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Reliance Travel Insurance, Reliance Overseas travel insurance

Overview

Travel insurance policies are available for individuals or family. Under the family floater travel insurance plan, there is a common coverage for all members of the family. The reliance travel insurance covers the insured for unanticipated financial disaster that arises due to an emergency.

The coverage can be availed by individuals, businessmen and large companies respectively. Financial assistance will be provided for the monetary loss during an emergency under Reliance travel insurance coverage.

Customers can choose the best plan that suits their requirements by taking quote online.

Key highlights

No medical check up to buy reliance travel insurance online
There are custom made plans such as Platinum, Gold, Silver and Standard.
You can get unique benefits like Compassionate visit, Home Burglary Insurance, Financial Emergency Assistance etc.
Pre-existing ailments are covered in case of life threatening situations. (terms and conditions apply)
Sports persons are covered involving winter/adventurous sports (this is subject to prior declaration, premium loading and underwriting approval)
You can buy for wider duration of 182 days and can be renewed up to 365 days.
Automated extension coverage in case of emergency evacuation (up to 30 days) and delay of common carrier (up to 7 days) beyond policy expiry
The insured is covered for 24 hours emergency cashless services.

Individual travel insurance

Reliance Individual travel care insurance plan is offered for the individuals travelling aboard. Four types of plans are available with different coverages in reliance individual travel care insurance.

Standard plan for individual

Maximum coverage is $50,000
The standard plan is a basic plan, which has basic medical coverages

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Silver plan for individual

Maximum coverage is $100,000
The silver plan covers Missed Connection, Home Burglary insurance, Hijack Distress Allowance

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Gold plan for individual

Maximum coverage is $250,000
The gold plan covers Missed Connection, Home Burglary insurance, Hijack Distress Allowance

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Platinum plan for individual

Maximum coverage is $500,000
The platinum plan covers Missed Connection, Home Burglary insurance, Hijack Distress Allowance

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Family travel insurance

Reliance Family Travel Insurance is available for the family which includes a couple and 2 kids. This reliance family travel policy offers 2 plans with different coverages.

Standard plan for family

Maximum coverage is $50,000
The family plan is available for couple(maximum 60 years) and 2 kids(6months - 21 years)

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Gold plan for family

Maximum coverage is $100,000
The family plan is available for couple(maximum 60 years) and 2 kids(6months - 21 years)

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The policy holder's unexpected medical and non medical expenses are covered under the coverage. There are different modes of payments for travelers to purchase Reliance travel insurance policy. When there are parents visiting you in a foreign country from India, children can purchase the policy sitting anywhere in the world. There are two types of medical expenses, one is reimbursable medical expenses where all the expenses should be taken care by the traveler and claim for reimbursement later. The second type is where the billing will be done directly to the hospital from the insurance company when the hospitalization is due from more than 24 hours. In both cases, the traveler has to bear a nominal deductible.

Reliance General Insurance Company Limited

Reliance General Insurance is an Indian Private General Insurance company which is part of Reliance Group, specifically under Reliance Capital, the Financial Services vertical of the ADAG Reliance Group. The company has a strong distribution network composed of over 128 branches and more than 27,888 intermediaries across the country. The parent company of Reliance General Insurance is Reliance Capital. Interestingly Reliance General is one of the few General Insurance players in the India market who do not have a foreign JV partner.

Reliance Capital a constituent of MSCI Global Small Cap Index, is a part of the Reliance Group. It is amongst India’s leading and most valuable financial services companies in the private sector. Reliance Capital has interests in asset management and mutual funds; life, general and health insurance; commercial & home finance; equities and commodities broking; wealth management services; distribution of financial products; asset reconstruction; proprietary investments and other activities in financial services. Reliance Mutual Fund is amongst the top Mutual Funds in India with over six million investor folios. Reliance Nippon Life Insurance and Reliance General Insurance are amongst the leading private sector insurers in India. Reliance Securities is one of the India’s leading retail broking houses and distributors of financial products and services. Reliance Money and Reliance Home Finance are one of the most rapidly expanding businesses in the lending space. Total assets of Rs.93,851 crore (US$ 14.4 Billion) as on March 31, 2018.

