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Religare travel insurance for Indians visiting USA

Buy Religare travel insurance for USA
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Religare travel insurance USA - Overview
The Indian community in the USA has grown significantly in the recent past thanks largely to the number of Indians who have gone to the US for their higher education and for work in the IT industry. These Indians have a strong bond with their friends and families back in India. As a result of this, very often parents, senior citizens, relatives and other family members visit the US. Thanks to the growing Indian middle class, a number of Indians also travel to the United States for vacations. The duration of their stay could range from a few weeks to a few months. These traveling Indians however while in the US are exposed to a completely different environment and are prone to fall sick or even have an accident.
While they are focused on their the trip or enjoying their vacation, facing adverse medical circumstances can be very disturbing. Healthcare in any US hospital while sophisticated is extremely expensive. Without the best visitor medical insurance, Indian visitors can have the difficulty in seeking good medical treatment. Indians can buy Religare Explore international travel health insurance to insure oneself against medical expenses while in US.
Indian tourists travelling overseas can get Religare travel insurance quotes online using the Religare travel insurance premium calculator. Indian tourists can also fill 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 benefits covered by the plan and its policy wordings which includes the terms and conditions.

Travel insurance compulsory for the US?

The US government has in October 2019 introduced a rule which makes it compulsory for all new US immigrant visa applicants from November 2019 to have proper US health insurance in the United States. This new rule will directly impact new US immigrant visa applications, such as for parents and family members of the Indians living in the United States. This compulsory US immigrant health insurance attempts to reduce the burden on the US health care system and on US tax payers by uninsured new US immigrants.
While this rule is focused on those applying for US immigrant visas, we are hearing from customers that even tourist visa applicants are being expected to have good travel medical insurance. The travel insurance plans offered here work well for tourists to the US. After buying this US travel insurance, customers will receive the travel insurance document by email. Customers can use this travel insurance document as proof of travel health insurance in the US while applying for the US tourist visa. Given the high cost of US healthcare, it is in any case very important for all tourists to buy adequate US health insurance.

Which is the best Indian travel insurance for USA? Which travel insurance is best for USA from India?

One of the most popular US visitor medical insurance for Indians is the Religare US travel health insurance. It covers travelers of all age groups up to 99 years. It has two plans namely Explore Gold and Explore Platinum with a wide range of maximum coverage options namely.

Covid 19 Religare travel insurance for Coronavirus

The Religare travel insurance now offers coverage for medical expenses related to COVID-19. The Religare covid travel insurance coverage for all travellers is available up to the limits mentioned in the policy schedule when the insured is outside the Republic of India. The Religare coronavirus travel insurance coverage in the policy is subject to policy terms & conditions.

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

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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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Popular tourist destinations in USA

New York City
New York City

The City of New York, often called New York City or simply New York. New York City comprises 5 boroughs sitting where the Hudson River meets the Atlantic Ocean.

San Francisco
San Francisco

San Francisco, in northern California, is a hilly city on the tip of a peninsula surrounded by the Pacific Ocean and San Francisco Bay. It's known for its year-round fog, iconic Golden Gate Bridge, cable cars and colorful Victorian houses.

Las Vegas
Las Vegas

Las Vegas, in Nevada’s Mojave Desert, is a resort city famed for its vibrant nightlife, centered around 24-hour casinos and other entertainment options.

Los Angeles
Los Angeles

Los Angeles is a sprawling Southern California city and the center of the nation’s film and television industry.

USA travel Insurance

USA - General information

USA  Flag
map  Location

North America

house  Capital

Washington, D.C.

language  Language

American English

currency  Currency

United States Dollar

population  Population

32.57 crores (2017)

calendar  Best time to visit

Spring and Autumn

map  Vacation spots

New York City, Los Angeles, Chicago, Las Vegas, Washington, D.C., Yellowstone, San Francisco, Jacksonville, Savannah, New Orleans, Asheville, Hawaii, Florida, Redwood National Park.

Religare travel insurance plans details

  • Benefit Table
  • Policy Coverage
  • Pre-exisiting Coverage
  • Claims process
  • FAQ's
  • Exclusions
Explore Gold Explore Platinum
Geographical scope
Worldwide / Worldwide excluding US and Canada Worldwide / Worldwide excluding US and Canada
Sum Insured
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
In-patient Care  Deductible: US $100 / € 75
Up to SI* Up to SI*
PED (Life Threatening Condition)  Deductible: US $100 / € 75
10% of SI* 10% of SI*
Additional SI* for Accidental Hospitalization  Deductible: US $100 / € 75
Yes, up to 100% SI* Yes, up to 100% SI*
Out-patient care  Deductible: US $100 / € 75
20% of SI* 20% of SI*
Daily Allowance  Deductible: 2 days
US $25 per day, max 5 days US $25 per day, max 5 days
Compassionate Visit
- US $5,000
Return of Minor Child
- US $2,000
Upgradation to Business Class
US $1,000 US $1,000
Dental Expenses  Deductible: US $100 / € 75
US $300 US $300
Personal Accident
US $15,000 US $15,000
Common Carrier Accidental Death
- US $5,000
Medical Evacuation
US $10,000 US $10,000
Repatriation of Mortal Remains
US $10,000 US $10,000
Trip Cancellation and Interruption
US $1,000 US $1,000
Trip Delay  Time Delay: 12 hours
US $500 US $500
Loss of Checked-in-Baggage
US $100 US $100
Delay of Checked-in-Baggage  Time Delay: 12 hours
US $100 US $100
Loss of Passport
US $300 US $300
Personal Liability Deductible: US $100 / € 75
US $100,000 US $100,000
* - 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.
medical insurance

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






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 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 much is Religare travel insurance cost for the USA?

The cost for the USA travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of USA travel insurance required, the greater will be the cost. You can get buy Religare travel insurance for USA by getting free quotes on our website and then completing the Religare travel insurance proposal form and buying the Indian overseas mediclaim policy online.


Do I need travel insurance for USA?

If you are applying for the USA visa, the consular authorities can ask you to have adequate travel insurance for the USA. However given the fact that your domestic Indian health insurance provides little coverage in USA, it is important for Indian travelers to buy good Religare overseas travel insurance for the USA.


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.


Which travel insurance is best?

Religare travel insurance is one of the most popular Indian travel insurance policy as it offers the following benefits:

  • Customized plans for different destinations.
  • Premium can be paid per day.
  • Covers declared pre-existing medical conditions up to 10% of sum insured.
  • Comprehensive Explore Platinum plan for travelers of all age group without any sublimits.
  • Double sum insured for accidental hospitalization medical expenses.
  • Upgrade to business class if the traveler cannot fly in economy class due to medical conditions.

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.
Travel to Europe
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
USA

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

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Travel to Australia
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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Search for Religare travel medical insurance

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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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