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International Travel Insurance
Travelling abroad opens up a world of exciting possibilities, but unpredictable events can quickly turn your dream vacation into a nightmare. International travel insurance acts as your safety net, providing financial protection and peace of mind in case of unforeseen circumstances.
From medical emergencies and trip cancellations to lost passports and baggage delays, travel insurance covers a wide range of risks, ensuring you're not left stranded in a foreign country with sudden unplanned expenses.
Reliance Travel Insurance provides comprehensive yet affordable overseas travel insurance with premiums starting at ₹306* and a 100%* claim settlement Before embarking on your next international adventure, secure your trip with Reliance foreign trip insurance for a worry-free experience.
₹306*Starting Premium
100%*Claim Settlement Ratio
5 Crore+Policyholders
USD 500,000Max Sum Assured
International travel insurance, also known as overseas travel insurance, is a comprehensive financial safeguard that covers various travel emergencies when travelling outside India. It offers international travel protection and safeguards travellers from unanticipated events during their trips abroad.
This specialised insurance covers unexpected medical emergencies, such as illnesses or accidents, incurred while travelling internationally. It often offers international health insurance, covering hospitalisation costs, emergency medical evacuation and repatriation back to your home country if necessary.
Additionally, Reliance General Insurance's international travel insurance plan can reimburse you for trip cancellations or interruptions due to covered reasons, such as illness and natural disasters.
It can also cover lost or delayed baggage, providing compensation for essential items lost or damaged during your trip. In essence, it acts as a financial cushion, helping you navigate difficulties and ensuring you are not left stranded with unplanned expenses.
Reliance Travel Insurance acts as your travel companion, safeguarding your finances and ensuring you can enjoy your journey without the worry of setbacks.
International travel insurance protects you from financial emergencies while travelling abroad. It provides coverage for medical emergencies, trip cancellations, lost baggage and other unforeseen events. It additionally allows you to remain assured of unnecessary expenditure and just enjoy your journey.
Below are some important points to note:
Many countries require the purchase of a travel insurance policy to begin the visa application process. For example, acquiring a Schengen visa requires mandatory travel medical insurance with a minimum coverage of EUR 30,000.
This requirement is primarily intended to protect foreign visitors financially from unforeseen events such as passport loss or theft, lost or misplaced luggage, trip delays or cancellations, medical emergencies or accidents and situations similar to COVID-19.
Overseas travel insurance covers medical expenses abroad, including hospitalisation, doctor visits and emergency medical evacuation.
Insurance for travelling abroad reimburses for non-refundable expenses like flights and accommodation if you need to cancel or cut short your trip due to covered reasons like illness and natural disaster, etc.
Compensates for lost, stolen, or delayed baggage, providing funds to purchase essential items while you wait for your luggage to arrive.
Covers additional expenses like accommodation and meals if your flight is delayed or you miss a connecting flight.
Provides transportation back to your home country in case of a medical emergency or political unrest.
Travel insurance for international travel offers access to a helpline for emergency assistance, medical referrals, and travel-related support, no matter where you are in the world.
Overseas travel insurance comes in various types to suit diverse travel needs. Whether you are planning on a single trip, going on multiple trips throughout the year, travelling as a family or studying abroad, there's a policy tailored for you.
Each overseas travel plan offers distinct coverage options, ensuring you're protected against unplanned events during your travel.
Covers a single journey, ideal for one-time travellers or people who don't have regular trips.
Provides coverage for multiple trips in a year, ideal for frequent travellers.
Provides coverage tailored for a single traveller, offering flexibility in coverage options to suit personal needs.
Covers all family members under one policy, offering convenience and potential discounts.
Required for travel to Schengen countries, meeting specific coverage requirements.
Tailored for trips to Asia, covering regional risks like infectious diseases and natural disasters.
Designed for elderly travellers, covering pre-existing conditions and higher medical risks.
Covers students studying abroad, including tuition fees and study interruption.
Reliance General Insurance offers various travel insurance plans tailored to different travel needs.
You can buy overseas travel insurance online from the following categories:
Ensure a safe and enjoyable journey with one of the best international travel insurance in India.
Reliance Overseas Insurance offers comprehensive coverage with extensive travel insurance benefits. Following are the coverage details for our foreign trip insurance plans:
Note: The above table provides information and travel insurance benefits on the Reliance Travel Care Policy – Individual Plans. The covers mentioned above are subject to deductibles. Please read the policy wording, brochure and prospectus for more information.
