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  • No pre-policy medical
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  • Coverage includes
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Religare Travel Insurance

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 any time. Often considered an unnecessary expense, travel insurance has now become a mandatory thing like car insurance.

Choosing the right one is also a crucial decision, this is where we make it easier. More than trip cancellation benefits, Religare travel insurance focuses on medical benefits like evacuations and more. Travel insurance protects you and your family in case of mishaps or difficulties during travel. Be it occasional travellers or regular flyers, everyone needs travel insurance based on their needs. Travel insurance provides protection according to the geographical location of the plan. There are specific covers of travel insurance for Schengen visa and International travel insurance. So, to tackle the risks of travelling 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 insurances come with different plans for different requirements. There will be comprehensive coverage of both medical and health benefits through Religare travel insurance. So, instead of considering travel insurance as just another means of expense, consider it as a useful means to make your travel free of worries. Your travel insurance will cover unexpected medical bills during travel, losses, cancellations and much more. It is the era of the modern world, so getting your own travel insurance online is a hassle-free job. It can be done with a few clicks online. Instant payments mean getting insured within minutes online.

Out of different types of travel insurance online like individual travel insurance, student travel insurance and family travel insurance, Religare travel insurance provides instant and fast processing of travel insurances. Travel insurances not only covers the medical expenses but also covers the loss of luggage, loss of passport and more. Being one of the insurance types which has not gained the prominence it deserves, travel insurance is often mistaken when it comes to understanding it and its concepts. In spite of meticulous planning for travels, unforeseen mishaps or accidents might occur. In such a scenario, travel insurance comes in handy. Especially for overseas travellers, a travel insurance is the first thing you should be packing before anything else.

Why Religare Travel Insurance?

Getting your travel insurance from a trusted company like Religare is extremely important. Some people dubiously think that the health insurance will cover all unexpected expenses and a travel insurance is not mandatory. Religare travel insurance offers policy coverage to cover the expenses of both in-patient and an out-patient medical bill of the insurer. Unlike other travel insurance online which do not cover the charges for medical emergencies due to pre-existing medical ailments, Religare takes such 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 like other existing travel insurances in the market, 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. Religare offers customised travel insurance packages according to one's own requirements. There is a 24/7 customer support from Religare online. Your travel insurance at Religare is issued online instantly making it more convenient than any other insurance providers. Excellent customer support for any assistance regarding the details of the travel insurance plans or for settlements, Religare assistance is always available. So, any problem or dispute is also addressed 24/7 at Religare.

Types of Travel Insurance Plans

There are three distinctive types of travel insurance. They are for individuals, students and groups. Accordingly, there is a travel insurance policy that suits each individual's distinct needs.

  • Single trip insurance is the type which is valid for a single trip and has a 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 travellers
  • For people who are regular flyers, there is a policy which suits there needs which is the Multi-trip insurance. Under multi-trip insurance, you can choose between the two available options with Religare

First one is for a maximum period of 45 days per trip and the second one is for a maximum of 60 days per trip.

Three main types of travel insurance provided by Religare are Explore, the Student Explore, and Group Explore.

  • Explore: Explore is the name of the International Travel Insurance-type specially intended for individuals, provided by Religare. It is a country-specific plan designed to cut down costs. International travel insurance by Religare 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 Religare Travel insurance are the coverage for delay, cancellation and interruptions during travel. Coverage for loss of passport, checked-in baggage and more. Getting international Religare 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 a student international travel insurance. The student travel insurance can be modified and customised according to the requirements of the university they are enrolled with.
  • Group Explore: Whether you are travelling 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 travel insurance and domestic travel insurance respectively. This type of group travel insurance is more flexible as you can choose the type of insurance pertaining to single trip travel insurance or annual-multi trip policy.

International Travel insurance

Applicable worldwide, Religare travel insurance policy can be customised according to the geographical location. You can get country-specific travel insurance plans in Religare to suit your requirements. The international worldwide travel insurance 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.

  • 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 separate international travel insurances for each trip. Whereas for students who take a flight to pursue their studies abroad, student travel insurance can be availed.

Religare international travel insurance has many benefits compared to other market policies. A 2-way compassionate visit which provides coverage for one family member of the insurer to fly to the location of the insurer. In case a person who travelled abroad alone with a child is hospitalised, then International travel insurance by Religare covers the expenses of the travel of the child back to the home town. Since the international 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 generalising the cost.

