Religare Explore travel insurance without sublimits

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Religare Explore Platinum travel insurance

Indians travelling overseas are vulnerable to travel and health risks. Travel risks include unplanned trip cancellation, trip delay, trip interruption, baggage loss, baggage delay, loss of passport and personal liability. Health risks include sudden sickness, accidental injury which may sometimes result in hospitalization or medical evacuation. Buying the right insurance that would cover these emergency expenses is important so that you need not compromise on the healthcare treatment because it is expensive. Under certain circumstances most insurance plans have sub-limits on every benefit offered by them. These plans would not cover all the expenses up to the chosen plan maximum thereby making the insurance plan you buy inconvenient.

Religare has designed an insurance plan namely Explore Platinum which offers comprehensive coverage without any sub-limits. This plan offers global coverage and does not have any sublimit on the benefits. Therefore it makes a difference when the cost of health care treatment is very high. The coverage for travelers is available for older travellers and also offers coverage for pre-existing diseases up to 10% of the chosen maximum limit.

Religare overseas travel insurance India - Useful links

how to buy religare insurance online
How to buy Religare overseas travel insurance?

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
Traveler outside India

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

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Religare Brochure
Religare overseas mediclaim insurance brochure

Religare health insurance explore the world without worry!

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Religare insurance claims
Religare travel insurance claim process

In case of Claim or reimbursement of treatment expenses, notify Religare health insurance

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Religare insurance faq
Religare visitor travel insurance FAQ

Get all the answers to the most frequently asked questions (FAQs) regarding religare travel health insurance

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Online Renewal
Religare travel insurance renewal

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

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Religare policy wordings
Religare visitor medical insurance policy wordings

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Religare travel without sublimits
Religare travel medical insurance without sublimits

Religare visitor medical insurance plan without sub-limits

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Is Religare travel insurance a cashless travel health insurance?

After specified deductible, Religare overseas health insurance is cashless for medical expenses more than 24 hour stay in the hospital. Any medical claim which are less than 24 hours are reimbursement basis.

Does Religare travel health insurance cover outpatient medical expenses?

Yes Religare overseas travel health insurance covers outpatient medical expenses, doctor fees, doctor prescribed medicines. The policy holder has to bear the expenses upfront and submit the required bills for reimbursement later.

How do I claim if I want to use the policy for medical expenses?

For hospitalization medical expenses claims notify Religare health insurance immediately service provider Falck Global Assistance (24 hours assistance center) on the below numbers
USA & Canada: +1-844-3013135 / +1-844-3013146 ( Toll Free)
Rest of the world: +91-124-4498760 (Call Back Facility)
Email: travelassistance@religare.com

In case of reimbursement of treatment expenses, contact Religare Health Insurance Company Limited, Vipul Tech Square, Tower C, 3rd Floor, Sector – 43,Golf Course Road, Gurgaon – 122009
India: 1800 200 4488 (Toll Free & Accessible in India only)
Email: travelassistance@religare.com
  • Benefit Table
  • Policy Coverage
  • Exclusions
  • Claims process
  • FAQ's
Benefit Explore Platinum Deductible
globe  Geographical scope Worldwide / Worldwide excluding US and Canada -
cash  Sum Insured USD 50,000, USD 100,000, USD 300,000 & USD 500,000 -
hospital  Hospitalization expenses Yes -
patient  In-patient Care Up to sum insured US $100 / € 75
patient  Pre-existing diseases (Life Threatening Condition) 10% of sum insured US $100 / € 75
accident  Additional sum insured for Accidental Hospitalization Yes, up to 100% sum insured US $100 / € 75
out-patient  Out-patient care USD 50,000 US $100 / € 75
daily allowance  Daily Allowance US $25 per day, max 5 days 2 days
compassionate visit  Compassionate Visit US $5,000 -
child  Return of Minor Child US $2,000 -
globe  Upgradation to Business Class US $1,000 -
teeth  Dental Expenses US $300 US $100 / € 75
car  Personal Accident US $15,000 -
passport  Common Carrier Accidental Death US $5,000 -
clinic  Medical Evacuation US $50,000 -
hotel  Repatriation of Mortal Remains US $50,000 -
head  Trip Cancellation and Interruption US $1,000 -
person  Trip Delay US $500 12 hours
person-with-lugg  Loss of Checked-in-Baggage US $100 -
delay-bag  Delay of Checked-in-Baggage US $100 12 hours
passport  Loss of Passport US $300 -
person  Personal Liability US $100,000 US $100 / € 75
medical insurance

