What is Annual Multi-Trip Travel Insurance?
A multi trip travel insurance is a type of travel insurance policy that offers business travellers financial protection in case they face any losses during an international trip. This type of plan is different from a single trip travel insurance because it will cover you for multiple trips over a longer period, typically one year.
Like an
international travel insurance plan, multi trip policies cover you financially from various dangers like loss of passport, baggage losses and delays, medical emergencies, trip delays, personal accidents, missed connecting flights and more.
Now for your upcoming season of business travel, choose the annual multi trip travel insurance plan from Reliance General Insurance so that you can focus on your business while we take care of the rest.
Benefits of Buying an Annual Multi Trip Travel Insurance
Making multiple business trips in a year may be a regular part of your job and therefore you’re exposed to potential misfortunes along the way. For example, there’s a chance of losing your passport, getting sick or injured, airlines losing your baggage or delaying and many more. But a multi trip travel insurance policy can cover you for all these. Consider these benefits of buying an annual multi-trip travel insurance policy:
1. Covers multiple trips
The key reason to have an annual international travel insurance plan is the benefit of covering multiple trips in a year. So, all your business travel that’s lined up for the year will be covered. This also saves you from the hassle of buying a travel policy every time you fly out for business.
2. Passport loss cover
Your passport is a key document during all your international business trips. It proves you’re an Indian citizen and has all your visa and immigration stamps. Losing it is bad business. But if you ever do lose your passport, then you needn’t worry because an annual travel insurance policy will take care of the expenses that go into issuing a fresh or duplicate passport.
3. Covers medical emergencies
Imagine going on one of your business trips and a sickness or injury strikes you unannounced. But if you’re ever hospitalised during one of your trips, you can rest assured that an annual travel insurance policy will cover you for the medical expenses. Additionally, you’re also covered for the cost of transportation to the nearest hospital for treatment or back to India if your medical practitioner allows you.
4. Covers dental treatment
No day is a good day to have a tooth problem. And you don’t want to have that when you’re on an important business trip. However, if you ever run into a dental problem while on your trip due to an accident, annual multi-trip travel insurance will cover you for the expenses that necessitate the treatment.
5. Handles baggage loss and delays
The misfortune of having your baggage delayed by the airline, or worse, getting lost in transit is something no one should experience. Least of all during your business trip. But if you do face baggage loss or delay, a multi trip travel insurance will cover you for the losses you’ve faced.
6. Covers trip cancellations
If you have to cancel your business trip because you’ve fallen gravely ill or because an immediate family member has passed away, you can recover the non-refundable money spent on travel and accommodation. Moreover, if the travel destination has unfavourable weather conditions, forcing you to cancel the trip then the multi trip travel insurance will cover you for non-refundable amounts.
7. Covers trip delays
Your trip could be delayed for a variety of reasons. You could face medical emergencies, a death in the family, loss of passport, unfavourable weather conditions, etc. All these will result in losses in terms of travel and stay. However, a multi trip insurance will compensate for the non-refundable expenses.
8. Covers trip interruption
Trip interruption is when you have to leave your business trip midway due to reasons like medical emergencies, bad weather, death of an immediate family member, etc. For example, you would have to come back to India if you have a major sickness, someone in the family passes away, or for extreme reasons like a terrorist attack in the city you’re in or inclement weather. For these reasons, an annual multi trip travel insurance will compensate you for the losses.
