Bajaj General Annual Multi Trip Travel Insurance
Bajaj General Annual Multi-Trip Travel Insurance offers year-long protection for frequent international travellers under a single policy. It covers multiple overseas trips during the policy period, with benefits such as emergency medical coverage, baggage protection, trip disruption cover, passport loss assistance, and cashless hospitalization, making it a cost-effective alternative to buying separate travel insurance for every journey.
public Worldwide Annual Travel Protection medical_servicesEmergency Medical Coverage event_available Multiple Trips Covered For 1 YearGet Your Instant Multi Trip Travel Insurance Quote Now at 0% GST
Who Should Buy Bajaj General Annual Multi-Trip Travel Insurance?
- Ideal for frequent international travellers who take multiple overseas trips each year.
- Suitable for business travellers who travel abroad regularly.
- Provides year-round coverage under a single policy, eliminating the need to buy insurance for every trip.
- Covers multiple trips during the policy period, with each trip typically limited to 30-45 days (as per the selected plan and policy terms).
- Helps protect travellers with comprehensive coverage for unexpected travel-related risks, making international journeys more convenient and secure.
Is Bajaj General Multi Trip Travel Insurance Worth It for Frequent Travellers?
Bajaj General Annual travel insurance is designed for individuals, corporate and business travelers who travel frequently, whether for business or leisure, offering a range of advantages over single-trip policies. Here are the key reasons to consider purchasing this type of insurance:
- Cost Efficient / Cheaper when compared to Single trip - If you take multiple trips in a year, Annual Multi-trip insurance is often more economical than buying separate single-trip policies for each journey. The cumulative cost of multiple single-trip plans usually exceeds that of a single annual policy, making it a cost-effective solution for frequent travelers.
- Convenience and Time Savings - With an annual policy, you only need to purchase insurance once for the entire year, eliminating the hassle of arranging coverage before every trip. This saves time and simplifies your travel preparations, as you don’t have to repeatedly enter your details or compare policies for each new journey.
- Comprehensive and Continuous Coverage - Annual Multi-trip plans provide extensive protection for all trips taken during the policy period, typically up to a year. Coverage usually includes medical emergencies, trip cancellations or delays, loss of baggage or personal belongings, emergency medical evacuation, and even personal liability.
- Flexibility for Frequent and Spontaneous Travelers: These policies are particularly suitable for people who travel often for work or leisure, including last-minute or unplanned trips. You are automatically covered for any trip within the policy year, so you don’t have to worry about arranging insurance at the last minute.
- Unlimited Number of Trips per Year - Most annual multi-trip insurance plans allow for an unlimited number of trips within the policy year, with each trip covered up to a maximum duration (often 30, 60, or 90 days per trip, depending on the policy).
- Preparedness for Unforeseen Events - Beyond medical emergencies, these plans typically cover travel disruptions like flight delays, cancellations, loss of baggage or passport, and even personal liability for accidental damage or injury caused to others during your travels.
- Peace of Mind - Knowing you have continuous, year-round coverage allows you to focus on your travel plans rather than insurance logistics, ensuring you are always protected against unexpected events wherever and whenever you travel.
Single Trip vs Annual Multi-Trip Travel Insurance: Which One Is Right for You?
| Aspect | Single Trip Insurance | Annual Multi-Trip Insurance |
|---|---|---|
| Coverage Duration | One specific trip | Multiple trips within a year |
| Cost Efficiency | More expensive per trip | Cost-effective for frequent travelers |
| Convenience | Buy for each trip | One-time purchase for all trips in a year |
| Suitability | Infrequent travelers | Frequent travelers |
| Coverage | One trip at a time | Continuous for all trips in policy year |
| Preparation | Must arrange before each trip | Always ready for spontaneous trips |
Who Should Buy Annual Multi-Trip Travel Insurance?
An Annual Multi-Trip Travel Insurance policy is an ideal choice for travelers who make several trips throughout the year and want continuous protection without the hassle of purchasing a new policy every time they travel. It is especially suitable for:
- Frequent business travelers - who travel internationally multiple times a year for work.
- Individuals, couples, or families - planning several domestic or international vacations within a 12-month period.
- Travelers who often book trips at short notice, ensuring they are covered without needing to arrange insurance each time.
- Students, consultants, entrepreneurs, and professionals - who travel regularly for education, conferences, or client meetings.
- Anyone looking for convenience, cost savings, and comprehensive travel protection - under a single annual policy instead of buying multiple single-trip plans.
How Much Does Bajaj General Travel Prime Corporate Travel Insurance Cost?
