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You want peace of mind when you travel. You have got your passport, your shiny new camera, may be that awesome jacket or those fancy shoes. But aren't you forgetting something? Travel insurance is an important item and should be on top of your list.
International Travel Insurance for your kind of traveler who likes it stress free. Whether you are going solo or with family, to the snowy mountains of Switzerland or to the busy markets of Bangkok, we have got just the right travel insurance plans for you to chose from. If you travel more than once in a year, you can still insure your trips with our Annual Multi-trip travel insurance plan. Now go have fun and relax. Your vacation deserves that.
At Reliance General Insurance we strive to negate all possible risks that you could encounter while travelling. Whether you are going on a leisure or a business trip, we've tried to 'pack in' maximum coverage for a variety of situations in our travel insurance policies. Here's what we cover under our international travel insurance plans: -
As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover in our travel insurance policies: -
1.Life-threatening conditions are covered only if they arise from disclosed pre-existing diseases, which are mentioned in the travel insurance policy schedule, for people up to 70 years of age. Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered. So make sure to declare all pre-existing diseases while taking the travel insurance policy.
2. Expenses incurred due to any of the following conditions:
3. Expenses incurred if you're...
4. Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities.
5. Loss of checked baggage - no partial loss or damage shall become payable
6. War or nuclear threat in the country where you're travelling
Yes, with Reliance Travel Insurance you can extend your travel plan!If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It is always better to be safe than sorry!
Download and fill the Extension Form and visit the nearest branch.
*Above mentioned rates are exclusive of taxes. Calculation of premium is for a medical sum insured of $25,000 for an Individual of 26 years on an Asia trip of 4 days. No medical check-up till the age of 90 years. Details mentioned here are for Reliance Travel Care Policy.
Deductible means a cost-sharing requirement under this travel insurance policy that provides that the insurer will not be liable for a specified monetary amount or for a specified number of days / hours which will apply before any benefit are payable by Insurer. A deductible does not reduce the Sum Insured. A deductible is important as it makes you a co-owner of the policy, by taking up a certain portion of the loss himself / herself.
We offer policies to children aged 6 months and above to individuals up to 80 years. If the insured is above 80 years then a medical check-up is required.
The travel policies are recognized and accepted all over the globe. For your assistance we have International presence through the service provider. However Reliance general Insurance has special travel insurance plans depending on where you are travelling.
Yes. We have designed our travel insurance plans to meet both the requirements, that of leisure and business. Individuals travelling abroad on business purpose can also avail the facility of our Overseas Travel plan, while those who are frequent visitors to abroad can opt for our Annual Multi-trip Insurance.
This question should be addressed in the Claims tab and should be replied by Claims team
Yes, Policy is applicable for one-way travel also, including immigration travel with the condition that the maximum duration of coverage will be 60 days.
EASP means any organization or institution appointed by the Company for providing services to the Insured / Insured person for claim under insurable event.
No, every individual is to be issued only one travel insurance policy during his/her journey.
For Cancellation of a policy , Customer should provide policy copy details, Client letter / mail giving reason for cancellation and/or passport copy to prove non travel or visa rejection copy / cancelled ticket copy if such is the reason. Cancellation charges applicable.
If cancellation is done before risk start date full refund less cancellation charges will be provided. If it is after risk start date and due to non travel, with subsequent proof of non travel, full refund less cancellation charges will be provided. However post risk start date, the customer is cancelling the policy post travel or due to early return based on utilised premium, remaining premium less cancellation charges will be provided.
For Cancellation of a policy , Student should provide policy copy details, letter / mail giving reason for cancellation and/or passport copy to prove non travel or visa rejection copy / cancelled ticket copy if such is the reason. Cancellation charges applicable.