Reliance General has been one of the most active insurers in the Travel insurance space in India. They currently offer a wide range of Travel solutions catering to almost all the segments of India travellers. Reliance Travel plans come with zero paperwork and affordable premiums to ensure that your insurance matters are quickly taken care of for a smooth holiday. They also offer an incredible variety of plans – for individuals or for the entire family which you can opt for depending on your travel plans. Currently Reliance Travel offer the following plans in the Indian market :

Travel Care Schengen Plan Asia Plan Annual Multitrip Plan Senior Citizen Plan Student Plans Corporate Travel Plans

Planning a family holiday or a business trip abroad? Make sure you have packed what’s most important – the Reliance Travel Care Policy. With comprehensive coverage and other amazing beneﬁts, this policy will ensure that your trip is convenient and hassle-free. The benefits of the Reliance Travel plans include:

Cover for trips of different durations The duration of your trip does not matter – we cover trips as long as 180 days and even extend up to 365 days.
Plans covering maximum destinations, Inclusive or Exclusive of USA and Canada - wide range of plans cover many destinations across the globe with specific plans for Asia and Schengen countries
No medical check-up required You can avail of this plan without any medical tests.
All plans offer emergency hospitalisation with cashless facilities. The insured has the comfort of using a 24-hour emergency assistance service offering emergency medical and non medical assistance 24X7X365.
Instant online policy available for purchase by entering relevant information and paying through our gateway online.
Automated extension of your policy The policy will be extended in case of a medical emergency and evacuation (up to 30 days) and delay of common carrier (up to 7 days).
Quick and hassle-free claim settlements with Europ Assistance. One can avail of cashless claims with national and international assistance numbers through Europ Assistance anywhere in the world.
No Sub-Limits within Medical Cover for age upto 60 years.
Pre Existing Disease cover in case of Life Threatening Situation if declared except in case of named critical illness as per policy conditions
Traveller should hold either an Indian citizen with an Indian passport, PIO Card (Persons of Indian Origin Card) or OCI Card (Overseas Citizen of India Card)

Travel Care

This is Reliance’s most comprehensive plan offered for International Individual travellers between the ages of 3 months to 70 years of age. They come in four different options namely Standard, Silver, Gold and Platinum options based on the Sum Insured of Emergency Accident & Sickness Medical expenses, which range from $50,000 to $500,000. These Plans cover Accident & Sickness, Personal Accident covering Death and Disability/ Dismemberment, Dental Expense coverage, Loss and Delay of Checked in Baggage, Loss of Passport, Trip Cancellation and Trip Interruption, Personal Liability, Missed Connection etc. They also have a unique coverage for Home Burglary for protection for the insured’s home in India, while they are traveling abroad.

