Reliance Overseas Travel Insurance India - Key Advantages

• Reliance travel medical insurance is available as Standard ($50,000), Silver($100,000), Gold($250,000) and Platinum($500,000)
• Wider duration can be covered up to 182 days, which is extendable up to 365 days
• Reliance travel insurance policy provides coverage for sportspersons subject to certain conditions
• No Medical Check up available till the age of 70 years
• Common coverage for family upto 60 years for 182 days
• Senior citizens (71-75 yrs) can buy online the travel medical insurance for $15,000 coverage without medical checkup.
• Reliance overseas travel insurance plans gives comprehensive coverage through various unique benefits like Compassinate visit, Home Burglary Insurance, Financial Emergency Assistance etc.
• Reliance travel medical insurance gives coverage of pre-existing ailments in case of life threatening situations (as per terms and conditions)
• Automated extension of policy in case of medical emergency and avacuation(upto 30 days) and delay of common carrier(upto 7 days) beyond policy expiry
• 24 hours emergency cashless services offered through emergency assistance service provider

Reliance Travel Insurance - Benefit Table

Reliance Travel Insurance India - Coverage

• Reliance travel insurance - 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.

  Some of the exclusions include:

  • Medical treatment abroad being the sole or one of the reasons for temporary stay abroad
  • Treatment which could be delayed till return to India
  • Expenses in excess of reasonable and customary charges as per the determination by the EASP/Company.
  • Treatment of orthopedic, degenerative, oncological diseases, cancer, unless it is life threatening condition or acute pain
  • Expenses related to mental or psychiatric disorders and Cosmetic treatment or 'plastic' surgery in any form or manner.
  • Expenses incurred for rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.
  • Pregnancy, childbirth and related treatment or consequences thereof except in case of life threatening situation of the Insured or child.

• Reliance travel insurance - Dental Treatment
  
  
  • Expenses incurred on acute anesthetic treatment of a natural tooth or teeth
  • The deductible will be applicable for each separate claim
  • However, dental care rendered necessary as a result of an accident shall be subject to the limit of cover and deductible
  
  
  
• Reliance travel insurance - Personal Accident
  
  
  • Provides compensation for accidental bodily injury
    • resulting in permanent disablement or death within 12 (twelve) calendar months of occurrence of such injury
    • solely & directly caused by accidental, violent, external & visible means
  • Compensation is limited to the Sum Insured as per the table of benefits
  • Compensation is payable only in Indian currency

• Accidental Death & Dismemberment - Common Carrier
  
  
  • Covers injury sustained by Insured, which results in loss of life while riding as a passenger in any common carrier
  • This benefit shall not apply if the aircraft
    • is any civilian aircraft that does not hold a current & valid Airworthiness Certificate
    • is piloted by a person who then holds a current & valid certificate of competency

• Reliance travel insurance - Daily allowance in case of hospitalization
  
  
  • Provides for a daily allowance, in case of hospitalization for more than two consecutive days due to a disease / illness or injury sustained or contracted within the period of insurance while on the trip.
  • This benefit can be claimed only once during the Policy period
  
  
• Reliance travel insurance - 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.
  

• Reliance travel insurance - Loss of Passport

  The Company will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss.

  Some of the exclusions include:

  • Loss of passport due to theft unless it has been reported to the police within 24 hours of knowing about the theft & a written police report is obtained and due to delay or confiscation or detention by the customs, police or public authorities.
  • Loss due to being left unattended or forgotten in a public place/transport, hotel or apartment
• Reliance travel insurance - 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.

  Some of the exclusions include:

  • Items that are not declared.
  • Loss due to complete / partial damage of the checked-in baggage.
  • Items contained within the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership.
  • Any checked-in baggage loss in India
  • Losses arising from any delay, detention, confiscation by customs officials or other public authorities.

