Reliance travel insurance covering pre-existing conditions

Reliance travel insurance covering pre-existing conditions FAQ's

General Information

"Pre-Existing Condition" means chronic diseases or illnesses or ailments and consequences of such diseases or illnesses or ailments existing or known to exist at the commencement of the period of insurance, even if the same had not been treated, including diseases or illnesses treated or for which medical advice was sought in the last six months before commencement of the period of insurance and including their consequences.

The treatment for these emergency measures would be paid till the Insured/Insured Person becomes medically stable. All further medical cost to maintain medically stable state would have borne by the Insured/ Insured Person.

Common queries on pre-existing

Reliance travel insurance covers pre-existing conditions under life threatening emergency situations. The policy pays for treatment until the policy holder becomes medically stable. Ongoing treatment after stabilization is not covered

Pre-existing conditions refer to any medical condition, illness, or injury for which the traveler has received treatment, medication, diagnosis, or consultation before purchasing the travel insurance policy. If the traveler is taking treatment or medication, then it will be considered as pre-existing condition. Please go through the terms and conditions before you buy the policy.

Yes, Reliance travel insurance typically does cover pre-existing conditions, under life-threatening emergency medical situation. It is one of the best travel insurance for pre-existing conditions India. Please go through the terms and conditions before you buy the policy.

Declared non-critical pre-existing conditions are covered for travelers up to 70 years of age in life-threatening emergencies, as per policy terms. Travelers above 70 are not covered for pre-existing diseases.

Yes, you can get Reliance international travel insurance that covers pre-existing conditions under life threatening situations only. Only declared pre-existing medical conditions are covered. There are some diseases excluded from this cover. Please go through the policy terms and conditions before you purchase the policy.

No all pre-existing conditions are not covered under Reliance travel insurance. Critical illness and diseases are excluded from cover. Only non-critical medical conditions are covered. Please call the insurance advisors before making the purchase.

Reliance travel insurance covers declared non critical pre-existing conditions under life threatening for travelers up to age of 70 years as per policy terms and conditions. Travelers above 70 years are not covered for pre-existing diseases under Reliance travel insurance.

However their might be special plans or companies which offer pre-existing cover for 70 plus travelers. For more information please get in touch with the insurance advisor via  Chat with us.

Purchasing Reliance travel insurance with pre-existing condition coverage offers several unique benefits. Some of the key benefits are as below.

1. Medical insurance cover for sickness and accident.
2. Covers pre-existing medical conditions under life threatening situations up to sum insured (T&C apply)
3. Access to quality health care with Reliance travel insurance.
4. Peace of mind.
5. Smooth claims settlement.
6. 24/7 customer support.
7. Best travel insurance which covers pre-existing diseases

Yes, it is worth buying Reliance travel insurance though it does cover pre-existing fully. Because most medical emergencies abroad are unrelated to pre-existing conditions. When you have a comprehensive travel insurance cover from Reliance, it takes out the worries and protects you from unexpected emergency and non-medical expenses. Travelers who are having pre-existing medical conditions are covered under life threatening conditions.

Yes, you can get travel insurance from Reliance. However this will be considered as pre-existing medical condition. This medical condition will not be covered for regular treatment unless it is life threatening and till the condition becomes stable.

No, diagnostic tests and medications for pre-existing conditions are not covered under Reliance travel insurance. Also routine check-ups and planned treatments related to pre-existing conditions are not covered.

Yes, to buy Reliance travel insurance you have to disclose any known pre-existing conditions in the proposal form to avoid claim rejection.

If you do not disclose any known pre-existing conditions in the proposal form, then any claim related to pre-existing medical conditions can be rejected.

Exclusions

Some of the common exclusions in pre-existing conditions coverage under Reliance travel insurance are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes.

The Reliance travel insurance does not cover pre-existing coverage unless it is life threatening. Regular checkups, medical tests and planned treatments which are related to pre-existing medical condition are excluded.

Renewal

Yes, you can renew your policy at Reliance Renewal Form. The renewal of the policy is subject to approval from the insurance company. This will be updated to you in 1 working day.

Claims and Support

In case of medical emergency related to a pre-existing condition. Get in touch with the assistance company as soon as possible. All the relevant toll free numbers will be provided in the policy document. As per their guidance you can move further.

In case of a claim due to pre-existing condition coverage you may need to submit treating doctors report, medical records, treatment history to support your claim. While settling a claim due to pre-existing, the insurance company might go by the doctors report. Hence keep all the relevant medical records intact which in turn helps the claims successfully settled.