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Relaince vs Care Travel insurance

Reliance vs Care Travel insurance

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Reliance travel insurance vs Care travel insurance cost

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Compare Reliance vs Care Travel insurance


Standard Plan	Silver Plan	Gold Plan	Platinum Plan	Explore Gold ^?	Explore Platinum ^?
Available Max Coverage Options
$50,000	$100,000	$250,000	$500,000	$50,000, $100,000, $300,000, $500,000	$50,000, $100,000, $300,000, $500,000
Accident & Sickness Medical Expenses: ^?
$50,000Deductible: $50	$100,000Deductible: $50	$250,000Deductible: $50	$500,000Deductible: $50	In-patient: Up to $50,000 Out-patient: Up to $50,000 Deductible: $100 / € 75	In-patient: Up to $50,000 Out-patient: Up to $50,000 Deductible: $100 / € 75
Medical Evacuation: ^?
Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	$50,000	$50,000
Repatriation of Remains: ^?
Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	Included under Medical Expenses	$50,000	$50,000
Pre-existing Cover
Pre-Existing disease coverage only in case of life threatening conditions.	Pre-Existing disease coverage only in case of life threatening conditions.	Pre-Existing disease coverage only in case of life threatening conditions.	Pre-Existing disease coverage only in case of life threatening conditions.	10% of Sum Insured Deductible: $100 / € 75	10% of Sum Insured Deductible: $100 / € 75
Accidental Death & Dismemberment: ^?
$15,000	$20,000	$25,000	$30,000	$15,000	$15,000
AD & D Common Carrier
$2,500	$2,500	$5,000	$5,000	NA	$5,000
Dental Treatment: ^?
$500Deductible: $50	$500Deductible: $50	$500Deductible: $50	$500Deductible: $50	$300 Deductible: $100 / € 75	$300 Deductible: $100 / € 75
Personal Liability: ^?
$50,000	$100,000	$200,000	$250,000	$100,000 Deductible: $100 / € 75	$100,000 Deductible: $100 / € 75
Loss of Checked Baggage: ^?
$500	$1,000	$1,200	$1,500	$100	$100
Baggage Delay: ^?
$100Deductible: 12 hours	$100Deductible: 12 hours	$100Deductible: 12 hours	$100Deductible: 12 hours	$100 Deductible: 12 hours	$100 Deductible: 12 hours
Loss of PassPort: ^?
$300Deductible: $25	$300Deductible: $25	$300Deductible: $25	$300Deductible: $25	$300	$300
Hijack Distress Allowance
NA	$50 per day up to Max.7 daysDeductible: 12 hours	$75 per day up to Max. 7 daysDeductible: 12 hours	$125 per day up to Max. 7 daysDeductible: 12 hours	NA	NA
Daily allowance in case of hospitalization
NA	$25 per day up to Max. 5 daysDeductible: 2 day	$25 per day up to Max. 6 daysDeductible: 2 day	$25 per day up to Max. 7 daysDeductible: 2 day	$25 per day, max 5 days Deductible: 2 days	$25 per day, max 5 days Deductible: 2 days
Flight Delay
NA	$25 per day up to Max. 6 daysDeductible: 12 hrs	$50 per day up to Max. 6 daysDeductible: 12 hrs	$60 per day up to Max. 6 daysDeductible: 12 hrs	NA	NA
Trip Cancellation
NA	$600	$600	$600	$1,000	$1,000
Missed Connection: ^?
NA	$200	$300	$500	NA	NA
Emergency Cash Advance: ^?
NA	$300	$300	$300	NA	NA
Home Burglary Insurance: ^?
NA	1 Lakh	2 Lakhs	3 Lakhs	NA	NA
Important Points
Reliance offers benefits per policy period. Medical Sublimits for Reliance starts from the age of 61 yrs. Travelers from 6 months to 90 years can buy the insurance for 182 days Reliance can be renewed up to 182 days, Sum total of initial and each subsequent renewal not exceeding 360 days Senior citizens aged between 71-90 years can by the Reliance senior citizen insurance without giving any medical reports Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness) Pre existing diseases are covered in case of life threatening only for travelers up to 70 years. Some of the pre existing diseases which are not covered by Reliance travel insurance plan are Cancer / Leukemia / Malignant Tumor, Cardiac ailments, Chronic obstructive pulmonary disease (COPD), HIV /AIDS, Kidney Ailment, Liver Disease, Neurological Disorder / Stroke / Paralysis, Thalasemia, Insulin Dependent Diabetes				Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum Region specific plans to suit your needs for Europe, Asia and African continent. Double Sum Insured in case of Accidental Hospitalisation Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum Infant child of age 1 day can be insured under Care travel insurance Buy the policy for 180 days and you can renew the policy for another 180 days

