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EXPLORE

INTERNATIONAL TRAVEL INSURANCE

( Trusted by 4.2 lakh customers )

No Pre-Policy medical check-ups for any age

Plans to suite where you travel to

Coverage includes Pre-Existing Illnesses

WHAT WE OFFER
Country specific plans to suit your needs
Plan highlights:
Medical benefits:
  • ­Hospitalization Cover – IPD & OPD (in case of emergency)
  • ­Double SI for Accidental Hospitalization
  • ­Coverage for Pre-Existing Ailments
Non - Medical benefits:
  • ­Loss of Passport & Checked in Baggage
  • ­Trip Delay, Cancellation or Interruption
  • ­Up-gradation to Business Class
  • ­Medical Evacuation
  • ­­Personal Liability Cover
Medical benefits:
  • ­Hospitalization Cover – IPD & OPD (in case of emergency)
  • ­Double SI for Accidental Hospitalization
  • ­Coverage for Pre-Existing Ailments
Non - Medical benefits:
  • ­Loss of Passport & Checked in Baggage
  • ­Trip Delay, Cancellation or Interruption
  • ­Up-gradation to Business Class
  • ­Medical Evacuation
  • ­­Personal Liability Cover
Medical benefits:
  • ­Hospitalization Cover – IPD & OPD (in case of emergency)
  • ­Double SI for Accidental Hospitalization
  • ­Coverage for Pre-Existing Ailments
Non - Medical benefits:
  • ­Loss of Passport & Checked in Baggage
  • ­Trip Delay, Cancellation or Interruption
  • ­Up-gradation to Business Class
  • ­Medical Evacuation
  • ­­Personal Liability Cover
Medical benefits:
  • ­Hospitalization Cover – IPD & OPD (in case of emergency)
  • ­Double SI for Accidental Hospitalization
  • ­Coverage for Pre-Existing Ailments
Non - Medical benefits:
  • ­Loss of Passport & Checked in Baggage
  • ­Trip Delay, Cancellation or Interruption
  • ­Up-gradation to Business Class
  • ­Medical Evacuation
  • ­­Personal Liability Cover
Medical benefits:
  • ­­Hospitalization Cover – IPD & OPD (in case of emergency)
  • ­Double SI for Accidental Hospitalization
  • ­Coverage for Pre-Existing Ailments
  • ­­Common Carrier Accidental Death
Non - Medical benefits:
  • ­­Compassionate Visit
  • ­­Loss of Passport & Checked in Baggage
  • ­­Trip Delay, Cancellation or Interruption
  • ­­Up-gradation to Business Class
  • ­­­Medical Evacuation
Medical benefits:
  • ­­Hospitalization Cover – IPD & OPD (in case of emergency)
  • ­Double SI for Accidental Hospitalization
  • ­Coverage for Pre-Existing Ailments
  • ­­Common Carrier Accidental Death
Non - Medical benefits:
  • ­­Compassionate Visit
  • ­­Loss of Passport & Checked in Baggage
  • ­­Trip Delay, Cancellation or Interruption
  • ­­Up-gradation to Business Class
  • ­­­Medical Evacuation
Interested in our plan?
Why should one

buy Travel Insurance

?

A glimpse at the following scenarios will help to understand the need to Travel Insurance! And there can be many more.

Scenario 1

You get a Fantastic off-season deal at Mexican Resort in Riviera Maya. After a Dream flight, the hotel is fascinating & the food is excellent. Then all of a sudden there’s a hurricane alert.

YOU HAVE TO BE EVACUATED PROMPTLY & WITHOUT YOUR LUGGAGE

Scenario 2

You are on a vacation in Israel, merrily floating in the Dead Sea when you suddenly choke on the Brine &

YOU HAVE TO BE EVACUATED TO THE NEAREST HOSPITAL AS A MEDICAL EMERGENCY

There are plenty of things that could go wrong while you are on a Trip despite how meticulously it has been planned. Travel Insurance secures you against the risk of incurring unforeseen medical expenses 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 illnesses or accidents occur while you are travelling overseas or you face other severe emergencies, having travel insurance gives you access to financial comfort, making the whole experience a lot less traumatic.

How

Travel Insurance

is an Investment?

An International Travel Insurance might not immediately trigger a need in our minds and might seem like an unnecessary expense; however this could prove to be your best investment in case of a medical exigency. Consider the following example:

Scenario 1

Naive Planner

  • Mr. Ignorant planned a vacation at Hawaii with a budget of 4 Lakhs

  • INR 1,80,000
  • INR 70,000
  • INR 40,000
  • INR 30,000
  • INR 50,000
  • Kept approx. INR 30,000 for Medical Emergency

WHAT HE COULDN’T PLAN!

Slipped at the beach and hit his knee against a Rock. Landed in Hospital & hospital bill for 3 day stay was INR 5 Lakhs!

Because he had no Travel Insurance, he had to pay out of pocket & his total budget increased to 9 Lakhs

Scenario 2

Smart Planner

  • Mr. Aware planned a vacation at Hawaii with a budget of 4 lakhs

  • INR 1,80,000
  • INR 70,000
  • INR 40,000
  • INR 57,000
  • INR 50,000
  • Travel Health Insurance INR 2,834 for Medical Emergency

WHAT HE COULDN’T PLAN!

