Domestic Travel Insurance

Ready for your next domestic trip? Packed all the essentials? We think you forgot something!

Many people believe travel insurance for domestic travel is an unnecessary and expensive purchase.

However, similar to international travel, your domestic trip can also be affected by unforeseen circumstances. A domestic trip insurance policy comes in handy in such situations to manage financial and mental stress while saving your finances.

Get ready for your next inland adventure with domestic travel insurance today!

What is a Domestic Travel Insurance Policy?

A domestic travel insurance policy provides financial security for all your trips within India. With this financial safety net, you can explore India, witness breathtaking landscapes and celebrate different cultures without any hassle.

Emergencies or unexpected situations do not come with notice and can often leave you with a significant financial burden.

However, with the best domestic travel insurance, you are covered for numerous situations, such as medical emergencies, flight delays or cancellations, missed connections, lost baggage and more.

You can secure your trip with domestic travel insurance online or offline and benefit from added peace of mind.

Moreover, you can get the necessary coverage for yourself and your family members under the same interstate travel insurance without any hassle.

Why Do You Need Domestic Travel Insurance?

Financial Protection for Medical Emergencies

With travel insurance for domestic travel, you can protect your savings in case of medical emergencies. You get financial coverage for pre- and post-hospitalisation expenses, treatment expenses, emergency evacuation, and more.

Coverage for Trip Mishaps

With domestic trip insurance, you get extensive coverage for trip mishaps. The list includes financial support for trip delays or cancellations, lost baggage, missed connections, and so on. This ensures in times of need, your finances are secure from a financial burden.

Personal Accident Support

If you get into an accident while travelling to any destination in India, you get financial support for any incurred medical costs. Moreover, in the case of death or disability, you or your family gets the due compensation to manage the financial and emotional stress.

Third-Party Expenses

Domestic travel insurance also covers any third-party expenses in case you cause unintentional damage to a third party during your domestic travel. This helps protect your savings from such unexpected expenses.

Peace of Mind

With a domestic holiday insurance plan, you can travel around India with added peace of mind. This financial safety net is a must-have for your next trip to reduce the stress of unexpected emergencies that can otherwise spoil your solo or family trip.

Does Reliance General Provide Domestic Travel Insurance?

Reliance General Insurance offers a wide range of international travel insurance policies to secure your trips abroad. However, our products do not offer a standalone domestic travel insurance plan for trips around India.

However, to ensure you have the necessary travel insurance for domestic travel, we have partnered with different websites that offer trip booking services.

These partner websites offer convenient booking solutions and the option of combining the Reliance Inland Travel Care plan at the time of trip purchase.

Some of our partner websites include Make My Tripand Uber.

We have partnered with both of these user-friendly platforms, which are commonly used for trip bookings. We offer our domestic travel insurance online as an optional add-on coverage for trip bookings made on any of these websites.

With this option, you can secure your air and road travel to any place in India without any hassle. Moreover, you can benefit from our affordable premium rates and extensive coverage at the time of booking without the need for multiple website visits.

Benefits & Features of Reliance’s Domestic Travel Insurance

For Make My Trip Plan Cover​​age

For Uber Plan Coverage

Reliance General Domestic Travel Insurance - Inclusion & Exclusion

Inclusions

• Medical expenses (inpatient and outpatient treatments) due to an injury.
• Partial or total disability
• Death
• Emergency medical evacuation
• Third-party expenses
• Missed connecting flights
• Loss or delay of baggage
• Trip delays or cancellations
• Emergency hotel or travel support
• Daily hospital allowance due to an injury

Exclusions

• Third-party expenses if the third party is a family member, relative or friend
• Pre-existing conditions
• Injuries or accidents due to mental illnesses
• Injuries or accidents due to alcohol or other illegal substance consumption
• Self-inflicted injuries
• Prolonged pregnancy or childbirth-related disability or death
• War or nuclear attacks
• Any death or disability due to contamination of radioactivity

How to Buy Domestic Travel Insurance Online?

For Make My Trip

1. Go to the website.
2. Select your city of departure and arrival.
3. Add the travel dates and number of passengers.
4. View different deals for your chosen destination.
5. Select the package that you want and continue to make the payment.
6. On the payment page, you will have the option to add “Reliance Travel + Medical Insurance.”
7. Select it if you want coverage at an affordable rate.
8. Make the revised payment using one of the digital payment options.