Explore Gold

Explore Platinum

>

Companion Age

Medical Expenses due to any one illness : $12,500
Medical Expenses due to any one accident: $25,000

Elite Age Silver

Medical Expenses due to any one illness : $12,500
Medical Expenses due to any one accident: $25,000

Prime Age Silver

Medical Sublimits for any one illness & accident (are as shown below)

Assist Age

Medical Expenses due to any one illness : $12,500
Medical Expenses due to any one accident: $25,000

*GST included

Accident & Sickness Medical Expenses: ^?

In-patient: Up to $50,000
Out-patient: Up to $50,000

Deductible: $100 / € 75

In-patient: Up to $50,000
Out-patient: Up to $50,000

Deductible: $100 / € 75

$50,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

$50,000

Deductible: $100

Repatriation of Remains: ^?

$50,000

Included under Medical Expenses

$5,000 (Included under Medical Expenses)

Included under Medical Expenses

Pre-existing Cover

10% of Sum Insured

Deductible: $100 / € 75

10% of Sum Insured

Deductible: $100 / € 75

Not covered

$300

Accidental Death & Dismemberment: ^?

$15,000

$10,000

$15,000

$25,000

AD & D Common Carrier

$5,000

$2,500

Dental Treatment: ^?

$300

Deductible: $100 / € 75

$300

Deductible: $100 / € 75

$500

Deductible: $100

$500

Deductible: $100

$500

Deductible: $100

$500

Deductible: $100

Personal Liability: ^?

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100

$100,000

Deductible: $100

$100,000

Deductible: $100

$200,000

Deductible: $200

Loss of Checked Baggage: ^?

$100

$250

$500

Deductible: Nil

$500

Deductible: Nil

$250

Baggage Delay: ^?

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of PassPort: ^?

$300

$250

Deductible: $25

$250

Deductible: $25

$250

Deductible: $25

$250

Deductible: $25

Hijack Distress Allowance

$50 per day to max $300

Daily allowance in case of hospitalization

$25 per day, max 5 days

Deductible: 2 days

$25 per day, max 5 days

Deductible: 2 days

$20 per day to max $100

$25 per day to max $100

Flight Delay

$20 per 12 hrs, maximum $120

Deductible: 12 hrs

$25 per 12 hrs, maximum $120

Deductible: 12 hrs

Trip Cancellation

$1,000

$500

Missed Connection: ^?

$100

Deductible: 12 hrs

Emergency Cash Advance: ^?

$500

Home Burglary Insurance: ^?

$5,000

Rs1,00,000

Important Points

Gold and Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years
For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum
Region specific plans to suit your needs for Europe, Asia and African continent.
Double Sum Insured in case of Accidental Hospitalisation
Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum
Infant child of age 1 day can be insured under Care travel insurance
Buy the policy for 180 days and you can renew the policy for another 180 days

Reliance plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Reliance travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

Sublimits are applicable for age 61 and above. However this sublimits are not applicable for travelers who buy a Explore Platinum plan

