Reliance Travel Care Policy – For Senior Citizens

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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!

KeyFeatures

Get free international SIM Card with every travel insurance quote (Know More)
Policy specially designed for senior citizens between the ages of 61 to 70 years
Varied duration of trips, we cover trips as long as 180 days and even extend up to 365 days
Zero paperwork and an affordable premium make holiday planning less stressful
Convenient facilities like
- Cashless hospitalisation
- Cover for expenses due to lost passports or check-in baggage
- Cover for missed flight, delayed or cancelled trip

Automated extensions for your policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days)
Coverage of pre-existing ailments, especially in case of life-threatening ailments
Instant online policy booking (or on call @ 1800 3009 Toll free)

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What does my policy cover?

Exclusions

We cover a variety of situations - have a look!

Emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness, injury or death
Emergency expenses made for medical evacuation to India
Expenses incurred while transporting the insured’s mortal remains back home or towards burial abroad in case of an untimely demise
Acute anaesthetic treatment of teeth due to an injury
Accidental bodily injury during the trip
Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier
Cost of obtaining a fresh or duplicate passport in case of a lost passport
Total loss of your checked-in baggage by a common carrier
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
Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters
Expenses incurred if you miss a connecting flight due to a delay of more than 3 hours
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 involuntarily actions result in someone's demise, cause someone injury or damage to health or property
Facility to provide you emergency cash in case you lose travel funds due to theft
Insurance against burglary in your home, while you are travelling abroad
Special distress allowance if your plane is hijacked for more than 12 hours

What does it not cover?

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Here’s a list of things your policy won’t cover!

Pre-existing medical conditions, unless it’s a life threatening 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

Expenses incurred if you’re. . .
- Traveling against the advice of 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 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

Can I extend my policy?

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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 rgicl.services@relianceada.com along with contacts details (name, address & number) of the person, who will pay the extension premium on your behalf.

Questions? Get Answers here!

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Why do I need Travel Insurance?

A travel insurance policy provides medical, financial and other assistance to you and/or your family in case of any emergency or troublesome situations while travelling abroad. Therefore, to make your international tour hassle free, it is important to insure your trip with travel insurance.

Is travel insurance mandatory?

It’s not mandatory in India, however, most countries have made it mandatory. Some of them are listed below.

United Kingdom
Austria
Greece
Portugal
Spain
France
Germany
Belgium
Luxembourg
Netherlands

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!

What is a deductible? Why is this necessary?

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.

What are the age criteria for which you issue a policy?

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.

In which countries are the international travel insurance policies recognised / accepted?

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.

Can I buy insurance if I am going on a work permit abroad?

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.

When is it beneficial to buy a corporate plan rather than buying individual travel plans?

A business or corporate travel insurance policy is beneficial in case you:

have large number of employees travelling at different times.
have large number of travelling days.
want to cover certain risks for certain employees.
need worldwide coverage.
have high turnover of employees.
want to cover employees from various group companies.
want to minimize documentation.
want simple and easy administration.

What documents will the company have to submit to purchase a corporate travel plan?

To take a travel insurance policy you just have to submit a complete and duly signed proposal form along with the premium payment. In case you are availing a short term travel policy, then you will have to fill and submit, an "employee intimation form" each time any of your employees is travelling.

Can stand-alone policies of the company executives become part of corporate plan?

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.

Are 'business travellers' eligible for a Travel Insurance 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.

Is an FIR required on occurrence of an accident?

An FIR (First Information Report) is required in cases of:

Loss of passport
Claim under Home burglary insurance
Bail Bond
Accidental Claims under Personal accident section
Personal liability
Financial emergency

What paperwork is required for buying 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.

How can I cancel my policy?

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.

Will I get refund if I cancel my policy?

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.

How many times can we extend the policy in one year duration?

You can extend the policy any number of times provided the total duration of the policy is less than or equal to 360 days

If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

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.

What kinds of risks are covered under travel insurance policy?

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:

Emergency medical assistance
Baggage insurance
Personal accident

Apart from these, you can opt for covers like:

Dental treatment
Financial emergency
Compassionate visit
Sponsor protection
Trip delay, cancellation and interruption
Loss of passport
Home burglary insurance
Personal liability, etc.

What liabilities / risks are covered in my travel policy?

Depending on the policy and additional covers you take, a travel policy could cover you for liabilities or risks like:

Medical expenses
Emergency medical evacuation
Transport of mortal remains
Dental treatment
Loss of passport
Total loss of checked-in baggage
Delay of checked-in baggage
Personal accidents
Accidental death & dismemberment
Personal liability
Daily allowance in case of hospitalisation
Financial emergency assistance
Hijack distress allowance
Trip delay
Trip cancellation and interruption
Missed connections
Compassionate visit
Home burglary insurance

I am not a professional sports person. But I do play some sports like golf and cricket. Am I covered for these sports? What if I meet with an accident while ballooning / gliding?

