Reliance Inland Travel Care Policy

Age group – 3 months -70 Years

The Company shall pay or reimburse to the Insured / Insured Person expenses incurred for availing immediate emergency medical assistance required on account of any Accident/ injury sustained or contracted whilst on a trip but not exceeding the Sum Insured as specified in the Schedule.

The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in the Schedule.

What it Covers

In the event, the Insured/Insured Person shall contract any Accidental injury during the period of insurance and if such injury shall upon the written medical advice of a Medical Practitioner require any such Insured/Insured Person, to incur hospitalisation within the period of insurance at any Hospital, for the medically necessary treatment of the Insured/Insured Person, then the Company will indemnify the Insured/Insured Person, for the amount of such medical expenses, which should be reasonable & customary charges, and are incurred by or on behalf of such Insured/Insured Person for in manner, for the period and to the extent of the Sum Insured as specified in this Policy. The company’s total liability in aggregate for all claims paid under this Benefit shall not exceed the Sum Insured.

1. Out-patient treatment, provided, the same is critical and cannot be deferred till the Insured/Insured Person's return to the original place of residence.

The company shall reimburse;

In the event of the death of the Insured/Insured Person due to an Insurable event in terms of this Policy, the costs of the mortal remains of the deceased Insured/Insured Person back to the original place of residence or, up to an equivalent amount, for a local burial or cremation at the location where the death occurred, subject to the maximum limit as specified in the schedule.

What is covers
The Company will indemnify the insured / Insured person in the event the Insured / Insured Person becomes legally liable to a third party under law for an incident which results in death, injury or damage to the health of such third party or damage to his / her properties, but not exceeding the sum Insured as specified in the schedule and provided the incident occurs during the period of insurance and whilst on a trip.

What it does not cover

The company shall not be liable to make any payment under this benefit in respect of the following:

1. Any claim arising from Insured / Insured Person’s contractual liability or through promises made by the Insured / Insured Person.
2. Any claim of personal liability of the Insured / Insured Person towards his / her family or relations, whether personal or official.
3. Any claim resulting from transmission of an illness by the Insured / Insured person.
4. Any claim or damage resulting from professional activities involving the Insured / Insured Person.
5. Any claim for liability arising, directly or indirectly, from or due to:
   • The possession of animals, birds, reptiles, insects, etc. and their byproducts like skin, hair, feathers, horns, fur, ivory, bones, eggs, etc.
   • The ownership or possession of vehicles, aircrafts, water crafts, or activities of the insured / insured person involving parachuting, hand-gliding, hot air ballooning or use of firearms.
   • Any willful, malicious or unlawful act
   • Insanity, the use of any alcohol / drugs (except as medical prescribed) or drug addiction
   • Any supply of goods or services on the part of the Insured / Insured person.
   • Any ownership or occupation of land or buildings other than the occupation of any temporary residence.
6. Any exclusion mentioned in the "General Exclusions" section of this policy.

Special Conditions

1. The Company shall be responsible for contesting unjustified claims against the Insured / Insured Person and providing indemnity for damages, which the Insured / Insured Person has to pay. For indemnity to be provided against damages, the damages must be payable under an acceptance of liability given or approved by the company or under a judicial decision rendered by a court of law.
2. If there is a legal action in process against the Insured / Insured person over a personal liability issue, the company may conduct the legal action, including appointment of legal counsel, at the company's expense in the name of the Insured / Insured person at the company’s sole discretion.
3. The company will have the right, but in no case the obligation, to take over and conduct in the name of the Insured / Insured person the defense of any claim and will have full discretion in the conduct of any proceedings and in the settlement of any claim and having taken over the defense of any claim, the company may relinquish the same
4. In the event the company, in its sole discretion, chooses to exercise its right in pursuance of this condition, no action taken by the company in the exercise of such right will serve to modify or expand in any manner, what the company’s liability or obligations under this Policy would have otherwise been had it not exercised its right under these special conditions.

What it covers
The Company shall compensate the Insured / Insured Person for the total loss of checked-in baggage on a trip. The cover is limited to the travel destinations specified in the Proposal Form. All halts and via destinations included in this main travel ticket will be covered under this benefit. The compensation will be limited to the Sum Insured as specified in the Schedule.

What does it not covers
The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in the Schedule.

The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured / Insured Person for:

1. Valuables and money, all kinds of securities and tickets / passes or any other item not declared to, and agreed to by, the Company.
2. Loss of property unless a Property Irregularity Report or other re port usually issued by common carriers in the event of loss of checked-in baggage has been procured and submitted to the Company.
3. Any partial loss of the items contained within the checked-in baggage.
4. Items contained within the checked-in baggage, which are valued in excess of Rs. 1,000 without appropriate proof of ownership.
5. Losses arising from any delay, detention, confiscation by customs officials or other public authorities.
6. Loss due to partial damage of the checked-in baggage
7. Any exclusion mentioned in the 'General Exclusions'

Special Conditions

1. The Company will compensate the Insured / Insured Person for the market value of checked-in baggage in the event of total and complete loss of such checked-in baggage caused by a common carrier up to the limits as specified in the Schedule provided that
   • Maximum amount payable per checked-in baggage, in case more than one bag has been checked-in, is 50% of the applicable Sum Insured. In case of only one bag being checked-in, the amount payable is 100% of the applicable Sum Insured.
   • Insured has provided all reports, documents and other details concerning the loss to the Company.