Standard Plan $50,000	Deductibles	Silver Plan $50,000	Deductibles	Gold Plan $50,000	Deductibles	Platinum Plan $50,000	Deductibles
Medical Expenses including transportation and evacuation
50,000	50	1,00,000	50	2,50,000	50	5,00,000	50
Dental Care Expenses
500	50	500	50	500	50	500	50
Personal Accident
15,000	Nil	20,000	Nil	25,000	Nil	30,000	Nil
AD & D - Common Carrier
2,500	Nil	2,500	Nil	5,000	Nil	5,000	Nil
Daily Allowance in case of Hospitalization
-	-	25 per day (5 days max)	2 days	25 per day (5 days max)	2 days	25 per day (5 days max)	2 days
Compassionate Visit
Return Fare for any one accompanying person - spouse / child / family doctor		Return Fare for any one accompanying person - spouse / child / family doctor		Return Fare for any one accompanying person - spouse / child / family doctor		Return Fare for any one accompanying person - spouse / child / family doctor
Loss of Passport
300	25	300	25	300	25	300	25
Total Loss of Checked Baggage*
500	Nil	1,000	Nil	1,200	Nil	1,500	Nil
Delay of Checked Baggage
100	12 hours	100	12 hours	100	12 hours	100	12 hours
Trip Delay
		25 per day (6 days max)	12 hours	50 per day (6 days max)	12 hours	60 per day (6 days max)	12 hours
Trip Cancellation & Interruption
		600	Nil	600	Nil	600	Nil
Missed Connection
		200	Nil	300	Nil	500	Nil
Personal Liability
50,000	Nil	1,00,000	Nil	2,00,000	Nil	2,50,000	Nil
Financial Emergency Assistance
		300	Nil	300	Nil	300	Nil
Hijack Distress Allowance
		50 per day (7 days max)	12 hours	75 per day (7 days max)	12 hours	125 per day (7 dyas max)	12 hours
Home Burglary Insurance (INR)
		1,00,000		2,00,000		5,00,000
Special Conditions for 61-70 years. (limit of liability)
Any One Illness
12,000		13,500		15,000		17,500
Any One Accident
20,000		25,000		30,000		35,000

Note: Per baggage Max 50% and per item in baggage max 10%.

Reliance Schengen Plan

The risks that a traveller are exposed to vary depending on the country/area you will be visiting and Europe is certainly one continent full of diversity and varied experiences. Thus, it is important to choose the right amount/type of coverage accordingly. When it comes to Europe, there are 26 nations that come under the umbrella of Schengen regulations. This covers almost the entirety of Europe. As per Schengen rules, you can travel across all Schengen countries with a single visa and a travel insurance policy. Additionally, availing a travel insurance policy is mandatory with a minimum sum insured of 30,000 €. The Reliance Schengen Plan comes in two variants Basic and Standard with differing Sum Insureds for Emergency Medical Expenses following sickness or accident. The sum insured for the Basic Plan is €30,000and for the Standard Plan is €50,000.

Basic	Standard	Deductible
Medical Expenses including transportation and evacuation
Euro 30,000	Euro 50,000	Euro 50
Dental Care Expenses
Euro 500	Euro 500	Euro 50
Loss of Passport
Nil	Euro 300	Euro 25
Total Loss of Checked Baggage (per baggage maximum 50% and per item in baggage max 10%)
Nil	Euro 500	Nil
Delay of Checked Baggage
Nil	Euro 100	12 hours
Personal Accident
Euro 10,000	Euro 15,000	Nil
AD & D - Common Carrier
Nil	Euro 2,500	Nil
Personal Liability
Nil	Euro 50,000	Nil
Compassionate visit
-	Return Fare for any one accompanying person - spouse / child / family doctor	-

What does Reliance Schengen plan cover?
The Schengen travel insurance policy extends the following covers :

Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death
Emergency expenses made for medical evacuation to India
Expenses incurred while transporting the insured’s mortal remains back home or towards burial abroad in case of an untimely demise
Acute anaesthetic treatment of teeth due to an injury
Accidental bodily injury during the trip
Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier
Cost of obtaining a fresh or duplicate passport in case of a lost passport
Total loss of your checked-in baggage by a common carrier
Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days
Compensation for a third party in case your involuntarily actions result in someone’s demise, cause someone injury or damage to health or property

Why do I need Schengen Travel Insurance?
As per the Schengen agreement, there are 26 European countries that belong to the Schengen area. In order to travel to these countries, it is mandatory to avail a Schengen travel insurance policy as per Schengen rules. Thus, in simple terms, you won’t be able to visit a Schengen country unless you have a valid travel insurance policy conforming to Schengen regulations.

Is European travel insurance mandatory?
Yes, if you are travelling to Schengen countries. Without International travel insurance, you cannot avail a Schengen visa. Please note that although all Schengen countries are in Europe, all European Union countries do not fall under the ambit of Schengen regulations eg. the UK and Ireland. That said, considering the security that a travel policy offers, it is advisable that one must avail travel insurance.

