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Religare Explore Europe Travel insurance

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Religare travel insurance for Indian tourists in Europe

Europe comprising of Schengen countries and other non-Schengen countries like UK/England, Ireland, Russia, Croatia, Israel, Turkey is one of the most visited continents by Indian tourists. This is because with a single Schengen visa allows Indians to visit any of the 26 Schengen countries. The visa application process is quite simple and easy making it more ideal for Indians to visit Europe. Be aware of the high health care cost in Europe which is sophisticated but expensive. Indians should have proper overseas travel medical insurance to visit Europe, without which it can lead to financial troubles in clearing the medical bills.

Travelling abroad may also involve other risks like the loss of baggage, loss of passport, trip interruption, trip delay which may result in severe expenses in European countries. With Religare Explore Europe Insurance, that is approved by VFS global most of these expenses are covered and the Indian travelers can enjoy the European visit without worrying about any such risks.

Religare Travel insurance extension/renewal while outside India

Indian overseas travelers who are stranded outside India due to coronavirus and are unable to travel back want to extend or renew Religare travel insurance online. These travelers can complete the Religare international travel insurance renewal request form online and we will try to get an approval for you.

Covid 19 Religare travel insurance for Coronavirus

The Religare travel insurance now offers coverage for medical expenses related to COVID-19. The Religare covid travel insurance coverage for all travellers is available up to the limits mentioned in the policy schedule when the insured is outside the Republic of India. The Religare coronavirus travel insurance coverage in the policy is subject to policy terms & conditions.

Religare overseas travel insurance India - Useful links

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How to buy Religare overseas travel insurance?

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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Already outside India
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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Religare travel insurance renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

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Religare travel without sublimits
Religare travel medical insurance without sublimits

Religare visitor medical insurance plan without sub-limits

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Popular tourist destinations in Europe

paris
Paris

Paris is a major European city and a global center for art, fashion, gastronomy and culture.

Italy
Italy

Italy, a European country with a long Mediterranean coastline, has left a powerful mark on Western culture and cuisine.

Greece
Greece

Greece is a country in southeastern Europe with thousands of islands throughout the Aegean and Ionian seas.

Switzerland
Switzerland

South Africa is a country on the southernmost tip of the African continent, marked by several distinct ecosystems.

Religare Explore Europe travel insurance - Details, Benefits & Reviews

  • Benefit Table
  • Policy Coverage
  • Pre-existing conditions
  • Claims process
  • FAQ's
  • Exclusions
Explore Europe Explore Gold Explore Platinum
Geographical scope
Europe Worldwide / Worldwide excluding US and Canada Worldwide / Worldwide excluding US and Canada
sum insured
€ 30,000 & € 100,000 USD 50,000, USD 100,000, USD 300,000 & USD 500,000 USD 50,000, USD 100,000, USD 300,000 & USD 500,000
Hospitalization expenses
Yes Yes Yes
In-patient Care  Deductible: US $100 / € 75
Up to sum insured Up to sum insured Up to sum insured
Pre-existing diseases (Life Threatening Condition)  Deductible: US $100 / € 75
10% of sum insured 10% of sum insured 10% of sum insured
Additional sum insured for Accidental Hospitalization  Deductible: US $100 / € 75
Yes, up to 100% sum insured Yes, up to 100% sum insured Yes, up to 100% sum insured
Out-patient care  Deductible: US $100 / € 75
€ 30,000 USD 50,000 USD 50,000
Daily Allowance  Deductible: 2 days
US $25 per day, max 5 days US $25 per day, max 5 days US $25 per day, max 5 days
Compassionate Visit
- - US $5,000
Return of Minor Child
- - US $2,000
Upgradation to Business Class
€ 750 US $1,000 US $1,000
Dental Expenses  Deductible: US $100 / € 75
€ 300 US $300 US $300
Personal Accident
€ 10,000 US $15,000 US $15,000
Common Carrier Accidental Death
- - US $5,000
Medical Evacuation
€ 30,000 US $50,000 US $50,000
Repatriation of Mortal Remains
€ 30,000 US $50,000 US $50,000
Trip Cancellation and Interruption
€ 750 US $1,000 US $1,000
Trip Delay  Time delay: 12 hours
€ 300 US $500 US $500
Loss of Checked-in-Baggage
€ 100 US $100 US $100
Delay of Checked-in-Baggage  Time delay: 12 hours
€ 100 US $100 US $100
Loss of Passport
€ 250 US $300 US $300
Personal Liability  Deductible: US $100 / € 75
€ 75,000 US $100,000 US $100,000

