RELIANCE TRAVEL CARE POLICY (INDIVIDUAL AND FAMILY PLAN) - Policy Wording

Section-1 Preamble Insured Person is handed over and accepted by the Common
Conditions applicable to the Policyholder: Carrier for transportation in the same carrier in which the
Insured Person is or would be travelling and for which the
The Policyholder mentioned so in the Policy Schedule to this Policy
Common Carrier has issued a baggage receipt to the Insured
has:
Person.
• By way of submitting a Proposal applied to the Reliance
9. “Claim” means a claim under an operative part of this policy
General Insurance Company Limited (hereinafter called “ the
in respect of an insured event that has taken place. All claims
Company”) for this insurance policy and has disclosed all the
resulting from one and that same event or any one illness or
relevant information required by the Company for deciding on
circumstance shall jointly constitute one claim under this policy,
the question of acceptance of this Proposal and issuance of
and as having been made at the time when the first claim was
this Policy
made in writing, and the deductible shall be applicable to each
• Paid appropriate premium and has agreed to undertake to section independently.
pay subsequent premiums, if any, by their due dates.
10. "Common Carrier" means any scheduled commercial Airline
Conditions applicable to the Company: or ship or inland vessel operating under a license from the
The Company upon accepting the Proposal and receiving all the relevant authority for the transportation of passengers for
premiums by their due dates and realization thereof, undertakes hire. It shall exclude any carriers, aircrafts or vessels banned
that if during the Policy Period as specified in the Policy Schedule by India, the U.S.A. or the U.K. For an aircraft or vessel to be
any Claim occurs which becomes admissible and payable under this considered as Common Carrier, it should hold a current and
Policy then the Company shall pay for such Claim as per the terms, valid “Airworthiness Certificate” or “Seaworthiness Certificate”
conditions, coverage, exclusions and definitions as mentioned in this respectively.
Policy. 11. "Company" means Reliance General Insurance Company
Private Limited.
Section-2 Definitions
12. “Complaint” means written expression (includes
AThe terms defined below have the meanings as ascribed to them communication in the form of electronic mail or other electronic
below wherever they appear in this Policy and, where appropriate, scripts), of dissatisfaction by a complainant with Insurer,
references to the singular include references to the plural; references distribution channels, intermediaries, insurance intermediaries
to the male include the female and references to any statutory or other regulated entities about an action or lack of action
enactment include subsequent changes to the same and vice versa. about the standard of service or deficiency of service of such
1. "Accident" means a sudden, unforeseen, and involuntary insurer, distribution channels, intermediaries, insurance
event caused by external, visible and violent means. intermediaries or other regulated entities.
2. "Act" means the Insurance Act, 1938 (4 of 1938) 13. “Complainant” means a policyholder or prospect or any
3. "Air Travel" means travel by an Airline for the purpose of flying beneficiary of an insurance policy who has filed a complaint or
therein as a fare paying passenger by the Insured or Travelling grievance against an insurer or a distribution channel.
Companion during the Policy Period for an Insured Trip. 14. “Condition precedent” shall mean a policy term or condition
4. “Airline” means a company in the business of air transportation upon which the Insurer’s liability under the policy is conditional
for fare paying passengers with the applicable licences upon.
and permit in place for the jurisdictions it operates in. Only 15. “Contents” means
Scheduled Airlines in the business of passenger transportation a) In so far as it relates to household (Contents of Property
is considered as Airline for the purposes of this Policy. insured), it shall mean the following equipments not used
Scheduled Airline means the schedule of the flights undertaken for business purposes and owned by the Insured or his
as per preannounced and published schedules. family or for which the Insured and/or his family is legally
5. “Any one illness” means a continuous period of illness responsible for –
and it includes relapse within 45 days from the date of last Household Goods like the electronic equipment, household
consultation with the treating Physician or the Hospital where appliances, furniture, kitchen utensils, fixtures, fittings and
treatment may have been taken. interior decorations; personal effects such as clothes and other
6. "Bank Rate" means Bank Rate fixed by the Reserve Bank of articles of personal nature likely to be worn used or carried but
India (RBI) at the beginning of the financial year in which claims excluding money but including jewellery and Valuables . The
has fallen due. term shall exclude cash and/or currency and/or cheques;
7. "Burglary" means an act involving the unauthorized or forcible b) in so far as it relates to Checked-In Baggage, it shall
entry to or exit from the Insured Person's unoccupied place of mean and include any and all items other than Valuables
residence in India during the Policy Period whilst the Insured contained in the Checked in Baggage.
Person has travelled overseas with intent to commit an act of c) in so far as it relates to the rented vehicle, it shall mean and
Theft. include any and all items belonging to and /or in the lawful
8. "Checked-ln Baggage" means baggage owned by the custody of the Insured, being carried by him while travelling

[Link] 022 4890 3009 (Paid) 74004 22200 (WhatsApp)

IRDAI Registration No. 103. Reliance General Insurance Company Limited. An ISO 9001:2015 Certified Company
For complete details on the benefits, coverage, terms & conditions and exclusions, do read the sales brochure, prospectus and policy wordings
carefully before concluding sale. Registered & Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off.
Western Express Highway, Goregaon (E), Mumbai-400063. Corporate Identity Number: U66603MH2000PLC128300. Trade Logo displayed above
belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.
Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021. RGI/MCOM/CO/RTCP(IAFP)/PW/Ver. 1.0/121124.
 in the rented vehicle. Insured is scheduled to visit) have been used in the Policy.
16. “Country of Residence of the Insured” shall mean the country 24. “Disease” means a sickness or a disease or pathological
that the Insured is normally residing in currently, and declared condition leading to the impairment of normal physiological
it in the residential address of the Insured as stated in the function which manifests itself during the Policy Period
Policy Schedule. For the purposes of this Policy, an Insured and requires immediate medical Treatment by a Medical
shall be only ordinary resident of India to be eligible to buy Practitioner.
this Insurance Policy. It need not be the same as the country of a) Acute Condition - is a disease, illness or injury that is likely
origin of the Insured or the country whose citizen the Insured is. to respond quickly to treatment which aims to return the
17. “Daily Allowance” means the amount and period specified in person to his or her state of health immediately before
the Policy Schedule against the “Daily Allowance In Case Of suffering the disease/illness/injury which leads to full
Hospitalization” cover. recovery.
18. “Damage” means monetary sums payable by the Insured b) Chronic Condition - is defined as a disease, illness, or injury
Persons pursuant to judgements or awards but shall not include that has one or more of the following characteristics:
fines, penalties, punitive damages, exemplary damages, any • it needs ongoing or long-term monitoring through
non-pecuniary relief, or any other amount for which an Insured consultations, examinations, check-ups, and/or tests
is not financially liable, or which is without legal recourse to the
• it needs ongoing or long-term control or relief of
Insured, or any matter that may be deemed to be uninsurable
symptoms
under Indian Law.
• it requires your rehabilitation or for you to be specially
19. “Day Care Centre” A day care centre means any institution
trained to cope with it
established for day care treatment of illness and/or injuries
or a medical set -up within a hospital and which has been • it continues indefinitely
registered with the local authorities, wherever applicable, and • it comes back or is likely to come back
is under the supervision of a registered and qualified medical 25. “Distribution Channels” means persons and entities
practitioner AND must comply with all of the criterions as authorised by the Authority to involve in sale and service of
under:- insurance products. For the purpose of this policy it means the
a) has qualified nursing staff under its employment Distribution Channels who is an Intermediary of the Company.
b) has qualified medical practitioner (s) in charge 26. "Emergency Assistance Service Provider" means any
c) has fully equipped operation theatre of its own where organization or institution appointed by the Company for
surgical procedures are carried out providing services to the Insured Person for an insurable event
under this Policy and as mentioned in the Policy Schedule.
d) maintains daily records of patients and will make these
accessible to the Insurance Company’s authorized 27. “Emergency Care” means management for a severe illness
personnel. or injury which results symptoms which occur suddenly and
unexpectedly, and requires immediate care by a Medical
20. “Day Care Treatment” Day care treatment refers to medical
Practitioner to prevent death or serious long term impairment
treatment, and/or surgical procedure which is:
of the insured person’s health.
a) undertaken under General or Local Anaesthesia in a
28. "Family" means the Insured, his/her lawful spouse below the
hospital or day care centre in less than 24 hrs because of
age of 65 years and Dependent children (including stepchildren
technological advancement, and
and adopted children) below the age of 21 years (23 years,
b) Which would have otherwise required a hospitalization of if the Child is enrolled with an institution of higher learning).
more than 24 hours Dependent Child means:
c) Treatment normally taken on an outpatient basis is not a) The Child is unmarried
included in the scope of this definition.
b) Receives majority of the financial maintenance and support
21. "Deductible" means a cost-sharing requirement under this from the Insured
Policy (As shown in the Policy Schedule against the respective
29. "Felonious Assault" means an act of criminal bodily violence
Benefits) which provides that the Company will shall not be
against the Insured Person or a travelling companion and
liable for a specified monetary rupee amount, or for a specified
recognised so by a law enforcement authority or the Police.
number of days or hours, which will apply before any benefit
The victim of such assault may require immediate medical
are payable by Company for every Claim made under the
attention at a Hospital by a Medical Practitioner.
Policy. A deductible does not reduce the Sum Insured.
30. “Grievance” means written expression (includes
22. "Dental treatment" means a treatment carried related to
communication in the form of electronic mail or other
Healthy Natural Tooth or structures supporting Healthy Natural
electronic scripts), of dissatisfaction by a complainant with
Tooth including examinations, fillings (where appropriate),
insurer, distribution channels, insurance intermediaries or
crowns, extractions and surgery. Such treatment has to be
other regulated entities about an action or lack of action about
carried out by a dental Medical Practitioner registered to
the standard of service or deficiency of service of such insurer,
practice with appropriate dental association or equivalent body
distribution channels, intermediaries, insurance intermediaries
in the given jurisdiction. It excludes any cosmetic treatments.
or other regulated entities.
23. “Destination Country” shall mean the country that Insured is
31. “Healthy Natural Tooth” are natural tooth of the Insured that
visiting and has bought the insurance Policy for. There can be
has not gone through any dental procedures or restoration as
more than one Destination Country in an Insured Trip. However,
at the start of the Policy Period and or natural tooth that did not
for any country to be considered a Destination Country, it
have any Pre-Existing Disease or tooth decay as at the start of
should be mentioned in the Main Travel Ticket(s) booked
the Policy Period.
by the Insured before the date of departure from India, and
mentioned by the insured while buying the Policy. A country for In case the tooth has been subjected to dental procedures
which travel ticket is bought post commencement of Insured then it means the Natural Tooth whose function is completely
Trip cannot be considered as Destination Country. restored before 36 months of the start of the Policy Period with
no further treatments in the latest consequent 36 months as at
In order to distinguish between multiple Destination Countries,
the start of the Policy Period may also be considered as Healthy
the terms current Destination Country (where Insured is
Natural Tooth.
currently visiting) and next Destination Country (where the

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 32. "Hijack" means any unlawful seizure or exercise of control, time the Insured has undertaken the Insured Trip.
by force or violence or threat of force or violence and with 38. “Inclement Weather” means a severe weather condition
wrongful intent, of the common carrier in which the Insured which results in a delay or cancellation of the scheduled arrival
Person is travelling. or departure of a Common Carrier in which the Insured is
33. “Hospital” means any institution legally established and scheduled undertake the Trip covered under this Policy.
operated for In-patient care and day care treatment of illness 39. “India” shall mean India or ‘Union of India’ as defined by the
and/or injuries of persons, for which a charge is made that Constitution of India, including the territories of the constituent
the Insured Person(s) is legally obligated to pay in the absence states and The Union territories.
of insurance; and which has been registered, accredited or
40. “Injury” means accidental physical bodily harm excluding
licensed as a Hospital with the local authorities in the state
illness or disease solely and directly caused by external, violent
or country in which it operates; and which complies with all
and visible and evident means which is verified and certified by
minimum criteria as under:
a Medical Practitioner/Physician.
• Provides such care and treatment(s) in medical, diagnostic,
41. "In-patient care" means treatment for which the Insured
or surgical facilities on its premises, or those prearranged
Person has to stay in a Hospital for more than 24 hours for a
for its use
covered event.
• has at least 10 in-patient beds, in those towns having a
42. "Insurable Event" means an event, loss or damage for which
population of less than 10,00,000 and 15 inpatient beds in
the Insured Person is entitled to benefit/s as per the terms,
all other places,
conditions and clauses under this Policy.
• has qualified nursing staff under its employment round the
43. "Insured Person” or ”Insured" means the person specifically
clock,
named as such in the Policy Schedule, who is a resident of India
• has qualified Medical Practitioner(s) in charge round the and for whom the insurance is proposed and the appropriate
clock, premium paid.
• has a fully equipped operation theatre of its own where 44. "Insured Trip” means the Trip for which this insurance Policy
surgical procedures are carried out, has been bought, undertaken within Policy Period and which
• maintains daily records of patients and makes these commences when the passenger boards the aircraft from
accessible to the insurance company's authorized India for onward overseas journey and terminates when he
personnel. disembarks on return to India or the Policy Period End Date
Hospital does not mean: whichever is earlier.
• A Convalescent, nursing, or rest home or facility, or a home 45. “Insurer” means a person or company that underwrites an
for the aged; rejuvenation or health resort insurance risk; the party in an insurance contract undertaking
to pay compensation to the holder of the insurance policy in
• A place mainly providing Custodial, Educational, or
the event of an underwritten loss.
Rehabilitative Care; or
46. “Intensive Care Unit” means an identified section, ward or
• A facility mainly used for the treatment(s) of drug addicts or
wing of a Hospital which is under the constant supervision
alcoholics.
of a dedicated Medical Practitioner(s), and which is specially
34. "Hospitalisation" means admission in a hospital for a equipped for the continuous monitoring and treatment of
minimum period of 24 Inpatient care consecutive hours except patients who are in a critical condition, or require life support
for day care treatment, where such admission could be for a facilities and where the level of care and supervision is
period of less than 24 consecutive hours. considerably more sophisticated and intensive than in the
35. “ICU Charges” means the amount by a Hospital towards ICU ordinary and other wards.
expenses which shall include the expenses for ICU bed, general 47. “Kutcha Construction” means buildings having walls and/
medical support services provided to any ICU patient including or roofs of wooden planks, thatched leaves, grass, bamboo,
monitoring devices, critical care nursing and administrative plastic, cloth, asphalt, canvas, tarpaulin or the like.
charges.
48. “Life Threatening Medical Condition” refers to a medical
36. "Illness" means a sickness or a disease or pathological condition suffered by the Insured which has the following
condition leading to the impairment of normal physiological characteristics (all the following characteristics shall be
function and requires medical treatment. simultaneously met for being classified as a Life Threatening
a) Acute condition - Acute condition is a disease, illness or Medical Conditions):
injury that is likely to respond quickly to treatment which • Markedly unstable vital parameters (blood pressure, pulse,
aims to return the person to his or her state of health temperature and respiratory rate)
immediately before suffering the disease/ illness/ injury
• Acute impairment of one or more vital organ systems
which leads to full recovery
(involving brain, heart, lungs, Liver, Kidneys and pancreas)
b) Chronic condition - A chronic condition is defined as a
• Critical care being provided, which involves high complexity
disease, illness, or injury that has one or more of the
decision making to assess, manipulate and support
following characteristics:
vital system function(s) to treat single or multiple vital
• it needs ongoing or long-term monitoring through organ failure(s) and requires interpretation of multiple
consultations, examinations, check-ups, and/or tests physiological parameters and application of advanced
• it needs ongoing or long-term control or relief of technology
symptoms • Critical care being provided in critical care area such as
• it requires rehabilitation for the patient or for the patient coronary care unit, intensive care unit, respiratory care unit,
to be specially trained to cope with it or the emergency department and
• it continues indefinitely • Is certified by the attending Medical Practitioner as a Life
• it recurs or is likely to recur Threatening Medical Condition.

37. “Immediate Family Members” means the legal Spouse, 49. “Loss” means any loss suffered by the Insured or Damages
Children, Parents or Parent in Law, Siblings of the Insured payable by the Insured and is covered as per the term,
Person. The Immediate Family members reside in India at the conditions and clauses of this Policy.

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 50. "Main Travel Ticket" means document, issued by a Scheduled Single Hospitalisation.
Airline or a travel agency on behalf of a Scheduled Airline, 60. "Physician" means a person who is qualified to practice
which confirms that the Insured has been booked for and paid medicine or is a Surgeon or an Anaesthetist and has a valid
for to travel with Scheduled Airline for journey under the Insured license issued by the appropriate authority in the current
Trip. For the purpose of this Policy, a ticket will be considered as Destination Country. The Physician, for the purposes of this
Main Travel Ticket, only if such ticket was booked and paid for Policy, is referred to as the Medical Practitioner.
before the start of the Insured Trip.
A Physician shall not include a practitioner of Complementary
51. “Market Value”, in the context of the Sum Insured of a property and Alternative Medicine (CAM). CAM includes, but is not
owned by the Insured Person, means the sum as on the Date limited to the below areas of medicine:
of Loss required to purchase new items of the same kind and
• Traditional alternative medicine: like Acupuncture,
quality less an amount representing wear and tear, usage and
Ayurveda, Homeopathy, Naturopathy, Chinese or Oriental
depreciation at the time of loss.
medicine, Herbal medicine
52. "Medical Advice" means any consultation or advice from a
• Manual manipulation: like Chiropractic and osteopathic
Medical Practitioner including the issuance of any prescription
medicine, Massage, Body movement therapies, Tai chi,
or follow-up prescription
Yoga
53. Medical Emergency: Occurrence of a Sickness, Illness or Injury,
• Energy therapies: like Electromagnetic therapy, Magnetic
the onset of which is sudden, that manifests itself by symptoms
Field Therapy, Reiki, Qigong, Therapeutic (“Healing”) Touch
of sufficient severity, including severe pain, that an individual
could reasonably expect the absence of immediate medical • Mind and Sensory healing: like Meditation, Biofeedback,
attention to result in any or all of the below: Hypnosis, Art, dance and music, Visualization and guided
imagery
a. placing the health of the person afflicted with such condition
in serious jeopardy; The Physician shall not be a member of the Insured Person's
family.
b. serious impairment to such person's bodily functions;
61. "Policy" is the Company’s contract of insurance with the
c. serious dysfunction of any bodily organ or part of such
Policyholder providing cover as detailed in this Policy Wordings,
person; or
the Proposal Form, Endorsements, if any and Annexure, and
d. serious disfigurement of such person. which form part of the contract and must be read together.
Additionally, a Medical Emergency will include visits where the 62. “Policy Period” is the time interval between and including A
only option for Medically Necessary Treatment is an emergency and B as specified below:
room.
A. Earliest of (Policy Period ends with the earliest of the below
54. "Medical Expenses" means those expenses that an Insured dates):
Person has necessarily and actually incurred for medical
• Policy Period End Date
treatment on account of illness or Accident or Injury on the
advice of a Medical Practitioner, as long as these are no more • Policy Cancellation Date (if the Policy is Cancelled after
than would have been payable if the Insured Person had not the start of the Insured Trip)
been insured and no more than other Hospitals or Medical • Date and time of Return to India
Practitioner in the same locality would have charged for the B. Latest of (Policy Period commences at the latest of the
same medical treatment. below dates):
55. “Medically Necessary Treatment” is any treatment, tests, • Policy Period Start Date
medication or stay in a Hospital or part of stay in a Hospital,
which: • Date and time of departing from India
• Is required for the medical management of the Illness or The Policy is in force only during this period. Any Claim to
Injury suffered by the Insured; be considered for paying under the Policy (subject to further
conditions, terms and clauses mentioned in the Policy) shall
• Must not exceed the level of care necessary to provide have the Loss occurred during this period only, except in case
safe, adequate and appropriate medical care in scope, of Section 3.7 Benefit 7 – Trip Cancellation, the Claim can be
duration, or intensity; triggered before the Policy Period Start Date.
• Must have been prescribed by a Medical Practitioner; 63. “Policy Period End Date” means the date and time in Indian
• Must conform to the professional standards widely Standard Time (IST) as specifically appearing in the Policy
accepted in international medical practice or by the medical Schedule.
community in India. 64. “Policy Period Start Date” means the date and time in Indian
56. A “Natural Disaster” or “Natural Catastrophe” means flood, Standard Time (IST) as specifically appearing in the Policy
earthquake, tsunami, volcano eruption, storm, lightning, Schedule.
hurricane or epidemic due to communicable disease, bush 65. “Policyholder” means the person who is the proposer and
fire/ forest fire which causes widespread disruption of normal whose name specifically appears in the Policy Schedule as
civilian life. such.
57. "Necessary Personal effects" means clothes and other 66. "Policy Schedule" means the document attached and
articles of personal nature likely to be worn, used or carried but forming part of this Policy mentioning the details of the Insured
excluding money, jewellery, Valuables, mobile phones and any Person/s, the Sum Insured, the Policy Period and the limits to
other electronic gadgets. which benefits under the Policy are subject to.
58. “OPD Treatment” is means a consultation with the Medical 67. "Pre-Existing Disease" means any Medical Condition, Illness
Practitioner in a Hospital or a Nursing Clinic by the Insured or Injury or related condition(s) for which the Insured Person
Person for a Sickness or Injury or Illness that has manifested had signs or symptoms and/or were diagnosed and/or
for the first time during the Policy Period whilst being overseas. received medical advice/ treatment, within 36 months prior to
The Insured Person is not admitted for a Day Care Treatment or the first policy under which the Insured Person was covered
In-Patient Care. with the Company.
59. “Per illness” means any Illness or subsequent consequences 68. “Professional and Competitive Sports” means a sport, which
due to such Illness diagnosed whilst on Trip which leads to remunerates the Insured in excess of 50% of the taxable

