⚡ Quick Take: Bajaj General Insurance wins on price and senior coverage for Asia trips (from ₹14/day), while HDFC ERGO leads for the US, Canada, and Schengen Europe with faster in-house claims and higher medical floors.
🎯 Key Highlights:
- By Destination: Choose Bajaj for Sri Lanka, Thailand, or Bali trips ($15,000 cover is sufficient); choose HDFC ERGO for USA/Europe where it offers $40,000+ base coverage and 1 lakh+ cashless hospitals.
- Age Matters: HDFC ERGO caps most plans at 70 years, while Bajaj General is the only option covering travelers beyond 70.
- Insider Tip: Buy immediately after confirming flights, not at the airport — this activates trip cancellation protection for pre-paid, non-refundable bookings.
Best Travel Insurance for Indian Travelers 2026: Bajaj General vs HDFC ERGO — Complete Comparison Guide
You open PolicyBazaar, enter your trip details, and two names dominate the results: Bajaj General Insurance (formerly Bajaj Allianz) and HDFC ERGO. The premiums look close. The coverage descriptions sound nearly identical. But the real differences emerge only when you actually need to use your policy — stranded at Chennai International Airport, admitted to a hospital in Bangkok, or rushing to replace a lost passport in Dubai. This guide breaks down both insurers so you choose the right one before you board, not after.
Both insurers hold valid registration with the Insurance Regulatory and Development Authority of India (IRDAI). Verify their status at irdai.gov.in before you buy any policy.
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Table of Contents
⚡ Quick Verdict — Who Should Choose What
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🔶 Choose Bajaj General Insurance If…
- You travel to Southeast Asia (Thailand, Bali, Singapore, Sri Lanka) on a budget
- You are a senior citizen above 70 years of age
- You participate in adventure sports or trekking
- You want India’s most affordable entry plan starting at ₹14/day
- You want the exclusive Travel EZee auto-settlement feature
- You fly from Chennai, Bengaluru, or Hyderabad on short regional trips
🔷 Choose HDFC ERGO If…
- You travel to the USA, Canada, or Schengen Europe
- You are a student heading abroad for an academic year
- You want 100% in-house claim settlement without TPA delays
- You want access to 1 lakh+ cashless hospitals worldwide
- You value a seamless digital claim experience
- You depart from major hubs like Chennai International, Kempegowda (Bengaluru), or Rajiv Gandhi (Hyderabad)
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🌏 Why Tamil Nadu & South Indian Travelers Need to Pay Attention
Travelers from Tamil Nadu, Andhra Pradesh, Telangana, and Karnataka form one of India’s largest outbound travel communities. Chennai International Airport (IATA: MAA) alone handles over 150 international routes, with heavy traffic to Singapore, Kuala Lumpur, Dubai, Colombo, and Doha. Residents of cities like Ponneri, Tiruvallur, Kanchipuram, and Vellore frequently connect through Chennai for international travel. Whether you head to Sri Lanka for a weekend break, fly to the Middle East for work, or travel to Europe for a family holiday, you carry specific risk profiles that your insurance must cover.
- Sri Lanka trips from Chennai: Short 2–3 day trips via IndiGo or Air India Express. Bajaj’s Travel Companion plan at ₹14/day covers this perfectly.
- Middle East workers (Dubai, Abu Dhabi, Qatar): Indian workers and their visiting families need solid medical cover. Both insurers cover the UAE and Gulf region comprehensively.
- Europe trips for IT professionals: Techies from Chennai and Hyderabad frequently travel to Germany, Netherlands, and UK on business visas — HDFC ERGO’s Schengen plan simplifies the visa documentation process.
- USA travel for students and H1B workers: Tamil Nadu sends thousands of students to the US annually. HDFC ERGO’s Student Suraksha Plus is purpose-built for this demographic.
- Senior citizen pilgrimages: Many Tamil Nadu seniors visit Tirupati, then extend their journey to international pilgrimage sites. Bajaj’s senior citizen plans cover travelers beyond 70 — the only option from these two insurers for this age group.
🏢 Who Are These Two Insurers?
