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Religare Travel Insurance FAQ's

  • Travel insurance
  • Medical coverage
  • Non Medical coverages
  • Unique coverages
  • Additional coverages

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 / +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

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
  1. Degenerative or oncological (Cancer) diseases.
  2. Any treatment of orthopedic diseases or conditions except for fractures, dislocations and / or injuries suffered during the period of insurance.
  3. Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to birth defects.
  4. Hormone replacement therapy.
  5. Any cost arising due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations.
  6. Traveling overseas for treatment purpose, self-injury and other general exclusions.

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.

Does the policy cover trip cancellation?

Financial loss incurred due to Trip Cancellation & Interruption are
covered if the cancellation of the trip is caused by an unforeseen event arising due to specified manmade or natural conditions.

Will a flight delay be covered?

Trip Delay
expenses are covered if the delay in your departure is beyond 12 consecutive hours and is due to a list of clearly specified reasons/issues.

Would any delay in Checked-in Baggage or loss of baggage be covered?

Loss of Checked-in Baggage:
Covers expenses for your checked-in baggage lost while in custody of the Common Carrier (airlines).
Delay of Checked-in Baggage:
Covers expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.

Is there any coverage for losing the passport?

Loss of Passport:
Covers expenses for the issue of a new or duplicate passport.

Does this insurance provide any liability cover?

Personal Liability:
Covers expenses against legal liability for bodily injury or property damage that occurred accidentally to third parties during your trip.

Does the policy provide for expenses incurred while looking after the insured in hospital?

Daily Allowance in case of Hospitalization clauses ensures
payment of a specified amount per day of stay at the hospital to meet numerous allied expenses such as attendant’s meals, transportation and communication incurred but not covered under your Policy.

Does the policy pay for the compassionate visit by family member if insured is hospitalized?

Two-way Compassionate Visit:
Covers transportation expenses for one immediate family member to travel to the insured’s current location.

Does the policy cover up-gradation of travel due to injury ?

Up-gradation To Business Class:
Compensates for up-gradation to business class for return air travel, in case of hospitalization for over five consecutive days, due to injury sustained during the insureds travel.

Can a dependent return to India if the adult is unable to travel, will the policy cover this situation?

Return of Minor Child:
Covers the return cost of a minor child to your home location, in case the insured adult is hospitalized and is travelling alone with your child/children.

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.
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Religare offers medical as well as non-medical travel emergency care coverage for Indians visiting Australia. Religare is very popular since the Religare’s Explore travel health insurance offers the best coverage for pre-existing conditions.
Travel to Europe

Indians visiting Europe or any of the Schengen countries can buy the Explore Europe Religare travel insurance.

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Travel to  USA

Indians travelling to USA can get free quotes from Religare travel insurance to USA online.

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Travel to Australia

Indians travelling to Australia can get free quotes for Religare Explore Gold or Platinum travel insurance online.

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Travel to UK
United Kingdom

Indians visiting UK can get free quotes and buy the Explore Europe Religare travel insurance online.

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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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Search for Religare travel medical insurance

Find out more about Religare overseas mediclaim insurance

Religare travel insurance reviews
Travel Reviews

Religare Travel Insurance Reviews - Customer experiences and testimonials.

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Religare Proposal form
Proposal Form

Religare travel insurance proposal form for Indians travelling overseas.

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Premium calculator
Premium Chart

Calculate the international travel insurance premium for Indian travelers travelling overseas.

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Customer Care
Customer Care

Religare Travel insurance customer care information for Indians travelling overseas.

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Resourceful Religare travel insurance links

Overseas Travel Medical Insurance

Religare Travel insurance for Indians traveling overseas.

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Annual Multitrip
Annual Multitrip Insurance

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

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Travel Asia Insurance

Religare Travel Care insurance for Indians going to other Asian countries.

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Senior Citizen
Senior Citizen Travel Insurance

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

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Schengen visa
Schengen Visa Insurance

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

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religare family travel insurance
Family travel insurance

Buy Religare family travel medical insurance online.

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