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Home » Blog » General Insurance » Annual multi trip travel insurance

Annual multi trip travel insurance

April 1, 2016 By policydunia

5/5 - (4 votes)

Policy Highlights

  • 1 Annual multi trip travel insurance
  • 2 Reliance Annual Multi Travel insurance Introduction
  • 3 Reliance Annual Multi Travel insurance  Eligibility:
  • 4 Annual Multi Travel insurance policy Review
  • 5 Annual Multi Travel insurance Key Features 
  • 6 Annual Multi Travel insurance Policy Cover
  • 7 Annual multi trip insurance Review and annual muti trip details
  • 8 Annual Multi Travel insurance Claim procedure
  • 9 Reliance Annual multi trip travel insurance claim procedure:
  • 10 Annual Multi Travel insurance Premium Calculator
  • 11 Annual Multi Travel insurance Inclusions and Exclusions 
  • 12 Annual Multi Travel insurance Customer Care
  • 13 Annual Multi Travel insurance Documents
  • 14 Annual Multi Travel insurance Forms
  • 15 Annual Multi Travel insurance FAQs
  • 16 About Reliance Senior Citizen Travel policy
  • 17 About Reliance Overseas Travel Policy
  • 18 About Reliance Student Travel Policy

Annual multi trip travel insurance

annual multi trip travel insurance policy

Reliance Annual Multi Travel insurance Introduction

annual multi trip travel insurance is a type of insurance that provides you medical, financial and other assistance in case of any emergency while traveling outside the country .

Reliance annual multi trip travel insurance specially designed for the people who you are a frequent flyer, then getting insurance for every overseas journey that you make can get tedious. Reliance Travel Care Policy- Annual Multi Trip Plan is specially designed for frequent international travelers, which provides a comprehensive travel package for your trips across the year.

Annual multi trip travel insurance plan ensures some features and more through its extensive covers and benefits so that Annual multi trip travel insurance policy can be adequately protected you at all times.

If you travel quite often, then it is always advisable to buy an annual multi trip travel cover for all your yearly trips than buying a single travel insurance for every trip.As a frequent traveler you might not be unaware of missed flights, cancelled trips. Therefore, make it a point that your multi trip travel insurance policy covers you for such situations.Annual multi trip travel insurance -reliance annual travel cover helps to you avoid those situations.

Reliance Annual Multi Travel insurance  Eligibility:

Individuals between the ages of 18 years and 60 years

Annual Multi Travel insurance policy Review

Reliance Annual Multi Travel insurance conditions:

  • Covers upto 180 days & extended to 365 days
  • Maximum sum insured upto 500,000 $
  • Elite & Plus incl Home burglary Insurance
  • Free International Sim Card with every Travel Quote

Annual Multi Travel insurance Key Features 

  • Annual multi trip travel Insurance specially designed for individuals who frequently travel abroad
  • Annual multi trip travel insurance policy is a Comprehensive and Custom Made coverage through various unique benefits like Compassionate Visit, Home Burglary Insurance, Financial Emergency Assistance etc.
  • Facilities like hospitalization, cover for expenses due to loss of passport, loss of checked-in baggage, delayed and cancelled trips
  • Wide Choice from Elite, Plus and Standard plan variants
  • Speedy and Hassle free claim settlement

Key Advantages:

  • Reliance Annual multi trip travel insurance Policy gives you protection to meet your unique needs with comprehensive coverage for your medical and non medical expenses during your trips
  • Offers choice from Elite, Plus and Standard
  • Coverage is also available for trips involving any kind of sporting activities (subject to prior declaration and specific approval with premium loading)
  • Annual multi trip travel insurance gives you the maximum coverage with minimal paperwork.
  • Annual multi trip travel insurance plan provides an automated extensions of policy in case certain eventualities.
  • 24 Hour Emergency Services offered through Emergency Assistance Service Provider.

