display":"Travel Ace Standard, Silver, Gold, Platinum, Super Age, Corporate Lite and Corporate Plus","note":"From the sales brochure; the policy wording describes the product as modular rather than listing these named plan variants.","quote":"• Travel Ace Standard - USD 50,000 ... • Travel Ace Silver - USD 1,00,000 Travel Ace Gold - USD 200,000 ... Travel Ace Platinum - USD 500,000 ... Travel Ace Super Age - USD 50,000 ... • Travel Ace Corporate Lite - USD 250,000 ... Travel Ace Corporate Plus - USD 500,000","sources":[{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2930#c-s1"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Annual Multi Trip Policy will be issued for one year. For a single trip, cover runs from the date the insured first boards the mode of transportation to finally leave the country of residence until the scheduled expiry date or actual return to the country of residence, whichever is earlier.","display":"Annual multi-trip: 1 year; single trip: from departure boarding to scheduled expiry or actual return, whichever is earlier","note":null,"quote":"Annual Multi Trip Policy will be issued for one year. ... Date of Commencement of Insurance cover mentioned in the Policy Schedule, being the date on which the Insured first boards the mode of transportation by which he finally leaves the Country of Residence for the insured Trip ... Date of expiry of insurance cover as mentioned in the Policy Schedule or the actual date on which Insured returns to the Country of Residence, whichever is earlier.","sources":[{"clause":"35(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-35-i"},{"clause":"35(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-35-i-2"},{"clause":"35(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-35-ii-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For medical hospitalization, notify the insurer immediately or within 24 hours. Sections 1, 2 and 3 must be notified within 14 days from the date of loss; all other claims must be notified immediately within 7 days from the date of loss, with claim forms and proof within 30 days.","display":"Medical hospitalization: immediately or within 24 hours; Sections 1-3: within 14 days; other claims: immediately within 7 days; documents within 30 days","note":"The same notification clause also says emergency hospitalization is to be informed within 48 hours and planned hospitalization 48 hours prior, but later in the same clause says planned hospitalization at least 7 days in advance and emergency within 24 hours or as soon as possible before discharge.","quote":"In case of medical hospitalization, please notify us immediately or within 24 hours. ... In respect of any claim under section 1,2 and 3 , the Insured Person or if deceased, his legal heirs or other legal representative, shall notify the Insurance Company/ Claims Administrator within 14 days from the date of loss ... For all other Claims, the Insured Person shall notify the Insurance Company / Claims administrator of the company, immediately within 7 days from the date of loss ... Completed claim forms/ Documents and written evidence/ proof of loss, must be submitted to the Company or Claims Administrator of the Company within thirty (30) days from the date of such loss.","sources":[{"clause":"1(I)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-1-i"},{"clause":null,"heading":"2. Notifications of Claims-","page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-2-notifications-of-claims"},{"clause":"9(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-9-a-3"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Claim Form (to be filled and signed by Insured Person)","NEFT form and Cancelled cheque stating Insured Person's (nominee in case of death claim) Claimant Indian Bank account details","Aadhaar card & PAN card Copies","Receipts of Invoices and Bills provided in support of Claim amount","Passport and Visa copy with Entry Stamp Overseas and exit Stamp from India","Release of Medical Information Form (ROMIF) BAJAJ and Assistance Provider"],"display":"Claim form, NEFT/cancelled cheque, Aadhaar and PAN, bills and receipts, passport and visa copies, and ROMIF for medical claims","note":"Section-wise additional documents are also required depending on the cover claimed.","quote":"1 | Claim Form (to be filled and signed by Insured Person) | You can contact us on our toll free numbers, or email us at travel@bajajgeneral.com to obtain a Claim procedure and related documents. ... 2 | NEFT form and Cancelled cheque stating Insured Person's (nominee in case of death claim) Claimant Indian Bank account details ... 3 | Aadhaar card & PAN card Copies is as per the IRDAI guidelines read with ... 4 | Receipts of Invoices and Bills provided in support of Claim amount ... 5 | Passport and Visa copy with Entry Stamp Overseas and exit Stamp from India ... 