Reliance overseas travel insurance offers comprehensive coverage to ensure you enjoy a safe and worry-free journey. Our international travel insurance handles various contingencies, from medical emergencies to trip cancellations, making it an essential part of your travel plans.
Here are the key coverages included in Reliance foreign trip insurance :
Travel insurance offers comprehensive coverage for medical emergencies, including treatment and hospitalisation. This coverage extends up to USD 500,000*, ensuring you have financial support during unanticipated health crises abroad.
Suppose circumstances such as illness, severe weather or terrorist incidents force you to cancel or cut short your trip. In that case, Reliance overseas travel insurance provides reimbursement of up to USD 600* for non-refundable or prepaid expenses.
The policy compensates up to USD 1,500* for the total loss of checked-in baggage. Additionally, if your baggage is delayed for more than 12 hours, our overseas holiday insurance covers up to USD 100* for necessary personal items like clothes and toiletries.
Losing your passport can be a hassle during international travel. Reliance international travel insurance covers up to USD 300* for the expenses incurred in obtaining a new or duplicate passport.
If you miss a connecting flight due to circumstances like inclement weather, our overseas travel insurance policy reimburses up to USD 500* for additional transportation costs and related expenses.
In the unlikely event of a flight hijacking, the policy provides a distress allowance of up to USD 125* per day for a maximum of seven days, helping you cope with the traumatic experience.
These key coverages ensure that your overseas travel is protected from various risks, making Reliance International Travel Insurance a reliable choice for your journeys abroad.
Reliance's International Travel Insurance offers robust protection for travellers, but it's important to know what is excluded from the policy. Here are the key exclusions of Reliance Overseas Travel Insurance :
Any claim relating to events that occurred before the policy period starts or after it ends is not covered. This ensures that only incidents within the covered period are eligible for claims.
Pre-existing diseases and complications arising from undisclosed health insurance are excluded from coverage. You need to disclose all pre-existing health conditions.
If the primary purpose of the insured's trip abroad is to seek planned medical treatment, such expenses are not covered under insurance for international travel.
Any claims made while the insured is travelling against the advice of a physician are not covered. Ensure the travel is safe and has been recommended by a healthcare professional.
Injuries or illnesses arising from participation in naval, military or air force operations are excluded. This includes active involvement in any form of military conflict.
Claims arising from self-inflicted injuries or criminal activities are not covered. Additionally, incidents resulting from drunkenness or substance abuse are also excluded.
Expenses related to mental disorders, anxiety, stress, depression, and venereal diseases like HIV and AIDS are not covered.
Any claims arising from war, invasion, acts of foreign enemies, hostilities, civil war, rebellion and insurrection are excluded. Participation in riots or civil issues is also excluded.
International travel protection does not cover loss or damage to items left unattended, including passports. Ensuring your belongings are secure at all times is essential.
The insured must bear the deductibles specified in the policy schedule. This amount is not covered by overseas travel insurance and must be paid out of pocket by the insured.
Understanding these exclusions helps ensure you are aware of the limits of your Reliance foreign trip insurance.
Reliance International Travel Insurance Policy stands out due to its comprehensive coverage, competitive premiums and exceptional customer service.
By following these steps, you can ensure that you choose the best foreign travel insurance that provides comprehensive coverage during your travels.
Start by comparing different online overseas travel insurance plans. Choose your comprehensive coverage that includes medical expenses, trip cancellations, baggage loss and more.
Ensure you understand what each plan covers. Check for emergency medical and dental treatments, trip interruption and personal liability. This will ensure you choose the best international travel insurance for your needs.
Evaluate the premiums of different plans. Ensure that the cost is reasonable and that the plan offers an adequate sum insured. This helps you choose the best foreign travel insurance without making extra payments.
Research the insurer's claim settlement ratio. A higher ratio means an increased chance of your claims being processed smoothly, ensuring reliable international travel insurance.
Once you've selected the right plan, proceed to buy the insurance securely. Enter your travel details, choose the plan and make the payment through a secure gateway to finalise your online international travel insurance purchase.
