Thank you for contacting NRIOL for your travel insurance requirements. Once the travelers crosses certain age every company has medical sublimits or restrictions. In the case of Reliance travel insurance plan since your mother is 81 year old and if you choose a $50,000 coverage plan, the limit for each medical claim is $15,000 even though the full coverage is $50,000. So there can be multiple claims up to a maximum of $50,000. In case of Bajaj Allianz the medical sublimit is $5,000 while the coverage is $50,000.
As there are regular updates in the plan benefits and coverage. We would suggest to contact the insurance advisor at +91-80-41101026 or drop in an send an email
to get best plan as per your requirements.