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 income in the latest or the continually previous assessment considered terrorist activity. Terrorism shall also include any act,
year in which the Insured Trip falls into. The remuneration can which is verified or recognized by the relevant Government as
be in the form of fees, salary, emolument, perks, endorsements an act of terrorism.
or sponsorship. 81. “Theft” means whoever intending to take dishonestly any
69. “Property Damage” means actual physical damage, caused moveable property out of the possession of the Insured without
by the Insured whilst being overseas as per the Insured Trip, to Insured’s consent , moves that property in order to such taking
tangible material property belonging to a third party. with the intention to permanently deprive the Insured of that
70. “Proposal form” means a form to be filled in by the prospect property is said to commit theft.
in written or electronic or any other format as approved by the 82. “Third Party Administrators or TPA’’ means any person who is
Authority, for furnishing all material information as required by registered under the IRDAI (Third Party Administrators – Health
the insurer in respect of a risk, in order to enable the insurer Services) Regulations,2016 notified by the Authority, and is
to take informed decision in the context of underwriting the engaged, for a fee or remuneration by an insurance company,
risk, and in the event of acceptance of the risk, to determine for the purposes of providing health services as defined in
the rates, advantages, terms and conditions of the cover to be those Regulations.
granted. 83. "Travel Agent" means the Travel Agent, tour operator, or other
71. "Prospect” means any person who is a potential customer of entity from which the Insured purchases his/her Insurance
an insurer and likely to enter into an insurance contract either Policy or travel arrangements, and includes all officers,
directly with the Insurer (The Company) or through a Distribution employees, and affiliates of the Travel Agent, tour operator or
Channel. other entity.
72. “Prospectus” means a document either in physical or electronic 84. "Travelling Companion" means an individual or individuals
or any other format issued by the Insurer to sell or promote the travelling with the Insured Person, provided that, the Insured
insurance products. and such individual(s) are travelling to the same destination on
73. "Reasonable Additional Expenses" means any expenses for the same dates in the same Common Carrier as the Insured
meals and lodging necessarily incurred by the Insured Person and such individual(s) is/are also insured under this Policy. For
as the result of a hazard covered under this Policy, but does not the purpose of this definition, any individual(s) forming part of
include meals and lodging provided by the Common Carrier or a group travelling on a tour arranged by a Travel Agent or a
by any other party free of charge. tour operator shall not be considered as Travelling Companion,
unless the individual(s) is part of the family of the Insured
74. "Reasonable & Customary charges" means the charges for
Person.
Medical and or Hospital services or supplies, which are the
standard charges for the specific Hospital or the provider and 85. “Trip” means a period of travel away from home to a
consistent with the prevailing charges in the geographical area Destination outside the Insured’s City of residence; the purpose
of identical or similar services, taking into account the nature of of the trip is business or pleasure and is not to obtain health
the Illness and or Injury involved. care or treatment of any kind; the trip has defined Departure
and Return Dates specified when the Insured applies to buy
75. “Residence” means the place in India where the Insured
insurance; the trip does not exceed 364 days; travel is primarily
is living in normal course and shall be the place as per the
by Common Carrier provable by Main Travel Ticket(s) and only
Insured’s Address which is specified in Policy Schedule.
incidentally by private conveyance.
76. "Single Trip" means only one Insured Trip to a destination
86. "Trip Duration" means the number of days as calculated
outside of the Republic of India during the Policy Period, the
under the Policy Period.
details of which are specified in the Policy Schedule.
87. "Unoccupied” Residence or property means the Residence or
77. "Strike" means stoppage of work affecting the Common
property mentioned in the Policy Schedule which is unoccupied
Carrier in which the Insured is supposed to undertake the
or uninhabited by the Insured or the Immediate Family
Insured Trip. The following are preconditions:
Members of the Insured, or any other person, and is devoid of
a) announced, organized and sanctioned by a labour union human presence.
and
88. “Unproven/Experimental treatment” means the treatment
b) which interferes with the normal departure and arrival of including but not limited to the drug experimental therapy
the Common Carrier (in which the Insured is supposed to which is not based on established medical practice in India, is
travel) inclusive of work slowdowns, lockouts and sitouts. treatment experimental or unproven.
78. "Sum Insured" means the maximum amount of coverage 89. "Valuables" mean photographic, audio, video, computer
denominated in USD or INR and as specified in the Policy and any other electronic equipment, telecommunications
Schedule, that the Insured Person is entitled to in respect of and electrical equipment, telescopes, binoculars, antiques,
each benefit and as applicable under this Policy. watches, jewellery, money in the form of cash, precious
79. “Surgery or Surgical Procedure” means manual and / or stones and metals, furs and articles made of precious stones
operative procedure(s) required for treatment of an illness or and metals, models, coins or curios, sculptures, manuscripts,
injury, correction of deformities and defects, diagnosis and stamps, collections of stamps, rare books, medals, moulds,
cure of diseases, relief from suffering and prolongation of designs or any other collectibles; deeds, ATM Cards, credit
life, performed in a hospital or day care centre by a medical cards, charge cards, bonds, bills of exchange, bank treasury
practitioner. or promissory notes, cheques, money, securities or any other
80. "Terrorism/Terrorist Incident" means any actual or threatened negotiable instrument.
use of force or violence directed at or causing damage, injury, Section-3 Scope Of Coverage
harm or disruption, or the commission of an act dangerous
The Company hereby agrees subject to the terms, conditions and
to human life or property, against any individual, property or
exclusions herein contained or otherwise expressed, to compensate,
government, with the stated or unstated objective of pursuing
indemnify, pay and / or reimburse in manner provided in this
economic, ethnic, nationalistic, political, racial or religious
Policy, benefits to the Insured Person for loss or damage described
interests, whether such interests are declared or not.
hereunder up to the limit of Sum Insured as specified in the Policy
Robberies or other criminal acts, primarily committed for Schedule.
personal gain and acts arising primarily from prior personal
This Section describes the Covers, Terms and Conditions, Exclusions
relationships between perpetrator(s) and victim(s) shall not be
applicable to the Benefits that are generically available under this

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 product. However, the specific details of the Benefit available under 1 - Medical Expenses Including Transportation, Evacuation
the specific Policy of a given Insured is as per the Plan opted by the And Repatriation Of Mortal Remains up to a maximum of USD
Policyholder during the Proposal stage. 10,000.
The Plan is a predefined set of Cover and Limits as mentioned in the ii. Transportation and evacuation
Policy Schedule. • the extra costs of Medically Necessary Treatment and
Section 3A: Medical and Accident Covers prescribed transportation from the current Destination
Country to India or the nearest Hospital in the event that it is
3.1. Benefit 1- Medical Expenses Including Transportation,
not possible to guarantee adequate Medically Necessary
Evacuation And Repatriation Of Mortal Remains
Treatment within a reasonable distance of the Insured
The Company shall indemnify the Insured Person for expenses Person's current location and consequently his health
incurred for availing Medically Necessary Treatment required on would be in jeopardy;
account of any Illness / Injury sustained or contracted whilst on
• the additional extra costs for an accompanying person
the Insured Trip but not exceeding the Sum Insured as specified in
if it is Medically Necessary that the Insured Person be
the Policy Schedule. The deductible in respect of this benefit will be
accompanied in this way; this might be a physician, nurse,
applicable for each separate Claim, and shall be of an amount as
relative, friend or colleague;
specified in the Policy Schedule.
• If the Insured Person is required to be transported from a
i. What it covers – Medical Expenses including Transportation
medical point of view, it shall be the decision of Emergency
and Evacuation
Assistance Service Provider whether the Insured Person is
In the event, the Insured Person has a Medical Emergency to be repatriated to India or not.
during the Policy Period and if such Medical Emergency shall,
• Air ambulance, other than emergency Air ambulance
upon the written Medical Advice of a Medical Practitioner/
availed for transport within the country, can be availed post
Physician, require any such Insured Person, to incur
approval of the claims team of the Company, where the
Hospitalisation within the Policy Period at any Hospital, for the
claims team deems it necessary for the Insured Person to
Medically Necessary Treatment of the Insured Person, then the
avail Air ambulance.
Company will indemnify the Insured Person, for the amount
of such Medical Expenses, which should be Reasonable And • in the event of death, the Extra Costs Of Transporting the
Customary Charges, and are incurred by or on behalf of such mortal remains of the deceased Insured Person back home
Insured Person for in manner, for the period and to the extent or the extra costs required for burial at the place of death
of the Sum Insured as specified in this Policy. abroad up to the limit as specified in the Policy Schedule;
The deductible in respect of this benefit will be applicable for Note: The “Extra Costs of Transportation" above are:
each separate claim, and shall be of an amount as specified in • in the event of transportation home, the additional costs
the Policy Schedule. arising for the return journey home as a consequence of
The company’s total liability in aggregate for all Claims paid the insured event;
under the policy shall not exceed the Sum Insured. For a given • in the event of death, the costs which exceed those that
Medically Necessary Treatment that is admissible as a Claim would normally arise if the Insured Person had died in
under the Policy, the following are covered: India.
a. Out-patient treatment, provided, the same is critical and iii. What it covers – Repatriation of Remains
cannot be deferred till the Insured Person's return to the
In the event of the death of the Insured Person due to Illness
Republic of India.
or Injury during the Policy Period and whilst being overseas,
b. In-patient treatment in a local Hospital at the place the the Company shall pay or reimburse the Extra Costs Of
Insured Person is staying at the time of occurrence of an Transporting the mortal remains of such persons back to the
insurable event or at the nearest Hospital. Republic of India or, up to an equivalent amount, for a local
c. Medical aid that is prescribed by a Physician as necessary burial or cremation in the Destination Country where the death
part of the treatment for broken limbs or injuries (e.g. occurred, subject to the maximum limit as specified in the
plaster casts, bandages and walking aids). Policy Schedule.
d. Radiotherapy, heat therapy or photo therapy and other The deductible in respect of this benefit will be applicable for
such treatment prescribed by a Physician. each separate claim, and shall be of an amount as specified in
e. X-Ray, diagnostic tests and all reasonable costs towards the Policy Schedule.
diagnostic methods and treatment of all illness / injury iv. Specific Exclusion applicable to Medical Expenses Including
provided these pertain to the diagnosed illness / injury due Transportation, Evacuation and Repatriation of Mortal
to which hospitalisation was deemed necessary. Remain Cover:
f. Cost of transportation, including necessary medical care The Company shall not be liable to make any payment under
en-route, by recognized medical service providers for this benefit in connection with or in respect of any expenses
medical attention at the nearest Hospital or by the nearest whatsoever incurred by the Insured Person for:
Physician.
a. Travelling for Medical Treatment only: Medical treatment
g. Cost of being transferred to a special clinic if this is Medically abroad if that is the sole reason or one of the reasons for
Necessary Treatment and is prescribed by the Physician. temporary stay abroad.
h. Life saving unforeseen emergency measures provided b. Pre-existing Diseases: Any claim arising that is related to
to the Insured Person by the Physician for hospitalization Pre Existing Disease except as described as under section
arising out of a Pre-Existing Disease in case of Life 3.1 i.h. above.
Threatening Medical Conditions. The treatment for these
c. Treatment that could be delayed: Treatment which could
emergency measures would be paid till the Insured Person
reasonably be delayed until the Insured/Insured Person's
becomes medically stable. All further medical cost to
return to the Republic of India. The question of what can or
maintain medically stable condition or to prevent the onset
what cannot be reasonably delayed will be decided jointly
of acute pain would have borne by the Insured Person.
by the treating Physician and the Emergency Assistance
The total liability of the Company with respect to such life saving Service Provider.
treatment shall be limited to 1% of the Sum Insured for Benefit
d. Degenerative, Orthopaedic and Cancer related: Treatment

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 of orthopaedic, degenerative, diseases and any cancer, The Company shall not be liable to make any payment under
malignant / benign tumours and such related conditions this benefit in connection with or in respect of any expenses
to Neoplasm, unless the medical assistance provided whatsoever incurred by the Insured Person for:
abroad involves unforeseen emergency measures to save a. Travelling for Medical Treatment only: Medical treatment
the Insured Person's life or measures solely designed to abroad if that is the sole reason or one of the reasons for
relieve acute pain in any case excluding chemotherapy or temporary stay abroad.
radiotherapy expenses.
b. Pre-existing Diseases: Any claim arising that is related to
e. Charges in excess of the Reasonable and Customary Pre Existing Disease except as described as under section
Charges: Charges in excess of Reasonable and Customary 3.1 i.h. above.
Charges incurred on account of an insurable event as per
c. Treatment that could be delayed: Treatment which could
the determination by the Emergency Assistance Service
reasonably be delayed until the Insured/Insured Person's
Provider.
return to the Republic of India. The question of what can or
f. Dental Treatment and procedures of the teeth: Treatment what cannot be reasonably delayed will be decided jointly
or procedures related to teeth or structures supporting the by the treating Physician and the Emergency Assistance
teeth, including examinations, fillings (where appropriate), Service Provider.
crowns, extractions and surgery.
d. Charges in excess of the Reasonable and Customary
g. Cosmetic Treatment: Treatment relating to the removal of Charges: Charges in excess of Reasonable and Customary
physical flaws or anomalies (cosmetic treatment or 'plastic' Charges incurred on account of an insurable event as per
surgery in any form or manner). the determination by the Emergency Assistance Service
h. Maternity, Child Birth and related conditions: Conditions Provider.
related pregnancy, miscarriage, child birth or any e. Cosmetic Treatment: Treatment relating to the removal of
complications thereof, any treatment for infertility birth physical flaws or anomalies (cosmetic treatment including
control including any surgical procedures and devices. but not limited to tooth cleaning, whitening, polishing of
This does not be applicable for ectopic pregnancy that is tooth, dental braces in any form or manner).
diagnosed as Life Threatening Medical Condition by the f. Preventive Treatment: Any Preventive treatments like
Medical Practitioner. Or to save the life of Insured Person’s regular dental examinations, routine checkups, cleaning
in case she is pregnant or the life of the Child in case of costs etc are not covered.
an unforeseen Medical Emergency before 30 weeks of
g. Any treatment to Dental Prosthetics: Costs related to Dental
pregnancy.
Prosthetics including but not limited dentures, bridges,
i. Mental and Psychiatric treatments: Expenses related to crowns and dental implants are not covered.
mental or psychiatric disorders and Emotional disorders.
h. Any treatment taken without a prescription from a licensed
j. Pregnancy related check-ups: Medical check-ups during Dentist: Any treatment taken without a prescription and
pregnancy or treatment of the pregnancy. supervision of a licensed Dentist as per the applicable body
k. Rehabilitation and Physiotherapy: Expenses related to in the given travel destination.
physical rehabilitation and physiotherapy. i. Regular consumables and toiletries: Any cost incurred by
l. De-addiction Treatments and Drug Rehabilitation: Any the Insured for regular consumables and toiletries like
Treatment related to addiction or dependency of the toothpaste (even if medicated) regarding maintaining of
Insured Person to tobacco, cigarette and other tobacco dental health is not covered.
usage habits, alcohol, psychoactive substance including j. General Exclusions: Any exclusion mentioned in the
but not related to various drug and prescriptive drugs. 'General Exclusions' section of this Policy.
m. Prosthetics: Any Expense related to Prosthetics and artificial
iii. Special Conditions applicable to Dental Treatment
limbs.
The Company shall be liable to pay no more than USD 100 per
n. Immunization and Well Child Care: Expenses related to
Healthy Natural Tooth under this benefit.
Well Child care and Immunization
The total liability of the Company with respect to this benefit is
o. Routine Heath Tests: Routine health tests that is undertaken
limited to the Sum Insured mentioned in the Policy Schedule
without a Medical Practitioner prescription as a part of
against the benefit.
treatment of some Illness / Injury as covered under the
Policy. 3.3. Benefit 3 - Daily Allowance In Case Of Hospitalization
p. Eyeglasses, Hearing Aids etc: eyeglasses, contact lenses, i. What it covers
hearing aids, and examination for the prescription or fitting In the event of Hospitalisation of the Insured Person based on
thereof, unless Injury or Sickness has caused impairment of a Medical Advice from a Medical Practitioner for more than two
vision or hearing. consecutive Days (as defined below) due to a Illness or Injury
q. General Exclusions: Any exclusion mentioned in the sustained or contracted within the Policy Period whilst being on
'General Exclusions' section of this Policy. the Insured Trip for which a Claim is admissible under Benefit
3.2. Benefit 2 - Dental Treatment - Sickness 1 - Medical Expenses Including Transportation, Evacuation And
Repatriation Of Mortal Remains or Benefit 2 - Dental Treatment
i. What it covers
- Sickness of this Policy, the Company will pay to the Insured
The Company shall pay or reimburse to the Insured Person Person a Daily Allowance starting from the third Day of the
expenses incurred on acute anaesthetic treatment of a Healthy Hospitalisation until the limits mentioned in the Policy Schedule
Natural Tooth or Teeth during Policy Period and whilst being (and excluding the first two Day).
overseas up to but not exceeding the Sum Insured as specified
Note:
in the Policy Schedule.
• ‘Day’ in the above means, a period of 24 continuous hours.
The Deductible in respect of this benefit will be applicable for
each separate claim, and shall be of an amount as specified in ii. Specific Exclusions applicable to the Daily Allowance in Case
the Policy Schedule. The Sum Insured has a per tooth limit and of Hospitalisation:
per occurrence limit. The Specific Exclusion under this Benefit is same as the Specific
Exclusions mentioned under Benefit 1- Medical Expenses
ii. Specific Exclusion applicable to Dental Treatment:

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 Including Transportation, Evacuation And Repatriation Of or above knee joint
Mortal Remains and Benefit 2 - Dental Treatment - Sickness • Hand means hand at or above the wrist, foot means foot at
above. or above ankle joints;
3.4. Benefit 4 - Personal Accident • Eye means entire and irrecoverable loss of sight;
i. What it covers • Thumb and index finger means actual severance through
The Company shall compensate the Insured Person or their or above the joint that meets the hand at the palm;
legal heir as the case may be, for any injury solely and directly • Speech or hearing means entire and irrecoverable loss of
caused by accident occurring during the Policy Period whilst speech or hearing of both ears.
on the Insured Trip, resulting in permanent (total or partial) • Total Loss of Use means complete loss of function of the
disablement or death within 365 continuous days of occurrence said organ with no scope of recovery.
of such injury.
It is a pre-condition for claim under this benefit that:
The Sum Insured as specified in the Policy Schedule shall be
the limit per person per Policy period payable only on the • The disablement occurs within 365 continuous days from
Insured Person's return to India and in Indian currency. The the date of the accident.
Sum Insured shall be the maximum liability of the Company • The disablement must be confirmed and claimed for
under this benefit. Subject to the above, the Company shall pay prior to the expiry of a period of 90 continuous days since
to the Insured Person the sum or sums as set forth in the Table occurrence of the disablement
of Benefits given alongside: Not with standing anything contained in this Policy, the Company
Table of Benefit % of shall not be liable for compensation under more than one of
Sum the clauses (1) to (3) in the Table of Benefits hereinabove, for the
Insured same cause of accident/disablement of the Insured Person.

(1) Death Insured aged 18 years or above 100% ii. Specific Exclusions applicable to Personal Accident

Insured Aged less than 18 years 50% The Company shall not be liable to make any payment under
this benefit in respect of the following:
(2) Permanent Physical Separation/ Total Loss of
a. Accidents due to mental disorders or disturbances of
Total Use of:
consciousness, strokes, fits or convulsions which affect the
Disablement Sight of both eyes 100% entire body and pathological disturbances caused by the
(PTD)
Two entire hands 100% mental reaction to the same.
Two entire feet 100% b. Damage to health caused by curative measures, radiation,
One entire hand and one entire foot 100% infection, poisoning except where these arise from an
accident.
Loss of sight of one eye and loss of 100%
one entire hand c. Any payment under this benefit whereby the Company's
liability would exceed the sum payable in the event of
Loss of sight of one eye and loss of 100% death.
one entire foot
d. Any claim which arises out of an accident connected
speech and hearing in both ears 100% with the operation of an aircraft or which occurs during
Other Permanent total and absolute 100% parachuting except when the Insured Person is flying as a
disablement incapacitating the passenger on a multi engine, commercial aircraft.
Insured Person from engaging in e. Payment of compensation in respect of death, injury or
any employment or occupation of disablement of the Insured Person whilst engaging in
any description whatsoever*. aviation or ballooning whilst mounting into, dismounting
(3) Permanent Physical Separation/ Total Loss of from or travelling in any aircraft or balloon other than as a
Partial Use of: passenger (fare paying or otherwise) in any duly licensed
Disablement One entire hand 50% standard type of aircraft anywhere in the world
(PPD) f. Payment of compensation in respect of death, injury or
One entire foot 50%
disablement arising or resulting from Insured Person
The sight of one eye 50% participating in equestrian activity
Speech 50% g. Death or disablement resulting, directly or indirectly, caused
Hearing in both ears 50% by, contributed to or aggravated or prolonged by childbirth
Thumb and index finger of Same 25% or pregnancy or in consequence thereof, venereal disease
hand or infirmity.
Total Paralysis of an arm or a leg 25% h. Any exclusion mentioned in the 'General Exclusions' section
(each) of this Policy.
Any other permanent partial iii. Special Conditions applicable to Personal Accident
disablement - Percentage as a. In the event of partial loss or impairment of the function
assessed by a panel doctor of one of the above parts of the body or senses, the
appointed by the Company appropriate proportion of the percentage stated in the
Table of Benefits will be considered for payment.
* Permanent Total Disablement under injury not specified
in the above table will be payable only where the Insured is b. If the accident impairs a number of physical or mental
incapacitated from any possible occupation, and not limited to functions, the degree of disablement given in the Table of
his/her occupation at the time of loss. The onus of proving such Benefits will be added together, but the amount payable
incapacitation shall lie with the Insured. shall not exceed 100% of the Sum Insured specified in the
Policy Schedule.
For the purpose of this benefit:
c. If the accident affects parts of the body or senses whose loss
• Arm means arm at or above elbow joint, leg means leg at or inability to function is not dealt with above, the governing