Coverage for medical needs

  • Hospitalisation Cover - In-patient & Out-patient
  • Pre-Existing Disease Coverage
  • Double Sum Insured for Accidental Hospitalization
  • Treatment in Home Country
  • Medical Evacuation
  • Common Carrier Accidental Death
  • Dental Expenses
  • Daily Allowance for Hospitalization
  • 2-way Compassionate Visit
  • Accidental Death/Permanent Total Disability


non medical

Coverage for non-medical needs

  • Trip Delay, Cancellation or Interruption
  • Loss/Delay of Checked-In baggage
  • Loss of Passport
  • Personal Liability
  • Return of Minor Child
  • Up-gradation To Business Class






Religare Health Insurance Travel - Exclusions

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • War and Nuclear perils or consequences thereof.
  • Ionising Radiation or contamination arising out of the same.
  • Any intentional self-injury, suicide or attempted suicide.
  • Any claim relating to hazardous activities.
  • The insured being involved in Breach of taw.
  • HIV/AIDS.

Religare Travel Insurance Claims Procedure

In case of Claim, notify Religare health insurance immediately on any of the below touch-points for hassle free processing and speedy settlements.
Falck Global Assistance (24 hours assistance centre)
call USA & Canada: +1 844 301 3135 / +1 844 301 3146 ( Toll Free)

Rest of the world: +91-124-4498760 (Call Back Facility)

emailEmail: travelassistance@religare.com

faxFax: +91- 124- 4006674

In case of reimbursement of treatment expenses, reach Religare health insurance at the below touch points
Religare Health Insurance Company Limited GYS Global, Plot No. A3, A4, A5, Sector - 125, Noida, U.P. - 201301
call India: 1800 200 4488 (Toll Free & Accessible in India only)

emailEmail: travelclaims@religare.com

faxFax: 1800 200 6677



Be it Cashless settlement or reimbursement of medical expenses, Religare Health Insurance Company delivers its promise of worry free experience!
NRI Online Pvt Ltd markets Religare Health Insurance company's various insurance products. However NRI Online Pvt Ltd is not responsible for any claims. Claims are settled directly by Religare Health Insurance Company Limited.

Religare Travel Insurance Plans - FAQ's

How do I use the insurance if I fall sick during my overseas trip?

The Medical Cover component of your Religare travel insurance:
Covers your treatment and hospitalization if needed for an illness that happens during your travel. In the event that you need further treatment even after your return to India, the medical expenses for this ailment will be covered up to a period of 30 days or the policy end date whichever is earlier. There is an additional benefit in that the policy medical Sum Insured is doubled in the event of an accident (as opposed to sickness).


How does this policy cater to medical evacuation should the need arise during my travel abroad?

The Medical Evacuation component of the policy will
covers the costs incurred for any emergency evacuation and transportation that is needed to transfer the insured to an appropriate medical facility within our coverage network.


Does the policy provide any coverage should the vehicle that the insured is traveling in has an accident?

The Personal Accident clause
covers any adverse circumstance arising due to an accident, be it death or permanent total disability, while the insured is overseas.


Does the insurance cover the insured if the aircraft that he/she is flying in is involved in an mishap? The Common Carrier Accidental Death clause provides
a lumpsum payment of the Sum Insured in the event of accidental death of the insured while traveling on a common carrier/transport.
What dental coverage does the policy provide?

Dental Expenses:
incurred in connection with any injury while on your trip are covered by the policy.

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