Religare Overseas Travel Insurance

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Religare travel insurance India - Useful links

how to buy religare insurance online
How to buy 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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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
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
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
Policy Wordings

Know more about religare Travel insurance products

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Religare travel without sublimits
Travel without sublimits

Religare travel insurance plan without sub-limits

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Religare travel health insurance for Indians overseas – Overview

Indian domestic health insurance will not offer overseas coverage for medical expenses in case of sudden sickness or accidents while outside India. Healthcare abroad while being sophisticated is also very expensive and can be traumatic for Indian tourists. Indian tourists would also be unaware of medical facilities in foreign countries, and it helps to have overseas health insurance where the insurance provider can offer medical assistance services. Religare offers medical and non-medical overseas insurance benefits to Indians travellers while overseas. It has designed an international travel insurance product namely “Explore”. This product is region specific making it easier for customers to review and select a product of their choice. Religare overseas travel insurance is ideal for Individual travellers, parents and seniors visiting their families and children, business or corporate travelers taking multiple trips in a year.
Indian tourists travelling overseas can get Religare travel insurance quotes online using the Religare travel insurance premium calculator. After selecting a plan of their choice Indian tourists can also complete the Religare travel insurance proposal form online. Indian international tourists can buy Religare travel health insurance online either using the Credit Card purchase, Net banking, Mobile wallet or Cheque payment facilities. Please read through Religare travel insurance brochure for complete set of benefits covered by the plan and its policy wordings which includes the terms and conditions.

Religare Travel Insurance plans

above 70 years Senior Citizen Travel Insurance

Senior travelers up to the age of 90 years can opt for Religare Travel insurance coverage

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annual multi trip insurance Annual Multi trip Insurance

Business travelers making multiple trips overseas annually can buy the annual multi trip travel insurance

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Reliance Schengen Plan Schengen Travel Insurance

Applying for Schengen visa? Then this Religare Schengen insurance is a good option to go for!

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  • Benefit Table
  • Unique Features
  • Policy Coverage
  • Exclusions
  • Claims process
  • FAQ's
Benefit Explore
Asia
Explore
Africa
Explore
Europe
Explore
Canada+
Explore
Gold
Explore Platinum Deductible
globe  Geographical scope Asia Africa Europe Worldwide excluding US Worldwide / Worldwide excluding US and Canada Worldwide / Worldwide excluding US and Canada -
cash  Sum Insured USD 25,000, USD 50,000 & USD 100,000 USD 25,000, USD 50,000 & USD 100,000 € 30,000 & € 100,000 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 -
hospital  Hospitalization expenses Yes Yes Yes Yes Yes Yes -
patient  In-patient Care Up to SI* Up to SI* Up to SI* Up to SI* Up to SI* Up to SI* US $100 / € 75
hospital  Pre-existing diseases (Life Threatening Condition) 10% of SI* 10% of SI* 10% of SI* 10% of SI* 10% of SI* 10% of SI* US $100 / € 75
accident  Additional SI* for Accidental Hospitalization Yes, up to 100% SI* Yes, up to 100% SI* Yes, up to 100% SI* Yes, up to 100% SI* Yes, up to 100% SI* Yes, up to 100% SI* US $100 / € 75
out-patient  Out-patient care 20% of SI* 20% of SI* € 30,000 USD 50,000 USD 50,000 USD 50,000 US $100 / € 75
daily allowance  Daily Allowance US $25 per day, max 5 days US $25 per day, max 5 days US $25 per day, max 5 days 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  Compassionate Visit - - - - - US $5,000 -
child  Return of Minor Child - - - - - US $2,000 -
globe  Upgradation to Business Class US $1,000 US $1,000 € 750 US $1,000 US $1,000 US $1,000 -
teeth  Dental Expenses US $300 US $300 € 300 US $300 US $300 US $300 US $100 / € 75
car  Personal Accident US $15,000 US $15,000 € 10,000 US $15,000 US $15,000 US $15,000 -
passport  Common Carrier Accidental Death - - - - - US $5,000 -
clinic  Medical Evacuation US $10,000 US $10,000 € 30,000 US $50,000 US $50,000 US $50,000 -
hotel  Repatriation of Mortal Remains US $10,000 US $10,000 € 30,000 US $50,000 US $50,000 US $50,000 -
head  Trip Cancellation and Interruption US $1,000 US $1,000 € 750 US $1,000 US $1,000 US $1,000 -
person  Trip Delay US $500 US $500 € 300 US $500 US $500 US $500 12 hours
person-with-lugg  Loss of Checked-in-Baggage US $100 US $100 € 100 US $100 US $100 US $100 -
delay-bag  Delay of Checked-in-Baggage US $100 US $100 € 100 US $100 US $100 US $100 12 hours
passport  Loss of Passport US $300 US $300 € 250 US $300 US $300 US $300 -
person  Personal Liability US $100,000 US $100,000 € 75,000 US $100,000 US $100,000 US $100,000 US $100 / € 75
* - Sum Insured

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 is 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 processing charges and any other services which are not specified above.

Religare Foreign Travel Insurance - Unique features

  • Pre existing covered upto 10% of Sum Insured in case of life threatening only
    E.g.: USD 5,000 for USD 50,000
    USD 10,000 for USD 100,000
  • Age band covered from Day 1 (baby) - unlimited age.
  • Sublimit option for Gold plan for over & above 60 Years is applicable; but Sublimit not applicable for Platinum Plan for any age group
  • Per day rates - Premium calculated for actual days of travel i.e. Slab rates not applicable
    E.g. 2 days , 4 days etc.
  • Double Sum insured in case of accident.
    E.g. Customer buying USD 50,000 cover will have coverage upto USD 100,000 in case claim arising due to accident.
  • Explore Europe & Explore-Platinum Plans are approved by all the Schengen consulates up to unlimited age cover without any restriction
  • Issuance of policy through Travel Agents login - Individuals could use their credit cards for payment.
  • E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency
  • Premium quoting & coverage details could be sent to customer on their email ID's automatically from the Agents login before purchase/ Issuance of the policy
  • Our Policy don't have Per Aliment Limit
  • Customer can Upgrade to Business class travel ticket in case of hospitalization abroad while returning (Return should be within 20days post Discharge form hospital)
  • Treatment in home country covered upto 30days if the customer returns to India as per Doctor's advise post hospitalization abroad.
Coverage for medical needs

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


Coverage for non-medical needs

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)
  • USA & Canada: +1 844 301 3135 / +1 844 301 3146 ( Toll Free)
  • Rest of the world: +91-124-4498760 (Call Back Facility)
  • Email: travelassistance@religare.com
  • Fax: +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
  • India: 1800 200 4488 (Toll Free & Accessible in India only)
  • Email: travelclaims@religare.com
  • Fax: 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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