6 | Release of Medical Information Form (ROMIF) BAJAJ and Assistance Provider (to be filled and signed by Insured) to obtain the medical records from facility in case of claim in II. Medical Contingencies","sources":[{"clause":"Row 1","heading":"Claim Form (to be filled and signed by Insured Person)","page":38,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-row-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"The policy wording says the company shall settle or reject a claim within 30 days from receipt of the last necessary document. If investigation is needed, it must be completed within 30 days from the last necessary document and the claim settled or rejected within 45 days from that date; delay attracts interest at 2% above bank rate.","display":"30 days from last necessary document; 45 days if investigation is warranted; interest at 2% above bank rate for delay","note":"CIS says: 'Turnaround time (TAT) for claim settlement:14 days working days from complete set of claim documents'. The policy wording has been used as the higher-authority document.","quote":"The Company shall settle or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document. ... it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, the Company shall settle or reject the claim within 45 days from the date of receipt of last necessary document. ... In case of delay beyond stipulated 45 days, the Company shall be liable to pay interest to the policyholder at a rate 2% above the bank rate from the date of receipt of last necessary document to the date of payment of claim. ... Turnaround time (TAT) for claim settlement:14 days working days from complete set of claim documents","sources":[{"clause":"5(a)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-5-a"},{"clause":"5(c)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-5-c"},{"clause":"5(d)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-5-d"},{"clause":"17(b)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2905#c-17-b-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["The Insured Person’s participation in any naval, military or air force operations","War, invasion, acts of foreign enemy, hostilities (whether war be declared or not)","Ionising radiation or contamination by radioactivity form any nuclear waste","The Insured Person’s actual or attempted engagement in any criminal or other unlawful act","Any consequential losses","travel by the Insured Person to any country against whom the Republic of India has imposed general or special travel restrictions","air travel unless he flies as a passenger on an Airline","Any routine physical or other examination, vaccination, vitamins where there is no objective indication of impairment of normal health","Any medical treatment obtained in India except that is covered under sub-section Emergency Medical Evacuation","Travelling against the advice of a Physician","Any Pre-existing ailment or disease unless there is Medical Emergency where “Emergency Medical Care” is required or you have ”opted for “Extension 3: Pre- Existing Illness And Injury Cover”","Suicide, attempted suicide or wilful Self-inflicted injury or Illness.","Pregnancy, resulting childbirth, miscarriage, abortion, medical termination of pregnancy or complication arising out of any of the foregoing.","Cost of Experimental, unproven or non-standard treatment.","Cosmetic surgery unless required due to accidental injuries."],"display":"Military operations, war, nuclear/asbestos, criminal acts, consequential loss, restricted countries, non-airline air travel, routine care, India treatment except evacuation, travel against medical advice, PED except emergency/optional cover, suicide/self-harm, pregnancy, experimental treatment and cosmetic surgery","note":null,"quote":"The Insured Person’s participation in any naval, military or air force operations whether in the form of military exercises or war games or actual engagement with the enemy, whether foreign or domestic. ... War, invasion, acts of foreign enemy, hostilities (whether war be declared or not), civil war, civil unrest, rebellion, revolution, insurrection, military or usurped power ... Ionising radiation or contamination by radioactivity form any nuclear waste from combustion of nuclear fuel ... The Insured Person’s actual or attempted engagement in any criminal or other unlawful act. ... Any consequential losses. ... In respect of travel by the Insured Person to any country against whom the Republic of India has imposed general or special travel restrictions ... The Insured Person engaging in air travel unless he flies as a passenger on an Airline. ... Any routine physical or other examination, vaccination, vitamins where there is no objective indication of impairment of normal health ... Any medical treatment obtained in India except that is covered under sub-section Emergency Medical Evacuation ... Travelling against the advice of a Physician; ... Any Pre-existing ailment or disease unless there is Medical Emergency where “Emergency Medical Care” is required or you have ”opted for “Extension 3: Pre- Existing Illness And Injury Cover” ... Suicide, attempted suicide or wilful Self-inflicted injury or Illness. ... Pregnancy, resulting childbirth, miscarriage, abortion, medical termination of pregnancy or complication arising out of any of the foregoing. ... Cost of Experimental, unproven or non-standard treatment. ... Cosmetic surgery unless required due to accidental injuries.","sources":[{"clause":"1","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-1-23"},{"clause":"2","heading":null,"page":25,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-2-20"},{"clause":"3","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-3-17"},{"clause":"4","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-4-11"},{"clause":"5","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-5-7"},{"clause":"6","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-6-4"},{"clause":"7","heading":null,"page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-7-3"},{"clause":null,"heading":"II. SECTION 