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Baggage Insurance
Baggage insurance is crucial for ensuring adequate financial protection in the event of baggage loss or damage during your journey. It is a key travel insurance feature that allows you to travel worry-free by offering compensation for your lost belongings.
At Reliance General Insurance, we offer a comprehensive travel baggage insurance plan with built-in coverage for total loss and delay of your checked-in baggage.
We offer:
Travel Insurance starting at just ₹306*
100% claims settlement*
No pre-medical checkup
Instant policy issuance
Baggage insurance refers to a type of travel insurance that offers financial coverage for your personal belongings during your insurance overseas travel.
It ensures your financial protection by reimbursing your expenses incurred due to the temporary delay or loss of your checked-in baggage. This benefit helps you replace or recover your essential items and continue your trip without any hassle.
Most insurance providers offer baggage cover as a part of a more comprehensive travel insurance policy that covers other travelling risks such as emergency hospitalisation, personal accidents, liabilities, trip delays, missed connections, theft and so on.
Also Read:Baggage Loss Cover with Your International Travel Insurance
Travel baggage insurance helps you recover from financial losses by providing compensation for your lost belongings, such as electronics and jewellery. Simply put, it protects unforeseen expenditures and lets you enjoy your trip without any financial challenges.
Baggage coverage also includes baggage delays. Our travel insurance plans provide you with impressive compensation for the purchase of useful items in case of temporary baggage delays. This financial assistance helps you overcome the trip interruptions and inconveniences arising due to such delays.
Baggage delay insurance provides you with worldwide coverage. The right travel baggage insurance plan covers your resulting expenses during transit via different global destinations specified in your policy schedule. This ensures all-round protection of your belongings regardless of where you are.
Above everything, our travel insurance plans provide you with peace of mind, knowing that your valuable belongings are protected in unforeseen circumstances. This allows you to gain a memorable travel experience without stressing over unprecedented issues.
When purchased with a comprehensive travel insurance plan, baggage cover enhances your financial protection during overseas journeys.
Baggage loss or delay can cause a great deal of inconvenience during your journey and also lead to hefty expenses that add to your travel budget.
But do you know what's better than buying baggage insurance? Our travel insurance plan provides baggage coverage and many other events. Below are the main features of our baggage cover:
Reliance travel insurance plans offer coverage for the total loss of your checked-in baggage during your overseas travel. Upon verification of your claim, we will reimburse you up to USD 1500 based on the declared and agreed value of your insured baggage.
Our travel insurance plans cover not only baggage loss but also temporary baggage delivery delays. We offer compensation up to USD 100 for expenses incurred for purchasing essential items such as clothing, medicines and toiletries.
Apart from baggage loss and delays, our travel insurance plans also offer financial emergency assistance up to USD 300 in scenarios such as theft, robbery, mugging, dacoity and so on. You can avail this benefit in case you end up losing a substantial amount of travel funds due to a covered event.
Losing a passport can result in serious problems while travelling overseas. If you lose your passport due to theft or any covered event, we will compensate you for the expenses incurred during the issuance of a duplicate passport.
That's not enough. Our international insurance plans offer comprehensive coverage for many other unforeseen events, such as medical emergencies, personal accidents and liabilities, medical evacuation, trip delays, missed connections and more.
Also Read:Key Aspects Included in Your Travel Insurance Coverage
The scope of our baggage insurance coverage is limited to the travel destinations specified in your travel ticket from a round-trip from India. Note that layovers and halts via all the destinations listed on your tickets are covered under this benefit.
*Note: The compensation is limited to the maximum sum insured specified in your policy papers.
Below are the main exclusions of Reliance baggage coverage:
Money, valuables, tickets/passes or any type of securities that are not declared.
Partial loss of items inside checked-in baggage.
Items over US$100 without proof of ownership.
Losses arising from detention or confiscation of checked-in baggage by customs or other legal authorities.
Loss due to total or partial damage of checked-in baggage.
Any delay arising inside the boundaries of India.
Reliance General Insurance offers travel baggage insurance with the following travel plans:
International travel insurance
Schengen travel insurance
Individual travel insurance
Family travel insurance
Annual multi-trip travel insurance
Single-trip travel insurance
Senior citizen travel insurance
Student travel insurance
The first thing when buying baggage delay insurance is to estimate the total value of the items you are planning to travel with. In case you are going to carry expensive items such as jewellery or electronics, make sure to insure them properly.
