What is Senior Citizen Travel Insurance?
Senior Citizen Travel Insurance is a type of insurance plan for customers or policyholders who fall under the senior citizen category, i.e. 60 years and above. When you buy travel insurance for senior citizens you secure a promise to get financially compensated for any losses you incur due to a risky event during a trip to a foreign country.
It perfectly complements your travel with covers for various risks like emergency hospitalisations, baggage losses, flight cancellations, loss of passports, trip delays and compensation in case of death or disability. Additionally, a senior citizen travel policy also covers dental treatment, personal liability against third-party losses, financial assistance during emergencies, daily cash allowance in case of hospitalisation, etc.
This insurance policy works well for Non-Residents of India (NRIs) who want to have their parents with them on short visits or stays for longer periods.
Whether you're looking to visit the country of your dreams or your children in the Middle East, UK, US or Australia, get international senior citizen travel insurance from Reliance General Insurance to protect yourself from financially draining emergencies.
Benefits of Buying Senior Citizen Travel Insurance
It's better to have international travel insurance for senior citizens instead of leaving yourself vulnerable to unforeseen losses on your foreign trip. So consider these benefits of senior citizen travel insurance that'll save you from trouble:
1. Cover for loss of luggage
After your health, you're probably concerned most with your baggage. A loss of your precious belongings will steal the joy that you were supposed to have on your trip and could cause severe financial losses too. But such losses can be mitigated with travel insurance for senior citizens. It will cover you in case the airline loses your check-in baggage or delays its arrival.
2. Covers for trip cancellations
The worst feeling is cancelling a trip you have been looking forward to for months. But sometimes you're forced to cancel due to an unforeseen illness, injury or death that occurs to any of the insured travelling members. Also, bad weather conditions or a terrorist attack in your destination country could force you to cancel your trip. Such scenarios that result in you losing money are covered in an international senior citizen travel insurance policy.
3. Covers for trip interruptions
Circumstances that lead you to cancel your trip before it starts like injury, death, bad weather, etc. could also occur during your trip. Such trip interruptions force you to return to India to either attend to a medical emergency or escape unfavourable conditions in your destination country. These situations are also covered in our senior citizen travel insurance policy making the sting of the loss a little lighter.
4. Covers for trip delays
You're on the cusp of beginning your international trip when an untoward incident delays your journey. Again this could be in the form of an unforeseen illness, injury or death, bad weather conditions, occurrence of a natural disaster in the place you booked to stay, delay by the airline, loss of passport, money or other travel documents. However, having senior citizen travel insurance will help you cover the losses that are a result of these scenarios.
5. Covers missed connecting flights
Imagine missing a connecting flight that was the last step to your destination. Frustrating, right? If you missed the flight because of bad weather or due to a mishap by the airline, then the international senior citizen travel insurance will cover you for the cost of making alternate flight arrangements, accommodation and meals while you wait and the non-refundable expenses you incurred as part of your trip expenses.
6. Covers loss of passport
Losing your passport during an international trip is like a nightmare coming alive. It's the most important document in your possession and its loss will derail your trip. Getting a new passport takes time and will cost you money. But with the help of a senior citizen travel insurance, you can recover the cost of issuing a duplicate or fresh passport during your trip.
7. Cover for medical expenses
One of the primary concerns of any traveller is their safety. It's understood that you don't want to be stuck with an unwanted medical expense while travelling. Senior citizen travel insurance covers you for many such situations like emergency hospitalisation, transportation to the hospital, evacuation back to India if possible, dental treatments and more.
8. Provides Personal Accident cover
If the unimaginable happens during a trip, i.e., a disability injury or an accident leading to death then there's compensation offered under an international senior citizen travel insurance policy. In case of death, the legal heir gets a compensation of 100% of the Sum Insured offered under the policy. Even compensation is given if an injury sustained during the trip leads to death within 12 months of its occurrence.
9. Provides extension of policy
In case you're policy expires while you're receiving treatment due to an illness or injury that struck you during your trip then the senior citizen travel insurance gets extended for another 30 days. The same 30-day extension applies even if you're able to return to India for treatment and your policy expires while getting treatment in India. A 7-day extension is given in case the airlines causes a delay in your return to India before the policy expires.
Key Features of Reliance Senior Citizen Travel Insurance Plans
We offer four different senior citizen travel insurance plans, Standard, Silver, Gold, and Platinum with Sum Insured up to USD 500,000. All plans offer various coverages like trip cancellations, trip delays, loss of passport, loss & delay of checked-in baggage, hospitalisation expenses and more.