For the purposes of this benefit, "market value" is the sum required to purchase new items of the same kind and quality less an amount representing wear and tear, usage, etc. at the time of loss.

2. In the event that the Company makes any payment under this benefit, it is a condition of such payment that any recovery from any common carrier by the Insured / Insured Person, or on behalf of the Insured / Insured Person, under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air, 1929 ("Warsaw Convention") shall become the property of the Company.
3. The amount payable in respect of any one article, pair or set is limited to the amount as specified in the Schedule
4. In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be obtained from the airline immediately upon discovery of the loss which must be submitted to the Company
5. No partial loss or damage shall become payable. However, total loss or damage of individual unit(s) of baggage shall not be construed as falling within this Special Condition

What it covers
The Company shall pay or reimburse the Insured / Insured Person for the delay in transportation of checked-in baggage during a trip. Cover is limited to ticket destinations within India specified in the Insured Person’s main travel ticket. All halts and via destinations included in this main travel ticket will be considered for payment under this benefit. The compensation will not exceed the Sum Insured as specified in the Schedule.

The deductible in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in the Schedule.

What it does not cover
The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured / Insured Person for:

1. Valuables and money, all kinds of securities and tickets / passes or any other item(s) not declared to, and agreed to by, the Company.
2. Loss of property unless a Property Irregularity Report or other report usually issued by carriers in the event of loss of checked-in baggage has been procured and submitted to the Company.
3. Any partial loss of the items contained within the checked-in baggage.
4. Items contained within the checked-in baggage, which are valued in excess of US $ 100 without appropriate proof of ownership.
5. Losses arising from any delay, detention, confiscation by customs officials or other public authorities.
6. Loss due to complete / partial damage of the checked-in baggage.
7. Any checked-in baggage delay on the inbound sector to the Republic of India
8. Any exclusion mentioned in the ‘General Exclusions’ section of this Policy.

Special Conditions

1. The Company will pay or reimburse costs of necessary emergency purchases of toiletries, medication and clothing in the event of the Insured / Insured Person suffering delay of his/her checked-in baggage while being transported during the trip, provided that:
   • The delay of checked-in baggage is more than 12 hours from the actual arrival time of the common carrier at the destination and relates to delivery of baggage that has been checked in by the common carrier.
   • Insured / Insured Person provides the Company with written proof of delay from the common carrier.
   • Insured / Insured Person provides the Company with the receipts for the necessary emergency purchases of toiletries, medication and clothing that he / she needed to buy.

Note: In the event that claim(s) is submitted for total loss of checked-in baggage as well as temporary delay of checked-in baggage, the higher of the claim(s) shall be payable by the Company in respect of the same item(s) of checked-in baggage during any one period of insurance.

2. In the event that the Company makes any payment or reimbursement under this benefit, it is a condition of such payment that any recovery from any common carrier by the Insured/ Insured Person, or on behalf of the Insured/ Insured Person, under the terms of the Convention for the Unification of Certain Rules Relating to International Carriage by Air,1929 ("Warsaw Convention") the property of the Company.

What it covers
The Company shall pay to the Insured / Insured Person the sum specified in the Schedule to this Policy, in the event of missing a connecting flight or delay in the arrival of the aircraft on which the Insured / Insured Person is or would be traveling for a period exceeding 6 hours. Such payment will cover,

Additional transportation costs to join the trip (must be same class of original tickets purchased)

1. Reasonable accommodations and meals.
2. Non-refundable, unused portion of the prepaid expenses as long as the expense is supported by a proof of purchase and is not reimbursable by another source.

The common carrier must certify the delay of the regular scheduled airline flight

What it covers
The Company shall compensate the Insured / Insured Person as hereunder if a trip is canceled due to any of the following reasons:

1. Unforeseen illness, injury, or death of the Insured / Insured Person or immediate family member of Insured. Injury or illness must be so disabling as to reasonably cause a trip to be canceled and requires emergency hospitalization treatment of minimum 3 days.;
2. Inclement weather conditions causing cancellation of the trip;
3. The place intended to be occupied by the Insured / Insured Person for purposes of his / her stay during the trip or the destination being made uninhabitable by fire or flood.
4. The Insured / Insured Person being abducted;
5. The Insured / Insured Person being the victim of a felonious assault within 10 days prior to the departure date, provided that the Insured / Insured person (including any member of their family) is / are not principal or accessory in such felonious assault.
6. A terrorist incident in a City / destination listed on the Insured / Insured Person's itinerary within 3 days of the Insured / Insured Person’s scheduled arrival. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.