Our insurance policy doesn’t have any specific cover that takes care of sporting interests. In case you meet with an accident while playing leisure sports, provided it’s not part of a competitive event, you can use the personal accident cover of your policy.

However if you are involved in extreme sports like bungee jumping, mountaineering, air gliding or ballooning, and meet with an accident, then the policy won’t cover you. Here’s a complete list of hazardous activities which are not covered under the basic policy.

BASE Jumping
BMX Freestyle
Bouldering
Buildering
Bungee Jumping
Canoeing
Cave Tubing
Caving
Climbing
Drag Racing
Elevator Surfing
Extreme Skiing
Fencing
Free-Diving
Gliding

Hang Gliding
High Diving
Hiking
Horse Riding
Hot Air Ballooning
Ice Skating
Jetskiing
Kayaking
Kite boarding
Kite surfing
Knee boarding
Martial Arts
Mountain Biking
Mountain Boarding
Paintballing

Paragliding
Para motoring
Parkour
Poweriser
Rock Climbing
Roller Derby
Sailing
Scuba Diving
Skateboarding
Ski boarding
Skydiving
Sky surfing
Slam ball
Snow Boarding
Snow Skiing

Snowboarding
Street Luge
Stunt Pogo
Surfing
Trekking
Unicycling
Wakeboarding Water
Skiing
White water Kayaking
White water Rafting
Wind sports
Windsurfing

Does the policy cover for dental treatment?

Yes, it does. We will reimburse you for expenses incurred on acute anaesthetic treatment of a natural tooth or teeth.

How will my policy help me if I lose my passport?

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. . .

is confiscated or detained by customs officials, police offers or police authorities.
Is lost on account of it being left unattended or forgotten in a public place or transport, hotel, apartment or a private place or vehicle.
has been robbed and you have not reported the incident to the local police within 24 hours of the event. We will require a copy of the report when you make the claim.

What will happen if my baggage does not clear in time? Will my policy help me in any way?

Your policy provides a reimbursement for delay in transportation of checked-in baggage beyond 12 hours. This is valid across all travel destinations that are mentioned in your ticket, including all halts as well.
This cover for delay will not be available in the following cases:

If your baggage is lost, unless a Property Irregularity Report or equivalent report, issued by carrier, is procured and submitted.
If there is partial loss of the items contained in the checked-in baggage.
If items contained in the checked-in baggage, valued in excess of US $100, do not have appropriate proof of ownership.
If the valuables, money, securities, tickets and passes or any other item(s) are not declared,
If the losses are a result of delay, detention, confiscation by customs officials or other public authorities.
If the losses are incurred due to complete / partial damage of the checked-in baggage.
If the checked-in baggage is delayed on the inbound sector to India.

This amount will be up to a maximum, as mentioned in your policy.

What if a hand bag is lost while travelling by airline, will it be covered?

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.

Will my policy cover the expenses incurred while getting a new passport in India?

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.

How am I covered in case I meet with an accident and suffer injuries / any loss?

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.

If I suffer any loss while travelling by railway / ship in a foreign country, does my travel insurance policy help me in any way?

As long as you are travelling by an IATA certified carrier, you will be covered for any cases mentioned in your policy.

If I hire a car while travelling and meet with an accident, will the policy cover me?

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.

In case I fall sick and need hospitalisation, will the policy cover me for all my expenses?

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.

In case I am short of cash, can I avail of Financial Emergency assistance?

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.

What if my flight is hijacked? Will my insurance policy be of any help?

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.

What happens if the flight is delayed?

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.

My entire family is travelling with me for 2 months. My house is going to be locked. In case there is a robbery / theft or fire will the insurance policy reimburse us?

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.

As a student, if I fall sick and have to repeat a semester will my policy help me in any way?

If you opt for the ‘Study Interruption’ cover, it provides you compensation in case:

you are hospitalised for more than one consecutive month on account of any disease, illness, injury, terminal sickness or medical repatriation,
an immediate family member or your sponsor expires, leading you to discontinue your studies for the remaining part of the current semester, the tuition fee for which has been paid.

Is a student covered for delay in exams?

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.

Is pregnancy or disease/complication arising out of pregnancy covered?

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 I sustain a loss on the last day of the policy and continue treatment abroad will the policy be automatically extended to cover the loss?

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.

If a loss sustained during the policy period while abroad, and this results in death or disability after coming to India. Will this be covered?

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.

What is Accidental Death and Dismemberment-Common Carrier?

Reliance Overseas Travel Insurance policy provides compensation for death or permanent disability due to an accident on any flight, ship or other common carrier.

What does this policy cover under Compassionate visit?

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.

What cover does Reliance Overseas Travel Insurance offers towards home and home contents?