Given below is a list of features that are applicable for travellers aged between 61-70 years:
Reliance Standard (in USD)
Reliance Silver (in USD)
Reliance Gold (in USD)
Reliance Platinum (in USD)
Medical Expenses (including transportation, evacuation and repatriation of mortal remains)
Loss of passport
Total loss of checked-in baggage#
Delay of Checked-In Baggage
Daily Allowance in Case of Hospitalisation
25 per day (5 days max)
25 per day 6 days max)
25 per day 7 days max)
Financial Emergency Assistance
Hijack Distress Allowance
50 per day 7 days max)
75 per day 7 days max)
125 per day 7 days max)
25 per day 6 days max)
50 per day 6 days max)
60 per day 6 days max)
Trip Cancellation & Interruption
Home Burglary Insurance (in ₹)
Accidental Death - Common Carrier
Any one illness**
Any one accident**
Return fare for any one accompanying person - spouse/child/family doctor
Want more details?
Click here to view the detailed table of above mentioned coverage.
Does Reliance Senior Citizen Travel Insurance Cover COVID-19?
Yes, COVID-19 related hospitalisation is covered under our international travel insurance plan for senior citizens. So, you need not worry about going without proper care if you ever catch the troublesome virus.
Moreover, our senior travel plans also cover various medical expenses like X-rays, diagnostic tests, dental treatments and other medically necessary treatments like plaster casts, bandages, walking aids, etc.
In case a pre-existing disease (like diabetes, blood pressure, etc.) leads to a life-threatening condition, then the international senior citizen travel insurance policy will cover the resulting hospitalisation expenses too.
Also, any kind of transportation to the nearest hospital for the injured and one accompanying member is covered. Transportation is provided back to India If it doesn’t worsen the medical condition of the injured member.
Finally, the cost of repatriation of the mortal remains back to India is covered if a death occurs during the trip because of an illness or injury. If repatriation is not possible, then a burial or cremation within the destination country is covered.
Is Travel Insurance for Senior Citizens Required?
The answer to whether you need travel insurance for senior citizens is dependent on various factors. Some countries like UAE, Qatar, Singapore, USA, etc. make travel insurance mandatory leaving you no choice but to buy one. However, there are several countries that allow you to visit without a travel insurance policy. In those cases, as an insurance company we still suggest you buy a senior citizen travel insurance.
So, if you’re a senior citizen travelling abroad, here are reasons why you should buy travel insurance:
1. Offers medical emergency covers
An unexpected injury or freak accident during your trip could land you in the hospital. And bearing the treatment costs would be a tough ask for you. Therefore, you should buy a senior citizen travel insurance to cover you for emergency hospitalisation and various other medical costs.
2. Covers immigration requirements
Some countries require each person to have a travel insurance policy before entering. In these cases, having a travel insurance plan keeps you on the right side of the law and makes your trip possible. Travel insurance is useful to have whether a country's immigration rules make it mandatory or not.
3. Protects you during your journey
A senior citizen travel insurance plan also protects you from losses resulting from lost baggage, delayed baggage, missed connecting flights and much more. It covers you in case you cancel your trip or it was interrupted midway through the trip due to an unexpected medical emergency, death, unfavourable weather conditions, terrorist attack in the destination country etc. Any fault on the part of the airline that delays your trip resulting in losses for you is covered too.
Factors to Keep in Mind Before Buying Senior Citizen Travel Insurance
If you're looking for the perfect travel policy for senior citizens or if you're a son or daughter looking to buy travel insurance for your parents before they visit you abroad then there are certain factors to keep in mind before you buy a policy. Given below are factors to keep in mind before buying:
1. Coverage amount
You need to have a travel insurance policy that can adequately cover you financially if you’re hospitalised because of unforeseen injury or illness, or if the airline loses your luggage, or if you lose your passport, etc. This is where you check the coverage amount or Sum Insured of your senior citizen travel insurance. The higher the Sum Insured the better you’ll be covered during risky events.
2. Coverages offered
After understanding the Sum Insured, it's time to know what's actually covered in the policy. Make sure it covers baggage delays or losses, hospitalisation & transportation expenses, passport loss, dental treatment, trip delays or cancellations, personal accident and personal liability. You should be safe once you know all your bases are covered.
3. COVID-19 cover
Since the coronavirus ravaged the world, countries and travellers have been wary of the disease ever since. What happens if you contract the disease while on your trip? The best way to ensure you get the proper treatments even abroad is to have senior citizen travel insurance that covers COVID-19 treatments.
