Individual Travel Insurance

​Do you enjoy mountain treks and strolling on the beach and love to explore new cultures and cuisines? Then investing in individual travel insurance or single-person travel insurance is essential for you. This type of travel insurance covers expenses incurred for unexpected medical expenses, passport loss, baggage loss, missed flights, luggage loss, trip delays, flight delays and more.

You can ensure peace of mind and focus on enjoying your journey by investing in comprehensive individual travel insurance. It will keep you protected against a wide range of potential risks in an unknown destination.

Reliance General Insurance offers robust travel insurance plans tailored to meet diverse needs. Our offerings stand out due to our customer-centric approach, high claim settlement ratios, broad spectrum of products and extensive coverage.

What Is Individual Tr​avel Insurance?

An individual travel insurance policy is a type of insurance that covers a single individual against unexpected losses and risks when travelling. It covers many issues, from minor inconveniences like missed flights, delays, and cancellations to serious problems like illnesses, injuries, loss of documents, passports, etc.
When you buy an individual travel insurance policy, it helps you reduce financial risks arising from unforeseen situations. With a travel insurance plan, you can avail yourself of 24x7 emergency assistance to get advice and help with arranging medical treatment and repatriation home. This means you can travel peacefully and concentrate on your adventure and exploration.

The individual travel insurance plan reimburses or directly covers expenses incurred due to events (as insured). Whether you are travelling for a vacation or business, travel insurance is a must. It is a crucial investment for comprehensive protection.

Why Do You Need Individual Travel Insurance?

Individual travel insurance offers financial protection for solo travellers, covering unexpected expenses and emergencies that may arise during a trip. Understanding the importance of individual travel insurance ensures you are safeguarded against unforeseen situations, such as medical emergencies, trip cancellations, lost baggage and other unexpected events.

This type of insurance provides peace of mind, allowing you to enjoy your journey without the stress of potential financial burdens.

Location-Specific Require​ments

Many countries require proof of travel insurance as part of the visa application process. Individual travel insurance can meet these requirements, ensuring compliance with international travel regulations.

Customised ​​Coverage

Individual travel insurance is tailored to meet the specific needs of solo travellers. It offers coverage for medical emergencies, trip delays and lost or stolen belongings, ensuring comprehensive protection.

Medical Em​​ergencies

One of the primary benefits of individual travel insurance is coverage for medical expenses, including hospitalisation, doctor visits, and emergency medical evacuation. This coverage is crucial to avoid high healthcare costs abroad.

Trip Cancellation or Interrup​tion

Another travel insurance benefit is that it reimburses non-refundable expenses, such as flights and accommodation, if you need to cancel or shorten your trip due to covered reasons like illness or natural disasters.

Lost or Delayed Baggage

Individual travel insurance compensates for personal belongings if your baggage is lost, stolen, or delayed, providing financial support to purchase essential items while you wait.

Travel Delays and Missed Con​nections

Individual travel insurance covers additional costs like accommodation and meals if your trip is delayed or you miss a connecting flight, ensuring unforeseen delays do not financially impact you.

24/7 Assistance Se​​​rvices

Reliance individual travel insurance round-the-clock access to emergency support, medical referrals, and travel assistance, providing help whenever you need it during your trip.

Emergency Evacuation and R​epatriation

Our plans provide coverage for emergency transportation back to India in case of medical emergencies or severe situations like political unrest.

Why Choose Reliance Individual Travel Insurance?

When you plan your solo trip, you plan the whole itinerary – where to go, what to do, what to eat and more. However, your travel plan should also include choosing the right individual travel insurance.

Reliance Travel Care Policy - Individual Plan is a great option for individual trip insurance as it offers comprehensive coverage with an extensive network of healthcare providers, a high claim settlement ratio and peace of mind for travellers.

Our tailored plans cater to various needs, offering robust protection for a wide range of scenarios.

Here are five reasons why you should buy Reliance Individual Travel Insurance plans:

Extensive C​overage

Reliance General Insurance’s travel insurance provides extensive coverage for healthcare emergencies, baggage loss or damage, theft, passport loss, trip delays and cancellations.

Why It Matte​rs

This ensures you stay protected against all probable travel-related problems and focus on enjoying your trip.

Competitive Premiums

Reliance General Insurance offers individual travel insurance starting at Rs 306/month*. Our plans do not compromise your budget to provide the much-needed coverage.

Why It M​​atters

You can get all-encompassing coverage without disrupting your travel budget a lot.

