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Reliance Insurance Plans Reliance Travel Pre-existing Medical Conditions

Unique features of Pre-existing medical conditions insurance

  • task_altTravel Insurance Plans starting at just ₹81* per day
  • health_and_safetyTravelers below 70 years are covered for pre-existing conditions in case of life threatening only.
  • local_hospitalOnly declared and non-critical illness / diseases are covered for below 70 year old travelers.
  • flight_takeoffWhether declared or not declared, 70+ Senior citizens are not covered for pre-existing diseases.

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.

Pre-existing Medical Conditions best quotes

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Can you get travel insurance that covers pre-existing conditions?

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.

Pre Exisiting

What are the key highlights of Reliance Travel Insurance?

assignment
Sum Insured (US dollars)

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

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Tenure Options

180 days( can be extended for further)

person
Age of Entry

180 days to 99 years

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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.

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.

Examples of Critical Life-Threatening Emergencies

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.

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