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Travel Insurance Online

Embarking on a trip often requires a lot of prior preparations. From shopping to packing the items needed for the trip, everything demands care. To cover unexpected, out of pocket expenses, people get travel insurance to have a safe and fruitful trip. Though you make many preparations to be safe and make your travel experience a memorable one, there are uncertainties that can make their way at any time.

Choosing the right travel insurance plan one is also a crucial decision. More than trip cancellation benefits, Religare travel insurance focuses on medical benefits like evacuations. Be it occasional travellers or regular flyers, everyone needs travel insurance based on their needs. So, to tackle the risks of traveling abroad like loss of passport, loss of checked baggage and delays, getting Religare travel insurance is a wise choice.

Catering to people in all walks of life, there is always a type of travel insurance that suits their requirements in a cost-effective way. Travel insurance plans come with different plans for different requirements. There will be comprehensive coverage of both medical and health benefits through Religare travel insurance.

Why Travel Insurance?

Travel insurance is one of the most important aspects through which you can ensure that you have a secure journey. Buying travel insurance is a sensible decision as it will protect you from any unpredictable traveling accidents such as missed flight, injuries, natural calamities, tourists' agencies going bankrupt, getting ill in a foreign country, becoming the victim of terrorist attacks, etc.

There are a wide variety of travel insurance plans that one can choose from. While some of these packages provide coverage for missed flights, others cover medical evacuation or unforeseen flight accidents. Check out some of the travel insurance coverage that Religare offers to its customers.

  • Flight delay/cancelled: This type of travel insurance pays for the insured person's accommodation, food, and other necessary expenses in the event of a flight being cancelled or delayed.
  • Trip Cancellation Insurance: The trip cancellation insurance covers all the expenses that you may incur while cancelling the trip because of a few uncertain events. Mainly, this insurance can be claimed when the insured person had to cancel their trip because of an illness, accident, close family member’s death, and other such critical conditions.
  • Medical Travel Insurance: The medical travel insurance covers the expenses of an evacuation, a condition when the insured person is critically ill and needs to be sent to the nearest hospital or his/her hometown country for treatment.
  • Baggage Loss: This type of travel insurance reimburses the insured person in the event of baggage lost, stolen, or delayed. If you do not receive the baggage within 12 hours of your arrival at the destination, you can claim this insurance.

Why Religare Travel Insurance?

Getting your travel insurance from a trusted company is extremely important. Some people dubiously think that health insurance will cover all unexpected expenses and travel insurance is not mandatory. Religare travel insurance offers policy coverage for the expenses of both in-patient and out-patient medical bill of the insurer.

  • Unlike other online travel insurance, Religare takes existing diseases into considerations as well and provides coverage in case the condition of the patient is life-threatening and needs immediate medical help.
  • Not merely covering the hospital bills, Religare travel insurance also provides daily allowances for the patient during their stay in the hospital. Such daily expenses for the patient may be transportation, meals, communication expenses and more.
  • Religare international travel insurance covers the expense incurred for medical evacuation and transportation charges for the insured in case of the emergency medical requirement in any network hospitals that are close by.
  • It offers customized insurance packages according to one's own requirements.
  • Travel insurance is issued online instantly making it more convenient than any other insurance provider.
  • Excellent customer support for any assistance regarding the details of the travel insurance plans or for settlements. Any problem or dispute is addressed 24/7 at Religare.

Types of Travel Insurance

There are three distinctive types of travel insurance. They are for individuals, students, and groups.

  • Explore:Explore is the name of the International Travel Insurance-type specially intended for individuals. It is a country-specific plan designed to cut down costs. International travel insurance covers different medical benefits such as medical evacuation, in-patient and out-patient hospital bills, coverage for pre-existing ailments and much more. Some of the non-medical benefits of International Travel insurance is the coverage for delay, cancellation, and interruptions during travel. Getting Religare’s international travel insurance will prove to be an investment rather than an expense when it comes handy during medical exigency.
  • Student Explore: For students who wish to travel abroad for higher studies can get international travel insurance for students. The student travel insurance can be modified and customized according to the requirements of the university they are enrolled in.
  • Group Explore:Whether you are traveling with a group of friends or colleagues, having a group travel insurance is of good use. Ensure a safe and worry-free journey for your employees, be it abroad or locally with overseas and domestic travel insurance respectively. This type of travel insurance is more flexible as you can choose the type of insurance pertaining to a single trip or annual multi-trip policy.