Key Features of Reliance Annual Multi-trip Plan
We offer annual multi-trip insurance under three different plans with a coverage of up to USD 500,000. All the plans offer several covers like cover for total loss of baggage, loss of passport, trip delays, trip cancellations and more. Here’s a detailed table of all the features:
Covers |
Standard Plan (in USD) |
Silver Plan (in USD) |
Gold Plan (in USD) |
Platinum Plan (in USD) |
Medical Expenses Incl. transportation, evacuation and repatriation of mortal remains | 50,000 | 100,000 | 250,000 | 500,000 |
---|
Dental treatment | 500 | 500 | 500 | 500 |
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Loss of passport | 300 | 300 | 300 | 300 |
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Total loss of checked-in baggage
# | 500 | 1,000 | 1,200 | 1,500 |
---|
Delay of checked-in baggage | 100 | 100 | 100 | 100 |
---|
Personal accident | 15,000 | 20,000 | 25,000 | 30,000 |
---|
Accidental death - common carrier | 2,500 | 2,500 | 5,000 | 5,000 |
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Personal liability | 50,000 | 100,000 | 200,000 | 250,000 |
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Daily allowance in case of hospitalisation | NA | 25 per day (5 days max) | 25 per day (6 days max) | 25 per day (7 days max) |
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Financial emergency assistance | NA | 300 | 300 | 300 |
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Hijack distress allowance | NA | 50 per day (7 days max) | 75 per day (7 days max) | 125 per day (7 days max) |
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Trip delay | NA | 25 per day (6 days max) | 50 per day (6 days max) | 60 per day (6 days max)
|
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Trip cancellation & interruption | NA | 600 | 600 | 600 |
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Missed connections | NA | 200 | 300 | 500 |
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Compassionate visit | Return fare for any one accompanying person - spouse/child/family doctor |
---|
What does the policy cover?
Frequent flyers, with our annual multi trip travel insurance policy you are insured for all of the following things while you’re travelling!
Accidental bodily injury during the trip
Acute anaesthetic treatment of teeth due to an injury
Emergency medical evacuation to India
Insurance against burglary in your home in India, while you are travelling abroad
Special distress allowance if your plane is hijacked for more than 12 hours
Cost of obtaining a fresh or duplicate passport in case of a lost passport
Facility to provide you emergency cash in case you lose travel funds due to theft
Expenses incurred if you miss a connecting flight due to a delay
Compensation for death or permanent disability due to an accident, within 12(twelve) calendar months of occurrence of such injury
Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters
Expenses incurred while transporting the insured’s mortal remains back home (INDIA) or towards burial abroad in case of an untimely demise
Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters
If your checked baggage is delayed more than 12 hours, your essential expenses shall be reimbursed. In case of total loss of baggage by the common carrier, we will provide compensation for the same
Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days
Compensation for a third party in case your involuntary actions result in someone’s demise, cause someone injury or damage to health or property
What does the policy not cover?
We have tried and made sure you get the maximum benefits with our travel insurance, unfortunately, you’re not covered under the annual multi trip annual travel insurance for the following while you’re off discovering the world!
Pre-existing medical conditions, unless it’s a life-threatening condition
Life-threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people up to 70 years of age. Customers need to declare all pre-existing diseases while taking the policy.
Claims arising out of non-disclosed and non-declared pre-existing medical conditions will not be covered.
Expenses incurred due to any of the following conditions:
Suicide
Self-inflicted injuries or illnesses
Mental disorder
Anxiety, stress or depression
Venereal diseases
Alcohol/drug abuse
HIV/AIDS
Expenses incurred if you’re:
Travelling against the advice of a physician and having to be hospitalised
Receiving or are on a waiting list for specified medical treatment
Travelling to receive treatment abroad
Have been given terminal prognosis for a medical condition
Any issues faced due to theft or loss of passport when left unattended or if you don’t report the loss to local police authorities
In case of loss of checked baggage, no partial loss or damage shall become payable
War or nuclear threat in the country where you’re travelling
Any emergency financial assistance claims made after you’ve returned to India
How to Buy Annual Multi-trip Travel Insurance Online?
You can buy an annual multi-trip travel insurance plan easily through our website www.reliancegeneral.co.in. Here are a few simple steps to get the insurance you need:
Step 1: Go to the travel insurance page and enter your details like name, number, travel destination, number of travel days, etc.
Step 2: Choose your desired plan and click buy now.
Step 3: Check your plan details like the premium amount and then enter the remaining personal details.
Step 4: Select your preferred mode of payment and proceed to pay.
You’ll get your multi trip travel insurance policy copy as soon as you complete the payment.
How to File An Annual Multi Trip Travel Insurance Claim?
