Religare travel insurance for visiting Egypt

Benefit	Explore Africa	Explore Gold	Explore Platinum	Deductible
Geographical scope	Africa	Worldwide / Worldwide excluding US and Canada	Worldwide / Worldwide excluding US and Canada	-
sum insured	USD 25,000, USD 50,000 & USD 100,000	USD 50,000, USD 100,000, USD 300,000 & USD 500,000	USD 50,000, USD 100,000, USD 300,000 & USD 500,000	-
Hospitalization expenses	Yes	Yes	Yes	-
In-patient Care	Up to sum insured	Up to sum insured	Up to sum insured	US $100 / € 75
Pre-existing diseases (Life Threatening Condition)	10% of sum insured	10% of sum insured	10% of sum insured	US $100 / € 75
Additional sum insured for Accidental Hospitalization	Yes, up to 100% sum insured	Yes, up to 100% sum insured	Yes, up to 100% sum insured	US $100 / € 75
Out-patient care	20% of sum insured	USD 50,000	USD 50,000	US $100 / € 75
Daily Allowance	US $25 per day, max 5 days	US $25 per day, max 5 days	US $25 per day, max 5 days	2 days
Compassionate Visit	-	-	US $5,000	-
Return of Minor Child	-	-	US $2,000	-
Upgradation to Business Class	US $1,000	US $1,000	US $1,000	-
Dental Expenses	US $300	US $300	US $300	US $100 / € 75
Personal Accident	US $15,000	US $15,000	US $15,000	-
Common Carrier Accidental Death	-	-	US $5,000	-
Medical Evacuation	US $10,000	US $50,000	US $50,000	-
Repatriation of Mortal Remains	US $10,000	US $50,000	US $50,000	-
Trip Cancellation and Interruption	US $1,000	US $1,000	US $1,000	-
Trip Delay	US $500	US $500	US $500	12 hours
Loss of Checked-in-Baggage	US $100	US $100	US $100	-
Delay of Checked-in-Baggage	US $100	US $100	US $100	12 hours
Loss of Passport	US $300	US $300	US $300	-
Personal Liability	US $100,000	US $100,000	US $100,000	US $100 / € 75

Sub limit details are as follows:
Sublimits are applicable for age 61 and above. However this sublimits are waived off / not applicable for travelers who buy a Explore Platinum plan

Medical Expense	Sub-limit
Room Rent including boarding and lodging	1.5% of the sum insured subject to maximum of US $ 2,000 per day / € 1,500 per day
ICU Charges	2% of the sum insured subject to a maximum of US $ 3,000 per day / € 2,250 per day
Operation Theatre Charges (Including surgeon charges)	10% of the sum insured subject to a maximum of US $ 20,000 per claim / € 15,000 per claim
Ambulance Services	US $ 500 per claim / €375 per claim
Diagnostics and Radiology Services	US $ 1,000 per claim / €750 per claim
Medical Practitioners visit fees	US $ 100, per visit / € 75 per visit subject to maximum of 10 visits per claim
Miscellaneous Expenses	US $ 1,000 per claim / € 750 per claim

For the purpose of application of the above limits :
(i) Surgery includes operation theatre charges, surgeon fees, implant charges and all other associated charges.
(ii) Ambulance Services include cost of transportation of the Insured Person to the nearest Hospital and paramedic services.
(iii) Miscellaneous Expenses includes but not limited to the cost of medicines, pharmacy or drugs supplies, nursing charges, external medical appliances as prescribed by a registered Medical Practitioner as necessary and essential as part of the treatment on actuals, blood storage and processing charges and any other services which are not specified above.

Pre-existing conditions coverage

• Under life threatening situations, Religare covers medical expenses for pre-existing diseases.
• Covers critical diseases like Liver disease, Cancer / Tumor, Coronary Artery Heart Disease, Kidney Disease, Paralysis / Stroke
• It is cashless if hospitalization is more than 24 hours
• Reimbursement if hospitalization is less than 24 hours

Religare Explore Africa insurance - 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 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).

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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.

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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.

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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.

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What dental coverage does the policy provide?

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