Moreover, factors such as your travel duration and destination should also be considered when calculating your coverage needs.
Understanding the coverage of a baggage insurance policy is critical before making any final decision. Following are the main coverage options you should look for:
Theft/Total Baggage Loss: Select baggage insurance policies that cover the total loss/theft of your baggage. Make sure that your chosen policy covers personal belongings such as a passport or mobile phone.
Damaged Baggage: Check whether or not your chosen policy covers the damage sustained by your baggage content. If so, make sure it is beyond the total loss or theft coverage benefit.
Baggage Delay: Baggage delay is a common travelling risk that can present a lot of inconvenience and financial burden. Thus, ensure that your selected policy covers baggage delays in addition to other events.
The features and benefits of travel baggage insurance can vary from one policy to another. The best way to choose the best baggage insurance policy is to compare multiple plans based on your needs and requirements. This simple step will help you make an informed purchase.
Travel baggage insurance plans can be purchased as single-trip or annual multi-trip plans. While a single-trip insurance plan is ideal for occasional trips, an annual multi-trip plan is a cost-effective option if you are a frequent traveller.
Similar to features and benefits, the terms and conditions of each insurance provider are different. Understanding those is important to ensure the desired coverage during your overseas trip. So, take enough time to review your policy documents and understand the clause carefully.
Any individual who is travelling away from their city of residence can purchase a baggage insurance plan to ensure their financial safety in the event of baggage loss or damage.
We offer baggage insurance under a comprehensive travel insurance policy.
Our plans offer coverage for baggage loss/delay along with other events such as emergency hospitalisation, theft, loss of passport, personal accidents, personal injuries, accidental death and more.
You can purchase our travel baggage insurance as a single-trip or an annual multi-trip insurance plan based on your travelling frequency.
The first step is to intimate your claim by informing Reliance General Insurance within 24 hours of the occurrence of the covered event. Initiate the claim with RCare (for inland) and Europ Assistance (for international claims).
Upon your arrival, you can file for claim reimbursement by submitting a complete Claims Form along with the supporting documents.
The most common documents include proof of baggage ownership, a list of items, an FIR report (in case of theft), a copy of policy papers and so on. You can either submit your documents digitally or offline to our nearest branch.
Upon submission of your documents, our claims team will verify them and initiate your reimbursement on successful verification.
To lodge a baggage insurance claim, you need to submit
A duly filled and signed claims form
Proof of ownership of checked-in luggage
A list of items for which you are filing
The total cost of baggage
An FIR report in case of theft or burglary
Your policy papers
Travel baggage insurance is necessary to safeguard yourself against the inconvenience and financial loss incurred due to loss/delay of your baggage during your overseas journey. The right policy helps you claim the cost of your lost items so that you can continue your journey without facing any financial challenges.
The time taken to resolve a baggage insurance claim may vary based on the nature of the claim, the correctness of the application and the individual case of the applicants.
If you follow the correct procedure and adhere to the specified requirements, your claims will be settled within a few weeks. On the other hand, submission of incorrect/inaccurate claims documentation can lead to higher processing times and even rejection of claims.
The premiums of a baggage insurance policy are calculated based on several factors. These mainly include the cost of insured baggage content, travel destination (areas with higher risk may lead to higher premiums), duration of the trip and the type of coverage selected by you.
A baggage travel insurance policy can be purchased for a single trip, as well as an annual multi-trip policy. With a single-trip policy, you can cover your checked-in baggage for a single time overseas visit. Whereas, you can enjoy baggage coverage for multiple trips taken within a year with an annual multi-trip insurance.
The sum insured by a baggage insurance policy is mainly calculated based on the current market value of the items inside your luggage during the covered trip or trips.
Yes. You can claim your baggage insurance for total loss or damage sustained by your baggage due to a common carrier. However, most baggage insurance plans do not cover any kind of partial damage or loss. For more information, get in touch with your insurance provider.
*T&C apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708.
Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.
Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy, Platinum Plan.
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%.
Claim settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
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