Insurance

Generali Central Shubh Yatra

A Generali Central travel policy with Daily Commuters, Business and Vacations plan families, accident, baggage, home and trip-disruption benefits with schedule-specific limits.

InsurerGenerali Central Insurance Company Limited; Bank of India distributes the policy and does not underwrite the risk.PremiumPremium is plan-, option-, destination-, traveller- and trip-specific; no universal premium amount is published in the reviewed schedule.Traveller ageNo universal traveller-age range is printed in the reviewed schedule; eligibility is completed through the proposal form and selected plan.

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✓ Manually checked 30 Aug 2026 · active

Offered byBank of India

Domestic or international trips according to selected plan and itinerary

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeTravel insurance with Daily Commuters, Business and Vacations plan families; cover combines accidental benefits with travel, baggage and home sections.View source

The prospectus schedule lists Daily Commuters, Business and Vacations plan options.

Source: Shubh Yatra prospectus
Page / section: Schedule of Benefits, p.19
Accessed: 30 Aug 2026
Confidence: high

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InsurerGenerali Central Insurance Company Limited; Bank of India distributes the policy and does not underwrite the risk.View source

The policy wording identifies Generali Central as insurer; BOI is the corporate-agent distributor.

Source: Shubh Yatra policy wording
Page / section: Definitions / insurer
Accessed: 30 Aug 2026
Confidence: high

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Published trip periodsDaily 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.View source

The schedule publishes the plan-family term and single-trip day ranges.

Source: Shubh Yatra prospectus
Page / section: Schedule of Benefits, p.33 — Policy Period
Accessed: 30 Aug 2026
Confidence: high

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Accident and travel benefit limitsSchedule limits vary by plan and option. Daily Commuters options publish accidental death/PTD/PPD ₹5 lakh/₹10 lakh/₹20 lakh and accidental hospitalisation ₹50,000/₹75,000/₹1,00,000. Business options publish accidental death/PTD/PPD ₹10 lakh or ₹25 lakh and hospitalisation ₹1,00,000 or ₹2,00,000. Vacations options publish accidental death/PTD/PPD ₹10 lakh/₹25 lakh or ₹20 lakh and hospitalisation ₹1,00,000 or ₹2,00,000.View source

The schedule publishes accident and accidental-hospitalisation limits by plan family and option.

Source: Shubh Yatra prospectus
Page / section: Schedule of Benefits, p.33
Accessed: 30 Aug 2026
Confidence: high

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Published benefit scheduleHome 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; ID 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/ID/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% SI rules.View source

The complete indexed schedule lists home, baggage and trip-disruption limits and option availability.

Source: Shubh Yatra prospectus
Page / section: Schedule of Benefits, p.33
Accessed: 30 Aug 2026
Confidence: high

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Medical evacuation and repatriationMedical evacuation and repatriation of mortal remains are covered up to the limits in the schedule when medically necessary and authorised by the service provider. Emergency medical evacuation is excluded except under Business and Vacations plans.View source

The wording sets medical-necessity and service-provider authorisation conditions and the plan exception.

Source: Shubh Yatra policy wording
Page / section: Medical Evacuation and Repatriation
Accessed: 30 Aug 2026
Confidence: high

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PremiumPremium is plan-, option-, destination-, traveller- and trip-specific; no universal premium amount is published in the reviewed schedule.View source

The schedule provides benefit limits but no universal price.

Source: Shubh Yatra prospectus
Page / section: Schedule of Benefits
Accessed: 30 Aug 2026
Confidence: high

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Traveller ageNo universal traveller-age range is printed in the reviewed schedule; eligibility is completed through the proposal form and selected plan.View source

The proposal form collects date of birth and itinerary but the reviewed schedule does not publish a universal age threshold.

Source: Shubh Yatra proposal form
Page / section: Page 1 — proposer and trip itinerary
Accessed: 30 Aug 2026
Confidence: high

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Waiting periodNo general waiting-period number is published in the reviewed Shubh Yatra schedule; cover is subject to the policy period, trip-duration and claim conditions.View source

The reviewed wording sets policy-period and trip-duration conditions but no general waiting-period value.