It is crucial to know the eligibility criteria for your international travel insurance plan. Here are the eligibility criteria for Reliance overseas travel insurance:
Purchasing an international travel insurance policy online from Reliance General Insurance is straightforward. Follow these steps to ensure you get the right coverage for your trip:
Step 1: Navigate to the top of the International Travel Insurance page and input your details, such as travel type, mobile number, e-mail address and travel destination.
Step 2: Select your desired plan type and click Buy Now.
Step 3: Review the premium details and fill in your personal information.
Step 4: Select your preferred payment method.
Step 5: Obtain your international travel health insurance policy for your upcoming trip.
Travel insurance cannot be renewed, but you can extend your coverage. If your holiday is extended for any reason, we recommend that you extend your travel insurance policy.
Get in touch with us and let us know about the trip extension.
Download and fill out the Extension Form with the Good Health Declaration Form.
You can mail it to us. Our customer support executive will get in touch with you to extend your travel insurance.
By choosing to buy international travel insurance online, you can ensure a seamless, efficient and cost-effective way to protect yourself during your travel.
Purchasing online international travel insurance allows you to compare various plans and select the best policy for your needs from the comfort of your home.
When you buy international travel insurance online, the policy is issued instantly, ensuring you are covered without any delays.
Online international travel insurance often comes with discounts and offers, helping you save on premiums while getting comprehensive coverage.
Detailed information about each plan, including coverage options and exclusions, is readily available, enabling informed decision-making.
Online tools allow you to compare different international travel insurance benefits side-by-side, ensuring you get the best value for your money.
Our website provides secure payment gateways, ensuring your personal and financial information is protected during the purchase process.
By following these steps, you can effectively compare international travel insurance policies and choose the best option for your needs.
To select a suitable policy, determine the coverage you require for your trip, such as medical expenses, trip cancellations and baggage loss.
Utilise online tools to compare international travel insurance policies side-by-side. These tools help in evaluating different plans efficiently.
Review the coverage limits for medical expenses, trip cancellations and personal liability to ensure adequate international travel protection.
Compare the benefits offered by each policy, such as emergency evacuation, repatriation and adventure sports coverage.
Pay attention to the exclusions in each policy to understand what is not covered. This will help you avoid surprises during claims.
Analyse the premiums of different policies. Ensure the cost aligns with the benefits and coverage provided by the insurance for overseas travel.
Read customer reviews and check ratings for each insurer to assess their service quality and claim settlement efficiency.
Ensure the online overseas travel insurance provider offers instant policy issuance and robust customer support.
By adhering to these steps, you can efficiently file a claim under the international holiday insurance policy.
In the event of hospitalisation, the insured, their family or the hospital must file a travel claim with Reliance General Insurance with the correct policy number within 24 hours of admission. It is important to note that the hospital must agree to provide the cashless facility.
To avail yourself of the worldwide cashless facility, call the numbers mentioned below or the international toll-free numbers given country-wise in your policy schedule for emergency assistance.
To access worldwide cashless facilities, call the numbers listed below or the international toll-free numbers provided country-wise in your policy schedule for emergency assistance.
National Toll-Free No: 1800-209-55-22
Landline No: +91-22-67347843/44 (Charges Applicable)
Fax: +91-22-6734-7888
Email ID: reliance@europ-assistance.in
New International toll-free numbers:
The insured or their family must file a travel claim with Reliance General Insurance within 24 hours of the claim occurrence.
For reimbursement, submit the completed travel insurance claim form along with hard copies of all required documents to the address provided below:
Reliance General Insurance, Claims Department,
C / O Europ Assistance India Pvt Ltd.7th Floor, Star Hub, Bldg No. 2,Near ITC Maratha Hotel,Sahar, Andheri East,Mumbai – 400 059., India
Reliance Care or Europ Assistance will review your claim and decide whether to approve it, reject it, or request additional documentation.
After your claim is approved, the benefits or compensation amount will be processed and disbursed.
To obtain trip insurance for international travel, certain documents are essential for a smooth application process.
By gathering and submitting the necessary documents, you can streamline the global travel insurance application process and ensure you are fully protected during your international travel.
Find here the complete list of travel insurance claim documentation.
Calculating international travel insurance premiums in advance is a smart strategy to ensure you stay within your budget when purchasing a policy.
