Travel Insurance
The Reliance Travel insurance covers the insured for unanticipated financial disaster that arises due to an emergency.
Know more »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.
Reliance Travel Insurance offers emergency coverage for pre-existing medical conditions for travelers aged up to 70 years. In the event that a declared pre-existing illness results in a life-threatening emergency during your journey, Reliance will cover treatment costs up to 10% of the insured amount, as per the policy terms. However, routine care, scheduled treatments, or serious conditions such as cancer, cardiac surgery, or insulin-dependent diabetes are excluded from the coverage. It is important that you declare your health conditions while purchasing the policy to get coverage.
50,000 /100,000 / 250,000 / 500,000
180 days( can be extended for further)
180 days to 99 years
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 |
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.
Examples of Critical Life-Threatening EmergenciesA 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.
In most Indian travel insurance policies including Reliance Travel Insurance insulin-dependent diabetes is not covered under pre-existing condition coverage.
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.
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.
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.
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.
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.
No, only emergency treatment during the trip is covered. Post-treatment follow-ups or rehabilitation after discharge from the hospital are not included.
No, trip delays or cancellations due to pre-existing conditions are not covered. Coverage applies only for emergency medical treatment abroad.
Typical documents include:
No. Ongoing treatments like dialysis, chemotherapy, or planned procedures related to pre-existing conditions are excluded, even in case of emergencies.
The Reliance Travel insurance covers the insured for unanticipated financial disaster that arises due to an emergency.
Know more »Reliance multi trip frequent flier insurance ensures insurance cover for the business men and frequent travelers.
Know more »Overseas Travel Care Senior Citizen Insurance Policy is for the age of 71 year to 90 years.
Know more »Specially designed Plan, keeping in mind the travel requirements in Far East Asian Countries.
Know more »Tips to find good and adequate international travel health insurance.
Know more »Comparison of overseas Healthcare cost and popular tourist destinations.
Know more »How to use visitor insurance in case of sudden sickness and accidents.
Know more »You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.
Know more »Travelers who have already traveled from India and do not have insurance can buy Reliance travel medical insurance after approval.
Know more »Insurance customers can renew their existing policy online before the exipry date at any time.
Know more »In case of a claim or reimbursement of treatment expenses, notify Reliance by contacting them.
Know more »Kindly refer the Reliance travel insurance policy wordings for complete coverage details along with terms and conditions.
Know more »Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.
Know more »