Annual Multi Travel insurance Benefits 

annual multi trip travel insurance benefits

 

Table of Benefit Percentage of Sum Insured as per Schedule
1.  Death 100%
2.  Total and irrecoverable loss ofi)   Sight of both eyes or of the actual loss by physical separation of the two entire hands or two entire feet or one entire hand and one entire foot or of such loss of sight of one eye and such loss of one entire hand or one entire foot.ii)  Use of two hands or of two feet or of one hand and one foot or of such loss of sight of one eye and such loss of use of one hand or one foot. 100%100%100%
3.  Total and irrecoverable loss ofi)   The sight of one eye or the actual loss by physical separation of one entire hand or one entire foot.ii)  Use of a hand or a foot without physical separation 50%50%
For the purpose of items 2 and 3 above, this shall mean separation at or above wrist and/or of the foot at or above ankle, respectively.
4   Total and irrecoverable loss of various parts as given below:
5.  Loss or Inability to function of (with the respective% of CSI)
a. An arm at the shoulder joint 70%
b. An arm to a point above the elbow joint 65%
c. An arm below the elbow joint 60%
d. A hand at the wrist 55%
e. A thumb 20%
f. An index finger 10%
g. Any other finger 5%
h. A leg above the center of the femur 70%
i. A leg up to a joint below the femur 65%
j. A leg to a point below the knee 50%
k. A leg up to the center of the tibia 45%
I. A foot at the ankle 40%
m. A big toe 5%
n. Some other toe 2%
o. An eye 50%
p. Hearing in one ear 30%
q. Sense of smell 10%
r. Sense of taste 5%
Any other permanent partial disablement – Percentage as assessed by a panel doctor
5. Permanent total and absolute disablement disabling the Insured / Insured Person from engaging in any employment or occupation of any description whatsoever. 100%

Annual Multi Travel insurance Policy Cover

Type Policy Cover
Medical Expenses including transportation and evacuation
  • 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.
Dental Treatment
  • 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.
Personal Accident
  • In case of an accident,Reliance general insurance company  will provide compensation for death or permanent disability.
Accidental Death – Common Carrier
  • 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.
Loss of passport
  • Reliance general insurance shall reimburse the cost of obtaining a fresh or duplicate passport
Total loss of checked-in baggage
  • 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.
Trip Delay
  • Additional expenses in case of trip delay shall be reimbursed.
Trip Cancelation & Interruption
  • If the trip gets cancelled or interrupted, compensation for any non-refundable payments or additional expenses incurred will be paid.
Missed Connection
  • If you miss a connecting flight due to a delay of more than 3 hours, then additional expenses incurred by you will be reimbursed
Compassionate Visit
  • Return Fare for any one accompanying person – spouse / child / family doctor
Personal Liability
  • 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.
Financial Emergency Assistance
  • Reliance general insurance arrange for emergency cash to be made available to you in case of loss of travel funds due to theft.
Home Burglary Insurance
  • 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.
Hijack Distress Allowance
  • 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.

Annual multi trip insurance Review and annual muti trip details

Coverage Elite (In US $) Plus (In US $) Standard (In US $) Deductibles (In US $)
Medical Expenses Including Transportation & Evacuation 500,000 250,000 100,000 50
Dental Care Expenses 500 500 500 50
Loss of Passport 300 300 300 25
Total Loss of Checked baggage 1,500 1,000 500 nil
Delay of Checked Baggage 125 125 100 12 Hours
Personal Accident 30,000 25,000 20,000 nil
Accidental Death & Dismemberment- Common Carrier 5,000 5,000 2,500 nil
Personal Liability 250,000 200,000 100,000 nil
Daily Allowance in case of Hospitalisation 25 per day ( 7 days max) 25 per day ( 6 days max) 25 per day ( 5 days max) 2 days
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 500 500 500   nil
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   nil
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 1,250 1,000 750   nil
Missed Connection 500 300 N.A   nil
Home burglary Insurance (in Indian Rs) Rs. 300,000 Rs. 200,000 N.A   nil
 In case of financial emergency occurring in Asian countries, the maximum Sum Insured applicable would be 300 USD per baggage maximum 50% and per item in baggage max 10%

Annual Multi Travel insurance Claim procedure

Reliance Annual multi trip travel insurance claim procedure:

Details that needs to be furnished by you while intimating a claim:

  • Your contact numbers
  • Policy number
  • Name of Insured person who is injured
  • Date & time of accident
  • Location of loss
  • Brief description on how the accident took place
  • Extent of loss
  • Place & contact details of the Insured Person.
Type Documents Required
Medical Accident & Sickness Expenses(Outside India)
  • 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

Loss of Baggage
  • 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
Delay of Baggage
  • 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

Trip Delay/ Cancellation/ interruption/ missed connection
  • 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

