Reliance 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 individual travel insurance

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

Reliance family travel insurance

Reliance travel insurance policy online

• 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.

• 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

• 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.

• 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

• 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

• 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

• 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.

• 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.

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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