Accident Care Individual Insurance is offered by Star Health and Allied Insurance Co. Ltd. through Bank of Baroda's insurance distribution channel.
Minimum ₹1,00,000, increased in ₹10,000 multiples
the maximum varies with the insured person's earning capacity.
Adults aged 18–70 years
dependent children can be covered from 5 months to 25 years under family cover.
One-year, two-year and three-year policy terms are published in the premium matrix.
Premium excluding tax is quoted per ₹1,000 of sum insured (per mille), by Table A/B/C and Risk Group I/II/III. One-year: A ₹0.43/₹0.60/₹0.80, B ₹0.70/₹1.30/₹1.75, C ₹1.25/₹1.75/₹2.00. Two-year: A ₹0.83/₹1.16/₹1.54, B ₹1.35/₹2.51/₹3.38, C ₹2.41/₹3.38/₹3.86. Three-year: A ₹1.20/₹1.68/₹2.24, B ₹1.96/₹3.63/₹4.89, C ₹3.49/₹4.89/₹5.59.
No initial or specific waiting period applies under the policy wording's customer information sheet.
Table A covers accidental death
Table B adds permanent disablement
Table C adds temporary total disablement. Accidental death pays 100% of sum insured
permanent total disablement pays 150% of sum insured plus cumulative bonus calculated on 100%
temporary total disablement pays 1% per completed week under Table C up to ₹15,000 per week for 100 weeks.
The policy excludes pre-existing conditions
intentional self-injury, suicide/attempted suicide, intoxicants and self-endangerment
mental disorder, sexually transmitted conditions and /-related losses
non-qualified air travel
war, riots and civil commotion
nuclear, chemical and biological terrorism
professional or semi-professional sports competitions
hazardous sports/activities
physical or mental challenge unless endorsed
and illegal acts. The policy points to additional excluded expenses on the insurer website
Plans A1/A2 cover worldwide excluding /Canada and B1/B2 worldwide including /Canada. Medical/evacuation/repatriation cover is USD 50,000/250,000 for A1/A2 and USD 100,000/500,000 for B1/B2. Personal accident cover is USD 10,000 for A1 and USD 25,000 for A2/B1/B2.
Eligible travellers are citizens of India, Nepal or Bhutan travelling abroad for business or holiday, and foreign nationals working in India for Indian employers or multinationals paid in Indian rupees. Pre-existing disease is excluded
the first USD 100 of claims is borne by the traveller.
Value awaiting review
Value awaiting review
Value awaiting review
The plans include checked-baggage loss USD 1,000, baggage delay USD 100, passport loss USD 150–250 and third-party bodily injury/property damage USD 200,000. Emergency dental relief is covered up to USD 225 per occurrence
baggage delay applies to outbound international flights delayed over 12 hours.
Pre-existing disease or illness
travel against medical advice or for treatment
military, naval or air-force operations
suicide or intentional self-injury
mental disorder, alcoholism, drug abuse or /-related illness
Plans C (worldwide excluding /Canada), D and D1 (worldwide including /Canada) provide illness cover of USD 150,000/150,000/500,000, medical evacuation and repatriation of USD 10,000 each, and emergency reunion of USD 5,000. Sponsored students receive contingency insurance of USD 750 for each completed study month.
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
Plans C (worldwide excluding /Canada), D and D1 (worldwide including /Canada) provide illness cover of USD 150,000/150,000/500,000, medical evacuation and repatriation of USD 10,000 each, and emergency reunion of USD 5,000. Sponsored students receive contingency insurance of USD 750 for each completed study month.
Pre-existing diseases/illnesses, travel against medical advice or for medical treatment/routine check-up, suicide or intentional self-injury, mental disorder, alcoholism/drug abuse, -related illness including , and winter sports, mountaineering and adventure sports are excluded.
The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.
Bank account holders, borrowers and co-borrowers are covered
individuals up to age 70 are eligible. The page states available sum-insured options range from ₹1 lakh to ₹30 lakh across plans/products.
One year
the National Insurance policy wording says the policy may be renewed every year by mutual consent, with renewal premium due on or before the expiry date.
Accident medical-expense extension is available up to 10% of the capital sum insured or 40% of the admissible claim, whichever is lower, at an additional premium of 20% of the basic premium. The page does not publish the base premium or a fixed quote.