You can use the Reliance travel insurance premium calculator to find out the cost of your international travel protection. Follow these steps:
Step 1: Locate the premium calculator at the top of this International Travel Insurance page.
Step 2: Select from Individual, Family, Student or Multi-Trip.
Step 3: Provide additional information as prompted by the screen.
Step 4: Click “Get Price" to see an estimated premium cost for your policy.
By comparing quotes, considering factors like deductibles, trip duration and leveraging discounts, you can significantly reduce your insurance costs.
Here are some practical tips to help you secure the best international travel insurance premium rates.
Obtain quotes from multiple insurers to find competitive international travel insurance premium rates. Comparison shopping can highlight the most cost-effective options.
Selecting a higher deductible can lower the international travel insurance cost. This means you will pay more out-of-pocket in case of a claim but save on the upfront premium.
Shorter trips and low-risk destinations often entail lower premiums. Plan your travel accordingly to minimise costs.
Use the discounts through online purchases or specific payment methods. These can significantly reduce the cost of purchase of travel insurance.
Evaluate your needs and choose coverage that matches them without unnecessary add-ons. This ensures you get adequate protection without overspending.
Understanding the relevant factors can help you manage and potentially reduce your international travel insurance premium:
One of the primary factors influencing international travel insurance premiums is the traveller's age. Elderly individuals generally need to pay higher premiums due to the increased risk of health issues and medical emergencies.
The length of your trip significantly impacts the premium. Longer trips expose travellers to more risks, thus increasing the cost of overseas travel insurance. Shorter trips usually attract lower premiums.
Some destinations may have higher healthcare costs or are considered risky, leading to higher premiums. Conversely, travelling to low-risk areas can lower your international health insurance costs.
The extent of coverage you choose affects your premium. Our Platinum plans offer extensive benefits, including trip cancellation, emergency evacuation and high medical coverage, which will cost more than a Standard plan.
Different international travel health insurance plans cover different needs—individual, family, multi-trip or single trip. The premium changes based on your needs and the type of insurance plan you choose.
Your medical history and any pre-existing conditions play a crucial role. Individuals with pre-existing health issues or senior citizens may face higher premiums as insurers consider them risky.
Many countries require international travel insurance as part of their visa or other regulatory requirements to ensure travellers can handle emergencies.
For instance, the Schengen group of countries require Schengen travel insurance for visa approvals.
Travel insurance is mandatory for the countries listed below:
However, you should buy international travel insurance for all destinations for a safe and worry-free trip, irrespective of any visa mandates.
International holiday insurance covers trip cancellations, lost luggage and medical emergencies. Additionally, health insurance for overseas travel is crucial since it provides coverage for medical treatments abroad, which domestic health plans typically do not cover.
Indian citizens can travel to several countries without a visa or obtain a visa on arrival. This facilitates smoother international travel and lessens the administrative burden. Some destinations offer visa-free entry for specific durations, while others provide visas upon arrival under certain conditions.
It's essential to check each country's specific requirements before travelling, as these can vary and may be subject to change. Having international trip medical insurance can be beneficial.
While travelling abroad, multi-country travel insurance becomes essential, ensuring continuous coverage across different destinations and protecting against unanticipated events throughout the journey.
Before planning an international trip, it's crucial to take specific precautions to ensure safety and well-being. Proper planning and preparation can prevent many issues during your travel.
Get necessary vaccinations and carry a first-aid kit. Ensure you have sufficient foreign medical insurance to remain worry-free during your trip.
Carry all essential documents, including your passport, visa, and travel itinerary. Check if trip insurance for international travel is mandatory.
Stay informed about local laws and customs; keep valuables secure and be aware of your surroundings to avoid any troubles during your journey.
Purchase the best international trip insurance to cover risks like trip cancellations and medical emergencies. Get international health coverage.
List emergency contacts, including local embassy information and keep them accessible. These are important when travelling outside India.
These precautions help ensure a safe and enjoyable international trip, safeguarding against unpredicted events and providing necessary support when needed.
When travelling to popular international destinations, securing appropriate international trip insurance is crucial. Travel insurance for international travel provides comprehensive coverage for various emergencies, ensuring a hassle-free trip.
Here's a comprehensive list of some of the most popular international destinations
USA
Canada
Australia
Japan
China
South Korea
Singapore
Thailand
Germany
France
Italy
Spain
Greece
Mexico
Brazil
Argentina
South Africa
New Zealand
United Arab Emirates
Choosing the best trip insurance for international travel tailored to your destination ensures that you are well protected against various risks and provides financial security during your travel.