Reliance Asia Plan

Like most of the other insurance companies, Reliance also offers a specific plan for travel within Asia. The Reliance Plan comes in two variants names Asia Standard and Asia Silver Plans with sum insureds for Emergency Medical Expenses @ $15,000 and @50,000. The coverage also includes Medical Evacuation and Repatriation of Remains. Apart from these benefits, the plan also has a overage for Passport Loss, Delay and Loss of Checked in Baggage in the custody of the Common Carrier, Trip Delay, Personal Accident & Personal Liability and a Hijack cover. There is also an Emergency Financial Assistance offer in each plan variant.

Asia Standard	Asia Silver	Deductible
Medical Expenses
$15,000 (Per Accident/illness medical expenses limit restricted to $ 7,500)	$50,000 (Per Accident/illness medical expenses limit restricted to $ 15,000)	$100
Medical Expenses including transportation and evacuation
25,000	30,000	50
Dental Care Expenses
500	500	50
Personal Accident
7,500	7,500	Nil
AD & D - Common Carrier
2,500	2,500	Nil
Loss of Passport
100	100	25
Total Loss of Checked Baggage
200	200	Nil
Delay of Checked Baggage
100	100	12 hours
Trip Delay
25 per day (6 days max)	30 per day (6 days max)	12 hours
Personal Liability
10,000	10,000	Nil
Financial Emergency Assistance
500	500	-
Hijack Distress Allowance
50 per day (7 days max)	60 per day (7 days max)	12 hours

Features of the Asia Plan of Reliance :

Coverage in all Asian Countries except Japan
Coverage of pre-existing ailments in case of life threatening situations
Automated extensions of Policy in case of medical emergency and evacuation (upto 30 days) and delay of common carrier (upto 7 days) beyond Policy expiry
Extensive coverage offered at the most affordable prices
24 Hour Emergency Cashless Services offered through Emergency Assistance Service Provider

Annual Multitrip Plan of Reliance

The Reliance Annual Multi Trip policy is mainly suited for frequent travellers who travel multiple times every year to destinations abroad on both business and leisure. The insured can purchase a single policy for one year (365 days) during which period they can travel as many times as they need to, without having to purchase a policy for each trip. The plans offers each individual trip having a duration of 30-45 days with separate plans for Including and Excluding Americas, depending on the insured’s travel requirements. This is for insureds between the ages of 18 and 70 years.

We recommend that one switches to annual multi-trip travel insurance as it can turn out to be much more economical than the single trip travel insurance plan, for frequent travellers. In addition to this, it offers the traveller complete peace of mind for the entire year, not requiring them to remember to purchase a single trip policy each time they need to travel. In terms of coverages also, the Annual Multi Trip plans offers the insured comprehensive covers to take care of any emergency (both medical and non medical) when they are traveling.

The benefits under the Family Plans are standard benefits as offered under most of the other Travel plans and they include Emergency Accident & Sickness, Repatriation of Remains and Medical Evacuation, Dental Relief, Loss and Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident cover (including coverage in common carrier, Trip Cancellation/Interruption, Missed Connection, Trip Delay, Emergency Financial Assistance, Home Burglary, etc.

Reliance offers three options under the Multitrip Plan which include Corporate Standard, Plus and Elite Plans which have varying Sum insureds of Emergency Accident & Sickness coverage between $100,000 to $500,000.

