What is the deadline to submit documents for reimbursement claims?

Documents should ideally be submitted within 30 days of the incident or upon return to India, whichever is earlier. If still abroad, scanned copies can be sent to the Assistance Company.

What are the standard documents required for claim submission?

Duly filled Claim Form Copy of Passport with boarding pass/e-ticket Original medical bills, prescriptions, reports PAN Card, Aadhar, and cancelled cheque with NEFT form FIR/Police report if applicable

Why might a claim be rejected?

Claims may be rejected due to: Incomplete or incorrect details, Missing documents, Policy exclusions (e.g., undisclosed pre-existing conditions), Late intimation beyond allowed timelines

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Reliance travel insurance claims procedure

Reliance travel insurance claims procedure

Q: How and when should I intimate a claim under Reliance Travel Insurance policy?

You must notify the Assistance Partner (Europ Assistance) or Reliance General Customer Support within 24 hours of a medical emergency or incident abroad. Delay in intimation can lead to denial of cashless claims or claim rejection.

Q: What is the difference between Cashless and Reimbursement claims?

Cashless Claims apply for inpatient hospitalization. Reliance settles bills directly with the hospital via its assistance partner. Reimbursement Claims are for outpatient treatments, where the insured pays first and submits documents later for refund.

Please intimate as soon as a claim occurs, to our service provider, Europ Assist who would assist you with the claim form and procedure.
Please choose any of the below options to intimate your claim.

Contact help line numbers as given in the Reliance toll free numbers page
Email at : [email protected]

Please provide the following information when you intimate a claim:

Your Contact numbers
Policy Number
Name of Injured person
Date & Time of Loss
Location of loss
Nature of accident ( if any)
Nature of injury / sickness
Place & contact details of insured

Our Service Center is equipped to provide you with the necessary guidance in your situation, and will direct you on claims procedure.

Note: Failure to call this number in respect of Medical Accident & Sickness Claims (Travel) shall invalidate your claim, if any. In case of OPD treatment (where hospitalization is not required), please collect all bills and receipts and submit on return to India.

Documents required *	Procedure
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/Medical records/Consultation Papers Copy of passport/Visa with Entry & exit stamp 7.Pan Card 8.Aadhar Card Copy NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details.	Intimate the airline about your loss and lodge complaints Claim Form can be obtained from our Service Center. Fill in the Claim Form and send all documents to our Service centre at the address given below
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/Proof of compensation received from Airlines/Other authorities, if any Copy of passport/Visa with Entry & exit stamp/. /Complete travel itinerary. Pan Card Aadhar Card Copy NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details.	Intimate the airline about your loss and lodge complaints Claim Form can be obtained from our Service Center. Fill in the Claim Form and send all documents to our Service centre at the address given below
Delay of Baggage
Claim form, Copies of baggage tags Copies of Correspondence with the Airline authorities certifying about the delay (confirming the date of delivery of the baggage and the actual flight time) Property Irregularity Report (obtained from Airline) Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period. Copy of passport/Visa with Entry & exit stamp/. /Complete travel itinerary. Details of compensation received from airlines, if any. Pan Card Aadhar Card Copy NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details.	Obtain confirmation of the delay from the airline Claim Form can be obtained from our Service Center. Fill in the Claim Form and send all documents to our Service centre at the address given below
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. Copy of passport/Visa with Entry & exit stamp/. /Complete travel itinerary. Pan Card & Aadhar Card Copy NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details.	Claim Form can be obtained from our Service Center. Fill in the Claim Form and send all documents to our service centre at the address given above.
Loss of Passport
Duly Signed Claim Form stating exact circumstances of the loss 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 Pan Card Aadhar Card Copy New passport copy or certificate of travel issued. NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details.	File a complaint with the local police Contact with the Indian Embassy, where ever necessary Submit all documents to our Service centre at the address given above.
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. Copy of passport/Visa with Entry & exit stamp/. /Complete travel itinerary. f.Pan Card & Aadhar Card Copy g. NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details.	Inform our service provider immediately giving full details of the incident. Do not commit any benefit/compensation or enter into any agreement. Submit all documents to our Service centre at the address given above, along with a detailed statement
Hijack
Full statement of the events in writing Claim Form Airline correspondence (copy of Passenger List etc.) Copy of ticket/ Boarding Pass NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details	Claim Form can be obtained from our Service Center. Fill in the Claim Form and send all documents to our Service centre at the address given above
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 Pan Card copy Aadhar Card Copy NEFT form and Cancelled cheque stating insured’s / Claimant Indian Bank account details.	Collect all documents pertaining to the loss including correspondence with Carrier and send to our Service Centre at the address given below. Claim Form can be obtained from our Service Center.
Financial Emergency Assistance
Date of loss Copy of FIR/ Police Report Pan Card copy Aadhar Card Copy Copy of passport/Visa with Entry & exit stamp/	File a complaint with the local police Submit all documents to our Service centre at the address given above, along with a detailed statement
Bail Bond
Provide the court order stipulating the required amount as bail bond Police report	File a complaint with the local police Contact with the Indian Embassy, where ever necessary. Submit all documents to our Service centre at the address given above, along with a detailed statement
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	Inform our service provider immediately giving full details of the incident. Submit all documents to our Service centre at the address given above, along with a detailed statement
Compassionate Visit
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.	Inform our service provider immediately giving full details of the incident. Do not commit any benefit/compensation or enter into any agreement. Submit all documents to our Service centre at the address given above, along with a detailed statement
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	Inform our service provider immediately giving full details of the incident. Submit all documents to our Service centre at the address given above, along with a detailed statement

