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How does one get the policy cancelled?
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To cancel your policy all you have to do is submit a letter at any of our branch offices. Once we receive a written request from you your policy will be cancelled in a days' time.
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How does Reliance General Insurance settle its claims?
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We have appointed International SOS to facilitate claims service for our customers. Since they have worldwide presence, you will receive prompt service and your claims would settle quickly.
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Does a claim have to be lodged or made in a specific time frame from the time of the accident?
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It is recommended that you intimate your claim to ISOS as soon as you can.
It is important that you intimate us maximum within 30 days of any incident. Followed by the intimation you need to submit complete written proof of loss along with the signed claim form to us within maximum 30 days from the date of losss
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Is FIR required on occurrence of an accident?
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A FIR (First Information Report) is required in cases of:
- Loss of passport
- Claim under Home burglary insurance
- Bail Bond
- Accidental Claims under Personal accident section
- Personal liability
- Financial emergency
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If there is no Hospital of International SOS where I stay will there still be cashless settlement?
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You could get admitted to any registered hospital. If the claim amount is small we would advice you to pay it yourself and take a reimbursement when you comeback to India. However in case you do require it, you can request ISOS and they would provide you with the cashless facility.
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Is pregnancy or disease/complication arising out of pregnancy covered?
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Pregnancy is excluded under the Policy. However if any medical assistance is required to save the insured person's or the child's life then on the advice of the ISOS the policy may cover you for hospitalisation charges
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Do I need to pay the doctor/hospital/service provider or will they bill the Reliance General Insurance?
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In case of OPD (Out Patient department) treatment you will make the payment and then claim reimbursement for it from us.
In case of hospitalization we will settle the bills directly with the doctor/hospital/service provider provided the claim is notified to ISOS and cashless facility is approved.
If cashless is not approved you will have to make a payment yourself and claim reimbursement after submitting necessary documents.
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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?
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The policy will cover you. If you sustain any disease/ illness / injury on the last day of your policy then please inform ISOS immediately. In such cases it is important that we get a clearance from ISOS that the insured is unfit to return to India
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If a loss sustained during the Policy period in abroad results in death or disability after coming to India. Will this be covered?
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If you sustain a loss during the policy due to any insured peril resulting in an unfortunate death or disablement within 12 months from the date of the company shall process the claim as per terms and conditions of the policy in favor of beneficiary / nominee mentioned in the policy.
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How long does it take to settle a claim?
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Once the company receives all complete written proof of loss along with the signed claim form; they will process the claim within 7 working days.
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