Religare Senior Citizen Travel Insurance

Get quotes for Religare travel health insurance for senior citizens

1. Plan Type
Single Trip Travel
Do you have PreExisting disease
2. No of Traveler
Date of Birth
OR age   years
Start Date
  Total Days: 
End Date
Unique features
  • Premium per day for the coverage required
  • Covers only declared pre-existing conditions (under life threatening situations and covers expenses up to 10% of the maximum coverage)
  • Double sum insured when hospitalized due to accident
  • No sublimits in the coverage offered by the Explore Platinum plan
  • Up gradation to business class if unable to travel back to India on economy due to medical treatment while insured
religare senior travel insurance

International travel insurance for older travelers

Many Indians work overseas or have settled abroad permanently. Quite often they have their older parents or senior citizens visiting them. Travelling outside India involves health risks and other adverse situations like the loss of baggage, trip delay, trip cancellation or interruption, or the loss of passport. Being older travelers chances of falling sick or meeting with an accident is greater.

The cost of treating a senior citizen traveler is also high in foreign countries. It is wrong to assume that your domestic Indian health insurance would cover your older parents, since domestic Indian health insurance provides little to no coverage outside India. Therefore buying the appropriate travel medical insurance for senior citizens or parents going abroad is essential and important.

Religare travel medical insurance for senior citizens and parents

Religare offers good travel health insurance for 70+ travelers which includes cashless in-patient hospitalization, covers pre-existing conditions under life threatening situations, doctor visits in outpatient department, ambulance services and much more in case of a medical emergency. Religare’s overseas travel insurance is popularly known as "Religare Explore international travel insurance" among Indian senior citizens overseas. This insurance plan offers worldwide coverage in Asian countries, African countries, USA, Canada, Schengen and other European countries.

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

Know more about Religare travel health insurance products

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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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What is the maximum coverage that Religare travel health insurance offers for 70+ senior citizens?

Religare travel insurance offers insurance cover to senior citizens without any requirement of medical reports. Travelers aged 61 to 80 years can get a coverage of $50,000 and $100,000 / 30,000 Euros and 100,000 Euros and 81 to 90 year old travelers get a coverage of $50,000 / 30,000 Euros.

Does Religare overseas travel insurance has any coverage restrictions for senior citizens?

Yes, senior citizens who are 60+ years and traveling overseas, there are medical restrictions or medical sub limits on the policy coverage. However these medical sub limits can be waived off by paying extra premium and get a comprehensive coverage plan. Platinum plan is a comprehensive plan.

Does Religare travel insurance cover pre-existing conditions for Senior citizens?

Yes, Religare travel insurance covers pre-existing diseases for senior citizens for life threatening conditions up to 10% of sum insured irrespective of the plan and coverage. They can just declare the pre-existing diseases in the online proposal form and buy the policy without submitting any paper documents or medical reports.

How much coverage is offered by Religare for Indian parents with pre-existing conditions?

For declared pre-existing medical conditions Religare travel insurance offers up to 10% of sum insured in case of life threatening situations and as per terms and conditions of the policy.

Can I buy Religare travel insurance for my parents after they have left India?

No. Religare travel insurance has to purchase before the travelers depart India.

What is the maximum entry age for my parents to buy Religare travel insurance?

90 years

What is maximum entry age for Religare travel insurance?

Senior citizens and Indian parents aged up to 90 years can get the Religare travel medical insurance. They can buy the Religare explore plans online without submitting any medical reports.
  • Benefit Table
  • Key Features
  • Policy Coverage
  • Exclusions

Religare senior travel insurance plan benefits

Benefit Explore
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
  PED (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 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.

Key features of Religare senior citizen travel health insurance

  • No medical test required to buy the plan.
  • Cashless hospitalization for medical expenses after deductible
  • Covers doctor visits / outpatient medical expenses after deductible
  • Per day premium. Pay for the number of days you buy insurance.
  • Cheaper plan for Senior citizens aged 71-90 years due to a single slab
  • Get $100,000 cover for travelers aged 71-80 while $50,000 cover for 81-90 year old traveler.
  • Covers declared pre-existing diseases up to 10% of policy maximum under life threatening situations.
  • Platinum plan offers medical cover up to policy maximum without any restrictions.
  • Covers for medical evacuation and repatriation
  • Wide range of plan options for travel to any country for senior citizens.
  • Buy for 180 days and renew for another 180 days

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 senior citizen travel 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.
This is only a summary of product . For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Please seek the advice of your insurance advisor if you require any further information or clarification.

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