','

' ); } ?>

Articles » Travel insurance » Religare Travel Insurance Compare & Buy Online – Reviews

religare travel insurance

     

    There are plenty of things that could go wrong while you are on a Trip despite how meticulously it has been planned.

Religare Travel Insurance secures you against the risk of medical and other travel related emergencies when you are bound to feel especially vulnerable due to the fact that you are in unfamiliar territory, far away from home.

When unexpected Diseases, illnesses or accidents occur while you are traveling overseas or you face other severe emergencies, and having travel insurance gives you access to financial comfort to making the whole experience a lot less traumatic.

Also Read: Know About HDFC Ergo Travel Insurance.

 Religare International Travel Insurance:


 An Religare International Travel Insurance Might not trigger a need in your minds and might seem like an unnecessary expense. however, this could prove to be your best investment in case of a medical exigency.

Below is the Consider the following example:

A Scenario: Simple Planner without Travel insurance  

  • Mr. A planned a vacation at Great Pyramid of Giza with a budget of 5 Lakhs
  • Air Tickets: INR 2,00,000
  • Hotel Expenses: INR 90,000
  • Food Overheads: INR 60,000
  • Shopping: INR 75,000
  • Miscellaneous: INR 40,000
  • Kept approx. INR 35,000 for Medical Emergency

WHAT HE COULD NOT PLAN!

Slipped during climbing Pyramid and hit his knee against a Rock. Immediately Landed in Hospital & hospital bill for 3-day stay was INR 7 Lakhs  

Because he had no Travel Insurance or does not plan with travel insurance, an Unfortunately  he had to pay out of his own pocket & finally total budget increased to 12 Lakhs

Opposite site with B Scenario: Smart Plan with Travel insurance

  • Mr. B planned a vacation at Hawaii with a budget of 5 lakhs
  • Air Tickets: INR 2,00,000
  • Hotel Expenses: INR 90,000
  • Food Overheads: INR 82,000
  • Shopping: INR 75,000
  • Miscellaneous: INR 50,000
  • Religare Travel Health Insurance (proximately) INR 3,000 for Medical Emergency

WHAT HE COULD NOT PLAN!

Slipped during the climb of  Pyramid and hit his knee against a Rock. Immediately landed in Hospital & hospital bill for 3-day stay was INR 7 Lakhs.

Because Mr. B had Religare Travel Insurance and Hospital bill covered by Religare Health Insurance Company.

Maximum cases in medical insurance are mandatory for Visa into some countries.

For instance, a certain minimum medical insurance is a prerequisite requirement for a visa into the Schengen Area, which comprises 26 European countries that function as a single country for international travel purposes.

Further, this insurance should be valid within the Schengen region for the full duration of your stay and it must cover any expenses relating to repatriation only for medical reasons, Any medical attention or emergency hospital treatment or death.

Even if medical insurance is not mandatory in the country to which you wish to travel, it still makes sense to purchase travel insurance before you go because medical treatment outside India is extremely expensive.

In fact, medical treatment in abroad is approx more than 5 times costlier than India.

Also Read: Know About Religare Health Insurance

Multi Trip Policy:

For frequent fliers especially business travelers, insurers offer multi-trip policies which help in substantial reducing of premium cost when compared to taking multiple policies one for each separate trip.

Religare Travel Insurance Plans:


Plan Highlights :

religare travel insurance plans

Plan Options :

religare travel insurance plans

Features or Coverage In Religare Travel Insurance:


1) Pre-existing disease cover: In Religare, health insurance policy covers the emergency medical treatment with a proportion of Sum Insured (10%) towards any pre-existing medical conditions.

2) Personal Accident: Personal accident also Covers any unfortunate situation arising out of an accident, death or permanent total disability, while traveling in abroad.

3) Loss of Passport: In case loss of passport during the travel insurance company will cover expenses for the issue of a new or duplicate passport.

4) Upgradation To Business Class: In the case of hospitalization. Compensates facility available for upgradation to business class for return air travel.

5) Dental Expenses: Dental expenses also covered incurred in connection with any injury while on your trip.

6) Medical Cover: Covers hospitalization or treatment if during your travel you are diagnosed with an illness, or any life-threatening previous illness.

7) Medical Evacuation: Covers costs incurred for any emergency transportation and evacuation services, the appropriate medical facility within our network.

8) Common Carrier Accidental Death: In case of accidental death lump sum payment of Sum Insured as a passenger on a common carrier/transport.

9) Daily Allowance: in case of Hospitalization pays a specified amount per day of stay at the hospital to meet numerous allied expenses.

10) 2-way Compassionate Visit: Covers transportation expenses for one immediate family member to travel to the insured’s current location.

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

Things to watch-out these things before buying any Travel Insurance Policy.

  • Destination or Geography: Before traveling one must cross-verify if the insurer they are choosing covers the exact geography they are traveling to.
  • Sub-limits: It is wise to know what all one can claim should there be a need while there is a wide list of features available, some of them might allow the insured to claim only to a certain amount. Also, check if there is any threshold per-incident or per-claim.
  • Schengen Approved: If someone travel to any country falling within the Schengen region, He must cross-check whether he travel insurance is valid. Same he can be checked from the VFS website.
  • Geography-based plans :

     The maximum number of insurers offer plans that are specific to a particular region.