Corporate Travel Companion with a per-trip limit of 30 days (Worldwide Including USA/CANADA)
| Age in Years | Corporate Lite | Corporate Plus | Corporate Age Lite |
|---|---|---|---|
| 18-40 Years | ₹4,411 | ₹5,087 | Not Avilable |
| 41-60 Years | ₹4,620 | ₹5,214 | Not Avilable |
| 61-70 Years | Not Avilable | Not Avilable | ₹8085 |
Corporate Travel Elite with a per-trip limit of 30 days (Worldwide Including USA/CANADA)
| Age in Years | Elite Corporate Lite 2.5 Lakhs | Elite Corporate Plus 5 Lakhs | Corporate Age Elite 2 Lakhs |
|---|---|---|---|
| 18-40 Years | ₹5,070 | ₹5,854 | Not Avilable |
| 41-60 Years | ₹5,313 | ₹6,011 | Not Avilable |
| 61-70 Years | Not Avilable | Not Avilable | ₹9975 |
Travel Prime Corporate with per trip limit of 30 days (Worldwide Including USA/CANADA)
| Age in years | Lite USD 250,000 | Plus USD 500,000 | Maximum USD 1,000,000 | Age Lite USD 50,000 | Age Plus USD 200,000 |
|---|---|---|---|---|---|
| 0.6-40 Years | ₹4,752 | ₹5,486 | ₹6,892 | Not Avilable | Not Avilable |
| 41-60 Years | ₹4,969 | ₹5,633 | ₹7,077 | Not Avilable | Not Avilable |
| 61-70 Years | Not Avilable | Not Avilable | Not Avilable | ₹11,247 | ₹12,869 |
Travel Prime Corporate with per trip limit of 45 days (Worldwide Including USA/CANADA)
| Age in years | Lite USD 250,000 | Plus USD 500,000 | Maximum USD 1,000,000 | Age Lite USD 50,000 | Age Plus USD 200,000 |
|---|---|---|---|---|---|
| 0.6-40 Years | ₹5,165 | ₹5,962 | ₹7,491 | Not Avilable | Not Avilable |
| 41-60 Years | ₹5,402 | ₹6,123 | ₹7,692 | Not Avilable | Not Avilable |
| 61-70 Years | Not Avilable | Not Avilable | Not Avilable | ₹12,226 | ₹13,988 |
Travel Prime Corporate with per trip limit of 60 days (Worldwide Including USA/CANADA)
| Age in years | Lite USD 250,000 | Plus USD 500,000 | Maximum USD 1,000,000 | Age Lite USD 50,000 | Age Plus USD 200,000 |
|---|---|---|---|---|---|
| 0.6-40 Years | ₹5,784 | ₹6,678 | ₹8,388 | Not Avilable | Not Avilable |
| 41-60 Years | ₹6,050 | ₹6,858 | ₹8,615 | Not Avilable | Not Avilable |
| 61-70 Years | Not Avilable | Not Avilable | Not Avilable | ₹13,693 | ₹15,666 |
Bajaj General Annual Multi-Trip Travel Insurance Reviews
Trusted by thousands of Indians for General Annual travel insurance, read real reviews from verified customers who purchased Bajaj General Annual Trip travel insurance through eIndia insurance.
What Are the Coverage and Benefits of Bajaj General Annual Travel Insurance Plans?
| Coverages in USD | Corporate Lite | Corporate Plus | Deductible |
|---|---|---|---|
| Medical Expenses | $250,000 | $500,000 | $100 |
| Evacuation and Repatriation | Included under Medical Expenses | ||
| Personal Accident | 15000 | 15000 | Nil |
| Loss of Checked Baggage** | 1000 | 1000 | Nil |
| Delay of Checked Baggage | 100 | 100 | 12 hrs |
| Loss of passport | 250 | 250 | 25 |
| Hijack | $50 per day to max $300 | $50 per day to max $300 | Nil |
| Trip Delay | $20 per 12 hrs to max $100 | $20 per 12 hrs to max $100 | 12 hrs |
| Personal Liability | 2,00,000 | 2,00,000 | 100 |
| Hospitalization Daily Allowance | $25 per day to max $150 | $25 per day to max $150 | Nil |
| Total Coverage during the year maximum | 180 Days | 180 Days | Nil |
| Per Trip Duration of Maximum | 45 Days | 45 Days | Nil |
** Per Baggage maximum 50% and per item in the baggage 10%
| Coverages in USD | Corporate Lite | Corporate Plus | Deductible |
|---|---|---|---|
| Medical Expenses | $2,50,000 | $5,00,000 | $100 |
| Evacuation and Repatriation | Included under Medical Expenses | ||
| Personal Accident | $25000 | $25000 | Nil |
| AD & D Common Carrier | 5000 | 5000 | Nil |
| Loss of Checked Baggage** | $1000 | $1000 | Nil |
| Delay of Checked Baggage | 100 | 100 | 12 hrs |
| Loss of passport | 250 | 250 | 25 |
| Hijack | $60 per day to max $360 | $60 per day to max $360 | Nil |
| Trip Delay | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | 12 hrs |
| Personal Liability | 2,00,000 | 2,00,000 | 100 |
| Emergency Cash Advance*** | 1000 | 1000 | Nil |
| Golfer's Hole-in-one | 500 | 500 | Nil |
| Trip Cancellation | 1000 | 1000 | Nil |
| Home Burglary Insurance | Rs.200000 | Rs. 300000 | Nil |
| Trip Curtailment | $300 | $500 | Nil |
| Hospitalization Daily Allowance | $25 per day to max $125 | $25 per day to max $150 | Nil |