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 factor in determining the benefit amount in such a case his/her death benefit under this cover. In case of Family Policy,
will be the degree to which the normal physical or mental such Insured person shall be deleted from the Policy, and the
capabilities are impaired, solely from a medical point of Policy shall continue for remaining Insured Persons.
view, as ascertained by Panel Doctor of the Emergency
3.6. Benefit 6 - Reinstatement of Sum Insured
Assistance Service Provider.
i. What it covers
d. If the accident affects any physical or mental function,
which was already impaired beforehand, a deduction will In case a claim is made and accepted by the Company under
be made equal in amount for this prior disablement. Benefit 1 for Injury caused due to Accident, the Company shall
automatically provide an additional Sum Insured equal to the
e. If the Insured Person dies for a reason unconnected with the
original Sum Insured under Benefit 1 for In-patient care.
accident within a year of the accident for whatever reason,
and if a claim for disablement payment had arisen, then ii. Specific Exclusions applicable to Reinstatement of Sum
the payment will be made in accordance with the degree Insured
of disablement which would have been expected to exist All exclusions as under Benefit 1- Medical Expenses Including
as a result of the original accident, from the findings of the Transportation, Evacuation And Repatriation Of Mortal Remains.
last medical examination made. iii. Special Conditions applicable to Reinstatement of Sum
f. In the event of permanent disablement, the Insured Person Insured
will be under obligation: a. The additional Sum Insured provided shall be utilized
• To have himself/herself examined by the Panel Doctors only for in-patient claims under Benefit 1 of the Policy. For
appointed by the Company / Emergency Assistance additional Sum Insured to be made available under this
Service Provider and the Company will pay the costs benefit, it is a pre-condition that a claim must have been
involved thereof. accepted by the Company under Benefit 1 for Injury caused
• To authorize doctors providing treatment or giving due to Accident.
expert opinion and any other authority to supply the b. The additional Sum Insured shall be utilized only after the
Company any information that may be required on the original Sum Insured has been completely exhausted.
condition of the Insured Person. c. The total amount payable under Benefit 1 - Medical Expenses
g. The Policy shall terminate for the Insured Person on Including Transportation, Evacuation And Repatriation
payment of his/her death benefit under this cover. In case Of Mortal Remains and Benefit 6 - Reinstatement of Sum
of Family Policy, such Insured person shall be deleted from Insured under the Policy shall not exceed the sum of the
the Policy, and the Policy shall continue for remaining Sum Insured and the additional Sum Insured so provided
Insured Persons. by the Company.
If the above obligations are not met with due to whatsoever d. The additional Sum Insured can be provided only once for
reason, the Company shall be relieved of its liability to a Policy.
compensate under this benefit.
Section 3B: Itinerary Covers
3.5. Benefit 5 - Accidental Death – Common Carrier 3.7. Benefit 7 – Trip Cancellation
i. What it covers i. What it covers
The Company shall compensate the legal heir, for in respect of If an Insured Trip is cancelled due to a listed reason, the
an accident occurring during the Insured Trip and resulting in Company shall reimburse the Insured Person(s) for the
death within 365 continuous days from the date of the accident, forfeited, nonrefundable prepaid payments for travel and
where the accident was caused while riding in or on, boarding accommodation, made prior to the start of the originally
or alighting from any Common Carrier as a fare-paying scheduled Insured Trip, up to Sum Insured as specified in the
passenger (but not as a pilot, operator or member of the crew). Policy Schedule.
This benefit shall not apply while the Insured Person is riding
in or on, or boarding or alighting from, any civilian aircraft that The Company shall reimburse up to Sum Insured as specified
does not hold a current and valid Airworthiness Certificate and in the Schedule if he/she cancels the trip and is unable to
/ or is piloted by a person who does not hold a current and continue with the trip because of following unforeseen reason
valid certificate of competency of a rating authorizing him to arising within 15 days immediately prior to Policy Period Start
pilot such aircraft. Date:
The term "Airworthiness certificate" used in this benefit shall a. Unforeseen death of the Insured or Travelling companion.
mean the standard worthiness Certificate issued by the aviation b. Unforeseen death of Insured Person’s immediate family
agency or the governmental authority having jurisdiction over member
civil aviation in the country of its registry. c. The Insured Person(s) or Travelling Companion or
Disappearance: In case where the insured cannot be located Immediate Family Member being hospitalized for a Medical
within 365 Days after the forced landing, stranding, sinking, Emergency for a minimum of 3 days within 15 days prior to
wrecking of the Common Carrier where the insured was a the Policy Period Start date whichever is earlier, provided
farepaying passenger (but not as a pilot, operator or member that the Insured Person(s) shall be certified by the physician
of the crew), the Company shall compensate the legal heir as as medically unfit to undertake the planned trip covered
per benefit for accidental death under the scope of this policy. The Injury or illness shall not
be arising out of any Pre- existing disease.
ii. Specific Exclusions applicable to Accidental Death – Common
Carrier ii. Specific Exclusions applicable to Trip Cancellation
This benefit does not cover any other loss, directly or indirectly, The Company shall not be liable to make any payment under
in whole or in part, including loss caused by or resulting from this benefit in connection with or in respect of any expenses
any exclusion mentioned in the 'General Exclusions' section of whatsoever incurred by the Insured Person for:
this Policy. a. Road Travel and Travel within the Destination Country.
iii. Special Conditions applicable to Accidental Death – Common b. Aircraft-caused delays, including an announced,
Carrier organized sanctioned union labour strike that affects public
The Policy shall terminate for the Insured Person on payment of transportation, unless the commencement of the period of

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 insurance is prior to a date when the strike is foreseeable. A Schedule.
strike is foreseeable on the date the labour union members e. The deductible in respect of this benefit will be applicable
vote to approve a strike. for each separate claim, and shall be of an amount as
c. Travel arrangements cancelled or changed by an airline, specified in the Policy Schedule.
cruise line, or tour operator.
3.9. Benefit 9 – Trip Interruption
d. Depression or anxiety, mental, nervous or emotional
I. What it covers
disorders, alcohol or drug abuse addiction or overdose; or
pregnancy and all related conditions. Trip interruption can refer to:
e. Changes in plans by the Insured Person(s), an Immediate • Curtailment or Shortening of the original Insured Trip for
Family Member or Travelling Companion for any reason. which the Policy was bought, such that the Insured Person(s)
is (are) forced to return to India earlier than specified in
f. Adverse change in financial circumstances of the Insured
the Main Travel Ticket, due to reasons mentioned below.
Person(s), any Immediate Family Member, or a Travelling
The Company shall reimburse the travel expenses for the
Companion.
lowest economy flight ticket to India incurred by Insured
g. Any business or contractual obligations of the Insured Person(s) for such Curtailment.
Person(s), any Immediate Family Member, or a Travelling
• Alteration or Change in Itinerary of the original Insured
Companion,
Trip for which the Policy was bought, such that the Insured
h. Default by the person, agency, or tour operator from whom Person(s) is (are) forced to change (extend, shorten or
the Insured Person(s) bought this Policy and/or made travel cancel) their period of stay in a Destination Country
arrangements. specified in the Main Travel Ticket(s), due to reasons
i. Any government regulation or prohibition. mentioned below. The Company shall reimburse the travel
j. An event or circumstance, which occurs prior to the expenses for the lowest economy flight ticket to the next
commencement of the period of insurance, except where planned Destination Country as per Main Travel Ticket,
specifically listed as covered under this benefit. and Reasonable Additional Expenses incurred by Insured
Person(s) for such Alteration.
k. Loss of job
Curtailment or Alteration of Trip may be made for any of the
l. On account of a felonious assault, where the Insured
below reasons:
/ Insured Person, any Family Member of the Insured /
Insured Person, the Travelling Companion or Travelling a. Due to unforeseen death of Immediate Family Member or
Companion's Family Member has been a principal or Travelling Companion. Insured can only claim Curtailment
accessory in the assault committed. under this reason, Alteration shall not be payable.
m. Any exclusion mentioned in the 'General Exclusions' section b. Due to Natural Disaster in the Destination Country which
of this Policy. has prevented from continuing with the scheduled trip
iii. Special Conditions applicable to Trip Cancellation c. Due to inclement weather in the Destination Country which
has prevented from continuing with the scheduled trip
This benefit is payable only once per trip.
d. The booked accommodation at the Destination Country by
3.8. Benefit 8 – Trip Delay the Insured Person for purposes of stay during the Insured
i. What it covers Trip being made uninhabitable by fire, flood, vandalism,
The Company shall reimburse the Insured Person the burglary, or natural disaster.
Reasonable Additional Expenses until the travel becomes e. If the Insured Person(s) is unable to continue the Insured Trip
possible to the next Destination Country, if the Insured’s Trip due to illness / injury of self or Travelling Companion prior to
is delayed for more three (3) consecutive hours and he/she the departure date, which necessitated Hospitalisation for
is unable or prevented from leaving for the next Destination minimum of 24 hours, for which a claim is payable under
Country as a result of a cancellation or delay of his/her Trip for Benefit 1- Medical Expenses Including Transportation,
one of the Unforeseen events listed below: Evacuation And Repatriation Of Mortal Remains, provided
a. Delay by the Common Carrier on a Main Travel Ticket as that Injury or illness must be so disabling and certified by the
defined under this Policy. Physician as to reasonably cause a trip to be interrupted.

b. The Insured’s or Travelling Companion’s lost or stolen f. Where the Insured was victim of any crime during the
passports, travel documents or money, which necessarily Insured Trip, causing or threatening grievous physical injury
prevents the insured from travelling using his/her Main and necessitating curtailment of the trip.
Travel Ticket at the originally Scheduled time. g. Where Insured elects to curtail the Insured Trip following
ii. Specific Exclusions applicable to Trip Delay Hijack of Common Carrier, and where the Company has
necessarily approved a claim under Benefit 22 – Hijack
This benefit does not cover any other loss, directly or indirectly, Distress Allowance
in whole or in part, including loss caused by or resulting from
any exclusion mentioned in the 'General Exclusions' section of h. Where the Insured is under quarantine as required by a
this Policy. Public decree by announcement/order by the Government
of the Destination Country;
iii. Special Conditions applicable to Trip Delay
i. Where a Common Carrier has refused travel on booked
a. Incurred expenses must be supported by receipts. ticket as the insured has contracted a contagious disease,
b. The benefit will not be payable against any reimbursement, the Company shall pay reasonable accommodation
compensation, free goods or services provided by the charges, subject to Sum Insured, until such time that the
Common Carrier or any other entity. Insured is eligible to travel back to India. The disease must
c. The reimbursement under this benefit will not exceed the be certified by the attending Medical Practitioner, and a
Sum Insured as specified in the Policy Schedule. communication of refusal to this effect received from the
Common Carrier shall be submitted for claim approval.
d. This benefit is payable only once per trip per insured. If the
Insured incurs more than one delay in the same Trip the j. Where bankruptcy of Common Carrier or Hotel has
Company will reimburse the Insured for the delay with the occurred, causing cancellation of pre-booked tickets
largest benefit up to the Maximum Limit shown in the Policy or accommodation where the provider is unable to

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 provide any alternate booking or compensation for such this Policy.
cancellation. iii. Special Conditions applicable to Missed Connections
ii. Specific Exclusions applicable to Trip Interruption The Common Carrier must certify the delay of the regularly
The Company shall not be liable to make any payment under scheduled airline flight corresponding to the Main Travel Ticket.
this benefit in connection with or in respect of any expenses In the event that a Trip Delay and Missed Connection are both
whatsoever incurred by the Insured Person for: caused together, the higher of the two benefits shall become
a. Aircraft-caused delays, including an announced, payable.
organized sanctioned union labour strike that affects public 3.11. Benefit 11 - Total Loss Of Checked-In Baggage
transportation, unless the commencement of the period of
i. What it covers
insurance is prior to a date when the strike is foreseeable. A
strike is foreseeable on the date the labour union members The Company shall compensate the Insured Person for the
vote to approve a strike. total loss of checked-in baggage on an Insured Trip. The cover
is limited to the travel destinations specified in the Main Travel
b. Travel arrangements cancelled or changed by an airline,
Ticket from the Republic of India and return trip back to India.
cruise line, or tour operator.
All halts and via destinations included in this Main Travel Ticket
c. Changes in plans by the Insured Person(s), an Immediate will be covered under this benefit. The compensation will
Family Member or Travelling Companion for any reason. be subject to Deductible and limited to the Sum Insured as
d. Adverse change in financial circumstances of the Insured specified in the Policy Schedule.
Person(s), any Family Member, or a Travelling Companion. The deductible in respect of this benefit will be applicable for
e. Any business or contractual obligations of the Insured each separate claim, and shall be of an amount as specified in
Person(s), any Family Member, or a Travelling Companion. the Policy Schedule.
f. Default by the person, agency, or tour operator from whom ii. Specific Exclusions applicable to Total Loss of Checked-in
the Insured Person(s) bought this Policy and/or made travel Baggage
arrangements. The Company shall not be liable to make any payment under
g. Any government regulation or prohibition. this benefit in connection with or in respect of any expenses
h. An event or circumstance, which occurs prior to the whatsoever incurred by the Insured Person for:
commencement of the period of insurance. a. Valuables and money in physical form like cash or cheque,
i. On account of a felonious assault, where the Insured, any all kinds of securities and tickets/passes/booking-receipts
Family Member of the Insured, the Travelling Companion or any other item not declared to, and agreed to by, the
or Travelling Companion's Family Member has been a Company.
principal or accessory in the assault committed. b. Loss of hand luggage, or any baggage or property which
j. Loss of Job was not checked-in at the time of loss.
k. Any exclusion mentioned in the 'General Exclusions' section c. Loss of any checked-in property unless a Property
of this Policy Irregularity Report or other report usually issued by common
carriers in the event of loss of checked-in baggage has
iii. Special Conditions applicable to Trip Interruption
been procured and submitted to the Company.
a. However, the benefit payable will not exceed the cost of
d. Any partial loss of the items contained within the checked-
economy airfare less any refunds paid or payable and
in baggage.
taken by the most direct route.
e. Items contained within the checked-in baggage, which are
b. This coverage is effective if the incident occurs during
valued in excess of US $ 100 without appropriate proof of
the Policy Period mentioned in the Policy Schedule and
ownership.
only in case, where the Insured were unaware of any
circumstances that could lead to disruption, Curtailment f. Losses arising from any delay, detention, confiscation by
or Alteration of Insured Trip at the time of purchasing this customs officials or other public authorities.
insurance Policy. g. Loss due to complete/partial damage of the checked-in
c. The total amount paid under this benefit will be subject baggage.
to the Sum Insured mentioned for the benefit in the Policy h. Loss of hand luggage, or any baggage or property while
Schedule. not in custody of the common carrier.
d. The deductible in respect of this benefit will be applicable if i. Any exclusion mentioned in the 'General Exclusions' section
any and shall be of an amount as specified in the Schedule. of this Policy.
3.10. Benefit 10 – Missed Connections The Company’s liability under this benefit shall be restricted to
the value of the baggage as described above. The company
i. What it covers
shall not be responsible for payment of any losses arising as
If, while on the Insured Trip, the Insured misses a connecting a consequence of loss of such baggage. Such consequential
flight departure resulting from cancellation or delay of 3 or more loss includes but is not limited to losses arising from loss of
hours of a Main Travel Ticket, caused by the Common Carrier, data and documents.
the Company will reimburse the Insured for the following, up to
The Company shall not be liable to cover any losses arising
the Maximum Limit shown in the Policy Schedule:
during travel to or from destinations which were not declared
a. Reasonable Additional Expenses not provided by the by the customer at the time of buying the policy.
Common Carrier
iii. Special Conditions applicable to Total Loss of Checked-in
b. Non-refundable, unused portion of the prepaid expenses
Baggage
as long as the expense is supported by a proof of purchase
and is not reimbursable by another source a. The Company will compensate the Insured Person for the
market value of checked-in baggage in the event of total
ii. Specific Exclusions applicable to Missed Connections
and complete loss of such checked-in baggage caused by
This benefit does not cover any other loss, directly or indirectly, a common carrier up to the limits as specified in the Policy
in whole or in part, including loss caused by or resulting from Schedule subject to the following:
any exclusion mentioned in the 'General Exclusions' section of

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 • Maximum amount payable per unit of checked-in • The Insured is a fare-paying passenger on a Common
baggage shall be 50%, and that payable per article Carrier. The journey for which claim is made, is to the
contained in each bag shall be 10% of the applicable travel destinations specified in the Main Travel Ticket of
Sum Insured. the Insured Trip.
• A combined maximum limit of 10% of the Sum Insured • The delay of checked-in baggage is more than 12 hours
applies for the following: jewellery, watches, articles from the actual arrival time of the common carrier at the
consisting, in whole or in part, of silver, gold or platinum, destination and relates to delivery of baggage that has
furs, articles trimmed with or made mostly of fur. been checked in by the common carrier.
• Loss of a Pair/Set: Pair or set of articles is treated as one • Insured Person provides the Company with written
article (example: set of earrings). proof from the Common Carrier certifying the delay or
• Insured must provide all reports, documents and other misdirection of checked-in baggage.
details concerning the loss to the Emergency Assistance • Insured Person provides the Company with the receipts
Service Provider. for the necessary emergency purchases of toiletries,
b. In an event where the lost Checked-In Baggage is medication and clothing that he/she needed to buy.
subsequently delivered to the Insured, the Insured shall • The compensation will not exceed the Sum Insured
refund in full the sum paid by the Company hereunder, as specified in the Policy Schedule. The deductible
provided that, the Company shall separately consider the in respect of this benefit will be applicable for each
Insured’s eligibility for recovery of claim under the Benefit separate claim, and shall be of an amount as specified
11 - Delay of Checked-In Baggage under the Policy. in the Policy Schedule.
c. In the event of loss of baggage whilst in the custody of an b. In the event that claim(s) is submitted for total loss of
airline, a Property Irregularity Report (PIR) must be obtained checked-in baggage as well as temporary delay of
from the airline immediately upon discovery of the loss checked-in baggage, the higher of the claim(s) shall be
which must be submitted to the Emergency Assistance payable by the Company in respect of the same item(s) of
Service Provider. checked-in baggage during any one Policy Period.
d. Total loss of a unit of baggage shall be compensated. c. In the event that the Company makes any payment or
For this purpose, a unit of baggage shall mean the entire reimbursement under this benefit, it is a condition that such
bag as checked-in with the Common Carrier, for which payment shall be net of any compensation received from
the baggage receipt was given by the Common Carrier. the common carrier by the Insured Person, or on behalf of
However, where baggage is recovered, but there is partial the Insured Person. In case such compensation is received
destruction or damage of baggage; or missing of contents post payment of claim by the Company, the Company shall
from baggage, this is not covered under the Policy. have right to recover such compensation up to the amount
e. Benefit payable will be in excess of any amount paid or of the claim already paid.
payable by the Common Carrier responsible for the loss. d. Benefits payable will be in excess of all other valid and
f. Benefits payable will be in excess of all other valid and collectible insurance. If at the time of the occurrence of any
collectible insurance. If at the time of the occurrence of any loss there is other valid and collectible insurance in place.
loss there is other valid and collectible insurance in place. The Company will be liable only for the excess of the
The Company will be liable only for the excess of the amount amount of loss, over the amount of such other insurance,
of loss, over the amount of such other insurance, and any and any applicable Deductible.
applicable Deductible. 3.13. Benefit 13 – Bounced Booking of Airline and Hotel
3.12. Benefit 12 - Delay Of Checked-In Baggage i. What it covers
i. What it covers The Company shall reimburse the actual additional expenses/
cost incurred by the Insured up to the Sum Insured specified in
The Company will reimburse the Insured for the expense of
the Policy Schedule for alternative flight arrangements or for
Necessary Personal Effects incurred during the Insured Trip,
alternative accommodation in the event of the confirmed flight
up to the limit stated in the Policy Schedule, if the Insured’s
reservation for any part of the Insured Trip within the Policy
Checked-in Baggage is delayed or misdirected by a Common
Period bouncing at the sole instance of the Common Carrier or
Carrier for more than the Deductible shown on the Policy
bouncing of the confirmed accommodation booking at place
Schedule from the time the Insured arrives at the destination
of stay being part of the Insured Trip solely at the instance
stated on his/her Main Travel Ticket.
of the accommodation provider where such bouncing or
ii. Specific Exclusions applicable to Delay of Checked-in cancellation is due to overbooking, and involuntary on part of
Baggage the policyholder.
The Company shall not be liable to make any payment under Provided that the Company's liability shall be in relation to the
this benefit in connection with or in respect of any expenses travel covered by such confirmed booking and in relation to
whatsoever incurred by the Insured Person for: accommodation in the same place of stay and also provided
a. Losses arising from any delay, detention, confiscation by that the Company's liability to such additional expenses shall
customs officials or other public authorities. be in relation to the same class of travel and same category of
accommodation as the case may be covered by the original
b. Any checked-in baggage delay on the inbound sector to confirmed bookings.
the Republic of India.
The reimbursement under this benefit will not exceed the Sum
c. Any exclusion mentioned in the 'General Exclusions' section Insured as specified in the Policy Schedule. The Deductible
of this Policy. in respect of this benefit will be applicable for each separate
iii. Special Conditions applicable to Delay of Checked-in Claim, and shall be of an amount as specified in the Policy
Baggage Schedule.
a. The Company will pay or reimburse costs of Necessary ii. Specific Exclusions applicable to Bounced Booking of Airline
Personal Effects in the event of the Insured Person suffering and Hotel
delay of his/her checked-in baggage in the course of the The Company shall not be liable to make any payment under
Insured Trip, provided that: this benefit in connection with or in respect of any expenses