The maximum number of travel days under a single trip that may be insured, under the Policy, shall be 182 days. Provided that the Policy may be extended only once beyond the initial period of 182 days during the trip duration by a maximum of additional 183 days at the sole discretionof the Company by collecting additional premium. This also depends on the Age and plan selected
Termination of the Policy at a date earlier than the end date can be done only if the Insured / Insured Person returns back to the Republic of India earlier than the end date of the Policy. Refund of premium for the days between the arrival date and the end date of the Policy will only be given if the same are exceeding 10 days. A cancellation charge will be deducted from the refund premium. Premium refunded will be equal to the amount of premium to be paid for the original Policy duration minus the premium to be paid by taking the arrival date as the new end date. No refunds will be given on Policies with claims.
The maximum number of travel days under a single trip that may be insured, under the Policy, shall be 182 days. Provided that the Policy may be extended only once beyond the initial period of 182 days during the trip duration by a maximum of additional 183 days at the sole discretionof the Company by collecting additional premium. This also depends on the Age and plan selected .
The travel insurance policy covers will compensate you for any unfortunate outcomes/ losses of an accident that takes place during your travel. This compensation is different for various losses and is limited to the sum insured as mentioned in the plan. For e.g. in a case where the insured loses his arm, the compensation will be 70% of the sum insured. To understand the benefits click here (Is this click here active at the time of FAQs been displayed?)
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 travel insurance policy will cover you for:
Apart from these, you can opt for covers like:
We take care of all your emergency medical expenses incurred, while abroad, for any sudden illness / injury. We will also reimburse medical expenses towards medical evacuation to India. We also cover the cost of transporting the mortal remains of the deceased back home or the costs towards burial in case one one's untimely demise
Depending on the policy and additional covers you take, a travel policy could cover you for liabilities or risks like:
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 travel insurance policy will not cover you if your passport. . .
The loss of handbag is not covered. Your 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.
This particular travel health insurance policy will compensate you for any unfortunate outcomes / losses or any accidents that may happen when you travel. This compensation is different for various losses and is limited to the ‘sum insured’ as mentioned in the plan. To understand the benefits better
Your 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 eve avail of a daily allowance subject to plan opted.
This is a special service that provides you, the insured, assistance in times of financial emergency that may arise only due to theft or robbery. In a situation where you are short of funds / cash, this cover will not be able to help you.
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.
In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster, we will reimburse to you up to the maximum amount as mentioned in your policy.
If you opt for the Home Burglary cover, 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:
Pregnancy, childbirth and any consequences thereof unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's or the child's life in the event of acute complications, provided that the Insured/Insured Person has not completed the age of 38 years and 30th week of the pregnancy is not yet completed.
If any illness / injury during the 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 date of the policy start, the company will process the claim as per terms and conditions of the policy in favour of beneficiary / nominee mentioned in the policy.
Yes. Please read your policy document carefully to understand what risks you are covered for and what is not covered. Ensure, 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.
With Reliance General Insurance you can now choose between 5 payment options as mentioned below to pay your premium:
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, amount of premium you want to pay and the amount and type of risks you want to be covered for.
This depends on the plan, age, geographical coverage and the no of days primary policy opted and the extension no of days sought.
Although we do not have specific time frame we would certainly like the travel insurance claim to be intimated as soon as possible, for better assistance.
The original ticket/ boarding pass or a copy of the passport indicating the travel dates ie. visa with entry and exit stamp + 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.
Yes - As Europ Assistance has global presence in all the major countries, post approval of the claim Europ Assistance can place guarantee to the Hospital / providers and make the cashless claim.
Further, under Cashless Services - If the procedure stated above is complied with, Emergency Assistance Service Provider, as the case may be, will guarantee to the Hospital / other providers the costs of hospitalisation. transportation for emergency services, transportation home of the Insured. All costs will be directly settled by Emergency Assistance Service Provider on the Company's behalf and the same shall constitute due discharge of the Company's obligations.
Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.
No such pre-approval is require 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 to register your claim and confirm your coverage under the policy as soon as possible upon hospitalization, 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 policy schedule for contact details.
Deductible is a cost-sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified amount in case of indemnity policies and for a specified number of days/ hours in case of hospital cash policies which will apply before any benefits are payable by the insurer . A deductible does not reduce the sum insured.
No, There is no specific list of hospitals or network list which we provide, Registration of claim is required to avail benefits under the policy.
