Reliance student travel insurance

Reliance Travel Insurance

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Reliance Travel Insurance

Reliance travel medical insurance - Key features

Covers hospitalization medical expenses in overseas.
Covers OPD/ doctor visits and pharmacy bills in overseas.
Covers pre-existing illness/diseases under life threatening situations.
Cheaper family floater plan for travelers up to 60 years.
No medical documents required to buy these plans.
Covers Trip Cancellation, Missed connection, Baggage loss and more.
Comprehensive plan (full $50,000 coverage) for senior citizens between 71-80 years.

Reliance Travel Insurance Review

Sum Insured

USD 50,000/ 100,000/250,000/500,000

Tenure Options

180 days( can be extended for further)

Age of Entry

180 days to 99 years

Overview of Reliance Travel Insurance

Reliance Travel Care Insurance policy provides comprehensive cover for you and your family when you globe trot. Reliance Travel Care goes beyond just health insurance and provides you with a wide range of travel related covers to make your trip stress-free. Reliance travel Care insurance plan can be purchased online using your credit card, debit card or cheque. Travelers should compare Reliance travel insurance plans online before buying it.

Reliance overseas travel medical insurance covers for the insured's unexpected medical and non-medical expenses. Travelers traveling overseas can buy travel insurance online using different modes of payment. Even the children being anywhere in the world can purchase reliance travel medical insurance for their parents traveling from India.

In reliance travel Care insurance policy, there are two types of medical expenses, one is reimbursable medical expenses where the traveler has to bear all the expenses and claim for reimbursement later. The second type of medical expenses is due to hospitalization for more than 24 hours. In such a case the billing will be done directly to the hospital from the insurance company. In either of the case, the traveler has to bear the deductible.

Please refer the brochure of Reliance travel insurance for the benefits offered by the plan and its policy wordings which explains the terms and conditions. You can get the complete quotes using the Reliance travel insurance premium chart. You can also complete an online Reliance travel insurance proposal form. You can renew/extend the plan using Reliance travel insurance extension form on expiry.

You can buy your policy online through our various payment options like Paytm, SBI buddy, Mobikwik, freecharge, Net Banking, Oxigen, Debit/Credit card etc available for your convenience.

Reliance overseas travel insurance extension/renewal while outside India

Follow below steps to Renew Reliance Travel and Student Medical Insurance

  1. Click on the Reliance declaration form and Reliance extension form to download the pdf document to your desktop.
  2. Fill the form and sign the document.
  3. Email the filled form along with existing policy copy to insurance@nriol.com

Once the renewal request is received it will followed up for getting approval which may take 1-2 working days and the policy holder will be updated on the approval / rejection about the same.

Benefits of Reliance travel medical insurance

  • Reliance travel medical insurance is available as Standard ($50,000), Silver($100,000), Gold($250,000) and Platinum($500,000)
  • Wider duration can be covered up to 182 days, which is extendable up to 365 days.
  • Insurance policy provides coverage for sportspersons subject to certain conditions.
  • No Medical Check-up available till the age of 90 years.
  • Common coverage for family up to 60 years for 182 days.
  • Senior citizens (71-80 years) can buy online the travel medical insurance for $15,000 and $50,000 coverage without medical check-up. Senior citizens (81-90 years) can buy the policy for $50,000
  • Comprehensive $50,000 without medical sublimits plan for Senior citizens (71-80 years).
  • This insurance plans gives comprehensive coverage through various unique benefits like Compassionate visit, Home Burglary Insurance, Financial Emergency Assistance etc.
  • This insurance gives coverage of pre-existing ailments in case of life threatening situations (as per terms and conditions)
  • Automated extension of policy in case of medical emergency and evacuation(up to 30 days) and delay of common carrier(upto 7 days) beyond policy expiry.
  • 24 hours emergency cashless services offered through emergency assistance service provider.

