What is the maximum duration Religare travel health insurance be purchased?
Religare travel insurance can be initially purchased for 180 days and can be renewed for another 180 days with good health and no claim declaration.
I am traveling to UK and Schengen countries? Which plan should I buy which will cover both the countries?
If you are traveling to UK and Schengen countries, you can buy the Religare Explore Europe plan.
Can Religare travel insurance be renewed online?
Religare travel insurance can be renewed online at Once the renewal form is filled and submitted
. The filled form will be sent for approval to the Religare head office and the customer will be updated regarding the approval to renew the policy or rejection of renewal. If the renewal is approved, the policy holder will be intimated along with the renewal premium via email. The customer pays the renewal premium online and the renewed policy is sent to the customer.
What are the plans which covers pre-existing medical conditions?
Religare travel insurance plans cover pre-existing medical conditions up to 10% of sum insured in case of life threatening conditions. Explore Asia plan, Explore Canada plan, Explore Africa plan, Explore Europe plan, Explore worldwide plan Explore worldwide excluding USA and Canada cover pre-existing medical conditions.
What is the maximum coverage that Religare travel health insurance offers for a traveler with pre-existing disease?
Religare travel health insurance covers life threatening conditions for declared pre-existing medical conditions up to 10% of sum insured or policy medical maximum.
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
( Toll Free)
Rest of the world: +91-124-4498760
(Call Back Facility)
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
(Toll Free & Accessible in India only)
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.
I am traveling to only to Canada. Which plan is best for me?
Religare has designed an unique plan Explore Canada plan for people traveling to Canada. This plan works out to be cheaper than the conventional worldwide plan. The plan also provides insurance cover for people traveling to different countries other than USA. For example if a traveler is traveling to UK and Canada, they can purchase this plan.
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.
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 overseas travel insurance offer cashless claims settlement?
Yes, after specified deductible, hospitalization medical expenses more than 24 hours is cashless while outpatient medical expenses are reimbursement basis.
What are the exclusions of Religare travel insurance?
Some of the exclusions of Religare travel insurance are as below
- Degenerative or oncological (Cancer) diseases.
- Any treatment of orthopedic diseases or conditions except for fractures, dislocations and / or injuries suffered during the period of insurance.
- Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to birth defects.
- Hormone replacement therapy.
- Any cost arising due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations.
- Traveling overseas for treatment purpose, self-injury and other general exclusions.
What options are available for business travelers who travel overseas often?
Religare offers two options to choose from –
- Multi Trip with maximum 45 days per trip
- Multi Trip with maximum 60 days per trip
Choose your policy duration as per your needs In case of single trip, you can opt for a policy period up to a maximum of 365 days or maximum trip duration as specified under each plan.
Can the insured provide a reimbursement if the overseas travel is cut short?
Yes, we do provide a reimbursement in that situation .
- The policy can be cancelled and premium will be refunded if the difference between the date of arrival of insured and end date of policy is 15 days or more. (a cancellation charge of Rs300 would be deducted)
- No cancellation will be allowed if a Claim is filed on the policy.
Does the policy have a free look period?
Only in the case of a 1 year policy, there is a 15 day free look period. If you change your period during this period, you can cancel the policy.