5: “SICKNESS MEDICAL EXIGENCIES” AND SECTION 6 “ACCIDENTAL MEDICAL EXIGENCIES”","page":26,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-ii-section-5-sickness-medical-exigencies-and-sec"},{"clause":"7(ii)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-7-ii-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First send the grievance in writing by post or email to the insurer’s Grievance Redressal Officer at the Customer Care Cell, Bajaj General Insurance Limited, Bajaj Insurance House, Airport Road, Yerawada, Pune 411 006, email careforyou@bajajgeneral.com. If it is not resolved within 15 days or the resolution is unsatisfactory, the policy says the insured can approach IRDAI and then the Insurance Ombudsman.","display":"Write first to the Grievance Redressal Officer / Customer Care Cell at careforyou@bajajgeneral.com; after 15 days or unsatisfactory response, approach IRDAI, then Ombudsman","note":null,"quote":"If You have a grievance about any matter relating to the Policy, or Our decision on any matter, or the claim, You can address Your grievance as follows: 1. Our Grievance Redressal Officer You can send Your grievance in writing by post or email to Our Grievance Redressal Officer at the following address: Address including email Customer Care Cell Bajaj General Insurance Limited Bajaj Insurance House, Airport Road, Yerawada, Pune 411 006 E-mail: careforyou@bajajgeneral.com ... In case it is not resolved within 15 days or if You are unhappy with the resolution You can approach the Grievance Redressal Cell of the Consumer Affairs Department of IRDAI ... You can approach the Insurance Ombudsman depending on the nature of grievance and financial implication, if any.","sources":[{"clause":null,"heading":"CLAUSE K - GRIEVANCES","page":74,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-clause-k-grievances"},{"clause":"8(a)","heading":null,"page":74,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-8-a-4"},{"clause":null,"heading":"3. Insurance Ombudsman","page":74,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-3-insurance-ombudsman"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Personal Accident","Accidental Death & Disability- Common Carrier (AD&D)","Sickness Medical Exigencies","Accidental Medical Exigencies","Emergency Dental Pain Relief","Hospitalization Daily Allowance","Trip and Event Cancellation","Trip Interruption","Missed Connection","Loss of Checked-in Baggage","Delay of Checkedin Baggage","Loss of Personal Belonging","Personal Liability","Loss of Passport and Driving License","Emergency Cash Assistance Service","Home Burglary and Robbery Insurance","Standard Fire And Special Perils Cover","Trip Delay Delight","All Risk Trip and Event Cancellation"],"display":"Accident, medical, trip, baggage, personal belongings, liability, passport, emergency cash, domestic home covers and all-risk trip delay/cancellation covers","note":"The insured must opt for one or more covers; applicable covers are those shown in the policy schedule.","quote":"Section 1 | Personal Accident | Section 2 | Accidental Death & Disability- Common Carrier (AD&D) ... Section 5 | Sickness Medical Exigencies | Section 8 | Hospitalization Daily Allowance ... Section 6 | Accidental Medical Exigencies ... Section 7 | Emergency Dental Pain Relief ... Section 13 | Trip and Event Cancellation | Section 17 | Ticket Overbooking ... Section 14 | Trip Interruption | Section 18 | Loss of Checked-in Baggage ... Section 15 | Missed Connection | Section 19 | Delay of Checkedin Baggage ... Section 20 | Loss of Personal Belonging | Section 26 | Pre-Booked Meal Cover ... Section 21 | Personal Liability ... Section 22 | Loss of Passport and Driving License ... Section 31 | Emergency Cash Assistance Service ... Section 33 | Home Burglary and Robbery Insurance ... Section 34 | Standard Fire And Special Perils Cover ... Section 41 | Trip Delay Delight | Section 42 | All Risk Trip and Event Cancellation","sources":[{"clause":"Section A(I)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-a-i"},{"clause":"Section A(II)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-a-ii"},{"clause":"Section A(III)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-a-iii"},{"clause":"Section A(IV)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-a-iv"},{"clause":"Section A(V)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-a-v"},{"clause":"Section A(VII)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-a-vii"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"Before commencement of the risk period, if no claim has been made, the insurer deducts INR 250 plus applicable tax and refunds the premium paid. After commencement or on early return, refund is pro-rata or as per the short-period tables, with no claim considered once the policy is cancelled at the insured’s request.","display":"Before risk starts: premium refund after INR 250 + tax if no claim; early return: refund as per table, from 65% within 20% of policy period to 0% after 50%","note":"The policy also has a separate annual-policy refund table for annual policies of 1, 2 or 3 years.","quote":"You may terminate this Policy at any time