Reliance Travel Insurance - Frequently Asked Questions

• What is the benefit of taking a Travel insurance policy?
• What benefit will I get from this insurance in case of a medical emergency?
• What kinds of risks are covered under travel insurance policy?
• Is travel insurance mandatory?
• What is a deductible? Why is this necessary?
• What is the age criterion I have to fulfil to be covered under your International travel policy? Or what is the maximum age for which you issue a policy?
• What is the paperwork in need for buying a travel policy?
• In which countries are the International travel policies recognized / accepted?
• Can I buy insurance if I am going on a work permit abroad?
• Can the existing International travel policy be extended to cover domestic travel as well?
• Does the policy cover for dental treatment?
• How will my policy help me, in case I lose my passport?
• What will happen if my baggage does not clear in time? Will my policy help me in any way?
• What if a Hand Bag is lost while travelling by airline, will it be covered?
• Will the Policy cover the expenses towards new passport incurred in India?
• How am I covered in case I meet with an accident and suffer injuries / any loss?
• If I suffer any loss while travelling by railway/ ship in a foreign country does my International travel policy help me in any way?
• If I hire a car when travelling and meet with an accident will the policy cover me?
• In case I fall sick and need hospitalisation, will the policy cover me for all my expenses?
• In case I am short of cash, can I avail of Financial Emergency assistance?
• What will happen in case the flight is hijacked?
• What happens if the flight is delayed?
• My entire family is travelling with me for 2 months. My house is going to be locked. In case there is a robbery/ theft or fire will the policy reimburse us?
• I am a student? If I fall sick and have to repeat a semester will my policy help me in any way?
• Is a student covered for delay in exams?
• When is it beneficial to buy a corporate plan rather than buying individual travel plans?
• Under corporate travel policies, can one choose to cover only certain employees or is it compulsory insuring all our employees?
• What documents will the company have to submit to purchase a corporate travel plan?
• If we add/ delete/substitute a member to an already existing corporate/ group what is the implication on premium?
• Can stand-alone policies of the company executives become part of corporate plan?
• Are there any group discounts available?
• How does one get the policy cancelled?
• How does Reliance General Insurance settle its claims?
• Does a claim have to be lodged or made in a specific time frame from the time of the accident?
• Is FIR required on occurrence of an accident?
• If there is no Hospital of International SOS where I stay will there still be cashless settlement?
• Is pregnancy or disease/complication arising out of pregnancy covered?
• Do I need to pay the doctor/hospital/service provider or will they bill the Reliance General Insurance?
• If I sustain a loss on the last day of the Policy and continue treatment in abroad will the Policy be automatically extended to cover the loss?
• If a loss sustained during the Policy period in abroad results in death or disability after coming to India. Will this be covered?
• How long does it take to settle a claim?

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