🔶 Bajaj General Insurance
| Founded | 2001 (rebranded 2024) |
| Partners | Bajaj Finserv + Allianz SE, Germany |
| ICRA Rating | iAAA — highest claims-paying ability |
| Trust Base | 11 crore+ Indians insured |
| Starts From | ₹14/day (Travel Companion) |
| Helpline | 1800-209-5858 (toll-free) |
| Official Site | bajajallianz.com |
🔷 HDFC ERGO General Insurance
| Founded | 2007 |
| Partners | HDFC Bank + ERGO International (Munich Re Group, Germany) |
| IRDAI Reg No. | 146 |
| Recognition | Best General Insurer — Insurance Conclave 2024 |
| Starts From | ₹31/day (Explorer Silver) |
| Helpline | +800 08250825 (international toll-free) |
| Official Site | hdfcergo.com |
Bajaj General Insurance earns the distinction of being India’s first company to introduce travel insurance products. That two-decade head start manifests in their plan variety and in innovations like Travel EZee — an auto-claim settlement system no other Indian insurer currently offers. HDFC ERGO has built its reputation on a fully in-house claims department and one of the world’s largest cashless hospital networks at 1 lakh+ facilities globally.
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📋 Plans Available — What Each Insurer Offers
🔶 Bajaj General Insurance Plans
| Plan Name | Best For | Medical Cover | Starting Price |
|---|---|---|---|
| Travel Companion | Short Asia trips — Thailand, Bali, Sri Lanka, Singapore | Up to $15,000 | ₹14/day |
| Travel Prime (Individual) | All international destinations, full coverage | Up to $25,000 | ₹17/day |
| Travel Prime (Family) | Families; includes home burglary cover while abroad | Up to $25,000 | Family floater pricing |
| Student Travel Insurance | Students aged 16–35 studying abroad | Medical + evacuation | From ₹624 |
| Senior Citizen Plan | Travelers above 60, including beyond 70 | Age-appropriate cover | Quoted on request |
| Annual Multi-Trip | Frequent international travelers | Per-trip medical cover | Annual pricing |
👉 Get your Bajaj quote: bajajallianz.com/travel-insurance
🔷 HDFC ERGO Travel Insurance Plans
| Plan Name | Best For | Sum Insured | Starting Price |
|---|---|---|---|
| Explorer Silver | Core medical protection for all destinations | $40,000 | ₹31/day |
| Explorer Gold | Baggage, trip disruption, dental cover added | Up to $500,000 | Mid-tier pricing |
| Explorer Platinum | Maximum coverage — US, Canada travel | Up to $1,000,000 | Premium pricing |
| Asia Excluding Japan | Southeast Asia travel at competitive price | Regional cover | Competitive |
| Student Suraksha Plus | Students abroad — includes pregnancy, cancer screening | Comprehensive | From ₹800+ |
| Schengen Plan | Schengen visa applicants — €30,000+ compliant | €30,000 minimum | Europe pricing |
| Annual Multi-Trip | Ages 18–70, up to 30–45 days per trip | Per-trip medical cover | Annual pricing |
👉 Get your HDFC ERGO quote: hdfcergo.com/travel-insurance
💡 Pro Tip for Tamil Nadu Travelers: Always compare both insurers on PolicyBazaar.com before buying. Premium prices shift regularly, and the same coverage level can differ by ₹200–₹500 depending on the current pricing cycle. Enter your Chennai departure date and destination to get live quotes from both.
