Reliance Travel Medical Insurance FAQ's

The loss of handbag is not covered. The Policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/ insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.

The travel policy covers will compensate you for any unfortunate outcomes/ losses of an accident that takes place during your travel. This compensation is different for various losses and is limited to the sum insured as mentioned in the plan.

Our Travel Insurance Policy covers you up to the maximum amount mentioned in your policy as long as you are travelling in/ by an IATA certified carrier.

The policy has a personal liability cover that protects your liability under incidents that result in death, injury, damage to health or damage to the property of a third party. Also, you have the personal accident cover to take care of your hospitalisation expenses in case of any accidental injury.

In case you fall sick or you sustain any injury and are hospitalised, we will take care of all your expenses in a cashless manner. What's more, if you have been hospitalised for more than 2 consecutive days, you can avail of a daily allowance.

This is a special service that provides the insured financial assistance in times of financial emergency that may arise only due to theft or robbery. In a situation where you are short of funds/ cash, this cover will not be able to help you.

In case your flight is hijacked, your policy will compensate to you up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.

In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster; then we will reimburse to you up to the maximum amount as mentioned in your policy.

The policy has a Home Burglary cover that protects your house and valuables from burglary &/or attempted burglary, up to the limit of Sum Insured. The policy does not cover losses sustained due to fire or other perils.

The travel policy has a cover named Study Interruption that provides compensation in case:

• The insured is hospitalised for more than one consecutive month on account of any disease, illness, injury, terminal sickness or medical repatriation,
• An immediate family member or the Sponsor of the insured expires, leading the insured to discontinue his/her studies for the remaining part of the current semester for which tuition fee has been paid.

A student travel insurance policy covers you for a specific period ( e.g. 30 days, 60 days, 90 days, so on till 730 days). If your examination is delayed, but it is still within this specific period, your insurance policy will cover you. If case your examination is delayed resulting in an unanticipated extension beyond the specified period mentioned in your policy, you always have the option to extend your policy.

A business or corporate travel insurance policy is beneficial in case you:

• Have high number of employees travelling at different times
• Have high number of travelling days
• Want to cover certain risks for certain employees
• Need worldwide coverage
• Have high turnover of employees
• Want to cover employees from various group companies
• Minimize documentation
• Simple and easy administration.