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What is the benefit of taking a Travel insurance policy?
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International Travel Insurance is a type of insurance that provides you medical, financial and other assistance in case of any emergency or untoward circumstances while traveling outside the country
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What benefit will I get from this insurance in case of a medical emergency?
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While you are travelling and in case you are hospitalised, or you need any kind of medical aid; examination by a physician, therapies or diagnostic tests, this cover will assist you through cashless service or reimburse the expenses up to the maximum amount mentioned in your policy.
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What kinds of risks are covered under travel insurance policy?
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International Travel Insurance is a type of insurance that provides you medical, financial and other assistance in case of any emergency or untoward circumstances while traveling outside the country.
Any basic travel insurance policy will cover you for:
- Emergency medical assistance
- Baggage insurance
- Personal accident
Apart from these, you could opt for covers like:
- Dental treatment
- Financial emergency
- Compassionate visit
- Sponsor protection
- Trip delay, cancellation and interruption
- Loss of passport
- Home burglary insurance
- Personal liability, etc
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Is travel insurance mandatory?
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Travel Insurance is not mandatory in India. However it is mandatory in United Kingdom and countries like:
Travel Insurance is not mandatory in India. However it is mandatory in United Kingdom and countries like:
- Austria
- Greece
- Portugal
- Spain
- France
- Germany
- Belgium
- Luxemburg
- Netherlands
However to enjoy a hassle free trip, it is recommendable that you take a travel insurance policy even if you are traveling to countries apart from these.
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What is a deductible? Why is this necessary?
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Deductible also referred to as excess is the portion of any claim; as a period of time for which the company will not pay any benefit or as a percentage of the sum insured or a fixed amount that is not covered by the insurance policy. It is mutually agreed and is mentioned in the policy schedule to the Insurance Policy.
A deductible is important as makes the insured a co-owner of the policy by taking up a certain portion of the loss himself/ herself.
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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?
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TReliance General Insurance offers policies for children aged 6 months and above and to individuals up to 70 years. However if the insured is above 70 years then a medical check up is required.
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What liabilities/ risks does a Travel policy protect an individual from?
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A travel policy covers an individual from risks / liabilities like:
- Medical expenses
- Emergency medical evacuation / repatriation of mortal remains
- Dental treatment
- Loss of passport
- Total loss of checked in baggage
- Delay of checked baggage
- Personal accident
- Accidental death & dismemberment - common carrier
- Personal liability
- Daily allowance in case of hospitalisation
- Financial emergency assistance
- Hijack distress allowance
- Trip delay
- Trip cancellation and interruption
- Missed connections
- Compassionate visit
- Home burglary insurance
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What liabilities/ risks do a Travel policy protects a student from?
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Our travel policy will cover you from any
- Medical expenses
- Emergency medical evacuation / repatriation of mortal remains
- Dental treatment
- Loss of passport
- Total loss of checked in baggage
- Personal accident
- Accidental death & dismemberment - common carrier
- Personal liability
- Two-way compassionate visit
- Bail bond
- Study interruption
- Sponsor protection
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How do I decide the amount of insurance I require while travelling or does the insurance company decide it?
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You can decide the amount of insurance based on your financial needs.
You can choose a plan based on the number of travel days, amount of premium you want to pay and the amount and type of risks you want to be covered for.
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What is the paperwork in need for buying a travel policy?
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To take a travel insurance policy through us all you have to do is submit a duly filled proposal form along with the premium cheque.
Only in the case where a senior citizen between ages 60-70 years plans to take an insurance policy will we require him to undergo a medical test and submit the medical report.
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In which countries are the International travel policies recognized / accepted?
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The travel policies are recognized and accepted all over the globe. For your assistance we have International presence through the service provider. However Reliance general Insurance has special travel insurance plans depending on where you are travelling.
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Can I buy insurance if I am going on a work permit abroad?
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Reliance General Insurance has a special policy called the Pravasi Bhartiya Yojana Policy, covering individuals travelling under a work permit.
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Can the existing International travel policy be extended to cover domestic travel as well?
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An international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover your for the relevant benefits while you are travelling within the country.
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Does the policy cover for dental treatment?
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The policy covers you for dental treatment. The Company shall pay or reimburse to you expenses incurred on acute anaesthetic treatment of a natural tooth or teeth.
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How will my policy help me, in case I lose my passport?
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In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred including travel that you may incur in obtaining a duplicate or fresh passport.
However the policy would not cover you in if your passport
- Is confiscated or detained by customs, police or police authorities
- Has been robbed and the same has not been reported to the local police within 24 hours and a written police report is obtained
Is lost on account of it being left unattended or forgotten in a public place or transport, hotel, apartment or a private place or vehicle.
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What will happen if my baggage does not clear in time? Will my policy help me in any way?
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The policy provides a reimbursement for the delay in transportation of checked-in baggage beyond 12 hours across all travel destinations that are mentioned in your ticket including all halts.
This cover for delay will not be available for:
- Loss of property unless a Property Irregularity Report or other report issued by carriers is procured and submitted
- Partial loss of the items contained in the checked-in baggage
- Items contained in the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership
- Valuables, money, securities, tickets and passes or any other item(s) not declared
- Losses arising from any delay, detention, confiscation by customs officials or other public authorities
- Loss due to complete/partial damage of the checked-in baggage
- Checked-in baggage delay on the inbound sector to India
- This amount will be up to a maximum, as mentioned in your policy.
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What if a Hand Bag is lost while travelling by airline, will it be covered?
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The loss of handbag is not covered. The Policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/ insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.
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Will the Policy cover the expenses towards new passport incurred in India?
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The Policy would pay the necessary expenses incurred in obtaining a duplicate or fresh passport after coming to India. However this will be up to the maximum sum insured mentioned in your policy.
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How am I covered in case I meet with an accident and suffer injuries / any loss?
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The travel policy covers will compensate you for any unfortunate outcomes/ losses of an accident that takes place during your travel. This compensation is different for various losses and is limited to the sum insured as mentioned in the plan.
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