Smooth, Hassle-free Claim Settlement

With a 100%* claim settlement ratio, Reliance General Insurance offers a smooth claim settlement process. It is quick with reimbursement and support.

Why It Matter​s

This helps you remain stress-free and avoid financial strain during emergencies, letting you focus on resolution only.

Customer Service

With 24x7 customer service assistance, our dedicated and expert customer care team is always available to resolve customers' queries.

Why It Mat​​​ters

You can access help and guidance whenever you need it from wherever you may be.

Customised Solutions

You can customise your travel insurance plans for your travel needs whether you travel solo, with family, across Asia or Schengen countries, or as a student.

Why It Matt​ers

When you tailor your travel insurance plan to your needs, you get coverage for your specific requirements.

With individual travel insurance from Reliance General Insurance, you benefit from comprehensive protection, competitive pricing and great customer service.

Features of Reliance Individual Travel Insurance

With the Reliance Travel Care Policy - Individual plan, you get a wide range of features that offer protection to solo travellers like you. Its extensive coverage safeguards you against several travel-related risks. Here are the features and coverage limitations offered by Reliance individual travel insurance:

Note: The above table provides information and travel insurance benefits on the Reliance Travel Care Policy – Individual Plans. The covers mentioned above are subject to deductibles. Please read the policy wording, brochure and prospectus for more information.

Individual Travel Insurance Plans by Reliance General Insurance

Reliance General Insurance offers individual travel insurance plans tailored to the needs of different types of travellers and varied locations. Our plans offer comprehensive coverage, attractive benefits at competitive premiums and great customer satisfaction.

So, if you are travelling across Asia, exploring Schengen countries or are a student, you must explore travel insurance for a single person from Reliance General Insurance.

Reliance General Insurance's Individual Travel Insurance - Key Inclusion & Exclusion

Reliance General Insurance offers comprehensive protection for individual travellers through its travel insurance plans. Before purchasing a policy, it's important to understand the key inclusions and exclusions. Here are the main benefits covered by Reliance International Travel Insurance:

Inclusions for Reliance Individual Travel Insurance Policy:

Medical Emergency Expenses:

• Hospitalization Costs: Covers expenses related to inpatient and outpatient treatment for illnesses or injuries sustained during your trip.
• Emergency Medical Evacuation: Covers the cost of medically necessary transportation to the nearest medical facility or repatriation to India.
• Repatriation of Mortal Remains: In the event of death abroad, this covers the cost of repatriation of mortal remains or local burial.

Trip Cancellations and Interruptions:

• Compensation for Unused Bookings: Reimbursement of non-refundable expenses due to unforeseen emergencies like illness, accidents, or natural disasters.
• Financial Protection for Delays and Cancellations: Covers losses due to trip delays or cancellations.

Loss of Passport:

• Replacement Costs: Covers the expenses for obtaining a duplicate or new passport in case of loss during travel.

Checked-in Baggage Loss and Delay:

• Total Loss of Baggage: Provides compensation for the total loss of checked-in baggage during the trip.
• Baggage Delay Coverage: Offers reimbursement for emergency purchases (toiletries, medication, clothing) if your checked-in baggage is delayed.

Personal Liability Coverage:

• Third-Party Coverage: Provides coverage for legal liability due to accidental bodily injury or property damage caused to a third party during the trip.

Dental Treatment:

• Emergency Dental Care: Covers acute anaesthetic dental treatment due to an injury during travel.

Hijack Distress Allowance:

• Monetary Compensation: Provides a daily distress allowance if your plane is hijacked.

Compassionate Visit:

• Family Support Coverage: ​Covers travel and accommodation expenses for a family member to visit you in case of hospitalization due to a medical emergency.

24x7 Customer Support:

With Reliance General Insurance’s travel insurance plan, you get round-the-clock support.

• Emergency Assistance: Access to 24x7 hotlines for guidance and support during emergencies, no matter your location.

Key exclusions of the individual trip insurance plans:

Medical Treatment Abroad

Costs for trips primarily undertaken to receive medical treatment are not covered, and planned medical procedures done outside India are excluded from coverage.

Unattended Belongings

The policy does not cover the loss or damage of items left unattended, including important documents like passports.

Events Before Coverage Begins

Incidents occurring before the start or after the end of the policy period are not eligible for claims, ensuring coverage is limited to the specified duration.

War and Civil Unrest

The insurance policy does not cover claims arising from war, invasions, hostilities, rebellion, or involvement in civil disturbances.

