RELIANCE CITATION?

Reliance Travel Insurance

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Plan Type:
Individual (Below 71 Yrs)
Individual (Between 71-80 Yrs)
Family
Insurance for Schengen countries
Travel Destination:
Including USA Excluding USA
No of Traveler:
Traveler Date of Birth:
     OR age      years
Travel Start Date:
Travel End Date:
 Total Days:
 
 
 *Optional
 
 

Overview of Reliance Travel Insurance

Reliance Travel Insurance, Travel Care policy provides comprehensive cover for you and your family when you globe trot. Reliance Travel Care goes beyond just health insurance and provides you with a wide range of travel related covers to make your trip stress-free. Reliance travel insurance plan can be purchased online using your credit card, debit card or cheque.

Reliance overseas travel medical insurance covers for the insured's unexpected medical and nonmedical expenses. Travelers traveling overseas can purchase reliance travel insurance online using different modes of payment. Even the children being anywhere in the world can purchase reliance travel medical insurance for their parents traveling from India. In reliance travel insurance, there are two types of medical expenses, one is reimbursible medical expenses where the traveler has to bear all the expenses and claim for reimbursement later. The second type of medical expenses is due to hospitalization for than 24 hours. In such a case the billing will be done directly to the hospital from the insurance company. In either of the case, the traveler has to bear the deductible.

Note: Travelers visiting other European countries like The UK, Ireland, Croatia, Bulgaria, Cyprus, Romania, Serbia, Bosnia & Herzegovina, Macedonia, Belarus, Moldova, Ukraine, Vatican City and Russia. The applicant must select "Excluding America" as the Travel Destination in the above form.

Schengen Requirement
Schengen Requirement

People who require Travel medical insurance for Schengen Visa from India can buy these Reliance plans offering coverage as mandated by the consulates. Travelers aged 6 months - 70 years are eligible to buy these plans:
Basic Plan - €30,000 maximum coverage
Standard Plan - €50,000 maximum coverage
Contact us or Call us at 080-41101026 for these Schengen Plans


  • 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
  • Insurance policy provides coverage for sportspersons subject to certain conditions
  • No Medical Check-up available till the age of 80 years
  • Common coverage for family up to 60 years for 182 days
  • Senior citizens (71-80 years) can buy online the travel medical insurance for $15,000 and $50,000 coverage without medical check-up.
  • This insurance plans gives comprehensive coverage through various unique benefits like Compassionate visit, Home Burglary Insurance, Financial Emergency Assistance etc.
  • This 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 evacuation(up to 30 days) and delay of common carrier(upto 7 days) beyond policy expiry
  • 24 hours emergency cashless services offered through emergency assistance service provider


For Individuals aged 6 months - 70 years

Coverages
US Dollars
Standard Silver Gold Platinum Deductibles
Medical Expenses including transportation and evacuation 50,000 100,000 250,000 500,000 50
Dental Care Expenses 500 500 500 500 50
Personal Accident 15,000 20,000 25,000 30,000 Nil
AD & D - Common Carrier 2,500 2,500 5,000 5,000 Nil
Daily Allowance in case of Hospitalization   25 per day
(5 days max)
25 per day
(6 days max)
25 per day
(7 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 - spouse / child / family doctor Return Fare for any one accompanying person - spouse / child / family doctor  
Loss of Passport 300 300 300 300 25
Total Loss of Checked Baggage(Per baggage max 50% and per item in baggage max 10%) 500 1,000 1,200 1,500 Nil
Delay of Checked Baggage 100 100 100 100 12 hours
Trip Delay   25 per day
(6 days max)
50 per day
(6 days max)
60 per day
(6 days max)
12 hours
Trip Cancellation & Interruption   600 600 600 Nil
Missed Connection   200 300 500 Nil
Financial Emergency Assistance   300 300 600 Nil
Personal Liability 50,000 100,000 200,000 250,000 Nil
Hijack Distress Allowance   50 per day
(7 days max)
75 per day
(7 days max)
125 per day
(7 days max)
12 hours
Home Burglary Insurance
(Amount in Indian Rs)
  1,00,000 2,00,000 3,00,000  
Special Conditions (Applicable only for 61-70 years)
Any One Illness 12,000 13,500 15,000 17,500  
Any One Accident 20,000 25,000 30,000 35,000  



For Family aged 6 months - 60 years

Coverages
US Dollars
Family Standard Family Gold Deductibles
Medical Expenses including transportation and evacuation 50,000 100,000 50
Dental Care Expenses 500 500 50
Personal Accident 15,000 25,000 Nil
AD & D - Common Carrier 2,500 2,500 Nil
Daily Allowance in case of Hospitalization 25 per day
(5 days max)
25 per day
(7 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  
Loss of Passport 300 300 25
Total Loss of Checked Baggage(Per baggage max 50% and per item in baggage max 10%) 500 1,000 Nil
Delay of Checked Baggage 100 100 12 hours
Trip Delay 25 per day
(5 days max)
50 per day
(7 days max)
12 hours
Trip Cancellation & Interruption 500 600 Nil
Missed Connection   300 Nil
Financial Emergency Assistance 500 600 Nil
Personal Liability 100,000 100,000 Nil
Hijack Distress Allowance 50 per day
(7 days max)
75 per day
(7 days max)
12 hours
Home Burglary Insurance
(Amount in Indian Rs)
1,00,000 2,00,000  
Special Conditions (Applicable only for 61-70 years)
Any One Illness      
Any One Accident      



  • 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 orthopaedic, 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.

  • Dental Treatment
    • Expenses incurred on acute anaesthetic 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

  • 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

  • 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

  • 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.
    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

  • 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.

  • 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

  • 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

  • Trip Cancellation & Interruption
    • Provides reimbursement for trips that are delayed or cancelled 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 re-join 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

  • 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

  • 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

  • Financial Emergency Assistance
    • Provides financial assistance in the event of a financial emergency arising due to theft, mugging, robbery, dacoit 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

  • 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

  • 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


Buy using credit/debit card
Insurance customers can use a credit or debit card to purchase Reliance Overseas travel medical insurance policy. The credit/debit card purchase service online allows the customers to punch their card and quickly purchase Reliance overseas travel health insurance policy. After the completion of online transaction, customers will receive an email furnished with all the transaction details. Credit card and Debit card transaction can be done at any point of time when the customers wish to make a purchase.

Buy using a cheque
Reliance overseas travel medical insurance can be purchased online using your cheque. The cheque payment facility available for Reliance travel health insurance can be used by those customers who do not use their credit or debit card. The policy will be issued, emailed and couriered after receiving the payment for Reliance travel medical insurance plan.

Mr. Arvind Naaz , Chief Marketing Officer - RGICL (Reliance General Insurance Co. Ltd) says "NRIOL being a key partner has helped provide a quick, convenient & efficient service through portal to Reliance General Insurance customers."
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