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Reliance Travel Insurance plan without sub-limits

Reliance travel insurance plan without sub-limits

Q: What is a “No Sublimit” travel insurance plan?

A No Sublimit travel insurance plan offers comprehensive medical coverage without imposing caps on specific expenses such as room rent, ICU charges, or surgery. It allows more flexibility during hospitalization abroad.

Q: How is Reliance’s No Sublimit plan different from regular travel insurance?

Unlike standard plans that set internal limits on medical expenses, this plan lets the insured claim up to the full sum insured without internal sublimits, subject to policy terms and conditions.

Q: Who should consider buying a No Sublimit travel insurance plan?

Travelers visiting countries with high healthcare costs—like the USA, Canada, UK, or Schengen countries—should consider this plan. It’s especially beneficial for senior citizens needing wider medical protection.

Q: Is the premium higher for No Sublimit plans?

Yes, the premium is slightly higher than regular plans because of the extensive coverage and absence of sublimits on medical expenses.

Q: Does this plan also cover non-medical benefits like trip cancellation or baggage loss?

Yes, Reliance’s No Sublimit plan includes additional non-medical benefits such as trip delays, baggage loss/delay, passport loss, and personal liability.

Experience true peace of mind with Reliance's revolutionary No Sub-limits travel insurance plan that eliminates caps on specific medical expenses. Unlike standard travel insurance policies that restrict payouts for room rent, ICU charges, surgeon fees, and other medical categories, this comprehensive plan allows you to claim up to your full sum insured without internal limitations.

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Reliance Travel Insurance starting at ₹24 per day*
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Cashless Inpatient Hospitalisation upto $500,000.
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Full Medical coverage under No Sublimit Plan.
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24X7 Claims Support Worldwide through Europ Assist.
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No Pre Travel Medical Tests for all Travelers .
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Pre Existing coverage in Life Threatening situations available.

What is sub limit in Reliance travel insurance?

Sublimits, in Travel Insurance policies are extra limitations in an insurance policy's coverage primarily Sickness Medical expenses. They are part of the sum insured limit, set a maximum limit to cover a specific loss or for a specific medical expense.

A sublimit restricts the payout for defined categories, such as medical treatments, room rent, or specific procedures, to a lower, specified amount, clearly displayed in the Policy terms and conditions. They are limited to travelers of advanced ages, normally starting above the age of 60 years in the case of Reliance Travel Insurance. In other words, a Sublimit in travel insurance is a specific cap placed on certain types of claims or expenses within your overall policy coverage. Some benefits under the Accident & Sickness cover which normally have sublimits are :

Hospital Room Rent and Boarding expenses
ICU Charges
Emergency Room Services
Surgical Treatment Expenses
Anaesthetist/Physician Consultation Charges
Diagnostic Tests / Testing Services
Pharmacy
Emergency Room Services
Non-Surgical (Medical Management cases)

Does Reliance travel insurance Plan without Sublimit plans offer better protection to the insured?

Offcourse, Travel Insurance plans without sublimit from Reliance General offer better protection for health treatments because they allow you to claim upto the maximum sum insured of eligible medical expenses under your policy, without imposing limits on specific treatments or services. This means:

Higher coverage upto Sum Insured for all treatment
Lower Out-of-Pocket Costs to be paid by the insured
Simpler and Transparent Claims Process

Reliance travel insurance Plan without Sublimit plans cost table

The approximate cost of travel insurance for Europe per month for 74 years old traveler with medical maximum of $50,000 and $100 deductible with and without sublimits by Reliance General is as follows :

Reliance Senior Plan With Sublimits ₹4993	Reliance Senior Plan Without Sublimits ₹5991
Medical Coverage of $50,000 but Sublimits applicable Has Sublimits for Sickness Medical Expenses Eligible Persons – All India Passport holders, PIO and OCI Card holders traveling from India Covers pre-existing medical conditions under life threatening situations: $2,500 Personal Liability : $15000	Medical Coverage of $50,000 Fully available for Sickness Medical Expenses No Sublimits Applicable for Sickness Medical Expenses Eligible Persons – All India Passport holders, PIO and OCI Card holders traveling from India Covers pre-existing medical conditions under life threatening situations: $2,500 Personal Accident Coverage: $15,000

What is a “No Sublimit” travel insurance plan?

A No Sublimit travel insurance is a comprehensive coverage that does not impose caps on specific medical expenses like room rent, ICU charges, or surgeon fees. This policy offers broader and more flexible coverage during hospitalization abroad.

How is Reliance’s No Sublimit plan different from regular travel insurance?

Unlike standard plans with restrictions on individual expense categories, this plan allows the insured to claim up to the full sum insured without internal limits, subject to policy terms and conditions.

Who should consider buying a No Sublimit travel insurance plan?

Travelers going to countries with high medical costs like the USA, Canada, UK, or Schengen countries, and especially senior citizens, should consider this plan for more comprehensive medical protection.

Is the premium higher for No Sublimit plans?

Yes, No Sublimit plans usually have a slightly higher premium due to the enhanced level of coverage they provide without internal restrictions.

Does this plan also cover non-medical benefits like trip cancellation or baggage loss?

Yes, in addition to comprehensive medical coverage, Reliance’s No Sublimit plan also includes non-medical benefits such as trip delay, passport loss, baggage delay/loss, and personal liability.

Are pre-existing medical conditions covered under this plan?

Pre-existing conditions are generally excluded or covered with limitations. Please refer to the policy wording or speak to the insurer for detailed coverage on pre-existing conditions.

Can this plan be purchased online before travel?

Yes, the Reliance No Sublimit travel insurance plan can be purchased instantly online through platforms like eindiainsurance.com before your travel begins.

Is this plan valid for visa requirements like Schengen?

Yes, this plan is valid for Schengen visa applications as it provides a minimum required coverage of €30,000 and includes emergency medical evacuation and repatriation.

What is the claim process under this plan in case of hospitalization abroad?

In case of a medical emergency, you must contact the assistance provider mentioned in your policy document. They will guide you through the cashless or reimbursement process as applicable.

Can this plan be extended if I stay longer than planned abroad?

Yes, extensions are possible subject to approval and no previous claims. You should request an extension before the policy expires. Speak to eindiainsurance.com customer support team for more information about policy extension.