Trip Cancellation Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for trips that are canceled before the scheduled departure date due to any of the reasons mentioned above. The Company will reimburse for the forfeited, non-refundable prepaid payments, made prior to the Insured/Insured Person's departure date.

What it does not cover

1. Common carrier-caused delays, including an announced, organized sanctioned union labour strike that affects public transportation, unless the commencement of the period of insurance is prior to a date when the strike is foreseeable. A strike is foreseeable on the date the labour union members vote to approve a strike.
2. Travel arrangements cancelled or changed by an airline, cruise line, or tour operator, unless the cancellation is the result of bad weather.
3. Changes in plans by the Insured / Insured Person or an immediate Family Member for any reason.
4. Adverse change in financial circumstances of the Insured / Insured Person or any Family Member
5. Any business or contractual obligations of the Insured / Insured Person or any Family Member, except for termination or layoff of employment.
6. Default by the person, agency, or tour operator from whom the Insured / Insured Person obtained this Policy and / or made travel arrangements.
7. Any government regulation or prohibition.
8. An event or circumstance, which occurs prior to the commencement of the period of insurance.
9. On account of a felonious assault, where the Insured / Insured Person or any Family Member of the Insured / Insured Person has been a principal or accessory in the assault committed.
10. Any claim for a flight which is not booked in India;
11. Any claim resulting from the financial failure of:
    • Any scheduled airline at the time the Insured / Insured Person obtained this Policy or booked the ticket;
    • Any scheduled airline that holds another bond or insurance (even if that bond or insurance is not enough to pay the claim in full);

    or

    • Any travel agent, tour operator, booking agent or flight consolidator arranging the booking
12. Any claim that the Insured/Insured Person knew, at the time of purchasing this insurance, about any reason that could cause a claim under this section.
13. Any claim arising or resulting from a charter flight
14. Any claim already paid under Cover 10: Trip Curtailment.

What it covers
The Company shall compensate the Insured / Insured Person for necessary and unavoidable curtailment (shortening by early return to the usual residence) of the trip due to any of the following reasons:

1. Unforeseen death of the Insured / Insured Person's immediate family member.
2. A terrorist incident in a City / destination listed on the Insured / Insured Person’s itinerary which is beyond Insured’s control.
3. The Hijack of an aircraft in which the Insured / Insured person is travelling as a fare paying passenger.

Trip Curtailment Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for those travel and personal accommodation expense that the Insured Person has already paid and which are not recoverable from any other source.

What it does not cover

1. Common carrier-caused delays, including an announced, organized sanctioned union labour strike that affects public transportation, unless the commencement of the period of insurance is prior to a date when the strike is foreseeable. A strike is foreseeable on the date the labour union members vote to approve a strike.
2. Travel arrangements cancelled or changed by an airline, cruise line, or tour operator.
3. Changes in plans by the Insured / Insured Person or an immediate Family Member for any reason.
4. Adverse change in financial circumstances of the Insured / Insured Person or any Family Member
5. Any business or contractual obligations of the Insured / Insured Person or any Family Member, except for termination or layoff of employment.
6. Default by the person, agency, or tour operator from whom the Insured / Insured Person obtained this Policy and / or made travel arrangements
7. Any government regulation or prohibition.
8. An event or circumstance, which occurs prior to the commencement of the period of insurance.
9. On account of a felonious assault, where the Insured / Insured Person or any Family Member of the Insured / Insured Person has been a principal or accessory in the assault committed.
10. Any claim for a flight which is not booked in India;
11. Any claim resulting from the financial failure of:
    • Any scheduled airline at the time the Insured / Insured Person obtained this Policy or booked the ticket;
    • Any scheduled airline that holds another bond or insurance (even if that bond or insurance is not enough to pay the claim in full);

    or

    • Any travel agent, tour operator, booking agent or flight consolidator arranging the booking
12. Any claim that the Insured / Insured Person knew, at the time of purchasing this insurance, about any reason that could cause a claim under this section.
13. Any claim arising or resulting from a charter flight
14. Childbirth, pregnancy or related medical complications
15. Any charges that could have been avoided but were incurred because of any delay in cancelling travel or accommodation.
16. Travel and accommodation expenses for which no value can be derived or he is liable to pay if he paid or committed to such expenses when he knew or should have known of the possibility of curtailment.
17. Any claim already paid under Cover 7: Trip Cancellation and Cover 13: Emergency Travel Expenses

What it covers
The Company shall reimburse the Insured / Insured Person the reasonable additional expenses incurred by the Insured / Insured Person if his / her trip is delayed for more than the specified hours beyond the scheduled time, as mentioned in the Schedule. Incurred additional expenses must be supported by receipts. This benefit is payable only once per trip for-

1. Unforeseen illness, injury, or death of the Insured / Insured Person or Family Member of the Insured Illness or injury must be so disabling as to reasonably cause a travel delay.
2. The place intended to be occupied by the Insured / Insured Person for purposes of stay during the trip or the destination being made uninhabitable by fire, flood, vandalism, burglary, or natural disaster.
3. The Insured / Insured Person being abducted or quarantined
4. The Insured / Insured Person being the victim of a felonious assault within 10 days prior to the departure date, except where the insured / insured person or any Family member of the Insured has been a principal or accessory in the commission of the felonious assault.
5. A terrorist incident in a City / destination listed on the Insured / Insured Person’s itinerary within 30 days of the Insured / Insured Person's schedule arrival.
6. "City" Means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace.
7. Lost or stolen travel documents.
8. Delay caused by the Common Carrier

The reimbursement under this benefit will be limited to the Sum Insured as specified in the Schedule. The deductible in respect of this benefit shall be as specified in the Schedule.