Corporate Elite	Corporate Plus	Corporate Standard	Deductibles
Medical Expenses including Transportation and Evacuation
500,000	250,000	100,000	50
Dental Care Expenses
500	500	500	50
Personal Accident
30000	25000	20000
AD & D Common Carrier
5000	5000	2500
Daily Allowance in case of Hospitalization
25 per day (7 days max)	25 per day (6 days max)	25 per day (5 days max)	2 days
Compassionate Visit
Return Fare for any one accompanying person-spouse/child /family doctor	Return Fare for any one accompanying person-spouse/child /family doctor	Return Fare for any one accompanying person
Loss of Passport
300	300	300	25
Total Loss of Checked Baggage*
1500	1000	500
Delay of Checked Baggage
125	125	100	12 hours
Trip Delay
60 per day (6 days max)	50 per day (6 days max)	30 per day (6 days max)	12 hours
Trip Cancellation & Interruption
1250	1000	750
Missed Connection
500	300
Personal Liability
250000	200000	100000
Hijack Distress Allowance
125 per day (7 days max)	75 per day (7 days max)	60 per day (7 days max)	12 hours
Financial Emergency Assistance
1000	1000	500
Home Burglary Insurance (in Indian Rs)
300000	200000

Note: Per baggage Max 50% and per item in baggage max 10%.

Reliance Senior Plan

As part of this Travel plans offered in the market, Reliance also offers Senior Citizen product, specifically designed for this category of travellers. The Plan includes three varying sum insureds for Emergency Accident & Sickness from $15,000 to $50,000 With and without sub limits. They also offer the same in three age brackets ( 71-80 years, 81-85 years and 86-90 years) with options for both Including and Excluding Americas. They also offer trip band upto 182 days of cover.

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 given their predisposition to illness. Some of the features include:

Cashless hospitalization during a medical emergency. This is very useful for senior citizens given that the average claim size increases with the age of the insured.
Coverage of expenses for medical evacuation to India if recommended by the attending physician.
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 the insured, if they are hospitalized continuously for more than 7 days.

$15,000 Coverage	$50,000 Coverage With Sublimit	$50,000 Coverage Without Sublimit	Deductibles per claim
Medical Expenses^?
USD $15,000 (Per Accident/illness medical expenses limit restricted to $ 7,500)	USD $50,000 (Per Accident/illness medical expenses limit restricted to $ 15,000)	USD $50,000 (Per Accident/illness medical expenses limit restricted to $ 50,000)	US$ 100
Dental Treatment
US$ 200	US$ 200	US$ 200	US$ 50
Transport of the mortal remains or burial at the place of death abroad
US$ 7,000	US$ 7,000	US$ 7,000	Nil
Loss of Checked Baggage^?
US$ 500	US$ 500	US$ 500
Loss of Passport^?
US$ 150	US$ 150	US$ 150	US$ 25
Personal Accident^?
$15,000 (Per accident / injury limit restricted to $10,000)	$15,000 (Per accident / injury limit restricted to $10,000)	$15,000	Nil
Personal Liability^?
US$ 15,000	US$ 15,000	US$ 15,000	Nil

Why does one need Senior Citizen Travel Insurance?
With senior citizen travel insurance, one gets a host of benefits from the perspective of peace of mind for your trip when travelling at an advanced age. When the insured is travelling, you are exposed to a number of risks such passport loss, baggage loss/theft, personal accident as well as medical emergencies, and having a robust travel insurance plan that safeguards them 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.

Specific exclusion for reliance Senior Citizen Plan -
These include:

Pre - existing illness/diseases/injuries are not covered under any circumstances for 70+ travelers
Medical illness SI limits for $15,000 with per illness limited to $7,500 & for $50,000 coverage with per illness limited to $15,000.
Duration of travel not to exceed 360 days (including renewals).
Per Accident/injury limit restricted to $10,000
Exclusion of life threatening conditions & Acute Pain clauses from the coverage’s of the policy

Reliance Student Plans

Reliance also offers comprehensive plans to suit most university requirements. They offer coverages for students between the ages of 16 and 35 years who are proceeding abroad for their higher studies. Some specific features include:

