Reliance Travel Insurance, Reliance Travel Individuals & family plan, Reliance travel insurance for Senior Citizen

Reliance Family Travel Insurance overview

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	Silver Plan	Gold Plan	Platinum Plan	Family Standard Plan	Family Gold Plan	Deductible
Medical Expenses Incl.transportation, evacuation and repatriation of mortal remains
$50,000	$100,000	$250,000	$500,000	$50,000	$100,000	$50
Dental Care Expenses
$500	$500	$500	$500	$500	$500	$50
Personal Accident
$15,000	$20,000	$25,000	$30,000	$15,000	$25,000	Not Available
Accidental Death & Dismemberment- Common Carrier
$2,500	$2,500	$5,000	$5,000	$2,500	$2,500	Not Available
Daily Allowance in case of Hospitalization
Not Available	$25 per day up to 5 days Max	$25 per day up to 6 days max	$25 per day up to 7 days max	$25 per day up to 5 days max)	$25 per day up to 7 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	Return Fare for any one accompanying person - spouse / child / family doctor	Return Fare for any one accompanying person - spouse / child / family doctor	Not Available
Loss of Passport
$300	$300	$300	$300	$300	$300	$25
Total Loss of Checked Baggage*
$500	$1,000	$1,200	$1,500	$500	$1,000	Not Available
Delay of Checked Baggage
$100	$100	$100	$100	$100	$100	12 hours
Trip Delay
Not Available	$25 per day up to 6 days max	$50 per day up to 6 days max	$60 per day up to 6 days max	$25 per day up to 5 days max	$50 per day up to 7 days max	12 hours
Trip Cancellation & Interruption
Not Available	$600	$600	$600	$500	$600	Not Available
Missed Connection
Not Available	$200	$300	$500	Not Available	$300	Not Available
Personal Liability
$50,000	$100,000	$200,000	$250,000	$100,000	$100,000	Not Available
Financial Emergency Assistance
Not Available	$300	$300	$300	$500	$600	Not Available
Hijack Distress Allowance
Not Available	$50 per day up to 7 days max	$75 per day up to 7 days max	$125 per day up to 7 dyas max	$50 per day up to 7 days max	$75 per day up to 7 days max	12 hours
Home Burglary Insurance (INR)
Not Available	$100,000	$200,000	$300,000	$100,000	$200,000	Not Available
Special Conditions for 61-70 years. (limit of liability)
Any One Illness
$12,000	$13,500	$15,000	$17,500	Not Available	Not Available	Not Available
Any One Accident
$20,000	$25,000	$30,000	$35,000	Not Available	Not Available	Not Available

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
Not Available	Euro 300	Euro 25
Total Loss of Checked Baggage (per baggage maximum 50% and per item in baggage max 10%)
Not Available	Euro 500	Not Available
Delay of Checked Baggage
Not Available	Euro 100	12 hours
Personal Accident
Euro 10,000	Euro 15,000	Not Available
Accidental Death & -Common Carrier
Not Available	Euro 2,500	Not Available
Personal Liability
Not Available	Euro 50,000	Not Available
Compassionate visit
Not Available	Return Fare for any one accompanying person - spouse / child / family doctor	Not Available

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	Not Available
Accidental Death & Dismemberment- Common Carrier
$2,500	$2,500	Not Available
Loss of Passport
$100	$100	$25
Total Loss of Checked Baggage
$200	$200	Not Available
Delay of Checked Baggage
$100	$100	12 hours
Trip Delay
$25 per day up to 6 days Max	$30 per day up to 6 days Max	12 hours
Personal Liability
$10,000	$10,000	Not Available
Financial Emergency Assistance
$500	$500	Not Available
Hijack Distress Allowance
$50 per day up to 7 days max	$60 per day up to 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
$30,000	$25,000	$20,000	Not Available
Accidental Death & Dismemberment- Common Carrier
$5,000	$5,000	$2,500	Not Available
Daily Allowance in case of Hospitalization
$25 per day up to 7 days max	$25 per day up to 6 days max	$25 per day up to 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	Not Available
Loss of Passport
$300	$300	$300	$25
Total Loss of Checked Baggage*
$1500	$1000	$500	Not Available
Delay of Checked Baggage
$125	$125	$100	12 hours
Trip Delay
$60 per day up to 6 days max	$50 per day up to 6 days max	$30 per day up to 6 days max	12 hours
Trip Cancellation & Interruption
$1250	$1000	$750	Not Available
Missed Connection
$500	$300	Not Available	Not Available
Personal Liability
$25,0000	$20,0000	$10,0000	Not Available
Hijack Distress Allowance
$125 per day up to 7 days max	$75 per day up to 7 days max	$60 per day up to 7 days max	12 hours
Financial Emergency Assistance
$1000	$1000	$500	Not Available
Home Burglary Insurance (in Indian Rs)
$300,000	$200,000	Not Available	Not Available