  Compensation is based on the market value of checked-in baggage due to total & complete loss up to the limits, provided that:

  • Maximum amount payable per checked-in baggage, is 50 % of the SI. In case of only one bag being checked-in, the amount payable is 100% of the SI
  • The amount payable for any one article, pair/set is limited to the amount specified in the Schedule
  • Once the company has made any payment under this benefit any recovery from any common carrier shall become the property of the Company.
  • Total loss or damage of individual unit(s) of baggage shall not be construed as partial loss.

• Reliance travel insurance - 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.

  Some of the exclusions include:

  • Valuables, money, securities, tickets & passes or any other item(s) not declared
  • Loss due to complete/partial damage of the checked-in baggage
  • Losses arising from any delay, detention, confiscation by customs officials or other public authorities
  • Items contained in the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership

• Reliance travel insurance - Trip Delay
  

  This benefit is payable also due to:

  • Termination of employment or layoff affecting the Insured or the Traveling Companion, provided that the he/she, has been employed with the employer for at least five continuous years
  • The Insured being abducted or quarantined
  • Delay by the common carrier
  • Lost or stolen passport, travel documents or money
  • The Insured or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, except where the Insured, any of his/her Family Member, the Traveling Companion or Traveling Companion's Family Member has been a principal or accessory in the commission of the felonious assault
  • A terrorist incident in a City/destination listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival
  
  
• Reliance travel insurance - Trip Cancellation & Interruption
  
  
  • Provides reimbursement for trips that are delayed or canceled before the scheduled departure date due to
    • Unforeseen disease, illness, injury, death of the Insured /Traveling Companion/Family Member
    • Inclement weather conditions causing delay
    • Insured’s place of stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster
    • Termination of employment or layoff affecting the Insured or the Traveling Companion, provided that the he/she, has been employed with the employer for at least five continuous years
  • The Insured being abducted or quarantined
  • Delay by the common carrier
  • Lost or stolen passport, travel documents or money
  • The Insured or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, except where the Insured, any of his/her Family Member, the Traveling Companion or his Family Member has been a principal/accessory in the felonious assault
  • A terrorist incident in a destination listed on the Insured's itinerary within 30 days of the Insured's scheduled arrival
  • In the event of Trip Interruption, provides reimbursement for additional transportation expenses incurred on the trip either to
    • Return to India; or
    • From the place that the Insured left the trip to the place that the Insured may rejoin the trip
    • Additional transportation expenses incurred by the Insured to reach the original trip destination if the Insured is delayed, & leaves after the trip departure date

• Reliance travel insurance - Missed Connection
  

  Takes cover of expenses for cancellation or a delay of regular scheduled airline flights because of inclement weather, which will cover:

  • Additional transportation costs to join the trip
  • Reasonable accommodations and meals
  • Non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source.
  • The common carrier must certify the delay of the regular scheduled airline flight

• Reliance travel insurance - Personal Liability
  
  
  • This provides cover to the Insured if he /she becomes legally liable to a third party for causing death, injury or damage to the health of such third party or damage to his/her properties
  • The incident should have occurred during the period of insurance & whilst on a trip

• Reliance travel insurance - Financial Emergency Assistance
  
  
  • Provides financial assistance in the event of a financial emergency arising due to theft, mugging, robbery, dacoity of the funds, where the amount is limited to the Sum Insured
  • The Company shall have the sole discretion to determine whether a financial emergency has occurred in any instance

• Reliance travel insurance - Hijack Allowance
  
  
  • Provides an allowance in the event of hijack of a common carrier in which the Insured is traveling on a trip.
  • Deductible applicable for each separate claim & shall be of an amount as specified in the Schedule
  
  
  
• Reliance travel insurance - Home burglary insurance
  
  
  • Payment of compensation for any loss or damage sustained by the Insured due to burglary &/or attempted burglary, to the contents at Insured’s home in India on first loss basis while he / she is on the trip
  • Jewellery will be covered as part of contents up to 20% of the SI or actual whichever is less