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 whatsoever incurred by the Insured Person for: than 20 days from the discharge of insured from Hospital;
a. If the Insured shall fail to adhere to the rules of the Common c. If the insured’s Main Travel Ticket can be up-graded from
Carrier or the accommodation provider in connection with economy class to business class, the company’s maximum
reconfirmation of the booking before the date of travel or liability under this benefits shall be limited to the difference
occupation as the case may be. in cost between the economy class Main Travel Ticket and
b. In connection with any waitlisted travel booking or business class air ticket; and
accommodation booking irrespective of whether such d. If the Insured’s economy class Main Travel Ticket cannot be
bookings have been promised to be confirmed later. up-graded then the company’s maximum liability under
c. If the confirmed accommodation shall be a personal these benefits shall be limited to the cost of cancellation
arrangement free of charge. and the difference between the cost of the new business
class ticket and the refund amount received from the
d. Where the alternative arrangements for either the travel or
cancelled economy class Main Travel Ticket.
the accommodation is provided by the Common Carrier or
the accommodation provider as the case may be within 6 e. The company shall not be liable to make any payment
hours from the time of departure of the travel covered by under these Benefits if the insured was originally booked to
the bounced booking or the time commencement of stay return to India on a business class Main Travel Ticket.
covered by the earlier confirmed accommodation booking. f. Where Company has approved a claim under any
e. Any air tickets / hotel bookings which are allotted to Airline other cover of this Policy, for compensation of the same
staff / hotel staff or under any special travel industry transportation, Insured shall not be eligible to claim again
employee scheme. under this cover.
iii. Special Conditions applicable to Bounced Booking of Airline g. The compensation under this benefit shall be limited to the
and Hotel amount as specified in the Policy Schedule.
a. It is a condition precedent to admission of liability by the 3.15. Benefit 15 – Lounge Access
Company under this cover that the Insured shall take all i. What it covers
steps to fix the primary responsibility for the bouncing of
If, while on the Insured Trip, the Insured experiences an
bookings both with the Common Carrier and/ or with the
international flight departure delay of 3 (three) or more hours
accommodation provider and try to recover from them
on a Main Travel Ticket, where such delay is caused by the
the consequential loss incurred by the Insured by way of
Common Carrier, the Company shall arrange for Lounge
additional expenses for alternative travel arrangement
Access at the airport.
or alternative accommodation arrangement. Details of
the steps taken by the Insured shall be furnished to the ii. Specific Exclusions applicable to Lounge Access
Company. This benefit shall not provide any monetary compensation
b. Any recovery towards additional expenses incurred for whatsoever to the Insured.
alternative travel or accommodation arrangement effected This benefit does not cover any other loss, directly or indirectly,
from the Common Carrier or accommodation provider in whole or in part, including loss caused by or resulting from
as the case may be, if any, effected from the concerned any exclusion mentioned in the 'General Exclusions' section of
agencies after settlement of the claim under the policy shall this Policy.
be remitted to the Company to the extent of the amount of iii. Special Conditions applicable to Lounge Access
claim admitted and paid by the Company to the Insured.
a. Lounge is a facility available at the airport, for providing
3.14. Benefit 14 – Up-gradation to Business Class comfortable waiting experience.
i. What it covers b. Lounge Access shall mean entry into a Lounge, and access
The Company will compensate the Insured the reasonable to complimentary benefits offered by the particular Lounge
expenses incurred in respect of the insured’s Up-gradation to a at the time of such entry.
business class air ticket, by the most direct route from the place The Company is not liable to provide access to any Lounge
of Hospitalization of the Insured to India, if such upgrade from falls under the following special categories:
economy class is necessitated by Medical Emergency suffered • First Class, Frequent Flier or Business Class Lounge
by the Insured during the Insured Trip. belonging to airline
ii. Specific Exclusions applicable to Up-gradation to Business • Membership-only Lounge
Class
• Any other special access Lounge
This benefit does not cover any other loss, directly or indirectly,
in whole or in part, including loss caused by or resulting from c. The Company shall not be liable to compensate the Insured
any exclusion mentioned in the 'General Exclusions' section of for any additional paid services or items availed at the
this Policy. Lounge.
iii. Special Conditions applicable to Up-gradation to Business d. The Company shall not be liable to compensate the Insured
with any amount or service in case where Lounge is not
The compensation under this benefit is subject to the following available at the airport, or where access to Lounge is
terms and conditions: denied due to Lounge being full.
a. For a claim to be payable under this benefit, it is a e. The Company shall not be responsible for providing to the
precondition that an in-patient hospitalization claim must Insured any additional amount or service where the insured
have been accepted by the Company under Benefit 1- is unable to utilize the provided Lounge Access services.
Medical Expenses Including Transportation, Evacuation
And Repatriation Of Mortal Remains. The Insured has to f. Details of how to avail the service shall be updated on the
be hospitalized for Medical Emergency for a period of 5 Company’s website from time to time
consecutive days or more during the Insured Trip to be Section 3C: Value-Added and Assistance Covers
eligible for this benefit. Up-gradation of Main Travel Ticket is
3.16 Benefit 16 – Home Burglary Insurance
necessitated by this medical condition and recommended
by the attending Medical Practitioner or Physician. i. What it covers
b. The Insured’s return air travel to India commences not later The Company shall pay to the Insured Person a sum as

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 compensation for any Loss or Damage sustained by the Insured reasons or causes specified hereunder:
or Insured Person and caused by burglary and/or attempted a. Fire: Excluding Loss, Destruction or Damage caused to the
burglary, to the contents of Policyholder’s Residence in India property insured by:
subject to the total liability of the Company not exceeding the
• Its own fermentation, natural heating or spontaneous
Sum Insured as specified in the Policy Schedule in any one trip
combustion.
irrespective of the number of such incidents or occurrences
arising out of such incidents. • Its undergoing any heating or drying process.
Jewellery will be covered under this benefit as part of contents • Burning of property by order of any Public Authority.
up to 20% of the Sum Insured as specified in the Policy Schedule b. Lightning
or Rs. 1,00,000/- in INR terms or actual loss, whichever is less c. Explosion/ Implosion: Excluding Loss, Destruction or
Note: in the case of a Loss of Jewellery, The Company's Damage:
liability for any Claim for loss or damage shall be limited to the • To boilers (other than domestic boilers), economizers or
inherent value of the metal or precious stones only, as the case other vessels, machinery or apparatus (in which steam
may be, and will exclude any additional value added thereon/ is generated) or their contents resulting from their own
attributable thereto due to the labour cost, transportation explosion/ implosion.
expenses, etc.
• Caused by centrifugal forces.
ii. Specific Exclusions applicable to Home Burglary Insurance:
d. Aircraft Damage: Loss, Destruction or Damage caused by
The Company shall not be liable to make any payment Aircraft, other aerial or space devices and articles dropped
under this benefit in connection with or in respect of any loss therefrom, excluding Loss, Destruction or Damage caused
whatsoever incurred by the Insured Person for: by pressure waves.
a. This Policy does not cover the first Rs. 10,000 for each and e. Riot, Strike and Malicious Damage: Loss of, or visible
every loss arising out of other perils in respect of which the physical Damage or Destruction by external violent means,
Insured is indemnified by this Policy. directly caused to the property insured. This excludes Loss,
b. Loss or damage caused by the Insured Person's and / or Destruction or Damage caused by
Insured Person's employee(s) or agents and / or Insured • Total or partial cessation of work, or the retardation,
Person's Family member's direct or indirect involvement in interruption or cessation of any process or operations
the actual or attempted burglary. or omissions of any kind
c. Any loss or damage to, or on account of loss of, livestock, • Permanent or temporary dispossession resulting from
motor vehicles, pedal cycles, money, securities for confiscation, commandeering, requisition or destruction
money, stamp, bullion, deeds, bonds, bills of exchange, by order of the Government or any lawfully constituted
promissory notes, stock or share certificates, business Authority.
books, manuscripts, documents of any kind, ATM debit or
credit cards, precious stones that are not part of jewellery • Permanent or temporary dispossession of any building
or ornaments, gold bullion (unless previously specifically or plant or unit of machinery resulting from the unlawful
declared to, and accepted by, the Company in writing). occupation by any person of such building or plant or
unit or machinery or prevention of access to the same.
d. Loss or damage to any property/item illegally acquired,
kept, stored or property subject to forfeiture in any manner • Burglary, housebreaking, theft, larceny or any such
whatsoever attempt or any omission of any kind by any person
(whether or not such act is committed in the course of a
e. Loss or damage to the property arising from Theft without disturbance of public peace) in any malicious act.
actual forcible and violent entry and/ or exit from the
premises. • Onus of proof: If the Company alleges that the loss/
damage is not caused by any malicious act, the burden
f. Loss or damage directly or indirectly, proximately or remotely of proving the contrary shall be upon the insured.
occasioned by or which arises out of or in connection with
riot and strike, civil commotion, terrorist activities. Terrorism Damage Exclusion Warranty
g. Losses or Damage that occurs when the Policyholder’s This Policy excludes loss, damage, cost or expense of
Residence has been unoccupied for at least 90 days whatsoever nature directly or indirectly caused by, resulting
immediately preceding the date of loss. from or in connection with any act of terrorism regardless
of any other cause or event contributing concurrently or in
h. Losses or Damage in connection to a building of Kutcha any other sequence to the loss.
Construction.
For the purpose of this exclusion, an act of terrorism means
i. Losses or Damage in connection to a building that is under an act, or series of acts, including but not limited to the use of
construction or under renovation. force or violence and/or the threat thereof, of any person or
iii. Special Conditions applicable to Home Burglary Insurance: group(s) of persons, whether acting alone or on behalf of or
For the purpose of this benefit, Policyholder’s Residence shall in connection with any organisation(s) or government(s), or
mean the Residence as mentioned in the Policy Schedule as unlawful associations, recognized under Unlawful Activities
the Residential Address, which is also owned and occupied (Prevention) Amendment Act, 2008 or any other related
(except during the Policy Period) by the Policyholder. and applicable national or state legislation formulated to
combat unlawful and terrorist activities in the nation for
The company’s total liability in aggregate for all Claims paid
the time being in force, committed for political, religious,
under this benefit shall not exceed the Sum Insured for the
ideological or similar purposes including the intention to
benefit as mentioned in the Policy Schedule.
influence any government and/or to put the public or any
3.17. Benefit 17 – Fire Cover for Building (Home in India) section of the public in fear for such purposes.
i. What it covers This exclusion also includes loss, damage, cost or expense
The Company shall pay to the Policyholder compensation for of whatsoever nature directly or indirectly caused by,
any Loss, Destruction or Damage sustained by the Policyholder, resulting from or in connection with any action taken in
if the property(building) which is the Policyholder’s Residence, controlling, preventing, suppressing or in any way relating
while it is unoccupied, is, in whole or part, destroyed or to the above.
damaged during the Policy Period by any of the perils, events, f. Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado,

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 Flood and Inundation c. Loss, Destruction or Damage to bullion or unset precious
g. Impact Damage: Loss of, or visible physical Destruction or stones, any curios or works of art for an amount exceeding
Damage caused to the property due to impact by any Rail/ Rs. 10000/-, manuscripts, plans, drawings, securities,
Road vehicle or animal by direct contact not belonging to or obligations or documents of any kind, stamps, coins
owned by or paper Money, cheques, books of accounts or other
business books, computer systems records, explosives
• The Insured or any occupier of the premises or
unless otherwise expressly stated in the policy.
• Their employees while acting in the course of their
d. Loss, Destruction or Damage to the stocks in Cold Storage
employment
premises caused by change of temperature.
h. Subsidence and Landslide including Rock slide: Loss,
e. Loss, Destruction or Damage to any electrical machine,
Destruction or Damage directly caused by Subsidence of
apparatus, fixture, or fitting arising from or occasioned by
part of the site on which the property stands or Land slide/
over-running, excessive pressure, short circuiting, arcing,
Rock slide excluding:
self heating or leakage of electricity from whatever cause
• The normal cracking, settlement or bedding down of (lightning included) provided that this exclusion shall apply
new structures only to the particular electrical machine, apparatus, fixture
• The settlement or movement of made up ground or fitting so affected and not to other machines, apparatus,
• Coastal or river erosion fixtures or fittings which may be destroyed or damaged by
fire so set up.
• Defective design or workmanship or use of defective
materials f. Expenses necessarily incurred on

• Demolition, construction, structural alterations or repair • Architects, Surveyors and Consulting Engineer's Fees
of any property of ground works or excavations. and

i. Bursting and/or overflowing of Water Tanks, Apparatus • Debris Removal by the Insured following a Loss,
and Pipes Destruction or Damage to the property by a peril
insured under this benefit, in excess of 3% and 1% of
j. Missile Testing operations the claim amount respectively.
k. Leakage from Automatic Sprinkler Installations: Excluding g. Loss of earnings, loss by delay, legal liability, loss of market
Loss, Destruction or Damage caused by or other consequential or indirect Loss, Destruction or
• Repairs or alterations to the buildings or premises. Damage of any kind or description whatsoever.
• Repairs, Removal or Extension of the Sprinkler h. Loss, Destruction or Damage by spoilage resulting from the
Installation. retardation or interruption or cessation of any process or
• Defects in construction known to the Insured. operation caused by operation of any of the perils covered.
l. Bush Fire: Excluding loss destruction or damage caused by i. Loss by theft during or after the occurrence of any insured
Forest Fire. Provided that the liability of the Company shall peril, except as provided under Riot, Strike and Malicious
in no case exceed: Damage cover.
• In respect of each item, the limit specified in the Policy j. Any Loss, Destruction or Damage occasioned by or through
Schedule to be Insured thereon or or in consequence directly or indirectly due to earthquake,
Volcanic eruption or other convulsions of nature.
• In the whole the total Sum Insured specified in the Policy
Schedule k. Loss, Destruction or Damage to property if removed to any
building or place other than in which it is herein stated to
m. Earthquake (Fire and Shock): Loss, Destruction or Damage
be Insured, except machinery and equipment temporarily
(including loss or damage by fire) to the property insured
removed for repairs, cleaning, renovation or other similar
under this Policy, occasioned by earthquake including
purposes for a period not exceeding 60 days.
Landslide / Rockslide resulting therefrom, but excluding
flood or overflow of the sea, lakes, reservoirs and rivers l. Loss, Destruction or Damage in connection to a building of
caused by Earthquake. Kutcha Construction.
Onus of proof: In the event of the Insured making any claim for m. Loss, Destruction or Damage in connection to a building or
loss or damage under this policy he must (if so required by the residence that is under construction or under renovation.
Company) prove that the loss or damage was occasioned by n. Loss, Destruction or Damage that occurs when the
or through or in consequence of earthquake. Policyholder’s Residence has been unoccupied for at least
ii. Specific Exclusions applicable to Fire Cover for Building 90 days immediately preceding the date of loss.
(Home in India) o. Any exclusion mentioned in the 'General Exclusions' section
a. This Policy does not cover of this Policy.
• The first 5% of each and every claim subject to a iii. Special Conditions applicable to Fire Cover for Building
minimum of Rs. 10,000 in respect of each and every loss (Home in India)
arising out of natural events such as, but not limited to, a. For the purpose of this benefit, Policyholder’s Residence
Lightning, Storm, Tempest, Fire, Inundation, Subsidence, shall mean the Residence as mentioned in the Policy
Landslide and Rock slide covered under this Benefit Schedule as the Residential Address, which is also owned
• The first Rs. 10,000 for each and every loss arising and occupied (except during the Policy Period) by the
out of other perils in respect of which the Insured is Policyholder.
indemnified under this Benefit. b. The compensation under this benefit shall be calculated
b. Loss, Destruction or Damage caused to the property by basis the market value (after depreciation) at the time of
pollution or contamination excluding: loss, of the property lost or damaged (in part or full), or the
cost of reinstating such property to the state immediately
• Pollution or contamination which itself results from a
before occurrence of the loss, whichever is lower.
peril covered under this benefit.
The Company may at its discretion, choose to:
• Any peril which would otherwise be covered under this
benefit, where such peril itself results from pollution or • Reinstate structural damage
contamination. • Or repair, replace or reinstate contents of such property

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 or any part thereof, as payment under this benefit. h. On the occurrence of Loss, Destruction or Damage to any of
c. This Benefit shall be voidable in event of misrepresentation, the Property by this Policy, the Company may
mis-description or nondisclosure of any material • Enter and take and keep possession of the building or
information. premises where the Loss, Destruction or Damage has
d. All insurances under this Benefit shall cease on expiry of happened.
seven days from the date of fall or displacement of any • Take possession of or require to be delivered to it any
building or part thereof or of the whole or any part of property of the Insured in the building or on the premises
any range of buildings or of any structure of which such at the time of the Loss, Destruction or Damage.
building forms part. Provided such a fall or displacement is • Keep possession of any such property and examine,
not caused by insured perils, Loss, Destruction or Damage sort, arrange, remove or otherwise deal with the same.
by which is covered by this Benefit or would be covered
• Sell any such property or dispose off the same for
if such building, range of buildings or structure were
account of whom it may concern.
insured under this Benefit. Notwithstanding the above, the
Company subject to an express notice being given as soon The powers conferred by this condition shall be exercisable
as possible but not later than seven days of any such fall or by the Company at any time until notice in writing is given
displacement may agree to continue the insurance subject by the Insured that he makes no claim under the policy, or if
to revised rates, terms and conditions as may be decided any claim is made, until such claim is finally determined or
by it and confirmed in writing to this effect. withdrawn, and the Company shall not by any act done in
the exercise or purported exercise of its powers hereunder,
e. Under any of the following circumstances the insurance
incur any liability to the Insured or diminish its rights to rely
ceases to attach as regards the property affected unless
upon any of the conditions of this policy in answer to any
the Insured, before the occurrence of any Loss, Destruction
claim.
or Damage, obtains the sanction of the Company signified
by endorsement upon the Benefit by or on behalf of the If the Insured or any person on his behalf shall not comply
Company:- with the requirements of the Company or shall hinder
or obstruct the Company, in the exercise of its powers
• If the trade or manufacture carried on be altered, or if
hereunder, all benefits under this Benefit shall be forfeited.
the nature of the occupation of or other circumstances
The Insured shall not in any case be entitled to abandon
affecting the building Insured or containing the Insured
any property to the Company whether taken possession of
property be changed in such a way as to increase the
by the Company or not.
risk of Loss, Destruction or Damage by insured perils.
i. If the Company at its option, reinstate or replace the
• If the interest in the property passes from the Insured
property damaged or destroyed, or any part hereof,
otherwise than by a Will or
instead of paying the amount of the Loss, Destruction or
• Operation of law. Damage, or join with any other Company or Insurer(s) in
f. This insurance does not cover any Loss, Destruction or so doing, the Company shall not be bound to reinstate
Damage to property which, at the time of the occurrence of exactly or completely but only as circumstances permit and
such Loss, Destruction or Damage, is insured by or would, in reasonably sufficient manner, and in no case shall the
but for the existence of this Policy, be insured by any marine Company be bound to expend more in reinstatement than
policy or policies except in respect of any excess beyond the it would have cost to reinstate such property as it was at the
amount which would have been payable under the marine time of the occurrence of such Loss, Destruction or Damage
policy or policies had this insurance not been effected. nor more than the Sum Insured by the Company thereon. If
g. On the occurrence of any Loss, Destruction or Damage the the Company so elect to reinstate or replace any property
Insured shall forthwith give notice thereof to the Company the Insured shall at his own expense furnish the Company
and shall within 15 days after the Loss, Destruction or with such plans, specifications, measurements, quantities
Damage, or such further time as the Company may in and such other particulars as the Company may require,
writing allow in that behalf, deliver to the Company and no acts done, or caused to be done, by the Company
with a view to reinstate or replace shall be deemed an
• A claim in writing for the Loss, Destruction or Damage
election by the Company to reinstate or replace.
containing as particular an account as may be
reasonably practicable of all the several articles or If in any case the Company shall be unable to reinstate
items or property damaged or destroyed, and of the or repair the property hereby Insured, because of any
amount of the Loss, Destruction or Damage thereto municipal or other regulations in force affecting the
respectively, having regard to their value at the time of alignment of streets or the construction of buildings or
the Loss, Destruction or Damage not including profit of otherwise, the Company shall, in every such case, only be
any kind. liable to pay such Sum as would be requisite to reinstate or
repair such property if the same could lawfully be reinstated
• Particulars of all other insurances, if any The Insured
to its former condition.
shall also at all times at his own expense produce,
procure and give to the Company all such further j. If the property hereby Insured shall at the breaking out of
particulars, plans, specification books, vouchers, any fire or at the commencement of any destruction of or
invoices, duplicates or copies thereof, documents, damage to the property by any other peril, hereby Insured
investigation reports (internal/ external), proofs and against be collectively of greater value than the Sum
information with respect to the claim and the origin and Insured thereon, then the Company shall be responsible for
cause of the loss and the circumstances under which compensating the Insured up to the Sum Insured specified
the Loss, Destruction or Damage occurred, and any under this Policy.
matter touching the liability or the amount of the liability k. If at the time of occurrence of any Loss, Destruction or
of the Company as may be reasonably required by or Damage to any property hereby Insured there be any other
on behalf of the Company together with a declaration subsisting insurance or insurances, whether effected by
on oath or in other legal form of the truth of the claim the Insured or by any other person or persons covering the
and of any matters connected therewith. No claim same property, this Company shall not be liable to pay or
under this Benefit shall be payable unless the terms of contribute more than its rateable proportion of such Loss,
this condition have been complied with. Destruction or Damage.