Additionally, travel medical insurance for a Schengen visa is crucial for visiting countries in the Schengen area. It ensures you meet visa requirements and are covered for medical emergencies.
Disclaimer:
*T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708.Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy, Platinum Plan.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 maximum 10%.Claim settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.Policyholder count: The total no. of customers insured data is for FY24 and has been picked up from the internal source that highlights the number of lives insured column available in the Premium Register for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation, Crop Insurance, Weather LOB, Fire LOB and other LOBs.
Travel Insurance | International Travel Insurance | Student Travel Insurance | Senior Citizen Travel Insurance| Annual Multi-Trip Insurance
USA Travel Insurance | Thailand Travel Insurance | Dubai Travel Insurance | Canada Travel Insurance | Schengen Travel Insurance | Singapore Travel Insurance | Vietnam Travel Insurance | Travel Insurance United Kingdom | Bali Travel Insurance | Australia Travel Insurance | Malaysia Travel Insurance
Reliance Travel Care Policy covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling.
Any basic international travel insurance policy will cover you for:
Apart from these, you can opt for covers like:
Our insurance policy doesn't have any specific cover that takes care of sporting interests. In case you meet with an accident while playing leisure sports, provided it's not part of a competitive event, you can use the personal accident cover of your policy.However if you are involved in extreme sports like bungee jumping, mountaineering, air gliding or ballooning, and meet with an accident, then the policy won't cover you. Here's a complete list of hazardous activities which are not covered under the basic policy.
BASE Jumping
BMX Freestyle
Bouldering
Buildering
Bungee Jumping
Canoeing
Cave Tubing
Caving
Climbing
Drag Racing
Elevator Surfing
Extreme Skiing
Fencing
Free-Diving
Gliding
Hang Gliding
High Diving
Hiking
Horse Riding
Hot Air Ballooning
Ice Skating
Jetskiing
Kayaking
Kite boarding
Kite surfing
Knee boarding
Martial Arts
Mountain Biking
Mountain Boarding
Paintballing
Paragliding
Para motoring
Parkour
Poweriser [R1]
Rock Climbing
Roller Derby
Sailing
Scuba Diving
Skateboarding
Ski boarding
Skydiving
Sky surfing
Slam ball
Snow Boarding
Snow Skiing
Snowboarding
Street Luge
Stunt Pogo
Surfing
Trekking
Unicycling
Wakeboarding Water
Skiing
White water Kayaking
White water Rafting
Wind sports
Windsurfing
In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.
However, the international travel insurance policy will not cover you if your passport:
Your policy provides a reimbursement for delays in transportation of checked-in baggage beyond 12 hours. This is valid across all travel destinations that are mentioned in your ticket, including all halts as well.
This cover for delay will not be available in the following cases:
This amount will be up to a maximum, as mentioned in your policy schedule.
The loss of handbag is not covered. Your international travel insurance policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.
As long as you are travelling by "Common Carrier" means any scheduled commercial airline or ship or vessel operating under a license from the relevant authority for the transportation of passengers for hire you stay covered.
Your international travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.
Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner. If you have been hospitalised for more than 2 consecutive days, you can even avail of a daily allowance subject to plan opted.
No, since this is a special service that provides assistance in times of financial emergency that may arise due to theft or robbery you will not be able to avail this cover if you’re short of funds/cash.
In case your flight is hijacked, your policy will compensate you, up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.
If your plan covers home burglary, your house and valuables are covered for burglary or attempted burglary, up to the limit of sum insured. Please note that the cover does not protect you from losses sustained due to fire or other perils.
If you opt for the ‘Study Interruption’ cover, it provides you compensation in case:
If any illness / injury during the policy period abroad necessitates curative treatment beyond duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible. Emergency Assistance Service Provider must be notified immediately as soon as it is known that Insured / Insured Person is unfit to return to India. If any new illness / injury is contracted beyond duration of this Policy, treatment for the same will not be covered.
In such a case, if the death or disablement occurs within 12 months from the start date of the policy, the company will process the claim as per terms and conditions of the policy in favour of beneficiary/nominee mentioned in the policy.