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	Not Available
Loss of Checked Baggage^?
US$ 500	US$ 500	US$ 500	Not Available
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)	$15,000	Not Available
Personal Liability^?
US$ 15,000	US$ 15,000	US$ 15,000	Not Available

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
Not Available	$50,000	$100,000	$250,000	$500,000	$50
Dental Care Expenses
Not Available	$500	$500	$500	$500	$50
Personal Accident
$25,000	$25,000	$25,000	$25,000	$25,000	Not Available
Accidental Death- Common Carrier
Not Available	$2500	$2500	$2500	$2500	Not Available
2 way Compassionate Visit
$7,500	$7,500	$7,500	$7,500	$7,500	Not Available
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	Not Available
Sponsor Protection
$10,000	$10,000	$10,000	$10,000	$10,000	Not Available
*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)
$500	Not Available
Medical Expenses for Inter collegiate sports injuries
Covered under the Medical Expenses including Transportation & Repatriation benefit	Not Available
Cancer Screening and Mammographic Examinations
$2,500	Not Available
Child Care Benefits
$100 per day for a maximum of 10 days	Not Available
Additional add on benefits
Applicable on a case-to-case basis and subject to specific approval
Chiropractic Treatment
$1,000	Not Available
Physiotherapy
$500	Not Available
Skilled Nursing Facil
$500	Not Available

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
$30,000	$25,000	$20,000	Not Available
Accidental Death & Dismemberment- Common Carrier
$5000	$5000	$2500	Not Available
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	Not Available
Loss of Passport
$300	$300	$300	$25
Total Loss of Checked Baggage*
$1500	$1000	$500	Not Available
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	Not Available
Missed Connection
$500	$300	Not Available	Not Available
Personal Liability
$250,000	200,000	100,000	Not Available
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	Not Available
Home Burglary Insurance (in Indian Rs)
$300,000	$200,000	Not Available	Not Available

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.

Reliance Travel Insurance FAQs

Why do I need Travel Insurance Policy from Reliance General?

You might be traveling abroad for business or leisure, but on any such trip you are exposed to unfortunate events loss of passport, personal accident, medical emergencies, etc. Such unforeseen situations can not only play as hurdle in your trip, but can also make you run for your hard earned money. Having international travel insurance policy protects you against all such threats and provides medical, financial and other assistance to you and your family in case of any emergency while traveling abroad. It promises a hassle free international tour for you.

Is travel insurance mandatory?

No Travel Insurance is not mandatory, however certain countries have made it mandatory. For eg Schengen countries, Australia require visitors to have travel insurance.

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.

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

Yes. We have designed our travel insurance plans to meet both the requirements, that of leisure and business. Individuals travelling abroad on business purpose can also avail the facility of our Overseas Travel plan, while those who are frequent visitors to abroad can opt for our Annual Multi-trip Insurance.

Can I buy insurance if I have a immigration visa?

Yes, Policy is applicable for one-way travel also, including immigration travel with the condition that the maximum duration of coverage will be 60 days.

Is a medical check-up necessary before the policy is purchased?

A medical check-up is not necessary if you’re buying a Reliance General travel insurance policy.

What is a Emergency Assistance Service provider (EASP)?

EASP means any organization or institution appointed by the Company for providing services to the Insured / Insured person for claim under insurable event.

Can I be issued more than one policy for the same trip?

No, every individual is to be issued only one travel insurance policy during his/her journey.

Is it mandatory for the customer to be in India during purchase of policy?

Yes, the traveller must be in India while purchasing their Reliance Travel Insurance policy.

How does travel insurance work?

Travel insurance acts as a financial safety net and protects you against the possible financial repercussions of unexpected emergencies on your journey. When you purchase a travel insurance policy, you essentially buy a cover against certain insurable events. It offers medical, baggage-related and journey-related coverage. In case any of the insured events, like flight delays, loss of baggage, or medical emergencies occur, your insurer will either reimburse the additional costs that you incur on account of such incidents, or they shall offer a cashless claim settlement for the same.

