Reliance Travel Insurance for Pre Existing Conditions, Reliance Overseas mediclaim insurance for pre-existing diseases

Reliance travel insurance review

Sum Insured

USD 50,000/ 100,000 / 250,000 / 500,000

Claims settlement ratio **

20.5%

Incurred claims ratio

85%

Number of policies issued *

2,32,976

Number of lives covered *

2,52,075

Brochure

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Policy Wordings

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* As per IRDAI report | ** As per NL25 data published on the Insurance Company website

Reliance Pre-existing Medical Conditions insurance benefits

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

Pre existing diseases are covered in case of life threatening only for travelers below 70 years.
Covers pre-existing ailments in case of life threatening situations if declared (other than the critical illness).
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.