Pre-Existing Medical Conditions

The policy excludes coverage for any pre-existing conditions and related complications, focusing solely on new medical issues that arise during travel.

Travelling Against Medical Advice

Claims made while travelling against the advice of a physician are not covered. It is crucial to have medical clearance before starting your journey.

Military Operations

Injuries or illnesses resulting from participation in military activities, including any involvement in conflicts, are not covered under this policy.

Intentional Acts and Criminal Activities

Self-inflicted injuries, criminal acts, or incidents related to substance abuse are not covered, including those resulting from alcohol consumption.

Mental Health and STDs

Costs associated with mental health conditions like anxiety, depression, and sexually transmitted diseases (STDs) such as HIV/AIDS are excluded.

Deductibles

You are required to pay the deductible specified in the policy schedule, which is not covered by the insurance and must be paid out-of-pocket.

How to Choose th​​​​e Best Individual Travel Insurance Plan?

Selecting the best solo travel insurance plan is vital to ensure a safe and worry-free travel experience. Here are some factors to consider before you choose your travel insurance for a single person:

Coverage​​ Needs

Your single-person travel insurance plan should cover surgeries, hospitalisations, doctor visits, cancellations, trip delays, and passport and baggage loss.

Duration of Trip

Your travel insurance should cover the entire length of your trip, whether it's a short vacation or a longer stay. This ensures you can travel worry-free.

Travel Destination

Your plan must cover specific travel-related risks associated with your destination, such as health risks, climate conditions, local laws, transportation and more.

Budget-friendly

You must compare premium prices before you choose your plan. Do not compromise on coverage due to premium amounts; however, it should fit your budget, too.

Read Customer Reviews

To determine whether your travel insurance delivers on its promises, read all customer testimonials and reviews to assess customer satisfaction and quality of service.

Claim Settlement

Ease, efficiency and a hassle-free claim settlement process should be among your priorities. Also, check the claim settlement ratio. This is crucial in times of emergencies.

Eligibility Criteria for Individual Travel Insurance

When you plan to buy an individual travel insurance plan, know the eligibility criteria to qualify for the coverage. Here are the key eligibility criteria for a solo travel insurance plan:

Key Factors to Consider While Buying Individual Travel Insurance

Before you embark on your journey, securing a comprehensive single-person travel insurance plan is essential not only for your protection but also for your peace of mind.

Ensuring you have the right coverage can make all the difference in handling emergencies, cancellations, and other travel disruptions smoothly.

Here are key factors to consider when you buy an individual travel insurance plan:

Medical Emerg​​​encies

Your single-policy travel insurance plan must offer protection for hospitalisation and emergency evacuation besides covering other medical expenses.

Cancellations

Trip cancellations can overthrow your plans. Your travel insurance should cover reimbursement for non-refundable expenses due to trip cancellations.

Loss of Luggage

If your luggage is stolen, lost or damaged and you lose your personal belongings, your travel insurance should compensate for this.

Emergency Assistance

Choose a travel insurance plan with robust and round-the-clock customer service. Reliance General Insurance offers 24x7 emergency assistance for all our policyholders.

Tailored Policy Options

Your policy should enable you to tailor coverage as per your needs and travel duration. This ensures you get coverage that suits your needs and preferences.

Claim Settlement Process

You should always choose an insurer that offers an easy and efficient claim settlement process. Reliance General Insurance offers a 100% claim settlement ratio*.

How to Buy an Individual Travel Insurance Plan Online?

Purchasing Reliance Travel Insurance is a quick and simple process. Here is a step-by-step guide for buying travel insurance online:

• Step 1: On our homepage, navigate to Explore Products -> Travel Insurance.
• Step 2: Select your travel type, mobile number, e-mail address and travel destination.
• Step 3: Select the desired plan and click "Buy Now".
• Step 4: Go through your premium details, enter your personal information and select your preferred mode of payment.
• Step 5: Once payment is successful, the details of your travel insurance, along with the soft copy of your policy papers, will be sent to your given e-mail address.

How to Renew/Extend Reliance Travel Insurance?

You can easily extend your existing travel insurance policy, even though renewal options are not available.

When you buy travel insurance, you buy it with a specific start and end date. However, if your holiday is extended for any reason, it’s important to also extend your travel insurance policy for continuous coverage.

Steps to Extend Your Travel Insurance:

Here are the steps to extend Reliance international travel insurance:

• Step 1: Contact our team ​and inform us about your extended travel plans.
• Step 2: Download and fill out our Extension Form and Good Health Declaration Form.
• Step 3: ​Submit the forms and our insurance experts will get in touch for further steps.