Not applicable to this accident-only policy: cover operates worldwide, 24x7, for accidental events during the policy period. Claim-notice deadlines are separate policy conditions.
The policy provides worldwide 24x7 cover for accidental death, permanent total/partial disablement and temporary total disablement. Temporary total disablement pays 1% of capital sum insured per week for up to 104 weeks, capped at ₹5,000 per week.
The individual policy excludes intentional self-injury or suicide
drug or alcohol abuse
venereal disease or insanity
pregnancy or childbirth
aviation other than permitted standard-aircraft passenger travel
non-fare-paying aircraft travel
breach of law with criminal intent
war, civil unrest or government action
and nuclear weapons, radiation or contamination. Compensation is also limited so that duplicate benefit clauses and claims after an admitted death/major-disablement claim are not paid.
Four medical-cover limits are published for each destination option: USD 50,000, USD 1,00,000, USD 2,50,000 and USD 5,00,000. The selected plan also sets separate accident, baggage, passport, delay, cancellation and liability limits.
Any permanent resident of India above 6 months of age who is travelling abroad for work or leisure can take this overseas travel insurance.
The policy is issued for the insured overseas trip, with published trip-duration bands from up to 4 days through 148–180 days. An extension may be requested before expiry on payment of additional premium and a good-health declaration
up to two extensions are permitted, for a maximum total coverage period of 360 days.
Premium varies by destination, plan (USD 50,000/1,00,000/2,50,000/5,00,000), traveller age and trip duration. The current published tables quote premiums in rupees including 18% tax. Examples for up to 4 days: /Canada Plan A1 (USD 50,000) ₹535 for age 6 months–40 years, Plan B1 (USD 1,00,000) ₹668, Plan C1 (USD 2,50,000) ₹703 and Plan D1 (USD 5,00,000) ₹878
excluding /Canada, the corresponding examples are ₹307, ₹385, ₹459 and ₹805. The tables continue through 148–180 days and ages 6 months–70 years.
Value awaiting review
Star Travel Protect covers overseas emergency medical expenses, medical evacuation, repatriation of mortal remains, accidental injury compensation, dental emergency after an accident, loss or delay of checked baggage, passport loss/replacement, trip cancellation, flight delay, missed departure or connection, emergency consumables and third-party legal liability.
Major exclusions include travelling against medical advice
treatment for a pre-existing condition
travelling to obtain medical treatment
winter sports or dry ski slopes
manual work
riot/civil commotion
war, terrorism and nuclear/radioactive events
racing, motor rallies, mountaineering, rafting/white-water, underwater activities, professional or organised sports and hazardous pursuits
suicide or wilful self-injury
mental disorder, venereal disease, alcoholism, drunkenness or non-prescribed drugs
criminal or illegal acts
/-related claims
pregnancy claims outside the stated timing condition
losses increased by the insured's act or omission
two-wheeler accidents where the driver is unqualified, unlicensed or riding a vehicle of 125 cc or more
property/land ownership, consequential loss, bankruptcy/liquidation, congenital anomalies and other policy-wording exclusions.
the Bank of Baroda states that family cover can be up to ₹20 lakh. The selected sum insured affects the premium.
Entry age is 5 years and above
dependent children aged 91 days to 5 years are covered only when both parents are insured. Maximum entry age is 65 with lifelong renewals. Up to seven members may be covered: self, spouse, up to three dependent children and up to two dependent parents. Tenures are 1, 2 or 3 years.
1, 2 or 3 years
Value awaiting review
Initial illness waiting period: 30 days (accidents are covered immediately). Pre-existing disease waiting period: 36 months. Specified disease or procedure waiting period: 24 months.
Tata Medicare includes restore benefits, global inpatient/day-care reimbursement when diagnosis is made in India, 50% cumulative bonus per claim-free year up to 100%, day care, domiciliary treatment, organ donor, second opinion, ambulance, , consumables and compassionate travel.
The brochure names congenital external diseases, defects or anomalies
alcoholic pancreatitis
intentional self-injury or attempted suicide
criminal acts
and treatment by a medical practitioner outside their discipline. It directs customers to the policy wording for the complete benefit and exclusion list.
Medical-expense cover is unlimited subject to a per-incident limit that depends on the plan: USD 100,000 for Silver Plus, USD 250,000 for Gold and USD 500,000 for Platinum. The brochure also publishes separate limits for accidental death/disability, emergency evacuation, baggage, cancellation, passport and other benefits.
