Sub limit details are as follows:
Sublimits are applicable for age 61 and above. However this sublimits are waived off / not applicable for travelers who buy a Explore Platinum plan.
| Medical Expense |
Sub-limit |
| Room Rent including boarding and lodging |
1.5% of the sum insured subject to maximum of US $ 2,000 per day / € 1,500 per day |
| ICU Charges |
2% of the sum insured subject to a maximum of US $ 3,000 per day / € 2,250 per day |
Operation Theatre Charges
(Including surgeon charges) |
10% of the sum insured subject to a maximum of US $ 20,000 per claim / € 15,000 per claim |
| Ambulance Services |
US $ 500 per claim / €375 per claim |
| Diagnostics and Radiology Services |
US $ 1,000 per claim / €750 per claim |
| Medical Practitioners visit fees |
US $ 100, per visit / € 75 per visit subject to maximum of 10 visits per claim |
| Miscellaneous Expenses |
US $ 1,000 per claim / € 750 per claim |
For the purpose of application of the above limits:
(i) Surgery includes operation theatre charges, surgeon fees, implant charges and all other associated charges.
(ii) Ambulance Services include cost of transportation of the Insured Person to the nearest Hospital and paramedic services.
(iii) Miscellaneous Expenses includes but not limited to the cost of medicines, pharmacy or drugs supplies, nursing charges, external medical appliances as prescribed by a registered Medical Practitioner as necessary and essential as part of the treatment on actuals, blood storage and processing charges and any other services which are not specified above.
Religare Travel Insurance Plans - FAQ's
Is Religare travel insurance a cashless travel health insurance?
After specified deductible, Religare overseas health insurance is cashless for medical expenses more than 24 hour stay in the hospital. Any medical claim which are less than 24 hours are reimbursement basis..
Does Religare travel health insurance cover outpatient medical expenses?
Yes Religare 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.
How do I claim if I want to use the policy for medical expenses?
For hospitalization medical expenses claims notify Religare health insurance immediately service provider Falck Global Assistance (24 hours assistance center) on the below numbers
In case of reimbursement of treatment expenses, contact Religare Health Insurance Company Limited, Vipul Tech Square, Tower C, 3rd Floor, Sector – 43,Golf Course Road, Gurgaon – 122009
How do I use the insurance if I fall sick during my overseas trip?
The Medical Cover component of your Religare 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).
How does this policy cater to medical evacuation should the need arise during my travel abroad?
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.
Does the policy provide any coverage should the vehicle that the insured is traveling in has an accident?
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.
Does the insurance cover the insured if the aircraft that he/she is flying in is involved in an mishap?
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.
What dental coverage does the policy provide?
Dental Expenses:
incurred in connection with any injury while on your trip are covered by the policy.