Cashless Claim
Register Claim
The insured, his family or the hospital has to intimate a claim with the correct certificate number to Reliance General Insurance within 24 hours from the time of admission in case of hospitalisation. Note that the hospital has to agree to provide a cashless facility.
Claim Settlement
To avail Worldwide cashless facility, call the below-mentioned numbers or International toll-free numbers given country-wise in your Policy Schedule for any emergency assistance.
National Toll-Free No.: 1800-209-55-22
Landline No.: +91-22-67347843/44 (Charges Applicable)
Reimbursement Claim:
Register Claim
The insured or his family member has to intimate Reliance General Insurance within 24 hours of the occurrence of a claim
Claim Settlement
For reimbursement, submit the fully filled claim form along with the hard copies of all the required documents at the address mentioned below:
Europ Assistance India Pvt Ltd.
7th Floor, Star Hub, Bldg No. 2,
Near ITC Maratha Hotel,
Sahar, Andheri East,
Mumbai – 400 059, India
New International toll-free numbers
Netherlands | 00+800-99441111 | Thailand | 001+800-99441111 |
Belgium | 00+800-99441111 | Sweden | 00+800-99441111 |
Italy | 00+800-99441111 | Austria | 00+800-99441111 |
Norway | 00+800-99441111 | Czech Republic | 00+800-99441111 |
Poland | 00+800-99441111 | Denmark | 00+800-99441111 |
New Zealand | 00+800-99441111 | France | 00+800-99441111 |
Singapore | 00+1800-99441111 | Greece | 86002038017 (ITFS) |
Portugal | 00+800-99441111 | Hungary | 00+800-99441111 |
Australia | 0011+800-99441111 | Israel | 00 or 014+800-99441111 |
United Kingdom | 00+800-99441111 | Germany | 00+800-99441111 |
Malaysia | 00+800-99441111 | South Africa | 00+800-99441111 |
Japan | 001-010+800-99441111 | Spain | 00+800-99441111 |
China | 00+800-99441111 | Switzerland | 00+800-99441111 |
Hong Kong | 001 or 006+800-99441111 | USA | 18337426673 (ITFS) |
Taiwan | 00+800-99441111 | Canada | 011+800-9944 1111 |
Argentina | 00+800-99441111 | Philippines | 00+800-99441111 |
What are the Documents Needed to File a Claim?
1. You need to complete the KYC Process as per the AML/CFT Guidelines issued by IRDAI. You also need to submit PAN/Form 60 along with the below-mentioned documents for your international travel insurance claim.
2. You need to submit the original ticket/boarding pass, a copy of the passport indicating the travel dates and the completed claim form for every claim.
3. You also need to submit original bills/vouchers/reports and discharge summary for all claims.
4. You have to submit an official death certificate and a physician's statement giving the cause of death to avail reimbursement of the costs of transporting the mortal remains of the Insured/Insured Person to the Republic of India or of costs of burial abroad.
5. For claims related to a lost passport, you have to submit a Police Report obtained within 24 hours of the Insured/Insured person becoming aware of the theft along with the original bills/receipts of expenses incurred for a new/fresh passport.
6. A Property Irregularity Report or other report is usually issued by the common carriers in the event of loss of checked-in baggage. A letter from the airline will also need to be submitted stating the compensation, if any received from them for the lost baggage.
7. In case of claims related to personal liability, you need to submit proof of judicial decision rendered by a Court.
8. For claims under financial emergency assistance benefit, the police report filed within 24 hours of becoming aware of the robbery needs to be submitted.
For a complete list of applicable claim documentation please
click here.
Trip Extension
If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the
Extension Form with
Good Health Declaration form & visit the nearest branch.
Disclaimers:
*Total loss of checked baggage-Maximum amount payable per checked in baggage in case more than one bag has been checked in is 50% (100% for only one checked in baggage) of applicable sum insured and per item in baggage max 10%. Details mentioned are for Reliance Travel Care Policy: Annual Multi Trip Plan UIN: RELTIOP08002V010708.