| Total Coverage during the year maximum | 180 Days | 180 Days | Nil |
| Per Trip Duration of Maximum | 45 Days | 45 Days | Nil |
** Per Baggage maximum 50% and per item in the baggage 10%
*** Only 50% of the Sum assured in respect of the death of the insured person below age of 18 years.
| Coverages in USD | Lite $250,000 |
Plus $500,000 |
Maximum $1,000,000 |
Age Lite(61 - 70 yrs) USD 50,000 |
Age Plus(61 - 70 yrs) USD 200,000 |
|---|---|---|---|---|---|
| Personal Accident* | $25,000 | $25,000 | $25,000 | $15,000 | $25,000 |
| Emergency Dental Pain Relief Deductible: 100 USD |
$500 | $500 | $500 | $500 | $500 |
| Repatriation Deductible: 100 USD |
$5,000 | $5,000 | $6,500 | $5,000 | $5,000 |
| Loss of Checked Baggage** | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
| Delay of Checked Baggage Deductible: 12 hrs |
$100 | $100 | $100 | $100 | $100 |
| Loss of Passport Deductible: $25 |
$250 | $250 | $300 | $250 | $250 |
| Personal Liability Deductible: $100 |
$200,000 | $200,000 | $350,000 | $100,000 | $100,000 |
| Hijack cover | $60 per day to maximum $360 | $60 per day to maximum $360 | $100 per day to maximum $500 | $50 per day to maximum $300 | $50 per day to maximum $300 |
| Trip Delay Deductible: 12 hrs |
$30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | $30 per 12 hrs to max $180 | $20 per 12 hrs to max $120 | 20 per 12 hrs to max $120 |
| Golfer’s Hole-in-one | $500 | $500 | $500 | - | - |
| Trip Cancellation | $1000 | $1000 | $1000 | - | - |
| Trip Curtailment | $300 | $500 | $500 | - | - |
| Accidental Death & Disability (Common Carrier) | $5,000 | $5,000 | $5,000 | - | - |
| Home Burglary Insurance | INR 200,000 | INR 200,000 | INR 250,000 | - | - |
| Emergency Cash Benefit*** | $1,000 | $1,000 | $1,000 | - | - |
| Maximum days of coverage in a year | 180 Days | ||||
| Per Trip Limit | 30, 45 and 60 days | ||||
*Indicates only 50 % of Sum Assured in respect of death of insured person below 18 years of age. e.g in case of death of insured person who is below age of 18 years total liability will become 50% of total SI for personal accident i.e 50%*10000 USD= 5000 USD
** Per Baggage maximum 50 % and per item in the baggage 10 %
*** Cash Advance would include delivery charges
Bajaj General Annual Multi Trip Travel Insurance - FAQs
Yes, annual multi-trip travel insurance does have certain limitations and exclusions that policyholders should be aware of:
Maximum Duration Per Trip : Each individual trip is covered only up to a specified maximum duration, typically ranging from 30 to 180 days, depending on the insurer and the plan. If your trip exceeds this limit, coverage for that trip will lapse for the period beyond 30/45/60 days, even though your annual policy remains active for other trips.
Pre-Existing Medical Conditions : Most annual multi-trip policies do not cover claims arising from pre-existing medical conditions unless it is a life-threatening emergency. Treatment for terminal illnesses, routine check-ups, and ongoing treatments are generally excluded. This however is similar to Single Trip policies also.
Age Limits : There are eligibility age ranges, often between 18 to 70 years, depending on the insurer. Travelers outside these age brackets may not be eligible for coverage or may face additional restrictions.
Claims Outside Coverage Period : Medical emergencies or other claims that occur before the start of your trip or after returning home are not covered, eventhough the policy is an Annual policy.
