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Reliance travel insurance covering pre-existing conditions

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*  Note: Travelers visiting other European countries like The UK, Ireland, Croatia, Bulgaria, Cyprus, Romania, Serbia, Bosnia & Herzegovina, Macedonia, Belarus, Moldova, Ukraine, Vatican City and Russia. The applicant must select "Excluding America" as the Travel Destination in the above form.

Reliance pre-existing condition coverage
  • Preexisting 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 preexisting 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
  • Whether declared or not declared, 70+ Senior citizens are not covered for pre-existing diseases.

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How to buy Reliance travel medical insurance 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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Reliance travel plan without sublimits

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Reliance Pre-existing condition insurance
Pre-existing condition insurance

Reliance Indian travel medical insurance coverage for pre-existing conditions.

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reliance pre-existing condition coverage
Life saving unforeseen emergency measures, provided to the Insured/Insured Person by the Physician for disease /illness / injury arising out of a pre-existing condition. The treatment for these emergency measures would be paid till the Insured/Insured Person becomes medically stable. All further medical cost to maintain medically stable state would have borne by the Insured/ Insured Person.

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"Pre-Existing Condition" means chronic diseases or illnesses or ailments and consequences of such diseases or illnesses or ailments existing or known to exist at the commencement of the period of insurance, even if the same had not been treated, including diseases or illnesses treated or for which medical advice was sought in the last six months before commencement of the period of insurance and including their consequences.

This policy covers pre-existing condition or any complication arising from it only in case of Life saving unforeseen emergency situations. Lifesaving unforeseen emergency measures, provided to the Insured/Insured Person by the Physician for disease /illness /injury arising out of a pre-existing condition. The treatment for these emergency measures would be paid till the Insured/Insured Person becomes medically stable. All further medical cost to maintain medically stable state would have borne by the Insured/ Insured Person.

Some of the preexisting 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.

Reliance travel insurance covers declared non critical pre-existing conditions under life threatening for travelers up to 70 years as per policy terms and conditions. Travelers above 70 years are not covered for pre-existing diseases.

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