Medical Expenses	Sub-limits (For age 61 years & above).
Room Rent including boarding and lodging	1.5% of the Sum Insured subject to a maximum of US $ 2,000 per day / Euro 1,500 per day
ICU Charges	2% of the Sum Insured subject to a maximum of US $ 3,000 per day / Euro 2,250 per day
Operation Theatre Charges (including surgeon charges)	10% of the Sum Insured subject to a maximum of US $ 20,000 per Claim / Euro 15,000 per Claim
Anesthesia	25% of the surgery cost payable
Ambulance Services	US $ 500 per Claim / Euro 375 per Claim
Diagnostics and Radiology Services	US $ 1,000 per Claim / Euro 750 per Claim
Medical Practitioners visit fees	US $ 100 per visit / Euro 75 per visit subject to maximum of 10 visits per Claim
Miscellaneous Expenses	US $ 1,000 per Claim / Euro 750 per Claim

Medical Sublimit under Medical expenses for age 61 -70 years who have purchased TRAVEL PRIME PLAN

Medical Sublimit under Medical expenses	Prime Age Silver	Prime Age Gold	Prime Age Platinum	Prime Age Super Platinum	Prime Age Maximum
Hospital Room, Board and Hospital miscellaneous	$1,200 per day	$1,500 per day	$1,700 per day	$2,000 per day	$2,300 per day
Intensive Care Unit	$2,000 per day	$2,500 per day	$2,500 per day	$3,000 per day	$3,200 per day
Surgical Treatment	$8000	$9,000	$11,500	$15,000	$20,000
Anesthetist Services	25% of Surgeons Charges	25% of Surgeons Charges	25% of Surgeons Charges	25% of Surgeons Charges	25% of Surgeons Charges
Physician's Visit	$50 per day	$75 per day	$75 per day	$100 per day	$150 per day
Diagnostic and Pre-Admission Testing	$400	$500	$600	$1,000	$1,500
Ambulance Services	$300	$400	$500	$600	$1,000

Explore Gold

Explore Platinum

Senior Citizen With Sublimits

Prime Super Age With Sublimits

*GST included

Accident & Sickness Medical Expenses: ^?

In-patient: Up to $50,000
Out-patient: Up to $50,000

Deductible: $100 / € 75

In-patient: Up to $50,000
Out-patient: Up to $50,000

Deductible: $100 / € 75

$50,000

Deductible: $100

$50,000

Deductible: $100

Medical Evacuation: ^?

$10,000

Included under Medical Expenses

Repatriation of Remains: ^?

$10,000

Included under Medical Expenses

$7,000 (Included under Medical Expenses)

Personal Liability: ^?

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100

$15,000

Loss of Checked Baggage: ^?

$100

$500

Checked in Baggage Delay

$100

Deductible: 12 hours

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of PassPort: ^?

$300

$250

Deductible: $25

$150

Deductible: $25

Important Points

Gold and Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years
For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum
Region specific plans to suit your needs for Europe, Asia and African continent.
Double Sum Insured in case of Accidental Hospitalisation
Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum
Infant child of age 1 day can be insured under Care travel insurance
Buy the policy for 180 days and you can renew the policy for another 180 days

Reliance plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Reliance travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

Sublimits are applicable for age 61 and above. However this sublimits are not applicable for travelers who buy a Explore Platinum plan

Medical Expenses	Sub-limits (For age 61 years & above).
Room Rent including boarding and lodging	1.5% of the Sum Insured subject to a maximum of US $ 2,000 per day / Euro 1,500 per day
ICU Charges	2% of the Sum Insured subject to a maximum of US $ 3,000 per day / Euro 2,250 per day
Operation Theatre Charges (including surgeon charges)	10% of the Sum Insured subject to a maximum of US $ 20,000 per Claim / Euro 15,000 per Claim
Anesthesia	25% of the surgery cost payable
Ambulance Services	US $ 500 per Claim / Euro 375 per Claim
Diagnostics and Radiology Services	US $ 1,000 per Claim / Euro 750 per Claim
Medical Practitioners visit fees	US $ 100 per visit / Euro 75 per visit subject to maximum of 10 visits per Claim
Miscellaneous Expenses	US $ 1,000 per Claim / Euro 750 per Claim

Medical Sublimit under Medical expenses for age 71-99 years who purchase PRIME SUPER AGE PLAN

