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Senior Citizen Travel Insurance
Senior Citizen Travel Insurance is a type of insurance plan for customers or policyholders who fall under the senior citizen category, i.e. 60 years and above. When you buy travel insurance for senior citizens you secure a promise to get financially compensated for any losses you incur due to a risky event during a trip to a foreign country.
It perfectly complements your travel with covers for various risks like emergency hospitalisations, baggage losses, flight cancellations, loss of passports, trip delays and compensation in case of death or disability. Additionally, a senior citizen travel policy also covers dental treatment, personal liability against third-party losses, financial assistance during emergencies, daily cash allowance in case of hospitalisation, etc.
This insurance policy works well for Non-Residents of India (NRIs) who want to have their parents with them on short visits or stays for longer periods.
Whether you're looking to visit the country of your dreams or your children in the Middle East, UK, US or Australia, get international senior citizen travel insurance from Reliance General Insurance to protect yourself from financially draining emergencies.
It's better to have international travel insurance for senior citizens instead of leaving yourself vulnerable to unforeseen losses on your foreign trip. So consider these benefits of senior citizen travel insurance that'll save you from trouble:
After your health, you're probably concerned most with your baggage. A loss of your precious belongings will steal the joy that you were supposed to have on your trip and could cause severe financial losses too. But such losses can be mitigated with travel insurance for senior citizens. It will cover you in case the airline loses your check-in baggage or delays its arrival.
The worst feeling is cancelling a trip you have been looking forward to for months. But sometimes you're forced to cancel due to an unforeseen illness, injury or death that occurs to any of the insured travelling members. Also, bad weather conditions or a terrorist attack in your destination country could force you to cancel your trip. Such scenarios that result in you losing money are covered in an international senior citizen travel insurance policy.
Circumstances that lead you to cancel your trip before it starts like injury, death, bad weather, etc. could also occur during your trip. Such trip interruptions force you to return to India to either attend to a medical emergency or escape unfavourable conditions in your destination country. These situations are also covered in our senior citizen travel insurance policy making the sting of the loss a little lighter.
You're on the cusp of beginning your international trip when an untoward incident delays your journey. Again this could be in the form of an unforeseen illness, injury or death, bad weather conditions, occurrence of a natural disaster in the place you booked to stay, delay by the airline, loss of passport, money or other travel documents. However, having senior citizen travel insurance will help you cover the losses that are a result of these scenarios.
Imagine missing a connecting flight that was the last step to your destination. Frustrating, right? If you missed the flight because of bad weather or due to a mishap by the airline, then the international senior citizen travel insurance will cover you for the cost of making alternate flight arrangements, accommodation and meals while you wait and the non-refundable expenses you incurred as part of your trip expenses.
Losing your passport during an international trip is like a nightmare coming alive. It's the most important document in your possession and its loss will derail your trip. Getting a new passport takes time and will cost you money. But with the help of a senior citizen travel insurance, you can recover the cost of issuing a duplicate or fresh passport during your trip.
One of the primary concerns of any traveller is their safety. It's understood that you don't want to be stuck with an unwanted medical expense while travelling. Senior citizen travel insurance covers you for many such situations like emergency hospitalisation, transportation to the hospital, evacuation back to India if possible, dental treatments and more.
If the unimaginable happens during a trip, i.e., a disability injury or an accident leading to death then there's compensation offered under an international senior citizen travel insurance policy. In case of death, the legal heir gets a compensation of 100% of the Sum Insured offered under the policy. Even compensation is given if an injury sustained during the trip leads to death within 12 months of its occurrence.
In case you're policy expires while you're receiving treatment due to an illness or injury that struck you during your trip then the senior citizen travel insurance gets extended for another 30 days. The same 30-day extension applies even if you're able to return to India for treatment and your policy expires while getting treatment in India. A 7-day extension is given in case the airlines causes a delay in your return to India before the policy expires.
We offer four different senior citizen travel insurance plans, Standard, Silver, Gold, and Platinum with Sum Insured up to USD 500,000 and premium starting at just ₹582*. Our plans offer various coverages like trip cancellations, trip delays, loss of passport, loss & delay of checked-in baggage, hospitalisation expenses and more.
Given below is a list of features that are applicable for travellers aged between 61-70 years:
Medical Expenses (including transportation, evacuation and repatriation of mortal remains)
50,000
100,000
250,000
500,000
Loss of passport
300
Total loss of checked-in baggage*
500
1,000
1,200
1,500
Delay of Checked-In Baggage
100
100
Daily Allowance in Case of Hospitalisation
✘
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
Home Burglary Insurance (in ₹)
₹1,00,000
₹2,00,000
₹3,00,000
Dental Treatment
Personal Accident
15,000
20,000
25,000
30,000
Accidental Death - Common Carrier
2,500
5,000
Personal Liability
200,000
Any one illness*
12,000
13,500
17,500
Any one accident*
35,000
Compassionate Visit
Return fare for any one accompanying person - spouse/child/family doctor
Want more details? Click here to view the detailed table of above mentioned coverage.
Yes, COVID-19 related hospitalisation is covered under our international travel insurance plan for senior citizens. So, you need not worry about going without proper care if you ever catch the troublesome virus.
Moreover, our senior travel plans also cover various medical expenses like X-rays, diagnostic tests, dental treatments and other medically necessary treatments like plaster casts, bandages, walking aids, etc.
In case a pre-existing disease (like diabetes, blood pressure, etc.) leads to a life-threatening condition, then the international senior citizen travel insurance policy will cover the resulting hospitalisation expenses too.
Also, any kind of transportation to the nearest hospital for the injured and one accompanying member is covered. Transportation is provided back to India If it doesn’t worsen the medical condition of the injured member.