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 l. Every notice and other communication to the Company as specified in the Policy Schedule.
required by these conditions must be written or printed. ii. Specific Exclusions applicable to Compassionate Visit
m. At all times during the period of insurance of this policy the This benefit does not cover any other loss, directly or indirectly,
insurance cover will be maintained to the full extent of the in whole or in part, including loss caused by or resulting from
respective Sum Insured in consideration of which upon the any exclusion mentioned in the 'General Exclusions' section of
settlement of any loss under this Policy, pro-rata premium this Policy.
for the unexpired period from the date of such loss to the
expiry of period of insurance for the amount of such loss 3.20. Benefit 20 – Return of Minor Child
shall be payable by the Insured to the Company. i. What it covers
The additional premium referred above shall be deducted The Company shall reimburse the cost of the economy class
from the net claim amount payable under the Benefit. air ticket incurred for sending the Insured’s unattended Minor
This continuous cover to the full extent will be available Child back to India, in the event of the death of the Insured
notwithstanding any previous loss for which the Company during the Insured Trip; or where the Insured is Hospitalized
may have paid hereunder and irrespective of the fact during the Insured Trip due to Medical Emergency where such
whether the additional premium as mentioned above has Hospitalisation shall, in the opinion of the attending Medical
been actually paid or not following such loss. The intention Practitioner, extend beyond a period of 5 days.
of this condition is to ensure continuity of the cover to Minor Child for the purpose of this benefit shall mean child of
the Insured subject only to the right of the Company for the Insured, below the age of 18 years.
deduction from the claim amount, when settled, of pro-rata
premium to be calculated from the date of loss till expiry of Company's liability relating to this benefit shall in no case
the Policy. exceed the Sum Insured as specified in the Policy Schedule.
Notwithstanding what is stated above, the Sum Insured ii. Specific Exclusions applicable to Return of Minor Child
shall stand reduced by the amount of loss in case the This benefit does not cover any other loss, directly or indirectly,
Insured immediately on occurrence of the loss exercises in whole or in part, including loss caused by or resulting from
his option not to reinstate the Sum Insured as above. any exclusion mentioned in the 'General Exclusions' section of
n. The company’s total liability in aggregate for all Claims paid this Policy.
under this benefit shall not exceed the Sum Insured for the iii. Special Conditions applicable to Return of Minor Child
benefit as mentioned in the Policy Schedule. a. This benefit shall not be payable as long as the child is
3.18. Benefit 18 – Fire Cover for Contents (Home in India) able to receive supervision and care from at least one adult
Travelling Companion.
i. What it covers
b. It is a condition precedent to the Company's liability
The Company shall pay to the Policyholder compensation for hereunder that the need for the return of Minor Child is also
any Loss, Destruction or Damage sustained by the Policyholder, approved by the Company or Assistance Service Provider.
if the property(contents) which is within the Policyholder’s
Residence, while such premises is unoccupied, is, in whole or c. The Company shall not be liable for any payment under
part, destroyed or damaged during the Policy Period by any of this benefit if the Hospitalisation occurs within 5 days prior
the perils, events, reasons or causes specified under Section to the completion of Insured Trip.
3.17 Benefit 17 – Fire Cover for Building (Home in India) Sub- 3.21. Benefit 21 – Personal Liability
section i.
i. What it covers
ii. Specific Exclusions applicable to Fire Cover for Contents
The Company will indemnify the Insured Person in the event
(Home in India)
the Insured Person becomes legally liable to a third party under
All exclusions as under Section 3.17 Benefit 17 – Fire Cover for the law applicable in the jurisdiction / destination mentioned
Building (Home in India) Sub-section ii. as the Insured Trip for an incident which results in death, injury
iii. Special Conditions applicable to Fire Cover for Contents or damage to the health of such third party or damage to his/
(Home in India) her properties, but not exceeding the Sum Insured as specified
All conditions as under Section 3.17 Benefit 17 – Fire Cover for in the Policy Schedule and provided the incident occurs during
Building (Home in India) Sub-section iii. the Policy Period and whilst being on a Insured Trip.
The company’s total liability in aggregate for all Claims paid Please note that the Sum Insured mentioned against this
under this benefit shall not exceed the Sum Insured for the Benefit in the Policy Schedule is:
benefit as mentioned in the Policy Schedule. • Maximum amount that the Company is liable under this
3.19. Benefit 19 – Compassionate Visit Policy per Policy Period
i. What it covers • Also, the Maximum amount that the Company is liable
under this per occurrence or event of Claim
In the event the Insured Person is hospitalized for more than
seven (7) consecutive days, and his/her medical condition ii. Specific Exclusions applicable to the Personal Liability:
forbids repatriation and no adult Immediate Family Member The Company shall not be liable to make any payment under
or adult travelling companion is present, the Company, after this benefit in connection with or in respect of any expenses
obtaining confirmation of need for assistance of a companion whatsoever incurred by the Insured Person for:
from the attending doctor and the Emergency Assistance a. Any Claim arising from Insured Person's contractual liability
Service Provider, will provide: or through promises made by the Insured Person.
a. A round trip economy class air ticket, or first class railway b. Any Claim of personal liability of the Insured Person towards
ticket, to allow one Immediate Family Member, during the his/her Family, relations and Travelling Companions,
entire Policy Period, to be at his /her aid for the duration of whether personal or official.
stay in the Hospital;
c. Any Claim resulting from transmission of an Illness or
b. Expenses towards accommodation of the immediate disease by the Insured Person.
family member during such compassionate visit.
d. Any Claim arising towards a third party within the
The Company's liability for round trip ticket and the expenses jurisdiction of Republic of India.
relating to this benefit shall in no case exceed the Sum Insured

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 e. Any Claim or Damage resulting from professional activities the Company
or Business involving the Insured Person. This exclusion
3.22. Benefit 22 – Hijack Distress Allowance
applies but is not limited to an act or omission, regardless
of its nature or circumstance, involving a service or duty i. What it covers
rendered, promised, owed, or implied to be provided The Company shall make an allowance to the Insured Person,
because of the nature of the Business or Professional in the event of Hijack of a Common Carrier in which the Insured
Services. ‘Business’ here means trade, profession or Person is travelling on the Insured Trip during Policy period, of
Occupation of the Insured Person. the amount as specified in the Policy Schedule.
f. Any Claim for liability arising, directly or indirectly, from or The Deductible in respect of this benefit will be applicable for
due to: each separate Claim, and shall be of an amount as specified
• The possession of animals, birds, reptiles, insects, etc. in the Policy Schedule.
and by products like skin, hair, feathers, horns, fur, ivory, ii. Specific Exclusions applicable to Hijack Distress Allowance:
bones, eggs, etc. The Company shall not be liable to make any payment under
• The ownership or possession of vehicles, aircrafts, this benefit in connection with or in respect of any expenses
water crafts, or activities of the Insured Person involving whatsoever incurred by the Insured Person for:
parachuting, hand-gliding, hot air ballooning or use of a. The first twelve (12) hours of the Hijacking.
firearms.
b. Any incident where the Insured Person is suspected to be
g. Any Claim for liability arising, directly or indirectly, from or either the principal or an accessory in the Hijacking.
due to any wilful, malicious or unlawful act.
c. Any Claim as a consequence of a change in the regular
h. Any Claim for liability arising, directly or indirectly, from or routes of travel / journey of the Common Carrier due to
due to any act of insanity, the use of any alcohol/ drugs traffic, weather, fuel shortage, and technical snag or
(except as medically prescribed) or drug addiction. security reasons.
i. Any Claim for liability arising, directly or indirectly, from or d. Any exclusion mentioned in the 'General Exclusions' section
due to any supply of goods or services on the part of the of this Policy.
Insured Person.
j. Any Claim for liability arising, directly or indirectly, from or 3.23. Benefit 23 – Loss of Passport
due to any ownership or occupation of land or buildings i. What it covers
other than the occupation of any temporary residence. In the event that the passport belonging to the Insured Person
k. Any Claim arising out of the ownership, maintenance, use, is lost during the Insured Trip, the Company will reimburse
loading or unloading of motor vehicles, all other motorized the Insured Person, the actual expenses necessarily and
land conveyances, water craft or aircraft reasonably incurred in connection with obtaining a duplicate
l. Any Claim arising out of the use, sale, manufacture, or fresh passport.
delivery, transfer or possession by any person of a ii. Specific Exclusions applicable to Loss of Passport
controlled substance or contraband as defined by the The Company shall not be liable to make any payment under
appropriate authority or the Federal Food and Drug Agency this benefit in connection with or in respect of any expenses
or equivalent or similar organization whatsoever incurred by the Insured Person for:
m. Any exclusion mentioned in the 'General Exclusions' section a. Loss of the passport due to delay or confiscation or
of this Policy. detention by the customs, police or public authorities.
iii. Special Conditions applicable to Personal Liability: b. Loss of the passport due to theft unless it has been
a. The Company shall be responsible for contesting suits filed reported to the police within 24 hours of the Insured Person
in a Court of Law at the jurisdiction / destination mentioned becoming aware of the theft and a written police report
in the Insured Trip, Claims against the Insured Person and being obtained in that regard.
providing indemnity for damages, which the Insured Person c. Loss of the passport due to it being left unattended or
has to pay. For indemnity to be provided against damages, forgotten by the Insured Person in a public place or public
the damages must be payable under an acceptance of transport, hotel or apartment.
liability given or approved by the Company or under a
d. Loss or theft of the passport from a private place or from
judicial decision rendered by a Court of law.
a private vehicle, unless it was located in a locked hotel
b. If there is a legal action in process against the Insured room, apartment or locked vehicle, and forcible and violent
Person over a Personal Liability issue, the Company may entry was used to gain access to it.
conduct the legal action, including appointment of legal
e. Any exclusion mentioned in the 'General Exclusions' section
counsel, at the Company's expense in the name of the
of this Policy.
Insured Person at the Company's sole discretion.
iii. Special Conditions applicable to Loss of Passport
c. The Company will have the right, but in no case the
obligation, to take over and conduct in the name of the a. The reimbursement under this benefit shall not exceed the
Insured Person the defence of any Claim and will have full Sum Insured as specified in the Policy Schedule.
discretion in the conduct of any proceedings and in the b. The deductible in respect of this benefit will be applicable
settlement of any Claim and having taken over the defence for each separate claim, and shall be of an amount as
of any Claim, the Company may relinquish the same. specified in the Schedule.
d. In the event the Company, in its sole discretion, chooses c. All Incurred expenses must be supported by receipts.
to exercise its right in pursuance of this condition, no
action taken by the Company in the exercise of such right 3.24. Benefit 24 – Loss of International Driving License
will serve to modify or expand in any manner, what the i. What it covers
Company's liability or obligations under this Policy would In the event that the International Driving License belonging to
have otherwise been had it not exercised its rights under the Insured Person is lost during the Insured Trip, the Company
this Special Conditions. will reimburse the Insured Person, the actual expenses
e. Insured shall not ‘settle’ or ‘offer settlement’ or ‘compromise’ necessarily and reasonably incurred in connection with
on the liability without the consent and written consent of obtaining a duplicate International Driving License.

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 International Driving License shall mean International Driving f. Loss of debit/credit card directly or indirectly, caused by
License or International Driving Permit containing translations or contributed to by, or arising from ionizing radiation or
of a valid Driving License, which was issued by one of the three contamination by radioactivity from any source whatsoever.
authorities mentioned below: g. Loss of debit/credit card directly or indirectly, caused by
• Regional Transport Office (RTO) or contributed to by or arising from Nuclear weapons
• Western India Automobile Association material.
• Through International Traffic Control Association(ITCA) h. Loss or damage caused intentionally.
website i. Loss or damage arising out of contractual liability or
The Driving License should have been issued in the Country of agreement.
Residence or the country of which the Insured Person holds a j. Confiscation, nationalization, seizure or requisition by any
passport or citizenship. public authority
ii. Specific Exclusions applicable to Loss of International Driving k. Loss or damage due to wilful act or wilful negligence on the
License part of the Insured.
The Company shall not be liable to make any payment under l. Debit/credit card which has expired and not renewed by
this benefit in connection with or in respect of any expenses the Insured.
whatsoever incurred by the Insured Person for: m. Misuse of debit/credit card which has never been reported
a. Loss of the International Driving License due to delay or in spite of more than two misuses.
confiscation or detention by the customs, police or public n. Theft of debit/credit card from any car except car of fully
authorities. enclosed saloon type having at the time all the doors,
b. Loss of the International Driving License due to theft unless windows and other openings securely locked and properly
it has been reported to the police within 24 hours of the fastened.
Insured Person becoming aware of the theft and a written o. Any loss without any substantiation, mysterious
police report being obtained in that regard. disappearance or unexplained losses.
c. Loss of the International Driving License due to it being left p. Loss or damage occasioned by theft or dishonesty or
unattended or forgotten by the Insured Person in a public any attempt thereat committed by or where such loss or
place or public transport, hotel or apartment. damage has been expedited by or in any way sustained or
d. Loss or theft of the International Driving License from a brought about by:
private place or from a private vehicle, unless it was located • Any of the Insured’s family members.
in a locked hotel room, apartment or locked vehicle, and
• Any servant or traveller or messenger in the exclusive
forcible and violent entry was used to gain access to it.
employment of the Insured.
e. Loss of International Driving License that was past expiry
• Any customer or broker or their customer
date or validity period, or was due to expire within 10 days
from and including the date of loss of such License. q. Any exclusion mentioned in the 'General Exclusions' section
of this Policy.
f. Loss of International Driving License that was issued by
an authority other than the three authorities mentioned in 3.26. Benefit 26 - Emergency Cash Assistance
Section 3.24 sub-section i. i. What it covers
g. Loss of International Driving License for which the Insured The Company shall provide an assistance service when the
Person is not eligible for replacement and is required to Insured requires emergency cash, during a Policy Period
make a fresh application for a new International Driving arising out of the incidents like theft, burglary, robbery,
License. mugging, dacoity or fraud while on the Insured Trip covered
Any exclusion mentioned in the 'General Exclusions' section of hereunder. The Assistance Service Provider shall co-ordinate
this Policy. with the Insured’s/Insured Person’s relatives in India to provide
assistance in transferring emergency cash including Money
3.25. Benefit 25 - Fraudulent Charges (Payment Card Security)
transfer charges (if any) to the Insured as per his requirement,
i. What it covers but not exceeding the sum insured as specified in the Policy
The Policy will Indemnify the Insured against financial loss Schedule. The Company itself shall not be responsible for
incurred due to any misuse/ unauthorized transact ions providing such cash to the Insured.
affected by reason of loss/theft of an international Debit / For the purpose of this benefit, Emergency shall mean a
Credit card of the Insured during the Insured Trip. situation wherein the Insured losses all or a substantial amount
ii. Specific Exclusions applicable to Fraudulent Charges of his / her travel funds such that there is a detrimental effect
The Company shall not be liable to make any payment under on his / her travel plans. The onus of providing adequate proof
this benefit in connection with or in respect of any expenses of emergency in such case lies with the Insured.
whatsoever incurred by the Insured Person for: ii. Specific Exclusions applicable to Emergency Cash Assistance
a. Loss in respect of debit/credit card for which no FIR has The Company shall not be liable to make any payment under
been registered within 12 hours from the discovery of the this benefit in respect of the following:
incident. a. A shortage or loss of funds due to currency fluctuation,
b. Loss in respect of debit/credit card which remained errors, omissions, exchange loss or depreciation in value.
undiscovered for a period of more than seven days (168 b. Any loss not reported to the police having jurisdiction at
hours). the place of loss within 24 hours of the occurrence of the
c. Loss in respect of debit/credit card against which there are incident and a written report being obtained for the same.
any overdue bills or charges. c. Any claim in respect of a loss of traveller’s cheques not
d. Losses arising from transactions beyond the first three immediately reported to the local branches or agents of
fraudulent transactions. the issuing authority.
e. Losses recoverable from the vendor and/or card issuer, or d. Loss of funds not kept in the personal custody of the
any other liable party. Insured.

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 e. Any reimbursement under Emergency Cash Assistance is occurrence of Hole-in-One under this cover.
excluded if the claim is put up after arrival of the Insured to ii. Specific Exclusions applicable to Golfer’s Hole in One
the Republic of India.
The Company shall not be liable to make any payment under
f. Any exclusion mentioned in the 'General Exclusions' section this benefit in connection with or in respect of any expenses
of this Policy. whatsoever incurred by the Insured Person for:
3.27. Benefit 27 – Political Risk and Catastrophe Evacuation a. The Claim for achieving the Hole in One by an Insured who
i. What it covers is a professional. The Insured being member of The Indian
Golf Union or United States Golf Association or any other
The Company will pay to Insured, up to the sum as specified in
equivalent Golf Sports body.
the Policy Schedule, compensation towards the cost of either:
b. Hole in One achievement that is not certified so by the
a. Travel expenses for returning to India, up to the cost of an
officials of the professional Golf Course along with an
economy class air ticket or
official witness from the side of the Golf Course at which the
b. Travel expenses to reach the nearest place of safety up to Hole in One is achieved. The witness shall not be a relative
the cost of an economy class air ticket, and reasonable or a known person to the Insured.
accommodation expenses, as incurred, up to a maximum
of USD 300 per day for a maximum of 7 days, 3.29 Benefit 29 - Adventure sports
If, during the Insured Trip: i. What it covers
• Officials in the current Destination Country, recommend Notwithstanding Exclusion number xlvi listed under the ‘General
that certain categories of persons, which include the Exclusions’, if the Cover for Adventure Sports is available as
Insured, should leave the country per the Plan selected by the Insured and is reflected so in the
Policy Schedule, then the cover is provided as below. The Sum
• Insured is expelled from or declared persona non grata
Insured, for the Adventure Sports related Claims, is limited to
in the current Destination Country, or
the respective Benefit- level Sum Insured as per the Schedule,
• A Natural Catastrophe has occurred in the current and shall not result into any increase in Sum Insured of the
Destination Country, necessitating his immediate respective Benefit.
evacuation in order to avoid risk of personal Injury or
The Company shall pay to the Insured Person, compensation
Illness to himself.
under Benefits 1, 2 and 3 mentioned under this Policy, for any
ii. Specific Exclusions applicable to Political Risk and Injury sustained by the Insured person during the Policy Period
Catastrophe Evacuation as a result of the Insured's participation in the below Adventure
This benefit does not cover any other loss, directly or indirectly, Sports (including for the purpose of pilgrimage), provided that
in whole or in part, including loss caused by or resulting from: the claim meets all other terms and conditions mentioned
a. Insured violating the laws or regulations of the Destination under these benefits.
Country from which he is to be evacuated. a. Zip Lining
b. Failure to produce or maintain immigration, work, residence b. Bungee Jumping
or similar visas, permits or other documentation. c. Parasailing
c. Failure to honour any contractual obligation or bond or to d. Water Scooter rides
obey any conditions in a license.
e. Speed Boat rides (not as a operator)
d. Insured being a national of the country from which he is to
f. Rafting
be evacuated.
g. Scuba Diving
e. Claims arising out of an event which is already existing and
known to the Insured, or reasonably predictable before h. Snorkelling
Insured’s arrival to the Destination Country where the event I. Trekking
takes place. j. Biking including Cycling and Motor Biking
f. Where the Insured has travelled against the travel advisory k. Hot Air Ballooning (Tethered)
issued by a public authority especially but not limited to
l. All Terrain Vehicle tours
the WHO, United Nations, the Government of India or the
Government/Public Authority of the Destination Country. m. Personal Light Electric Vehicle (Segway/PLEV) tours
g. Any expenses that the Insured can get back from any tour n. River Canoeing/Kayaking
operator, airline, hotel or other provider of services. ii. Specific Exclusions applicable to Adventure Sports
h. Any claim resulting from the Insured travelling against the The Company shall not be liable to make any payment under
advice of the appropriate national or local authority. this benefit in connection with or in respect of any expenses
i. Any exclusion mentioned in the 'General Exclusions' section whatsoever incurred by the Insured Person for:
of this Policy. a. Under influence of Alcohol / Narcotics or any Hallucinates:
Participation in any Adventure Sports whilst being under
3.28. Benefit 28 – Golfer’s Hole in One
influence of Alcohol or any other narcotic drugs or abuse of
i. What it covers prescription drugs or any hallucinates
The Company shall reimburse expenses incurred in celebration b. Certain Medical Condition or Treatments: Whilst being
of achieving a hole-in-one by the Insured during the Policy under any medication or treatment which slows down
Period whilst being in the Insured Trip at a United States response and alertness or makes the insured person unfit
Golfers Association (USGA) recognised golf course. Celebration for participating in such sports
expenses included cost of one round of celebratory drinks.
c. Against medical or expert advice: Participation against
Company's liability relating to this benefit shall in no case
Medical Advice or against the advice of the professional
exceed the Sum Insured as specified in the Policy Schedule.
instructor or any representative of the Adventure Sport
Hole in One means a score of 1 in the game of Golf. It occurs Centre or Organiser.
when the ball hot from a tee to start finishes in the cup. A ball
d. Instruction: Insured Person going against instructions,
hit from a tee following a lost ball, out of bounds or water
guidelines or rules of participation issued by the Adventure
hazard is not a hole in one. The insured is covered for one

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 Sport Centre or Organiser 2 Bungee 1. Bungee Jumping operations are
e. Professional participation: Any participation in a semi Jumping carried out in conformation to the
professional or professional capacity AS/NZS 5848:2000 guidelines or
f. Non listed Adventure Sports: Participation in any other its equivalent, if any, issued by
Adventure Sports not listed under the above sub-section i government in the destination city
of this Benefit Jurisdiction.
g. Pre Existing Injury: If the Insured is suffering from a Pre 2. Participation during night times
Existing Injury that limits their participation in the selected (after local sunset) or low visibility
Adventure Sports conditions are not covered.
h. Certain Age Limits: Regardless of the Age definition (refer 3 Parasailing 1. Parasailing wing and Harness must
Entry Age under General Conditions), Insured is aged have been certified by reputed
above 55 year or if the Insured is less than 14 years. organisation like the APCUL
(Association des Constructeurs
i. Pregnant Women: If the Insured is already pregnant as on
de Parapente Ultra Legers), DHV
the date when the Insured undertook participation
(Deutscher Hangegleiter Verband),
j. Weather Conditions: If there is a public weather advice or CEN (European Committee for
prevailing weather conditions which are not suitable for Standardization) or any certification
undertaking participation in such activities. recognised by FAI (Fédération
k. Within 2 weeks of hospitalisation: Participation in any Aéronautique Internationale).
Adventure Sports within 2 weeks or before the end of 2. Parasail drivers / instructors to be
recouping period as per the advice by the attending certified in Power Boat Handling
Physician, whichever is maximum. from recognised organisation like
l. Swimming: Participation in any water based Adventure the Royal Yachting Association
Sports without knowledge of swimming by the Insured. or its equivalent and in First Aid
/ Cardiopulmonary resuscitation
m. Unguided Participation or Untrained Guides: Participation
(CPR) techniques from appropriate
in any Adventure Sports which is undertaken without
recognised organisation
direct supervision of a professionally trained guide for that
specific Adventure Sports. 3. Participation during night times
(after local sunset) or low visibility
n. Uncertified Centres / Organisers: Participation in any
conditions are not covered.
Adventure Sports which is undertaken at a Centre or under
an Organiser who do not have required certifications as 4 Water Scooter 1. The instructors to be certified
per the rules of the prevailing Jurisdiction or internationally rides or in Power Boat Handling from
accepted norms. Personal recognised organisation like the
Watercraft Royal Yachting Association or
o. Purpose of the Trip: If the purpose of Insured Trip is to
its equivalent and in First Aid /
undertake Adventure Sports activity or obtain training for
Cardiopulmonary resuscitation
Adventure Sports activity, or more then 50% of Policy Period
(CPR) techniques from appropriate
is spent undertaking the Adventure Sports activity.
recognised organisation
p. Night time participation: Participation in the Adventure 2. Equipment was to be certified by
Sports after local sunset at the Destination City. reputed institutions like the APCUL
iii. Special Conditions applicable to Adventure Sports (Association des Constructeurs
The Company shall make any payment under this benefit on de Parapente Ultra Legers), DHV
adherence of below conditions: (Deutscher Hangegleiter Verband),
CEN (European Committee for
Sr. no Activity Conditions Standardization) or any certification
recognised by FAI (Fédération
1 Zip Lining 1. The participants must wear
Aéronautique Internationale).
helmet and prescribed Personal
Protection Equipment consisting 3. Participation during night times
of rock climbing sit harness, (after local sunset) or low visibility
Additional Chest Harness with conditions are not covered.
two point attachment to the safety 5 Speed Boat 1. The instructors to meet the
systems confirming to the Union rides (not as a applicable Maritime Standards to
International de Alpine Association operator) operate the type of vessel and the
(UIAA) or EN/Conformité limits they operate in.
Européenne (CE) standards or ISI 2. The vessel is also to meet the
2. Only zip liners with arrival Speed appropriate Maritime Standards
lesser than 50 KpH or 31 miles per as applicable. The Crew Ratios
hour are covered under this Policy must also be complied with the
3. Only zip line courses having lesser applicable Maritime Standards.
than 20% of the course distance 3. No rides beyond the coastal waters
over a water body like river, lake is of the destination Jurisdiction
covered under this Policy. would be covered.
4. The course should be designed
and operated in confirmation to
European Standards EN15567-1:
2015

