TRAVEL CARE INSURANCE POLICY
Reliance Travel Care Insurance Policy for Individuals and Families
Whether it is a fun-filled trip to Disney land or an enchanting vacation in Switzerland, sharing time with customers loved ones on a family vacation are special times which customer would cherish forever.
To ensure that customer and customer’s family are adequately protected if something untoward happens during such precious moments, company have designed a unique Plan which offers coverages against the various aspects of customer’s travel.
Key Advantages
• Custom made Plans (Platinum, Gold, Silver and Standard) are available for customer to choose from, depending on customer’s travel requirements
• Comprehensive coverage through various unique benefits like Compassionate Visit, Home Burglary Insurance, Financial Emergency Assistance etc.
• Special Senior Citizen Plan available for individuals between 61-70 years of age without any medical test
• Coverage of pre-existing ailments and maternity – in case of life threatening situations
• Coverage available for sportspersons and trips involving winter/adventurous sports (subject
to prior declaration, premium loading and underwriting approval)
• Wider durations can be covered – upto 182 days, which is extendable upto 365 days
• Automated extensions of Policy in case of medical emergency and evacuation (upto 30 days) and delay of common carrier (upto 7 days) beyond Policy expiry
• 24 Hour Emergency Cashless Services offered through Emergency Assistance Service Provider.
Medical Contingencies
Medical Expenses including Transportation and Evacuation Company take care of emergency medical expenses incurred by customer or any of customer’s family members whilst abroad, for any sudden disease, illness, injury or death, with cashless facility.
Company also reimburses emergency expenses towards medical evacuation to India. Company cover the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one’s untimely demise.
Dental Care Expenses
Company covers dental expenses incurred by customer or any of customer’s family members for any acute anesthetic treatment of teeth due to an injury.
Personal Accident
Company pays compensation if customer or any of customer’s family members unfortunately sustain accidental bodily injury during the trip.
Accidental Death & Dismemberment - Common Carrier
Company also pays compensation for permanent disability or loss of life arising due to an accident while riding as a passenger in a common carrier.
Daily Allowance in case of Hospitalisation
If customer or any of customer’s family members is hospitalised for more than 2 days, company provide a daily allowance as compensation.
Compassionate Visit
Company reimburses the return fare for an immediate family member to visit customer in the unfortunate event of customer being hospitalized for more than seven consecutive days.
Personal Possession Contingencies
Loss of Passport
Company reimburses actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss.
Total Loss of Checked Baggage
Company compensate customer for the total loss of customer’s checked-in baggage caused by a common carrier.
Delay of Checked Baggage
If customer’s checked-in baggage is delayed for more than 12 hours, company reimburses reasonable expenses incurred for the purchase of toiletries, clothing and medication.
Time-based Contingencies
Trip Delay
Company reimburses additional expenses if customer’s trip is delayed for more than 12 hours due to airline problems, medical problems, personal employment problems or natural disasters.
Trip Cancellation & Interruption
If customer’s trip is cancelled or interrupted due to any medical emergency, personal employment problems or natural disaster, company take care of any non-refundable prepaid payments or additional expenses.
Missed Connection
If customer miss customer’s connecting flight due to its delay in arrival by more than 3 hours, company provide compensation to customer for all additional expenses incurred.
Personal Liability
Company offer compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by customer or customer’s family member abroad.
Financial Emergency Assistance
Company arrange for emergency cash to be made available to customer in case of loss of travel funds due to theft.
Hijack Distress Allowance
In case of hijack of the common carrier that customer or any of customer’s family members is traveling in for more than 12 hours, company pay a special distress allowance.
Home Burglary Insurance
Company cover customer against any loss or damage caused by burglary of the contents of customer’s home in India, while customer are on customer’s trip abroad.
Exclusions under the Policy
At RELIANCE GENERAL INSURANCE, company would like things to be as transparent as possible. To ensure that customer do not face any misunderstanding when customer make a claim, company would like customer to know some of the major exclusions under the Policy.
1. Medical expenses towards treatment of any pre-existing illness (unless of life threatening nature), pregnancy or complications related to the same (unless of life threatening nature), suicide, self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcohol/drug abuse, dangerous sports, HIV/AIDS etc will not be payable.
2. No claim will be paid if customer or any of customer’s family members.
• Is traveling against the advice of a Physician
• Is receiving or on a waiting list for specified medical treatment declared in the Physician's report or certificate
• Is traveling for the purpose of obtaining treatment
• Has received a terminal prognosis for a medical condition
3. Theft or loss of passport when left unattended or not informed to Police authorities.
4. In case of loss of checked baggage, no partial loss or damage shall become payable.
5. War or Nuclear perils.
Reliance Travel Care Insurance Policy for Individuals and Families
Whether it is a fun-filled trip to Disney land or an enchanting vacation in Switzerland, sharing time with customers loved ones on a family vacation are special times which customer would cherish forever.