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.

Are there any exclusions in the policy?

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.

Can the existing International travel policy be extended to cover domestic travel as well?

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.

What are the modes of payment?

Online payments definitely make life easier. At Reliance General Insurance, you can pay your policy premium in following ways:

Credit Card
Netbanking
Debit Card using ATM PIN
Debit Card using 3D secure

We accept all Visa, Mastercard, American Express cards and other international credit cards.

How do I decide the scope of insurance I require while travelling or does the insurance company decide this?

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.

If we add, delete or substitute a member to an already existing corporate group what is the implication on premium?

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.

Are there any group discounts?

Yes, we do give group discounts. The details are as follows:

No of People	Discount
10-20	10%
21 -50	15%
51 and more	20%

How does Reliance General Insurance settle its claims abroad?

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.

Does a claim have to be lodged or made in a specific time frame from the time of the accident?

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.

Do I need to pay the doctor / hospital / service provider or will they bill the Reliance General Insurance?

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.

How long does it take to settle a claim?

Once we receive all complete written proof of loss along with the signed claim form; we will process the claim within 7 working days.

What kind of documentation is required while making a claim?

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

Claim form with the surgeon's signature
Copy of your travel policy
Doctor's report
Original admission/discharge card
Original bills/receipts/prescription
Original X-ray reports/ Pathological/ Investigative reports
Copy of passport/visa with entry and exit stamp.

Loss of Baggage

Claims form
Copy of your travel policy
Copies of baggage tags
Copies of correspondence with the airline authorities or others about loss of checked baggage
Property Irregularity Report (obtained from Airline)
Details of compensation received from airlines/other authorities if any

Delay of Baggage

Claims form
Copy of your travel policy
Copies of baggage tags
Copies of correspondence with the airline authorities certifying the delay
Property Irregularity Report (obtained from Airline)
Original bills/receipts/invoices pertaining to expenses incurred/purchases made during the delay period.

Loss of Passport

Claims form
Copy of your travel policy
Copy of new passport
Copy of previous passport (if available)
Original bills/invoices of expenses incurred for obtaining a new passport
Copy of FIR/ Police Report

Trip delay / cancellation/ interruption/ missed connection

Claims form
Copy of your travel policy
Confirmation from the airlines clearly mentioning the scheduled arrival time and the actual arrival time
Copies of correspondence with the airline authorities certifying the delay
Medical reports and doctors statements if the trip is cancelled or interrupted due to medical reasons
Termination letter from the company if trip is cancelled or interrupted due to employment reason
Police report confirming the incident if the delay is due to any other insured events
Original tickets of the insured and the travelling companion indicating travel to the same destination for the same dates in case the cancellation or interruption is due to the sickness injury or death of a travelling companion
All the bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers

Personal Liability

Claims form
Copy of your travel policy
A detailed statement mentioning details of the incident
Witness statements
Any other documents relevant to the incident including Summons Legal Notice etc.
Any other information you would like to share with us.

Hijack

Claims form
Copy of your travel policy
Full statement of the events in writing
Airline correspondence (copy of Passenger List etc.)
Copy of ticket/ Boarding Pass

Accidental Death

Claims form
Copy of your travel policy
Original Death Certificate
Copy of FIR/Police inquest report/Coroners report
Copy of Post Mortem report.

Dismemberment Case

Claims form
Copy of your travel policy
Copy of treatment papers along
Copy of FIR/Police inquest report/Coroners report

Financial Emergency Assistance

Claims form
Copy of your travel policy
Date of loss
Copy of FIR/ Police Report

Bail Bond

Claims form
Copy of your travel policy
A detailed statement
Court order stipulating the required amount as bail bond
Police report.

Sponsor Protection

Claims form
Copy of your travel policy
A detailed statement
Medical reports or doctor's statement giving the details of the sponsor and cause of death certificate of the sponsor

Please remember any medical statements from relations / spouse will not be accepted.

Compassionate Visit

Claims form
Copy of your travel policy
A detailed statement
Medical reports and certificate from the doctor confirming hospitalisation of the insured, reason of hospitalisation and duration of hospitalisation
Doctor's statement specifically stating the need for an attendants

Study Interruption

Claims form
Copy of your travel policy
A detailed statement.
Medical reports or doctor’s statement
Death certificate as a proof of the reason of study interruption (in case of death of immediate family members)
Receipts of the university fees paid

Please remember any medical statements from relations / spouse will not be accepted.

Home Burglary

Claims form
Copy of your travel policy
Copy of the FIR
List of items stolen along with year of purchase and value

Dental Treatment

Claims form
Doctor's report
Copy of your travel policy
Original medical bills/receipts

If there is no ‘Europ-Assistance India’ certified hospital where I stay, will there still be cashless settlement?

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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Reliance Travel Care Policy – For Senior Citizens

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