Single trip insurance is valid for a single trip and has validity for a set number of days. The policy period in single trip insurance can be for a duration of 365 days. Single trip insurance is for occasional or non-frequent travelers. For people who are regular flyers, there is a policy that suits their needs which is the Multi-trip travel insurance.

International Travel Insurance

Applicable worldwide, Religare travel insurance policy can be customised according to the geographical location. You can get country-specific international travel insurance plans covers various medical benefits and non-medical benefits. Here you pay per-day rates rather than for slabs, thereby reducing the cost. Some of the medical benefits of overseas travel insurance at Religare include hospitalisation cover which includes the bill of both in-patient and out-patient department.

Key Benefits of International Travel Insurance Plan

  • It provides 20% sum insured as outpatient care. Personal accident and dental expenses are covered under International travel insurance issued by Religare. Double Sum is insured for accident hospitalization of the insurer
  • It covers common career accidental deaths and provides coverage for pre-existing health problems
  • International travel insurance provides cashless claim settlements
  • The policyholder can easily upgrade into business class seats during their flight with this type of Overseas travel insurance
  • The policy settles all the monetary losses incurred during the flight due to the delay for valid reasons
  • Through Religare, getting international travel insurance online happens just in few minutes
  • Non-medical travel insurance benefits are the coverage for loss of checked baggage and loss of passport
  • Any interruption, delay or cancellation of the trip cost will be covered through international travel insurance at Religare
  • Coverage for up gradation to business-class and medical evacuation in case of emergencies are also provided

There are some countries which specify that carrying a medical insurance is mandatory. For instance, in the Schengen region, some types of medical insurance is definitely a prerequisite before getting a visa. The Schengen region is a collective collaboration of 26 European countries which act as one single country to facilitate international travel plans. Even for countries which do not specify the need for travel insurance, it is always advisable to have one as any medical expense outside India is definitely 10 times costlier than the home town. So, to be on a safer side always get your international travel insurance before flying.

Business Travellers

For frequent travellers, the multi-trip policy can be availed which can help in saving the cost of getting a separate travel insurance for each trip.

Religare international travel insurance has many benefits compared to other market policies. A 2-way compassionate visit provides coverage for one family member of the insurer to fly to the location of the insurer. Since the travel insurance is geographic based plans, it is cost-efficient as they are framed by considering the medical expenses in that particular region rather than generalizing the cost.

Student Travel Insurance

Students abroad are prone to a high risk of uncertainties when they are away from family and friends. The cost of casualties and hospitalization abroad may be exorbitantly high. Student travel insurance provides cover for such cases.

If students avail travel insurance, they can focus only on studies and be back with good memories. Student travel insurance is considered the most cost-effective insurance in India as it has cashless settlements. The student travel insurance policy covers unforeseen medical expenses of the students. For the students who travel to study abroad, financial emergencies are inevitable. In such a scenario, student travel insurance comes in handy. The insurers are assisted with 24/7 customer support to answer any queries relating to the policy.

Key Benefits of Student Travel Insurance Plan

  • Students traveling to European countries under the Schengen territory need to apply for a Schengen travel insurance. Students pursuing an education abroad have different travel insurance for Schengen visas according to the need of the universities.
  • Customizing the insurance policy according to the mandatory requirements of the university proves the versatility of this type of travel insurance.
  • There is immense flexibility in choosing your own geographical coverage of the policy, unlike other travel insurance plans that have a single plan for all geographical locations.
  • It has no upper age limit and no per ailment limit.
  • The policy provides double the sum insured in case of hospitalization due to an accident of the insurer.
  • No pre-medical check-ups.
  • The coverages offer a comprehensive package that includes various travel related benefits and coverage for personal accident.
  • Best low-cost travel insurance plan. Students can customize their policy covers with respect to the universities according to their needs.
  • We provide an opportunity to select the travel insurance for the tenure of 1 month to a maximum of 3 years.
  • The insurer has the option of selecting the geographical location for the scope of coverage of the travel insurance. It offers Cashless claim settlements and fast disbursement of claims.

