Annual multi trip travel insurance

• Reliance Travel Care Policy- Annual Multi Trip Plan covers you for any emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness or injury.
• Annual multi trip insurance  also reimburse emergency expenses towards medical evacuation to India
• Annual multi trip insurance cover 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.

• Reliance Annual multi trip insurance cover dental expenses incurred by you or any of your family members for any acute anesthetic treatment of teeth due to an injury.

• In case of an accident,Reliance general insurance company  will provide compensation for death or permanent disability.

• Annual multi trip insurance plan also provides compensation for death or permanent disability due to an accident on any flight, ship or other common carrier.

• Reliance general insurance shall reimburse the cost of obtaining a fresh or duplicate passport

• If your checked baggage is delayed more than 12 hours, your essential expenses shall be reimbursed. In case of total loss of baggageby the common carrier, we will provide compensation for the same.

• Additional expenses in case of trip delay shall be reimbursed.

• If the trip gets cancelled or interrupted, compensation for any non-refundable payments or additional expenses incurred will be paid.

• If you miss a connecting flight due to a delay of more than 3 hours, then additional expenses incurred by you will be reimbursed

• Return Fare for any one accompanying person – spouse / child / family doctor

• realiance general insurance offer compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by you or your family member abroad.

• Reliance general insurance arrange for emergency cash to be made available to you in case of loss of travel funds due to theft.

• Reliance general  also provide insurance against any burglary at your home while you are abroad so that you can be stress-free during your travel.

• In case of hijack of the common carrier that you or any of your family members is traveling in for more than 12 hours, we pay a special distress allowance.

• Claim form
• Doctor’s report
• Original Admission/discharge card
• Original Bills/Receipts/Prescription
• Original X-ray reports/ Pathological/ Investigative reports
• Copy of passport/Visa with Entry & exit stamp

For Medical expenses you need claim form A

Annual multi trip travel insurance claim form A

• Claim form
• Copies of Baggage Tags
• Copies of Correspondence with the Airline authorities/Others about loss of checked baggage
• Property Irregularity Report (obtained from Airline)
• Details of compensation received from Airlines/Other authorities, if any

• Claim form
• Copies of baggage tags
• Copies of Correspondence with the Airline authorities certifying about the delay
• Property Irregularity Report (obtained from Airline)
• Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period.

For Delay of baggage you need claim form C

Annual multi trip travel insurance claim form C

• Claim Form
• Please attach confirmation from the airlines, clearly mentioning the scheduled arrival time and the actual arrival time
• Copies of Correspondence with the Airline authorities certifying about the delay
• If trip is cancelled or interrupted due to medical reasons then provide medical reports and doctors statement
• If trip is cancelled or interrupted due to employment reason, then termination letter from the company shall be submitted
• If due to other insured events, police report confirming the incident shall be submitted
• In case the cancellation or interruption is owing to the sickness, injury or death of a traveling companion, the original tickets of the insured and the traveling companion indicating travel to the same destination for the same dates needs to be submitted
• All the bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers shall be submitted.

For Trip delay you need claim form C

Annual multi trip travel insurance claim form C

• Copy of new passport
• Copy of previous passport (if available)
• Original bills/invoices of expenses incurred for obtaining a new passport
• Copy of FIR/ Police Report

For Loss of passport you need claim form C

Annual multi trip travel insurance claim form C

• Full statement of the facts in writing
• Witness statements
• Any other documents relevant to the incident, including Summons, Legal Notice etc.
• Any other information you would like to share with us.

For Personal Liability you need claim form B

Annual multi trip travel insurance claim form B

• Full statement of the events in writing
• Claim Form
• Airline correspondence (copy of Passenger List etc.)
• Copy of ticket/ Boarding Pass

For Hijack you need claim form C

Annual multi trip travel insurance claim form C

• Claim form
• Original Death Certificate,
• Copy of FIR/Police inquest report/Coroners report
• Copy of Post Mortem report.
• Dismemberment Case:
• Copy of treatment papers along with No. 1 &3 above

For Accidental Death &Dismemberment you need claim form C

 Annual multi trip travel insurance claim form C

• Date of loss
• Copy of FIR/ Police Report

• Provide the court order stipulating the required amount as bail bond
• Police report

• Provide medical reports, doctor’s statement giving the details of the sponsor and cause of death certificate of the sponsor
• Medical statements from relations / spouse will not be accepted

• Provide Medical reports and certificate from the doctor confirming hospitalization of the insured, reason of hospitalization and duration of hospitalization
• Doctor’s statement specifically stating the need for an attendant

For Compassionate visit you need claim form C

Annual multi trip travel insurance claim form C

• Provide Medical reports, statement from the treating doctor and eath certificate as a proof of the reason of study interruption
• Medical statements from relations or spouse will not be accepted
• Provide receipts of the university fees paid

Inclusions

Exclusions

• Medical expenses

• Dental Treatment
• Personal Accident
• Accidental Death -Common Carrier
• Loss of passport
• Total loss of checked-in baggage
• Delay of checked-in baggage
• Trip Delay
• Trip Cancelation & Interruption
• Missed Connection
• Compassionate Visit
• Personal Liability
• Financial Emergency Assistance
• Home Burglary Insurance
• Hijack Distress Allowance

• Pre-existing medical conditions, unless of life threatening condition
• Suicide, self inflicted injury or illness.
• Mental disorder, anxiety, stress or depression.
• Venereal diseases, alcohol/drug abuse, HIV/AIDS.
• Traveling against the advice of physician.
• Receiving or are on a waiting list for specified medical treatment
• Travelling for the purpose of availing treatment
• Has received a terminal prognosis for a medical condition
• Theft or loss of passport when left unattended or not informed to police authorities.
• Loss of checked baggage, no partial loss or damage shall become payable.
• War or nuclear threat.