Reliance Travel Insurance, Reliance Travel Care Insurance Policy

Reliance travel insurance plans details, Reliance travel insurance online benefits

• 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 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 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.