Student travel insurance

Students in 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, therefore Religare 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. Students who travel abroad to pursue their studies in international universities have extensive benefits through the student travel insurance from Religare. Religare student travel insurance is considered the most cost-effective insurance in India as it has cashless settlements. The student travel insurance is a policy by Religare that covers the unforeseen medical expenses of the students. Once the students are studying abroad, financial emergencies are inevitable. In such a scenario, Religare student travel insurance comes in handy. Religare is the most sought-after student travel insurance as their premiums are comparatively lower compared to other student travel insurances offered by universities. The insurers are assisted with 24/7 customer support to answer any queries relating to the policy.

  • Students travelling to European countries under Schengen territory need to apply for Schengen travel insurance. Students pursuing an education in abroad universities have different travel insurance for Schengen visa according to the need of the universities
  • Overall Religare travel insurance for students offers a comprehensive package of medical, non-medical and travel expenses
  • Customising 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 insurances in that have a single plan for all geographical locations
  • Religare student travel insurance has no upper age limit and no per ailment limit
  • The policy provides double the sum insured in case of hospitalisation due to an accident of the insurer
  • One unique feature of student travel insurance in Religare is that it does not demand pre-medical check-up before providing the travel insurance
  • The coverages and benefits of Student travel insurance in Religare offers a comprehensive package which includes various travel inconvenience benefits and coverage for the personal accident
  • Best low-cost travel insurance plans are found only with Religare. With respect to the universities in which they are studying, students can customise their policy covers according to their needs
  • Religare provides the opportunity to select the student 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. Cashless claim settlements and fast disbursement of claims

Group Travel insurance

There is a saying that journeying makes you a storyteller. You can have fruitful memories to cherish with a group travel insurance by Religare when you are travelling as a group. Religare travel insurance for groups provides coverage for both international and domestic journeys. There are single trip policies which provide coverage for a single journey either abroad or domestic. For frequent travellers from office group travel insurance for annual multi-trip is the best. Annual multi-trip policy if cost efficient as it saves the cost of getting single policy done for every single trip. The group travel insurance provides cover for non-medical expenses as well as medical expenses. This group travel insurance for your employees will be a wise choice as perfect corporate travel insurance.

  • The group travel insurance at Religare offers flexibility to choose between single-trip policy and annual multi-trip policy
  • Provides considerable sum for dental expenses
  • Religare provides double the sum insured in case of hospitalisation 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 outpatient and inpatient 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 speciality of Religare group travel insurance is its consideration for pre-existing diseases and 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 and attractive and affordable premium charges and a lot more. Finding and reading the policy to understand what all are covered under the plan is a good practice and renewing insurance online on time is better as you may not be wondering about it when the need arises. Because insurance claims arise out of uncertain causes and hence being prepared for it is a wise decision.

  • The travel insurance provided by Religare provides comprehensive coverage for inpatient and outpatient 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
  • Throughout your stay in hospital is eligible for a daily allowance from Religare for various expenses like meals, transportation and communication.
  • Religare insurance policy provides 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 is covered. Suppose there is a delay in providing the receipt for checked -baggage for more than 12 hours when such delays are also provided compensation
  • 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 by Religare
  • There is a cover for personal accident
  • Continuous support from customer service team of Religare is there to help you out regarding any doubts and claims of the policy
  • It not only provides cover for medical expenses abroad but also covers the medical expenses incurred in the home town

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. For example, other insurance providers may not provide coverage for adventure and sports. So, knowing that better will help you plan your travels better. Religare travel insurance online is popular amongst Indians who travel to US, Australia, 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 is not covered under travel insurance by Religare
  • Any uncertainties caused due to ionising radiation and contamination are not covered
  • Any claims that link to the hazardous activities is not entertained at Religare
  • Any misconduct or the breach of law by the insurer will not be supported by the Religare travel insurance
  • 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
  • The other exclusions include any sexually transmitted disease like HIV/ AIDS is not covered here

Basic eligibility criteria to avail travel insurance

Since travel insurance is very important before your journey, you need to make sure whether you are eligible to buy one as there are certain clauses associated with it. So, it is recommended to book travel insurance before you book your holiday. 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. Religare insurance provides convincing premium rates as it is based on the geographical location and hence finding eligibility criteria and getting a travel insurance from Religare is a smart thing to do.

Let us find out the eligibility criteria for getting a travel insurance policy from Religare.

  • 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 by Religare
  • The premiums are not generalised but are calculated by taking into account the age, sum insured duration and destination

When is travel insurance crucial?

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 your self-travel insurance 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 cast 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. Travel insurers will get a full amount reimbursement for the medical expenses incurred abroad.