In the event the Insured/Insured Person is hospitalized for more than 7 consecutive days, and his/her medical condition forbids repatriation and no adult member of his/her immediate family is present, the Company after obtaining confirmation of need for a companion from the attending doctor and the Emergency Assistance Service Provider, will provide:
a) a round trip economy class air ticket, or first class railway ticket, to allow one immediate family member, during the entire period of insurance, to be at his/her bedside for the duration of stay in the Hospital;
b) expenses towards stay of the immediate family member during such compassionate visit.
When you and your family are on a foreign tour, Reliance Travel Care Policy covers your home/ home contents in India against burglary. It protects your house and valuables from burglary and/or attempted burglary, up to the limit of Sum Insured. This cover does not cover losses sustained due to fire or other perils.
Yes. Please read your policy document carefully to understand what risks you're covered for and what is not covered. Ensure that you have the cover you need.
No, an international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover you for the relevant benefits, while you are travelling within the country.
No, the policy will not cover any expenses if there is passport loss in India.
There are various online methods to pay your premium and they are:
You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, the country you’re travelling to and type of risks you want to be covered for.
The policy cannot be extended online. The premium depends on the plan, age, geographical coverage and the number of days of primary policy opted and the extension number of days sought.
Currently there are no discounts available on our travel insurance plans however our travel plans come at nominal premiums with an extensive coverage and a high sum insured.
We have global network of Third-Party Administrators (TPA) who assist our customers to settle their claims abroad (the final decision on any claim made will be after receiving and assessment of all the documents).
You have two options here. You can go cashless by immediately intimating us in case of a medical emergency or loss. Following that we can process your cashless treatment in a hospital. You can also get your bills reimbursed after you clear your expenses from your own pocket. You can opt for reimbursement for facilities like OPD and doctor consultation which cost lower than a hospitalisation.
From the date of receipt of the last documents, it will take approximately 30 working days for the final settlement of the claim.
The original ticket/ boarding pass or a copy of the passport indicating the travel dates i.e. visa with entry and exit stamp plus the original bills and vouchers must be submitted along with the completed claim form for all claims.
Any other document(s) that we require from you to process the claim may be asked for, if we or the Service Provider requests that bills/ vouchers in a foreign language be accompanied by an appropriate translation then the same will be borne by claimant.
For medical claims: Medical Practitioner's Consultation notes, Original admission/ discharge card, Original Bills/ receipts with prescriptions and diagnostic/ investigative reports along with mandatory documents as claim form, copy of passport/ visa with entry and exit stamp and copy of the ticket and boarding pass.
Any other documentation as deemed necessary by the Company.
Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy. However, life-threatening conditions arising out of a declared pre-existing disease that necessitates emergency medical procedures will be covered.
No such pre-approval is required before hospital admission in case of any medical emergency. Registration of claim is required to avail benefits under the policy. Please call the given numbers in the policy schedule to register your claim and confirm your coverage under the policy as soon as possible upon hospitalisation, intimation can be done even by sending an email or making a call to our 24x7 emergency assistance partner on provided email address or toll-free numbers. Please refer to the policy schedule for contact details.
A sub-limit is a limit placed on a specific type of coverage within an insurance policy. In travel insurance, a sub-limit is placed on the coverage for medical expenses for insured members of a specific age. So older members will be able to utilise only part of the sum insured amount for a medical emergency because of a sub-limit.
The claim procedure involves intimation and settlement.
The first step you take is to inform the Emergency Service Assistance Provider (EASP) by calling them on the Help Line number or via email. The hospital has to get in touch with the EASP and confirm if they want to accept the cashless facility and submit all the medical documents and bills to the EASP. Post this, the EASP will assess the claim and place a Guarantee of Pay (GoP) to the hospital.
In case the hospital does not agree to the EASP’s GoP, you can settle the bill with the hospital and later get reimbursed from Reliance General Insurance.