before the commencement of the Risk Period, by giving Us written notice and the Policy shall terminate. If no claim has been made under the Policy, We will deduct INR 250 + applicable tax as cancellation charges and will refund the premium paid ... After the commencement of Insured Journey, if the part of the policy days are utilised & the customer makes a request for cancellation before arriving back to India, refund will be on prorate basis. ... Within 20% of the policy period | 65.0% ... Exceeding 50% of the policy period | 0.0% ... No claim will be considered under this policy once cancelled on the request of Insured.","sources":[{"clause":"8","heading":"Cancellation","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-8-3"},{"clause":null,"heading":"For Polices with Term less than 1 year","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-for-polices-with-term-less-than-1-year"},{"clause":null,"heading":"For Annual Policies","page":33,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-for-annual-policies"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The insured journey is to a destination outside India and the annual multi-trip policy covers trips from the country of residence to overseas destinations and back. The policy is active only during the trip abroad, with limited India transit or domestic covers where specifically opted.","display":"Overseas destinations outside India; active only during the trip abroad, with specified India transit/domestic covers if opted","note":null,"quote":"“Insured Journey” means a single journey to a destination outside of India (departure and arrival), which is undertaken during the Policy Period. ... Annual Multi Trip Policy- shall mean policy allowing Insured to undertake one or more Trip(s) during the Policy Period from his/her Country of Residence to overseas destinations and back ... Policy will be active only during Your trip abroad. ... Personal Accident Cover in India The commencement date of the policy shall be the date on which the Insured travels from his Country of residence to the Airport","sources":[{"clause":"24","heading":"“Insured Journey”","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-24"},{"clause":"48","heading":"Annual Multi Trip Policy","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-48"},{"clause":"35(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-35-i"},{"clause":"35(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-35-i-2"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"Sickness Medical Exigencies and Accidental Medical Exigencies indemnify usual, reasonable and customary medical expenses for illness or accidental injury first sustained or contracted on the insured trip, up to the sum insured or sub-limit in the Policy Schedule. The sales brochure shows plan medical sums of USD 50,000, USD 100,000, USD 200,000, USD 500,000 and corporate variants of USD 250,000 or USD 500,000.","display":"Emergency sickness and accident medical expenses outside India up to the policy sum insured; brochure plan limits range from USD 50,000 to USD 500,000","note":"Plan-limit figures are from the sales brochure; the policy schedule controls the selected sum insured and any sub-limit.","quote":"We will indemnify You, for Usual, Reasonable and Customary expenses up to Sum Insured shown in the Policy Schedule in the event of medically admissible sickness /illness/disease first sustained or contracted while on Your Insured Trip within the Policy Period. ... We will indemnify You, for Usual, Reasonable and Customary expenses up to Sum Insured or up to a sub limit shown in the Policy Schedule in the event of medically admissible accidental injury first sustained or contracted while on Insured Trip within the Policy Period. ... Medical Expenses: We will pay You for Medical expenses incurred by You for treatment outside India ... Section 5 | Sickness Medical Exigencies | 50000 | 100000 | 200000 | 500000 | 50000 | 250000 | 500000 | USD100 ... Section 6 | Accidental Medical Exigencies | 50000 | 100000 | 200000 | 500000 | 50000 | 250000 | 500000 | USD100","sources":[{"clause":"Section 5","heading":"SICKNESS MEDICAL EXIGENCIES","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-5"},{"clause":"Section 6","heading":"ACCIDENTAL MEDICAL EXIGENCIES","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-6"},{"clause":"1","heading":"Medical Expenses","page":11,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-1-4"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2930#c-s1"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Emergency medical care of pre-existing diseases is covered up to maximum 3000 USD per policy period if treatment starts within 24 hours of the emergency event and is paid until the insured is medically stable or relieved from the life-threatening condition. A paid Extension 3 can cover pre-existing illness/injury and related complications up to the limit specified in the Policy Schedule.","display":"Emergency PED care up to 3000 USD per policy period; optional Extension 3 covers PED up to schedule limit","note":"The broader pre-existing illness and injury cover is an optional extension for additional premium.","quote":"Medical and related expenses incurred by the Insured for Emergency Medical care of Pre-existing diseases, up to maximum 3000 USD per Policy Period, which includes expenses