Group Travel insurance

Travel insurance for groups provides coverage for both international and domestic journeys. There are single trip policies that provide coverage for a single journey either abroad or domestic. For frequent travellers, travel insurance for annual multi-trip is the best.

The annual multi-trip policy is cost-efficient as it saves the cost of getting a single policy done for every single trip. The group travel insurance provides cover for non-medical expenses as well as medical expenses.

Key Benefits of Group Travel Insurance

  • The group travel insurance offers flexibility to choose between single-trip policy and annual multi-trip policy
  • Provides considerable sum for dental expenses
  • Provides double the sum insured in case of hospitalization of the insured due to emergencies
  • Apart from adventure sports injury, it also provides cover for self-inflicted injury
  • It covers expenses for an adventure sports injury
  • The policy provides coverage for out-patient and in-patient medical expenses
  • You will get a specially dedicated admin as the guide for travel policies during the insured period
  • It offers widespread coverage for medical tests like radiotherapy, chemotherapy, mammography and cancer screening in-network hospitals
  • Non-medical expenses like the cover for the loss of checked baggage and loss of passport
  • Provides some cover for personal liability and bail bonds under the travel insurance plan
  • The specialty of the Religare’s group travel insurance plan is its consideration for pre-existing diseases. It covers the medical expenses due to a threatening medical condition due to such existing diseases.
  • This policy covers various losses like loss of passport, loss of baggage and loss of international driving license

Coverage under Religare travel insurance

Religare travel insurance has gained prominence in the country due to its impressive package which covers medical expenses, non-medical expenses, automatic policy extension, insurance renewals, attractive and affordable premium charges and a lot more.

  • Provides comprehensive coverage for in-patient and out-patient medical expenses whilst abroad
  • Certain pre-existing ailments are also provided cover which needs immediate medical attention due to a life-threatening emergency of the illness to the insurer
  • Eligibility for a daily allowance for various expenses like meals, transportation, and communication throughout your stay in the hospital.
  • Cover for medical evacuation and charges incurred for transporting the insurer to the network hospitals due to a medical emergency.
  • A cover for the loss of checked-in baggage, which was in a common carrier.
  • In case your passport is lost then the expenses incurred for getting back your lost passport or expenses incurred for renewing or getting a fresh passport are all reimbursed
  • Cover for personal accident.
  • Continuous support from the customer service team to help you out regarding any doubts and claims of the policy.
  • Provides cover for medical expenses abroad and also the medical expenses incurred in the hometown.

Exclusions under Religare travel insurance

Though we have discussed various aspects covered under Religare travel insurance, there are certain criteria which are not covered under it. Exclusions can be defined as those cases which do not get coverage under the policy. Hence, it is advisable to check the exclusions of your travel insurance policy to know what is not included in it.

Religare travel insurance is popular amongst Indians who travel to Australia, US, UK, Asia, and Europe as they provide the most convincing package than their competitors. The following are the exclusions under the Religare travel insurance:

  • The various expenses that arise due to the influence of drugs or alcohol used by the insurer.
  • The expenses or cost incurred due to terrorist attack or war
  • Any uncertainties caused due to ionizing radiation and contamination.
  • Any claims that link to hazardous activities.
  • Any misconduct or breach of law by the insurer.
  • There is a waiting period of 30 days after getting a Religare travel insurance, during which any medical expenses due to illness cannot be claimed unless it is caused by an injury.
  • Sexually transmitted diseases like HIV-AIDS.

Eligibility Criteria to Avail Travel Insurance

Selecting the right kind of travel insurance may help you save a lump-sum amount in case you land up with a medical expense abroad. However, you need to make sure whether you are eligible to buy one as there are certain clauses associated with it. Let us find out the eligibility criteria for getting a travel insurance policy.