Source: Shubh Yatra policy wording
Page / section: General conditions
Accessed: 30 Aug 2026
Confidence: high

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Published general exclusionsThe 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.View source

The prospectus lists the general exclusions applicable to all sections.

Source: Shubh Yatra prospectus
Page / section: General Exclusions, p.14
Accessed: 30 Aug 2026
Confidence: high

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Geographic limitsHome 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; ID 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/ID/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% SI rules.View source

The manually reviewed product record states: “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.”.

Source: Generali Central Shubh Yatra — official product page
Page / section: Published product metadata
Accessed: 30 Aug 2026
Confidence: high

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Benefits and features

Daily Commuters, Business and Vacations plans
Accident death// and hospitalisation limits
Home, laptop, mobile, , sunglasses and credit-card cover
Trip cancellation, curtailment, delay, missed connection and baggage benefits
Medical evacuation and repatriation under schedule conditions

Eligibility

Traveller date of birth, nationality, purpose and itinerary are collected on the proposal form; no universal age threshold is printed.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Completed proposal form, traveller/itinerary details and claim evidence requested by Generali Central

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Yearly household income to replaceThe income your family may need to replace.₹ten lakh rupees₹1,00,000₹1,00,00,000Years of income neededHow long your family may need that replacement income. years1 years30 yearsLoans still to be paidHome loans and other debts the cover may need to clear.₹twenty lakh rupees₹0₹5,00,00,000Cover and savings already availableExisting life cover and money already set aside for the family.₹five lakh rupees₹0₹5,00,00,000

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees

Income your family may need₹1,00,00,000one crore rupees

Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

TablePlan family

Daily Commuters · Published periodAnnual, 1 month, 3 months or 6 months

This value is copied from Shubh Yatra — plan periods. Check the table notes before relying on it.

Source: Shubh Yatra prospectus · Schedule of Benefits, p.33 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 2 columnsShubh Yatra — plan periodsView tableHide table

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Shubh Yatra — plan periods
Plan family	Published period
Daily Commuters	Annual, 1 month, 3 months or 6 months
Business	Annual multi-trip (each trip ≤30 days) or single trip 1–7 / 8–15 days
Vacations	Annual multi-trip (each trip ≤30 days) or single trip 1–7 / 8–15 / 16–30 days

Shubh Yatra prospectus · Schedule of Benefits, p.33 · accessed 30 Aug 2026Open official source ↗

Table 2 · 8 rows · 2 columnsShubh Yatra — principal schedule limitsView tableHide table

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Shubh Yatra — principal schedule limits
Benefit	Published detail
Accidental death / /	Daily Commuters ₹5 lakh/₹10 lakh/₹20 lakh; Business ₹10 lakh/₹25 lakh; Vacations ₹10 lakh/₹25 lakh or ₹20 lakh options
Accidental hospitalisation	Daily Commuters ₹50,000/₹75,000/₹1,00,000; Business/Vacations ₹1,00,000/₹2,00,000
Home fire and burglary	Daily Commuters ₹2 lakh/₹3.5 lakh/₹5 lakh; Business/Vacations ₹2 lakh/₹4 lakh
Business personal items	Laptop ₹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 ₹15,000/₹25,000/₹50,000
Vacation cancellation / curtailment	Cancellation up to ₹1,00,000/₹1,50,000; curtailment up to ₹15,000/₹20,000/₹25,000
Vacation delay / missed connection	Delay ₹7,500/₹10,000/₹12,500 after 6-hour deductible; train connection up to ₹3,000/₹5,000; flight up to ₹5,000/₹7,500
Checked baggage	Up to ₹10,000/₹15,000 with item and 10%/20% rules
Premium	Quotation-specific; no universal amount published

Shubh Yatra prospectus · Schedule of Benefits, p.33 · accessed 30 Aug 2026Open official source ↗

Generali Central Shubh Yatra

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Life-cover needs estimate

Find the exact published value

Complete rates, limits and schedules

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