Plan options
- Non Medical Plan - Basic Plan – without Emergency Medical Coverage – this is ideal for students who want to purchase their insurance policy at the University, or if the University makes it mandatory but will also like to be covered for Student specific benefits.
- Medical Plans – the Emergency Medical Sum insured options include Standard Plan - $50,000 coverage Silver Plan - $100,000 Gold Plan - $250,000 coverage, Platinum Plan-$500,000
Reliance student medical insurance can be purchased for a maximum of 2 years at a time
Reliance Student policy offers Add-on benefits with nominal additional where a student can choose the base Reliance Student plan with add-ons. These add on include a)Treatment of Mental and Nervous disorders (including Alcohol and Drug dependency), b) Inpatient Hospitalization expenses related to Pregnancy/Child Birth (After a waiting period of 10 months) c) Medical Expenses for Inter Collegiate sports injuries, d) Cancer Screening and Mammographic Examinations, e) Child Care Benefits, f) Chiropractic Treatment, g) Skilled Nursing Facility and h) Physiotherapy

Basic	Standard	Silver	Gold	Platinum	Deductibles
Medical Expenses including transportation and evacuation
	50,000	100,000	250,000	500,000	50
Dental Care Expenses
	500	500	500	500	50
Personal Accident
25,000	25,000	25,000	25,000	25,000	Nil
Accidental Death- Common Carrier
	2500	2500	2500	2500	Nil
2 way Compassionate Visit
7,500	7,500	7,500	7,500	7,500	Nil
Loss of Passport
100	100	100	200	200	25
Total Loss of Checked Baggage*
1,000	1,000	1,000	1,000	1,000	100
Personal Liability
100,000	100,000	100,000	150,000	150,000	200
Bail Bond
1,000	500	1,000	5,000	5,000	50
Study Interruption
10,000	10,000	10,000	10,000	10,000	Nil
Sponsor Protection
10,000	10,000	10,000	10,000	10,000	Nil
*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%

Sum Insured(In USD)	Deductibles(In USD)
Add on Benefits
Treatment of Mental and Nervous Disorders including Alcohol and Drug Dependency
$1,000	$100
Inpatient Hospitalization expenses related to Pregnancy/Child birth (After a waiting period of 10 months)
5$00	Nil
Medical Expenses for Inter collegiate sports injuries
Covered under the Medical Expenses including Transportation & Repatriation benefit	-
Cancer Screening and Mammographic Examinations
$2,500	Nil
Child Care Benefits
$100 per day for a maximum of 10 days	Nil
Additional add on benefits
Applicable on a case-to-case basis and subject to specific approval
Chiropractic Treatment
$1,000	Nil
Physiotherapy
$500	Nil
Skilled Nursing Facil
$500	Nil

The Student plan offers Student specific coverages like Bail Bond, Study Interruption, Sponsor Protection, Compassionate Visit 2 way as part of the base coverages. The plan also comes with automatic Extension of policies of 30 days for Medical Evacuation & Emergencies and for 7 days for Delay in Common Carrier and coverage for pre-existing situations in case of life threatening situations only.

Reliance Corporate Travel Plan

Reliance also offers plans specific for Corporate Houses whose employees travel abroad on a regular basis. These policies can be offered for the business travel of these employees when they travel across the world. Under the Corporate plan, there are three options namely Standard, Plus and Elite based on varying sum insureds for Emergency Medical Expenses.

Coverages under these plan variants include Emergency Accident & Sickness, Repatriation of Remains and Medical Evacuation, Dental Relief, Loss and Delay of Checked in Baggage, Loss of Passport, Personal Liability, Personal Accident cover (including coverage in common carrier, Trip Cancellation/Interruption, Missed Connection, Trip Delay, Emergency Financial Assistance, Home Burglary.

