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Reliance vs Care Travel insurance

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Compare Reliance vs Care Travel insurance

Reliance logo Reliance logo Reliance logo Reliance logo Care logo Care logo
Standard Plan Silver Plan Gold Plan Platinum Plan Explore Gold ? Explore Platinum ?
Available Max Coverage Options
$50,000 $100,000 $250,000 $500,000 $50,000,
$100,000,
$300,000,
$500,000
$50,000,
$100,000,
$300,000,
$500,000
Accident & Sickness Medical Expenses: ?
$50,000
Deductible: $50
$100,000
Deductible: $50
$250,000
Deductible: $50
$500,000
Deductible: $50
In-patient: Up to $50,000
Out-patient: Up to $50,000

Deductible: $100 / € 75

In-patient: Up to $50,000
Out-patient: Up to $50,000


Deductible: $100 / € 75

Medical Evacuation: ?
Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses $50,000 $50,000
Repatriation of Remains: ?
Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses Included under Medical Expenses $50,000 $50,000
Pre-existing Cover
Pre-Existing disease coverage only in case of life threatening conditions. Pre-Existing disease coverage only in case of life threatening conditions. Pre-Existing disease coverage only in case of life threatening conditions. Pre-Existing disease coverage only in case of life threatening conditions. 10% of Sum Insured

Deductible: $100 / € 75

10% of Sum Insured

Deductible: $100 / € 75

Accidental Death & Dismemberment: ?
$15,000 $20,000 $25,000 $30,000 $15,000 $15,000
AD & D Common Carrier
$2,500 $2,500 $5,000 $5,000 NA $5,000
Dental Treatment: ?
$500
Deductible: $50
$500
Deductible: $50
$500
Deductible: $50
$500
Deductible: $50
$300

Deductible: $100 / € 75

$300

Deductible: $100 / € 75

Personal Liability: ?
$50,000 $100,000 $200,000 $250,000 $100,000

Deductible: $100 / € 75

$100,000

Deductible: $100 / € 75

Loss of Checked Baggage: ?
$500 $1,000 $1,200 $1,500 $100 $100
Baggage Delay: ?
$100
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
$100
Deductible: 12 hours
$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of PassPort: ?
$300
Deductible: $25
$300
Deductible: $25
$300
Deductible: $25
$300
Deductible: $25
$300 $300
Hijack Distress Allowance
NA $50 per day up to Max.7 days
Deductible: 12 hours
$75 per day up to Max. 7 days
Deductible: 12 hours
$125 per day up to Max. 7 days
Deductible: 12 hours
NA NA
Daily allowance in case of hospitalization
NA $25 per day up to Max. 5 days
Deductible: 2 day
$25 per day up to Max. 6 days
Deductible: 2 day
$25 per day up to Max. 7 days
Deductible: 2 day
$25 per day, max 5 days

Deductible: 2 days

$25 per day, max 5 days

Deductible: 2 days

Flight Delay
NA $25 per day up to Max. 6 days
Deductible: 12 hrs
$50 per day up to Max. 6 days
Deductible: 12 hrs
$60 per day up to Max. 6 days
Deductible: 12 hrs
NA NA
Trip Cancellation
NA $600 $600 $600 $1,000 $1,000
Missed Connection: ?
NA $200 $300 $500 NA NA
Emergency Cash Advance: ?
NA $300 $300 $300 NA NA
Home Burglary Insurance: ?
NA 1 Lakh 2 Lakhs 3 Lakhs NA NA
Important Points
  • Reliance offers benefits per policy period.
  • Medical Sublimits for Reliance starts from the age of 61 yrs.
  • Travelers from 6 months to 90 years can buy the insurance for 182 days
  • Reliance can be renewed up to 182 days, Sum total of initial and each subsequent renewal not exceeding 360 days
  • Senior citizens aged between 71-90 years can by the Reliance senior citizen insurance without giving any medical reports
  • Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness)
  • Pre existing diseases are covered in case of life threatening only for travelers up to 70 years.
  • Some of the pre existing diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes
  • Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years
  • For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum
  • Region specific plans to suit your needs for Europe, Asia and African continent.
  • Double Sum Insured in case of Accidental Hospitalisation
  • Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum
  • Infant child of age 1 day can be insured under Care travel insurance
  • Buy the policy for 180 days and you can renew the policy for another 180 days

What are the unique features of Bajaj Allianz and Care travel insurance?