For Uber

1. Go to your Uber mobile app.
2. Choose the travel destination and pick-up spot.
3. Select “Account” from the bottom banner.
4. On the new page, click on “Settings” and then select “Rider Insurance.”
5. Click on “Get Coverage” and confirm again.
6. Get the revised payment on the screen.
7. Make the payment to secure your ride.

How to File A Domestic Travel Insurance Claim?

For Make My Trip

• To file a claim, inform us regarding the claim by calling +91-22-4890-3009, downloading our Reliance Self-i App, or visiting our website and initiating an online claim.
• You must notify us within 24 hours of the event’s occurrence or as soon as possible during emergencies.
• Once done, collect the necessary documents. For medical treatments, collect paid bill copies, prescriptions, etc., whereas for other claims, collect FIR, police report, death certificate, proof of disability, etc.
• Submit the claim form with the supporting documents.
• Wait for claim approval.
• If approved, the claim settlement will be done directly with the company or hospital.

For Uber

• To file a claim, notify us by calling +91-22-4890-3009 or visiting our website and initiating an online claim.
• Once you have registered the claim, collect the necessary supporting documents to file the claim.
• Submit the claim form and supporting documents to RCare.
• We will then verify your claim, and if approved, the applicable reimbursement for your claim request will be deposited into your bank account within 7 days.

Domestic Travel Insurance: Required Documents

• A duly filled and signed claim form.
• Original booking receipts (for flight or Uber bookings)
• Original medical bills, invoices, receipts, etc.
• Doctor prescriptions and letter
• Discharge summary
• Official death certificate (for death claims)
• Original bills of transporting mortal remains to the resident state/city (for death claims)
• Common carrier report (for complete loss of baggage)
• Proof of baggage ownership (for lost or delayed baggage)
• First Information Report (for accidental injuries)
• Letter from the common carrier stating the reason for missed connections
• Proof of hotel stay with payment receipt (for emergency hotel cover)
• Proof of cancelled travel tickets (for trip cancellations)
• Proof of prolonged hospital admission (for daily hospital allowance)

When To Get a Domestic Travel Insurance Policy?

If you are still wondering about the need for domestic travel insurance, you must understand the risk of unforeseen circumstances surrounding your planned trip.

Whether you are planning to visit a neighbouring state or book a trip to the south or north of India, emergencies can arise when you least expect them. These situations can result in a significant financial burden and mental stress.

Thus, here is when you should get travel insurance for domestic travel.

• If you are travelling solo to a new domestic destination.
• If you are prone to falling ill during travel.
• If you have a planned business trip to a domestic location.
• If you have a family vacation planned for the coming holiday season.
• If you want financial coverage for unexpected trip disruptions.

How is Domestic Travel Insurance Premium Calculated?

Many insurers offer fixed premiums for domestic travel insurance, as these policies are not commonly offered as standalone plans. For instance, Reliance General domestic travel insurance can only be purchased via their partners, Make My Trip and Uber.

However, for insurers that offer them as individual policies, the standard process to calculate domestic trip insurance premiums includes multiple factors. All these factors influence the premium amount to give you the final cost of purchasing any domestic plan of your choice.

Let’s look at the potential factors in travel insurance premium calculation below.

Factors That Help Calculate Domestic Insurance Premium

Age

Your age can directly impact the domestic travel insurance premium. For younger travellers, the premium may be lower, as their risk of catching diseases is lower. On the other hand, older travellers might have to pay a higher premium, as the chances of them getting sick are higher.

Travel Destination

Your domestic insurance premium can vary depending on where you want to travel in India. The premium may be higher for destinations with a higher risk of illnesses or accidents and vice versa.

Mode of Transportation

Your premium can be higher or lower depending on your mode of transportation. For instance, with Reliance General domestic plans, the premium for Uber car bookings is lower than the premium for flight bookings offered by Make My Trip.

Trip Duration

Your trip duration can also influence the premiums. For longer trips, the premium will be higher due to the need for longer coverage, and vice versa.

Travel Itinerary

If your trip itinerary includes any high-risk activities, you may need to buy additional coverage, which can result in higher premiums.

Choice of Insurer

The premiums for domestic trip coverage can vary depending on which insurer you choose. Some offer basic coverage for lower premiums, while others offer standalone policies with higher premiums and extensive coverage.

Domestic Travel Insurance Vs. International Travel Insurance

Is Travel Insurance Mandatory for Domestic Travel?