Medical Assistance & Emergency Services are provided by our Service Provider, Europ Assistance who are at your Service 24*7 during trip duration. Please provide Immediate intimation of any claim / requirement for emergency assistance while abroad to ensure that the Claim is not prejudiced. Please contact the International Toll Free Helpline numbers given below. In case of any requirement for emergency assistance whilst abroad, please contact the toll free helpline numbers given below:
Singapore and Thailand — 001-80099441111,
Hong Kong — 001-80099441111 and 006-80099441111,
USA — 18337426673,
Canada -011-80099441111 ,
Australia —0011-80099441111,
Japan — 001-010-80099441111 and 010-80099441111,
Israel — 00-80099441111 and 014-80099441111,
Greece —86002038017,
Argentina— 00-80099441111,
Austria— 00-80099441111,
Belgium— 00-80099441111,
China— 00-80099441111,
Czech Republic— 00-80099441111,
Denmark— 00-80099441111,
France— 00-80099441111,
Germany— 00-80099441111,
Hungary— 00-80099441111,
Italy— 00-80099441111,
Malaysia— 00-80099441111,
Netherlands— 00-80099441111,
New Zealand— 00-80099441111,
Norway— 00-80099441111,
Philippines— 00-80099441111,
Poland— 00-80099441111,
Portugal— 00-80099441111,
South Africa— 00-80099441111,
Spain — 00-80099441111,
Sweden — 00-80099441111,
Switzerland— 00-80099441111,
Taiwan — 00-80099441111,
United Kingdom — 00-80099441111
Dedicated National Toll Free Help Line : 1800 209 5522
Land Line : +91 22 67347843 +91 22 67347844
Email : reliance@europ-assistance.in
The Trip Delay cover reimburses you for any reasonable additional expenses incurred in the event of a trip delay lasting over 12 hours due to unforeseen circumstances such as inclement weather conditions, loss of passport or travel documents, or unforeseen illness or injury of an immediate family member. The reimbursement amount will be pay as per the sum insured specified in the policy schedule.
If your checked-in baggage is delayed for more than 12 hours or misdirected by the airline, then you get reimbursed for the expenses of “Necessary Emergency Purchases”. Necessary Emergency purchases includes clothes, toiletries and medication.
If your checked-in baggage is completely lost by the airline, then you’ll get compensated for the same lost baggage up to the market value. Note that any partial loss of checked-in baggage will not be covered. Please check the policy wordings for full details of this cover.
If your trip is interrupted or you’re forced to cancel your trip before the scheduled departure date due to unexpected illness, death of your immediate family member, or inclement weather conditions, then you’ll get reimbursed for the forfeited, non-refundable prepaid payments made prior to the departure date. Please check the policy wordings for full details of this cover.
If you’re hospitalised during your trip and it can be proved that you need to continue treatment even after your policy expires then we’ll cover, you for an extra 30 days under the policy you bought. Please check the policy wordings for full details of this cover.
Sum Insured is the maximum amount we as an insurance company will pay towards the claims that you as a policyholder raise. It is the agreed upon amount stated in your policy document which will cover your risks up to a certain limit.
Reliance General Insurance shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by you for:
1. Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.
3. Treatment which could reasonably be delayed until the Insured/Insured Person's return to the Republic of India. The question of what can or what cannot be reasonably delayed will be decided jointly by the treating Physician and the Emergency Assistance Service Provider.
4. Treatment of orthopedic, degenerative, oncological diseases, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's life or measures solely designed to relieve acute pain in any case excluding chemotherapy or radiotherapy expenses.
5. Charges in excess of reasonable and customary charges incurred on account of an insurable event as per the determination by the Emergency Assistance Service Provider.
6. Expenses incurred in connection with cancer treatment, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute pain.
7. Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner).
8. Expenses incurred in connection with rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.
9. Expenses related to mental or psychiatric disorders.
10. Pregnancy, childbirth and any consequences thereof unless diagnosed as a Life Threatening Medical Condition by a Medical Practitioner.
Please refer policy wordings for complete list of exclusions.
You can visit any Dentist / Clinic for Emergency Dental relief and avail the treatment, and you can get reimbursed for emeregncy expenses at the dental clinic. Ensure you collect consultation notes, receipts and X-Ray reports from the dentist, which you need to submit to our claims department. You can intimate the claim after your treatment on our 24x7 emergency assistance department number and we will assist you with the claim procedure.
Yes, you can file a travel insurance claim in India upon return within 30 days from the Policy expiry date or date of your return to India whichever is earlier. However, it is advisable to file a claim while abroad as soon as any incident occurs leading to the claim under the Policy.
