In this article we are going to cover all the details about Travel Insurance – Reliance Travel Care Policy
Travelling is enjoyable. However long nothing turns out badly. However, there are circumstances, unchangeable as far as you might be concerned, that could occur during an outing. Consider it, your movement could get dropped, you or somebody could get harmed or fall wiped out during the excursion, you could lose your identification, a catastrophic event could influence your objective country, your lodging could surrender to flames or seismic tremors and a heap of other lamentable occasions can occur. This large number of situations can place you in a monetary fix notwithstanding the psychological and close to home trouble.
For this reason a worldwide travel insurance like Reliance Travel Care Contract exists.
So whenever you’re arranging your excursion, purchase worldwide travel protection online from Reliance General Insurance to safeguard you any place you go.
Why Do You Need Travel Insurance – Reliance Travel Care Policy
Travelling is enjoyable. However long nothing turns out badly. However, there are circumstances, unchangeable as far as you might be concerned, that could occur during an outing. Consider it, your movement could get dropped, you or somebody could get harmed or fall wiped out during the excursion, you could lose your identification, a catastrophic event could influence your objective country, your lodging could surrender to flames or seismic tremors and a heap of other lamentable occasions can occur. This large number of situations can place you in a monetary fix notwithstanding the psychological and close to home trouble.
For this reason a worldwide travel insurance like Reliance Travel Care Contract exists.
So whenever you’re arranging your excursion, purchase worldwide travel protection online from Reliance General Insurance to safeguard you any place you go.
Reliance Travel Care Policy significance
Travel Insurance becomes significant when you think about the numerous conceivable outcomes of misfortune during an excursion. There’s plausible of becoming genuinely ill or seriously harming yourself. We’ve recorded a couple of situations underneath when a global travel protection like our own will come through for you.
Cover for Health related Crises
A mishap, a fall or an unexpected sickness could land you in the medical clinic. Having a worldwide travel protection will cover the clinical costs during crises like this.
Protects from Baggage Loss and Delays
Assuming your baggage is lost by the carrier, you can get repaid for the worth you lost by having a worldwide travel protection. No halfway misfortune or harm will become payable.
Relief from Trip Cancellations
In the event that your excursion is dropped because of an unexpected disease or passing of a relative or any of the safeguarded people, then a worldwide travel protection will repay you for the relinquished, non-refundable prepaid installments for movement and convenience made before the guaranteed person(s) takeoff date.
Loss of Passport Cover
On the off chance that you lose your Passport during your excursion because of robbery you will be repaid for all costs connected with giving a new or copy visa. Ensure you report the theft to the police in something like 24 hours to benefit of this cover.
Protects from Trip Delays
On the off chance that your trip is postponed for over 12 hours because of unanticipated conditions, for example, Nasty weather patterns creating setback or a deficiency of visa or travel records or unexpected disease, injury of close Relative, then, at that point, the strategy will repay you for any sensible extra costs caused. The repayment under this advantage won’t surpass the Aggregate Protected as determined in the Timetable.
Things to Keep in Mind Before Buying Travel Insurance Online
Coverage
Check assuming the movement strategy covers crisis clinical costs, trip retractions, trip delays, loss of identification, postponement of actually taken a look at in stuff and complete loss of really taken a look at in stuff, offers transportation of mortal remaining parts in the event of death, and so forth. An extensive inclusion is suggested while purchasing a global travel protection on the web.
Medical and Dental Covers
There’s an entire scope of health advantages that should be canvassed in a worldwide travel protection plan. You could get conceded in the medical clinic because of a few mishap or unexpected disease and the itinerary ought to cover you for the hospitalization costs. Regardless of whether you really want crisis dental treatment while on your outing then a global travel protection ought to repay you for that.
Sum Insured
Each Travel has a Total Protected which is the most extreme sum that an insurance agency will pay toward a case. So the higher the Total Safeguarded the better security you get monetarily from hospitalization or misfortunes. Our Movement Care Strategy Plans, Yearly Multi-trip Plans, Understudy Plans generally offer a Total Safeguarded of up to $500,000 which is sufficient inclusion for various situations.
Claim Settlement Process
The Travel insurer’s case settlement proportion and process ought to be the preeminent place of thought prior to purchasing a global travel insurance contract. A higher settlement proportion and a smoother strategy will guarantee your case is effectively handled.