⚖️ Feature-by-Feature Comparison Table
| Feature | 🔶 Bajaj General Insurance | 🔷 HDFC ERGO | Winner |
|---|---|---|---|
| Medical coverage range | $15,000 – $1,000,000 | $40,000 – $1,000,000 | HDFC ERGO (higher base floor) |
| Entry-level price | ₹14/day (Asia plan) | ₹31/day (Explorer Silver) | Bajaj General (55% cheaper to start) |
| Cashless hospital network | Global network (count not disclosed) | 1 lakh+ hospitals worldwide | HDFC ERGO (larger, transparent network) |
| Auto-claim settlement | ✅ Travel EZee — India-exclusive | ❌ Not available | Bajaj General (unique innovation) |
| Claims processing model | Mix of in-house + TPA by claim type | 100% in-house — zero TPA involvement | HDFC ERGO (faster, fewer handoffs) |
| Flight delay trigger | 4+ hours — clearly stated | Covered (verify in policy for exact hours) | Bajaj General (transparent threshold) |
| Schengen compliance | ✅ Schengen-approved plans available | ✅ Dedicated Schengen plan with proper docs | Tie |
| Senior citizen age limit | Coverage available beyond 70 years | Up to 70 years on most plans | Bajaj General (wider age bracket) |
| Student insurance | Ages 16–35, from ₹624 | Student Suraksha — 5 variants with Plus plan | HDFC ERGO (more comprehensive) |
| Dental emergency cover | Not prominently featured | ✅ Severe anaesthetic dental treatment covered | HDFC ERGO |
| Home burglary cover | ✅ Included in Travel Prime Family plan | ❌ Not in standard plans | Bajaj General (genuinely unique) |
| Adventure sports add-on | ✅ Bajaj Finance Adventure Cover available | ❌ Hazardous sports listed as exclusion | Bajaj General |
| Hospital daily allowance | Available in select plans | ✅ Consistently included in Explorer plans | HDFC ERGO |
| Annual multi-trip | ✅ Available for frequent travelers | ✅ Ages 18–70, up to 30–45 days/trip | Tie |
| Digital experience | Good — online portal + digital claims | Excellent — industry-leading app and portal | HDFC ERGO |
| Financial backing | ICRA iAAA + Bajaj Finserv + Allianz SE | HDFC Bank + Munich Re Group (ERGO International) | Tie — both rock solid |
🔬 Coverage Deep Dive — What Actually Matters
Medical Coverage — The Most Important Number
Bajaj General’s plans cover medical emergencies from $15,000 to $1,000,000. Their entry Travel Companion plan at $15,000 works well for short Asia trips — a hospital stay in Bangkok or Colombo typically costs $2,000–$8,000. However, that $15,000 limit covers barely one ER visit and one night’s stay in a US hospital.
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HDFC ERGO’s Explorer plans begin at $40,000 — giving you a meaningfully safer floor even on the base plan. For US and Canada travel, both insurers offer plans reaching $1,000,000. The IRDAI recommends buying at least $100,000 cover for the US and $50,000 for Schengen Europe. Read the official consumer guidance at policyholder.gov.in.
Trip Cancellation and Interruption
Both insurers cover trip cancellation for documented covered reasons — illness, family bereavement, natural disaster, or airline insolvency. Bajaj’s Travel Prime plans and HDFC ERGO’s Gold and Platinum Explorer tiers include this feature. Entry-level plans from both insurers typically exclude trip cancellation. If you book non-refundable hotels or prepaid tour packages — common for Tamil Nadu travelers booking Colombo or Bangkok packages — step up to at least the mid-tier plan.
Baggage — Loss, Delay, and Damage
Bajaj’s Travel Prime plan covers baggage loss up to $200 on entry variants. HDFC ERGO’s Gold and Platinum plans provide progressively higher limits. Neither plan fully replaces a high-value camera or laptop, but both cover essential item replacement during a baggage delay — the far more common scenario. Always report baggage issues to the airline within 24 hours of landing and collect a written Property Irregularity Report (PIR).
Home Burglary Cover — Bajaj’s Standout Feature
Bajaj’s Travel Prime Family plan includes home burglary cover while you travel abroad — a feature HDFC ERGO does not match in its standard travel plans. For families in Ponneri, Tiruvallur, or Kanchipuram who own their homes and take international holidays, this feature alone can justify choosing Bajaj.
Dental Emergency Cover
HDFC ERGO’s Explorer plans cover severe anaesthetic dental treatment — a procedure that requires anaesthesia and can cost thousands abroad. Bajaj does not highlight dental cover in standard plan literature. If you have existing dental concerns, HDFC ERGO holds a clear edge here.
⚠️ What Neither Plan Covers: Pre-existing conditions unless declared and accepted; adventure sports without the Bajaj add-on; pregnancy beyond standard limits; losses not reported within the specified window; and any treatment at a non-empanelled hospital without prior insurer approval. Always read the full policy wording before purchase.