4. Gives policy extension
You should have a travel insurance policy that gives you an extension of your policy in case it expires while you're still getting treated for an illness or injury sustained during a trip or because of a delay caused by the airline. You don't want to be left unprotected in a foreign land therefore having a policy extension in the travel insurance policy is important.
What Does Senior Citizen Travel Insurance Cover?
Here’s a list of a variety of situations our senior citizen travel insurance covers:
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
Expenses incurred for the purchase of toiletries, clothing and medication in case luggage is missing for more than 12 hours
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 are covered
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 involuntary 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 are covered
Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise are covered
What does Senior Citizen Travel Insurance not Cover?
Here's a list of things your senior citizen travel insurance policy won't cover:
Expenses incurred if you are:
Travelling against the advice of a 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 a terminal prognosis for a medical condition
Have been given a terminal prognosis for a medical condition Expenses incurred due to any of the following conditions:
Self-inflicted injuries or illnesses
Anxiety, stress or depression
War or nuclear threat in the country where you're travelling
Schengen travel policy for senior citizens above the age of 80
In case of loss of checked-in 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 up to 70 years of age. Customers need to declare all pre-existing diseases while taking the policy.
Claims arising out of non-disclosed and non-declared pre-existing medical conditions will not be covered.
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.
How to Buy Senior Citizen Travel Insurance Online?
You can buy a senior citizen travel insurance plan easily through our website www.reliancegeneral.co.in. Here are a few simple steps to get the insurance you need:
Step 1: Go to the travel insurance page and enter your details like name, number, travel destination, number of travel days, etc.
Step 2: Choose your desired plan and click buy now.
Step 3: Check your plan details like the premium amount and then enter the remaining personal details.
Step 4: Select your preferred mode of payment and proceed to pay.
Once your payment is complete you will immediately get your senior citizen travel insurance and you can enjoy your upcoming trip peacefully.
How to File An International Senior Citizen Travel Insurance Claim?
The insured, his family or the hospital has to intimate a claim with the correct certificate number to Reliance General Insurance within 24 hours from the time of admission in case of hospitalisation. Note that the hospital has to agree to provide a cashless facility.
To avail Worldwide cashless facility, call the below-mentioned numbers or International toll-free numbers given country-wise in your Policy Schedule for any emergency assistance.
National Toll-Free No.: 1800-209-55-22
Landline No.: +91-22-67347843/44 (Charges Applicable)
The insured or his family has to intimate Reliance General Insurance within 24 hours of the occurrence of a claim.
For reimbursement, submit the fully filled claim form along with the hard copies of all the required documents at the address mentioned below:
Europ Assistance India Pvt Ltd.
7th Floor, Star Hub, Bldg No. 2,
Near ITC Maratha Hotel,
Sahar, Andheri East,
Mumbai – 400 059, India
New International toll-free numbers
|00 or 014+800-99441111
|001 or 006+800-99441111
What are the Documents Needed to File a Claim?
1. You need to complete the KYC Process as per the AML/CFT Guidelines issued by IRDAI. You also need to submit PAN/Form 60 along with the below-mentioned documents for your international travel insurance claim.
2. You need to submit the original ticket/boarding pass, a copy of the passport indicating the travel dates and the completed claim form for every claim.
3. You also need to submit original bills/vouchers/reports and discharge summary for all claims.
4. You have to submit an official death certificate and a physician's statement giving the cause of death to avail reimbursement of the costs of transporting the mortal remains of the Insured/Insured Person to the Republic of India or of costs of burial abroad.
5. For claims related to a lost passport, you have to submit a Police Report obtained within 24 hours of the Insured/Insured person becoming aware of the theft along with the original bills/receipts of expenses incurred for a new/fresh passport.
6. A Property Irregularity Report or other report is usually issued by the common carriers in the event of loss of checked-in baggage. A letter from the airline will also need to be submitted stating the compensation, if any received from them for the lost baggage.
7. In case of claims related to personal liability, you need to submit proof of judicial decision rendered by a Court.
8. For claims under financial emergency assistance benefit, the police report filed within 24 hours of becoming aware of the robbery needs to be submitted.
For a complete list of applicable claim documentation please visit
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.
Disclaimer: #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%. **Special Conditions (limit of liability) - Applicable only for Senior Citizens (61-70 years) For more details on risk factors, terms & conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale.*T&C apply. Pre-existing disease is covered till 70 years of age only under life-threatening conditions. Details mentioned here are for Reliance Travel Care Policy: Individual, Family, Senior Citize (61-90 years) Plan. UIN: RELTIOP08002V010708.