Reliance Travel Pre-existing Medical Conditions

Reliance travel Pre-existing Medical Conditions FAQ’s

What is a life-threatening emergency in the context of travel insurance?

A life-threatening emergency is defined as a medical condition or event that presents an immediate and significant threat to an individual's life if not addressed without delay. In terms of travel insurance policies concerning pre-existing conditions, this implies that the insurer will provide coverage for treatment only if the pre-existing illness leads to a scenario that may force you to urgent, emergency medical care to avert death.

A traveler with a background of heart disease experiences a heart attack while on the move. A diabetic individual (not reliant on insulin) encounters a diabetic coma or extreme hypoglycemia. A person with mild asthma suffers a serious asthma attack necessitating admission to the ICU. An individual with high blood pressure endures a stroke or a severe hypertensive crisis. Acute renal failure necessitating emergency dialysis in a traveler with minor pre-existing kidney problems.

Is insulin-dependent diabetes covered under travel insurance?

In most Indian travel insurance policies including Reliance Travel Insurance insulin-dependent diabetes is not covered under pre-existing condition coverage.

Do I need to submit medical reports to get coverage for pre-existing conditions?

No. Medical reports are not required at the time of policy purchase, but you must declare your pre-existing condition truthfully in the proposal form. If a claim arises, the insurer may request medical records for verification.

What happens if I don't declare my pre-existing condition?

Your claim may be rejected entirely if it’s related to an undeclared pre-existing illness. Always disclose health conditions upfront, even if you assume them as minor.

Is high blood pressure or cholesterol covered under this policy?

Yes, if they are non-critical, well-managed, and declared during purchase, they may be covered for life-threatening emergencies under the pre-existing condition clause.

Can I extend my policy duration if I’m already abroad?

Yes, policy extensions are allowed only if no claims have been made and the request is made before the policy expiry. You must get approval from the insurer.

Will my treatment be covered if I visit a hospital that’s not in the network?

Yes, you can visit any hospital. However, cashless treatment is available only at network hospitals. If treated at a non-network hospital, you can submit a reimbursement claim.

Are follow-up visits or rehabilitation covered after a medical emergency?

No, only emergency treatment during the trip is covered. Post-treatment follow-ups or rehabilitation after discharge from the hospital are not included.

Can I claim if a pre-existing condition causes a travel delay or trip cancellation?

No, trip delays or cancellations due to pre-existing conditions are not covered. Coverage applies only for emergency medical treatment abroad.

What documents are required when making a claim related to a pre-existing condition?

Typical documents include:

• Policy copy
• Hospital bills and discharge summary
• Doctor’s diagnosis reports
• Medical history proof (if requested)
• Declaration proof of pre-existing illness (proposal form)

Is dialysis or chemotherapy covered under this policy?

No. Ongoing treatments like dialysis, chemotherapy, or planned procedures related to pre-existing conditions are excluded, even in case of emergencies.