💰 Pricing Comparison — Real Trip Scenarios
The figures below reflect approximate premiums for a 35-year-old adult traveler departing from Chennai. Your actual quote depends on age, trip duration, destination, and chosen coverage tier. Always verify your personal premium at the official insurer site or on PolicyBazaar.
| Trip Scenario | Bajaj General (Approx.) | HDFC ERGO (Approx.) | Price Winner |
|---|---|---|---|
| 5 days, Sri Lanka (from Chennai) | ₹70 – ₹140 (Travel Companion) | ₹155 – ₹300 (Explorer Silver) | Bajaj General |
| 7 days, Thailand / Bali | ₹98 – ₹280 (Travel Companion) | ₹217 – ₹420 (Explorer Silver) | Bajaj General |
| 7 days, UAE / Dubai | ₹200 – ₹500 (Travel Prime) | ₹280 – ₹600 (Explorer Gold) | Bajaj General (slight edge) |
| 10 days, Schengen Europe | ₹700 – ₹1,200 (Travel Prime) | ₹800 – ₹1,400 (Explorer Gold) | Similar — compare live |
| 14 days, USA | ₹1,400 – ₹2,200 (Travel Prime) | ₹1,600 – ₹2,500 (Explorer Platinum) | Similar — HDFC ERGO worth extra for US |
| Student plan — 1 year, USA/UK | ₹624+ (Student plan) | ₹800+ (Student Suraksha Plus) | Bajaj cheaper; HDFC ERGO broader coverage |
| Annual multi-trip (3+ trips/year) | Competitive — get live quote | Competitive — get live quote | Compare at PolicyBazaar |
👉 Compare live premiums: PolicyBazaar — Travel Insurance Comparison
🏥 Claims — What Happens When You Need It
🔶 Bajaj General Insurance — Claims Process
- Call immediately — before treatment if possible. Dial the toll-free helpline 1800-209-5858 from India, or the international number in your policy document. Non-intimation can invalidate your claim.
- Use Travel EZee for eligible claims. For flight delays and certain covered events, Bajaj’s exclusive Travel EZee system auto-processes your claim without paperwork. Initiate it at bajajallianz.com/claims.
- Collect every document. Hospital discharge summary, all bills, airline delay certificates, police reports for theft (file within 24 hours of discovering the loss), and your policy document. Store digital copies on Google Drive or WhatsApp.
- Submit the claim online through the Bajaj portal or email travel@bajajallianz.co.in. For cashless hospital treatment abroad, the assistance team coordinates directly with the hospital.
🔷 HDFC ERGO — Claims Process
- Call the international toll-free number. From abroad: +800 08250825 (toll-free). From India: 01204507250. HDFC ERGO’s in-house claims team answers directly — you reach someone with decision-making authority, not a third-party call centre.
- For cashless claims — contact Allianz Worldwide. HDFC ERGO’s international assistance partner handles cashless treatment coordination. Email medical.services@allianz.com with your policy details to confirm your hospital and arrange direct payment.
- Intimate within 7 days for non-emergency claims. For baggage loss, trip delays, or other non-emergency events, notify HDFC ERGO within 7 days. Keep all receipts and the airline’s written confirmation.
- Submit claim documents by emailing your completed claim form and supporting documents to travelclaims@hdfcergo.com. The in-house team processes without TPA handoffs, which speeds up straightforward claims considerably.
✅ Universal Claims Tips — Applies to Both Insurers: Save your insurer’s emergency number in your phone before you travel. Photograph your baggage at check-in. Keep every receipt regardless of how small. Report passport loss to local police within 24 hours and get a written copy of the report. Never begin medical treatment at an uncovered facility without calling your insurer first. For IRDAI consumer guidance on travel insurance claims, visit irdai.gov.in.