Reliance travel insurance plans details

  • Reliance individual travel insurance

    For Individuals aged 6 months - 70 years
    Coverage US Dollars Standard Silver Gold Platinum Deductible
    Medical Expenses including transportation and evacuation $50,000 $100,000 $250,000 $500,000 $50
    Dental Care Expenses $500 $500 $500 $500 $50
    Personal Accident $15,000 $20,000 $25,000 $30,000 Nil
    AD & D - Common Carrier $2,500 $2,500 $5,000 $5,000 Nil
    Daily Allowance in case of Hospitalization   $25 per day
    (5 days max)
    $25 per day
    (6 days max)
    $25 per day
    (7 days max)
    2 days
    Compassionate Visit Return Fare for any one accompanying person - spouse / child / family doctor Return Fare for any one accompanying person - spouse / child / family doctor Return Fare for any one accompanying person - spouse / child / family doctor Return Fare for any one accompanying person - spouse / child / family doctor  
    Loss of Passport $300 $300 $300 $300 $25
    Total Loss of Checked Baggage(Per baggage max 50% and per item in baggage max 10%) $500 $1,000 $1,200 $1,500 Nil
    Delay of Checked Baggage $100 $100 $100 $100 12 hours
    Trip Delay   $25 per day
    (6 days max)
    $50 per day
    (6 days max)
    $60 per day
    (6 days max)
    12 hours
    Trip Cancellation & Interruption   $600 $600 $600 Nil
    Missed Connection   $200 $300 $500 Nil
    Financial Emergency Assistance   $300 $300 $300 Nil
    Personal Liability $50,000 $100,000 $200,000 $250,000 Nil
    Hijack Distress Allowance   $50 per day
    (7 days max)
    $75 per day
    (7 days max)
    $125 per day
    (7 days max)
    12 hours
    Home Burglary Insurance
    (Amount in Indian Rs)
      1,00,000 2,00,000 3,00,000  
    Special Conditions (Applicable only for 61-70 years)
    Any One Illness $12,000 $13,500 $15,000 $17,500  
    Any One Accident $20,000 $25,000 $30,000 $35,000  
    Review Reliance overseas travel insurance benefits for senior citizens aged 70 years
  • Reliance Senior citizen travel insurance

    • Senior Citizen- 71-80 yrs - $15,000, $50,000 with sublimit and $50,000 without sublimit plan.
    • Senior Citizen- 81-90 yrs - $50,000 coverage.
  • Reliance family travel insurance

    For Family aged 6 months - 60 years
    Coverage US Dollars Family Standard Family Gold Deductibles
    Medical Expenses including transportation and evacuation $50,000 $100,000 $50
    Dental Care Expenses $500 $500 $50
    Personal Accident $15,000 $25,000 Nil
    AD & D - Common Carrier $2,500 $2,500 Nil
    Daily Allowance in case of Hospitalization $25 per day
    (5 days max)
    $25 per day
    (7 days max)
    2 days
    Compassionate Visit Return Fare for any one accompanying person - spouse / child / family doctor Return Fare for any one accompanying person - spouse / child / family doctor  
    Loss of Passport $300 $300 $25
    Total Loss of Checked Baggage(Per baggage max 50% and per item in baggage max 10%) $500 $1,000 Nil
    Delay of Checked Baggage $100 $100 12 hours
    Trip Delay $25 per day
    (5 days max)
    $50 per day
    (7 days max)
    12 hours
    Trip Cancellation & Interruption $500 $600 Nil
    Missed Connection   $300 Nil
    Financial Emergency Assistance $500 $600 Nil
    Personal Liability $100,000 $100,000 Nil
    Hijack Distress Allowance $50 per day
    (7 days max)
    $75 per day
    (7 days max)
    12 hours
    Home Burglary Insurance
    (Amount in Indian Rs)
    1,00,000 2,00,000  
  • Reliance travel Care insurance policy online

      Medical Expenses including transportation and evacuation
    The Company takes care of emergency medical expenses incurred by the Insured / Insured Person whilst abroad, for any sudden disease, illness, injury or death, with cashless facility. The Company will reimburse emergency expenses towards medical evacuation to India. It also covers the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one's untimely demise.
    Some of the exclusions include:
    • Medical treatment abroad being the sole or one of the reasons for temporary stay abroad
    • Treatment which could be delayed till return to India
    • Expenses in excess of reasonable and customary charges as per the determination by the EASP/Company.
    • Treatment of orthopedic, degenerative, oncological diseases, cancer, unless it is life threatening condition or acute pain
    • Expenses related to mental or psychiatric disorders and Cosmetic treatment or 'plastic' surgery in any form or manner.
    • Expenses incurred for rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.
    • Pregnancy, childbirth and related treatment or consequences thereof except in case of life threatening situation of the Insured or child.