for medical treatment required due to an Accident or sudden beginning or worsening of a severe Illness which presents an immediate threat to Your health provided that such medical treatment must start within 24 hours of the emergency event. The treatment for these emergency measures would be paid till the insured becomes medically stable or is relieved from emergency life threatening condition. ... On Payment of additional premium to Us, We hereby agree and declare that this Policy is extended to indemnify You for Section “Sickness Medical Exigencies” and “Accidental Medical Exigencies” indemnifying Pre-existing illness/injury and its related complications up to limit specified in Policy Schedule.","sources":[{"clause":"4","heading":null,"page":12,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-4-3"},{"clause":null,"heading":"EXTENSION 3: PRE- EXISTING ILLNESS AND INJURY COVER","page":13,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-extension-3-pre-existing-illness-and-injury-cove"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Trip and Event Cancellation indemnifies non-recoverable costs for accommodation, pre-booked events, tours, excursions, activities, international SIM card charges and travel charges when the insured trip from India is necessarily and unavoidably cancelled before commencement for listed reasons. Trip Interruption indemnifies similar non-recoverable costs, including early flight fare difference and en-route emergency accommodation extension, after commencement when plans must change.","display":"Non-recoverable accommodation, events/tours/activities, SIM and travel charges for covered cancellation; similar costs plus early return fare and emergency accommodation for interruption","note":"Payable only for the listed covered conditions and up to the limits shown in the Policy Schedule.","quote":"In case of necessary and unavoidable cancellation of Your insured trip from India prior to its commencement, We will indemnify You for the financial losses arising out of following: • cancellation of accommodation, • cancellation of pre-booked events, tours, excursions and activities, • International SIM card charges, • Travel charges Which are paid or contracted to be paid by You and are not recoverable from any source, subject to limits shown in the Policy Schedule. ... In case of necessary and unavoidable change of plans after commencement of the journey, We will indemnify You for the financial losses incurred within the policy period arisen due to Your early return towards following expenses • cancellation of accommodation, • cancellation of events, tours, excursions and activities, • Travel charges including early flight for difference in air fare. • En-route emergency accommodation extension","sources":[{"clause":"Section 13","heading":"TRIP AND EVENT CANCELLATION","page":15,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-13"},{"clause":"Section 14","heading":"TRIP INTERRUPTION","page":16,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-14"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"Loss of Checked-in Baggage pays the specified sum insured for complete and permanent loss of checked-in baggage including contents. Delay of Checked-in Baggage pays the sum insured if checked-in baggage is delayed beyond the deductible hours mentioned in the Policy Schedule.","display":"Checked-in baggage loss: complete and permanent loss up to schedule sum insured; baggage delay: sum insured after schedule deductible hours","note":null,"quote":"We will pay You Sum Insured specified in the Policy Schedule in respect of the complete and permanent loss of Your Checked-In Baggage including contents therein. ... We shall pay You the Sum Insured mentioned in the Policy Schedule in case Your checked-in baggage is delayed beyond the deductible hour mentioned in the Policy Schedule.","sources":[{"clause":"Section 18","heading":"LOSS OF CHECKED-IN BAGGAGE","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-18"},{"clause":"Section 19","heading":"DELAY OF CHECKED-IN BAGGAGE","page":17,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-19"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"quote-verified","value":"The policy pays expenses necessarily incurred in obtaining a duplicate passport, driving licence or temporary permit, including necessary and reasonable replacement costs and travel costs to the respective Government Office, subject to the sum insured in the Policy Schedule.","display":"Costs of duplicate passport/Driving License/temporary permit, including travel to Government Office, up to schedule sum insured","note":null,"quote":"Necessary and reasonable cost of replacing Your passport and or Driving License costs You incur in getting a replacement passport/Driving Licence/temporary permit (this would include travel costs to respective Government Office incurred to obtain for Passport/ Driving License) ). In the event of loss of Your passport / Driving License/ temporary permit, We will pay You expenses necessarily incurred by You in obtaining a duplicate passport/ Driving License/ temporary permit subject to maximum of Sum insured specified in Policy Schedule.","sources":[{"clause":"Section 22","heading":"LOSS OF PASSPORT/ DRIVING LICENSE","page":19,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-section-22"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"The