Travel Insurance International Plus is available for international and domestic trips, with options for families, senior citizens and students. There is no age limit for purchasing Travel Guard Insurance, and annual and multi-trip plans include a free-look period.
Single-trip policies use travel bands from 1–4 through 331–360 days
the maximum single-trip duration is 360 days. Annual Multi Trip options are 30, 45, 60, 90, 120, 150 or 180 days (for age 12+ and worldwide plans). A 365-day single trip can be added when an embassy requires it, for an additional premium.
Premium is selected from the brochure's chart by plan, geographic scope, traveller age and travel band. As one published example, the Copper non-medical worldwide chart runs from ₹830.60 for 1–4 days to ₹1,296.90 for 331–360 days. Add-on bundles and embassy-required 365-day cover require additional premium
applicable discounts are chart-specific.
Value awaiting review
The policy covers trip curtailment, hijacking distress allowance, flight-delay expenses when delay exceeds 12 hours, fraudulent card charges, overseas accident and sickness medical expenses, checked-baggage loss, missed connections and missed departure expenses.
Key exclusions in the brochure include travelling against a physician's advice, travelling to obtain treatment or while awaiting specified treatment, a terminal prognosis, pre-existing disease except a life-threatening condition, suicide or attempted suicide, wilful self-inflicted injury except self-defence or saving a life, and injury/accident while intoxicated where the insured person is directly responsible. The full policy wording controls.
Generali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited)
Bank of India distributes the product.
Classic: ₹3 lakh, ₹5 lakh or ₹10 lakh. Platinum: ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹30 lakh or ₹35 lakh. Signature: ₹50 lakh, ₹75 lakh or ₹1 crore.
Minimum entry age is 1 day for children and 18 years for adults. Maximum entry age is 25 years for children and no limit for adults. Maximum renewal age is lifelong for all three plans.
The reviewed BOI page and policy schedule do not state one universal policy duration
the issued schedule and renewal terms control the period.
Premium is plan-, age-, sum-insured- and deductible-dependent
the prospectus publishes discounts (including 7.5% for a two-year term and 10% for a three-year term) but no single universal premium.
The complete waiting-period schedule is not reproduced in the BOI summary
review the current policy wording for illness-, maternity- and pre-existing-condition waiting periods.
Hospitalisation and day-care up to sum insured
pre-hospitalisation 60 days
post-hospitalisation 90 days Classic, 120 days Platinum and 180 days Signature
restoration of sum insured
maternity, newborn, infertility, organ donor, patient care, accidental hospitalisation, ambulance, , wellness, cumulative bonus, bariatric surgery and plan-specific evacuation/overseas treatment.
The complete exclusions list is controlled by the policy wording and is not reproduced in the BOI summary
Generali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited)
Bank of India distributes the product as corporate agent.
Published options are ₹3 lakh, ₹5 lakh and ₹10 lakh under Vital
₹15 lakh, ₹20 lakh and ₹25 lakh under Superior
and ₹50 lakh or ₹1 crore under Premiere.
Minimum age at entry is 1 day for every published sum-insured option
the schedule shows no maximum age at entry and lifelong maximum renewal age.
The policy wording offers a minimum policy period of 1 year and a maximum policy period of 3 years
the issued schedule states the selected period.
Value awaiting review
Initial illness waiting period: 30 days from the first policy commencement (not applicable to renewals or accidents). Pre-existing disease (PED) waiting period: 24 months of continuous coverage, subject to declaration and acceptance
portability can reduce it by prior continuous coverage. Listed disease/procedure waiting periods: 24 months for cataract, benign prostatic hypertrophy, hernia, deviated nasal septum, hypertrophied turbinate, hydrocele, sinus conditions, fistulae/haemorrhoids/fissure, specified gynaecological conditions, internal/external tumours or cysts (other than malignant growth), prolapsed-disc surgery unless accidental, varicose-vein surgery, gastric/duodenal ulcers, urinary/biliary stones, and ear/tonsil surgery
36 months for organ transplant, rheumatoid arthritis, gout, degenerative joint replacement, and age-related osteoarthritis/osteoporosis unless medically necessary due to injury. Maternity waiting: dependent spouse after 3 continuous annual premiums and 24 months' continuous cover
self after 4 continuous annual premiums and 36 months' continuous cover. Waiting periods apply afresh to an increased sum insured to the extent of the increase.
