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Senior Citizen Travel Insurance Plan

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Senior Citizen Travel Insurance Plan

Benefits

Senior Citizen Travel Insurance
​​​​​​​​​Instant
Policy Issuance
No medical
Check-up
Covers
Pre-existing diseases ​​
Cashless
Hospitalization​ Worldwide

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Our parents have been with us through th​ick and thin. Now in their second innings, it time for you to be there for them. But professional commitments necessitate you being away from them. Considering this, what can be more endearing to your parents than having them at your place and spend quality time? Along with travel insurance, this is the best gift you can give your parents in their twilight years, that too with a simple click. With Reliance Travel Care Policy – for Senior Citizens, bring your parents home!
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​​​​​Take a look at the various plans that we have in store for you-

Travellers aged between 61-70 years-​

  • Standard
    (in US$)
  • Silver
    (in US$)
  • Gold
    (in US$)
  • Platinum
    (in US$)
​
Medical expenses
50,000
 
100,000
 
250,000
 
500,000
Loss of Passport
✔
 
✔
 
✔
 
✔
Total Loss of checked​-in baggage*
500
 
1,000
 
1,200
 
1,​500
Delay of checked-in b​aggage
✔
 
✔
 
✔
 
✔
Daily Allowance in case of Hospitalisation (25 per day)
✘
 
5 days
max
 
6 days
max
 
7 days
​max
Financial Emergency Assistance
✘
 
✔
 
✔
 
✔
Hijack Distress Allowance (7 days max)
✘
 
50
p​er day
 
75
per day
 
125
per day
Trip Delay (6 days max)
✘
 
25
per day
 
50
per day
 
60
​per day
Trip Cancellation & Interruption
✘
 
✔
 
✔
 
✔
Missed Connection
✘
 
200
 
300
 
500
Home Burglary Insurance (in Rs)
✘
 
100,000
 
200,000
 
300,000

Travellers aged between 71-90 years-​

​​​​ ​​​​Coverage​​Standard (in US$)
​​Medical expenses#​50,000
​Total loss of checked-in baggage*​500
​​​Loss of passport​150
​​​​​​​Personal Accident​15,000
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*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%. ​#For travellers aged between 81-90 years, per illness/injury/hospitalization limit restricted to $15,000.

Want more details?​​ ​​C​lick here to view the detailed table of above mentioned coverage​​

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What does the ​poli​cy cover?​

 

Senior citizen travel insurance covers a variety of situations - have a look!

  • Accidental bodily injury during the trip
  • Acute anaesthetic treatment of teeth due to an injury
  • Total loss of your checked-in baggage by a common carrier
  • Emergency expenses made for medical evacuation to India
  • Special distress allowance if your plane is hijacked for more than 12 hours
  • 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 of more than 3 hours
  • Expenses incurred for the purchase of toiletries, clothing and medication in case luggage is missing for more than 12 hours
  • Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days
  • Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters
  • Insurance against burglary in your home, while you are travelling abroad covered under overseas travel insurance for senior citizens
  • Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters
  • Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property
  • Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death covered under overseas travel insurance for senior citizens
  • Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise covered under overseas travel insurance for senior citizens

 

 
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What does the polic​y not cover?​

 

Here's a list of things your senior citizen travel insurance policy won't cover!

  • Expenses incurred if you are-
    • Traveling against the advice of physician and have 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
  • Have been given terminal prognosis for a medical condition 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
  • War or nuclear threat in the country where you're travelling
  • Schengen Travel insurance for senior citizens above the age of 80
  • In case of loss of checked baggage, no partial loss or damage shall become payable
  • Life threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people upto 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.
  • 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.
​Want to extend your trip? Take a look at this-​​

​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.​

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*T&C apply. Details mentioned here are for Reliance Travel Care Policy.

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Senior Citizen Travel Insurance FAQ

Why do I need Senior Citizen Travel Insurance?

​With senior citizen travel insurance, you get a host of benefits from the perspective of security for your trip. When you are travelling, you are exposed to a number of risks such passport loss, baggage loss/theft, personal accident as well as medical emergencies. Having a robust travel insurance plan safeguards you against such risks and protects you from the financial liabilities that may incur due to them. Thus, it is a must for senior citizens or the elderly to buy a travel insurance as a precautionary measure.

Is Senior Citizen travel insurance mandatory?

​No. It is only mandatory in certain locations such as Schengen countries and Australia. However, senior citizens are exposed to more risk of falling sick in foreign locations due to their age. Hence, it is always advisable to carry a senior citizen travel insurance as a precautionary measure.