Corporate Elite	Corporate Plus	Corporate Standard	Deductibles
Medical Expenses including Transportation and Evacuation
500,000	250,000	100,000	50
Dental Care Expenses
500	500	500	50
Personal Accident
30000	25000	20000
AD & D Common Carrier
5000	5000	2500
Daily Allowance in case of Hospitalization
25 per day (7 days max)	25 per day (6 days max)	25 per day (5 days max)	2 days
Compassionate Visit
Return Fare for any one accompanying person-spouse/child /family doctor	Return Fare for any one accompanying person-spouse/child /family doctor	Return Fare for any one accompanying person
Loss of Passport
300	300	300	25
Total Loss of Checked Baggage*
1500	1000	500
Delay of Checked Baggage
125	125	100	12 hours
Trip Delay
60 per day (6 days max)	50 per day (6 days max)	30 per day (6 days max)	12 hours
Trip Cancellation & Interruption
1250	1000	750
Missed Connection
500	300
Personal Liability
250000	200000	100000
Hijack Distress Allowance
125 per day (7 days max)	75 per day (7 days max)	60 per day (7 days max)	12 hours
Financial Emergency Assistance
1000	1000	500
Home Burglary Insurance (in Indian Rs)
300000	200000

Note: Per baggage Max 50% and per item in baggage max 10%.

Standard Coverage Definitions

Under all the plans that are offered by Reliance, the coverage definitions remain the same and are listed down below. These are brief descriptions, please refer to the policy terms and conditions for the detailed descriptions of these benefits:

Medical Expenses including Transportation and Evacuation
The Company takes care of emergency medical expenses incurred by the Insured / Insured Person whilst abroad, for any sudden disease, illness, injury or death, with cashless facility. The Company will reimburse emergency expenses towards medical evacuation to India. It also covers the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one's untimely demise. Dental Care Expenses
The Company covers dental expenses incurred by the Insured / Insured Person for any acute anesthetic treatment of a natural tooth or teeth during a trip due to an injury.

Personal Accident
The Company shall pay compensation if the Insured / Insured Person unfortunately sustain accidental bodily injury during the trip.

Accidental Death and Dismemberment-Common Carrier
The Company shall pay compensation for injury sustained by Insured, which results in loss of life or permanent disability while riding as a passenger in any common carrier.

Two way Compassionate Visit
The company will reimburse the return fare for an immediate family member to visit you or for you to visit your family member in case of hospitalization extending to more than seven consecutive days.

Loss of Passport
The Company will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss

Total Loss of Checked Baggage
The Company shall compensate the Insured / Insured Person for the total loss of checked-in baggage caused by a carrier.

Personal Liability
The Company offers compensation for liability / damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the Insured / Insured Person abroad.

Trip Delay
Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).

Bail Bond
The Company will arrange to pay the bail amount to the appropriate authority / court, on behalf of the insured person if the person have been arrested or detained by police or judicial authorities for any bailable offence whilst abroad.

Study Interruption
If the Insured Persons education abroad has been interrupted on account of a medical condition, the company will reimburse the current semester fee already paid.

Sponsor Protection
In case the sponsor, who is taking care of the Insured Person tuition fees is injured resulting in his demise, the Company will reimburse the tuition fees.

Repatriation of Remains
Covers cost of repatriation of mortal remains to India.

Financial Emergency Assistance
Insurance provides financial assistance in the event of a financial emergency arising due to theft

Hijack Allowance
Provides an allowance in the event of hijack of a common carrier for more than 12 hours in which the Insured is traveling on a trip.

Trip Cancellation & Interruption
If the trip is cancelled or interrupted due to any medical emergency, personal employment problems or natural disaster. The Company will take care of any non-refundable prepaid payments or additional expenses.

Missed Connection
If the Insured Person misses his/her connecting flight due to its delay in arrival by more than 3 hours, the Company provides compensation for the additional expenses incurred.

Home Burglary insurance
Reliance multi trip travel insurance provides compensation against any loss or damage caused by burglary of the contents of Insured / Insured Person home in India, while he / she is on a trip abroad.

General Exclusions under the Reliance Travel Plans

Below are most of the General Exclusions under the Reliance Travel Plans, please refer to the entire list available along with your policy document.

