Reliance overseas travel insurance

Reliance overseas Travel Insurance 

Reliance overseas Travel Policy Introduction

Reliance overseas Travel Insurance policy provides comprehensive cover for you and your family.Overseas travel is a great experience. But some complications may araise in your trip like emergency assistance,Medical emergency etc.Reliance overseas Travel Insurance policy specially designed to give you unique travel insurance plan that covers you against unanticipated medical and non medical expenses, so that you can relax and make the most of your trip.

Reliance overseas Travel Insurance policy  is for both individuals and family travelling abroad. Even the children being anywhere in the world can purchase reliance travel medical insurance for their parents traveling from India.

Reliance overseas travel insurance india can be purchased online also using your credit card, debit card or cheque.

Reliance overseas  travel gives protection to meet your unique needs, provides you with a wide range of travel related covers to make your trip stress-free.

Reliance overseas Travel Insurance Eligibility

• For Individuals aged 6 months – 70 years
• For Family aged 6 months – 60 years.

Reliance overseas Travel Insurance conditions

• Minimum and Maximum age of the Insured /Insured Person shall be 3 months up to 60 years.
• In case you / your family members are insured under “Family Plan “, the minimum age of the Insured / Insured Person shall be 3 months and maximum age shall be 60 years.
• Maximum 4 persons may be covered under a Family Plan (inclusive of the Insured and his/her lawful spouse and maximum of two dependent children below the age of 21 years.)
• Under family plans, the sum insured is floating on the entire family members, except in case of Personal Accident benefit where the sum insured is applicable separately to each and every Insured Person of the family.

Reliance overseas Travel Insurance India Travel Insurance Key Features and benefits

• Maximum Coverage with Minimal paper work
• Reliance overseas travel insurance has a coverage through various unique benefits like Compassionate Visit, Home Burglary Insurance, Financial Emergency Assistance etc.
• Coverage of pre-existing disease – in case of life threatening situations
• Reliance overseas travel policy has facilities like cover for expenses due to loss of passport, loss of checked-in baggage, delayed and cancelled trips
• Wide Choice from plan variants for Individual and Family
• In case of a family plan, the sum insured floats over the family members covered.
• Choices are available for Individual and Family trip in the form of Standard, Silver,Gold and Platinum plan variants.
• Coverage is also available for trips involving any kind of sporting activities .
• If you planned for a long trip we cover wide durations upto 182 days, which is extendable up to 365 days through Hassle-free and convenient trip insurance policy.
• Automated extensions of Policy in case of medical emergency and evacuation (upto 30 days) and delay of common carrier (upto 7 days) beyond Policy expiry.
• 24 Hour Emergency Services offered through Emergency Assistance Service Provider.

Reliance overseas Travel Policy Cover

Type	Policy Covers
1.Medical & Emergency Expenses	Reliance overseas travel insurance covers you for any emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness or injury or death.Reliance overseas travel policy consists of two types of medical expenses they are:1.Reimbursible medical expenses:The traveler has to bear all the expenses and claim for reimbursement later.2.Medical expenses is due to hospitalization for than 24 hours:The billing will be done directly to the hospital from the insurance company.Note: In either of the case, the traveler has to bear the deductible.
2.Dental Treatment	Reliance overseas travel cover dental expenses incurred by you or any of your family members for any acute anesthetic treatment of teeth due to an injury.
3.Personal Accident	Reliance overseas travel insurance pay compensation if you or any of your family members unfortunately sustain accidental bodily injury during the trip.
4.Accidental Death -Common Carrier	Reliance overseas travel insurance policy also provides compensation for death or permanent disability arising due to an accident while riding as a passenger in a common carrier.
5.Loss of passport	Reliance overseas travel shall reimburse the cost of obtaining a fresh or duplicate passport
6.Total loss of checked-in baggage	Reliance overseas travel insurance policy compensates you for the total loss of your checked-in baggage caused by a common carrier.
7.Delay of checked-in baggage	If your checked baggage is delayed more than 12 hours, the reasonable expenses incurred for the purchase of toiletries, clothing and medication shall be reimbursed.
8. Trip Delay	Additional expenses shall be reimbursed in case your trip is delayed for more than 12 hours due to airline problems, medical problems, personal employment problems or natural disasters.
9.Trip Cancelation & Interruption	If the trip gets cancelled or interrupted – due to any medical emergency, personal employment problems or natural disaster – compensation for any non-refundable payments or additional expenses incurred will be paid.
10.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.
11.Compassionate Visit	Reliance overseas travel insurance policy reimburse the return fare for an immediate family member to visit you in the unfortunate event of you being hospitalised for more than seven consecutive days.
12.Personal Liability:	Reliance overseas travel insurance policy 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.
13.Financial Emergency Assistance	Reliance overseas travel arrange for emergency cash to be made available to you in case of loss of travel funds due to theft.
14.Home Burglary Insurance	Reliance overseas travel also provide insurance against any burglary of the contents of your home in India, while you are on a trip abroad so that you can be stress-free during your travel.
15.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.

