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Every day, thousands of Indians are crossing new frontiers and taking up new challenges in different parts of the world, they would be in dire need of a security blanket to keep them safe from any possible peril. Reliance Travel Care ensures this and more through its extensive covers and benefits so that they can be adequately protected at all times.
Key Advantages
- Custom made Plans (Standard, Plus, Elite) available to choose from depending on your travel requirements.
- Option of an annual Plan covering multiple trips to benefit Frequent Travellers.
- Per-day Basis coverage for short term trips.
- Comprehensive coverage through various unique benefits like Compassionate Visit, Home Burglary Insurance, Financial Emergency Assistance etc.
- Coverage of Pre-existing Ailments and Maternity - in case of life threatening situations.
- Coverage available for sportspersons and trips involving winter/adventurous sports (subject to prior declaration, premium loading and underwriting approval).
- Automated extensions of Policy in case of medical emergency and evacuation (upto 30 days) and delay of common carrier (upto 7 days) beyond Policy expiry.
- 24 hour emergency services and Cashless services through Emergency - Assistance Service Provider.
Coverages include:
- Medical Expenses including transportation and evacuation
The Company takes care of emergency medical expenses incurred by the Insured / Insured Person whilst abroad, for any sudden disease, illness, injury or death, with cashless facility. The Company will reimburse emergency expenses towards medical evacuation to India. It also covers the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one's untimely demise.
- Dental Care Expenses
The Company covers dental expenses incurred by the Insured / Insured Person for any acute anesthetic treatment of a natural tooth or teeth during a trip due to an injury but not exceeding the Sum Insured as specified in the Schedule to the Policy.
- Personal Accident
The Company shall pay compensation if the Insured / Insured Person unfortunately sustain accidental bodily injury during the trip.
- Accidental Death & Dismemberment - Common Carrier
The Company shall pay compensation for injury sustained by Insured, which results in loss of life or permanent disability while riding as a passenger in any common carrier.
- Daily allowance in case of hospitalization
If the Insured / Insured Person is hospitalized for more than 2 days, The company provides daily allowance as compensation
- Compassionate Visit
In case the Insured / Insured Person is hospitalized for more than seven consecutive days. The company will reimburse the return fare for an immediate family member to visit the insured.
- Loss of Passport
The Company will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss
- Total Loss of Checked Baggage
The Company shall compensate the Insured / Insured Person for the total loss of checked-in baggage on a trip by a common carrier.
- Delay of Checked Baggage
If the checked-in baggage is delayed for more than 12 hours, the Company shall reimburse the Insured / Insured Person expenses incurred for the purchase of toiletries, clothing and medication.
- Trip Delay
Reasonable additional expenses incurred to be reimbursed if the trip is delayed for more than twelve hours from the scheduled time.
- Trip Cancellation & Interruption
If the trip is cancelled or interrupted due to any medical emergency, personal employment problems or natural disaster. The Company will take care of any non-refundable prepaid payments or additional expenses.
- Missed Connection
If the Insured Person misses his/her connecting flight due to its delay in arrival by more than 3 hours, the Company provides compensation for the additional expenses incurred.
- Personal Liability
The Company offers compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the Insured / Insured Person abroad.
- Financial Emergency Assistance
The Company provides financial assistance in the event of a financial emergency arising due to theft
- Hijack Allowance
The Company provides an allowance in the event of hijack of a common carrier for more than 12 hours in which the Insured is traveling on a trip.
- Home burglary insurance
The Company provides compensation against any loss or damage caused by burglary of the contents of Insured / Insured Person home in India, while he / she is on a trip abroad.
| Coverage |
Corporate Elite |
Corporate Plus |
Corporate Standard |
Deductibles |
| Medical Expenses including Transportation and Evacuation |
500,000 |
250,000 |
100,000 |
50 |
| Dental Care Expenses |
500 |
500 |
500 |
50 |
| Personal Accident |
30000 |
25000 |
20000 |
|
| AD & D Common Carrier |
5000 |
5000 |
2500 |
|
| Daily Allowance in case of Hospitalization |
25 per day
(7 days max) |
25 per day
(6 days max) |
25 per day
(5 days max) |
2 days |
| Compassionate Visit |
Return Fare for any one accompanying person-spouse/child /family doctor |
Return Fare for any one accompanying person-spouse/child /family doctor |
Return Fare for any one accompanying person |
|
| Loss of Passport |
300 |
300 |
300 |
25 |
| Total Loss of Checked Baggage* |
1500 |
1000 |
500 |
|
| Delay of Checked Baggage |
125 |
125 |
100 |
12 hours |
| Trip Delay |
60 per day
(6 days max) |
50 per day
(6 days max) |
30 per day
(6 days max) |
12 hours |
| Trip Cancellation & Interruption |
1250 |
1000 |
750 |
|
| Missed Connection |
500 |
300 |
|
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| Personal Liability |
250000 |
200000 |
100000 |
|
| Hijack Distress Allowance |
125 per day
(7 days max) |
75 per day
(7 days max) |
60 per day
(7 days max) |
12 hours |
| Financial Emergency Assistance |
1000 |
1000 |
500 |
|
| Home Burglary Insurance (in Indian Rs) |
200000 |
200000 |
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Exclusions under the Policy
Some of the major exclusions under the Policy that the Insured / Insured Person should know are as follows:
- Medical expenses towards treatment of any pre-existing illness (unless of life threatening nature), pregnancy or complications related to the same (unless of life threatening nature), suicide, self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcohol/drug abuse, dangerous sports, HIV/AIDS etc will not be payable
- No claim will be paid if the Insured / Insured Person
- Is traveling against the advice of a Physician
- Is receiving or on a waiting list for specified medical treatment declared in the Physician's report or certificate
- Is traveling for the purpose of obtaining treatment
- Has received a terminal prognosis for a medical condition
- Theft or loss of passport when left unattended or not informed to Police authorities.
- In case of loss of checked baggage, no partial loss or damage shall become payable.
- War or Nuclear perils.
Insurance is the subject matter of solicitation.
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