policy wording says the medical sickness/accident excess is self-paid and the rest of the benefit excesses apply as stated in the Policy Schedule. The sales brochure shows USD100 deductible for Sickness Medical Exigencies and Accidental Medical Exigencies, and USD 25 for Emergency Dental Pain Relief.","display":"Medical sickness/accident: USD100; Emergency Dental Pain Relief: USD 25; other benefits as per Policy Schedule","note":"Deductible figures are from the sales brochure; the policy wording makes the Policy Schedule controlling for the applicable excess.","quote":"For medical sickness/accident there is a policy excess which the Insured Person will have to self-pay and this amount cannot be claimed. Policy excess for rest of the benefits will be applicable as per Policy Schedule and will be applicable foe each and every claim. ... Section 5 | Sickness Medical Exigencies | 50000 | 100000 | 200000 | 500000 | 50000 | 250000 | 500000 | USD100 ... Section 6 | Accidental Medical Exigencies | 50000 | 100000 | 200000 | 500000 | 50000 | 250000 | 500000 | USD100 ... Section 7 | Emergency Dental Pain Relief | 500 | 500 | 500 | 500 | 500 | 500 | 500 | USD 25","sources":[{"clause":"3","heading":"Policy Excess/Deductible","page":30,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-3-19"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2930#c-s1"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"For annual multi-trip policies, an individual journey is covered only up to the maximum trip duration specified in the Policy Schedule, which may be 30, 60, 90, 120 or 180 days. The sales brochure single-trip premium tables show travel-day bands up to 151-180 days.","display":"Annual multi-trip per trip: 30/60/90/120 or 180 days; single-trip brochure tables go up to 151-180 travel days","note":"The single-trip 151-180 day band is from the sales brochure; the policy wording itself gives the annual multi-trip per-trip maximum choices.","quote":"In case of individual journey during the Insured Period, the policy shall not pay for any contingency occurring beyond the maximum trip duration specified (30/60/90/120 or 180\ndays) in Policy Schedule. ... 151-180 | 5679 | 10764 | 16395 | 42142 | 13888 | 22577 | 31034 | 75129 | 6619 | 12294 | 18581 | 16005 | 25821 | 35377","sources":[{"clause":"35(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-35-i"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2930#c-s1"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"quote-verified","value":{"unit":"days","amount":15},"display":"15 days for Annual Multi Trip Policy; not applicable to Single Trip Insurance","note":"Available for annual multi-trip policies only, provided no trip has commenced; not available for renewal.","quote":"Single Trip Insurance - Free look period is not applicable. ... Annual Multi Trip Policy - You have a period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy provided no trip has been commenced.","sources":[{"clause":"9(a)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-9-a"},{"clause":"9(b)","heading":null,"page":34,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-9-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"The policy wording states the eligible entry age limit as 1 day to Lifetime. The sales brochure shows plan-specific age bands: Standard, Silver, Gold, Platinum and Corporate Plus 0-70 yrs, Super Age 70+, and Corporate Lite 0-120 yrs.","display":"1 day to Lifetime","note":"The plan-specific age bands are from the sales brochure.","quote":"Eligible Entry Age Limit ... 1 day to Lifetime ... Age | 0-70 yrs | 0-70 yrs | 0-70 yrs | 0-70 yrs | 70+ | 0-120 yrs | 0-70 yrs","sources":[{"clause":"2","heading":"Eligible Entry Age Limit","page":32,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911#c-2-23"},{"clause":null,"heading":null,"page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2930#c-s1"}],"law":[]}],"documents":[{"kind":"wording","label":"Travel ACE (International) Brochure","pages":78,"fetched_at":"2026-10-17 19:32:10+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/travel-insurance/Travel-Ace/Travel-Ace-Policy-Wordings.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2911"},{"kind":"cis","label":"Travel ACE (International) customer information sheet","pages":13,"fetched_at":"2026-10-17 19:32:04+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/travel-insurance/Travel-Ace/travel-ace-int-cis.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2905"},{"kind":"brochure","label":"Travel ACE (International) Brochure","pages":8,"fetched_at":"2026-10-17 19:32:58+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/travel-insurance/Travel-Ace/Travel-Ace-Policy-brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324/document/2930"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Bajaj General Insurance official website","url":"https://www.bajajgeneralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.bajajgeneralinsurance.com/general-insurance-claims.html","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Online grievance form","url":"https://www.bajajgeneralinsurance.com/forms/form-online-grievance.html","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Travel ACE (International) (UIN BAJTIOP24008V022324), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/travel-ace-international-bajtiop24008v022324"}