No, travel insurance is not mandatory for domestic travel.

However, even without this mandatory requirement, you must invest in a domestic flight travel insurance plan for the following reasons -

• Extensive financial coverage for medical emergencies.
• Financial support for accidental injuries.
• Assistance for medical evacuation.
• Financial compensation in case of death or disability.
• Assistance for transporting mortal remains from travel destination to residence.
• Financial support for third-party expenses.
• Coverage for trip delays, curtailment, and cancellations.

Therefore, to ensure you are well-protected from unforeseen circumstances, you must choose a domestic travel insurance plan for your trip.

Tips for Domestic Travel in India

Similar to international trips, domestic trips also require extensive planning. Moreover, you must consider the travel essentials for India trips.

Here is a quick list to help you plan better.

1. You must book your flight and accommodation in advance to avoid a last-minute price hike.
2. Before choosing any destination in India, research well to understand the weather conditions, peak seasons, customs and other aspects. This will help you plan your trip itinerary and packing items better.
3. Check the common language spoken at the destination you choose. This will help you prepare better before arriving to ease communication with the locals.
4. Always assess food hygiene before buying and consuming any local street food item. This is necessary to avoid any health issues during your trip.
5. Do not overpay for local transportation. Pre-book bus or metro tickets to travel between different areas in the city or state during your domestic travel.
6. Research the local rules and regulations of the destination you are visiting to avoid attracting any fines, especially if you plan to drive around the city.
7. Be mindful of the religions followed at the domestic destination. Do some research prior to your trip to avoid offending the locals.
8. Buy domestic flight insurance to secure your trip from unexpected situations that can otherwise become an expensive affair.

Also Read -Precautions to Ensure Safe Domestic Travel

Frequently Asked Questions on Domestic Travel Insurance

• What is the age eligibility for buying Reliance Domestic Travel Insurance from Make My Trip?

The age criterion for buying Reliance domestic travel insurance from Make My Trip is between 3 months and 70 years. You must be in this age bracket to buy a domestic travel plan for your next trip.

• What is the difference between inpatient and outpatient treatment coverage in domestic travel insurance?

Inpatient treatments refer to any medical treatment that requires hospital admission. On the other hand, outpatient treatment refers to any treatment that is completed without the requirement of hospital admission.

The coverage for inpatient treatments includes hospitalisation expenses, doctor charges, treatment costs, etc. However, the coverage for outpatient treatments includes doctor consultation fees, diagnostic test costs, medicine expenses, etc.

• Do I get coverage for theft with domestic travel insurance?

No, theft and vandalism are not included in most domestic travel insurance policies.

• Are pre-existing conditions included in the Reliance Domestic Travel Insurance Plan?

No, currently, pre-existing medical conditions and illnesses are not included in the Reliance Domestic Travel Insurance offered by Make My Trip and Uber. You must, however, still contact their customer support to check for your specific illness.

• Are all domestic destinations covered in a domestic travel plan?

Yes, a domestic travel insurance policy offers coverage for all destinations in India to ensure you have a memorable trip experience with the right financial safety net.

• How many days does it take to get the claim settlement processed?

The processing time for your claim request depends on multiple factors. These include the severity of the case, supporting documents, type of claim and, in some cases, travel destination.

• How can I avoid claim rejections for domestic travel insurance?

You can avoid claim rejections by ensuring the following -

• Timely intimation to the insurer regarding the incident.
• Submission of the right documents for the claim.
• Entering the correct information on the claim form.
• Claiming only under the policy inclusions.
• Where can I file a complaint with Reliance General for a wrong claim rejection?

You can file a complaint by contacting us in the following ways -

• Writing us a detailed email and sending it to services@relianceada.com
• Calling us at +91-22-4890-3009
• Sending us a written complaint at - Reliance General Insurance, Correspondence Unit, 2nd & 3rd Floor, Winway Building, 11/12, Block No-4, Old No-67, South Tukoganj, Near Madhumilan Square, Indore, Madhya Pradesh, India.
• Visiting any of our branch offices near you.

Related Blogs to Domestic Travel Insurance

• Precautions to Ensure Safe Domestic Travel
• What is Travel Insurance? : Coverage, Benefits, and How to Choose the Right Plan
• How To File A Travel Insurance Claim - Step-by-Step Guide
• 5 Benefits of Buying Travel Insurance Online​