To ensure that customer and customer’s family are adequately protected if something untoward happens during such precious moments, company have designed a unique Plan which offers coverages against the various aspects of customer’s travel.
Key Advantages
• Custom made Plans (Platinum, Gold, Silver and Standard) are available for customer to choose from, depending on customer’s travel requirements
• Comprehensive coverage through various unique benefits like Compassionate Visit, Home Burglary Insurance, Financial Emergency Assistance etc.
• Special Senior Citizen Plan available for individuals between 61-70 years of age without any medical test
• Coverage of pre-existing ailments and maternity – in case of life threatening situations
• Coverage available for sportspersons and trips involving winter/adventurous sports (subject
to prior declaration, premium loading and underwriting approval)
• Wider durations can be covered – upto 182 days, which is extendable upto 365 days
• Automated extensions of Policy in case of medical emergency and evacuation (upto 30 days) and delay of common carrier (upto 7 days) beyond Policy expiry
• 24 Hour Emergency Cashless Services offered through Emergency Assistance Service Provider.
Medical Contingencies
Medical Expenses including Transportation and Evacuation Company take care of emergency medical expenses incurred by customer or any of customer’s family members whilst abroad, for any sudden disease, illness, injury or death, with cashless facility.
Company also reimburses emergency expenses towards medical evacuation to India. Company cover the cost of transporting the mortal remains of the deceased back home or the costs towards burial abroad, in case of one’s untimely demise.
Dental Care Expenses
Company covers dental expenses incurred by customer or any of customer’s family members for any acute anesthetic treatment of teeth due to an injury.
Personal Accident
Company pays compensation if customer or any of customer’s family members unfortunately sustain accidental bodily injury during the trip.
Accidental Death & Dismemberment - Common Carrier
Company also pays compensation for permanent disability or loss of life arising due to an accident while riding as a passenger in a common carrier.
Daily Allowance in case of Hospitalisation
If customer or any of customer’s family members is hospitalised for more than 2 days, company provide a daily allowance as compensation.
Compassionate Visit
Company reimburses the return fare for an immediate family member to visit customer in the unfortunate event of customer being hospitalized for more than seven consecutive days.
Personal Possession Contingencies
Loss of Passport
Company reimburses actual expenses incurred for obtaining a duplicate or fresh passport in the event of a loss.
Total Loss of Checked Baggage
Company compensate customer for the total loss of customer’s checked-in baggage caused by a common carrier.
Delay of Checked Baggage
If customer’s checked-in baggage is delayed for more than 12 hours, company reimburses reasonable expenses incurred for the purchase of toiletries, clothing and medication.
Time-based Contingencies
Trip Delay
Company reimburses additional expenses if customer’s trip is delayed for more than 12 hours due to airline problems, medical problems, personal employment problems or natural disasters.
Trip Cancellation & Interruption
If customer’s trip is cancelled or interrupted due to any medical emergency, personal employment problems or natural disaster, company take care of any non-refundable prepaid payments or additional expenses.
Missed Connection
If customer miss customer’s connecting flight due to its delay in arrival by more than 3 hours, company provide compensation to customer for all additional expenses incurred.
Personal Liability
Company offer compensation for liability/damages paid to a third party, resulting from death, injury or damage to health or property that is caused involuntarily by customer or customer’s family member abroad.
Financial Emergency Assistance
Company arrange for emergency cash to be made available to customer in case of loss of travel funds due to theft.
Hijack Distress Allowance
In case of hijack of the common carrier that customer or any of customer’s family members is traveling in for more than 12 hours, company pay a special distress allowance.
Home Burglary Insurance
Company cover customer against any loss or damage caused by burglary of the contents of customer’s home in India, while customer are on customer’s trip abroad.
Exclusions under the Policy
At RELIANCE GENERAL INSURANCE, company would like things to be as transparent as possible. To ensure that customer do not face any misunderstanding when customer make a claim, company would like customer to know some of the major exclusions under the Policy.
1. Medical expenses towards treatment of any pre-existing illness (unless of life threatening nature), pregnancy or complications related to the same (unless of life threatening nature), suicide, self inflicted injury or illness, mental disorder, anxiety, stress or depression, venereal disease, alcohol/drug abuse, dangerous sports, HIV/AIDS etc will not be payable.
2. No claim will be paid if customer or any of customer’s family members.
• Is traveling against the advice of a Physician
• Is receiving or on a waiting list for specified medical treatment declared in the Physician's report or certificate
• Is traveling for the purpose of obtaining treatment
• Has received a terminal prognosis for a medical condition
3. Theft or loss of passport when left unattended or not informed to Police authorities.
4. In case of loss of checked baggage, no partial loss or damage shall become payable.
5. War or Nuclear perils.