Care Travel Insurance FAQ's

Care Travel Insurance FAQ's

• What is the maximum duration Care travel health insurance be purchased?

  Care travel insurance can be initially purchased for 180 days and can be renewed for another 180 days with good health and no claim declaration.

  I am traveling to UK and Schengen countries? Which plan should I buy which will cover both the countries?

  If you are traveling to UK and Schengen countries, you can buy the Care Explore Europe plan.

  Can Care travel insurance be renewed online?

  Care travel insurance can be renewed online at Once the renewal form is filled and submitted. The filled form will be sent for approval to the Care head office and the customer will be updated regarding the approval to renew the policy or rejection of renewal. If the renewal is approved, the policy holder will be intimated along with the renewal premium via email. The customer pays the renewal premium online and the renewed policy is sent to the customer.

  What are the plans which covers pre-existing medical conditions?

  Care travel insurance plans cover pre-existing medical conditions up to 10% of sum insured in case of life threatening conditions. Explore Asia plan, Explore Canada plan, Explore Africa plan, Explore Europe plan, Explore worldwide plan Explore worldwide excluding USA and Canada cover pre-existing medical conditions.

  What is the maximum coverage that Care travel health insurance offers for a traveler with pre-existing disease?

  Care travel health insurance covers life threatening conditions for declared pre-existing medical conditions up to 10% of sum insured or policy medical maximum.

  How do I claim if I want to use the policy for medical expenses?

  For hospitalization medical expenses claims notify Care health insurance immediately service provider Falck Global Assistance (24 hours assistance center) on the below numbers
  USA & Canada: +1-844-3013135 / +1-844-3013146 ( Toll Free)
  Rest of the world: +91-124-4498760 (Call Back Facility)
  Email: travelassistance@religare.com
  
  In case of reimbursement of treatment expenses, contact Care Health Insurance Company Limited, Vipul Tech Square, Tower C, 3rd Floor, Sector – 43,Golf Course Road, Gurgaon – 122009
  India: 1800-200-4488 (Toll Free & Accessible in India only)
  Email: travelassistance@religare.com

  Can I buy Care travel insurance for my parents after they have left India?

  No. Care travel insurance has to purchase before the travelers depart India.

  I am traveling to only to Canada. Which plan is best for me?

  Care has designed an unique plan Explore Canada plan for people traveling to Canada. This plan works out to be cheaper than the conventional worldwide plan. The plan also provides insurance cover for people traveling to different countries other than USA. For example if a traveler is traveling to UK and Canada, they can purchase this plan.

  Does Care travel health insurance cover outpatient medical expenses?

  Yes Care 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.

  Does Care overseas travel insurance has any coverage restrictions for senior citizens?

  Yes, senior citizens who are 60+ years and traveling overseas, there are medical restrictions or medical sub limits on the policy coverage. However these medical sub limits can be waived off by paying extra premium and get a comprehensive coverage plan. Platinum plan is a comprehensive plan.

  Does Care overseas travel insurance offer cashless claims settlement?

  Yes, after specified deductible, hospitalization medical expenses more than 24 hours is cashless while outpatient medical expenses are reimbursement basis.

  What are the exclusions of Care travel insurance?

  Some of the exclusions of Care travel insurance are as below

  1. Degenerative or oncological (Cancer) diseases.
  2. Any treatment of orthopedic diseases or conditions except for fractures, dislocations and / or injuries suffered during the period of insurance.
  3. Treatment of any Congenital Anomaly or illness or defects or anomalies or treatment relating to birth defects.
  4. Hormone replacement therapy.
  5. Any cost arising due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations.
  6. Traveling overseas for treatment purpose, self-injury and other general exclusions.
• How do I use the insurance if I fall sick during my overseas trip?

  The Medical Cover component of your Care 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.

• Does the policy cover trip cancellation?

  Financial loss incurred due to Trip Cancellation & Interruption are
  covered if the cancellation of the trip is caused by an unforeseen event arising due to specified manmade or natural conditions.

  Will a flight delay be covered?

  Trip Delay
  expenses are covered if the delay in your departure is beyond 12 consecutive hours and is due to a list of clearly specified reasons/issues.

  Would any delay in Checked-in Baggage or loss of baggage be covered?

  Loss of Checked-in Baggage: Covers expenses for your checked-in baggage lost while in custody of the Common Carrier (airlines).
  Delay of Checked-in Baggage: Covers expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.

  Is there any coverage for losing the passport?

  Loss of Passport:
  Covers expenses for the issue of a new or duplicate passport.

  Does this insurance provide any liability cover?

  Personal Liability:
  Covers expenses against legal liability for bodily injury or property damage that occurred accidentally to third parties during your trip.

• Does the policy provide for expenses incurred while looking after the insured in hospital?

  Daily Allowance in case of Hospitalization clauses ensures
  payment of a specified amount per day of stay at the hospital to meet numerous allied expenses such as attendant’s meals, transportation and communication incurred but not covered under your Policy.

  Does the policy pay for the compassionate visit by family member if insured is hospitalized?

  Two-way Compassionate Visit:
  Covers transportation expenses for one immediate family member to travel to the insured’s current location.

  Does the policy cover up-gradation of travel due to injury?

  Up-gradation To Business Class:
  Compensates for up-gradation to business class for return air travel, in case of hospitalization for over five consecutive days, due to injury sustained during the insureds travel

  Can a dependent return to India if the adult is unable to travel, will the policy cover this situation?

  Return of Minor Child:
  Covers the return cost of a minor child to your home location, in case the insured adult is hospitalized and is travelling alone with your child/children.

• What options are available for business travelers who travel overseas often?

  Care offers two options to choose from –

  • Multi Trip with maximum 45 days per trip
  • Multi Trip with maximum 60 days per trip

  Choose your policy duration as per your needs In case of single trip, you can opt for a policy period up to a maximum of 365 days or maximum trip duration as specified under each plan.

  Can the insured provide a reimbursement if the overseas travel is cut short?

  Yes, we do provide a reimbursement in that situation.

  • The policy can be cancelled and premium will be refunded if the difference between the date of arrival of insured and end date of policy is 15 days or more. (a cancellation charge of Rs300 would be deducted)
  • No cancellation will be allowed if a Claim is filed on the policy.

  Does the policy have a free look period?

  Only in the case of a 1 year policy, there is a 15 day free look period. If you change your period during this period, you can cancel the policy.