Reliance Travel Care Policy – For Individuals & Family

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:

• 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.

​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

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. . .

• 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.

• 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.

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.

• 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.

​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.

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

• 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

​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.