      Dental Treatment
    • Expenses incurred on acute anaesthetic treatment of a natural tooth or teeth
    • The deductible will be applicable for each separate claim
    • However, dental care rendered necessary as a result of an accident shall be subject to the limit of cover and deductible

      Personal Accident
    • Provides compensation for accidental bodily injury
      • resulting in permanent disablement or death within 12 (twelve) calendar months of occurrence of such injury
      • solely & directly caused by accidental, violent, external & visible means
    • Compensation is limited to the Sum Insured as per the table of benefits
    • Compensation is payable only in Indian currency.
      Accidental Death & Dismemberment - Common Carrier
    • Covers injury sustained by Insured, which results in loss of life while riding as a passenger in any common carrier
    • This benefit shall not apply if the aircraft
      • is any civilian aircraft that does not hold a current & valid Airworthiness Certificate
      • is piloted by a person who then holds a current & valid certificate of competency

      Daily allowance in case of hospitalization
    • Provides for a daily allowance, in case of hospitalization for more than two consecutive days due to a disease / illness or injury sustained or contracted within the period of insurance while on the trip.
    • This benefit can be claimed only once during the Policy period

      Compassionate Visit
    In case the Insured / Insured Person is hospitalized for more than seven consecutive days. The company will reimburse the return fare for an immediate family member to visit the insured.

      Loss of Passport
    The Company will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss.
    Some of the exclusions include:
    • Loss of passport due to theft unless it has been reported to the police within 24 hours of knowing about the theft & a written police report is obtained and due to delay or confiscation or detention by the customs, police or public authorities.
    • Loss due to being left unattended or forgotten in a public place/transport, hotel or apartment

      Total Loss of Checked Baggage
    The Company shall compensate the Insured / Insured Person for the total loss of checked-in baggage on a trip by a common carrier.
    Some of the exclusions include:
    • Items that are not declared.
    • Loss due to complete / partial damage of the checked-in baggage.
    • Items contained within the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership.
    • Any checked-in baggage loss in India
    • Losses arising from any delay, detention, confiscation by customs officials or other public authorities.
    Compensation is based on the market value of checked-in baggage due to total & complete loss up to the limits, provided that:
    • Maximum amount payable per checked-in baggage, is 50 % of the SI. In case of only one bag being checked-in, the amount payable is 100% of the SI
    • The amount payable for any one article, pair/set is limited to the amount specified in the Schedule
    • Once the company has made any payment under this benefit any recovery from any common carrier shall become the property of the Company.
    • Total loss or damage of individual unit(s) of baggage shall not be construed as partial loss.

      Delay of Checked Baggage
    If the checked-in baggage is delayed for more than 12 hours, the Company shall reimburse the Insured / Insured Person expenses incurred for the purchase of toiletries, clothing and medication.
    Some of the exclusions include:
    • Valuables, money, securities, tickets & passes or any other item(s) not declared
    • Loss due to complete/partial damage of the checked-in baggage
    • Losses arising from any delay, detention, confiscation by customs officials or other public authorities
    • Items contained in the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership

      Trip Delay
    This benefit is payable also due to:
    • Termination of employment or layoff affecting the Insured or the Traveling Companion, provided that the he/she, has been employed with the employer for at least five continuous years
    • The Insured being abducted or quarantined
    • Delay by the common carrier
    • Lost or stolen passport, travel documents or money
    • The Insured or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, except where the Insured, any of his/her Family Member, the Traveling Companion or Traveling Companion's Family Member has been a principal or accessory in the commission of the felonious assault
    • A terrorist incident in a City/destination listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival

      Trip Cancellation & Interruption
    • Provides reimbursement for trips that are delayed or cancelled before the scheduled departure date due to
      • Unforeseen disease, illness, injury, death of the Insured /Traveling Companion/Family Member
      • Inclement weather conditions causing delay
      • Insured’s place of stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster
      • Termination of employment or layoff affecting the Insured or the Traveling Companion, provided that the he/she, has been employed with the employer for at least five continuous years
    • The Insured being abducted or quarantined
    • Delay by the common carrier
    • Lost or stolen passport, travel documents or money
    • The Insured or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, except where the Insured, any of his/her Family Member, the Traveling Companion or his Family Member has been a principal/accessory in the felonious assault
    • A terrorist incident in a destination listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival
    • In the event of Trip Interruption, provides reimbursement for additional transportation expenses incurred on the trip either to
      • Return to India; or
      • From the place that the Insured left the trip to the place that the Insured may re-join the trip
      • Additional transportation expenses incurred by the Insured to reach the original trip destination if the Insured is delayed, & leaves after the trip departure date

      Missed Connection
    Takes cover of expenses for cancellation or a delay of regular scheduled airline flights because of inclement weather, which will cover:
    • Additional transportation costs to join the trip
    • Reasonable accommodations and meals
    • Non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source.
    • The common carrier must certify the delay of the regular scheduled airline flight

      Personal Liability
    • This provides cover to the Insured if he /she becomes legally liable to a third party for causing death, injury or damage to the health of such third party or damage to his/her properties
    • The incident should have occurred during the period of insurance & whilst on a trip

      Financial Emergency Assistance
    • Provides financial assistance in the event of a financial emergency arising due to theft, mugging, robbery, dacoit of the funds, where the amount is limited to the Sum Insured
    • The Company shall have the sole discretion to determine whether a financial emergency has occurred in any instance

      Hijack Allowance
    • Provides an allowance in the event of hijack of a common carrier in which the Insured is traveling on a trip.
    • Deductible applicable for each separate claim & shall be of an amount as specified in the Schedule

      Home burglary insurance
    • Payment of compensation for any loss or damage sustained by the Insured due to burglary &/or attempted burglary, to the contents at Insured’s home in India on first loss basis while he / she is on the trip
    • Jewellery will be covered as part of contents up to 20% of the SI or actual whichever is less

  • How to buy Reliance overseas travel insurance

      Buy using credit/debit card
    Insurance customers can use a credit or debit card to purchase Reliance Overseas travel medical insurance policy. The credit/debit card purchase service online allows the customers to punch their card and quickly purchase Reliance overseas travel health insurance policy. After the completion of online transaction, customers will receive an email furnished with all the transaction details. Credit card and Debit card transaction can be done at any point of time when the customers wish to make a purchase.

      Buy using a cheque
    Reliance overseas travel medical insurance can be purchased online using your cheque. The cheque payment facility available for Reliance travel health insurance can be used by those customers who do not use their credit or debit card. The policy will be issued, emailed and couriered after receiving the payment for Reliance travel medical insurance plan.

Reliance travel health insurance - FAQ's

What is the maximum entry age for Reliance travel insurance?
Reliance travel Care insurance policy is available up to 80 years for Indian travelers visiting Schengen Countries. For Indian travelers visiting other countries, Reliance overseas travel insurance policy is available up to 90 years.
Travelers on their trip have to fill this traveler outside India form with the requested details and send it to us. We will try and get approval from the underwriting team for you to buy Reliance International travel insurance. It is however always recommended to buy insurance before leaving India.
Schengen visa consulate have made it mandatory for Indian visa applicants to buy travel insurance offering a minimum coverage of at least 30,000 Euros or $50,000 for medical expenses, evacuation expenses, and repatriation expenses. Reliance overseas travel insurance satisfies these requirements and is approved by VFS Global (who processes Schengen visa applications for most European consulates in India). Reliance travel Care insurance policy is available for Indian travelers up to 80 years.

Reliance insurance travel offers coverage for children aged above 6 months up to the age of 80 years. For travelers over 80 years, Reliance requests medical checkup before issuing the policy.

Yes, the applicants must buy Reliance Travel Care policy online before leaving India. If you are outside India, it will require special approval from the underwriting team for you to buy travel insurance.

Yes, Reliance insurance travel does provide cashless settlement worldwide provided the policy holder stays for a minimum of 24 hours in the hospital. For less than 24 hour hospitalization the medical expenses will be paid for on an reimbursement basis.