What it does not cover

1. Any delay caused by failure to check in as required by Airlines by Insured or Travel companion.
2. Any government regulation or prohibition
3. An event or circumstance, which occurs prior to the commencement of the period of insurance.
4. Childbirth, pregnancy or related medical complications
5. Any exclusion mentioned in the ‘General Exclusions’ section of this Policy.

In consideration of the payment of additional premium, it is hereby agreed and declared that the Policy is extended to pay for the costs of Hotel accommodation of the Insured under the following circumstances:

• Hospitalization of the insured arising out of illness or accident during the policy period which is covered under "Personal Accident" and "Emergency Accidental Hopitalisation" Sections.
• The Insured are unable to travel on the scheduled Date of Departure as the insured is confined to the hospital and therefore would be required to post pone their date of departure to another date
• Insured would be required to stay in a Hotel from the date of discharge from the hospital of the insured until the revised Date of Departure.
• Subject to the above conditions, The expenses payable under this clause will be the reasonable expenses incurred towards the cost of Hotel accommodation of the insured only from the date of discharge from the hospital of the insured until the revised date of departure or the expiry of seven days from the date of discharge of the insured from the hospital whichever is earlier.

Special Conditions: It is agreed and declared that this benefit shall be extended only if the Hospitalization of the Insured is admissible under the "Personal Accident" and "Emergency Accidental Hopitalisation" Sections of the Policy. The Company's Liability in respect of this Cover shall be limited to the actual expenses of Hotel accommodation or the Sum Insured mentioned in the Policy Schedule whichever is lower.

In the event of the death of an immediate family member of the Insured/Insured Person limited to spouse and dependent children in India, the Company shall reimburse expenses for the emergency return trip of the Insured/Insured Person to be near the family member in the Hospital/Nursing Home in India or his/her original place of residence in India through most direct route by common carrier (economy air travel/ AC train or Bus)

Provided however that the Company’s liability for the expenses relating to this benefit shall in no case exceed the Sum Insured as specified in the Schedule

What it does not cover

1. Any expenses paid under Cover 10: Trip Curtailment.

This benefit does not cover any other loss, directly or indirectly, in whole or in part, including loss caused by or resulting from and exclusion mentioned in the "General Exclusions" section of this policy

Without prejudice to anything contained in this policy, the company shall not be liable to make any payment in respect of:

1. Any claim relating to events occurring before the commencement of the cover or otherwise outside of the period of insurance.
2. Any claim relating to expenses incurred for the treatment of pre-existing disease / conditions / illness / injury.
3. Treatment if that be the sole reason or one of the reasons for the insured / insured person’s travel and temporary stay in his / her current location.
4. Any claim if the insured / insured person.
   • Is traveling against the advice of a physician;
   • Is receiving, or is on a waiting list to receive, specified medical treatment declared in the physician’s report or certificate;
   • Has received terminal prognosis for a medical condition;
   • Is taking part in a naval, military or air force operation
5. Deductibles as specified in the schedule.
6. Any claim arising out of illnesses or injury that the insured / insured person.
   • Has caused intentionally or by committing a crime or as a result of drunkenness or
   • Addiction
7. Any claim arising out of mental disorder, anxiety, stress, depression, venereal disease or any loss, directly or indirectly, attributable to HIV (Human Immuno Deficiency Virus) and / or any HIV related illness including AIDS (Acquired Immuno Deficiency Syndrome) and / or any mutant derivative or variations thereof howsoever caused.
8. Illness and accidents that are results of war and war like occurrence or invasion, acts of foreign enemies, hostilities, civil war, rebellion, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, active participation in riots, confiscation or nationalization or requisition of or destruction of or damage to property by o r under the order of any government or local authority.
9. Any act of terrorism which means an act, including but not limited to the use of force or violence and / or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or governments(s), committed for political, religious, ideological, or ethnic purposes or reasons including the intention to influence any government and / or to put the public, or any section of the public, in fear,
10. Any claim arising from damage to any property or any loss or expense whatsoever resulting or arising from or any consequential loss, directly or indirectly, caused by or contributed to or arising from:
    • Ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel or
    • The radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assem ly or nuclear component thereof.
11. Any claim arising out of sporting activities in so far as they involve the training or participation in competitions of professional or semi-professional sports persons, unless declared beforehand and necessary additional premium paid.

1. Minimum age of the Insured/Insured person shall be 3 months and maximum age shall be 70 years.
2. The Policy start date shall be on or before the trip start date.
3. The Insured / Insured Person shall take all reasonable precautions to prevent illness and injury in order to minimize claims. Failure to do so will prejudice the Insured/Insured Person's claim under this Policy.
4. The Insured / Insured Person shall provide the Company with the details of the trip and other information as may be required by the Company from time to time.
5. Deductible will be charged for each separate incident reported for claims payment, even though the claim may be registered under the same benefit more than once.
6. Claim Procedure - What is to be done in case of a claim?
   • The Insured / Insured Person shall immediately contact the Help Line of the Company stating necessary details. The details of phone numbers and Help Line are given in the Schedule
   • The Insured / Insured Person needs to contact the Help Line number as soon as possible and inform in case the Insured / Insured Person is / will be filing any claim, even if assistance is not required. The Company will not be liable to pay any claim that has not been informed by the Insured /Insured Person to the Help Line of the Company.
   • The Help Line of the Company will verify the identity of the caller by asking appropriate information.
   • In the event of a illness / injury where it is not possible to contact the Help Line before consulting a Physician or going to the Hospital, the Insured / Insured Person shall contact the Help Line as soon as possible. In either case, when being admitted as a patient, the Insured / Insured Person shall show the concerned Physician or personnel this Policy.
   • In case of Emergency Medical Expenses, Emergency Dental Treatment, Repatriation of Mortal Remain, the Company's liability will only attach if these are incurred with the approval of the Company.
   • In case of hijacking, the fact of the incident having occurred should be confirmed by police authorities. The policy report should contain details such as the period of hijack, etc. in rare cases, the company may consider other supporting documents such as a report issued by the airlines, newspaper reports, TV and other media coverage with regard to the particular hijacking incident.
   • In case of all other claims, there shall be necessary prior intimation to the Helpline of the Company, stating the incident / loss
7. Claim Settlement - How to get the claim paid?
   • If the procedure stated above is complied with, the Company will guarantee to the Hospital / other providers the costs of hospitalization, transportation for emergency services, transportation home of the Insured / Insured person including accompanying person, if any. All costs will be directly settled by the Company on the Company's behalf and the same shall constitute due discharge of the Company's obligations hereunder.
   • If the Hospital / other providers do not accept the guarantee of payment from the Company, the Company cannot be held liable for the same. The cost will then have to be borne by the Insured / Insured Person and the same will then be reimbursed by the Company on submission of required documents.
   • All claims shall be paid in India in Indian Rupees
8. Claim Documentation - What documents need to be submitted?
   • The original ticket / boarding pass indicating the travel dates must be submitted with every claim, along with the completed claim form.
   • Original bills / vouchers / reports and discharge summary must be submitted along with all medical claim.
   • Bills / vouchers / reports / discharge summary must mention the name of the person treated the type of illness, details of the individual items of medical treatment provided and the dates of treatment. Prescriptions must clearly show the name of the Insured / Insured Person and the medicines prescribed. The pharmacy bills must clearly show the price and bear the receipt stamp of the pharmacy. In the case of dental treatment, the bills / vouchers / reports must give the details of the tooth treated and the treatment performed. Treatment taken on different dates for separate ailments will be treated as separate claims. The claim forms should clearly indicate the same and supporting documents should be provided for each one. Deductible will apply to each claim separately.
   • For reimbursement of the costs of transporting the mortal remains of the Insured / Insured Person to his / her original place of residence or of costs of burial at his current location, an official death certificate and a physician's statement giving the cause of death needs to be submitted. Medical statements from spouses / relatives will not be accepted. Original bills / receipts of expenses incurred also need to be submitted. These would be paid as per the usual and customary charges incurred for the same.
   • For reimbursement of extra expenses of transportation of Insured / Insured Person to his / her original place of residence, a medical statement from a registered Physician indicating the cause of illness and the necessity of transportation needs to be submitted. Medical statements from spouses / relatives will not be accepted. Original bills / receipts of the expenses incurred need to be submitted also. These would be paid as per the usual and customary charges incurred for the same.
   • In case of total loss of checked-in baggage, a Property Irregularity Report or other report usually issued by the common carriers in the event of loss of checked-in baggage will need to be submitted with the claim form. A letter from the airline will also need to be submitted stating the compensation, if any received from them for the lost baggage.
   • Adequate proof of ownership of items contained within checked-in baggage valued in excess of the Indian Rupee equivalent of Rs 1,000/- for loss / delay of checked-in baggage will need to be submitted
   • Original bills of emergency items purchased and the Property Irregularity Report or any such other report from the airline stating the date and time of arrival of delayed baggage needs to be submitted in case of delay of checked-in baggage claims.
   • For personal accident, original bills / vouchers / reports / discharge summary are to be submitted, mentioning the name of the person treated, the cause of accident, details of the individual items of medical treatment provided and the dates of treatment. In case of death a Post mortem report, Police Report and Death certificate shall also be submitted.
   • For personal liability, proof of judicial decision rendered by a court needs to submitted.
   • For claims under financial emergency assistance benefit, the policy report filed within 24 hours of becoming aware of the robbery needs to be submitted.
   • For claims under trip / flight delay the following documents need to be furnished. Medical reports and doctors' statement or Police report confirming the incident causing the trip delay. All original bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers shall be submitted.
   • For claims under trip cancellation and interruption the following documents need to be submitted. Medical reports and doctors statement if trip is cancelled or interrupted due to medical reasons. If due to employment, termination letter from t he company. If due to other events, police report confirming the incident shall be submitted. All original bills / receipts of reasonable additional expenses incurred and / or proof of cancellation charges levied by the carriers shall be submitted.
   • For claims under missed connection the following documents need to be submitted i.e. confirmation from the airline, mentioning the scheduled arrival time and the actual arrival time. The reason for delay in the flight also needs to be ment oned. All original bills / receipts of reasonable additional expenses incurred and/or proof of cancellation charges levied by the carriers shall be submitted.
   • For claims under emergency Hotel expenses following documents need to be submitted-
     1. Hotel stay proof with payment receipt.
     2. Confirmation of admissibility under section Personal Accident or Emergency Accidental Hopitalisation.
     3. Proof against booking / cancellation of travel ticket.
     4. Any other documents as required by Claims Team
   • For claims under Emergency Travel expenses following documents need to be submitted-
     1. Death certificate of the immediate family member
     2. Original Ticket used for travel by the Insured.
     3. Any other document as required by Claims Team
   • Any other document(s) that the company may require from the Insured / Insured person to process a claim may be asked for
9. Obligations of the Insured / Insured Person:
   • Claims for benefits must be submitted to the Company not later than one (1) month after the completion of the treatment or transportation home, or in the event of death, after transportation of the mortal remains / burial.
   • The Insured / Insured Person shall provide to the Company on demand any information that is required to determine the occurrence of the insurable event or the Company's liability to pay the benefits. In particular, upon request, proof shall be furnished of the actual commencement date of the trip.
   • If requested to do so by the Company, the Insured / Insured Person is obliged to undergo a medical examination by a physician designated by the Company.
   • The Company is authorized by the Insured / Insured Person to take all measures that are suitable for loss prevention and claim minimization which includes the Insured / Insured Person's transportation back to his / her original place of residence.
   • The Company shall be released from any obligation to pay benefits under this Policy, if any, of the aforementioned obligations are breached by the Insured / Insured Person.
10. Transfer and Set-off of Claims:
    • If the Insured / Insured Person has any outstanding claims against third parties, such claims shall be transferred in writing to the Company up to the amount for which the reimbursement of costs is made by the Company in accordance with the terms hereunder.
    • In so far as an Insured / Insured Person receives compensation for costs he/she has incurred either from third parties liable for damages or as a result of other legal circumstances, the Company shall be entitled to set off this compensation against the insurance benefits payable, if any.
    • Claims to the insurance benefits may be neither pledged nor transferred by the Insured / Insured Person.
11. No sum payable under this Policy shall carry any interest / penalty.
12. In the event of the Insured / Insured Person's death, the Company shall have the right to demand the submission of a post mortem / autopsy report.

1. Duty of Disclosure
The Policy shall be void and all premium paid hereon shall be forfeited to the Company, in the event of misrepresentation, mis- description or non-disclosure of any material fact.

In the event of untrue or incorrect statements, misrepresentation, mis-description or non-disclosure of any material particulars in the proposal form, personal statement, declaration and connected documents, or any material information having been withheld, or a Claim being fraudulent or any fraudulent means or device being used by the Policyholder / Insured Person or any one acting on his / their behalf to obtain a benefit under this Policy, the Company may cancel this Policy at its sole discretion and the premium paid shall be forfeited in its favor.

2. Observance of terms and conditions
The due observance and fulfillment of the Policy Terms & Conditions and Endorsements of this Policy in so far as they relate to anything to be done or complied with by the Policyholder / Insured Person, shall be a condition precedent to any of the Company’s liability to make any payment under this Policy.

3. Reasonable Care
The Insured / Insured Person shall take all reasonable steps to safeguard the interests of the Insured / Insured Person against accidental loss or damage that may give rise to a claim.

4. Material change
The Policyholder shall immediately notify the Company in writing of any material change in the risk on account of change in occupation / business at his own expense and the Company may adjust the scope of cover and / or premium, if necessary, accordingly.

5. Records to be maintained
The Policyholder / Insured Person shall keep an accurate record containing all relevant medical & other relevant records and shall allow the Company or its representative(s) to inspect such records. The Policyholder / Insured Person shall furnish such information as the Company may require under this Policy at any time during the Policy Period and up to three years after the policy expiration, or until final adjustment (if any) and resolution of all Claims under this Policy.

6. No constructive Notice
Any knowledge or information of any circumstance or condition in relation to the Policyholder / Insured Person which is in possession of the Company and not specifically informed by the Policyholder / Insured Person shall not be held to bind or prejudicially affect the Company notwithstanding subsequent acceptance of any premium

7. Complete discharge
Payment made by the Company to the Policyholder / adult Insured Person or the Nominee of the Policyholder or the legal representative of the Policyholder or to the Hospital, as the case may be, of any Medical Expenses or compensation or benefit under the Policy shall in all cases be complete and construe as an effectual discharge in favor of the Company.

8. Special Provisions
Any special provisions subject to which this Policy has been entered into and endorsed in the Policy or in any separate instrument shall be deemed to be part of this Policy and shall have effect accordingly.

9. Electronic Transactions
The Policyholder / Insured Person agrees to adhere to and comply with all such terms and conditions as the Company may prescribe from time to time, and hereby agrees and confirms that all transactions effected by or through facilities for conducting remote transactions including the Internet, World Wide Web, electronic data interchange, call centers, tele-service operations (whether voice, video, data or combination thereof) or by means of electronic, computer, automated machines network or through other means of telecommunication, established by or on behalf of the Company, for and in respect of the Policy or its terms, or the Company's other products and services, shall constitute legally binding and valid transactions when done in adherence to and in compliance with the Company's terms and conditions for such facilities, as may be prescribed from time to time.

10. Duties of the Insured / Insured Person on occurrence of loss
On the occurrence of any loss, within the scope of this Policy the Insured / Insured Person shall:

• Forthwith file / submit a Claim Form in accordance with 'Claim Procedure'.
• Allow the Surveyor or any agent of the Company to inspect the lost / damaged properties premises / goods.
• Assist and not hinder or prevent the Company or any of its agents in pursuance of their duties.
• Not to abandon the insured property / items in the premises, nor take any steps to rectify / remedy the damage before the same has been approved by the Company or any of its agents or the Surveyor.

If the Insured / Insured Person does not comply with this provision of this Clause, all benefits under this Policy shall be forfeited, at the option of the Company.

11. Right to inspect
If required by the Company, an agent / representative of the Company including a loss assessor or a Surveyor appointed in that behalf shall in case of any loss or any circumstances that have given rise to the claim to the Insured / Insured Person be permitted at all reasonable times to examine into the circumstances of such loss. The Insured / Insured Person shall on being required so to do by the Company produce all books of accounts, receipts, documents relating to or containing entries relating to the loss or such circumstance in his possession and furnish copies of or extracts from such of them as may be required by the Company so far as they relate to such claims or will in any way assist the Company to ascertain in the correctness thereof or the liability of the Company under this Policy.

12. Position after a claim
The Insured / Insured Person shall not be entitled to abandon any insured property whether the Company has taken possession of the same or not. As from the day of receipt of the claim amount by the Insured / Insured Person, the Sum Insured for the remainder of the period of insurance shall stand reduced by the amount of the compensation.

13. Indemnity
The Company may at its option, if applicable reinstate, replace or repair the property or premises lost or damaged or any part thereof instead of paying the amount of loss or damage or may join with any other insurer in so doing. The Company shall not be bound to reinstate exactly or completely but only as circumstances permit and in reasonably sufficient manner. In no case shall the Company be bound to expend more in reinstatement than it would have cost to reinstate such property as it was at the time of the occurrence of such loss or damage and in any event not more than the sum Insured Person thereon.
If in any case the Company shall be unable to reinstate or repair the insured property / item, because of any law or other regulations in force affecting insured property or otherwise, the Company shall, in every such case, only be liable to pay such sum as would be requisite under this Policy.

14. Subrogation
Subrogation shall mean the right of the Company to assume the rights of the Insured Person / Policyholder to recover expenses paid out under the Policy that may be recovered from any other source.
The Policyholder / Insured Person shall at his own expense do or concur in doing or permit to be done all such acts and things that may be necessary or reasonably required by the Company for the purpose of enforcing and / or securing any civil or criminal rights and remedies or obtaining relief or indemnity from any other party to which the Company is / or would become entitled upon the Company paying for a Claim under this Policy, whether such acts or things shall be or become necessary or required before or after its payment. Neither the Policyholder nor any Insured Person shall prejudice these subrogation rights in any manner and shall at his own expense provide the Company with whatever assistance or cooperation is required to enforce such rights. Any recovery the Company makes pursuant to this clause shall first be applied to the amounts paid or payable by the Company under this Policy and any costs and expenses incurred by the Company of affecting a recovery, where after the Company shall pay any balance remaining to the Policyholder. This clause shall not apply to any Benefit offered on fixed benefit basis.

15. Contribution
Contribution is essentially the right of the Company to call upon other Insurers liable to the same Insured to share the costs of an indemnity claim on a rateable proportion of Sum Insured. If at the time when any Claim arises under this Policy, there is any other insurance which covers (or would have covered but for the existence of this Policy), the same Claim (in whole or in part), then the Company shall not be liable to pay or contribute more than its ratable proportion of any Claim. This clause shall not apply to any Benefit offered on fixed benefit basis.

16. Fraudulent claims
If a Claim is in any way found to be fraudulent, or if any false statement, or declaration is made or used in support of such a Claim, or if any fraudulent means or devices are used by the Policyholder / Insured Person or anyone acting on his / their behalf to obt ain any benefit under this Policy, then this Policy shall be void and all claims being processed shall be forfeited for all Insured Persons and all sums paid under this Policy shall be repaid to the Company by the Policyholder / all Insured Persons who shall be jointly liable for such repayment.

17. Cancellation
The Company may at any time, cancel this Policy, by giving 7 days notice in writing by Registered Post Acknowledgment Due to the Insured / Insured Person at his last known address in which case the Company shall be liable to repay on demand a rateable proportion of the premium for the unexpired term from the date of the cancellation.

18. Cause of Action
No claim shall be payable under this Policy where the cause of action arises in India, unless otherwise specifically provided in the Schedule.

19. Policy Disputes
Any and all disputes or differences under or in relation to validity, construction, interpretation and effect to this Policy shall be determined by the Indian Courts and subject to Indian law.

20. Arbitration clause
If any dispute or difference shall arise as to the quantum to be paid under this Policy (liability being otherwise admitted) such difference shall independently of all other questions be referred to the decision of a sole arbitrator to be appointed in writing by the parties thereto or if they cannot agree upon a single arbitrator within 30 days of any party invoking arbitration, the same shall be referred to a panel of three arbitrators, comprising of two arbitrators, one to be appointed by each of the parties to the dispute / difference and the third arbitrator to be appointed by such two arbitrators and arbitration shall be conducted under and in accordance with the provisions of the Arbitration and Conciliation Act,1996.

It is clearly agreed and understood that no difference or dispute shall be referable to arbitration, as hereinbefore provided, if the Company has disputed or not accepted liability under or in respect of this Policy.
It is hereby expressly stipulated and declared that it shall be a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator / arbitrators of the amount of the loss or damage shall be first obtained.

21. Limitation Period
In no case whatsoever the Company shall be liable for any Claim under this Policy, if the requirement of Clause 13,14 & 15 above are not complied with, unless the Claim is the subject of pending action; it being expressly agreed and declared that if the Company shall disclaim liability for any Claim hereunder and such Claim shall not within 12 calendar months from the date of the disclaimer have been made the subject matter of a suit in court of law then the Claim shall for all purposes be deemed to have been abandoned and shall not thereafter be recoverable.

22. Withdrawal / Revision / Modification of the Product
The Company reserves the right to withdraw, revise or modify this product / policy in the future. The revision/modification may be in respect of Benefits, coverages, premiums, policy terms and conditions & / or exclusions. In the event of any such withdrawal of product the company will notify in advance to the policyholder providing him the option to port to the specified existing health products of the company with continuity benefit. In the event of any revision or modification of the product / terms of policy / premium, the company will notify the policyholder 3 months in advance of such changes.

23. Payment of Interest
In case of delay of seven days or more in payment of claim after the acceptance by the insured, the Company will pay interest on the claim amount at a rate which is 2% above the bank rate for the period of delay

24. Communication
Any communication meant for the Company must be in writing and be delivered to its address shown in the Policy Schedule. Any communication meant for the Policyholder will be sent by the Company to his last known address or the address as shown in the Policy Schedule.
All notifications and declarations for the Company must be in writing and sent to the address specified in the Policy Schedule. Agents are not authorized to receive notices and declarations on the Company's behalf.
Notice and instructions will be deemed served 10 days after posting or immediately upon receipt in the case of hand delivery, facsimile or e-mail.

25. Overriding effect of Policy Schedule
In case of any inconsistency in the terms and conditions in this Policy vis-a-vis the information contained in the Policy Schedule, the information contained in the Policy Schedule shall prevail.

26. Pre-policy Health Check up
The full cost of any pre-policy health check up wherever required shall be borne by the Policyholder / Insured Person

27. Customer Service
If at any time the Insured / Insured Person requires any clarification or assistance, the Insured / Insured Person may contact either the Help Line of the Emergency Assistance Service Provider or the Policy issuing office of the Company at its address during normal office hours.

28. Grievances
If the Policyholder has a grievance that the Policyholder wishes the Company to redress, the Policyholder may contact the Company with the details of his grievance through:

If the Policyholder is not satisfied with the Company's redressal of the Policyholder's grievance through one of the above methods, the Policyholder may approach the nearest Insurance Ombudsman for resolution of the grievance.The contact details of Ombudsman offices are mentioned below

The details of Insurance Ombudsman are available on IRDA website : www.irda.gov.in, on the website of General Insurance Council : www.gbic.co.in, the Company's website www.reliancegeneral.co.in or from any of the Company's offices. Address and contact number of Governing Body of Insurance Council – (Monitoring Body for Offices of Insurance Ombudsman)
3rd Floor, Jeevan Seva Annexe, Santacruz(West), Mumbai – 400054, Tel: 022-26106671 / 6889
Email id: inscoun@gbic.co.in

IRDAI Registration No. 103.
UIN: IRDA/NL-HLT/RGI/P-T/V.I/316/13-14