🗺️ Which Insurer Should You Choose — By Destination
| Destination | Recommendation | Why |
|---|---|---|
| 🇱🇰 Sri Lanka (from Chennai) | Bajaj General | Short 2–5 day trips from MAA to CMB suit Bajaj’s Travel Companion perfectly. Medical costs in Colombo rarely exceed $5,000. Entry plan at ₹14/day is outstanding value. |
| 🌏 Southeast Asia (Thailand, Bali, Singapore, Malaysia) | Bajaj General | $15,000 medical cover is sufficient for most Asian emergencies. Popular with Chennai, Coimbatore, and Bengaluru travelers. Travel EZee speeds up flight delay claims. |
| 🇦🇪 UAE / Dubai / Qatar | Either works | Both provide solid Gulf coverage. Choose Bajaj for price; choose HDFC ERGO for its digital claims convenience and larger cashless hospital network. |
| 🇪🇺 Schengen Europe | HDFC ERGO | Higher medical floor ($40,000+), dedicated Schengen plan with proper visa documentation, wider European cashless hospital network. IT professionals from Chennai and Hyderabad visiting client sites across Germany, Netherlands, and France benefit most from this plan. |
| 🇺🇸 USA / Canada | HDFC ERGO | In-house claim settlement is critical in the US where hospital billing is complex. HDFC ERGO’s 1 lakh+ global network gives you the best chance of cashless treatment. Buy minimum $100,000 medical coverage. A single US hospital night can cost ₹2–5 lakh. |
| 🎓 Students Abroad (USA, UK, Australia) | HDFC ERGO | Student Suraksha Plus covers pregnancy complications, cancer screenings, and mammography — extras that matter on long academic stays. Tamil Nadu students heading to US universities should buy this before departure. |
| 👴 Senior Citizens (Above 70) | Bajaj General | This is non-negotiable. HDFC ERGO caps most plans at 70 years. Bajaj General extends coverage beyond 70 — the only realistic option from these two insurers for older Tamil Nadu travelers visiting family abroad. |
| 🧗 Adventure Travel / Trekking | Bajaj General | Bajaj offers an explicit adventure sports add-on. HDFC ERGO lists hazardous sports as a standard exclusion without a clear alternative add-on. Ideal for travelers heading to Nepal, Himachal Pradesh, or Sikkim for trekking. |
For MEA travel advisories and safety information for your destination, visit mea.gov.in/travel-advisory — the official source from India’s Ministry of External Affairs.
📌 Official Websites — Verify Before You Buy
🔶 Bajaj General Insurance
bajajallianz.com/travel-insurance
Get quotes, view all plan documents, and purchase directly online.
🔷 HDFC ERGO General Insurance
hdfcergo.com/travel-insurance
Browse Explorer and Student Suraksha plans and check the cashless hospital network.
⚖️ PolicyBazaar — Compare Both
policybazaar.com/travel-insurance
The fastest way to compare live premiums from both insurers and other IRDAI-registered options.
🏛️ IRDAI — Verify Insurer Registration
irdai.gov.in
Confirm any insurer’s registration status before purchasing a policy.
🌏 MEA Travel Advisories
mea.gov.in/travel-advisory
Check official Indian government safety advisories for your destination before booking insurance.
📖 IRDAI Policyholder Guidance
policyholder.gov.in
Official consumer advice on buying, claiming, and understanding travel insurance from India’s insurance regulator.
❓ Frequently Asked Questions
1. Which insurer settles claims faster — Bajaj General or HDFC ERGO?
HDFC ERGO holds an advantage in claim processing speed for most scenarios because it handles 100% of claims through an in-house team — no Third Party Administrator (TPA) involvement means the person you speak to can make decisions on the spot. Bajaj General uses a mix of in-house and TPA handling depending on claim type, which adds coordination steps for some medical reimbursement claims. However, Bajaj’s Travel EZee system auto-settles eligible claims like flight delays without any manual paperwork — a feature that delivers faster resolution for those specific events than any in-house team can. For complex US medical claims, HDFC ERGO’s in-house model typically resolves faster. For flight delay claims, Bajaj’s Travel EZee wins outright.
2. Do these travel insurance plans cover domestic travel within India — for example, trips from Ponneri to Delhi or Ooty?
Standard international travel insurance plans from both Bajaj General and HDFC ERGO cover only international travel outside India. They do not activate for domestic routes such as Chennai–Delhi, Chennai–Mumbai, or road trips to hill stations like Ooty, Kodaikanal, or Munnar. For domestic travel protection within India, both insurers offer separate domestic travel insurance products. If you frequently travel within Tamil Nadu or across South India, check Bajaj General’s and HDFC ERGO’s domestic plans, which cover flight cancellations, baggage issues, and medical emergencies on Indian routes. Verify current domestic plan options directly at bajajallianz.com and hdfcergo.com.
