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Annual Multi Trip Travel Insurance
A multi trip travel insurance is a type of travel insurance policy that offers business travellers financial protection in case they face any losses during an international trip. This type of plan is different from a single trip travel insurance because it will cover you for multiple trips over a longer period, typically one year.
Like an international travel insurance plan, multi trip policies cover you financially from various dangers like loss of passport, baggage losses and delays, medical emergencies, trip delays, personal accidents, missed connecting flights and more.
Now for your upcoming season of business travel, choose the annual multi trip travel insurance plan from Reliance General Insurance so that you can focus on your business while we take care of the rest.
Making multiple business trips in a year may be a regular part of your job and therefore you’re exposed to potential misfortunes along the way. For example, there’s a chance of losing your passport, getting sick or injured, airlines losing your baggage or delaying and many more. But a multi trip travel insurance policy can cover you for all these. Consider these benefits of buying an annual multi-trip travel insurance policy:
The key reason to have an annual international travel insurance plan is the benefit of covering multiple trips in a year. So, all your business travel that’s lined up for the year will be covered. This also saves you from the hassle of buying a travel policy every time you fly out for business.
Your passport is a key document during all your international business trips. It proves you’re an Indian citizen and has all your visa and immigration stamps. Losing it is bad business. But if you ever do lose your passport, then you needn’t worry because an annual travel insurance policy will take care of the expenses that go into issuing a fresh or duplicate passport.
Imagine going on one of your business trips and a sickness or injury strikes you unannounced. But if you’re ever hospitalised during one of your trips, you can rest assured that an annual travel insurance policy will cover you for the medical expenses. Additionally, you’re also covered for the cost of transportation to the nearest hospital for treatment or back to India if your medical practitioner allows you.
No day is a good day to have a tooth problem. And you don’t want to have that when you’re on an important business trip. However, if you ever run into a dental problem while on your trip due to an accident, annual multi-trip travel insurance will cover you for the expenses that necessitate the treatment.
The misfortune of having your baggage delayed by the airline, or worse, getting lost in transit is something no one should experience. Least of all during your business trip. But if you do face baggage loss or delay, a multi trip travel insurance will cover you for the losses you’ve faced.
If you have to cancel your business trip because you’ve fallen gravely ill or because an immediate family member has passed away, you can recover the non-refundable money spent on travel and accommodation. Moreover, if the travel destination has unfavourable weather conditions, forcing you to cancel the trip then the multi trip travel insurance will cover you for non-refundable amounts.
Your trip could be delayed for a variety of reasons. You could face medical emergencies, a death in the family, loss of passport, unfavourable weather conditions, etc. All these will result in losses in terms of travel and stay. However, a multi trip insurance will compensate for the non-refundable expenses.
Trip interruption is when you have to leave your business trip midway due to reasons like medical emergencies, bad weather, death of an immediate family member, etc. For example, you would have to come back to India if you have a major sickness, someone in the family passes away, or for extreme reasons like a terrorist attack in the city you’re in or inclement weather. For these reasons, an annual multi trip travel insurance will compensate you for the losses.
With premium starting at ₹2074*, we offer annual multi-trip insurance under three different plans with a coverage of up to USD 500,000. All the plans offer several covers like cover for total loss of baggage, loss of passport, trip delays, trip cancellations and more. Here’s a detailed table of all the features:
Medical Expenses Incl. transportation, evacuation and repatriation of mortal remains
50,000
100,000
250,000
500,000
Dental treatment
500
Loss of passport
300
Total loss of checked-in baggage *
1,000
1,200
1,500
Delay of checked-in baggage
100
Personal accident
15,000
20,000
25,000
30,000
Accidental death - common carrier
2,500
5,000
Personal liability
200,000
Daily allowance in case of hospitalisation
NA
25 per day (5 days max)
25 per day (6 days max)
25 per day (7 days max)
Financial emergency assistance
Hijack distress allowance
50 per day (7 days max)
75 per day (7 days max)
125 per day (7 days max)
Trip delay
50 per day (6 days max)
60 per day (6 days max)
Trip cancellation & interruption
600
Missed connections
200
Compassionate visit
Return fare for any one accompanying person - spouse/child/family doctor
Frequent flyers, with our annual multi trip travel insurance policy you are insured for all of the following things while you’re travelling!
Accidental bodily injury during the trip
Acute anaesthetic treatment of teeth due to an injury
Emergency medical evacuation to India
Insurance against burglary in your home in India, while you are travelling abroad
Special distress allowance if your plane is hijacked for more than 12 hours
Cost of obtaining a fresh or duplicate passport in case of a lost passport
Facility to provide you emergency cash in case you lose travel funds due to theft
Expenses incurred if you miss a connecting flight due to a delay
Compensation for death or permanent disability due to an accident, within 12(twelve) calendar months of occurrence of such injury
Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters
Expenses incurred while transporting the insured’s mortal remains back home (INDIA) or towards burial abroad in case of an untimely demise
Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters
If your checked baggage is delayed more than 12 hours, your essential expenses shall be reimbursed. In case of total loss of baggage by the common carrier, we will provide compensation for the same
Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days
Compensation for a third party in case your involuntary actions result in someone’s demise, cause someone injury or damage to health or property
We have tried and made sure you get the maximum benefits with our travel insurance, unfortunately, you’re not covered under the annual multi trip annual travel insurance for the following while you’re off discovering the world!
