Religare Online Travel Insurance Visa

 explore - International Travel Insurance

Plan Detail	Explore Asia	Explore Africa	Explore Europe	Explore Canada+	Explore Gold	Explore Platinum
Geographical Scope	Asia	Africa	Europe	Worldwide Excluding US	Worldwide/ Worldwide excluding US and Canada	Worldwide /Worldwide excluding US and Canada
Sum Insured (in '000)	US $ 25, 50 & 100	US $ 25, 50 & 100	€ 30 & 100	US $ 50 & 100	$ 50, 100, 300 & 500	$ 50, 100, 300 & 500
Benefit	Deductible
Hospitalization Expenses	Yes	Yes	Yes	Yes	Yes	Yes
In-patient Care	US $ 100/€ 75	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI
Life Threatening Condition for PED	US $ 100/€ 75	10% of SI	10% of SI	10% of SI	10% of SI	10% of SI
Additional SI for Accidental Hospitalization	US $ 100/€ 75	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI
Out-patient Care	US $ 100/€ 75	20% of SI	20% of SI	30000	US $ 50,000	US $ 50,000
Daily Allowance?	2 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days	€ 25 per day, max 5 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days
Compassionate Visit?	-	-	-	-	-	-
Return of Minor Child	-	-	-	-	-	-
Up-gradation to Business Class?	-	US $ 1,000	US $ 1,000	750	US $ 1,000	US $ 1,000
Dental Expenses	US $ 100/€ 75	US $ 300	US $ 300	US $ 300	US $ 300	US $ 300
Personal Accident	-	US $ 15,000	US $ 15,000	10000	US $ 15,000	US $ 15,000
Common Carrier Accidental Death	-	-	-	-	-	-
Medical Evacuation?	-	US $ 10,000	US $ 10,000	30000	US $ 50,000	US $ 50,000
Repatriation of Mortal Remains	-	US $ 10,000	US $ 10,000	30000	US $ 50,000	US $ 50,000
Trip Cancellation & Interruption?	-	US $ 1,000	US $ 1,000	750	US $ 1,000	US $ 1,000
Trip Delay?	12 hours	US $ 500	US $ 500	300	US $ 500	US $ 500
Loss of Checked-in Baggage?	-	US $ 100	US $ 100	100	US $ 100	US $ 100
Delay of Checked-in Baggage?	12 hours	US $ 100	US $ 100	100	US $ 100	US $ 100
Loss of Passport?	-	US $ 300	US $ 300	250	US $ 300	US $ 300
Personal Liability	US $ 100/€ 75	US $ 100,000	US $ 100,000	75000	US $ 100,000	US $ 100,000
Trip Options
Single Trip	Yes	Yes	Yes	Yes	Yes	Yes
Multi Trip (Policy will be on annual basis)	No	No	No	No	Yes	Yes
Trip Duration (days)
Minimum	2	2	2	2	2	2
Maximum (Single Trip)	365	365	365	365	365	365
Maximum (Multi Trip)	-	-	-	-	45 or 60 days	45 or 60 days
Entry Age - Single Trip
Minimum	1 day	1 day	1 day	1 day	1 day	1 day
Maximum	No Age Bar	No Age Bar	No Age Bar	No Age Bar	No Age Bar	No Age Bar
Entry Age - Multi Trip	-	-	-	-	Yes	Yes
Minimum	-	-	-	-	1 day	1 day
Maximum	-	-	-	-	70 years	70 years
Sub-limits applicable (For age 61 years and above) As per Appendix	Yes	Yes	No	Yes	Yes	No
Family Option*	Yes	Yes	Yes	Yes	Yes	Yes

What is not covered?

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.

War and Nuclear perils or consequences thereof

Ionising Radiation or contamination arising out of the same

Any intentional self-injury, suicide or attempted suicide

Any claim relating to hazardous activities

The insured being involved in Breach of law

HIV/AIDS

FAQs

What if you cut short your trip?

No worries we can take care of that.

• Your policy can be cancelled and premium will be refunded if difference Between the date of arrival of insured and end date of policy is 15 days or more. (Cancellation charges ` 300 would be deducted)

• No cancellation will be allowed if a Claim is filed on the policy. Review your decision (only if policy is for 1 year) We have your best interests at heart and at the same time recognise that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us. Our policies come with a free-look period of 15 days from the date of receipt of policy.

What if you are a FREQUENT FLYER?

You can opt for multi trip policy if you are a frequent flyer. There are two options to choose from –

• Multi Trip with maximum 45 days per trip

• Multi Trip with maximum 60 days per trip

Choose your policy duration as per your needs In case of single trip, you can opt for a policy period up to a max. of 365 days or max. trip duration as specified under each plan. Also, if you wish to extend your policy, you can do it for a max. duration of 365 days by logging on to http://www.religarehealthinsurance.com/HP/SATYENDRAKUMARGUPTA (extension only available if policy period is less than 365 days)

What if you’re down with severe malaria but your son has to return to school?

Return of Minor Child: Covers the return cost of your minor child to your home location, in case you’re hospitalized and travelling alone with your child/children.

What if you fractured your back/spine and can’t travel economy class?

Up-gradation To Business Class: Compensates for up-gradation to business class for return air travel, in case of hospitalization for over five consecutive days, due to injury sustained whilst on a trip.

What if you want your mom to visit you while hospitalized?