Is it necessary to get prior approval of Insurance Company/TPA before proceeding with medical treatment?

Medical needs must be treated in time, especially in the case of an emergency. And that is why it is not necessary to get prior approval from the insurer before you proceed with medical treatment, but it is better to inform the insurance company of the claim.

Can one buy travel insurance after making your Air & Hotel bookings?

Yes, you can buy travel insurance after you’ve made all the necessary bookings for your trip including one’s air tickets and hotel accommodations.

In which Schengen countries is travel insurance mandatory?

Travel insurance is mandatory for traveling to all 26 Schengen countries.

Will pre-existing diseases be covered under the travel insurance policy?

No. The Reliance General travel insurance policy does not cover any expenses related to the treatment of a pre existing disease or condition in the duration of your insured trip.

How can I cancel my travel insurance policy?

Cancelling your travel insurance policy is quite easy. You can place your cancellation request via email prior to the commencement of the trip/insurance policy coverage.

Can I extend my policy?

Yes, of course you can extend the policy upto a cumulative period f 360 days. Extending your travel insurance policy is possible, subject to the following conditions:

The original policy period has not expired
There is no claim on the original policy
You will need to provide a declaration of good health
The extension premium has to be paid before the actual extension is effected.

What sum insured should be opted for while traveling to Schengen countries?

The Schengen countries require a minimum insurance of Euro 30,000. Insurance should be bought for an equivalent or higher amount.

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

No, the product does not offer any refund for early returns.

How long does it take to process a travel insurance claim?

If the claim is for Cashless Treatment for hospitalisation, the Guarantee is provided to the hospital in 6-8 hour after admission. If it is reimbursement, claim on submission of all claims documents, the settlement time is 15 days.

How do I claim on my travel insurance?

In case any loss or insured event covered by your travel policy occurs, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours.

For Travel Claims (in India / Abroad)
All claim documents as per the document checklist to be sent to the office of the Service Provider (TPA) namely M/s Europ Assistance India Pvt. Ltd.

Postal Address: Claims Department, Europ Assistance India Pvt. Ltd.
7th Floor,Star Hub,Bldg No. 2
Near ITC Maratha Hotel
Sahar, Andheri East,
Mumbai 400059, India
Website: www.europ-assistance.com

For Travel & Health Claims (in India) For any emergency assistance:
Call: Toll Free - 1800 209 5522
Claims Landline: +91 22 6734 7843 / +91 22 6734 7844
Fax: +91 22 6734 7888
Email at: reliance@europ-assistance.in

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

Reliance Travel Insurance, Reliance Overseas travel insurance

Reliance Travel Insurance best quotes

Key highlights of Reliance Travel Insurance

Reliance Travel Insurance review

Key features of Reliance Travel Insurance

Overview

Key highlights

Individual travel insurance

Standard plan for individual

Silver plan for individual

Gold plan for individual

Platinum plan for individual

Family travel insurance

Standard plan for family

Gold plan for family

Reliance General Insurance Company Limited

Reliance Family Travel Insurance overview

Travel Care

Reliance Schengen Plan

What does Reliance Schengen plan cover?

Reliance Asia Plan

Features of the Asia Plan of Reliance :

Annual Multitrip Plan of Reliance

Reliance Senior Plan

Why does one need Senior Citizen Travel Insurance?

Is Senior Citizen travel insurance mandatory?

Specific exclusion for reliance Senior Citizen Plan -

Reliance Student Plans

Reliance Corporate Travel Plan

Standard Coverage Definitions

General Exclusions under the Reliance Travel Plans

Claim Process & Contact Details

Contact Details for our Service Provider - Europ Assistance:

New International toll free numbers

What does the Reliance Travel Insurance policy cover?

Does Reliance General Travel plans cover Covid 19 Expenses?

Reliance Travel Insurance FAQs

Brochure

Proposal form

Policy wordings

Get quotes for Reliance travel insurance!

India travel insurance blogs and articles

Reliance Travel Insurance useful links

How to buy online?

Already outside India

Reliance Travel Insurance online renewal

Reliance Travel Insurance Claims & Customer care

Reliance Travel Insurance policy wordings

How are Claims settled?

Resourceful Indian travel insurance links

International Travel insurance

Travel Insurance Benefits

Travel Insurance Premium Chart

Indian travel insurance FAQ

Search for Reliance Travel Insurance

Compare Reliance Travel Insurance with other popular companies

Reliance Travel Insurance links

Useful links

Product links

Keep in touch