reliance senior citizen travel insurance review

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Senior citizen travel insurance Overseas-Reliance

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Reliance Senior citizen travel insurance Introduction

Reliance senior citizen travel insurance may act like a lifeline in the hour of need. It would provide the insured with sufficient financial assistance so that he/she could avail best possible medical treatment in event of an emergency. Reliance general insurance companies provides a best benefits under cheap travel insurance for senior citizens.

Many people, irrespective of what age-group they belong to, love travelling. In fact, it has been observed that many people plan a foreign trip post their retirement either for a vacation or visiting a family member. While there is no restriction or rule of cherishing a foreign trip because of old age, one thing that should not be ignored is travel insurance. As many would agree that older people are more exposed to medical emergency like situations, it is very more important that while they are planning a foreign trip, they should not forget to buy senior travel insurance because Medical costs abroad are really high. Hence it is important that our senior citizens must avail travel insurance to protect themselves from unexpected illness or accidents.

Reliance senior citizen travel insurance Policy for Senior Citizens gives you comprehensive travel insurance by providing you cover for medical and non medical expenses that may arise during your trip abroad.

Eligibility:

Overseas Travel Care Senior Citizen Insurance Policy is for the age of 61-70 years years.
Anyone who is travelling is exposed to some or the other kind of risks. In case of senior citizens the risks are higher and probability of occurrences of these risks is more. Therefore, when on a foreign trip, a senior citizen must have travel insurance.

Reliance Senior citizen travel insurance key Features

Reliance senior citizen travel insurance is specially designed for senior citizens in the age group 61-70 years.
Maximum Coverage with Minimal paper work.
Senior citizen travel plan is a comprehensive 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.
Facilities like hospitalization, cover for expenses due to loss of passport, loss of checked-in baggage, delayed and cancelled trips.

Annual Multi 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%
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.
Total and irrecoverable loss of various parts as given below:
4. 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%

Senior citizen travel insurance policy cover

Some of the basic things covered under reliance senior citizen travel insurance are:

Medical emergency,

Personal accidents,

Loss of passport and/or checked-in luggage,

Death

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	Reliance 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.

Reliance Senior citizen travel insurance plan details

Coverage	Reliance Age Standard ( In Us $)	Reliance Age Silver ( In Us $)	Reliance Age Gold ( In Us $)	Reliance Age Platinum ( In Us $)	Deductibles ( In Us $)
Medical Expenses Including Transportation & Evacuation	50,000	100,000	250,000	500,000	50
Dental Care Expenses	500	500	500	500	50
Loss of Passport	300	300	300	300	25
Total Loss of Checked baggage*	500	1000	1200	1500	100
Delay of Checked Baggage	100	100	100	100	12 Hours
Personal Accident	15,000	20,000	25,000	30,000	nil
Accidental Death & Dismemberment- Common Carrier	2,500	2,500	5,000	5,000	nil
Personal Liability	50,000	100,000	200,000	250,000
Daily Allowance in case of Hospitalisation		25 per day ( 5 days max)	25 per day ( 6 days max)	25 per day ( 7 days max)	2 days
Financial Emergency Assistance		300	300	300	nil
Hijack Distress Allowance		50 per day (7 days max)	75 per day (7 days max)	125 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)	12 hours
Trip Cancellation & Interruption		600	600	600	nil
Missed Connection		200	300	500	nil
Compassionate visit	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
Home Burglary Insurance (Amount in Indian Rs)		Rs. 1,00,000	Rs. 2,00,000	Rs. 3,00,000
Special conditions (limit of liability)
Any One Illness	12000	13500	15000	17500

Reliance senior citizen 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 Reliance senior citizen 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 Reliance senior citizen 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 Reliance senior citizen 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 Reliance senior citizen 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 Reliance senior citizen 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 Reliance senior citizen 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 Reliance senior citizen 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 reliance senior citizen 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

Reliance Senior Citizen Plan Important points to remember

Please notify your Senior Citizen Insurance Plan claim at Europ Assistance call centre as soon as possible. In case you are not in a position to notify your claim, you may please take help of your relatives, friends, colleagues who can notify your claim on your behalf.

Medical Sickness/Accident:

Notify Police authorities in case of Road Traffic accident.
Please collect all bills and receipt and medical papers in original from Doctors, hospitals and other medical establishments.
Please get your claim form duly filled in and signed by the attending physician.

Loss of passport:

Notify Police authorities immediately.
Please contact Indian Embassy for duplicate passport. You may take help of ISOS to locate Indian Embassy as well as know the formalities of obtaining duplicate passport.

Baggage Delay/Loss:

Intimate immediately about your loss to airlines.
Please obtain PIR report from the Airlines authority.
Please collect details of compensation received from airlines in case of baggage loss.

Trip Delay/ Cancellation/ interruption/ missed connection:

Please collect Airlines correspondence certifying the cause of delay/cancellation.

Financial Emergency/Bail bond:

Please notify Police authorities immediately.
Please contact our service provider immediately.
Please contact Indian emergency if required.

Personal Liability:

Do not commit any benefit/compensation or enter into any agreement.

Reliance Senior Citizen travel insurance policy Exclusions and Inclusions

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.

Reliance Senior Citizen travel insurance customer care

Annual Multi Travel insurance Customer Care

Toll Free: 1800 3009

Claims Landline: +91 22 6734 7843

Claims Landline: +91 22 6734 7844

Reliance Senior Citizen travel insurance FAQs

1.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.

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.Will the Policy cover the expenses towards new passport incurred in India?

A.The Policy would pay the necessary expenses incurred in obtaining a duplicate or fresh passport after coming to India. However this will be up to the maximum sum insured mentioned in your policy.

4.How am I covered in case I meet with an accident and suffer injuries / any loss?

A.The travel policy covers will compensate you for any unfortunate outcomes/ losses of an accident that takes place during your travel. This compensation is different for various losses and is limited to the sum insured as mentioned in the plan. For e.g. in a case where the insured loses his arm, the compensation will be 70% of the sum insured. To understand the benefits.

5.If I suffer any loss while travelling by railway/ ship in a foreign country does my International travel policy help me in any way?

A.Our Travel Insurance Policy covers you up to the maximum amount mentioned in your policy as long as you are travelling in/ by an IATA certified carrier.

Travel insurance Documents

reliance senior citizen travel insurance brochure

reliance senior citizen travel insurance policy wordings

reliance senior citizen travel insurance claim form

Reliance senior citizen travel insurance