Hospital Room, Board and Hospital miscellaneous	$1,200 per day
Intensive Care Unit	$2,000 per day
Surgical Treatment	$8000
Anesthetist Services	25% of Surgeons Charges
Physician's Visit	$50 per day
Diagnostic and Pre-Admission Testing	$400
Ambulance Services	$300

Explore Gold
($50,000)

Senior Citizen Plan With Sublimits
$50,000

Any One Illness: $8,500 for 71-75, $7,500 for 76-80 & $5,000 for 81-85 age group Any One Accident: $20,000 for 71-85 age group

Prime Super Age With Sublimits
$50,000

Medical Sublimits are as shown below

*GST included

Accident & Sickness Medical Expenses: ^?

In-patient: Up to $50,000
Out-patient: Up to $50,000

Deductible: $100 / € 75

$50,000

Deductible: $100

$50,000

Deductible: $100

Medical Evacuation: ^?

$10,000

Included under Medical Expenses

Repatriation of Remains: ^?

$10,000

Included under Medical Expenses

$7,000 (Included under Medical Expenses)

Personal Liability: ^?

$100,000

Deductible: $100 / € 75

$100,000

Deductible: $100

$15,000

Loss of Checked Baggage: ^?

$100

$500

Checked in Baggage Delay

$100

Deductible: 12 hours

$100

Deductible: 12 hours

Loss of PassPort: ^?

$300

$250

Deductible: $25

$150

Deductible: $25

Important Points

Gold and Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years
For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum
Region specific plans to suit your needs for Europe, Asia and African continent.
Double Sum Insured in case of Accidental Hospitalisation
Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum
Infant child of age 1 day can be insured under Care travel insurance
Buy the policy for 180 days and you can renew the policy for another 180 days

Reliance plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Reliance travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

Sublimits are applicable for age 61 and above. However this sublimits are not applicable for travelers who buy a Explore Platinum plan

Medical Expenses	Sub-limits (For age 61 years & above).
Room Rent including boarding and lodging	1.5% of the Sum Insured subject to a maximum of US $ 2,000 per day / Euro 1,500 per day
ICU Charges	2% of the Sum Insured subject to a maximum of US $ 3,000 per day / Euro 2,250 per day
Operation Theatre Charges (including surgeon charges)	10% of the Sum Insured subject to a maximum of US $ 20,000 per Claim / Euro 15,000 per Claim
Anesthesia	25% of the surgery cost payable
Ambulance Services	US $ 500 per Claim / Euro 375 per Claim
Diagnostics and Radiology Services	US $ 1,000 per Claim / Euro 750 per Claim
Medical Practitioners visit fees	US $ 100 per visit / Euro 75 per visit subject to maximum of 10 visits per Claim
Miscellaneous Expenses	US $ 1,000 per Claim / Euro 750 per Claim

Medical Sublimit under Medical expenses for age 71-99 years who purchase PRIME SUPER AGE PLAN

Hospital Room, Board and Hospital miscellaneous	$1,200 per day
Intensive Care Unit	$2,000 per day
Surgical Treatment	$8000
Anesthetist Services	25% of Surgeons Charges
Physician's Visit	$50 per day
Diagnostic and Pre-Admission Testing	$400
Ambulance Services	$300

Explore Gold
($50,000)

Prime Super Age With sublimits
$50,000

*GST included

Accident & Sickness Medical Expenses: ^?

In-patient: Up to $50,000
Out-patient: Up to $50,000

Deductible: $100 / € 75

$50,000

Deductible: $100

Medical Evacuation: ^?

$10,000

Included under Medical Expenses

Repatriation of Remains: ^?

$10,000

$7,000 (Included under Medical Expenses)

Personal Liability: ^?

$100,000

Deductible: $100 / € 75

$15,000

Loss of Checked Baggage: ^?

$100

$500

Checked in Baggage Delay

$100

Deductible: 12 hours

Loss of PassPort: ^?