  • There is a minimum age of entry which is one day for both single trip and multi-trip policy.
  • The maximum age for a Religare overseas travel insurance policy is 70 years for multi-trip and no age limit for getting a single trip travel insurance.
  • The single trip insurance has no renewal age limit whereas it is up to 70 years for multi-trip insurance.
  • The sum insured can be $25000/$50000/$100000, and the sum insured for European countries is between $30000 to $100000.
  • The policy tenure for single trips is 365 days and up to 60 days for multi-trip travel insurance.
  • The premiums are not generalized but are calculated by taking into account the age, the sum insured duration and destination

Is Travel Insurance Really Worth it?

Most of us plan a lot for our travels and get so many things ready to make our journey fruitful. But, we often tend to overlook the prominence of travel insurance. Travellers are more prone to uncertainties and illnesses when abroad and there is no sure way to assure you a safe trip. Hence getting travel insurance for you and your family saves your cost and time involved when there is a need for medical and non-medical expenses abroad.

Getting yourself insured does not protect you from such misfortunes that happen but eventually provides compensation in the form of reimbursements or paying the medical bills. etc. Medical treatment may cost you hefty in an unknown land especially if there arises a need for major operations due to illness; then travel insurance will help you pay the bills. Even the expenses for medical evacuation are borne by the travel insurance and you will be admitted to a nearby network hospital by the insurance providers. Thus, to protect you from exorbitant medical expenses abroad, you should buy travel insurance.

Is Travel Insurance Compulsory When Traveling Abroad?

Yes, it is definitely recommended to get travel insurance when travelling abroad due to various valid reasons. Though it does not guarantee protection against uncertainties, it surely provides valuable compensation for your medical and non-medical expenses. Which, otherwise, would have been sky-rocketing if you do not carry a travel insurance policy. Especially to the ones who need to stick to a certain travel budget, travel insurance comes with so many benefits to save them during the crisis.

Religare travel insurance is widely popular as 10% of the sum insured is for pre-existing ailments. It protects you from the medical expenses incurred in the home town as you may be advised to get treated back in hometown from the medical practitioners abroad. Opting for region-specific travel insurance will save your cost as its premiums are calculated based on the medical expenses of that particular geographical area.

Losses, cancellations, and delays during your flight may be daunting as they arrive without notice. So, obtaining travel insurance will provide cover for expenses incurred for getting a lost passport or loss of checked-in baggage. Travelling abroad requires overseas travel insurance to save your expenses due to hospitalization, cancellation of flights, lots of things like checked baggage and passport, etc.

Importance of Travel Insurance for International Students

For students who wish to travel abroad for higher studies, student travel insurance based on the requirements of universities can be applied. Most often students will be interested in shopping their outfits rather than thinking of travel insurance. Parents also sometimes fail to foresee its importance for their ward and bid adieu without proper cover.

Suppose a student meets with an accident abroad, then imagine the trauma for the student who is undergoing surgery in the hospital. Students might have money to handle their daily expenses but may not be equipped with more money to pay for these hospital bills. In such a case, if the student has enough cover in the form of travel insurance, then the hospitalization expenses and medical evacuation charges will be borne by the insurance company- making it more convenient for the student to get treated and recover without worrying much about the expenses.

There is room for sponsor protection wherein if there is a demise of the sponsor for the student, then the expenses for the completion of student's education to be completed will be completely borne by the travel insurance company.

Factors to Consider when Buying Online Travel Insurance

There are certain factors or criteria to watch out for before jumping into buying travel insurance. Considering such factors before getting online travel insurance will help you get a policy with a comprehensive package covering major requirements whilst traveling.

  1. Geographical location:Before you plan a trip cross-check with your travel insurer if they cover that particular demographic location where you intend to travel.
  2. Sub-limits:Knowing the limits of the aspects under which you can claim is necessary as some insurance policies may provide partial coverage and not full.
  3. Schengen check:If you are traveling to a country under the Schengen region then cross-verifying, if you have travel insurance for Schengen visa, is essential
  4. Exclusions:Though travel insurance covers many expenses including medical and non-medical bills, always watch out for the exclusions that are not covered under the policy to be cautious and aware. It also avoids unclear assumptions regarding the policy, and hence understanding exclusions are necessary.
  5. The procedure for intimation of the claims:It is wise to know in detail the process of intimation of the claim as different companies have a different process of claims and settlements. Sometimes insurers may have tie-ups with local insurance providers then, in that case, knowing vital pointers for the claim is mandatory.

