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Travelling with older family members can be tricky, if they have certain medical conditions. However, this shouldn’t stop you from spending quality time with them. With the Senior Citizen Policy, we aim to make your travel easier!
Click to view your detailed Travel Insurance plan
We cover a variety of situations - have a look!
Here’s a list of things your policy won’t cover!
Yes, you can!If your holiday is extended for any reason, we recommend that you extend your policy. It always better to be safe than sorry!
Bought your policy though an agent? Fill out this Extension Form and send it across to your agent, who will do the rest.
Bought your policy online?Download and fill this Extension Form and mail it to us at firstname.lastname@example.org along with contacts details (name, address & number) of the person, who will pay the extension premium on your behalf.
It’s not mandatory in India, however, most countries have made it mandatory. Some of them are listed below.
Emergencies, medical or non-medical, never take into account your destination, so why should you? Get travel insurance every time you travel abroad, it’s just safer!
Deductible or excess is an amount that is deducted from your claim amount when you make a claim. This amount is mutually agreed upon and mentioned in the policy schedule. Alternatively, it could also be a period of time (pre-decided) for which the company will not pay any benefit to you, the insurer. A deductible is important as it makes you a co-owner of the policy, by taking up a certain portion of the loss himself / herself.
We offer policies to children aged 6 months and above to individuals up to 70 years. If the insured is above 70 years then a medical check-up is required.
Our travel insurance policies are recognised and accepted all over the world. We also have international presence through the various service providers in case you need personal assistance. Apart from this, we also have special travel insurance plans depending on where you are travelling. These policies are aligned to the rules and requirements for those specified areas.
Sure, you can!We, at Reliance General Insurance, have a special policy called the Pravasi Bhartiya Yojana Policy, covering individuals travelling under a work permit. Call us for more information on this.
A business or corporate travel insurance policy is beneficial in case you:
No, these policies cannot become a part of the corporate plan. You can choose to continue with these standalone policies and thereby opt for those many less number of travel days in the group policy.
Alternatively, if you want all the executives to be a part of one plan, then you can cancel those standalone policies prematurely and make them a part of your corporate group policy.
Yes. We have designed our travel insurance plans to meet both the requirements, that of leisure and business. Individuals travelling abroad on business purpose can also avail the facility of our Overseas Travel Insurance plan, while those who are frequent visitors to abroad can opt for our Annual Multi-trip Insurance.
An FIR (First Information Report) is required in cases of:
For your convenience, our application procedure is short and simple. All you have to do is submit this form, completely filled, along with the cheque for the premium. However, if you are a senior citizen (60 to 70 years old), you will need to undergo a medical test and submit the medical report with the form.
To cancel your policy, all you have to do is submit a letter at any of our branch offices. Once we receive a written request from you, your policy will be cancelled within one day.
The policy bought online will be cancelled and the amount refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire.
You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days
Yes, we refund part of your premium if no claim has been made on any part of your policy and there is more than 30 days left from the expiry date.
International Travel Insurance covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling.
Any basic travel insurance policy will cover you for:
Apart from these, you can opt for covers like:
Depending on the policy and additional covers you take, a travel policy could cover you for liabilities or risks like:
Yes, it does. We will reimburse you for expenses incurred on acute anaesthetic treatment of a natural tooth or teeth.
In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.
However, the policy will not cover you if your passport. . .
The loss of handbag is not covered. Your policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/ insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.
Your policy will pay the necessary expenses incurred while obtaining a duplicate or fresh passport after coming to India. This will be up to the maximum sum insured mentioned in your policy.
This particular insurance policy will compensate you for any unfortunate outcomes / losses or any accidents that may happen when you travel. This compensation is different for various losses and is limited to the ‘sum insured’ as mentioned in the plan. To understand the benefits better
As long as you are travelling by an IATA certified carrier, you will be covered for any cases mentioned in your policy.
Your travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.
Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner. If you have been hospitalised for more than 2 consecutive days, you can even avail daily allowance.
This is a special service that provides you, the insured, assistance in times of financial emergency that may arise only due to theft or robbery. In a situation where you are short of funds / cash, this cover will not be able to help you.