$300

$150

Deductible: $25

Important Points

Gold and Platinum plans are Comprehensive Coverage plans for travelers up to aged 60 years
For travelers aged 61 and above, Gold is a Fixed benefit plan where medical sublimits are applicable while Platinum is a Comprehensive plan where medical expenses are covered up to the policy maximum
Region specific plans to suit your needs for Europe, Asia and African continent.
Double Sum Insured in case of Accidental Hospitalisation
Covers declared pre-existing conditions in case of life threatning up to 10% of policy maximum
Infant child of age 1 day can be insured under Care travel insurance
Buy the policy for 180 days and you can renew the policy for another 180 days

Reliance plans are available for travelers till the age of 98 years.
Wide range of plan options to suit travelers requirements and budget.
The Assist Card plan covers for pre-existing medical conditions for a limited amount depending on the plan choosen.
Initially plan can be purchased for 180 days and can be renewed for another 180 days. Renewal is on case to case basis.
Medical Sublimits for Reliance travel starts from the age of 61 years.
Senior citizens (71-99 years) can get $50,000 coverage for 180 days without medical checkup.

Sublimits

Sublimits are applicable for age 61 and above. However this sublimits are not applicable for travelers who buy a Explore Platinum plan

Medical Expenses	Sub-limits (For age 61 years & above).
Room Rent including boarding and lodging	1.5% of the Sum Insured subject to a maximum of US $ 2,000 per day / Euro 1,500 per day
ICU Charges	2% of the Sum Insured subject to a maximum of US $ 3,000 per day / Euro 2,250 per day
Operation Theatre Charges (including surgeon charges)	10% of the Sum Insured subject to a maximum of US $ 20,000 per Claim / Euro 15,000 per Claim
Anesthesia	25% of the surgery cost payable
Ambulance Services	US $ 500 per Claim / Euro 375 per Claim
Diagnostics and Radiology Services	US $ 1,000 per Claim / Euro 750 per Claim
Medical Practitioners visit fees	US $ 100 per visit / Euro 75 per visit subject to maximum of 10 visits per Claim
Miscellaneous Expenses	US $ 1,000 per Claim / Euro 750 per Claim

Medical Sublimit under Medical expenses for age 71-99 years who purchase PRIME SUPER AGE PLAN

Hospital Room, Board and Hospital miscellaneous	$1,200 per day
Intensive Care Unit	$2,000 per day
Surgical Treatment	$8000
Anesthetist Services	25% of Surgeons Charges
Physician's Visit	$50 per day
Diagnostic and Pre-Admission Testing	$400
Ambulance Services	$300

Traveler's age	Travel Standard	Travel Silver	Travel Gold	Travel Platinum
	$50,000	$100,000	$250,000	$500,000
0-40 years	₹1,407	₹1,992	₹2,312	₹2,722
41-60 years	₹2,041	₹2,443	₹2,927	₹3,517
61-70 years (Limited coverage)	₹3,664	₹4,409	₹5,026	₹7,976

Traveler's age	Senior Citizen
	$15,000	$50,000
71-80 years	₹3,664	₹6,865(Limited coverage)	₹15,788

Traveler's age	Senior Citizen
	$50,000
81 - 85 years	₹10,380
86 - 90 years	₹17,887

Traveler's age	Travel Standard	Travel Silver	Travel Gold	Travel Platinum
	$50,000	$100,000	$250,000	$500,000
0-40 years	₹1,212	₹1,342	₹1,543	₹1,897
41-60 years	₹1,385	₹1,484	₹1,708	₹2,602
61-70 years (Limited coverage)	₹2,429	₹2,972	₹3,185	₹5,597

Traveler's age	Senior Citizen
	$15,000	$50,000
71-80 years	₹2,429	₹4,993(Limited coverage)	₹5,991

Reliance vs Care Travel insurance

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Plan Name	$25,000	$50,000	$100,000	$200,000	$300,000	$500,000
Explore Gold Plan	N/A	₹1,740	₹2,063	₹2,458	₹2,028	₹3,594
Explore Silver Plan	₹1,092	₹1,505	₹1,854	₹2,285	N/A	N/A
Explore Platinum Plan	₹2,994	₹4,100	₹9,020	-	-	₹4,160