Any claim relating to events occurring before the commencement of the cover or otherwise outside of the period of insurance.
Any pre-existing disease or complications thereof
Treatment abroad if that is the sole reason or one of the reasons for the Insured / Insured Person's temporary stay abroad
Any claim if the Insured / Insured Person
- is travelling against the advice of a physician;
- is receiving, or is on a waiting list to receive, specified medical treatment declared in the physician's report or certificate;
- has received terminal prognosis for a medical condition;
- is taking part in a naval, military or air force operation
Any claim arising out of illnesses or accidents that the Insured / Insured Person has caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).
Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss, directly or indirectly, attributable to HIV (Human Immuno Deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and / or any mutant derivative or variations thereof howsoever caused.
Illness / injury that are results of war and warlike occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, active participation in riots, confiscation or nationalisation or requisition of or destruction of or damage to property by or under the order of any government or local authority.
Any act of terrorism which means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.
Any claim arising from damage to any property or any loss or expense whatsoever resulting or arising from or any consequential loss, directly or indirectly, caused by or contributed to or arising from:
- Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or
- The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semiprofessional sports persons, unless declared beforehand and necessary additional premium paid.

Claim Process & Contact Details

Reliance’s aim is to make the claims process as smooth as possible for your convenience.
Here’s how to make a claim:

Step 1 Intimate Reliance General Insurance within 24 hours of occurrence of claim
Step 2 To avail Worldwide cashless facility, call on the below mentioned landline numbers or on International toll free numbers given country wise in your Policy Schedule for any emergency assistance
Step 3 For reimbursement, submit fully ﬁlled claim form along with all required documents at the below mentioned address Contact Reliance General Insurance Company Limited National Toll Free No. - 1800-209-55- . Land line No's : +91-22-67347843/44 (Charges Applicable) Fax: +91 22 6734 7888
- Email Id : reliance@europ-assistance.in
- Address for Submitting Claims Documents : Reliance General Insurance, Claims Department, C/O Europ Assistance India Pvt. Ltd.,C-301, Business Square, Andheri Kurla Road, Chakala, Andheri (E), Mumbai - 400093, India.

In case of any emergency assistance during your stay abroad, call us immediately. We will attend all your medical assistance and emergency services:

Step 1: Intimate Reliance General Insurance within 24 hours of occurrence of claim
Step 2: To avail Worldwide cashless facility, call on the below mentioned numbers
Step 3: For reimbursement, submit the duy filled claim form along with all documents at the below mentioned address

Contact Details for our Service Provider - Europ Assistance:
Europ Assistance India Pvt Ltd.
7th Floor, Star Hub, Bldg No. 2,
Near ITC Maratha Hotel,
Sahar, Andheri East,
Mumbai – 400 059., India

National Numbers for any emergency assistance:
§ Toll Free:
1800 209 5522
§ Claims Landline: +91 22 6734 7843
§ Claims Landline: +91 22 6734 7844
§ Fax: +91 22 6734 7888

New International toll free numbers

Originating Country	Dialed Number
Netherlands	00+800-99441111
Belgium	00+800-99441111
Italy	00+800-99441111
Norway	00+800-99441111
Poland	00+800-99441111
New Zealand	00+800-99441111
Singapore	00+1800-99441111
Portugal	00+800-99441111
Australia	0011+800-99441111
United Kingdom	00+800-99441111
Malaysia	00+800-99441111
Japan	001-010+800-99441111
China	00+800-99441111
Hong Kong	001 or 006+800-99441111
Taiwan	00+800-99441111
Argentina	00+800-99441111
Thailand	001+800-99441111
Sweden	00+800-99441111
Austria	00+800-99441111
Czech Republic	00+800-99441111
Denmark	00+800-99441111
France	00+800-99441111
Greece	86002038017 (ITFS)
Hungary	00+800-99441111
Isreal	00 or 014+800-99441111
Germany	00+800-99441111
South Africa	00+800-99441111
Spain	00+800-99441111
Swizterland	00+800-99441111
USA	18337426673 (ITFS)
Canada	011+800-99441111
Philippines	00+800-99441111