Pre-existing medical conditions, unless it’s a life-threatening condition
Life-threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people up to 70 years of age. Customers need to declare all pre-existing diseases while taking the policy.
Claims arising out of non-disclosed and non-declared pre-existing medical conditions will not be covered.
Expenses incurred due to any of the following conditions:
Suicide
Self-inflicted injuries or illnesses
Mental disorder
Anxiety, stress or depression
Venereal diseases
Alcohol/drug abuse
HIV/AIDS
Expenses incurred if you’re:
Travelling against the advice of a physician and having to be hospitalised
Receiving or are on a waiting list for specified medical treatment
Travelling to receive treatment abroad
Have been given terminal prognosis for a medical condition
Any issues faced due to theft or loss of passport when left unattended or if you don’t report the loss to local police authorities
In case of loss of checked baggage, no partial loss or damage shall become payable
War or nuclear threat in the country where you’re travelling
Any emergency financial assistance claims made after you’ve returned to India
You can buy an annual multi-trip travel insurance plan easily through our website www.reliancegeneral.co.in. Here are a few simple steps to get the insurance you need:
Step 1: Go to the travel insurance page and enter your details like name, number, travel destination, number of travel days, etc.
Step 2: Choose your desired plan and click buy now.
Step 3: Check your plan details like the premium amount and then enter the remaining personal details.
Step 4: Select your preferred mode of payment and proceed to pay.
You’ll get your multi trip travel insurance policy copy as soon as you complete the payment.
The insured, his family or the hospital has to intimate a claim with the correct certificate number to Reliance General Insurance within 24 hours from the time of admission in case of hospitalisation. Note that the hospital has to agree to provide a cashless facility.
To avail Worldwide cashless facility, call the below-mentioned numbers or International toll-free numbers given country-wise in your Policy Schedule for any emergency assistance.
National Toll-Free No.: 1800-209-55-22 Landline No.: +91-22-67347843/44 (Charges Applicable)
The insured or his family member has to intimate Reliance General Insurance within 24 hours of the occurrence of a claim
For reimbursement, submit the fully filled claim form along with the hard copies of all the required documents at the address mentioned below:
Europ Assistance India Pvt Ltd. 7th Floor, Star Hub, Bldg No. 2, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai – 400 059, India
1. You need to complete the KYC Process as per the AML/CFT Guidelines issued by IRDAI. You also need to submit PAN/Form 60 along with the below-mentioned documents for your international travel insurance claim.
2. You need to submit the original ticket/boarding pass, a copy of the passport indicating the travel dates and the completed claim form for every claim.
3. You also need to submit original bills/vouchers/reports and discharge summary for all claims.
4. You have to submit an official death certificate and a physician's statement giving the cause of death to avail reimbursement of the costs of transporting the mortal remains of the Insured/Insured Person to the Republic of India or of costs of burial abroad.
5. For claims related to a lost passport, you have to submit a Police Report obtained within 24 hours of the Insured/Insured person becoming aware of the theft along with the original bills/receipts of expenses incurred for a new/fresh passport.
6. A Property Irregularity Report or other report is usually issued by the common carriers in the event of loss of checked-in baggage. A letter from the airline will also need to be submitted stating the compensation, if any received from them for the lost baggage.
7. In case of claims related to personal liability, you need to submit proof of judicial decision rendered by a Court.
8. For claims under financial emergency assistance benefit, the police report filed within 24 hours of becoming aware of the robbery needs to be submitted.
For a complete list of applicable claim documentation please click here.
If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form with Good Health Declaration form & visit the nearest branch.
Disclaimers: *T&C Apply. Details mentioned are for Reliance Travel Care Policy: Annual Multi Trip Plan UIN: RELTIOP08002V010708. Premium: The premium mentioned is excluding taxes for medical sum insured of $1,00,000 for an individual aged 20 years on a trip of 30 days per trip. This is applicable for geographical regions excluding USA and Canada only. Total loss of checked baggage: Maximum amount payable per checked in baggage in case more than one bag has been checked in is 50% (100% for only one checked in baggage) of applicable sum insured and per item in baggage max 10%.
No Travel Insurance is not mandatory, however certain countries have made it mandatory. For eg Schengen countries, Australia require visitors to have travel insurance.
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:
Reliance Travel Care Policy 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:
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 click here.
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
Personal Liability
Hijack
Accidental Death
Dismemberment Case
Financial Emergency Assistance
Bail Bond
Sponsor Protection
Please remember any medical statements from relations / spouse will not be accepted.Compassionate Visit
Study Interruption
Please remember any medical statements from relations / spouse will not be accepted.Home Burglary
Dental Treatment
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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