Reliance Annual Multi trip travel insurance

Reliance annual multitrip insurance overview

• Advantages of Reliance Annual Multi Trip travel insurance

  • Reliance multi-trip medical travel insurance gives comprehensive coverage through various unique benefits like Compassionate Visit, Home Burglary Insurance, Financial Emergency Assistance etc.
  • Custom made Corporate Plans (Standard $100,000 Coverage, Plus $250,000 Coverage, Elite $500,000 Coverage) available to choose from depending on your travel requirements
  • Option of an annual Plan covering multiple trips to benefit Frequent Travellers
  • Coverage of Pre-existing Ailments and Maternity - in case of life threatening situations
  • Coverage available for sports persons and trips involving winter/adventurous sports (subject to prior declaration, premium loading and underwriting approval)
  • 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 Cashless Services offered through Emergency Assistance Service Provider

• Benefits of Reliance annual multitrip insurance

  Corporate Standard	Corporate Plus	Corporate Elite
  Accident and Sickness Medical Expenses Reimbursement (Deductible $50)
  $100,000	$250,000	$500,000
  Dental Care Expenses(Deductible $50)
  $500	$500	$500
  Personal Accident
  $20,000	$25,000	$30,000
  Accidental Death & Dismemberment- Common Carrier
  $2,500	$5,000	$5,000
  Daily Allowance in case of Hospitalization (2 days)
  $25 per day up to 5 days Max	$25 per day up to 6 days max	$25 per day up to 7 days max
  Compassionate Visit
  Return Fare for any one accompanying person	Return Fare for any one accompanying person - spouse / child / family doctor	Return Fare for any one accompanying person - spouse / child / family doctor
  Loss of Passport(Deductible $25)
  $300	$300	$300
  Total Loss of Checked Baggage*
  $500	$1,000	$1,500
  Delay of Checked Baggage (12 hours)
  $100	$125	$125
  Trip Delay (12 hours)
  $30 per day up to 6 days max	$50 per day up to 6 days max	$60 per day up to 6 days max
  Trip Cancellation & Interruption
  $750	$1000	$1250
  Missed Connection
  Not Available	$300	$500
  Personal Liability
  $100,000	$200,000	$250,000
  Financial Emergency Assistance
  $500	$1000	$1000
  Hijack Distress Allowance (12 hours)
  $60 per day up to 7 days max	$75 per day up to 7 days max	$125 per day up to 7 dyas max
  Home Burglary Insurance (INR)
  Not Available	$200,000	$300,000

  Note: Per baggage Max 50% and per item in baggage max 10%.
  

• Coverages of Reliance Annual Multi Trip Insurance

  Medical Expenses including transportation and evacuation
  Reliance general insurance takes care of emergency medical expenses incurred by the Insured / Insured Person whilst abroad, for any sudden disease, illness, injury or death, with cashless facility. The Company will reimburse emergency expenses towards medical evacuation to India. It also covers 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 Care Expenses(Deductible $50)
  Reliance travel care annual multi trip insurance covers dental expenses incurred by the Insured / Insured Person for any acute anesthetic treatment of a natural tooth or teeth during a trip due to an injury but not exceeding the Sum Insured as specified in the Schedule to the Policy.
  
  Personal Accident
  Reliance multi trip travel insurance plan shall pay compensation if the Insured / Insured Person unfortunately sustain accidental bodily injury during the trip.
  
  Accidental Death & Dismemberment - Common Carrier
  Reliance multi-trip medical travel insurance shall pay compensation for injury sustained by Insured, which results in loss of life or permanent disability while riding as a passenger in any common carrier.
  
  Daily allowance in case of hospitalization
  If the Insured / Insured Person is hospitalized for more than 2 days, Reliance multi trip travel plan provides daily allowance as compensation
  
  Compassionate Visit
  In case the Insured / Insured Person is hospitalized for more than seven consecutive days. Reliance multi trip travel insurance will reimburse the return fare for an immediate family member to visit the insured.
  
  Loss of Passport
  Reliance multi trip travel insurance will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss
  
  Total Loss of Checked Baggage
  Reliance multi trip travel insurance shall compensate the Insured / Insured Person for the total loss of checked-in baggage on a trip by a common carrier.
  
  Delay of Checked Baggage
  If the checked-in baggage is delayed for more than 12 hours, the Company shall reimburse the Insured / Insured Person expenses incurred for the purchase of toiletries, clothing and medication.
  
  Trip Delay
  Reasonable additional expenses incurred to be reimbursed if the trip is delayed for more than twelve hours from the scheduled time.
  
  Trip Cancellation & Interruption
  If the trip is cancelled or interrupted due to any medical emergency, personal employment problems or natural disaster. The Company will take care of any non-refundable prepaid payments or additional expenses.
  
  Missed Connection
  If the Insured Person misses his/her connecting flight due to its delay in arrival by more than 3 hours, the Company provides compensation for the additional expenses incurred.
  
  Personal Liability
  Reliance multi trip travel insurance offers compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by the Insured / Insured Person abroad.
  
  Financial Emergency Assistance
  Reliance multi trip travel insurance provides financial assistance in the event of a financial emergency arising due to theft
  
  Hijack Allowance
  Reliance multi trip travel insurance provides an allowance in the event of hijack of a common carrier for more than 12 hours in which the Insured is traveling on a trip.
  
  Home burglary insurance
  Reliance multi trip travel insurance provides compensation against any loss or damage caused by burglary of the contents of Insured / Insured Person home in India, while he / she is on a trip abroad.
  
  

• Exclusions of Reliance Annual Multi Trip insurance

  At Reliance General Insurance, we would like things to be as transparent as possible. To ensure that you do not face any misunderstanding when you make a claim, we would like you to know some of the major exclusions under the Policy.
  1. Medical expenses towards treatment of any pre-existing illness (unless of life threatening nature), pregnancy or complication related to the same (unless of life threatening nature), suicide, self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcohol/drug abuse, dangerous sports, HIV/ AIDS etc will not be payable.
  2. No claim will be paid if the Insured Person.      a. Is travelling against the advice of a Physician
          b. Is receiving or on a waiting list for specified medical treatment declared in the Physician's report or certificate
          c. Is travelling for the purpose of obtaining treatment
          d. Has received a terminal prognosis for a medical condition
  3. No claim will be paid towards theft or loss of passport when left unattended or not informed to Police authorities.
  4. In case of loss of checked baggage, no partial loss or damage shall become payable.
  5. No claim will be payable towards loss arising out of War and Nuclear perils.
          a. No Medical Check Up
          b. Comprehensive coverage through various unique benefits like compassionate visit, home burglary Insurance, Financial Emergency Assistance etc
          c. Custom made plans (Standard, Plus and Elite)
          d. Option of an annual Plan covering multiple trips to benefit Frequent Travellers.
          e. Per -day Basis coverage for short-term trips.
          f. Coverage for Pre-existing Ailments and Maternity -in case of life threatening situations.
          g. Coverage available for sports persons and trip involving winter/adventurous sports (subject to prior declaration, premium loading and underwriting approval)
          h. 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
          i. 24 hour Emergency Cashless Services offered through Emergency Assistance Service Provide