Reimbursement of all claims (except claims under Financial Emergency Assistance) will be made by the Emergency Assistance Service Provider (or Service Provider) in Indian Rupees on your return back to India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed. Claims under Financial Emergency Assistance shall be settled/arranged directly to you, whilst abroad, by the Service Provider. You shall immediately and in any event not later than 30 days after his return to India, notify the Service Provider and obtain a Claim Form for completion and return to the Service Provider along with supporting invoices and any other documentation or information that might be required or requested by the Service Provider.
We shall reimburse the expenses subject to approval of by cheque on the name of the insured.
The Third Party Administrator (TPA) or Emergency Assistance Service Provider means persons, or organisations who have been appointed by us to provide administrative services on our behalf and at our direction for an Insurable event. You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. in case of any claim.
You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. on the numbers specified on the Policy schedule.
Your cover beings on the start date specified in the Policy when you commence your journey by the specified airline (Common Carrier) outside the Republic of India till that date you return to India or the Policy expiry date whichever is earlier.
There is no specific list of hospitals or network which we have since the Policy covers all the hospitals and Service Providers abroad. In case of an emergency hospitalisation, you have to contact the emergency service provider and register the claim for cashless processing of your claim.
Coverage under this Policy is limited to the checked-in baggage which is entrusted with the airline (Common Carrier) during your trip.
You need to report this to the nearest Police station and visit the Embassy. Expenses incurred towards the procurement of a duplicate / temporary passport is covered due to loss of passport. Please check the policy wordings for full details regarding this cover.
You can visit any hospital/doctor and intimate us through a Service Provider to get your cashless or reimbursement claim.
The limit for all kind of expenses and what is included and not is mentioned in the policy wordings. We recommend you go through the same for all the details.
No, for any dental treatments or even outpatient treatments, you can only get reimbursed for your claims after you’ve paid for them first.
If you or any of the travelling members covered under the policy meet with an unfortunate accident that leads to total or partial disablement or death, then we'll compensate you or the legal heir for the loss. Here's a brief description of the compensation under the cover:
For a detailed table of the Personal Accident cover, please read the policy wordings.
In the unfortunate event, where the insured person becomes legally liable for death, injury or damage to the health of such third party or damage to his/her properties then the Personal Liability cover takes care of your legal expenses and the compensation that you have to pay to the third-party as per court of law upto the specified limits mentioned in the policy.
No, you cannot raise a claim for any treatment done after you return to India. Nor does it cover any treatments done before your trip commences.
You have to register a claim by contacting our Emergency Assistance Service Provider. After the claim registration, you can arrange and submit the supporting documents to the claims department. Once that’s done, our claims department will review the documents to ascertain the claim admissibility and update you if there is any additional requirement. Once a claim is found admissible, we shall update you and process the final reimbursement amount as per Policy terms and conditions.
No, there is no such card which we issue along with the Policy copy. You can submit the copy of your Policy schedule in the hospital & simultaneously contact our Emergency Assistance Service Provider to intimate the claim.
Yes, under the policy transportation to the nearest hospital and cost of an accompanying friend or colleague is covered. Air ambulance is also covered if deemed medically necessary and after the approval of our claims team. Please read the policy wordings for full details of this cover.
No, medicines purchased over the counter from a pharmacist are not covered unless and until prior consultation is sought from a Medical Practitioner and same is prescribed as a part of treatment. You have to consult a doctor and supporting consultation notes & prescriptions are required to claim for these charges.
In the absence of the required mandatory original documents, we will regrettably not be able to process the reimbursement amount.
If you lose all the original documents and thus are unable to produce the same at the time of raising a claim, then we’ll regrettably not be able to process the reimbursement amount.
Extension of the Policy during the duration of the trip can be done only once at the sole discretion of Reliance General Insurance. The Insured / Insured Person shall submit a declaration letter clearly mentioning the claims filed during the original Policy duration and also that he / she is unaware of any existing health condition which could result in a claim during the extension period.
In case a claim has been filed in the original Policy duration, then the Policy may be extended only if the claim filed relates to the following benefits:
The extension of any Policy is at our sole discretion, and we will not be liable to offer any reason to the Insured / Insured Person if the Policy is not extended.
No, there is no such pre-approval required before hospitalisation.
Unless and until a family floater policy is purchased, individuals will require a separate policy for each of them, and separate set of claim documents in case of any claim.
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