Loss of Passport
  • 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

Personal Liability
  • 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

Hijack
  • 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

Accidental Death & Dismemberment
  • 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

Financial Emergency Assistance
  • Date of loss
  • Copy of FIR/ Police Report
Bail Bond
  • Provide the court order stipulating the required amount as bail bond
  • Police report
Sponsor Protection
  • 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
Compassionate Visit
  • 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

Study Interruption
  • 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

Medical Assistance and Emergency Services are implemented by Reliance Annual multi trip insurance Service Providers:

Europ Assistance India Pvt. Ltd.
C-301, Business Square,
Andheri – Kurla Road, Chakala,
Andheri (E), Mumbai – 400093, India.

Reliance general insurance Service Providers are at your disposal for 24 hours during 365 days/year. In case of any requirement for emergency assistance whilst abroad, please contact the toll free helpline numbers given below:

International Toll Free Numbers:

Netherlands – 00+800-10101022  Thailand – 001+800-10101022
Belgium – 00+800-10101022  Sweden – 00+800-10101022
Italy – 00+800-10101022  Austria – 00+800-10101022
Norway – 00+800-10101022  Czech Republic – 00+800-10101022
Poland – 00+800-10101022  Denmark – 00+800-10101022
New Zealand – 00+800-10101022  France – 00+800-10101022
Singapore – 001+800-10101022  Greece – 00+800-10101022
Portugal – 00+800-10101022  Hungary – 00+800-10101022
 Australia – 0011+800-10101022  Israel – 014+800-10101022
United Kingdom – 00+800-10101022  Germany – 00+800-10101022
Malaysia – 00+800-10101022  South Africa – 09+800-10101022
Japan – 0033-010, 001-010
+800-10101022
 Spain – 00+800-10101022
China – 00+800-10101022  Swizterland – 00+800-10101022
Hong Kong – 001+800-10101022  USA – 8774714686
Taiwan – 001+800-10101022  Canada – 8776266511

National Numbers:

 Toll Free – 1800 209 5522
 Claims Landline: +91 22 6734 7843
 Claims Landline: +91 22 6734 7844
 Fax: +91 22 6734 7888

Email: reliance@europ-assistance.in

Website: www.europ-assistance.com

Annual Multi Travel insurance Premium Calculator

Annual Multi Travel insurance has a premium calculator used to calculate the premium of the policy.

Annual Multi Travel insurance Inclusions and Exclusions 

Inclusions

Exclusions

Reliance general insurance strive to give you the best during your journey and stay, there are certain expenses which will  be covered. they are:

  • 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
Reliance general insurance strive to give you the best during your journey and stay, there are certain expenses which will not  be covered. they are:

  • 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.

 

Annual Multi Travel insurance Customer Care

Toll Free: 1800 3009

Claims Landline: +91 22 6734 7843

Claims Landline: +91 22 6734 7844

Annual Multi Travel insurance Documents

Annual multi trip travel insurance brochure

Annual muti trip travel insurance policy wordings

Annual Multi Travel insurance Forms

 Annual multi trip travel insurance claim form

Annual multi trip travel insurance proposal form

Annual Multi Travel insurance FAQs

1.Is travel insurance mandatory?

Travel Insurance is not mandatory in India. However it is mandatory in United Kingdom and countries like:

  • Austria
  • Greece
  • Portugal
  • Spain
  • France
  • Germany
  • Belgium
  • Luxemburg
  • Netherlands

However to enjoy a hassle free trip, it is recommendable that you take a travel insurance policy even if you are traveling to countries apart from these.

2.In which countries are the International travel policies recognized / accepted?

A.The travel policies are recognized and accepted all over the globe. For your assistance we have International presence through the service provider. However Reliance general Insurance has special travel insurance plans depending on where you are travelling.

3.Can I buy insurance if I am going on a work permit abroad?

A.Reliance General Insurance has a special policy called the Pravasi Bhartiya Yojana Policy, covering individuals travelling under a work permit.

4.Can the existing International travel policy be extended to cover domestic travel as well?

A.An international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover your for the relevant benefits while you are travelling within the country.

5.What if a Hand Bag is lost while travelling by airline, will it be covered?

A.The loss of handbag is not covered. The Policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/ insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.

About Reliance Senior Citizen Travel policy

About Reliance Overseas Travel Policy

About Reliance Student Travel Policy

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