Unique features of Care

  • Care Health Insurance is a stand alone Health Insurance company which is relatively new to Travel Insurance, but is one of the fastest growing. They are promoted by Care Enterprises, a financial powerhouse, Union Bank and Corporation Bank.
  • Importantly, the insured age band starts from Day 1 (baby), which is the lowest in the industry. There is no upper age limitation under the Care travel plans. All plans offer Comprehensive coverage upto the age of 60 years and then Sickness Medical Expenses are with Sublimits.
  • They offer Region Specific plans to suit the traveller’s needs, specifically plans for Europe, Asia and African continent apart from Worldwide coverage plans.
  • Buy the policy for 180 days and you can renew the policy for another 180 days
  • Double Sum Insured in case of accident - Customer buying USD $50,000 cover will have coverage of USD $50,000 for any Sickness related treatment and upto USD $100,000 in case claim arising due to accident.
  • Pre-existing covered upto 10% of Principal Sum Insured for Accident & Sickness Coverage, which is again the best in the industry.
  • Per day rates – Premium calculated for actual days of travel i.e. Slab rates not applicable – this ensures the traveller only pays premium for actual number of days they have travelled abroad.
  • E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency.
  • All Care Travel Insurance Policies don't have per aliment limit capping.
  • Customer can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital
  • Treatment in home country covered upto 30 days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. This expense will be covered under the Accident & Sickness limit.
  • Global Assistance is provided through Falck Assistance, one of the Global leaders in Travel & Claims Assistance. They offer Toll Free numbers for the insured traveller to contact them.

Unique Features of Reliance

  • Reliance General Insurance is part of the Reliance Anil Ambani Group (ADAG) and offers Travel Insurance for Indians travelling abroad or within India.
  • Reliance Travel Insurance ensure zero paperwork and affordable premiums to ensure their customers have a smooth holiday. Choose from a variety of plans – for individuals or for the entire family.
  • The duration of your trip does not matter – Reliance covers trips upto a duration of 182 days with extensions available up to 365 days.
  • Travelers from 6 months to 90 years can be covered under Reliance Travel Insurance Plans with Senior citizens aged between 71-90 years can buy the Reliance Senior plan without submitting any medical reports.
  • Pre existing diseases are covered in case of life threatening situations only for travellers up to 70 years. There are Sickness Medical Sublimits from the age of 61 years onwards.
  • The Sum Insureds for each benefit are per policy period, which means there is no restoration of sum insured once a claim has been filed.
  • 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).
  • Some of the pre existing diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes.
  • The traveller can avail Cashless Claims (for Inpatient Treatment) and also have access to National and International Assistance Numbers when abroad. These services are provided through Reliance’s Travel Assistance Partner, Europ Assistance.

How much does a Reliance Overseas travel medical cost per month (30 days)?

The Reliance Overseas travel medical insurance cost per month (30 days) starts at just ₹1,407 for coverage Worldwide Including USA & Canada. Reliance Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Reliance Overseas travel medical plan variants.

Traveler's age Travel Standard Travel Silver Travel Gold Travel Platinum
$50,000 $100,000 $250,000 $500,000
0-40 years ₹1,407 ₹1,992 ₹2,312 ₹2,722
41-60 years ₹2,041 ₹2,443 ₹2,927 ₹3,517
61-70 years (Limited coverage) ₹3,664 ₹4,409 ₹5,026 ₹7,976
Traveler's age Senior Citizen
$15,000 $50,000
71-80 years ₹3,664 ₹6,865(Limited coverage) ₹15,788
Traveler's age Senior Citizen
$50,000
81 - 85 years ₹10,380
86 - 90 years ₹17,887

The Reliance Overseas travel medical insurance cost per month (30 days) starts at just ₹1,212 for coverage Worldwide Excluding USA & Canada. Reliance Overseas travel medical insurance cost varies with the travellers age, destination of travel and duration of travel. Here is a cost table which gives you the cost of Reliance Overseas travel medical plan variants.

Traveler's age Travel Standard Travel Silver Travel Gold Travel Platinum
$50,000 $100,000 $250,000 $500,000
0-40 years ₹1,212 ₹1,342 ₹1,543 ₹1,897
41-60 years ₹1,385 ₹1,484 ₹1,708 ₹2,602
61-70 years (Limited coverage) ₹2,429 ₹2,972 ₹3,185 ₹5,597
Traveler's age Senior Citizen
$15,000 $50,000
71-80 years ₹2,429 ₹4,993(Limited coverage) ₹5,991
Traveler's age Senior Citizen
$50,000
81 - 85 years ₹7,649
86 - 90 years ₹14,800

How much does Care travel insurance cost?

The Care travel insurance price starts at ₹1,092 per month for 25 years old traveler, covering Worldwide Including the USA and Canada, based on type of plan and policy maximum coverage.

Plan Name $25,000 $50,000 $100,000 $200,000 $300,000 $500,000
Explore Gold Plan N/A ₹1,740 ₹2,063 ₹2,458 ₹2,028 ₹3,594
Explore Silver Plan ₹1,092 ₹1,505 ₹1,854 ₹2,285 N/A N/A
Explore Platinum Plan ₹2,994 ₹4,100 ₹9,020 - - ₹4,160

The Care travel insurance price starts at ₹756 per month for 25 years old traveler, covering Worldwide Excluding the USA and Canada, based on type of plan and policy maximum coverage.

Plan Name $25,000 $50,000 $100,000 $200,000 $300,000 $500,000
Explore Gold Plan N/A ₹1,170 ₹1,318 ₹1,503 ₹1,688 ₹2,663
Explore Silver Plan ₹756 ₹936 ₹1,108 ₹1,323 N/A N/A
Explore Platinum Plan N/A ₹1,415 ₹1,575 N/A ₹1,974 ₹3,268

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