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Reliance Travel Insurance Coverage for Pre-existing Medical Conditions

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.
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No. of Traveler
Date of Birth
or age   years
Start Date
Total Days: 
End Date

Unique features

  • Travelers below 70 years are covered for pre-existing conditions in case of life threatening only.
  • Only declared and non-critical illness / diseases are covered for below 70 year old travelers.
  • Whether declared or not declared, 70+ Senior citizens are not covered for pre-existing diseases.
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


  • Pre existing diseases are covered in case of life threatening only for travelers below 70 years.
  • Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness).
  • 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.


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Reliance Travel Insurance useful links

How to buy online?
How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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Already outside India
Already outside India

Travelers who have already traveled from India and do not have insurance can buy Reliance travel medical insurance after approval.

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Online renewal
Online renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Insurance claims
Insurance Claims

In case of a claim or reimbursement of treatment expenses, notify Reliance by contacting them.

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Compare travel plans

Compare benefits of Overseas Travel health Insurance

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Policy wordings
Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022