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 6 Rafting 1. Helmet and Lifejackets must be 3. Maximum distance to be covered
worn by the participants at all times per day is 60 Kilometres from the
during the rafting activity. previous starting point. No cycling
2. Rafting activity should be only on after the local sunset is covered.
area falling under Grade I and 4. Helmets and the other prescribed
Grade II of International Scale of safety equipments of quality
River Difficulty, also known as White recognised by international
Water Scale agencies like the ISI to be used by
3. The guide must be certified in the Cyclists.
First Aid / Cardiopulmonary 11 Motor biking 1. Off road, mountain biking above
resuscitation (CPR) techniques 3500 metres and professional /
from appropriate recognised semi professional racing / rallies is
organisation and must be not covered.
certified as a White Water Rescue 2. Biking expeditions to be
Technician from appropriate undertaken as a part of group
institutes. and under supervision of a
7 Scuba Diving 1. The Dive Master and the Diving guide qualified to do so under
Instructor must be holding requisite regulations as applicable under
qualification from international the Destination jurisdiction. The
associations like the PADI, NAUI, guide must be certified in First Aid
CMAS etc / Cardiopulmonary resuscitation
2. Equipment used should be certified (CPR) techniques from appropriate
by appropriate agencies and of recognised organisation. Minimum
high quality group size is 7.
3. Diving more than 20 metres or 3. Maximum distance to be covered
within 24 hours before a flight per day is 240 Kilometres from the
journey are not covered starting point.
8 Snorkelling 1. The activity to be undertaken under 4. Helmets and the other prescribed
guidance of experienced and safety equipments of quality
qualified guides / supervisors only. recognised by international
No solo activity is covered. agencies like the ISI to be used by
the Motorcyclists.
9 Trekking 1. If mountainous terrain is 5. The expedition to be supported
included, maximum altitude that by an accompanying logistic truck
is covered under this Policy is with first aid, supplies and spares
5500 metres above the mean to be accompanying the group at
sea level. Any climb above 3500 all times.
meters of altitude without proper
6. Having a driving licence applicable
acclimatisation is not covered.
for Jurisdiction, Route and Type of
2. No skiing, rock climbing or pot vehicle to be used is compulsory.
holing is covered under trekking. Knowledge of operating bikes used
Steep paths requiring ropes and for the expedition is compulsory.
chains or similar mountaineering
7. Motor bikes used must be suitable
equipments are not covered.
and fit for the route planned.
3. Trekking to be undertaken as a part
8. A local motor insurance and
of group and under supervision of
permits to conduct the expedition
a guide qualified to do so under
in the selected route (if any) is
regulations as applicable under
compulsorily arranged prior to the
the Destination jurisdiction. The
trip.
guide must be certified in First Aid
/ Cardiopulmonary resuscitation 12 Hot Air 1. The Balloon to be operated by
(CPR) techniques from appropriate Ballooning a person having Hot Air Balloon
recognised organisation. Licences issued by respective Civil
Aviation Authority or its equivalents
10 Cycling 1. Off road, mountain biking above
as applicable to the destination
3500 metres and professional /
city jurisdiction. The minimum
semi professional racing / rallies is
experience required is 5 years.
not covered.
2. The hot air Balloon used for the
2. Cycling to be undertaken as a part
expedition should have certified
of group and under supervision of
as "Airworthy" by respective Civil
a guide qualified to do so under
Aviation Authority.
regulations as applicable under
the Destination jurisdiction. The 3. Only tethered hot air ballooning is
guide must be certified in First Aid covered under the Policy.
/ Cardiopulmonary resuscitation
(CPR) techniques from appropriate
recognised organisation. Minimum
group size is 7.

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 13 All Terrain 1. The guide overseeing the actions or consequence of actions committed whilst being
Vehicle tours operations should have been under the influence of drugs, alcohol, or other intoxicants or
certified on driving training course hallucinogens unless properly prescribed by a Physician and
either from the European ATV safety taken as prescribed.
institute or the All Terrain Safety vii. HIV, AIDS and related conditions: Any claim arising out of
Institute. mental disorder, anxiety, stress, depression, venereal disese
2. The participants must be wearing or any loss, directly or indirectly, attributable to HIV (Human
prescribed protective equipments Immuno Deficiency Virus) and/or any HIV related illness
of recommended quality such including AIDS (Acquired Immuno Deficiency Syndrome) and
as (not limited to) helmets, face / or any mutant derivative or variations thereof howsoever
shields, goggles, protective gloves caused.
and footwear and clothing as viii. Suicide and Self harm: Any Claims arising from Suicide,
recommended for the operation of attempted suicide or intentional self-Injury or Illness; wilful
the ATV or quad bikes. exposure to dangerous situations which can result in serious
3. The participants must have driving injury or death, except where such actions are performed to
experience of motorbikes or cars save human life.
for at least 3 years. ix. War clause: Any loss directly or indirectly arising out of or
14 Personal Light 1. The equipment used is of a directly or indirectly connected with or traceable to riot,
Electric Vehicle recognised make like the Segway strike, War, civil war, invasion, insurrection, revolution, act
(Segway/P LEV) and is properly maintained as of foreign enemy, hostilities (whether War be declared or
tours per the requirement laid by the not), revolution, rebellion, mutiny, use of military power or
manufacturer. usurpation of government or military power, seizure, capture,
2. Rides in slopes, loose stones, arrests or actions of Police or the armed forces, restraints and
and mountainous terrain are not detainments of all Kings, Princes and people of whatsoever
covered. nation.
3. The participants must be wearing x. Strike, Protest and similar events: Any loss directly or indirectly
prescribed protective equipments arising out of or directly or indirectly connected with or traceable
of recommended quality such as to an actual or attempted felony, protest (peaceful or otherwise),
(not limited to) helmets, footwear riot, strike, crime, misdemeanour or civil commotion.
and clothing as recommended for xi. Crew Members and Training to operate Aircraft: Operating or
the operation of the PLEV. learning to operate any aircraft, or performing duties as a crew
member of any aircraft or Scheduled Airlines
Section-4 General Exclusions (Applicable to all the
Benefits under this Policy): xii. Terrorism: Any act of terrorism which means an act, including
but not limited to the use of force or violence and/or the threat
Without prejudice to anything contained in this Policy, the Company
thereof, of any person or group(s) of persons, whether acting
shall not be liable to make any payment in respect to losses arising
alone or on behalf of or in connection with any organization(s)
directly or indirectly from any of the following, regardless of any other
or government(s), or unlawful associations, recognized under
cause or event contributing concurrently or in any other sequence to
Unlawful Activities (Prevention) Amendment Act, 2008 or
the loss:
any other related and applicable national or state legislation
i. Claims Occurrence Date: Any Claim relating to events formulated to combat unlawful and terrorist activities in the
occurring before the commencement of the Policy (i.e. before nation for the time being in force; committed for political,
the Policy Period) or otherwise outside of the Policy Period. religious, ideological, or ethnic purposes or reasons including
ii. Pre-Existing Diseases and related Complications: Any Claim the intention to influence any government and/or to put the
relating to any Pre-existing Disease or complications thereof. public, or any section of the public, in fear.
iii. Medical Travel: Treatment abroad if that is the sole reason or This exclusion also includes loss, damage, cost or expense of
one of the reasons for the Insured Person's temporary stay whatsoever nature directly or indirectly caused by, resulting
abroad. from or in connection with any action taken in controlling,
iv. Travel Purpose and Health conditions of the Insured: Any preventing, suppressing or in any way relating to the above.
claim if the Insured Person under the following conditions: xiii. Nuclear and Ionizing Radiation: Any claim arising from
a. Has undertaken the Insured Trip against the advice of a damage to any property or any loss or expense whatsoever
Physician or Medical Practitioner. resulting or arising from or any consequential loss, directly or
indirectly, caused by or contributed to or arising from:
b. Is presently undergoing or waiting to receive, specified
medical treatments as per the advice of a Physician or a. Use of nuclear weapons material
Medical Practitioner. b. Ionizing radiation or contamination by radioactivity from
The nature of such treatments is such that either: any nuclear fuel or from any nuclear waste from the
combustion of nuclear fuel or
• It would normally prevent the Insured from undertaking
the Insured Trip ; or c. The radioactive, toxic, explosive or other hazardous
properties of any explosive nuclear assembly or nuclear
• It is reasonably foreseeable as requiring continued or component thereof.
emergency treatment during the Insured Trip
Combustion shall include any self-sustaining process of
c. Has received terminal prognosis for a Medical Condition nuclear fission
before undertaking the Insured Trip.
xiv. Biological and Chemical weapons: Dispersal, release or
d. Is travelling to take part in a naval, military or air force application of pathogenic or poisonous biological or chemical
operation. materials.
v. Deductible: Any Claim amount lesser than the Deductibles as xv. Races and Rallies: Any claim arising out of participation of the
specified in the Policy Schedule. Insured in riding or driving in race or rallies
vi. Alcohol, drugs and Intoxicants: Any Claim arising out of xvi. Manual and Hazardous work: Losses arising directly or

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 indirectly from manual work or hazardous occupation, statements, false declaration or non-disclosure on the nature of the
selfexposure to needless peril (except in an attempt to save health conditions of the Insured Person or on any other material
human life), or if engaging in any criminal or illegal act. issues affecting acceptance of the Policy by the Company or the
xvii. Congenital Internal Conditions: Congenital internal anomalies terms thereof, is detected by the Company, this Policy shall remain
or any complications or conditions arising there from. cancelled ab-initio with the full premium paid by the Policyholder
retained by the Company.
xviii. Degenerative diseases: Osteoporosis (porosity and brittleness
of the bones due to loss of protein from the bones matrix) i. Before the commencement of the Insured Trip and or at the
or pathological fracture (any fracture in an area where pre- start of the Policy Period the Insured Persons are fit to travel as
existing Disease has caused the weakening of the bone) per their recent and present health conditions.
xix. Driving Motorised Vehicles without Driving Licence: Losses ii. As the commencement of the Insured Trip, the Insured shall
arising from Accidents as a driver on motorized vehicles unless not be facing any of the following conditions that affect the
at the time of the Accident the Insured is in possession of a person’s ability to take up the Insured Trip:
current full international driving licence and while riding a two a. Advice from a Physician or Medical Practitioner who has
wheeler is wearing a safety crash helmet. medically checked the health condition of the Insured
xx. Sanctions clause: Any Claim or benefit hereunder to the has given any advice, statement or certificate to avoid or
extent that the provision of such cover, payment of such Claim, postpone or modify the travel or the Insured Trip
or provision of such benefit would expose the Company to b. Is presently undergoing or waiting to receive, specified
any sanction, prohibition or restriction under United Nations medical treatments as per the advice of a Physician or
resolutions or the trade or economic sanctions, laws or Medical Practitioner. The nature of such treatments as such
regulations of India, the European Union, United Kingdom or that these normally prevents the Insured from undertaking
United States of America. Insured Trip
xxi. Adventure and Winter Sports: Participation in winter sports, c. Has received terminal prognosis for a Medical Condition
skydiving/parachuting, hang gliding, bungee jumping, before undertaking the Insured Trip
scuba diving, mountain climbing (where ropes or guides are iii. This Policy shall not cover any claims arising directly or indirectly
customarily used), caving or pot-holing, hunting or equestrian from any Pre-Existing Disease affecting the Insured Person.
activities or any sport involving animals, skin diving or other
underwater activity, rafting or canoeing involving white water Section-6 General Conditions
rapids, yachting or boating outside coastal waters (2 miles), The Conditions mentioned herein shall affect all the Benefits of this
including where any such activity is taken up for the purpose Policy.
of pilgrimage. Where the plan opted includes adventure sports i. Entry Ages: Minimum and Maximum age of the Insured Person
benefit, this exclusion shall be waived only to the extent of shall be 3 months up to 65 years
coverage mentioned under Section 3.29 Benefit 29 - Adventure
sports. ii. “Individual” vs. “Family” Policies: Based on family coverage,
the Policy can be either an “Individual” Policy or a “Family”
xxii. Maternity, Child Birth and related conditions: Conditions Policy. This will be displayed in the Policy Schedule.
related pregnancy, miscarriage, child birth or any complications
thereof, any treatment for infertility birth control including any In case of “Individual” policies, the Sum Insured against the
surgical procedures and devices. This does not be applicable Benefits are available separately for each and every individual
for ectopic pregnancy that is diagnosed as Life Threatening that are Insured under the Policy. The relationships (with the
Medical Condition by the Medical Practitioner. Insured) and the age criterions are same as explained below
for the “Family Plan”.
xxiii. Breach of law: Any claim arising or resulting from Insured
Person committing any breach of law with or without criminal In case of the Insured and Insured Person's Family being
intent. insured under "Family Plan ", the minimum age of the Insured
Person shall be 3 months and maximum age shall be 65 years.
xxiv. Exclusion specific to the policy: Any claim arising out of sporting Under Family Plan, the maximum persons that may be covered
activities in so far as they involve the training or participation under a Policy shall be 4 inclusive of the Insured and his/her
in competitions of professional or semiprofessional sports lawful spouse and maximum of two (2) dependent children
persons. below the age of 21 years.
xxv. Consequential Losses and Legal Liabilities: Any Consequential In case of family plans, the sum insured is floating on the
Loss or any Legal Liability arising due to the any of the reasons entire family members, except in case of Benefits 4, 5, 15, 16,
covered under Section 3 Scope of Coverage: is excluded under 17, 18, 22, and 27 where the sum insured is applicable either
this Policy. separately to each and every Insured Person of the family, or
xxvi. Complementary and Alternative Medicine (CAM): CAM for proposer as specified in the table below:
includes, but is not limited to the below areas of medicine:
Sr. No. Benefit Sum Insured
• Traditional alternative medicine: like Acupuncture,
basis for
Ayurveda, Homeopathy, Naturopathy, Chinese or Oriental
Family
medicine, Herbal medicine
• Manual manipulation: like Chiropractic and osteopathic 1 Medical Expenses Including Floating
medicine, Massage, Body movement therapies, Tai chi, Transportation, Evacuation And
Yoga Repatriation of Mortal Remains
• Energy therapies: like Electromagnetic therapy, Magnetic 2 Dental Treatment Floating
Field Therapy, Reiki, Qigong, Therapeutic (“Healing”) Touch 3 Daily Allowance In Case Of Floating
• Mind and Sensory healing: like Meditation, Biofeedback, Hospitalization
Hypnosis, Art, dance and music, Visualization and guided 4 Personal Accident Individual
imagery
5 Accidental Death – Common Carrier Individual
Section-5 Insured’s Health Condition Requirements
6 Reinstatement of SI in case of Floating
Insured shall comply with the following conditions in order to have Accidental Hospitalization
full protection under this policy. If any fraud, misrepresentation, false
7 Trip Cancellation Floating

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 8 Trip Delay Floating Insured Trip subject to a cancellation fees of Rs.100/-.
vii. Modification prior to the Insured Trip: Modifications to Policy
9 Trip Interruption Floating
prior to the commencement of the Insured Trip are however
10 Missed Connections Floating permitted under the Policy based on written request from the
11 Total Loss Of Checked In Baggage Floating Insured and at the discretion for the Company. The difference in
the Premium, if any, before and after such modification shall be
12 Delay Of Checked In Baggage Floating charged or refunded to the Policyholder, as the case maybe.
13 Bounced Bookings of Airlines and Hotel Floating viii. Precautions: The Insured / Insured shall take all reasonable
14 Up-gradation to Business Class Floating precautions to prevent Illness and /or Injury in order to minimize
Claims. Failure to do so will prejudice the Insured Person's
15 Lounge Access Individual
Claim under this Policy.
16 Home Burglary Insurance (In Indian Rs) Only for ix. Information about the Insured Trip: The Insured Person shall
proposer provide the Company with the details of the Insured Trip and
17 Fire Cover for Building (Home in India) Only for other information as may be required by the Company from
proposer time to time.
18 Fire Cover for Contents (Home in India) Only for x. Claim Basis: The payment of Benefits under this Policy is limited
proposer to the Sum Insured, and shall be made on the following basis:
19 Compassionate Visit Floating Sr. No. Benefit Claim Basis
20 Return of Minor Child Floating 1 Medical Expenses Including Indemnity
21 Personal Liability Floating Transportation, Evacuation And
Repatriation of Mortal Remains
22 Hijack Distress Allowance Individual
2 Dental Treatment Indemnity
23 Loss of Passport Floating
3 Daily Allowance In Case Of Benefit
24 Loss of International Driving License Floating
Hospitalization
25 Fraudulent Charges (Payment Card Floating
4 Personal Accident Benefit
Security)
5 Accidental Death – Common Carrier Benefit
26 Emergency Cash Assistance NA (Service)
6 Reinstatement of SI in case of Indemnity
27 Political Risk and Catastrophe Floating
Accidental Hospitalization
Evacuation
7 Trip Cancellation Indemnity
28 Golfer’s Hole in One Floating
8 Trip Delay Indemnity
29 Adventure Sports Floating
9 Trip Interruption Indemnity
iii. Extension of the Policy Period: The maximum number of 10 Missed Connections Indemnity
travel days under a Single Trip that may be insured, under
the Policy, shall be 182 days. Provided that the Policy may be 11 Total Loss Of Checked In Baggage Indemnity
extended only once during the Trip Duration on the request of 12 Delay Of Checked In Baggage Indemnity
the Policyholder and at the sole discretion of the Company,
13 Bounced Bookings of Airlines and Hotel Indemnity
by collecting additional premium. Provided further that for an
Insured Person being up to the age of 65 years, the maximum 14 Up-gradation to Business Class Indemnity
Trip Duration (including any extension provided) shall not 15 Lounge Access Service
exceed 365 days in total. The request for such extension must
be received by the Company before the expiry of the original 16 Home Burglary Insurance (In Indian Rs) Indemnity
Policy Period. 17 Fire Cover for Building (Home in India) Indemnity
iv. Pre-Conditions for Extension: Extension of the Policy during 18 Fire Cover for Contents (Home in India) Indemnity
the Trip Duration shall be done only once at the sole discretion
19 Compassionate Visit Indemnity
of the Company. The Insured Person shall submit a declaration
letter clearly mentioning the claims filed during the original 20 Return of Minor Child Indemnity
Policy Period and also that he / she is unaware of any existing 21 Personal Liability Indemnity
health condition which could result in a claim during the
extension period. 22 Hijack Distress Allowance Benefit
The extension of any Policy is at the sole discretion of the 23 Loss of Passport Indemnity
Company, and the Company is not liable to offer any reason to 24 Loss of International Driving License Indemnity
the Insured Person if the Policy is not extended.
25 Fraudulent Charges (Payment Card Indemnity
v. No extension for Policy with Claims: A Policy may not be Security)
extended if a Claim is already filed by the Insured /Insured
Person. If the Insured Person fails, either knowingly or 26 Emergency Cash Assistance Assistance
unknowingly, to declare the Claims filed or the Claims that Services
are to be filed under the original Policy, then any extension of 27 Political Risk and Catastrophe Indemnity
the Policy if granted shall be deemed to be invalid abinitio. No Evacuation
refund of premium will be given in case of extensions is so 28 Golfer’s Hole in One Indemnity
invalidated. The Company will also not be liable to pay any
Claim filed under the extended Policy. 29 Adventure Sports Indemnity
vi. Early Termination or Cancellation: No Premium shall be xi. Operation of Deductible: Deductible will be charged for each
refunded in case of early termination or cancellation of the separate incident reported for Claims payment, even though
Policy after the commencement of the Insured Trip. However, the Claim may be registered under the same Benefit more than
cancellations are permitted prior to the commencement of the once.