Slipped at the beach and hit his knee against a Rock. Landed in Hospital & hospital bill for 3 day stay was INR 5 Lakhs!

Because he had Travel Insurance, Hospital bill covered by Religare Health Insurance Company

Can-have, Must-have

In some cases medical insurance is mandatory for entry 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 for medical reasons, urgent medical attention and/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 abroad is approx. 3 to 10 times costlier than India. Explore – Our International Travel Insurance is Schengen approved.

Business/Frequent travelers

Multi-Trip Policy: For frequent fliers especially business travelers, insurers offer multi-trip policies which help in substantial saving of cost when compared to taking multiple policies – one for each separate trip.

Duration/Per Trip limit: In multi-trip policy, after commencing the trip some insurers will cover only a certain specified number of days. Example 30/45/60 days per trip.

What makes Explore a good buy amongst other international travel insurances?

Pre-existing disease cover: covers the emergency medical treatment with a proportion of Sum Insured (10%) towards any pre-existing medical conditions

Personal Accident: Covers any unfortunate situation arising out of an accident, death or permanent total disability, while you’re traveling abroad.

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

Up-gradation To Business Class: Compensates for up-gradation to business class for return air travel, in case of hospitalization.

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

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

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

Common Carrier Accidental Death: Lump sum payment of Sum Insured in case of accidental death as a passenger on a common carrier/transport.

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

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

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.

Things to watch-out before buying a

Travel Insurance Policy

Destination/Geography: Before travelling one must cross-verify if the insurer they are choosing covers the exact geography they are travelling 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 upto a certain amount. Also check if there is any threshold per-incident or per-claim.

Schengen Approved: If you travel to any country falling within the Schengen region, you must cross-check whether your travel insurance is valid. Same can be checked from the VFS website.

Geography based plans: A lot 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: It is advisable to always check what is not excluded in your travel policy. Most 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: It is wise to make sure you are aware of the timeframe 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.

Customer Care detail might be 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 enquiry since a claim team might not be able to offer assistance on the same. For example – a request for extension might have to be raised at a different touch-point.

Some insurers offer family option if more than 2 members are travelling for a cost advantage.

Some companies offer premiums on per day basis instead of slabs. For instance an insurer might charge for 180 complete (slab) while others could charge for as many days traveled and not necessarily 180 or similar slab.

Buying

Travel Insurance online

is Easy!

With the advent of technology, buying travel insurance is easy and the complete process from quote generation to policy issuance is done within few minutes. Policy issuance is online and instant. This means even if one is at the airport waiting for their flight they can buy a travel insurance before commencing their flight.

Frequently asked questions

Why should I buy travel insurance?

Travel Insurance provides protection to you and your loved ones if unfortunate things happen while travelling. Our travel insurance covers your lost baggage, flight cancellation, hospital expenses and many more.

Who can buy travel insurance?

Anyone! All Indian citizens can be covered by our travel insurance.

What is the minimum period for a trip to be insured?

Our Travel Plans provide coverage for travel trips as short as 1- 4 days

How can I claim?

It is easy! Just File a claim on our website and fill the claim form.

What documents are required to make claim?

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 value of articles required

What if I forgot to carry my travel insurance?

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

Can I cancel a policy?

Yes, you can cancel your policy. You just need to submit a copy of your passport that no travel has been undertaken. It is that easy!

What is medical evacuation?

Medical evacuation provides a transfer for you to the nearby hospital or medical care centre. This insurance covers all costs incurred for any medical emergency transportation and evacuation to transfer you to hospitals within our network.

What is Single and Multi-trip insurance?

Single trip Insurance: It stands valid for a single trip and is valid for 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

What is the duration for insurance cover?

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.

Can I extend my overseas travel insurance?

Yes,Condition : Extension needs to be requested 10 days before the end date of policy. No extension requests will be entertained after policy end date. 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.

Can I buy travel insurance for my parents above 70 years of age?

Yes, we provide the travel insurance for senior citizens with no age limit for single trip. Maximum age limit is 70 years for multi trip.

Do I have to go for medical test to buy travel insurance?

No, there is no medical examination required to buy travel insurance.

Does this insurance cover my trip cancellation?

Pre-departure which reimburses trip cancellation due to natural disaster, traffic accident, illness, etc.

Is loss of passport covered?

Yes, passport loss is covered in our Travel Insurance policy. Moreover, the cost of procurement of a temporary passport is also covered.

Can I get refund if I cut short my travel?

In case you cut short your travel, 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: Rs 300 would be deducted)

Do you provide financial assistance for travel insurance?

Yes, 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

Can I avail cashless facility for hospitalisation under travel insurance?

Yes, we offer cashless facility for hospitalization duration of your travel.

In case medical treatment is required, is there any need for pre-approval before hospitalization?

You will need 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.

Is Travel insurance mandatory for Schengen Visa?

Yes, it is mandatory to buy travel insurance before you apply for Schengen Visa. We have a plan specifically for your travels in Europe. Check it out here

What are the available plans with Religare?

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.

What does 'Deductible' mean?

Deductible means the amount of a claim that has to be borne by the insured.

Call:1800-200-4488|1860-500-4488

For Travel Related Queries Only Call: 1800-3010-8330

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: 18032483.

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