What is a deductible? Why is this necessary?

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.​

What are the age criteria for which you issue a travel insurance policy online in India?

​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.

In which countries are the international travel insurance policies recognised / accepted?

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.​​​​

Can I buy insurance if I am going on a work permit abroad?

No, our Policy is designed to cover Leisure or Personal Business trips​.

When is it beneficial to buy a corporate plan rather than buying individual travel plans?

​A business or corporate travel insurance policy is beneficial in case you:

  • have large number of employees travelling at different times.
  • have large number of travelling days.
  • want to cover certain risks for certain employees.
  • need worldwide coverage.
  • have high turnover of employees.
  • want to cover employees from various group companies.
  • want to minimize documentation.
  • want simple and easy administration.

 

What documents will the company have to submit to purchase a corporate travel plan?

To take a travel insurance policy you just have to submit a complete and duly signed proposal form along with the premium payment. In case you are availing a short term travel policy, then you will have to fill and submit, an "employee intimation form" each time any of your employees is travelling.

Can stand-alone policies of the company executives become part of corporate plan?

​No, these policies cannot become a part of the corporate plan. You can choose to continue with these standalone policies and thereby opt for those many less number of travel days in the group policy.

Alternatively, if you want all the executives to be a part of one plan, then you can cancel those standalone policies prematurely and make them a part of your corporate group policy.

Are 'business travellers' eligible for a Travel Insurance policy?

Yes. We have designed all 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.​

Is an FIR required on occurrence of an accident?

​An FIR (First Information Report) is required in cases of:

  • Loss of passport
  • Claim under Home burglary insurance
  • Bail Bond
  • Accidental Claims under Personal accident section
  • Personal liability
  • Financial emergency

What are the benefits of senior citizen travel insurance?

Amongst the many benefits of senior citizen travel insurance, medical expenses coverage is the most important.  Some of the features include:

  • Cashless hospitalization during a medical emergency. This is very helpful for senior citizens.
  • Coverage of expenses for medical evacuation to India.
  • Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier.
  • Reimbursement of return ticket fare for a family member visiting you, the insured, if you are hospitalized for more than 7 days
Other benefits include:
  • Coverage for lost passport and checked-in baggage.
  • Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters.

What are the risks for senior citizen travellers?

​The major risks faced by senior citizens are related to health concerns. With age, there is an increased risk of a medical emergency. In the case of a pre-existing medical condition, there is a sifnificant risk of the condition getting aggravated due to travel strain. Owing to ill-health, chances of meeting with an accident are also increased. Additionally, new climate and food can also tend to take a toll on one’s health.

​What paperwork is required for buying senior citizen travel insurance?

Zero paperwork​

How can I cancel my senior citizen travel insurance policy?

​To cancel your policy, all you have to do is submit a letter at any of our branch offices. Once we receive a written request from you, your policy will be cancelled within one day.​

Will I get refund if I cancel my policy?

​The policy bought online will be cancelled and the amount refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.

How many times can we extend the travel insurance policy for seniorsin one year duration?

​You can extend the policy any number of times provided the total duration of the policy is less than or equal to 180 days​

If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

​Yes, we refund part of your premium if no claim has been made on any part of your policy and there is more than 30 days left from the expiry date.

Can I extend my policy?

Yes, with Reliance Senior Citizen ​Travel Insurance you can!​ If your holiday is extended for any reason, we recommend that you extend your senior citizen travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form and visit the nearest branch.

What kinds of risks are covered under travel insurance policy?

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:

  • Medical Expenses Including Transportation, Evacuation And Repatriation Of Mortal Remains
  • Personal accident

Apart from these, you can opt for covers like:

  • Dental treatment
  • Financial emergency
  • Compassionate visit
  • Delay / Total loss of checked in baggage ​​
  • Trip delay, cancellation and interruption, Missed connection
  • Loss of passport
  • Home burglary insurance
  • Personal liability
  • Accidental Death  - Common carrier​

What liabilities / risks are covered in my travel insurance policy?

​Depending on the policy and additional covers you take, a travel policy could cover you for liabilities or risks like:

  • Medical expenses
  • Emergency medical evacuation
  • Transport of mortal remains
  • Dental treatment
  • Loss of passport
  • Total loss of checked-in baggage
  • Delay of checked-in baggage
  • Personal accidents
  • Accidental death & dismemberment
  • Personal liability
  • Daily allowance in case of hospitalisation
  • Financial emergency assistance
  • Hijack distress allowance
  • Trip delay
  • Trip cancellation and interruption
  • Missed connections
  • Compassionate visit
  • Home burglary insurance

I am not a professional sports person. But I do play some sports like golf and cricket. Am I covered for these sports? What if I meet with an accident while ballooning / gliding?