There is a limit for indeminity for person aged specified years old and above you can refer the Policy schedule and Benefit table to know the maximum Sum insured against Medical Benefit for a particular age group.
You shall immediately contact the Help line (Alarm Centre) of the Service Provider as mentioned in the Schedule. You need to contact the Help Line number while abroad as soon as possible and provide Notification of claim in case You are/will be filing any claim, even if assistance is not required. We will not be liable to pay any claim that has not been informed by you while abroad to the Help Line Number on return back to India. The Service Provider Help Line Number will verify the identity of the caller and assist you further with the claim procedure. In the event of an accident or sudden illness where it is not possible to do so before consulting a Medical Practitioner or going to the Hospital, You shall contact the Help Line Number as soon as possible. In either case, when being admitted as a patient, you shall show the concerned Medical Practitioner or personnel this Policy, if requested.
2. In the event that the Company makes any payment or reimbursement under this benefit, it is a condition of such payment that any recovery from any common carrier by the Insured / Insured Person, or on behalf of the Insured / Insured Person, under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air, 1929 ("Warsaw Convention") shall become the property of the Company.
The Company shall compensate the Insured / Insured Person if a trip is canceled or interrupted due to any of the following reasons:
If any illness / injury during the 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.
The original ticket/ boarding pass or a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claim form. The original bills and vouchers must be submitted along with 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 You. Medical Practitioner‟s Consultation notes, Original admission/ discharge card, Original Bills/ receipts with prescriptions and diagnostic/ investigative reports, copy of passport/ visa with entry and exit stamp and copy of the ticket and boarding pass.
The sum insured is the maximum amount the insurance company will pay, this amount is mentioned in your policy schedule against each benefit.
The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured / Insured Person for:
You can visit any Dentist / Clinic for Emergency Dental relief and avail the treatment, you can self pay the expenses and claim under Reimbursement. Ensure you collect consultation notes, receipts and xray reports from the dentist. which you need to submit to claims department. After your visit you can intimate the claim on our 24x7 emergency assistance department number who will assist you with further claim procedure.
Yes, you can file a travel insurance claim in India upon return within 30 days from the Policy expiry date or date you 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 Service Provider in Indian Rupees on Your return back to the Republic of 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.
Service Provider/ Third party administrator (TPA) means persons, organization named in the Schedule who has 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.
On the day specificied on the Policy start date when you commence your journey by common carrier outside republic of India till the date you return to India or Policy expiry date whichever is earlier.
Coverage under this Policy is limited to Checked in Baggage which is entrusted with the common carrier during your trip.
you need to report this to the nearest Police station and visit the Embassy, Passport loss is covered in our policy. Expenses incurred towards the procurement of a duplicate / temporary passport are also covered.
You can visit any hospital/doctor and intimate us after your visit to register claim for reimbursement in case of outpatient consultation visit and in case of inpatient hospitalization for more than 24 hours.
Same is mentinoed in the benefit table of your Policy schedule, however we recommmed you to go through the policy wording, it has all fine prints of policy.
No, for Dental Treatment you have to self pay the expenses and claim under Reimbursement.
Below is a brief description of conditions covered under the medical coverage
A percentage of the Limit of Indemnity specified in the Policy Schedule, if you sustain Accidental Bodily Injury during the course of your trip overseas while this policy is in effect, results in Accidental Death and Permanent Total disability, you can refer table of loses in the Policy wording under Personal Accident benefit.
The Company will indemnify the Insured / Insured Person in the event the Insured / Insured Person becomes legally liable to a third party under law for an incident which results in death, injury or damage to the health of such third party or damage to his/her properties, but not exceeding the Sum Insured as specified in the Schedule and provided the incident occurs during the period of insurance and whilst on a trip.
No, we regret Any claim relating to events occurring before the commencement of the trip covered hereunder and any time after the completion of the trip at any port of the Country of Your Residence is not covered under this policy.
within 30 days from the date of return to India or expiry date of the Policy whichever is earlier you have to arrange and submit the documents.