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 xii. Making a claim: Company and the Company shall appoint an independent
What to do in case of an emergency: surveyor to assess the loss.
a. The Insured Person shall immediately contact the Help Line xiv. Claim Documentation
of Emergency Assistance Service Provider stating necessary What are the documents required to be submitted for a Claim?
details. The details of phone numbers and Help Line are a. The original ticket / boarding pass and a copy of the
given in the Policy Schedule attached to this Policy. passport indicating the travel dates must be submitted with
b. The Insured Person needs to contact the Help Line number every claim, along with the completed claim form.
while abroad as soon as possible and inform in case the b. Original bills / vouchers / reports and discharge summary
Insured Person is/will be filing any Claim, even if assistance must be submitted along with all claims. If the Emergency
is not required. The Company will not be liable to pay any Assistance Service Provider or the Company request that
Claim that has not been informed by the Insured Person bills / vouchers in a foreign language be accompanied by
while being abroad to the Help Line an appropriate translation then the costs of such translation
c. The Help Line of the Emergency Assistance Service Provider must be borne by the Insured Person.
will verify the identity of the caller by asking appropriate c. The below table shows the specific documents required
information. by each cover. The list shown below is the minimum
d. In the event of an Illness / Injury where it is not possible requirement and depending upon the specifics of the
contact the Help Line before consulting a Physician or Claims, the Company reserves the right to require more
going to the Hospital, the Insured Person shall contact the documents:
Help Line as soon as possible. In either case, when being
admitted as a patient, the Insured Person shall show the Benefit Documents to be submitted while
concerned Physician or personnel this Policy. registering a Claim
e. In case financial emergency assistance is required, the Medical and 1. Claim form duly filled and signed along
Insured Person shall immediately contact the Help Line Accident Covers with attending Medical Practitioner
of the Emergency Assistance Service Provider stating statement.
the details of his / her Policy along with the police report 2. Policy Copy
containing the passport number and a written statement 3. Covering letter with detail narration
narrating the incident of loss i.e. causes, circumstances of the loss with dates and expenses
and the place. Failure to do so may prejudice the Insured / incurred.
Insured Person's claim. 4. Complete set of Medical records,
f. In case of Hijacking, the fact of the incident having occurred investigation reports and discharge
should be confirmed by police authorities. The police report summary issued by the hospital and/or
should contain details such as the passport number of the prescriptions and medical records from
Insured Person, the period of hijack, etc. In rare cases, the the medical practitioner furnishing the
Company may consider other supporting documents such name of the insured, period of treatment
as a report issued by the airlines, newspaper reports, TV and details of treatment rendered i.e.
and other media coverage with regard to the particular line of treatment and final diagnosis.
hijacking incident. 5. Original hospital bills with itemized
xiii. Claims Settlement: description of charges for the services
rendered and original payment receipts
After intimating a claim:
towards expenses incurred.
a. If the procedure stated above is complied with, Emergency 6. Attending Surgeon’s/Medical
Assistance Service Provider, as the case may be, will Practitioner’s recommendation advising
guarantee to the Hospital / other providers the costs of hospitalization.
hospitalisation, transportation for emergency services,
7. Name, Address and Phone number of
transportation home of the Insured Person including
the local medical officer/family physician
accompanying person, if any, and provide financial
in India.
emergency assistance to the Insured Person. All costs will
be directly settled by Emergency Assistance Service Provider 8. Copy of Air tickets and boarding passes
on the Company's behalf and the same shall constitute for the sector travelled.
due discharge of the Company's obligations hereunder 9. Copy of passport, visa with exit and
entry stamp.
b. If the Hospital / other providers do not accept the guarantee
of payment from Emergency Assistance Service Provider, 10. And any other document as may be
the Company cannot be held liable for the same. The cost appropriately applicable for the claims
will then have to be borne by the Insured Person and the preferred under this section of the Policy
same will then be reimbursed by the Emergency Assistance 11. Cancelled cheque of the insured /
Service Provider / the Company on submission of required nominee
documents. Please note: Treatment taken on
c. Reimbursement of all claims (except claims under Financial different dates for separate ailments will
Emergency Assistance) will be made by the Emergency be treated as separate claims. The claim
Assistance Service Provider / the Company in Indian forms should clearly indicate the same
Rupees on the Insured Person's return back to the Republic and supporting documents should be
of India, at the exchange rate specified by the Reserve provided for each one. Deductible will
Bank of India, as applicable on the date the amount is apply to each claim separately.
billed. Claims under Financial Emergency Assistance shall
be settled / arranged directly to the Insured Person, whilst
abroad, by the Emergency Assistance Service Provider.
d. In case of claim under home burglary insurance, the
loss shall be reported to the Police and intimated to the

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 Dental Treatment 1. Original Claim form duly filled and Medical 1. Complete set of Medical reports
Expenses signed Evacuation (Presenting complain, Diagnosis,
2. Complete set of Dental Records Treatment given, Discharge condition
(Presenting complain, diagnosis, etc.) and transportation details issued
treatment given, In case of by the evacuation agency, prescriptions
hospitalization discharge summary if and medical report by the attending
any.) All the test reports and Xray reports Medical Practitioner furnishing the
3. Prescription from the doctor name of the Insured Person and details
of treatment rendered along with the
4. Policy Copy
statement confirming the necessity of
5. Name, address, contact no, e-mail id of
evacuation;
the Local Medical Officer (LMO)/ Dentist
2. For reimbursement of extra expenses of
in India Invoices (itemized) and Original
transportation of Insured Person to the
bills description of charges for the
Republic of India, a medical statement
services rendered and original payment
from a registered Physician indicating
receipts towards expenses incurred.
the cause of illness and the necessity of
6. Copy of passport visa with exit stamp
transportation needs to be submitted.
from India and entry stamp Overseas.
Medical statements from spouses/
7. Covering letter with detail narration relatives will not be accepted.
of the loss with dates and expenses
3. Documentary proof for all expenses
incurred.
incurred towards the Medical Evacuation
8. Cancelled cheque leaf of the insured / (detailed bifurcation of the charges)
Nominee
4. Claim Form duly filled in and signed
Repatriation of 1. An official death certificate and a 5. Copy of policy.
Remains physician's statement (death summary) 6. Copy of passport with visa exit stamp
giving the cause of death, needs to be from India and entry stamp to overseas
submitted. Medical statements from
7. Covering letter detailing circumstances
spouses/ relatives will not be accepted.
8. Cancelled cheque of the insured /
2. Copy of the postmortem certificate, if
nominee
conducted;
3. Clearance from the Indian Consulate. Daily Allowance in 1. Discharge summary with patient name,
(Also providing details of the place, date, Case of diagnosis, admission details and
time, and the circumstances and cause Hospitalization treatment details
of death; ) 2. Cancelled cheque of the insured /
4. In case of Accidental Death, Police nominee
reports and post mortem report. Note- Day' in the above means, a period
5. Documentary proof for expenses of 24 continuous hours.
incurred towards disposal of the Personal Accident- 1. Police report in original if the accident
mortal remains including the name of Accidental Death shall have taken in the public place or
the airlines, burial details, expenses & Accidental premises
incurred, other incidental cost with Death – Common 2. Death Certificate clearly stating the
bifurcation of expenses. Carrier reason of death
6. In case of transportation of the body 3. Post Mortem Report (In case of death)
of the deceased to the Country of 4. Detailed Sequence of events
Residence or Place of Residence, the
5. Medical records giving the details of
receipt for expenses incurred towards
accident, nature of injury(in case of
preparation and packing of the mortal
hospital visit)
remains of the deceased and also for
the transportation of the mortal remains 6. Medical report from the attending doctor
of the deceased. 7. Valid ticket or certificate from the
7. Quotation or estimate of repatriation Common Carrier establishing the
cost Insured Person’s bonafide travel in the
affected Common Carrier at the time of
8. Claim Form dully filled and signed by
the Accident.
nominee.
8. Claim Form duly filled in and signed
9. Copy of policy Certificate
9. Copy of policy Certificate
10. Copy of passport with visa exit stamp
from India and entry stamp to overseas 10. Depending upon the complexity of the
case, additional documents/information
11. Invoices (Itemized) and money receipts
may be called for.
in original for the amount claimed.
11. Covering letter.
12. Copy of Cancelled Passport
12. Cancelled cheque of the insured /
13. Covering letter detailing circumstances
nominee.
14. Cancelled cheque of the insured /
nominee

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 Permanent Total 1. Police report in original if the accident 12. In case of illness, injury or death of
Disability (PTD) & shall have taken in the public place or a travelling companion, the original
Permanent Partial premises tickets of the Insured and the travelling
2. Detailed Sequence of events companion indicating travel to the same
Disablement (PPD)
3. Medical records giving the details of destination on the same dates. It should
accident, nature of injury(in case of contain the Passport number of the
hospital visit) Insured and period.
4. Certificate of disability from civil 13. Copy of the economy class air ticket
surgeon in India or any other equivalent issued by the Common Carrier indicating
recognized doctor authorized by state the cost the ticket.
government. 14. In case of illness, injury or death of
5. Valid ticket or certificate from the a travelling companion, the original
Common Carrier establishing the tickets of the Insured and the travelling
Insured Person’s bonafide travel in the companion indicating travel to the same
affected Common Carrier at the time of destination on the same dates. It should
the Accident. contain the Passport number of the
Insured and period.
6. Claim Form duly filled in and signed
15. All original bills / receipts of reasonable
7. Copy of policy Certificate
additional expenses incurred and/or
8. Depending upon the complexity of the
proof of cancellation charges levied by
case, additional documents/information
the carriers shall be submitted
may be called for.
9. Covering letter detailing circumstances Trip Delay 1. Policy Copy
10. Cancelled cheque of the insured / 2. Medical reports and doctors' statement
nominee or police report confirming the incident
causing the trip delay. In case the delay
Reinstatement of Documents required are in alignment with is owing to illness, injury or death of
Sum Insured Medical Treatment as Benefit 1, 2 & 3 as a travelling companion or Immediate
per policy wording. Family Member or To the Insured
Trip Cancellation 1. Duly signed claim form 3. The original tickets of the Insured and
& Interruption 2. Policy Copy the travelling companion indicating
3. Official Death certificate or travel to the same destination on the
hospitalization of insured person or of same dates. It should contain the
spouse, parents &children. (if applicable) Passport number of the Insured and
4. Medical reports and doctors statement period.
if trip is cancelled or interrupted due to 4. Original bills and receipts towards
medical reasons. Along with detailed reasonable additional expenses during
treatment record (if applicable) the delay i.e. meals and lodging Copy of
5. Letter from the airlines clearly passport/visa with entry and exit stamp.
mentioning the reason of cancellation 5. Letter from the airline clearly stating the
and interruption of flight(if applicable) period of delay.
6. Copy of complete schedule itinerary for 6. Copy of FIR if delay is arising out of the
all the sectors Insured's or Travelling Companion's lost
7. Copy of new itinerary in case trip got or stolen passports, travel documents or
reschedule along with boarding passes money
8. Copy of Passport with visa entry and exit 7. Copy of boarding pass for the schedule
stamp trip and actual trip
9. Copies of reimbursement statements 8. Dully filled and signed claim form
issued by an airline carrier, airport 9. Covering Letter with sequence of events
facility, car rental agency, travel 10. Cancelled cheque of the insured /
agent, hotel/ motel or other similar nominee
establishment or any other insurance Missed 1. Duly signed claim form
company providing reimbursement to Connections 2. Policy Copy
you for the loss
3. Copy of complete schedule itinerary for
10. All original bills and receipts for
all the sectors
expenses which got forfeited,
4. Copy of new itinerary in case trip got
nonrefundable in nature. All original bills
reschedule along with boarding passes.
and receipts for additional reasonable
and necessary transportation expenses 5. Copy of Passport with visa with exit
and accommodation charges due to stamp and entry.
interruption of schedule flight 6. Confirmation from the airline,
11. Cancelled cheque of the insured / mentioning the scheduled arrival time
nominee and the actual arrival time. The reason
for delay in the flight also needs to be
mentioned.

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 7. Copies of reimbursement statements Home Burglary 1. Duly filled and completed claim form
issued by an airline carrier, airport Insurance 2. Copy of first information report/policy
facility, car rental agency, travel report.
agent, hotel/motel or other similar 3. Panchnama
establishment or any other insurance
4. Copy of final investigator report/
company providing reimbursement to
nondetectable certificate issued by the
you for the loss
police authorities/magisterial order.
8. All original bills and receipts for
5. Original Air Ticket/Boarding passes or
expenses which got forfeited,
copy of passport with visa entry and
nonrefundable in nature.
exit stamp, Original receipts for all
9. Covering letter detailing circumstances items claimed. If not available, provide
10. Cancelled cheque of the insured / description of items and the date, place
nominee and price of purchase
Total Loss of 1. Duly filled and completed claim form 6. Invoice of owned articles, if required by
Checked-In 2. Policy copy the Company
Baggage: 3. Air tickets along with boarding passes 7. Depending upon the peculiarity of
4. Copy of passport with exit and entry the case, additional documents/
stamps information's will be asked for Letter of
undertaking/subrogation form obtained
5. Copy of baggage tag's
from the insured.
6. Property Irregularity Report issued by the
8. Covering letter detailing circumstances.
common carrier mentioning the number
of baggage's checked-in. 9. Estimate and final bills of repairers
7. Original Certificate from airline Cancelled cheque of the insured / nominee
authorities stating that baggage has Fire Cover for 1. Claim Form duly filled in and signed
been lost along with compensation Building/ Contents 2. Copy of policy Certificate
details (Home in India) 3. Original Air Ticket/Boarding passes or
8. Adequate proof of ownership of items copy of passport with visa entry and exit
contained within checked-in baggage stamp
9. Covering letter detailing circumstances 4. Fire Department report/Police report.
Cancelled cheque of the insured / 5. Original receipts for all items claimed.
nominee If not available, provide description of
Delay of Checked- 1. Duly filled and completed claim form items and the date, place and price of
In Baggage 2. Policy Copy purchase
3. Copy of passport, visa with entry and 6. Newspaper cutting/Media report
exit stamp - Depending upon the peculiarity
4. Air tickets and boarding pass of the case, additional documents/
information's will be asked for
5. Property Irregularity Report issued by the
common carrier. 7. Covering letter detailing circumstances
6. Certificate from airline authorities clearly 8. Cancelled cheque of the insured /
stating the date and time of delay and nominee
delivery of the baggage. 9. Proof of ownership of the House
7. Original bills towards toiletries, 10. Panchnama
medication and clothing during the Compassionate 1. Claim Form duly filled in and signed
delay period Visit: 2. Copy of policy Certificate
8. Letter/communication clearly stating 3. Travel Details: Air Ticket and Boarding
the compensation details offered by the passes or copy of passport with visa
Airlines/Third Party entry and exit stamp
9. Covering letter detailing circumstances 4. Medical record of the patient, Discharge
Cancelled cheque of the insured / Summary, Presenting complain,
nominee diagnosis, treatment given, etc.
Bounced Booking 1. Duly filled and completed claim form 5. Certificate from the Treating Medical
of Airline and 2. Policy Copy Officer mentioning the need for a
Hotel 3. Complete set of medical records companion (If no adult member from the
including Discharge Summary & Travel family is available)
recommendation from the treating 6. Paid receipts in original for expenses
doctor mentioning the reason for incurred towards air tickets and stay of
upgrade to business class. the insured/Immediate Family Member
4. A Copy of scheduled Travel itinerary & 7. Depending upon the peculiarity of
actual itinerary along with the difference the case, additional documents/
of additional expenses incurred towards information's will be asked for
upgrade to business class. 8. Covering letter detailing circumstances
Cancelled cheque of the insured / nominee Cancelled cheque of the insured /
nominee

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 Return of Minor 1. Claim Form duly filled in and signed 6. Copy of Duplicate Passport or
Child: 2. Copy of policy Certificate Emergency certificate.
3. A certificate from the Medical 7. Air Ticket, Boarding passes and copy of
Practitioner specifying the cause and passport with visa entry and exit stamp
minimum period of Hospitalisation. 8. Covering letter detailing circumstances
Discharge summary of the Hospital 9. Cancelled cheque of the insured /
4. Original ticket(s) used for the travel by nominee
the Minor Child back to India, if the Loss of 1. Claim Form duly filled in and signed
ticket(s) are bought on behalf of the International 2. Copy of policy Certificate
Insured without any interference of the Driving License:
Company. 3. Copy of new International Driving
License
5. Clear Copy of the death certificate
(wherever applicable) providing the 4. Copy of previous International Driving
details of the place, date and time, and License if available
the circumstances and cause of the 5. Copy of new tickets
death (photocopy of the post mortem 6. Proof of complaint to local police
certificate, wherever required by the Cancelled cheque of the insured /
Assistance Service Provider, for cases nominee
where postmortem is conducted), issued Emergency Cash 1. Claim Form duly filled in and signed
by the appropriate authority where the Assistance: 2. Copy of policy Certificate
contingency has arisen.
3. Police report that indicates the incident
6. Cancelled cheque of the insured /
happened within the Policy Period
nominee
4. Name and Contact number of insured
Personal Liability: 1. Claim Form duly filled in and signed relative in India to co-ordinate for
2. Copy of policy Certificate emergency cash advance assistance.
3. Original Air Ticket/Boarding passes or 5. PAN Card details of relative who is
copy of passport with visa entry and exit assisting with emergency Cash
stamp
Political Risk 1. Claim Form duly filled in and signed
4. FIR/Police Report and Catastroph 2. Copy of policy Certificate
5. Letter mentioning Sequence of the Evacuation: 3. Official Declaration by embassy of India
events leading to Personal Liability
of the Insured
6. Proof of judicial decision (Award)
4. Original Invoice of Hotel Accommodation
rendered by a Court
during the period Insured is unable to
7. Depending upon the peculiarity of return to India
the case, additional documents/
5. Original ticket(s) used for the travel back
information's will be asked for
to India.
8. Covering letter detailing circumstances
Cancelled cheque of the insured / nominee
Cancelled cheque of the insured /
nominee Golfer's Hole in 1. Claim Form duly filled in and signed
One: 2. Copy of policy Certificate
Hijack Distress 1. Policy Copy.
Allowance 2. Dully filled and signed claim form A 3. Certificate from the United States
police report confirming the incident. It Golfer's Association (USGA) recognized
should contain the passport number of Golf course outside India towards
the insured and period of hijacking achievement
3. Copy of letter /any official 4. Bills and receipts towards the
communication from airlines confirming celebration
the Hijack/Official News Article 5. Cancelled cheque of the insured /
confirming the Hijack from reliable news nominee
source. Adventure sports: 1. Claim Form duly filled in and signed
4. Copy of passport/visa with entry and 2. Copy of policy Certificate
exit stamp 3. Age Proof
5. Copy of the air ticket and boarding pass 4. Medical reports and discharge
6. Covering letter detailing circumstances summary issued by the hospital or
Cancelled cheque of the insured / prescriptions and medical records from
nominee the medical practitioner furnishing the
Loss of Passport: 1. Duly filled and completed claim form 59 name of the insured, period of treatment
Internal and details of treatment rendered i.e.
2. Policy Copy line of treatment and final diagnosis.
3. A Police Report obtained within 24 hours 5. Original hospital bills with proper
of the Insured Person becoming aware description of services rendered and
of the theft needs to be submitted payment receipts towards expenses
incurred
4. Bills/receipts of expenses incurred in
obtaining a fresh/duplicate passport 6. Attending Surgeon’s/Medical
and other related expense Practitioner’s Prescription advising
hospitalization
5. Copy of new passport and previous
passport (if available).

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 7. Details of the adventure sport within 45 days from the date of receipt of last necessary
undertaken along with bills/receipts, document. In case of delay beyond stipulated 45 days the
medical certification declaring good Company shall be liable to pay interest at a rate 2% above the
health (where required), proof of bank rate from the date of receipt of last necessary document
required minimum training, and contact to the date of payment of claim.
details of the service provider/guide/ xviii. Territorial limits of the Cover: The cover applies to all countries
centre/organizer with whom adventure stated in the Policy Schedule except the Republic of India
sport was undertaken. where the Insured Person is a resident, as provided under the
8. Cancelled cheque of the insured / definition no: xliii.
nominee xix. Right of Company in case of Insured’s Death: In the event of
Fraudulent 1. Claim Form duly filled in and signed the Insured Person's death, the Company shall have the right
Charges (Payment to demand the submission of a post mortem / autopsy report.
2. Copy of policy
Card Security) 3. Police report that indicates the incident xx. Expected time to Settle Claims: The Company shall settle the
benefit happened within the Policy Period, claim within 30 days from the date of receipt of last necessary
on trip whilst insured was out of the document. However, where the circumstances of a claim
Republic of India. warrant an investigation in Company’s opinion it shall initiate
and complete such investigation at the earliest, in any case not
Cancelled cheque of the insured / nominee
later than 30 days from the date of receipt of last necessary
xv. Obligations of the Insured / Insured Person: document. In such cases, Company shall settle the claim within
a. Claims for Benefits must be submitted to the Emergency 45 days from the date of receipt of last necessary document.
Assistance Service Provider not later than one (1) month Section-7 Extension in Policy Period
after the completion of the treatment or transportation If any illness / injury during the Policy Period that resulted in
home, or in the event of Death, after transportation of the Hospitalisation of the Insured Person as on the last day of the Policy
Mortal Remains/ Burial. Period further necessitates continual Medically Necessary treatment
b. Insured Person shall provide to the Emergency Assistance beyond the original Policy Period, the Company's liability to pay
Service Provider on demand any information that is benefits within the scope of this Policy shall extend for a further
required to determine the occurrence of the insurable event period of 10 days insofar as it can be proved that transportation
or the Company's liability to pay the benefits. In particular, home is not possible.
upon request, proof shall be furnished of the actual Emergency Assistance Service Provider must be notified immediately
commencement date of the Insured Trip. as soon as it is known that Insured Person is unfit to return to India.
c. If requested to do so by the Emergency Assistance Service If any new illness / injury is contracted beyond original Policy Period,
Provider, the Insured Person is obliged to undergo a treatment for the same will not be covered.
medical examination by a Physician designated by the Further, in case of transportation home on the advice of Emergency
Emergency Assistance Service Provider. Assistance Service Provider, appropriate continued treatment in India
d. Emergency Assistance Service Provider is authorized by on the advice of Company/Emergency Assistance Service Provider
the Insured /Insured Person to take all measures that are for the same illness / injury will be covered for a maximum of 10 days
suitable for loss prevention and claim minimization which beyond this Policy Period provided the illness / injury is contracted
includes the Insured Person's transportation back to the abroad within this Policy period.
Republic of India. If Emergency Assistance Service Provider recommends that continued
e. The Company shall be released from any obligation to pay treatment in an Indian hospital is appropriate, this Policy shall be
benefits under this Policy, if any, of the aforementioned extended to cover medical expenses incurred in India as specified
obligations are breached by the Insured Person. in the Medical Expenses Cover in this Policy provided that expenses
xvi. Transfer and Set-off of Claims: will only be paid at the reasonable and customary charges for such
services, and further provided that expenses will only be paid for
a. If the Insured Person has any outstanding claims against treatment incurred within the 10 days period immediately following
third parties, such claims shall be transferred in writing to the the first manifestation of the illness / injury during the Insured Trip.
Company up to the amount for which the reimbursement
of costs is made by the Company in accordance with the Extension of the Policy Period is automatic for a period not exceeding
terms hereunder. 7 days and without extra charge, if necessitated by delay or
cancellation of the Common Carrier due to issues that are beyond
b. In so far as an Insured Person receives compensation for the control of the Insured Person.
costs he/she has incurred either from third parties liable
for damages or as a result of other legal circumstances, Section-8 Standard Terms and Conditions (applicable To
the Company shall be entitled to set off this compensation All Benefits under the Policy):
against the insurance benefits payable, if any. i. Conditions precedent to the contract
c. Claims to the insurance benefits may be neither pledged a. Disclosure to information norm
nor transferred by the Insured Person.
The Policy shall be void and all premium paid hereon shall be
xvii. Settlement time and penalty: The Company shall settle the forfeited to the Company, in the event of misrepresentation,
claim within 30 days from the date of receipt of last necessary misdescription or non-disclosure of any material fact. In the
document in accordance with the provisions of Regulation 27 of event of untrue or incorrect statements, misrepresentation,
IRDAI (Health Insurance) Regulations, 2016. In the case of delay misdescription or nondisclosure of any material particulars
in the payment of a claim, the insurer shall be liable to pay in the proposal form, personal statement, declaration
interest from the date of receipt of last necessary document to and connected documents, or any material information
the date of payment of claim at a rate 2% above the bank rate. having been withheld, or a Claim being fraudulent or any
However, where the circumstances of a claim warrant an fraudulent means or device being used by the Policyholder/
investigation in the opinion of the Company, it shall initiate and Insured Person or any one acting on his/ their behalf to
complete such investigation at the earliest, in any case not obtain a benefit under this Policy, the Company may cancel
later than 30 days from the date of receipt of last necessary this Policy at its sole discretion and the premium paid shall
document. In such cases, the Company shall settle the claim be forfeited in its favour.