You can claim travel insurance by the following ways:
Planned hospitalization:
  • Call the relevant number specified in the policy and intimate the company or assistance service provider about the planned hospitalization.
  • The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
  • On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
  • If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder has planned to take the treatment.
  • This claim will be cashless after deductible as per policy terms and conditions.
Emergency hospitalization:
  • Call the relevant number specified in the policy and intimate the company or assistance service provider as early as possible.
  • The policy holder needs to furnish the required details and documents which the assistance service provider has asked for.
  • On receipt of the details the assistance service provider will go through the case. They might approve or decline the claim.
  • If the claim is approved then the assistance service provider will provide guarantee of payment to the hospital where the policy holder is taking treatment.
  • This claim will be cashless after deductible as per policy terms and conditions.
Reimbursement Claim:
  • Call the relevant number specified in the policy and intimate the company or assistance service provider either before visiting the doctor or immediately after visiting the doctor.
  • Pay from your pocket and claim for reimbursement later.
  • Register your claim.
  • As per the guidance of the claims department, submit all the relevant documents and medical bills to the specified address.
  • Verification and authentication of the submitted bills.
  • If your claim is approved, after deductible the eligible claim amount equivalent in Indian currency is reimbursed to the policy holder.
Deductible means the amount of expenses to be incurred by the Insured / Insured Person before any benefit under this Policy shall become payable and shall not be reimbursed by the insurance company. The deductible is $50 for travel policies with age less than 70 years and $100 for 70+ travel policies.
Yes, Reliance travel health insurance covers doctor visits, doctor prescribed tests and doctor prescribed pharmacy bills are also covered. The traveler has to bear the expenses from his pocket and later claim for reimbursement. Any out medical expenses above the deductible are payable as per terms and conditions of the policy.
Some of the general exclusions of Reliance overseas travel insurance which are not covered are as below.
  • Any claims before the insurance start date and after the insurance end date are not payable.
  • Any pre-existing condition unless it is life-saving emergency condition.
  • Traveling abroad only to take medical treatment or traveling against the advice of the physician.
  • Policy holder taking part in a naval, military or air force operation.
  • Any claim caused intentionally or by committing a crime or as a result of drunkenness or addiction (drugs, alcohol).
  • Any claim arising out of mental disorder, anxiety, stress, depression, HIV / AIDS
  • Any claim arising out of sporting activities.
  • Any act of terrorism, war and more.
Yes, you can renew the policy online at Reliance insurance online renewal

Reliance travel health insurance can be purchased initially for 182 days and later can be renewed for another 182 days provided good health, no claim declaration and approval from the Reliance head office.

Reliance international travel insurance is one of the more popular Indian overseas travel insurance policies among Indians. It is a top rated Indian travel insurance company that has been offering International travel services to Indians. It offers Global medical insurance coverage for emergency medical expenses arising from sickness or injuries from accidents while outside India. Travelers can enjoy the cashless hospitalization benefit and Reliance insurance has good claims settlement ratio.

After buying the Reliance overseas travel insurance policy online, an email of the policy document will be emailed to the email ID provided in the application. Travelers can use this Reliance travel health insurance document and take a printout of the same which has all the relevant details and is very useful document while abroad and if you need to use the travel insurance.

You can renew the Reliance policy online. Fill the relevant details of the current existing policy and claims information (if any)and submit the form online. Our insurance advisors will then try to get approval based on the filled details. The policy holder will be updated on the approval or rejection of the renewal request as early as possible (maximum 1 working day). if approved the policy holder will be sent a buy url where he / she can pay online and renew his policy.

Yes you can extend your travel insurance while being abroad. Fill the Reliance insurance policy renewal form so that our insurance advisors will help you to renew your policy.

Travel insurance from Reliance


Senior Citizen plan

Reliance senior citizen travel insurance can be obtained for $50,000 coverage without giving any medical reports.


Annual Multi Trip

Suitable for travellers who travel frequently for a shorter duration of 45 days multiple times within a year.


Travel Asia Insurance

Travel Asia Insurance is a special package devised for individuals travelling to Asia for a shorter duration of 30 days.


Schengen Visa

Reliance offer Europe travel insurance plans which are approved by VFS center.

Customers Testimonials

Reliance Citation

Mr. Arvind Naaz , Chief Marketing Officer - RGICL (Reliance General Insurance Co. Ltd) says NRIOL being a key partner has helped provide a quick, convenient & efficient service through portal to Reliance General Insurance customers.