For example, when abroad, like the wonderful destination of Miami, you are holidaying on a beach with soothing music around listening to the gushing water on a bright day. You suddenly happen to bump against a rock, hurt your knee and start bleeding profusely. Now, if you haven't got a travel insurance, you will have to bear the expenses of getting admitted to a hospital and take care of the charges of the treatments all by yourself. Imagine the expenses that this might amount to. Thousands of dollars in a foreign land! So, in such a scenario, a person who has travel insurance might be able to handle the situation with ease as the expenses incurred for hospitalisation is completely covered under travel insurance online. Even the expenses for a medical evacuation is 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 travelling abroad?

Yes, it is definitely recommended to get travel insurance when travelling abroad due to various valid reasons.

Continue to read on to know the importance of having travel insurance when travelling abroad.

If you wish to travel abroad around the world, you may be uncertain as to what might come in your way and interrupt your journey. Though travel insurance does not guarantee uncertainties, it surely provides valuable compensations for your medical and non-medical expenses. Which, otherwise, would have been sky-rocketing if you do not carry an international travel insurance policy. Especially to the ones who need to stick to a certain budget for travels, travel insurance comes with so many benefits to save them during crisis. Though you may not wish for any unforeseen situations while travelling abroad, travel insurance certainly protects you with different covers. For students who wish to travel abroad for higher studies student travel insurance based on the requirements of the universities can be applied for higher features.

Religare travel insurance is widely popular as 10% of the sum insured is for pre-existing ailments. Travel insurance protects you from the medical expenses incurred in home town as you may be advised to get treated back in home town from the medical practitioners abroad. Opting for region-specific travel insurance will save your cost as its premiums are calculated base 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 needs overseas travel insurance to save your expenses due to hospitalisation, cancellation of flights, lots of things like checked baggage and passport etc.

Is travel insurance mandatory for international students?

For students who wish to travel abroad for higher studies student travel insurance based on the requirements of the universities can be applied for higher features. Students light travel abroad to complete their higher studies in foreign universities or may travel for pursuing a gap year programme. Most often students will be interested in shopping their outfits rather than thinking of travel insurance. Parents also sometimes fail to foresee the importance of international travel insurance 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 and may not be equipped with more money which can pay for these hospital bills. In such a case, if the student has enough cover in the form of international travel insurance, then the hospitalisation 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 in travel insurance wherein if suppose there is a demise of the sponsor for the student suddenly, then the expenses for the student's education to be completed will be completely borne by the travel insurance company.

Factors to consider when buying travel insurance online

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

  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 policy may provide partial coverage and not full
  3. Schengen check: If you are travelling to a country under the Schengen region then cross-verifying, if you have travel insurance for Schengen visa, is essential
  4. Exclusions: Though international travel insurance online 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 for student travel insurance, group travel insurance and individual travel insurance. 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 travel insurance plans

  • If you are looking for travel insurance, then remember the following pointers before buying one. You can also feel relaxed during your vacation if you had the best travel insurance
  • First understand your International travel insurance policy better. Analyse the market and get a plan that suits your needs the best
  • Find out the extent of geographical coverage of your international travel insurance and make sure you get Travel insurance for Schengen visa if you are travelling to any of the 26 European countries that come under the Schengen category
  • Make sure that the company you choose to buy travel insurance online is 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 international travel insurance. As the cover for illness and medical expenses depends on the insurance company and the plan you choose.
  • Understand your need for travel insurance 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.
  • Amount of premium you are paying should be apt for the plan type
  • Check for the exclusions which might be 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 travel insurance cover as well as international cover in your travel insurance to benefit both ways
  • It is wise to know if you are opting for single trip policy or annual multi-trip policy. Other than frequent travellers it is advisable to have a single trip policy

Difference between travel and health insurance with global coverage

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 international 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 international health insurance does not cover for any such non-medical losses.
  • Travel insurance can opt for multiple trips annually into one policy. Such annual multi-trip policy saves cost if you travel 3 to 4 times a year to abroad. Heath insurance does not compensate for any cancellations of flights and other delays
  • If suppose you are travelling 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. If there arises a need for reimbursements or claims from your travel insurance following simple steps will help your insurance claim better and easily:

There are certain pre-requisites you need to follow to make your insurance claim process easier.

  • 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

Calculate premium for travel insurance

The premium amount for your travel insurance plan can be calculated online using online insurance premium calculators. These insurance premium calculators give you a rough idea about the cost involved in getting travel insurance. These calculators take in various inputs and do scientific calculations and help you know your travel insurance better. The geographic location of your travel has to be input. Be it US, Australia, Asia or Schengen region that needs to be specified as travel insurances are area specific. Your date of birth to know your age and to check if you fall under the maximum age limit for getting travel insurance. Your duration of the travel also needs to be specified. Then you can select if you are going with a classic package or premium package for your travel visa after you submit these details your 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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