Key Features of Reliance Travel Care Policy- Individual Plan
| Medical Expenses including Transportation, Evacuation and Repatriation of Mortal Remains (Sum Insured in US$) |
50,000 – 500,000** |
| Countries Covered | USA, Canada, UK, Europe, Asia, Australia and more |
| Loss of Passport | Covered |
| Health Check-up Requirement | Not required^ |
| COVID-19 Coverage | Medical /Hospitalisation expenses due to COVID-19 covered |
Benefits to look for in a Travel Insurance Plan
The principal advantages to search for incorporate the clinical covers, stuff misfortune, trip deferrals and abrogations, and so on. The following is a rundown of advantages to search for in a worldwide travel insurance plan (which and more are all shrouded in our Dependence Travel Care Contract according to the arrangement chose):
Clinical Costs:
Covers the clinical costs that you have caused during the strategy time frame for profiting crisis clinical treatment for any sickness or mishap or injury that has been prompted by a specialist. These medicines can remember for patient and out-patient medicines, X-Beam, Radiotherapy and more as recommended by a doctor are covered under our Reliance Travel Care Policy.
Transportation Expenses
Covers the costs for transportation to the closest emergency clinic or back to India for a restoratively essential treatment, if fundamental. On the off chance that your condition is hazardous and additionally can hardly hold on until you return to India, you’ll be shipped to the closest clinic. Likewise, the extra expenses for a going with individual on the off chance that you should be went with for a clinical essential treatment is covered.
Repatriation of Mortal Remains
In the lamentable passing of the safeguarded individual because of insurable occasion while on the excursion, then, at that point, the costs connected with shipping the human remaining parts back to India or costs for a neighborhood entombment or incineration in the nation where the demise happened is covered upto as far as possible.
Dental Treatment
The costs connected with intense sedative therapy of a characteristic tooth or teeth during the outing is covered under this advantage. For instance, assuming a mishap during your excursion harms your teeth and the specialist suggests quick treatment that can hardly hold on until you return to India, the expenses for that specific dental treatment is covered upto as far as possible.
Daily Alloance In Case of Hospitalization
In case of crisis hospitalization of multiple successive days, day to day recompense will be paid as determined in the timetable because of ailment or injury maintained or contracted during the outing will be covered. This advantage can be asserted just a single time during the Strategy time frame.
Personal Accident
Gives pay if there should be an occurrence of death or disablement because of a physical issue that happened during an excursion. Remuneration is given in the event that you lose sight in one or both your eyes, misfortune or powerlessness to utilize your hands or feet because of a mishap, or you lose your hearing, and so forth. Under our arrangement, monetary pay is given regardless of whether a passing happens following a year (365 consistent days) exclusively and straightforwardly brought about unintentionally happening during the time of protection.
Individual Responsibility
Aside from mishaps happening to you, there’s likewise a chance of you making a mishap an outsider. Such a mishap could tragically either prompt the injury to the outsider or their demise. In such occasions, the Individual Risk cover deals with your legitimate costs and the pay that you need to pay to the outsider according to courtroom up to as far as possible referenced in the approach. Remuneration is shrouded in our strategy regardless of whether you make harm an outsider property.
What is Not Covered in Our Travel Care Policy?
As much as we would like to cover all possible risks, certain situations are beyond the protection of our plans. We like to maintain complete transparency with our customers so here’s what we don’t cover in our international travel insurance policies:-
1. Pre-existing diseases are not covered unless the same leads to a life-threatening condition that needs immediate medical attention.
2. Expenses incurred due to any of the following conditions:
- Alcohol/drug abuse
- Anxiety, stress or depression
- HIV/AIDS
- Mental disorder
- Self-inflicted injuries or illnesses
- Suicide/ Attempted suicide
- Venereal diseases
3. Expenses incurred if you’re:
- Travelling against the advice of a physician
- Have been given a terminal prognosis for a medical condition
- Receiving or are on a waiting list for specified medical treatment
- Taking part in a naval, military or air force operation.
- Travelling to receive treatment abroad
4. Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities.
5. Only total loss of checked baggage is covered – no partial loss or damage shall become payable.
Loss of hand baggage is also not covered.