It's always better to be safe than sorry! Extending your travel insurance policy ensures you remain protected throughout your extended travels.

If you have queries about how to extend, renew or buy travel insurance online, contact our customer support team.

Individual Travel Insurance Claim Process

Before investing in the right travel policy, it is crucial to understand how do travel insurance claims work. At Reliance General Insurance, we have made the claims procedure quick and simple to ensure you get your insurance benefits without any stress as soon as possible. Below are the easy steps to our travel insurance claim procedure:

Step 1: In the case of an emergency, inform Reliance General Insurance within 24 hours to start the claims process. You can do so via call or email.

Step 2: For a worldwide cashless facility, call the listed international toll-free numbers or landline numbers based on your destination.

For Travel wit​​hin India:

National Toll-Free No.: 1800-209-55-22

Landline No.: +91-22-67347843/44 (charges applicable)

The countrywide list of our partners is below:

Step 3: In case of reimbursement claims, you must submit a duly filled and completed claims form along with the specified documents to the below mentioned address:

Reliance General Insurance

National Toll Free No: 1800-209-55-22

Landline No. +91-22-67347843/44

Fax: +91-22-6734-7888

Email ID: reliance@europ-assistance.in

Address (for submitting reim​bursement claim documents)

Reliance General Insurance, Claims Department, C/ O Europ Assistance India Pvt Ltd., 7th Floor, Star Hub,  Bldg No. 2, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai – 400 059., India.

Claim Upd​​ate

Reliance Care or Europ Assistance will review your claim. It may be approved, rejected or require additional documentation.

Claim ​​Disbursal

Once your claim is approved, the applicable compensation amount will be disbursed.

Documents Required For Individual Travel Insurance Claim

To claim solo travel insurance, you need to arrange different types of documents depending on the reason for the claim.

Here are the documents required for Reliance individual tour insurance claim:

​Popular Visa-fre​e A​​nd Visa-on-Arrival Countries For Solo Travel

As a traveller, you must know which solo travel destinations are part of the Visa-free countries and Visa-on-arrival countries.

Here are popular visa-free countries for solo travel from India:

• Japan: Known for its modernity and tradition, Japan is great for solo travellers.
• Iceland: A land of natural wonders, it is a hot favourite for adventurous solo travellers.
• Mexico: If you are looking for diverse cultural experiences, stunning beaches, and history, Mexico is the destination.
• New Zealand: New Zealand offers a plethora of adventurous activities, and if you love trying new things, consider it for your solo trip.
• Malaysia: ​A gem from Asia, explore Malaysia’s cuisine, culture and affordable travel options.

Here are some popular visa-on-arrival destinations for solo travel from India:

• Thailand: ​Thailand is renowned for its beautiful, vibrant culture, gorgeous beaches and friendly citizens.
• Indonesia: This destination attracts many solo travellers with its beauty and rich cultural heritage.

Frequently Asked Que​stions on Individual Travel Insurance

What is individual travel​​ insurance?

An individual travel insurance plan is designed to protect solo travellers against travel-related risks. It offers comprehensive financial coverage for unforeseen events like medical emergencies, trip cancellations, luggage loss, passport loss and more.

Why do I need individual tr​avel insurance?

You need individual travel insurance to safeguard yourself financially when unexpected events arise during your travel and disrupt your plans. It also provides support in emergencies such as hospitalisation due to accidents, injuries or urgent evacuation due to sudden health issues.

Is individual travel insurance ma​​ndatory?

It is not mandatory in all countries. However, certain destinations require you to have proof of your travel insurance at the time of entry.

Can I cancel my individual ​travel insurance?

Many insurance providers offer a free-look period (10-15 days from the day of purchase), during which you can cancel the policy and receive a full refund. After this period, the cancellation policy may vary, and you may receive a partial refund.

What is a deductible? Is it​ necessary?

Deductible is the amount you agree to pay from your pocket when you make a claim. After you pay the deductible amount, your travel insurance will cover the remaining amount. Please read the policy wording for more clarity.

Is there an age limit/criterio​​n for the issuance of individual travel insurance?

It depends on your travel insurance policy. At Reliance General Insurance, we provide policies starting from the age of 91 days or 3 months to 60 years under the individual plan, while those who are aged between 61-90 years fall under the senior citizen plan. Individuals between 16 and 35 years old are included in the student plan.