3. Does travel insurance cover the Sri Lanka trip I book from Chennai — including ferry or cruise travel?
Yes — both Bajaj General and HDFC ERGO cover international travel to Sri Lanka regardless of whether you fly from Chennai International Airport (MAA) to Colombo Bandaranaike (CMB) or travel by sea. The Colombo route is one of the most popular short international trips for Tamil Nadu residents. Bajaj’s Travel Companion plan at ₹14/day handles this trip with $15,000 medical cover — more than adequate for Sri Lanka’s hospital cost environment. For cruise travel or the proposed Dhanushkodi–Talaimannar ferry route (pending official launch), confirm your specific mode of transport is covered in the policy wording before departure, as some policies exclude non-commercial sea travel. Check the Ministry of External Affairs Sri Lanka travel advisory at mea.gov.in before traveling.
4. Can senior citizens above 70 from Tamil Nadu buy either of these travel insurance plans?
Bajaj General Insurance is the clear answer for travelers above 70. HDFC ERGO’s standard plans cap coverage at 70 years — their single-trip Explorer plans cover travelers up to 70, and their multi-trip plans apply to ages 18–70. Bajaj General specifically designs senior citizen plans for travelers above 60 and extends coverage beyond 70 years, making it the only realistic option from these two insurers for older travelers. Many Tamil Nadu senior citizens travel to Singapore, Malaysia, or the US to visit children working abroad — for this demographic, Bajaj General’s senior plan is the right and often only choice. Verify current senior plan terms directly at bajajallianz.com.
5. What should I do if my travel insurance claim gets rejected?
First, request a written rejection letter that clearly states the reason for denial. Review your policy document to confirm whether the rejection applies correctly to your situation — many rejections cite non-disclosure of pre-existing conditions or late intimation that you can contest if your records say otherwise. If you believe the rejection is incorrect, submit a formal grievance to the insurer’s Grievance Redressal Officer (GRO) — both Bajaj General and HDFC ERGO maintain a GRO as mandated by IRDAI. If the GRO response fails to satisfy you, file a complaint directly with IRDAI through the Bima Bharosa portal at irdai.gov.in. For disputes under ₹50 lakh, you may approach the Insurance Ombudsman in your region — Chennai hosts an Ombudsman office covering Tamil Nadu. Contact details appear at irdai.gov.in.
6. How far in advance do I need to buy travel insurance before my trip from Chennai?
Both Bajaj General and HDFC ERGO require you to purchase travel insurance before your international trip departs — neither insurer allows you to buy coverage after you have already left India. Buy your policy immediately after you confirm your flights and book non-refundable hotels or tour packages. Buying early triggers trip cancellation protection right away, so if something prevents your travel before departure — illness, a family emergency, or a natural disaster — you can claim for those pre-paid, non-refundable costs. Waiting until the day before departure or at Chennai airport removes this critical layer of protection. IRDAI’s consumer guidance at policyholder.gov.in strongly advises early purchase for this reason.
✅ Final Verdict
🔶 Choose Bajaj General When…
- You head to Asia (Sri Lanka, Thailand, Bali, Singapore) for a week or two
- You book for parents or grandparents above 70
- You plan a trek or adventure activity
- You travel as a family and want home burglary cover included
- You want Travel EZee auto-settlement for flight delay claims
- Your budget is tight and ₹14/day entry pricing matters
🔷 Choose HDFC ERGO When…
- You head to the US, Canada, or anywhere in Schengen Europe
- You want absolute confidence in the claims process — in-house team, zero TPA
- You book for a student going abroad for a full academic year
- You want the widest cashless hospital access in a single network
- You value a clean digital experience from purchase to claim
- You are an IT professional traveling to European client sites on a business visa
Both Bajaj General and HDFC ERGO are financially strong, IRDAI-registered insurers that serve Indian travelers reliably. The choice comes down to your destination, age, and travel purpose — not trustworthiness. Run your specific trip details through PolicyBazaar and let the live premium comparison make the final call for you.
All external links in this article point to official IRDAI, MEA, and insurer websites. Premium figures are indicative based on publicly available market data at the time of writing and may vary. Always verify current premiums and plan terms directly with the insurer or on PolicyBazaar before purchase. This article does not constitute financial or insurance advice. Insurance is the subject matter of solicitation — read the policy document carefully before concluding a sale. Verify insurer registration at irdai.gov.in before buying any policy.
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