Reliance individual travel insurance

Reliance Individual travel insurance overview

• Customised Coverage

  Policy gives you protection to meet your unique needs.
  
  

  Convenient for you

  1. Insurance gives you the maximum coverage with minimal paperwork.
  2. Planning a long trip? - With reliance travel care Gold plan, wider durations can be covered - upto 182 days, which is extendable upto 365 days.
  3. Automated extensions of policy in case certain eventualities.
  4. 24 Hour Emergency Cashless Services offered through Emergency Assistance Service Provider.

  Coverage for sports persons

  Policy provides coverage for sports persons subject to certain conditions
  
  

• Standard Plan	Silver Plan	Gold Plan	Platinum Plan	Deductible
  Medical Expenses Incl.transportation, evacuation and repatriation of mortal remains
  $50,000	$100,000	$250,000	$500,000	$50
  Dental Care Expenses
  $500	$500	$500	$500	$50
  Personal Accident
  $15,000	$20,000	$25,000	$30,000	Not Available
  Accidental Death & Dismemberment- Common Carrier
  $2,500	$2,500	$5,000	$5,000	Not Available
  Daily Allowance in case of Hospitalization
  Not Available	$25 per day up to 5 days Max	$25 per day up to 6 days max	$25 per day up to 7 days max	2 Days
  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	Not Available
  Loss of Passport
  $300	$300	$300	$300	$25
  Total Loss of Checked Baggage*
  $500	$1,000	$1,200	$1,500	Not Available
  Delay of Checked Baggage
  $100	$100	$100	$100	12 hours
  Trip Delay
  Not Available	$25 per day up to 6 days max	$50 per day up to 6 days max	$60 per day up to 6 days max	12 hours
  Trip Cancellation & Interruption
  Not Available	$600	$600	$600	Not Available
  Missed Connection
  Not Available	$200	$300	$500	Not Available
  Personal Liability
  $50,000	$100,000	$200,000	$250,000	Not Available
  Financial Emergency Assistance
  Not Available	$300	$300	$300	Not Available
  Hijack Distress Allowance
  Not Available	$50 per day up to 7 days max	$75 per day up to 7 days max	$125 per day up to 7 dyas max	12 hours
  Home Burglary Insurance (INR)
  Not Available	$100,000	$200,000	$300,000	Not Available
  Special Conditions for 61-70 years. (limit of liability)
  Any One Illness
  $12,000	$13,500	$15,000	$17,500	Not Available
  Any One Accident
  $20,000	$25,000	$30,000	$35,000	Not Available

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

• Standard coverage definitions

  Under all the plans that are offered by Reliance, the coverage definitions remain the same and are listed down below. These are brief descriptions, please refer to the policy terms and conditions for the detailed descriptions of these benefits:
  
  

  • Medical Expenses including Transportation and Evacuation

    The Company 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

    The Company 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.

  • Personal Accident

    The Company shall pay compensation if the Insured / Insured Person unfortunately sustain accidental bodily injury during the trip.

  • Accidental Death and Dismemberment-Common Carrier

    The Company 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.

  • Two way Compassionate Visit

    The company will reimburse the return fare for an immediate family member to visit you or for you to visit your family member in case of hospitalization extending to more than seven consecutive days.

  • Loss of Passport

    The Company will reimburse actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss

  • Total Loss of Checked Baggage

    The Company shall compensate the Insured / Insured Person for the total loss of checked-in baggage caused by a carrier.

  • Personal Liability

    The Company 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.

  • Trip Delay

    Reimbursement of additional expenses occurred due to trip delay (only if the trip has been delayed for more than 12 hours).

  • Bail Bond

    The Company will arrange to pay the bail amount to the appropriate authority / court, on behalf of the insured person if the person have been arrested or detained by police or judicial authorities for any bailable offence whilst abroad.

  • Study Interruption

    If the Insured Persons education abroad has been interrupted on account of a medical condition, the company will reimburse the current semester fee already paid.

  • Sponsor Protection

    In case the sponsor, who is taking care of the Insured Person tuition fees is injured resulting in his demise, the Company will reimburse the tuition fees.

  • Repatriation of Remains

    Covers cost of repatriation of mortal remains to India.

  • Financial Emergency Assistance

    Insurance provides financial assistance in the event of a financial emergency arising due to theft

  • Hijack Allowance

    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.

  • 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.

  • 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 Individual Travel Insurance

  At Reliance General Insurance, we would like things to be as transparent as possible. To ensure that you do not face any misunderstandings when you make a claim, this insurance would like you to know some of the major exclusions under the Policy. The claim will not be valid if the insured is:

  • Travelling against the advice of a 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