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.
medical insurance

Coverage for medical needs

  • Hospitalisation Cover - In-patient & Out-patient
  • Pre-Existing Disease Coverage
  • Double Sum Insured for Accidental Hospitalization
  • Treatment in Home Country
  • Medical Evacuation
  • Common Carrier Accidental Death
  • Dental Expenses
  • Daily Allowance for Hospitalization
  • 2-way Compassionate Visit
  • Accidental Death/Permanent Total Disability


non medical

Coverage for non-medical needs

  • Trip Delay, Cancellation or Interruption
  • Loss/Delay of Checked-In baggage
  • Loss of Passport
  • Personal Liability
  • Return of Minor Child
  • Up-gradation To Business Class

Pre-existing conditions coverage

  • Under life threatening situations, Religare covers medical expenses for pre-existing diseases up to 10% of sum insured.
  • Only declared pre-existing diseases are covered
  • Covers critical diseases like Liver disease, Cancer / Tumor, Coronary Artery Heart Disease, Kidney Disease, Paralysis / Stroke
  • It is cashless if hospitalization is more than 24 hours
  • Reimbursement if hospitalization is less than 24 hours

Religare Explore Europe travel insurance claims procedure

In case of Claim, notify Religare health insurance immediately on any of the below touch-points for hassle free processing and speedy settlements.

Falck Global Assistance (24 hours assistance centre)
    • USA & Canada: +1 844 301 3135 / +1 844 301 3146 ( Toll Free)
    • Rest of the world: +91-124-4498760 (Call Back Facility)
  • Email: travelassistance@religare.com
  • Fax: +91- 124- 4006674
In case of reimbursement of treatment expenses, reach Religare health insurance at the below touch points

Religare Health Insurance Company Limited GYS Global, Plot No. A3, A4, A5, Sector - 125, Noida, U.P. - 201301
  • India: 1800 200 4488 (Toll Free & Accessible in India only)
  • Email: travelclaims@religare.com
  • Fax: 1800 200 6677
Be it Cashless settlement or reimbursement of medical expenses, Religare Health Insurance Company delivers its promise of worry free experience!
NRI Online Pvt Ltd markets Religare Health Insurance company's various insurance products. However NRI Online Pvt Ltd is not responsible for any claims. Claims are settled directly by Religare Health Insurance Company Limited.

Religare Travel Insurance Plans - FAQ's

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.


How can I renew my Religare travel policy? How do I extend my Religare travel insurance?

You can renew the Religare 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.


Can I extend my Religare travel insurance while abroad?

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

Below 70 year old Travel policies can initially be purchased for 6 months and can be renewed for another 6 months provided that the policy holder is in good health, no claims on the existing policy and the policy has not expired. If the policy has expired or has any claims then renewal is based on approval from the insurance head office.

However for 70+ travel policies the sum total number of policy days included subsequent renewals cannot exceed 180 days.

Religare Explore Europe insurance - Exclusions

  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
  • War and Nuclear perils or consequences thereof.
  • Ionising Radiation or contamination arising out of the same.
  • Any intentional self-injury, suicide or attempted suicide.
  • Any claim relating to hazardous activities.
  • The insured being involved in Breach of taw.
  • HIV/AIDS.

How is Religare travel insurance? Is Religare travel insurance good?

Religare overseas travel insurance is quite popular among Indian tourists going abroad. Religare travel insurance is one of the top rated insurance providers in India, and it offers Custom designed plans for different destinations therefore it is one of the best Indian travel insurance products available. Religare travel insurance provides comprehensive coverage for hospitalization medical expenses and outpatient care. It also offers coverage for declared pre-existing conditions.

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