Plans for Individual				Plans for Family			For Both
Coverage	Reliance Standard (in US$)	Reliance Silver (in US$)	Reliance  Gold (in US$)	Reliance Platinum (in US$)	Reliance Family Standard (in US$)	Reliance Family Gold  (in US$)	Deductibles (in US$)
Medical Expenses Incl. Transportation & Evacuation	50,000	100,000	250,000	500,000	50000	100000	50
Dental Care Expenses	500	500	500	500	500	500	50
Loss of Passport	300	300	300	300	300	300	25
Total Loss of Checked baggage*	500	1000	1200	1500	500	1000	nil
Delay of Checked Baggage	100	100	100	100	100	100	12 hrs
Personal Accident	15,000	20,000	25,000	30,000	15,000	25,000	nil
Accidental Death & Dismemberment- Common Carrier	2,500	2,500	5,000	5,000	2,500	2,500	nil
Personal Liability	50,000	100,000	200,000	250,000	100,000	100,000
Daily Allowance in case of Hospitalisation		25 per day ( 5 days max)	25 per day ( 6 days max)	25 per day ( 7 days max)	25 per day ( 5 days max)	25 per day ( 7 days max)	2 days
Financial Emergency Assistance		300	300	300	500	600	nil
Hijack Distress Allowance		50 per day (7 days max)	75 per day (7 days max)	125 per day (7 days max)	50 per day (7 days max)	75 per day (7 days max)	12 Hours
Trip Delay		25 per day (6 days max)	50 per day (6 days max)	60 per day (6 days max)	25 per day (5 days max)	50 per day (7 days max)	12 Hours
Trip Cancellation & Interruption		600	600	600	500	600	nil
Missed Connection		200	300	500		300	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	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
Home Burglary Insurance (Amount in Indian Rs)		Rs. 1,00,000	Rs. 2,00,000	Rs. 3,00,000

*per baggage maximum 50% and per item in baggage max 10%

The sum insured is for the entire family.

The base premium for the principal insured person on whose name the policy is issued will be loaded by 40% for spouse and 25% for child below 21 years Maximum no of persons shall be one plus three

Reliance overseas Travel Insurance Claim procedure

Reliance overseas travel insurance mainly consists of four Forms they are:

Form	Claim Type	Documents Required
FormAReliance overseas travel insurance claim form A	claiming Medical expenses.	Claim form with the surgeon’s signature Copy of your travel policy Doctor’s report Original admission/discharge card OriginalBills/Receipts/Prescription Original X-ray reports/ Pathological/ Investigative reports Copy of passport/Visa with entry and exit stamp.
FormBReliance Overseas travel insurance claim Form B	claiming Personal Accident/Accidental Death & Dismemberment-Common Carrier.	Claims form Copy of your travel policy A detailed statement mentioning details of the incident Witness statements Any other documents relevant to the incident including Summons Legal Notice etc. Any other information you would like to share with us. Copy of your travel policy Original Death Certificate Copy of FIR/Police inquest report/Coroners report Copy of Post Mortem report.
FormCReliance travel insurance claim Form C	claiming Loss/Delay of Checked Baggage, Loss of Passport, Loss of International Driving License and Travel Documents,Trip Delay/Cancellation/Interruption/Missed Connection, Hijack Distress Allowance, Personal Liability etc.	Loss of passport: Claims form Copy of your travel policy 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 Delay of checked in Baggage: Claims form Copy of your travel policy 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. Trip Dealy: Claims form Copy of your travel policy 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 Hijack: Claims form Copy of your travel policy Full statement of the events in writing Airline correspondence (copy of Passenger List etc.) Copy of ticket/ Boarding Pass
FormDReliance Travel insurance claim form D	Home Burglary	Claims form Copy of your travel policy FIR List of items stolen along with year of purchase and value

Reliance overseas Travel Policy Premium Calculator

Reliance overseas Travel policy has a premium calculator used to calculate the premium of the policy.

Reliance overseas Travel Policy Inclusions and Exclusions 

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. In case of loss of checked-in baggage, no partial loss or damage shall become payable. War or nuclear threat

Reliance overseas Travel Insurance FAQs

1.What kinds of risks are covered under travel insurance policy?

A.International Travel Insurance is a type of insurance that provides you medical, financial and other assistance in case of any emergency or untoward circumstances while traveling outside the country.

Any basic travel insurance policy will cover you for:

• Emergency medical assistance
• Baggage insurance
• Personal accident

Apart from these, you could opt for covers like:

• Dental treatment
• Financial emergency
• Compassionate visit
• Sponsor protection
• Trip delay, cancellation and interruption
• Loss of passport
• Home burglary insurance
• Personal liability, etc.

2.What is a deductible? Why is this necessary?

A.Deductible also referred to as excess is the portion of any claim; as a period of time for which the company will not pay any benefit or as a percentage of the sum insured or a fixed amount that is not covered by the insurance policy. It is mutually agreed and is mentioned in the policy schedule to the Insurance Policy.

A deductible is important as makes the insured a co-owner of the policy by taking up a certain portion of the loss himself/ herself.

3.What is the age criterion I have to fulfil to be covered under your International travel policy? Or what is the maximum age for which you issue a policy?

A.Reliance General Insurance offers policies for children aged 6 months and above and to individuals up to 70 years. However if the insured is above 70 years then a medical check up is required.

4.What is the paperwork in need for buying a travel policy?

A.To take a travel insurance policy through us all you have to do is submit a duly filled proposal form along with the premium cheque. Only in the case where a senior citizen between ages 60-70 years plans to take an insurance policy will we require him to undergo a medical test and submit the medical report.

5.How does Reliance General Insurance settle its claims?

A.We have appointed Europe Assistance India to facilitate claims service for our customers. Since they have worldwide presence, you will receive prompt service and your claims would settle quickly.

Reliance overseas Travel Insurance Documents Required

Reliance overseas travel insurance brochure

Reliance overseas travel insurance policy wordigs

Reliance overseas Travel Insurance Forms

Reliance overseas travel insurance claim form

Reliance overseas travel insurance proposal form

About Reliance Student Travel Policy

About Reliance Senior Citizen Travel policy

About Reliance Annual Multi Trip Travel policy