Care travel insurance

Care Travel Insurance FAQ's

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Care Travel Insurance

Care Travel Insurance FAQ's

  • Care travel insurance can be initially purchased for 180 days and can be renewed for another 180 days with good health and no claim declaration.

    If you are traveling to UK and Schengen countries, you can buy the Care Explore Europe plan.

    Care 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 Care 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.

    Care 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.

    Care travel health insurance covers life threatening conditions for declared pre-existing medical conditions up to 10% of sum insured or policy medical maximum.

    For hospitalization medical expenses claims notify Care 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 Care 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

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

    Care 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.

    Yes Care 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.

    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.

    Yes, after specified deductible, hospitalization medical expenses more than 24 hours is cashless while outpatient medical expenses are reimbursement basis.

    Some of the exclusions of Care 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.
  • The Medical Cover component of your Care 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).

    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.

    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.

    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.

    Dental Expenses:
    incurred in connection with any injury while on your trip are covered by the policy.

  • 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.

    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.

    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.

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

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

  • 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.

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

    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

    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.

  • Care 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.

    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.

    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.

Care travel insurance highlights

assignment
Sum Insured

USD 25,000 / 50,000 / 1 Lakh / 2.5 Lakhs / 5 Lakhs

lists
Coverage period

180 days (can be extended for further)

person
Eligibility

1 day to 90 years

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