In case your flight is hijacked, your policy will compensate you, up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.
In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster, we will reimburse to you up to the maximum amount as mentioned in your policy.
If you opt for the Home Burglary cover, your house and valuables are covered for burglary or attempted burglary, up to the limit of sum insured. Please note that the cover does not protect you from losses sustained due to fire or other perils.
A student travel insurance policy covers you for a specific period depending on your choice. If your examination is delayed, but it is still within this specific period, your insurance policy will cover you. In case your examination is delayed and this causes an unanticipated extension beyond the specified period, you can always extend your policy.
Unfortunately, we do not cover any complication arising from pregnancy. However, if any medical assistance is required to save the insured person's or the child's life, then on the advice of the ISOS the policy may cover you for hospitalisation charges.
If you sustain any disease / illness / injury on the last day of your policy, you will need to inform ISOS immediately. In such cases, we will need to get a clearance from ISOS that the insured is unfit to return to India.
In such a case, if the death or disablement occurs within 12 months from the date of the policy start, the company will process the claim as per terms and conditions of the policy in favour of beneficiary / nominee mentioned in the policy.
Reliance Overseas Travel Insurance policy provides compensation for death or permanent disability due to an accident on any flight, ship or other common carrier.
If incase the insured is hospitalized for injury sustained and/ or illness contracted at any place during his/her trip, then the company provides the cost of travel and accommodation incurred for sending a relative or friend overseas for assistance of the insured.
When you and your family are on a foreign tour, Reliance Overseas Travel Insurance covers your home/ home contents against burglary. The policy covers your home contents as per their market value. It protects your house and valuables from burglary and/or attempted burglary, up to the limit of Sum Insured. This cover does not cover losses sustained due to fire or other perils.
Yes. Please read your policy document carefully to understand what risks you are covered for and what is not covered. Ensure, you have the cover you need.
No, an international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover you for the relevant benefits, while you are travelling within the country.
Online payments definitely make life easier. At Reliance General Insurance, you can pay your policy premium in following ways:
We accept all Visa, Mastercard, American Express cards and other international credit cards.
You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, amount of premium you want to pay and the amount and type of risks you want to be covered for.
The corporate policy is designed to provide you convenience of usage. If you have opted for a short-term plan for a specific period of insurance and number of man-days, a float amount for your company would be created with us.
As and when an individual employee travels, his details need to be intimated to us. The premium amount, based on the employee's number of days of travel, age and some other details, would be adjusted in this float amount. Similarly, let us know as and when you add or delete a person, so we can adjust the float amount.
Yes, we do give group discounts. The details are as follows:
We have appointed Europe Assistance India to facilitate claims services for all our customers. Since they have worldwide presence, you will receive prompt service and your claims will be settled quickly.
Ideally, you should intimate your claim to International SOS (ISOS) immediately. The maximum number of days it should take you to let us know is 30 days following the incident. Followed by the intimation, you need to submit complete, written proof of the loss along with the signed claim form to us within maximum 30 days from the date of loss.
In case of OPD (Out Patient department) treatment, you will need to make the payment and then claim reimbursement from us. In case of hospitalisation, we will settle the bills directly with the doctor/hospital/service provider if the claim is notified to ISOS and cashless facility is approved.If, due to any circumstance, the cashless transaction is not approved, you will have to make a payment yourself and claim reimbursement after submitting necessary documents.
Once we receive all complete written proof of loss along with the signed claim form; we will process the claim within 7 working days.
The documentation will vary depending on the type of the claim. Here’s a comprehensive list of requirements for the various types of covers.Medical & Emergency Expenses
Loss of Baggage
Delay of Baggage
Loss of Passport
Trip delay / cancellation/ interruption/ missed connection
Financial Emergency Assistance
Please remember any medical statements from relations / spouse will not be accepted.Compassionate Visit
Please remember any medical statements from relations / spouse will not be accepted.Home Burglary
You could get admitted to any registered hospital. If the claim amount is small we would advise you to pay it yourself and take a reimbursement when you come back to India. However, in case you do require it, you can request ISOS and they would provide you with the cashless facility.
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