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.

Does the senior citizen travel insurance policy cover for dental treatment?

​Yes, it does. We will reimburse your dental expenses for any acute anesthetic treatment of teeth due to an Injury​​​

How will my policy help me if I lose my passport?

​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. . .

  • is confiscated or detained by customs officials, police offers or police authorities.
  • Is lost on account of it being left unattended or forgotten in a public place or transport, hotel, apartment or a private place or vehicle.
  • has been robbed and you have not reported the incident to the local police within 24 hours of the event. We will require a copy of the report when you make the claim.

What will happen if my baggage does not clear in time? Will my policy help me in any way?

Your policy provides a reimbursement for delay 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:
  • If your baggage is lost, unless a Property Irregularity Report or equivalent report, issued by carrier, is procured and submitted.
  • If there is partial loss of the items contained in the checked-in baggage.
  • If items contained in the checked-in baggage, valued in excess of US $100, do not have appropriate proof of ownership.
  • If the valuables, money, securities, tickets and passes or any other item(s) are not declared,
  • If the losses are a result of delay, detention, confiscation by customs officials or other public authorities.
  • If the losses are incurred due to complete / partial damage of the checked-in baggage.
  • If the checked-in baggage is delayed on the inbound sector to India.
This amount will be up to a maximum, as mentioned in your policy.

What if a hand bag is lost while travelling by airline, will it be covered under senior citizen travel insurance policy?

​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.​

Will my senior citizen travel policy cover the expenses incurred while getting a new passport in India?

​​Your policy will pay the necessary expenses incurred while obtaining a duplicate or fresh passport after coming to India. This will be up to the maximum sum insured mentioned in your policy.​

How am I covered in case I meet with an accident and suffer injuries / any loss?

​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 click here.​​

If I suffer any loss while travelling by railway / ship in a foreign country, does my travel insurance policy help me in any way?

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​.

If I hire a car while travelling and meet with an accident, will the policy cover me?

​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.​

In case I fall sick and need hospitalisation, will the policy cover me for all my expenses?

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​.

In case I am short of cash, can I avail of Financial Emergency assistance?

​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.

What if my flight is hijacked? Will my insurance policy be of any help?

​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.

What happens if the flight is delayed?

​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.

My entire family is travelling with me for 2 months. My house is going to be locked. In case there is a robbery / theft or fire will the insurance policy reimburse us?

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.

As a student, if I fall sick and have to repeat a semester will my policy help me in any way?

If you opt for the ‘Study Interruption’ cover, it provides you compensation in case:
  • you are hospitalised for more than one consecutive month on account of any disease, illness, injury, terminal sickness or medical repatriation,
  • an immediate family member or your sponsor expires, leading you to discontinue your studies for the remaining part of the current semester, the tuition fee for which has been paid.

Is a student covered for delay in exams?

​A student travel insurance policy covers you for a specific period depending on your choice. If your examination is delayed, but it is still within this specific period, your insurance policy will cover you. In case your examination is delayed and this causes an unanticipated extension beyond the specified period, you can always extend your policy.

Is pregnancy or disease/complication arising out of pregnancy covered?

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.​
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If I sustain a loss on the last day of the policy and continue treatment abroad will the policy be automatically extended to cover the loss?

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.​

If a loss sustained during the policy period while abroad, and this results in death or disability after coming to India. Will this 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.

What is Accidental Death and Dismemberment-Common Carrier?

​The Company shall compensate the / Insured Person or their legal heir as the case may be, for any injury (whilst on a trip covered by this Policy) solely and directly caused by an accident occurring during the period of insurance resulting in death within 12(twelve) calendar months of occurrence of such injury while riding as a passenger (but not as a pilot, operator or member of the crew) in or on, boarding or alighting from any common carrier​

What does this travel insurance policy cover under Compassionate visit?

In the event the Insured / Insured Person is hospitalized for more than seven (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.​


What cover does Reliance Overseas Senior Citizen Travel Insurance offers towards home and home contents?

​When you and your family are on a foreign tour, Reliance Travel Care Policy covers your home/ home contents against burglary. The policy covers your home contents as per their market value. 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.​​​

Are there any exclusions in thesenior citizen travel insurance 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.​

Can the existing Overseas Travel Insurance policy for senior citizens be extended to cover domestic travel as well?