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 b. Observance of terms and conditions inspect the lost / damaged properties premises /
The due observance and fulfilment of the Policy Terms & goods.
Conditions and Endorsements of this Policy in so far as • Assist and not hinder or prevent the Company or any of
they relate to anything to be done or complied with by its agents in pursuance of their duties.
the Policyholder / Insured Person, shall be a condition • Not to abandon the insured property / items in the
precedent to any of the Company’s liability to make any premises, nor take any steps to rectify / remedy the
payment under this Policy. damage before the same has been approved by the
c. Pre-policy Health Check up Company or any of its agents or the Surveyor. If the
The full costs of any pre-policy health check up wherever Insured Person does not comply with this provision
required shall be borne by the Policy Holder / Insured of this Clause, all benefits under this Policy shall be
Person. forfeited, at the option of the Company.
d. Assignment of Indemnity c. Right to inspect
Indemnity, if any, in case of the loss of life of the Insured If required by the Company, an agent / representative
is then payable to the nominee named in the Proposal of the Company including a loss assessor or a Surveyor
Form provided such nominee survives after the Insured; appointed in that behalf shall in case of any loss or any
otherwise, indemnity is payable to Insured’s estate. All other circumstances that have given rise to the claim to the
indemnities of this Policy are payable to the Insured. Any Insured Person be permitted at all reasonable times to
payment that the Company make in good faith pursuant examine into the circumstances of such loss.
to this provision shall fully discharge the Company to the The Insured Person shall on being required so to do by
extent of the payment. the Company produce all books of accounts, receipts,
e. Consent of the Nominee documents relating to or containing entries relating to the
loss or such circumstance in his possession and furnish
Consent of the nominee, if any, shall not be a prerequisite
copies of or extracts from such of them as may be required
for any change of nominee or to any other changes in this
by the Company so far as they relate to such claims or will in
Policy.
any way assist the Company to ascertain in the correctness
f. Arbitration Clause thereof or the liability of the Company under this Policy.
If any dispute or difference shall arise as to the quantum d. Position after a claim
to be paid under this Policy (liability being otherwise
The Insured Person shall not be entitled to abandon
admitted) such difference shall independently of all other
any insured property whether the Company has taken
questions be referred to the decision of a sole arbitrator
possession of the same or not. As from the day of receipt of
to be appointed in writing by the parties thereto or if they
the claim amount by the Insured Person, the Sum Insured
cannot agree upon a single arbitrator within 30 days of any
for the remainder of the Policy Period shall stand reduced
party invoking arbitration, the same shall be referred to a
by the amount of the compensation.
panel of three arbitrators, comprising of two arbitrators,
one to be appointed by each of the parties to the dispute/ e. Subrogation
difference and the third arbitrator to be appointed by such Subrogation shall mean the right of the Company to
two arbitrators and arbitration shall be conducted under assume the rights of the Insured Person/Policyholder to
and in accordance with the provisions of the Arbitration recover expenses paid out under the Policy that may be
and Conciliation Act,1996. recovered from any other source.
If any dispute or difference shall arise as to the quantum The Policyholder/ Insured Person shall at his own expense
to be paid under this Policy (liability being otherwise do or concur in doing or permit to be done all such acts and
admitted) such difference shall independently of all other things that may be necessary or reasonably required by
questions be referred to the decision of a sole arbitrator the Company for the purpose of enforcing and/or securing
to be appointed in writing by the parties thereto or if they any civil or criminal rights and remedies or obtaining relief
cannot agree upon a single arbitrator within 30 days of any or indemnity from any other party to which the Company
party invoking arbitration, the same shall be referred to a is/or would become entitled upon the Company paying
panel of three arbitrators, comprising of two arbitrators, for a Claim under this Policy, whether such acts or things
one to be appointed by each of the parties to the dispute/ shall be or become necessary or required before or after
difference and the third arbitrator to be appointed by such its payment.
two arbitrators and arbitration shall be conducted under Neither the Policyholder nor any Insured Person shall
and in accordance with the provisions of the Arbitration prejudice these subrogation rights in any manner and shall
and Conciliation Act,1996. at his own expense provide the Company with whatever
ii. Conditions when a Claim arises assistance or cooperation is required to enforce such rights.
a. Complete discharge Any recovery the Company makes pursuant to this clause
shall first be applied to the amounts paid or payable by the
Payment made by the Company to the Policyholder/
Company under this Policy and any costs and expenses
adult Insured Person or the Nominee of the Policyholder
incurred by the Company of affecting a recovery, where
or the legal representative of the Policyholder or to the
after the Company shall pay any balance remaining to
Hospital, as the case may be, of any Medical Expenses or
the Policyholder. This clause shall not apply to any Benefit
compensation or benefit under the Policy shall in all cases
offered on fixed benefit basis.
be complete and construe as an effectual discharge in
favour of the Company. f. Indemnity
b. Duties of the Insured / Insured Person The Company may at its option, if applicable reinstate,
replace or repair the property or premises lost or damaged
Duties of the Insured Person on the occurrence of any loss,
or any part thereof instead of paying the amount of loss or
within the scope of this Policy the Insured Person shall be:
damage or may join with any other insurer in so doing.
• Forthwith file / submit a Claim Form in accordance with
The Company shall not be bound to reinstate exactly
'Claim Procedure'.
or completely but only as circumstances permit and in
• Allow the Surveyor or any agent of the Company to reasonably sufficient manner. In no case shall the Company

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 be bound to expend more in reinstatement than it would regulatory guidelines, including IRDA of India (Protection
have cost to reinstate such property as it was at the time of Policyholders Interests Regulation), 2002. In case of
of the occurrence of such loss or damage and in any event any delay in payment as stated herein, The Company will
not more than the sum Insured Person thereon. pay an interest at the prevalent bank rate plus 2 % at the
If in any case the Company shall be unable to reinstate beginning of the financial year in which claim is settled.
or repair the insured property/item, because of any law For the purpose of this clause, bank rate' shall mean the
or other regulations in force affecting insured property or existing bank rate as notified by Reserve Bank of India,
otherwise, the Company shall, in every such case, only be unless the extent regulation requires payment based on
liable to pay such sum as would be requisite under this some other prescribed interest rate .
Policy. iii. Conditions for renewal of the contract
g. Contribution in case of Multiple Policies a. Withdrawal/Revision/Modification of the Product
• In case of multiple policies which provide fixed benefits, The Company reserves the right to withdraw, revise or
on the occurrence of the insured event in accordance modify this product / policy in the future. The revision/
with the terms and conditions of the policies, each modification may be in respect of Benefits, coverages,
insurer shall make the claim payments independent of premiums, policy terms and conditions &/or exclusions. In
payments received under other similar polices. the event of any such withdrawal of product the company
• If two or more policies are taken by an insured during will notify in advance to the policyholder providing him the
a period from one or more insurers to indemnify option to port to the specified existing health products of
treatment costs, the policyholder shall have the right to the company with continuity benefit.
require a settlement of his/her claim in terms of any of b. Renewal Conditions
his/her policies.
This Policy expires at the end of the Policy Period. This Policy
• In all such cases the insurer who has issued the chosen covers a given Insured Trip as stated in the Policy Schedule;
policy shall be obliged to settle the claim as long as the there is no commitment, obligation or requirement that is
claim is within the limits of and according to the terms binding on the Company to offer the Policyholder an option
of the chosen Policy. to renew this Policy.
• Claims under other policies may be made after iv. Conditions applicable during the contract
exhaustion of Sum Insured in the earlier chosen Policy /
a. Reasonable Care
Policies
The Insured Person shall take all reasonable steps to
• If the amount to be claimed exceeds the sum insured
safeguard the interests of the Insured Person against
under a single policy after considering the deductibles
accidental loss or damage that may give rise to a claim.
or co-pay, the policyholder shall have the right to
choose insurers from whom he/she wants to claim the b. Material change
balance amount. The Policyholder shall immediately notify the Company
• Where an insured has policies from more than one in writing of any material change in the risk at their own
insurer to cover the same risk on indemnity basis, the expense and the Company may adjust the scope of cover
insured shall only be indemnified the hospitalization and/or premium, if necessary, accordingly.
costs in accordance with the terms and conditions of ‘Material change’ shall include but not limited to travelling
the chosen policy. dates, destination, purpose of the Insured Trip, destination
h. Fraudulent claims of the Insured Trip, health condition of the Insured,
Immediate Family members or Travelling Companion, age
If a Claim is in any way found to be fraudulent, or if any
of the Insured or matters of similar nature.
false statement, or declaration is made or used in support
of such a Claim, or if any fraudulent means or devices are c. Records to be maintained
used by the Policyholder / Insured Person or anyone acting The Policyholder/ Insured Person shall keep an accurate
on his/ their behalf to obtain any benefit under this Policy, record containing all relevant medical & other relevant
then this Policy shall be void and all claims being processed records and shall allow the Company or its representative(s)
shall be forfeited for all Insured Persons and all sums paid to inspect such records. The Policyholder/ Insured Person
under this Policy shall be repaid to the Company by the shall furnish such information as the Company may require
Policyholder / all Insured Persons who shall be jointly liable under this Policy at any time during the Policy Period and
for such repayment. up to three years after the policy expiration, or until final
i. Limitation Period adjustment (if any) and resolution of all Claims under this
Policy.
In no case whatsoever the Company shall be liable for any
Claim under this Policy, if the requirement of Section 8. ii. e, d. No constructive Notice
8. ii. f and [Link]. g above are not complied with, unless the Any knowledge or information of any circumstance or
Claim is the subject of pending action; it being expressly condition in relation to the Policyholder/ Insured Person
agreed and declared that if the Company shall disclaim which is in possession of the Company and not specifically
liability for any Claim hereunder and such Claim shall not informed by the Policyholder / Insured Person shall not be
within 12 calendar months from the date of the disclaimer held to bind or prejudicially affect the Company not with
have been made the subject matter of a suit in court of law standing subsequent acceptance of any premium
then the Claim shall for all purposes be deemed to have e. Special Provisions
been abandoned and shall not thereafter be recoverable.
Any special provisions subject to which this Policy has been
j. Payment of Interest entered into and endorsed in the Policy or in any separate
The Company shall make the payment of claim that has instrument shall be deemed to be part of this Policy and
been admitted as payable under the Policy terms and shall have effect accordingly.
conditions within 30 days of submission of all necessary f. Electronic Transactions
documents / information and any other additional
information required for the settlement of the claim. The Policyholder/ Insured Person agrees to adhere to and
comply with all such terms and conditions as the Company
All claims will be settled in accordance with the applicable may prescribe from time to time, and hereby agrees

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 and confirms that all transactions effected by or through j. Overriding effect of the Policy Schedule
facilities for conducting remote transactions including the In case of any inconsistency in the terms and conditions in
Internet, World Wide Web, electronic data interchange, this Policy vis-à-vis the information contained in the Policy
call centres, tele service operations (whether voice, video, Schedule, the information contained in the Policy Schedule
data or combination thereof) or by means of electronic, shall prevail.
computer, automated machines network or through
k. Change of Nominee
other means of telecommunication, established by or on
behalf of the Company, for and in respect of the Policy or No change of nominee under this Policy shall bind the
its terms, or the Company’s other products and services, Company, unless consent thereto is formally endorsed
shall constitute legally binding and valid transactions thereon by the Company’s authorized officer.
when done in adherence to and in compliance with the l. Customer Services
Company’s terms and conditions for such facilities, as may If at any time the Insured Person requires any clarification
be prescribed from time to time. or assistance, the Insured Person may contact either the
g. Cancellations Help Line of the Emergency Assistance Service Provider
The Company may at any time, cancel this Policy, or the Policy issuing office of the Company at its address
by giving 7 days notice in writing by Registered Post during normal office hours.
Acknowledgment Due to the Insured Person at his last j. Grievances
known address in which case the Company shall be liable If the Policyholder has a grievance that the Policyholder
to repay on demand a rateable proportion of the premium wishes the Company to redress, the Policyholder may
for the unexpired term from the date of the cancellation. contact the Company with the details of his grievance
Cause of Action No claim shall be payable under this Policy through:
where the cause of action arises in India, unless otherwise
specifically provided in the Policy Schedule. Website [Link]
h. Policy Disputes e-mail [Link]@[Link]
Any and all disputes or differences under or in relation to Telephone 022 4890 3009 (paid)
validity, construction, interpretation and effect to this Policy
Post/Courier Any branch office, the correspondence
shall be determined by the Indian Courts and subject to
address, during normal business hours
Indian law.
i. Communication Write to us at Reliance General Insurance.,
(Correspondence Winway Building 2nd & 3rd Floor, 11/12
Any communication meant for the Company must be in Only) Block No-4, Old No-67, South Tukoganj,
writing and be delivered to its address shown in the Policy Indore (M.P) - 452001
Schedule. Any communication meant for the Policyholder Contact No.- 022- 41112600
will be sent by the Company to his last known address or
the address as shown in the Policy Schedule. All notifications For further details on Grievance redressal procedure please refer:
and declarations for the Company must be in writing and [Link]
sent to the address specified in the Policy Schedule. Agents [Link]
are not authorized to receive notices and declarations If the Policyholder is not satisfied with the Company's redressal of
on the Company’s behalf. Notice and instructions will be the Policyholder's grievance through one of the above methods,
deemed served 10 days after posting or immediately upon the Policyholder may approach the nearest Insurance Ombudsman
receipt in the case of hand delivery, facsimile or email. for resolution of the grievance. The contact details of Ombudsman
offices are mentioned below:

Ombudsman Office
Office of the Address Contact Details Areas of Jurisdiction
Ombudsman
AHMEDABAD Office of the Insurance Ombudsman, Tel.: 079 - 27546150/27546139 Gujarat, UT of Dadra & Nagar
2nd Floor, Ambica House, Near C.U. Shah Fax: 079 - 27546142 Haveli, Daman and Diu
College, 5, Navyug Colony, Ashram Road, Email:
Ahmedabad – 380 001. [Link]@[Link]
BENGALURU Office of Insurance Ombudsman, Tel.: 080 - 26652048 / 26652049 Karnataka
Jeevan Soudha Building, PID No. 57-27-N- Email:
19, Ground Floor, 19/19, 24th Main Road, [Link]@[Link]
JP Nagar, 1st Phase, Bengaluru – 560078.
BHOPAL Office of the Insurance Ombudsman, Tel.: 0755 - 2769201, 2769202 Madhya Pradesh &
Janak Vihar Complex, 2nd Floor, 6, Malviya Fax: 0755 - 2769203 Chhattisgarh
Nagar, Opp. Airtel Office, Near New Market, Email:
Bhopal – 462 003. [Link]@[Link]
BHUBANESHWAR Office of the Insurance Ombudsman, Tel.: 0674 - 2596461 /2596455 Orissa
62, Forest park, Bhubaneshwar – 751 009. Fax: 0674 - 2596429
Email:
[Link]@[Link]

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 CHANDIGARH Office of the Insurance Ombudsman, Tel.: 0172 - 2706196 / 2706468 Punjab, Haryana, Himachal
S.C.O. No. 101, 102 & 103, 2nd Floor, Batra Fax: 0172 - 2708274 Pradesh, Jammu & Kashmir,
Building, Sector 17 – D, Chandigarh – 160 017. UT of Chandigarh
Email:
[Link]@[Link]
CHENNAI Office of the Insurance Ombudsman, Tel.: 044 - 24333668 / 24335284 Tamil Nadu, UT - Pondicherry
Fatima Akhtar Court, 4th Floor, 453, Anna Fax: 044 – 24333664 Town and Karaikal (which are
Salai, Teynampet, Chennai – 600 018. part of UT of Pondicherry)
Email:
[Link]@[Link]
DELHI Office of the Insurance Ombudsman, Tel.: 011 - 23239633 / 23237532 Delhi
2/2 A, Universal Insurance Building, Asaf Fax: 011 - 23230858
Ali Road, New Delhi – 110 002. Email: [Link]@[Link]
GUWAHATI Office of the Insurance Ombudsman, Tel.: 0361 - 2132204 / 2132205 Assam, Meghalaya, Manipur,
Jeevan Nivesh, 5th Floor, Nr. Panbazar Fax: 0361 - 2732937 Mizoram, Arunachal Pradesh,
Over Bridge, S.S. Road, Guwahati – 781001 Nagaland and Tripura
Email:
(ASSAM). [Link]@[Link]
HYDERABAD Office of the Insurance Ombudsman, Tel.: 040 - 65504123 / 23312122 Andhra Pradesh, Telangana
6-2-46, 1st floor, "Moin Court", Lane Opp. Fax: 040 - 23376599 and UT of Yanam - a part of
Saleem Function Palace, A. C. Guards, UT of Pondicherry.
Email:
Lakdi-Ka-Pool, Hyderabad - 500 004. [Link]@[Link]
JAIPUR Office of the Insurance Ombudsman, Tel.: 0141 - 2740363 Rajasthan
Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Email:
Singh Marg, Jaipur - 302 005. [Link]@[Link]
ERNAKULAM Office of the Insurance Ombudsman, Tel.: 0484 - 2358759 / 2359338 Kerala, UT of
LIC OF INDIA, 10th Floor, ‘Jeevan Prakash’, Fax: 0484 - 2359336 (a) Lakshadweep, (b) Mahe-a
Divisional Office, M. G. Road, Ernakulam, part of UT of Pondicherry.
Email:
Kochi – 682011. [Link]@[Link]
KOLKATA Office of the Insurance Ombudsman, Tel.: 033 - 22124339 / 22124340 West Bengal, UT of
Hindustan Bldg. Annexe, 4th Floor, 4, C.R. Fax: 033 - 22124341 Andaman & Nicobar Islands,
Avenue, Kolkata - 700 072. Sikkim
Email:
[Link]@[Link]
LUCKNOW Office of the Insurance Ombudsman, Tel.: 0522 - 2231330 / 2231331 Districts of Uttar Pradesh:
6th Floor, Jeevan Bhawan, Phase-II, Fax: 0522 - 2231310 Laitpur, Jhansi, Mahoba,
Nawal Kishore Road, Hazratganj, Hamirpur, Banda, Chitrakoot,
Email:
Lucknow - 226 001. Allahabad, Mirzapur,
[Link]@[Link]
Sonbhabdra, Fatehpur,
Pratapgarh, Jaunpur,
Varanasi, Gazipur, Jalaun,
Kanpur, Lucknow, Unnao,
Sitapur, Lakhimpur, Bahraich,
Barabanki, Raebareli, Sravasti,
Gonda, Faizabad, Amethi,
Kaushambi, Balrampur, Basti,
Ambedkar Nagar, Sultanpur,
Maharajgang, Sant Kabir
Nagar, Azamgarh, Kushinagar,
Gorkhpur, Deoria, Mau,
Ghazipur, Chandauli, Ballia,
Sidharath Nagar.
MUMBAI Office of the Insurance Ombudsman, Tel.: 022 - 26106552 / 26106960 Goa, Mumbai Metropolitan
3rd Floor, Jeevan Seva Annexe, S. V. Road, Fax: 022 - 26106052 Region excluding Navi
Santacruz (W), Mumbai - 400 054. Mumbai & Thane.
Email:
[Link]@[Link]

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.
 NOIDA Office of the Insurance Ombudsman, Tel.: 0120 - 2514252 / 2514253 State of Uttaranchal and the
Bhagwan Sahai Palace, 4th Floor, Main Email: following Districts of Uttar
Road, Naya Bans, Sector 15, Dist: Gautam [Link]@[Link] Pradesh: Agra, Aligarh,
Buddh Nagar, U.P. - 201301. Bagpat, Bareilly, Bijnor,
Budaun, Bulandshehar, Etah,
Kanooj, Mainpuri, Mathura,
Meerut, Moradabad,
Muzaffarnagar, Oraiyya,
Pilibhit, Etawah, Farrukhabad,
Firozbad, Gautam Budha
Nagar, Ghaziabad, Hardoi,
Shahjahanpur, Hapur, Shamli,
Rampur, Kashganj, Sambhal,
Amroha, Hathras, Kanshiram
Nagar, Saharanpur.
PATNA Office of the Insurance Ombudsman, Tel.: 0612 - 2680952 Bihar, Jharkhand.
1st Floor, Kalpana Arcade Building, Bazar Email:
Samiti Road, Bahadurpur, Patna - 800 006. [Link]@[Link]
PUNE Office of the Insurance Ombudsman, Tel.: 020 - 41312555 Maharashtra, Area of Navi
Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. Email: Mumbai and Thane excluding
195 to 198, N.C. Kelkar Road, Narayan Peth, [Link]@[Link] Mumbai Metropolitan Region.
Pune – 411 030.
The updated details of Insurance Ombudsman are available on IRDAI website: [Link], on the website of General Insurance
Council: [Link], our website [Link]

Reliance Travel Care Policy (Individual and Family Plan). UIN No.: RELTIOP20030V012021.