* Note: We may call for additional documents/ information as relevant.
** If any hospital does not submit a bill to you for the treatment/service rendered, please intimate our Service Center before you leave the hospital.

Procedure to file the claim documents:

All claim documents as per the document checklist to be sent to the office of our service provider, M/s

Address : Claims Department

Medical Assistance & Emergency Services are implemented by our Service Providers EUROP ASSISTANCE INDIA PVT LTD. 7th Floor, Star Hub, Bldg No. 2, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai – 400 059, INDIA.

Website : www.europ-assistance.com

TAT :

On receipt of the intimation, claim form and document checklist will be sent within 24 hrs.
Claim processing within 7 (seven) working days from the receipt of complete claim documents.

Disclaimer : Eindiainsurance markets Reliance various insurance products. However Eindiainsurance is not responsible for any claims. Claims are settled directly by the Reliance General Insurance Company Limited.

How and when should I intimate a claim under Reliance Travel Insurance policy?

You must notify the Assistance Partner (Europ Assist) or Reliance General Customer Support team within 24 hours of a medical emergency or incident while abroad. A delay in reporting the claim could lead to Cashless settlement being denied or the claim itself being repudiated.

What is the deadline to submit claim documents for Reimbursement Claims?

While emergency events must be reported immediately (latest within 24 hrs), supporting documents (like bills/reports) should ideally be submitted within 30 days of the incident or on the insured’s return to India, whichever is earlier. If the insured is still abroad, the scan copies of the required documents can be shared with the Assistance Company/Insurance partner.

What is the difference between Cashless and Reimbursement claims for Reliance Travel Insurance?

Cashless: This settlement normally happens when you are admitted as an Inpatient while abroad. Hospital bills are submitted directly by the hospital to Reliance General Insurance through the Assistance Partner and are directly settled by Reliance (up to policy limits and as per policy terms and conditions). Expected for hospitalizations over 24 hours.

Reimbursement: Normally paid for Outpatient claims, where You have not been admitted but have sought treatment by visiting the Emergency or a Clinic. Once you pay upfront to the doctor/hospital/pharmacy, you can then submit all original documents and the claim form to receive the reimbursement later.

What are the standard documents required for claims?

The following are the normally required claims supporting documents, especially for a reimbursement claim…

Duly filled Claim Form
Copy of passport with boarding passes or e tickets
Original bills, receipts, invoices, and medical reports for treatment taken
PAN Card, Aadhar Card, and NEFT form with cancelled cheque
FIR/Police report (if applicable)

Which additional documents are needed for specific claim types?

While the standard documents are required including Claim Form, Passport/Ticket Copies, FIR, Original Medical bills etc, there are also some additional documents required for particular types of claims, which are listed below:

Medical: Hospital Discharge summary, Prescriptions, Detailed Attending Doctor’s reports
Baggage Delay/Loss: Property Irregularity Report provided by the Airline(Common Carrier), Baggage tag information, Airline correspondence, Compensation if any provided by the Airlines
Passport loss: FIR, Duplicate/Temporary passport copy provide by Authorities, Prrof of expenses incurred related to the Duplicate Passport
Trip Cancellation/Interruption: Airline/Hotel booking confirmation vouchers, Cancellation mails exchanged with the Airline/Hotel, Medical documents if relevant

Can someone else file a claim on my behalf?

Yes. A family member or accompanying person can register a claim, as long as they provide your policy number and personal details.

Who should I contact for help or claim-related queries?

International: Europ Assistance – paid helpline numbers on your policy
Domestic: RCare helpline +91 22 48903009 or 1800 209 5522
Email: [email protected] (for International Medical and Non Medical Claims )

How long does it take to settle a claim?

Reimbursement claims typically process within 7–15 days after submission of all valid documents to the Insurance company directly on your return to India. Cashless settlements are done immediate at network hospitals, where the Guarantee of Payment (GOP) is placed with this hospital within 4-6 hours after the claim/incident has been reported.

Why might my claim be rejected?

Common reasons include:

Incomplete or incorrect information
Missing required documents
Claim for exclusionary events (e.g., pre-existing conditions not disclosed)
Non-compliance with policy terms (e.g., delay in intimation)

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