​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.​

What are the modes of payment?

With Reliance General Insurance you can now choose between 5 payment options as mentioned below to pay your premium:
  • Online payment
  • IVR online payment
  • Free Cheque pickup
  • Mobile payment
  • Payment at any Reliance branch office

How do I decide the scope of insurance I require while travelling or does the insurance company decide this?

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.

If we add, delete or substitute a member to an already existing corporate group what is the implication on premium?

​The corporate policy is designed to provide you convenience of usage. If you have opted for a short-term plan for a specific period of insurance and number of man-days, a float amount for your company would be created with us.

As and when an individual employee travels, his details need to be intimated to us. The premium amount, based on the employee's number of days of travel, age and some other details, would be adjusted in this float amount. Similarly, let us know as and when you add or delete a person, so we can adjust the float amount.

Are there any group discounts?

​Yes, we do give group discounts. The details are as follows:

 

No of PeopleDiscount
10-2010%
21 -5015%
51 and more20%


How does Reliance General Insurance settle its claims abroad?

We have TPA with Global networking to settle the claim aboard (cashless and post approval - Final decision of any claim made will be done after receiving and assessment all the documents)​.

Does a claim have to be lodged or made in a specific time frame from the time of the accident?

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.​

Do I need to pay the doctor / hospital / service provider or will they bill the Reliance General Insurance?

Cashless facility is provided for inpatient hospitalization, for which insured needs to intimate the claim as soon as possible so that we can process the cashless procedure. However, Insured can always choose to self pay and come for reimbursement if he / she wishe.  For OPD visit and consultation - as the expenses are less, insured can claim under reimbursement.​

How long does it take to settle a claim?

From the date of receipt of the complete set of documents, it will take approx 15 working days for the final settlement of the claim​.

​What kind of documentation is required while making a claim?

The documentation will vary depending on the type of the claim. Here’s a comprehensive list of requirements for the various types of covers.
Medical & Emergency Expenses

  • Claim form with the surgeon's signature
  • Copy of your travel policy
  • Doctor's report
  • Original admission/discharge card
  • Original bills/receipts/prescription
  • Original X-ray reports/ Pathological/ Investigative reports
  • Copy of passport/visa with entry and exit stamp.

Loss of Baggage

  • Claims form
  • Copy of your travel policy
  • Copies of baggage tags
  • Copies of correspondence with the airline authorities or others about loss of checked baggage
  • Property Irregularity Report (obtained from Airline)
  • Details of compensation received from airlines/other authorities if any

Delay of Baggage

  • Claims form
  • Copy of your travel policy
  • Copies of baggage tags
  • Copies of correspondence with the airline authorities certifying the delay
  • Property Irregularity Report (obtained from Airline)
  • Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period.

Loss of Passport

  • Claims form
  • Copy of your travel policy
  • Copy of new passport
  • Copy of previous passport (if available)
  • Original bills/invoices of expenses incurred for obtaining a new passport
  • Copy of FIR/ Police Report

Trip delay / cancellation/ interruption/ missed connection

  • Claims form
  • Copy of your travel policy
  • Confirmation from the airlines clearly mentioning the scheduled arrival time and the actual arrival time
  • Copies of correspondence with the airline authorities certifying the delay
  • Medical reports and doctors statements if the trip is cancelled or interrupted due to medical reasons
  • Termination letter from the company if trip is cancelled or interrupted due to employment reason
  • Police report confirming the incident if the delay is due to any other insured events
  • Original tickets of the insured and the travelling companion indicating travel to the same destination for the same dates in case the cancellation or interruption is due to the sickness injury or death of a travelling companion
  • All the bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers

Personal Liability

  • Claims form
  • Copy of your travel policy
  • A detailed statement mentioning details of the incident
  • Witness statements
  • Any other documents relevant to the incident including Summons Legal Notice etc.
  • Any other information you would like to share with us.

Hijack

  • Claims form
  • Copy of your travel policy
  • Full statement of the events in writing
  • Airline correspondence (copy of Passenger List etc.)
  • Copy of ticket/ Boarding Pass

Accidental Death

  • Claims form
  • Copy of your travel policy
  • Original Death Certificate
  • Copy of FIR/Police inquest report/Coroners report
  • Copy of Post Mortem report.