Finally, the cost of repatriation of the mortal remains back to India is covered if a death occurs during the trip because of an illness or injury. If repatriation is not possible, then a burial or cremation within the destination country is covered.
The answer to whether you need travel insurance for senior citizens is dependent on various factors. Some countries like UAE, Qatar, Singapore, USA, etc. make travel insurance mandatory leaving you no choice but to buy one. However, there are several countries that allow you to visit without a travel insurance policy. In those cases, as an insurance company we still suggest you buy a senior citizen travel insurance.
So, if you’re a senior citizen travelling abroad, here are reasons why you should buy travel insurance:
An unexpected injury or freak accident during your trip could land you in the hospital. And bearing the treatment costs would be a tough ask for you. Therefore, you should buy a senior citizen travel insurance to cover you for emergency hospitalisation and various other medical costs.
Some countries require each person to have a travel insurance policy before entering. In these cases, having a travel insurance plan keeps you on the right side of the law and makes your trip possible. Travel insurance is useful to have whether a country's immigration rules make it mandatory or not.
A senior citizen travel insurance plan also protects you from losses resulting from lost baggage, delayed baggage, missed connecting flights and much more. It covers you in case you cancel your trip or it was interrupted midway through the trip due to an unexpected medical emergency, death, unfavourable weather conditions, terrorist attack in the destination country etc. Any fault on the part of the airline that delays your trip resulting in losses for you is covered too.
If you're looking for the perfect travel policy for senior citizens or if you're a son or daughter looking to buy travel insurance for your parents before they visit you abroad then there are certain factors to keep in mind before you buy a policy. Given below are factors to keep in mind before buying:
You need to have a travel insurance policy that can adequately cover you financially if you’re hospitalised because of unforeseen injury or illness, or if the airline loses your luggage, or if you lose your passport, etc. This is where you check the coverage amount or Sum Insured of your senior citizen travel insurance. The higher the Sum Insured the better you’ll be covered during risky events.
After understanding the Sum Insured, it's time to know what's actually covered in the policy. Make sure it covers baggage delays or losses, hospitalisation & transportation expenses, passport loss, dental treatment, trip delays or cancellations, personal accident and personal liability. You should be safe once you know all your bases are covered.
Since the coronavirus ravaged the world, countries and travellers have been wary of the disease ever since. What happens if you contract the disease while on your trip? The best way to ensure you get the proper treatments even abroad is to have senior citizen travel insurance that covers COVID-19 treatments.
You should have a travel insurance policy that gives you an extension of your policy in case it expires while you're still getting treated for an illness or injury sustained during a trip or because of a delay caused by the airline. You don't want to be left unprotected in a foreign land therefore having a policy extension in the travel insurance policy is important.
Here’s a list of a variety of situations our senior citizen travel insurance covers:
Accidental bodily injury during the trip
Acute anaesthetic treatment of teeth due to an injury
Total loss of your checked-in baggage by a common carrier
Emergency expenses made for medical evacuation to India
Special distress allowance if your plane is hijacked for more than 12 hours
Facility to provide you emergency cash in case you lose travel funds due to theft
Expenses incurred if you miss a connecting flight
Expenses incurred for the purchase of toiletries, clothing and medication in case luggage is missing for more than 12 hours
Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters
Insurance against burglary in your home, while you are travelling abroad are covered
Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters
Compensation for a third party in case your involuntary actions result in someone's demise, cause someone injury or damage to health or property
Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death are covered
Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise are covered
Here's a list of things your senior citizen travel insurance policy won't cover:
Expenses incurred if you are:
Travelling against the advice of a physician and have to be hospitalised
Receiving or are on a waiting list for specified medical treatment.
Travelling to receive treatment abroad
Have been given a terminal prognosis for a medical condition
Have been given a terminal prognosis for a medical condition 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
War or nuclear threat in the country where you're travelling
Schengen travel policy for senior citizens above the age of 80
In case of loss of checked-in baggage, no partial loss or damage shall become payable
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.
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.
You can buy a senior citizen 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.
Once your payment is complete you will immediately get your senior citizen travel insurance and you can enjoy your upcoming trip peacefully.
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.: 1800-209-55-22Landline No.: +91-22-67347843/44 (Charges Applicable)
The insured or his family 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 visit 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.
Disclaimer: *T&C apply. Pre-existing disease is covered till 70 years of age only under life-threatening conditions. Details mentioned here are for Reliance Travel Care Policy: Individual, Family, Senior Citizen (61-90 years) Plan. Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for a Senior Citizen aged 61 years on an Asia trip of 4 days. This is applicable for the Asia plan 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 maximum 10%. Special Conditions (limit of liability): Applicable only for Senior Citizens (61-70 years). For more details on risk factors, terms & conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale.
Check for more details on travel insurance for senior citizens by taking a instant quote online or calling our toll free number @1800 3009. In addition, check the 'What does it not cover' section below to avoid any confusion about the policy.
*T&C apply. Details mentioned here are for Reliance Travel Care Policy.
SENIOR CITIZEN TRAVEL
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 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
Hijack
Accidental Death
Dismemberment Case
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
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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You can avail Reliance Travel Insurance for Schengen starting at just 401*. Yes, you heard it right. You can travel to 26 countries with a single Schengen travel policy!
You can avail Reliance Travel Insurance- the most preferred family plan for Asia starting at just 306*!
Reliance Travel Insurance aims to make your travel a memorable one. Explore the world worry-free with Reliance Travel Insurance.
Reliance Travel Insurance aims to make your travel a memorable one. Explore the world worry-free with Reliance Travel Insurance.
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