Hospitalisation up to sum insured, day-care treatment, pre- and post-hospitalisation, restoration of sum insured, cumulative bonus, maternity, newborn, organ-donor, ambulance and plan-specific , overseas treatment, vaccination and emergency-evacuation benefits.
The policy excludes or limits investigation/evaluation admissions, rest-cure/rehabilitation, obesity or weight-control treatment outside the stated clinical criteria, change-of-gender treatment, cosmetic or plastic surgery except medically necessary reconstruction, hazardous/adventure sports, breach of law, excluded providers, alcohol/drug or substance-abuse treatment, non-medical items, refractive-error correction below 7.5 dioptres, unproven treatments, birth control/sterility/infertility treatment, war/riot/terrorism and nuclear-risk injuries, circumcision except accident, vaccination except specified benefits, spectacles/contact lenses, non-medical equipment and personal-comfort items. claims have additional limits: excess over the schedule maximum, annual health check-up, in Vital, prescribed medication in Superior, unsupported consultation/diagnostic/referral/prescription costs and non-allopathic treatment. Annexure III separately lists items not covered or subsumed into room, procedure or treatment charges.
Bank of India distributes the policy and does not underwrite the risk.
Schedule limits vary by plan and option. Daily Commuters options publish accidental death//₹5 lakh/₹10 lakh/₹20 lakh and accidental hospitalisation ₹50,000/₹75,000/₹1,00,000. Business options publish accidental death//₹10 lakh or ₹25 lakh and hospitalisation ₹1,00,000 or ₹2,00,000. Vacations options publish accidental death//₹10 lakh/₹25 lakh or ₹20 lakh and hospitalisation ₹1,00,000 or ₹2,00,000.
Value awaiting review
Daily Commuters: annual basis or 1, 3 or 6 months. Business: annual multi-trip (each trip up to 30 days) or single trip of 1–7 or 8–15 days. Vacations: annual multi-trip (each trip up to 30 days) or single trip of 1–7, 8–15, or 16–30 days.
Premium is plan-, option-, destination-, traveller- and trip-specific
no universal premium amount is published in the reviewed schedule.
Value awaiting review
Home fire/allied-peril and burglary cover: Daily Commuters ₹2 lakh/₹3.5 lakh/₹5 lakh
Business and Vacations ₹2 lakh or ₹4 lakh. Business laptop cover ₹25,000/₹40,000/₹60,000
mobile ₹15,000/₹25,000/₹50,000
proof ₹800/₹1,200/₹2,000
sunglasses ₹1,000/₹1,500/₹2,500
credit-card cover ₹15,000/₹25,000/₹50,000. Vacations laptop/mobile//sunglasses/credit-card benefits are unavailable in options 1–2 and available at the published limits in options 3–4. Vacation trip cancellation is up to ₹1,00,000 or ₹1,50,000
curtailment up to ₹15,000/₹20,000/₹25,000
trip delay ₹7,500 or ₹10,000/₹12,500 with a 6-hour deductible
missed connections train up to ₹3,000/₹5,000 and flight up to ₹5,000/₹7,500
checked baggage up to ₹10,000 or ₹15,000 with item and 10%/20% rules.
The prospectus excludes, among other things, illness except for medical evacuation/repatriation
accidents at home
intentional self-injury or intoxication
crime/riot
non-passenger aviation
racing
pregnancy/childbirth
war, nuclear/radiation and terrorism-related events (subject to the wording’s victim exception)
hazardous activity and adventure sports except stated Vacation-plan accident/evacuation exceptions
medically unnecessary or experimental treatment
claims outside policy or maximum trip period
non-allopathic medicine
cosmetic/plastic surgery
and travel against medical advice or for military operations.
Generali Central Insurance Co Ltd, The New India Assurance Co Ltd and Bajaj General Insurance Limited.
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
Property, motor, health (group and individual), personal, fire, burglary, engineering, package, travel, pet and cattle insurance are listed across Generali Central, New India Assurance and Bajaj General partners.
Universal Sompo General Insurance, United India Insurance (UIIC), Chola MS General Insurance and Niva Bupa Health Insurance.
Policy-level sums insured and health limits are not published on the catalogue page
the selected product and insurer determine them.
No common entry-age rule is published
each insurer and policy sets eligibility.
