IndusInd Travel Care Policy: Individual, Family, Senior Citizen (61 - 90 years)

Why IndusInd Travel Care Policy?

Whether for a fun-filled holiday with family or a solo adventure across Europe, you deserve peace of mind and complete safety. This Travel Care Policy by IndusInd Travel Insurance Co. Ltd. (earlier known as Reliance General Insurance Co. Ltd.) is designed to offer you comprehensive insurance protection, no matter what your requirement is. It can be issued instantly and does not require a pre-policy check-up. The policy is available for trips as long as 180 days and can be extended up to 365 days.

This IndusInd Travel Care travel insurance plan comes with a 24-hour emergency assistance service and covers you throughout the globe. The policy is available through different variants with coverage ranging between USD 50,000 to USD 500,000, making it both budget-friendly as well as comprehensive.

IndusInd Travel Care Policy Plan Variants

The IndusInd Travel Care Policy (formerly Reliance Travel Care Policy) offers different plan variants tailored to suit the needs of different travellers including individuals, families, and senior citizens. The main plan variants for these travellers are briefly mentioned below:

• IndusInd Standard
• IndusInd Silver
• IndusInd Gold
• IndusInd Platinum
• IndusInd Family Standard
• IndusInd Family Gold

You can understand the key benefits and the coverage limits of these variants in the table below:

Note: For the Family Plan, the Sum Insured for most benefits except Personal Accident is a floating amount for the entire family covered under the policy.

IndusInd Travel Care Policy Eligibility Criteria

This IndusInd Travel Care Policy can be purchased by any Indian resident who is travelling abroad. It is available for those aged between 3 months and 90 years old. However, they should not be travelling for medical treatment or against the advice of their doctors.

IndusInd Travel Care Policy Inclusions

• Emergency Medical Costs: If you suddenly get sick or injured while you're travelling outside India, the policy can help pay for necessary emergency medical treatment. This includes hospital stays and even the cost of bringing you back to India if it's medically needed.
• Emergency Dental Treatment: This policy also covers emergency dental treatment if you have acute pain while on your trip.
• Lost Passport: If you lose your passport while you're on your trip, the policy can reimburse you for the money you spend to get a replacement passport.
• Lost Checked Baggage: If the airline or carrier you're travelling with completely loses your checked-in bags, the policy can provide compensation.
• Delayed Checked Baggage: If your checked-in luggage is delayed for more than 12 hours, this policy can cover cost of essential items like toiletries or clothes.
• Trip Delays: If your trip is delayed for more than twelve hours due to specific reasons (like severe weather, illness, or airline issues), then this policy can reimburse you for extra expenses like meals and lodging.
• Trip Cancellation or Interruption: If your trip has to be cancelled before you leave India or cut short after you've started travelling, the policy will cover non-refundable costs or extra transport expenses. This is only applicable in case of certain unexpected reasons (Eg, a family member getting seriously sick or a sudden job loss)
• Missed Connecting Flights: If you miss a connecting flight because the first flight was delayed or cancelled due to specific reasons, then this policy will cover extra transportation costs, meals, etc.
• Home Burglary Insurance: This benefit covers loss or damage to your home contents due to burglary while you are on your insured trip.

IndusInd Travel Care Policy Exclusions

Here are a few general exclusions under this IndusInd Travel Care Policy:

• If you are taking part in any naval, military, or air force operations, you are not covered.
• Any claims that arise because you intentionally caused harm, committed a crime, or were drunk or using drugs will not be paid.
• The policy will not cover any events that happened before your insurance started or after it ended.
• Claims for pre-existing health problems or any issues related to them are not covered.
• If the main reason for your trip was to get medical treatment abroad, it will not be covered.
• If you travel against the advice of your doctor, any related claims will not be paid.
• The policy does not cover situations where you have a terminal illness that a doctor has already diagnosed.
• The policy excludes claims related to mental health disorders, anxiety, stress, depression, STDs, or illnesses related to HIV/AIDS.
• Any loss or damage caused by nuclear radiation or from nuclear weapons is not covered.
• Claims arising from training or participating in competitions as a professional or semi-professional sportsperson are excluded, unless you declared this beforehand and paid an extra premium.

IndusInd Travel Care Policy Claim Procedure

If you need to raise a claim, you can do so by contacting Policybazaar.com or the insurer at their helpline. To register a claim through Policybazaar.com, you must follow these steps:

Register Claim

You can get in touch with our claims support team in case of any emergency by clicking on the link which will be shared on your WhatsApp. You can also mail us at travelclaims@policybazaar.com or call us on 1800-258-5881.

Prepare Documents

Depending on your claim type, you will have to provide some documents. Here are some documents that you must provide:

• For Medical Claims: Claim forms, Original admission/discharge card, if applicable, Original Bills, Receipts, Prescriptions and Reports, Copy of passport/visa with entry & exit stamp, Personal ID Proof.
• For Baggage Loss: Claim forms, Property Irregularity Report (obtained from the Airline), Copies of correspondence with the airlines confirming the loss, Approximate cost of lost items, Copy of the passport/visa with entry & exit stamp, Personal ID Proof
• For Trip Cancellation: Claim forms, Medical reports of the insured, a companion or an immediate family member, Details of the amount refunded by the common carrier and Hotel, Copy of flight ticket, Copy of passport, Personal ID proof
• For Trip Delay: Claim forms, Original bills of expenses incurred during the period of delay, Copy of ticket & boarding Pass, Copies of Correspondence with the airline authorities certifying the delay, Copy of passport/visa with entry & exit stamp, Personal ID proof
• For Other Claims: Claim Forms, Copy of the passport/visa with entry & exit stamp, Personal ID Proof, Policy Copy, Original bills and receipts and complaint copies, etc.