Annual multi-trip travel insurance saves money compared to single-trip policies primarily by offering coverage for multiple journeys within a year under a single premium, rather than requiring you to buy a new policy for each trip. Here’s how the savings work:
- Lower Cost Per Trip for Frequent Travelers: If you travel more than two or three times a year, the total cost of buying individual single-trip policies often exceeds the cost of one annual multi-trip policy. For example, if a single-trip policy costs ₹1,000 for a week in Europe, but an annual policy costs ₹3,500 , taking just three to four trips makes the annual policy cheaper per trip, and the savings increase with more trips.
- One-Time Payment and Convenience: With annual multi-trip insurance, you pay once and are covered for all trips within the policy year, eliminating repeated purchases and potentially saving on administrative fees or policy change charges that can add up with multiple single-trip policies.
- Break-Even Point: The break-even point-where annual insurance becomes more cost effective-typically occurs after three to four trips per year, depending on the destinations and length of each trip. Beyond this, each additional trip is essentially covered at no extra cost.
- Consistent Coverage: Annual policies provide continuous coverage, which can prevent gaps in protection and reduce the risk of forgetting to purchase insurance for a trip, potentially avoiding costly uninsured incidents.
Yes, several providers in India offer flexible trip coverage durations for annual multi-trip travel insurance, allowing customization based on individual needs:
Bajaj General: Provides different plan tiers with each trip duration starting from 30 days upto 180 days, with flexible sum insured and coverage features, allowing you to select a plan that matches your trip duration and preferences. They also offer coverage beyond 70 years of age.
These providers generally allow you to choose from preset trip duration options or customize your plan, ensuring you get coverage that aligns with your travel habits. However, the maximum allowable duration per trip is still subject to policy limits, so it’s important to review each provider’s terms to ensure the coverage fits your specific needs.
Yes, you can customize the trip duration for a single-trip travel insurance policy. When purchasing single-trip insurance, you specify the exact dates of your journey, and the policy is tailored to cover that period-from your departure to your return. Most providers allow you to select a trip duration that matches your travel plans, typically ranging from a minimum of 30 days up to a maximum of 180 days, depending on the insurer.
If your trip is unexpectedly extended, many insurers also offer the option to extend your existing single-trip policy, subject to certain conditions and maximum duration limits (often up to 365 days in total). Additionally, you can adjust or change your trip dates before the policy start date if your travel plans change.In summary, single-trip travel insurance is highly customizable regarding trip duration, allowing you to align coverage precisely with your specific travel needs.
If the insured traveler has taken a Annual policy with a single trip duration of 30 days, but unexpectedly their trip is extended by another 15 days, what options does the travel have?
Planned Extensions: If you voluntarily extend your trip (for example, choosing to stay longer for personal reasons), you will need to pay an additional premium for the extra days of coverage. The insurer will inform you of the exact premium amount based on the extended duration, your coverage level, and sometimes your age group.
Emergency Extensions: If your trip extension is due to uncontrollable circumstances such as airline cancellations, civil unrest, or severe weather, many insurers provide an emergency extension benefit. In such cases, you typically do not have to pay any additional premium for the extension, but this is usually limited to a specific number of days (often 7–15 days) and is subject to the terms mentioned in your policy document.
Process: To extend your policy, you usually need to contact your insurer before the policy expires, provide a valid reason, and pay the additional premium if required. The insurer will issue an extension / endorsement or updated certificate as proof of the extension.
Renewal »Useful Links
How Can I Renew My Bajaj General Travel Insurance Policy While Outside India?
Documents Required for Policy Extension / Renewal
- check_circle Filled and signed Good Health Declaration
- check_circle Copy of passport (first page, last page and departure stamp page)
- check_circle Air ticket copy of onward journey (travelled from India to overseas destination)
India Travel Insurance Blogs & Articles
Learn how to compare travel insurance plans and choose suitable coverage.
Read moreCompare medical treatment costs across popular international destinations.
Read moreUnderstand policy coverage, claims process and common exclusions.
Read moreCompare Bajaj General Travel Insurance with Other Providers
Bajaj General Annual Multi Trip Travel Insurance
Travel with confidence using Bajaj General Annual Multi Trip Travel Insurance. Whether you're traveling for leisure, business, studies, or visiting family overseas, the policy offers comprehensive protection against unexpected medical emergencies, hospitalization expenses, trip cancellations, baggage loss, passport loss, and travel disruptions. Enjoy worldwide assistance, cashless hospitalization support, emergency evacuation services, and coverage designed to safeguard your journey wherever you travel.