2-way Compassionate Visit: Covers transportation expenses for one immediate family member to travel to the insured’s current location.

What if you wish to make a phone call to your spouse often while hospitalized?

Daily Allowance in case of Hospitalisation: Pays for (a specified amount per day of stay at the hospital) numerous allied expenses such as attendant’s meals, transportation and communication incurred but not covered under your Policy.

What if you dropped your heavy suitcase fracturing an old woman’s foot?

Personal Liability: Covers expenses against legal liability for bodily injury or property damage occurred accidentally to third parties during your trip.

What if you can’t find your passport?

Loss of Passport: Covers expenses for the issue of a new or duplicate passport.

What if regaining your Checked-In Baggage becomes a concern?

Loss of Checked-In Baggage: Covers expenses for your checked-in baggage that you lost while in custody of the Common Carrier. Delay of Checked-In Baggage: Covers expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.

What if a technical glitch caused your flight to be delayed?

Trip Delay: Covers expenses incurred if your departure is delayed beyond 12 consecutive hours due to specified reasons/issues.

What if you cancelled your trip because of a Tsunami?

Trip Cancellation & Interruption: We cover financial loss incurred out of cancellation of your trip due to an unforeseen event arising due to specified man made or natural situations.

What if you have a painful fall during your adventure trek and end up with missing teeth?

Dental Expenses: Covers dental expenses incurred in connection with any injury while on your trip.

What if the vehicle you are travelling in met with an accident?

Personal Accident: Covers any unfortunate situation arising out of an accident, death or permanent total disability, while you’re travelling abroad. What if the aircraft you’re travelling in is involved in a mid-air mishap? Common Carrier Accidental Death: Lump sum payment of Sum Insured in case of accidental death as a passenger on a common carrier/transport.

What if you have a medical emergency while mountain climbing during your trip?

Medical Evacuation: Covers all costs incurred for any emergency transportation and evacuation services, to transfer you to an appropriate medical facility within our network.

What if you contracted severe viral during your trip?

Medical Cover: Covers your hospitalization or treatment if during your travel you are diagnosed with an illness, or any previous illness reoccurs. In case you require further treatment even after your return, expenses for the same will be covered up to a period of 30 days or up to policy end date, whichever is earlier. What’s more! In case of accidental hospitalization, your policy Sum Insured is doubled.




Please call on #9811362697 for more details or click link to buy online.

The Insurance Theft Cover

Theft insurance covers all the risks against the act of stealing. Theft insurance contract cut across the three major types of theft which are burglary, robbery, and theft. Burglary is the unlawful taking of property within an enclosed premise, and there is evidence that the taking of the property is by forcible entry. The definition, therefore, restricts burglary as a theft cover of a class of criminal act. Robbery insurance theft cover on the same account is the is the coverage of the unlawful taking of property whereby the owner of the property or any person within the property is threatened with violence. In robbery theft cover, there is the necessity of personal contact.
The most common burglary theft insurance coverage is widely in the safes. Commonly, the loss is in the form of damage to the safe from the use of explosive devices or other crude tools capable of breaking the safe. This is because of the contents of the safe and the nature of the safe that makes it so difficult to lift it from ground. Safes commonly carry high valuable items such as jewelry, money or more confidence details. Nonetheless, the insurance theft covers both the types of claims. Further, burglary is common in the mercantile open stock. In this kind of insurance theft policy, there is a set limit to any jewelry under the cover because the pieces of jewelry are very expensive making the susceptible losses very high. Therefore, to avoid the under-insurance of the mercantile open stock policy is always underwrite with a coinsurance or reinsurance or with the same minimum amount of the coverage.
Insurance theft policy extends further to the business firm; this is covered through comprehensive crime contract which deals with the dishonesty of the employees as well as any loss of money and securities both within and outside the premise. It also involves the loss of the counterfeit money, fake money orders, and loss through forgery. The type of insurance theft cover encompasses a package which an average business is subjected to.
Similarly, insurance theft cover is broad at the expense that it takes care of the theft of goods in transit as well or money in transit. The most recent are the cover of theft of valuables inside a vehicle. In the scenario of the insurance theft, the company ascertains and underwrites the loss and therefore compensates the company. However, the investigation, in this case, must be very keen because of the frauds attached to it.

Tips To Choose The Best Insurance Company In Your Country

Different countries have different rates in which insurance companies sell insurance policies. A country like the United States will have those insurance companies that sell so many policies every year and those that sell just a handful in one year. The tricky part comes when you need to choose among the many to settle on the best insurance company in your country.

The first thing that you will need to consider is the size of the enterprise. Some people will call this experience. The many years that an insurance company will have been operational will form the basis on which they can best handle different cases in the best way. A company that has been in business for half a century will have the right skills when it comes to solving issues, providing advice and all other aspects of insurance. It is true to say that such a company will have been faced so many things and learned from them so that they become a walk over in the recent world.

Do a cross check of the ratings and reviews of a company before going for it. You can easily do this today by simply using your phone or a computer as long as you have internet access. You will realize that there is some analysis done for the many insurance companies in your country today. Different groups have different styles of rating so be keen not to make any mistake in your readings. Some companies will sell you the ratings while you might get others for free.

The next thing you need to confirm is the complaints that different consumers have filed against the various insurance companies. The state department of insurance is always responsible for tracking the complaints that most of the consumers are bound to placing. Otherwise, never forget that you can always seek the help of a professional just in case you have any question to ask.