No common policy-term range is published
term follows the selected product and insurer.
Premium amounts are not published
partner quotations and product terms determine the price.
No common waiting period is published
policy wording for the selected health or other product controls it.
Published product families include fire, motor, marine, shopkeepers, theft/burglary, fidelity guarantee, personal accident, overseas travel, household goods, group health, cyber, farmer care, loan-secure critical illness, accident, gold-loan customer and business-shield covers. Niva Bupa also lists My Health Secure, Sehat Suraksha, Group Criti Care and Super Top Up.
The Insured Declared Value () is the vehicle's current market value and the maximum amount payable for total loss or theft
it is calculated from the manufacturer's listed price after depreciation and varies by vehicle and accessories.
Value awaiting review
A standard comprehensive private-car policy is typically valid for one year
long-term options may be available for two or three years, depending on the cover selected.
Starts at ₹2,094
the quoted premium varies with the selected coverages, vehicle and other quotation factors.
Value awaiting review
Third-party liability and own-damage/comprehensive options vary by the policy selected
add-ons and exclusions are controlled by the policy wording
The comprehensive policy excludes normal wear and tear, consequential loss and depreciation, electrical or mechanical breakdown, use outside the permitted purpose, driving without a valid licence, nuclear or war-related risks, and accidents while under the influence of alcohol or drugs
the selected policy wording controls the complete list.
Section A medical expenses including evacuation and repatriation: $50,000 to $500,000. Personal accident is 10% of the chosen Section A limit, capped at $25,000
travel support is $2,000 on a floater basis.
6 months to 70 years
for Indian residents taking bona fide overseas business or holiday trips, and foreign nationals working in India.
Single trip: 1–180 days and non-renewable. Multi trip: multiple trips within 1 year and renewable yearly.
General publishes a single-trip premium matrix by age band, geography, trip duration and Section A cover. Examples for $50,000 cover: ₹541 (age 6 months–40, worldwide excluding /Canada, 7 days)
₹707 (same age, worldwide, 7 days)
₹1,091 (age 61–70, worldwide, 7 days). The complete 13-page rate chart provides the selectable combinations.
Not applicable
Emergency medical expenses, evacuation and repatriation, personal accident, travel support, personal liability, cash advance, trip delay, loss of passport and home burglary
The lists pre-existing disease, travel against a physician's advice, unlicensed aircraft, specified hazardous or professional sports, certain two-wheeler accidents without the required licence/helmet and breach of law. The policy wording controls the complete exclusion list.
Medical and non-medical limits are selected by destination and plan
no common sum-insured amount is published in the reviewed brochure
No universal age threshold is published in the reviewed Explore catalogue/brochure
traveller age is a quotation and plan-rating input
Multi-trip maximum trip duration options: 15, 21, 30, 45, 60 or 90 days
single-trip policy period up to 365 days
Value awaiting review
No general waiting period is published for the reviewed travel plans
event definitions, exclusions and notification conditions in the policy wording apply
Emergency hospitalisation, medical evacuation, common-carrier accidental death, dental injury, trip cancellation/interruption/delay, baggage loss or delay, loss of passport, personal liability and return of minor child
The Explore brochure lists alcohol/drug use, war or nuclear perils, intentional self-injury/suicide, hazardous activities and breach of law among exclusions
Medical and non-medical limits are selected by destination and plan
no common sum-insured amount is published in the reviewed brochure
No universal age threshold is published in the reviewed Explore catalogue/brochure
traveller age is a quotation and plan-rating input
1 month to 3 years
Value awaiting review
No general waiting period is published for the reviewed travel plans
event definitions, exclusions and notification conditions in the policy wording apply
Medical, travel and non-medical benefits with optional university-compliance covers
laptop/tablet loss, sponsor protection, bail bond and accidental benefits are listed
The Explore brochure lists alcohol/drug use, war or nuclear perils, intentional self-injury/suicide, hazardous activities and breach of law among exclusions
selected policy terms control the complete list.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Accident Care Individual Insurance PolicyBank of Baroda
Personal Accident - National InsuranceBank of Baroda
Star Travel Protect Insurance PolicyBank of Baroda
Tata AIG MedicareBank of Baroda
Tata AIG Travel Insurance International PlusBank of Baroda
SBI General Car InsuranceState Bank of India
SBI General Travel Insurance — Business & HolidayState Bank of India