Additionally, losses arising due to delays and confiscation by custom authorities is not covered.
6. War or nuclear threat in the country where you’re travelling.
What is Covered in Reliance Travel Insurance?
Here is a list of scenarios that are covered under our plans:
- Accidental bodily injury during the trip
- Acute anaesthetic treatment of teeth due to an injury
- Compensation for a third party in case your involuntarily actions result in someone’s demise, cause someone injury or damage to health or property
- Compensation for death due to an accident, while riding as a passenger in a common carrier
- Compensation for loss or damage caused due to burglary to the content in your home, while you are travelling abroad
- Cost of obtaining a fresh or duplicate passport in case of a lost passport
- Emergency expenses made for medical evacuation to India
- Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or accidental death
- Expenses incurred if a trip is cancelled or interrupted due to unforeseen medical, personal employment problems or Inclement weather conditions
- Expenses incurred if a trip is delayed for more than 12 hours due to unforeseen medical, personal employment problems or Inclement weather conditions
- Expenses incurred if you miss a connecting flight due to delay of regular scheduled airline flights
- Expenses incurred while transporting the insured’s mortal remains back home or towards burial abroad in case of an untimely demise
- Facility to provide you emergency financial assistance in case you lose travel funds due to theft
- Reimbursement of return ticket fare for a family member visiting you, the insured, if you’re hospitalised for more than 7 days and the attending doctor has confirmed the need for a companion.
- Special distress allowance if your common carrier is hijacked for more than 12 hours
- Total loss of your checked-in baggage by a common carrier
Factors that Affect Your Travel Insurance Premiums
Your international travel insurance premium is impacted by a mix of variables like the country your heading out to, your age, and the length of your excursion. Look at the rundown beneath to be aware exhaustively the way that each component influences your expenses: Your Movement Objective
Length of Your Visit
Your worldwide travel insurance installment is impacted by how long your excursion endures. A more limited trip brings about lower charges in light of the fact that the possibilities of hazard is lower and the contrary applies for longer outings where the gamble is higher. In the event that you invest more energy in your vacation location, there is a higher gamble of injury or disease since you’ll be out heading out to partake in your vacation.
Age
The age of all voyaging individuals assumes a part in the expenses as well. More seasoned individuals are related with higher gamble, subsequently the expenses for them would be higher. More established individuals have a higher clinical gamble and a high likelihood of having previous illnesses, which can prompt hospitalization. Then again, more youthful voyagers will have lower expenses as they are typically fitter and have a low clinical gamble.
Type of Insurance Plan
There are a few itinerary items that can cover various requirements. In the event that you’re an understudy traveling to another country for training, there’s an Understudy Itinerary. In the event that you’re in a business and make numerous excursions in a year, there’s the Yearly Multi-trip Plan. Contingent upon your need and the sort of insurance plan for that need, the payment changes appropriately.
Sum Insured
Each movement insurance contract has various plans that deal fluctuating measures of the Total Guaranteed. The Aggregate Protected is the most extreme worth that an insurance agency will pay towards your case. The case could be connected with clinical costs or checked in stuff related misfortunes. So when the Aggregate Guaranteed is high, the top notch will be higher.
Documents Required to File a Claim
Check it Online: https://travel.policybazaar.com/
- KYC Process shall be completed as per the AML/CFT Guidelines issued by IRDAI. PAN/Form 60 along with other documents mentioned below is necessary.
- The original ticket/boarding pass and a copy of the passport indicating the travel dates must be submitted with every claim, along with the completed claim form.
- Original bills/vouchers/reports and discharge summary must be submitted along with all claims.
- For 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, an official death certificate and a physician’s statement giving the cause of death needs to be submitted.
- For loss of passport, a Police Report obtained within 24 hours of the Insured/Insured person becoming aware of the theft. Along with this, original bills / receipts of expenses incurred for new / fresh passport needs to be submitted.
- In case of total loss of checked-in baggage, a Property Irregularity Report or other report 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.
- For personal liability, proof of judicial decision rendered by a Court needs to submitted.
- For claims under financial emergency assistance benefit, the police report filed within 24 hours of becoming aware of the robbery needs to be submitted.
How to File A Travel Insurance Claim?
Claim Settlement
To avail Worldwide cashless facility, call on the below mentioned numbers or on 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)