Can someone who is​​ working abroad buy a travel insurance plan?

Travel insurance doesn’t apply here. Our policies are designed for leisure or business travel only.

As someone who travels for b​​usiness, am I eligible for an individual travel insurance policy?

You can opt for our international travel insurance policy. Our travel insurance plans are designed to cater to leisure and business trips. If you are a frequent traveller, you can choose our annual multi-trip plan.

I have an immigration visa. Can I ​buy a travel insurance?

Our travel insurance is applicable for one-way trips as well so this includes immigration travel too. However, the maximum coverage duration is 60 days only.

How do I buy individual travel ​​​insurance?

You can buy individual travel insurance online by following these steps:

Step 1: On our Individual Travel Insurance page, select ‘Individual’.

Step 2: Fill out the registration form with all the details

Step 3: Proceed to online payment

Step 4: Once the payment is made, you will get a confirmation via e-mail

When should I buy i​ndividual travel insurance?

Buy your travel insurance as soon as you book or plan your trip. The earlier you buy, the sooner you can start receiving the benefits. It will cover you for any event that occurs before you leave for your trip, including trip delays or cancellations.

How much paperwork will I h​​ave to do to buy an individual travel insurance policy?

If you buy a Reliance travel insurance policy online in India, there is zero paperwork involved.

How many times can I extend my tra​vel insurance plan?

You can only extend your travel insurance plan while on your trip. This will require approval from Reliance General Insurance’s concerned team. However, this extension cannot exceed 365 days.

For how many days can I get the travel insurance plan?

You can get a travel insurance policy for up to 182 days if it is for a single trip. It can be for up to 365 days if it is an annual multi-trip. If you are a student, you get your travel insurance for up to 730 days.

What does indivi​​dual travel insurance cover?

It covers many aspects, such as costs incurred for trip delays, cancellations, lost or delayed baggage, personal liability, travel delays, accidental death or disability, and medical contingencies.

If I meet with an accident ​​when travelling abroad, what is covered in my policy?

If, unfortunately, you meet with an accident and are injured while on your trip, all emergency medical expenses for in-patient and out-patient treatment are covered. Travel to the nearest hospital, lab tests, etc., are also covered.

What risks does my travel i​nsurance cover?

Your Reliance travel insurance plan covers your financial and medical needs when abroad with 24x7 assistance in case of emergencies.

You also get coverage for:

• Dental treatment
• Home burglary insurance
• Personal liability
• Travel expenses for compassionate visits, i.e., if you fall ill, your family member's travel and accommodation to be with you is covered.
• In case of medical emergencies, you will be evacuated to get treatment back home.
• Also, in case of a mishap, your mortal remains will be sent back home without any extra cost.
  

How is the premium for indivi​​dual travel insurance determined?

Your age, trip duration, destination, cover amount, and travel insurance coverage type will influence your plan premium amount. High-risk destinations and longer trips result in higher premiums.

If I want to extend my tra​vel policy online, what will be the premium to be paid?

You cannot extend your travel policy online. The premium will depend on your plan, travel destination, geographical coverage, the number of days in your primary policy and the number of extended days you need.

Are there any discounts avai​lable on premium amounts?

Currently, there are no discounts applicable to our travel insurance plans.

How will my claim​ be settled abroad by Reliance General Insurance?

At Reliance General Insurance, we have a global TPA (third-party administrators) network. They assist our customers in settling their claims abroad. However, the final decision on the claim will be made after assessing all documents received.

Do I have to register the claim ​​within a specific time frame from the time of the accident?

While there is no specific time frame, it is recommended that you inform our claims team as soon as possible.

How long will it take for my cl​​aim to be settled?

It will take approximately 30 business days from the date the last documents are received for final claim settlement.

What is covered by the delay​​ in check-in luggage?

If your checked-in luggage is delayed for more than 12 hours or misdirected by the airline in the wrong direction, you are reimbursed for ‘necessary emergency expenses’ such as the purchase of clothes, medicines and toiletries.

Are ambulance charges covered?

Transportation to the nearest hospital and the cost of accompanying a friend/family member are covered. If medically necessary, air ambulance charges are also covered. However, this is subject to approval from the claims team. Read the policy wording to learn more.

Disclaimer: *T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. T&C Apply. Details mentioned here are for Reliance Travel Care Policy, UIN: RELTIOP08002V010708. Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Individual – Platinum Plan. Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only. Claim settlement ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd. Customer count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.