This helps the insurer in giving a cost advantage to the Insured since plans are priced also keeping in mind the cost of medical treatments in that specific region or scope of coverage required along with many other factors.

Exclusions In Travel Insurance:


It is advisable to always check what is not excluded from your travel policy.

Maximum insurers, for example, don’t cover adventure sports or sports that are considered hazardous in nature or pre-existing ailments etc.

Knowing this will help you plan your excursions accordingly.

Process of Intimation of Claim:



Religare Travel Insurance Claim Processes 

It is wise to make sure you are aware of the time frame in which an insurer would want you to intimate a claim.

An insurer could tie-up with local service providers and in that case, one should carry the requisite contact points.

Also Read: Know About Religare Health Insurance

Customer Care detail (might be a difference from a claim helpline) :

          While a claim helpline number is usually printed on policy documents, it is wise to cross-verify contact points to contact in case of a service-related inquiry since a claim team might not be able to offer assistance on the same.

For example – a request for an extension might have to be raised at a different touch-points.

             Religare Travel insurance offers the family option if more than 2 members are traveling for a cost advantage. Maximum companies offer premiums on per day basis instead of slabs.

It is very easy to buy online Religare Travel Insurance!

 With the advantage of technology, buying Religare travel insurance is easy and the complete process from quote generation to policy issuance is done within few minutes and Policy issuance is online and instant.

This means even if one is at the airport waiting for their flight they can buy travel insurance before commencing their flight.

Religare Travel Insurance provides protection to you and your family if unfortunate things happen while traveling.

Religare travel insurance covers your lost baggage, flight cancellation, hospital expenses and many more.

All Indian citizens can be covered by Religare travel insurance.

Also Read: What is Insurance?

Claim Process:


You need to fill the claim form on our website and submit the following documents

  • Duly filled and signed Claim form A by Insurer and form B completed by hospital
  • Bills/Prescriptions/vouchers/reports/discharge summary, containing the name of the person treated
  • Copy of Passport of insured with entry and exit stamp
  • To claim loss of baggage, proof of the value of articles required

But It is strongly suggested that you should carry your travel insurance while traveling. In case you forget, just ensure that you remember the policy number and customer ID to claim.

Policy Cancellation: It is that easy! You just need to submit a copy of your passport that no travel has been undertaken.

Single trip Insurance: It stands valid for a single trip and is valid for the pre-defined number of days. You can opt for a policy period of up to 365 days.

Multi-trip Insurance: Go for a 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.

For Single Trip: Insurance starts the moment you board the flight.

For Multi-trips: It offers coverage of multiple trips taken by an individual in a period of one year. Coverage per trip can be 45 or 60 days.

Claim Form

Conditions:


No Sub-limits :
Religare Travel Insurance

 Extension needs to be requested 10 days before the end date of the policy.

No extension requests will be entertained after the policy end date. The maximum extension can be given for 180 days.

However, it is to be noted that the total duration of coverage including extension must not exceed 365 days.

The policy can be extended for a maximum of 180 days.

You need to call our assistance service provider to get the extension.

     Senior citizens: Religare Travel insurance policy provide the travel insurance for senior citizens with no age limit for a single trip. Maximum age limit is 70 years for multi-trip.

     Medical examination: Normally there is no medical examination required to buy travel insurance. Pre-departure which reimburses trip cancellation due to natural disaster, traffic accident, illness, etc.

     Passport: loss is covered in our Religare Travel Insurance policy. The cost of procurement of a temporary passport is also covered.

     Policy Cancellation: In case you cut short your travel, your policy can be canceled and premium will be refunded if difference Between the date of arrival of insured and end date of the policy is 15 days or more. (Cancellation charges: Rs 300 would be deducted)

    Cashless: we offer cashless facility for hospitalization duration of your travel.

    Travel in Europe: it is mandatory to buy travel insurance before you apply for Schengen Visa. We have a plan specifically for your travels in Europe.

   Tailor-made Policy: Religare International Travel Insurance provides coverage for Single and Multiple Trips to destinations all across the world with tailor-made plans for different geographies.

We even provide flexibility in the sum-insured for those plans so that you can choose the plan that suits you the best.

Also Read: What Is Life Insurance?

 Customer Care Service :

      we provide 24X7 assistance duration of your trip. Please call our toll free numbers for any query:

In USA : + 1 844 2091106 (Toll Free) In Canada : +1 844 209 1107 (Toll Free) From the rest of the world: +91 11 40608688(Call back facility)

In India: 1800 200 4488(Toll-Free and Accessible in India only) Fax: 18002006677 Email: travelclaims@religare.com .

You will also to contact our Assistance Service Provider and they will arrange for cashless claims for the medical treatment.

Toll-free number is mentioned on the cashless health card shared with policy kit. One needs to inform the service provider of hospitalization at the time of admission.

In short Basic Benefits of travel insurance is Incidence, Flight Missing, Lugged robbery, Not only for Medical emergency, Passport missing, Plane hijack, More than 12 hrs flight late, Dental covered in Religare Travel Insurance.


Leave a Reply

Your email address will not be published. Required fields are marked *

%d bloggers like this: