Reliance Travel Insurance
Reliance travel medical insurance - Key features
- Plan life 6 months and renewable up to 6 months
- Coverage available up to the age of 90 years
- Covers declared non critical pre-existing illness/diseases under life threatening situations for travelers up to 70 years*.
*Terms and condition - Option of buying a Family Floater plan for travelers less than 60 years.
- Comprehensive plan (full $50,000 coverage) for senior citizens between 71-80 years.
- Covers hospitalization medical expenses and OPD/ doctor visits including pharmacy bills.
- Covers for Trip Cancellation, Missed connection, Baggage loss, passport loss, Home burglary and more.
Overview of Reliance Travel Insurance
Reliance Travel Insurance, Travel Care 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 insurance plan can be purchased online using your credit card, debit card or cheque.Reliance overseas travel medical insurance covers for the insured's unexpected medical and non-medical expenses. Travelers traveling overseas can purchase reliance 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 insurance, 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.
What is the maximum entry age for Reliance travel insurance?
Reliance travel insurance is available up to 80 years for Indian travelers visiting Schengen Countries. For Indian travelers visiting other countries, Reliance travel insurance is available up to 90 years.Can I buy Reliance travel insurance after starting the journey?
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.How much travel insurance do I need for Schengen visa?
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 travel insurance satisfies these requirements and is approved by VFS Global (who processes Schengen visa applications for most European consulates in India). Reliance travel insurance is available for Indian travelers up to 80 years.Who can buy Reliance travel insurance?
Reliance 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.Is it mandatory for the travelers to be in India while buying the policy?
Yes, the applicants must buy Reliance Travel Insurance before leaving India. If you are outside India, it will require special approval from the underwriting team for you to buy travel insurance.Does Reliance travel insurance have cashless settlement?
Yes, Reliance travel insurance 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.How do I claim Reliance travel insurance?
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.
- 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.
- 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.
Reliance Travel Insurance plans
Senior Citizen travel insurance
Senior travelers up to the age of 90 years can opt for Reliance travel insurance coverage
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Schengen travel insurance
Applying for Schengen visa? Then this Reliance travel insurance schengen is a good option to go for!
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Asia travel insurance
Buy Reliance Asia travel insurance for travelers going to Asian countries.
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Family travel insurance
Reliance international travel medical insurance India - Useful links
How to buy online?
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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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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Brochure
Reliance health insurance explore the world without worry!
Click here
Reliance travel insurance claim
In case of Claim or reimbursement of treatment expenses, notify Reliance travel insurance.
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Insurance FAQ
Get all the answers to the most frequently asked questions (FAQs) regarding overseas travel medical insurance offered by Reliance
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Reliance travel insurance renewal
Insurance customers can renew their existing policy online before the exipry date at any time.
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Travel without sublimits
Indian travel insurance plan from Reliance which offers coverage without sub-limits
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Pre-existing condition insurance
Reliance Indian travel medical insurance coverage for pre-existing conditions
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Europe
USA
Australia
United Kingdom
Europe
Schengen Visa Travel Insurance Plans
People who require Travel medical insurance for Schengen Visa from India can buy these Reliance plans offering coverage as mandated by the consulates.
Travelers aged 6 months - 80 years are eligible to buy these plans:
Basic Plan - 70 years: €30,000 maximum coverage
Standard Plan: €50,000 maximum coverage.
Benefits of Reliance insurance plans
- Key Advantages
- Senior Travel
- Individual Travel
- Family Travel
- Policy Coverage
- How to Buy?
- 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.
- 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.
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 | |
- Benefit for above aged 70 years click here
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 |
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 VisitIn 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 PassportThe 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 BaggageThe 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.
- 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 BaggageIf 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 ConnectionTakes 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
Buy using credit/debit cardInsurance 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 chequeReliance 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.