Tips on Choosing the Best Online Travel Insurance Plans

If you are looking for travel insurance, then remember the following pointers before buying one.

  • First, understand the travel insurance policy and accordingly analyze the market and get a plan that suits your needs the best.
  • Find out the extent of geographical coverage.
  • Make sure to opt for an online travel insurance from a trusted company and know the size of deductibles under your plan.
  • Do not try to have compatibility between your health insurance back home and your travel insurance. As the cover for illness and medical expenses depends on the insurance company and the plan you choose.
  • Understand your needs by properly gauging risk aversions, travelling means, various activities you might be doing during the journey and your duration of the trip
  • Find out the extent of coverage for every cover the insurer provides. As some fields may have complete coverage and some might have a partial cover, so compare travel insurance of different companies before you choose one.
  • The amount of premium you are paying should be apt for the plan type.
  • Check for the exclusions which might imply no cover for loss due to a natural disaster or civil commotion. Checking the list of exclusions will help you choose an insurer who has the least number of exclusions.
  • Look for domestic cover as well as international cover in your travel insurance to benefit both ways.
  • It is wise to know if you are opting for a single trip policy or annual multi-trip policy. Other than frequent travellers it is advisable to have a single trip policy.

Difference Between Health and Travel Insurance

Since travel insurance has some similarities to health insurance, people often get confused to identify the difference between the two.

  • Health insurance defrays the expenses incurred for regular medical checkups, emergency medical expenses, medicine charges and other inpatient bills that fall under the health insurance network you choose
  • Health insurance provides continuous cover as long as its premiums dues are paid promptly whereas travel insurance is for a particular span of the period which mostly covers your period of travel
  • Travel insurance intends to cover the loss of passport or checked-in baggage whereas health insurance does not cover for any such non-medical losses.
  • Travel insurance can opt for multiple trips annually into one policy. Such an annual multi-trip policy saves cost if you travel 3 to 4 times a year abroad. Health insurance does not compensate for any cancellations of flights and other delays.
  • If you are traveling domestically then for any medical bills your health insurance will be claimed first, and next will be your insurance coverage from travel insurance.

Claim Process for Travel Insurance

Travel insurance offers immense benefits and covers spread over a wide range of issues. There are certain prerequisites you need to follow to make your insurance claim process easier. If there arises a need for reimbursements or claims, following simple steps will help your insurance claim better and easily:

  • Ensure that you have originals as well as photocopies of valuable documents like passport, visa, travel insurance policy, international health insurance and details of your flight
  • It is advisable to leave a copy of important documents with a family back home in case they need to report to the insurance provider
  • Having the details of the valuables you carry and emailing it to secure ids will help you get cover for stolen items
  • It is wise to have your insurer's phone number and policy number handy to get any medical assistance during an emergency
  • Keeping all the receipts of medical bills will help you speed up the process of claiming
  • A return confirmation from your tour operator regarding cancellations or delay in flights will be useful to claim the amount
  • Registering online by filing a claim form is the easiest and convenient way to get the money from the insurance providers
  • You can also contact travel insurance providers by their international toll-free numbers to assist you with your claims

How to Calculate Premium for Travel Insurance Online

The premium amount for your insurance plan can be calculated online using an online travel insurance premium calculator. It gives you a rough idea about the cost involved in getting travel insurance. The following details are to be provided to calculate the travel insurance premium.

  • The geographic location of your travel
  • Your date of birth
  • Your duration of travel
  • Choose if opting for a classic or premium package

After you submit these details premium amount will be displayed for your online travel insurance.

Travel Insurance Portability

People are opting to buy insurance directly from the insurance providers instead of choosing the ones provided by employers to get more cover for various reasons. To port travel insurance, you need to enter your premium amount and then register online with Religare and get started with the new package.

Frequently asked questions

For how many days can I extend my overseas travel insurance?

Yes, but your extension needs to be informed at least 10 days to the time of expiry of your travel insurance. A maximum of 180 days of extension period can be availed. No extension request will be entertained after the last date of the travel insurance.


Disclaimer: For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: IRDA/NL-HLT/RHI/P-T/V.II/23/14-15. UAN2: 19032844.

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