You have to register a claim by contacting our Emergency assistance provider, after claim registration you can arrange and submit the supporting documents to the claims department, after submitting the documents our claims department will review the documents to ascertain the claim admissibility and update you if any additional requirement. Once claim is found admissible we shall update you and process the final reimbursment amount as per Policy terms and conditions.
No there is no such a card which we issue along with the Policy copy, you can submit the copy of your Policy schedule in the hospital & simulteniously contact our assistance service provider to intimate the claim.
From the place of incident to the nearest Medical Facility or from one Medical facility to another Medical facility as recommended by Treating doctor charges can be considered as per Policy terms and conditions.
No, medicines purchase on the Counter from pharmacist are not covered unless and untill prior consultation is seek from Medical Practitioner and same is prescribed as a part of treatment. You have to consult a doctor and supporting consultation notes & prescriptions are require to claim for these charges.
In the absence of require mandatory documents in original we regret we shall not be able to process the reimbursement amount.
We regret we will require the documents for any claim reported under indeminity benefit, if same are lost and if you have not submitted your claim will be closed without any payment.
Extension of the Policy during the duration of the trip can be done only once at the sole discretion of the Company. 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,
From the date of receipt of the complete set of documents, i will take approx 15 days for the final settlement of the claim.
No there is no such a pre-approval is require before hospitalization.
Unless and untill family floater policy is purchased individuals will require separate policy for each of them, and separate set of claim documents in case of any claim.
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You can compare different travel insurance plans on the website and choose the one which suit your needs.
Every checklist of your overseas trip sould have a international travel insurance policy. In a resonable premium value it gives high level of security while travelling abroad.
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Saw a video on importance of travel insurance online and immediately decided to buy one for my upcoming overseas trip.
Each destination you travel to is different, so why should your travel insurance plan be the same?
We, at Reliance, understand this and bring you specific international travel insurance plans designed for Asia, Schengen countries, Annual Trips, Senior Citizens & Overseas trips, which you are probably aware of by now.
To know more about these travel insurance plans, continue reading or call us on 1800 3009 (Toll free).
To get your travel insurance premium, fill in the quote form now
Off to discover gorgeous locations in Asia? Definitely consider getting the Reliance Travel Care – Asia Policy. As the names suggests the Asia Travel Insurance policy is designed specifically for travelers wandering around Asia.
Compare different Asia Travel Insurance Plans
The Reliance Travel Care - Schengen Policy, as the names suggests is designed specifically for travelers wandering around any of the Schengen countries. Austria, Denmark, France, Germany, Italy, Netherlands and Switzerland are some of the popular Schengen countries.
The features of the
Schengen Travel Insurance Policy are:
Compare different Schengen Travel Insurance Plans
Compare Different Senior Citizen Travel Insurance Plans
Do you travel abroad very often? Have you racked up millions of frequent flyer miles? If your answer to both these questions is yes, then you should get our
Annual Multi-Trip Insurance Policy. It offers you coverage for multiple trips in the period of one year, so you don't have to stress about applying for international travel insurance every single time!
Instant online travel insurance policy booking (or on call @ 1800 3009 Toll free)
Compare different Annual Multi-Trip Travel Insurance Plans
Education abroad is the norm now. You get new opportunities, new experiences and a sense of independence. What happens if you fall ill and are forced to skip a semester? This is when a student insurance comes into picture. With a Reliance Student Travel Insurance in place that’s tailored for students, we got you covered. Here are some key features of the cover that make it a must for every student –
E-mail Brochure .
E-mail Policy Wording .
E-mail Claim Form .
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You can avail Reliance Travel Insurance for Schengen starting at just 401*. Yes, you heard it right. You can travel to 26 countries with a single Schengen travel policy!
You can avail Reliance Travel Insurance- the most preferred family plan for Asia starting at just 306*!
Reliance Travel Insurance aims to make your travel a memorable one. Explore the world worry-free with Reliance Travel Insurance.
Reliance Travel Insurance aims to make your travel a memorable one. Explore the world worry-free with Reliance Travel Insurance.