Dismemberment Case

  • Claims form
  • Copy of your travel policy
  • Copy of treatment papers along
  • Copy of FIR/Police inquest report/Coroners report

Financial Emergency Assistance

  • Claims form
  • Copy of your travel policy
  • Date of loss
  • Copy of FIR/ Police Report

Bail Bond

  • Claims form
  • Copy of your travel policy
  • A detailed statement
  • Court order stipulating the required amount as bail bond
  • Police report.

Sponsor Protection

  • Claims form
  • Copy of your travel policy
  • A detailed statement
  • Medical reports or doctor's statement giving the details of the sponsor and cause of death certificate of the sponsor

Please remember any medical statements from relations / spouse will not be accepted.

Compassionate Visit

  • Claims form
  • Copy of your travel policy
  • A detailed statement
  • Medical reports and certificate from the doctor confirming hospitalisation of the insured, reason of hospitalisation and duration of hospitalisation
  • Doctor's statement specifically stating the need for an attendants

Study Interruption

  • Claims form
  • Copy of your travel policy
  • A detailed statement.
  • Medical reports or doctor’s statement
  • Death certificate as a proof of the reason of study interruption (in case of death of immediate family members)
  • Receipts of the university fees paid

Please remember any medical statements from relations / spouse will not be accepted.

Home Burglary

  • Claims form
  • Copy of your travel policy
  • Copy of the FIR
  • List of items stolen along with year of purchase and value

Dental Treatment

  • Claims form
  • Doctor's report
  • Copy of your travel policy
  • Original medical bills/receipts

If there is no ‘Europ-Assistance India’ certified hospital where I stay, will there still be cashless settlement?

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.​

How to file a Claim for Senior Citizen Travel Insurance?

​Filing a claim is very easy. These are the steps to follow-

  • Intimate Reliance General Insurance within 24 hours of the incident. 
  • To avail worldwide cashless facility, call on the numbers mentioned here: https://www.reliancegeneral.co.in/Insurance/Claims/Travel-Claims-Process.aspx
  • For reimbursement, submit the duly filled claim form with the necessary documents. 

Senior Citizen Travel Insurance Reviews and Ratings

Average Rating:

4.9(Based on 307 ratings)

Showing 10 reviews

  • “Endorsement”

    Whenever I travel, I take the travel insurance with Reliance General Insurance because the services are excellent. Also, I use Self-i application for my all policies. I can access my policies from there and can avail required information easily.

    SOMANATH TARIKERE8 June 2022, KARNATAKA
  • “travel without worry”

    Was taking my mom to her first overseas trip. Decided to buy a senior citizen travel insurance policy for her as a precautionary measure. It feels good to be secured.

    Surendra k5 January 2018, Goa
  • “Senior Citizens can Travel Safely”

    Travelling as a Senior Citizen can be frightful if you aren't sure about your medical needs being taken care of. Reliance General's senior citizen travel insurance gave me and my wife the confidence to start travelling again.

    Rajasekhar S20 November 2017, Vadodara
  • “Senior Citizens can Travel Safely”

    Travelling as a Senior Citizen can be frightful if you aren't sure about your medical needs being taken care of. Reliance General's senior citizen travel insurance gave me and my wife the confidence to start travelling again.

    Rajasekhar S16 November 2017, Vadodara
  • “Spend a bit in a travel insurance”

    My wife and I, both senior citizens decided to take a trip to America along with a tourism group. My health weakened a bit due to the sudden change in weather. I had to spend a day in the hospital. The medical expenses in America are way too high for us to pay in indian rupees. I would rather spend a bit in a travel insurance than spend dollars behind medical treatment.

    Mansoor S9 November 2017, Chennai
  • “Had a good tension-free trip”

    While taking my parents abroad for the first time, I bought your senior citizen travel insurance policy. We had a good, tension-free trip thanks to Reliance General Insurance. This is the plan to have while travelling with your parents.

    Tony D13 October 2017, Patna
  • “Got free international sim card”

    The premium offered for this travel insurance at this price is really good. Ended up using the free international sim card they gave. Thanks reliance.

    Mirza S19 June 2017, Hyderabad
  • “Reliance travel insurance for elders highly recommended”

    Travel insurance for my elderly parents helped them travel stress-free and visit a new country. Reliance travel insurance for elders highly recommended

    Navya N14 June 2017, Hyderabad
  • “Good customer service”

    Great customer service and good value added benefits

    Maddy Y9 February 2017, Bhandup
  • “Good for senior citizens”

    A very good travel policy for 60 plus at a cheap price.

    Kiran J8 February 2017, Mulund
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