Reliance Inland Travel Care Policy

What it covers
The Company shall compensate the Insured / Insured Person f o r t h e sum specified in the schedule of the policy, in the event of a trip is canceled due to flight cancellation by the Common Carrier.

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. This Section is valid only for travel by the following Flight Operators viz., Vistara/Spice- jet/Go-air/Air-Asia/Air-India/Indigo.

What it does not cover?

• 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.
• Changes in plans by the Insured/Insured Person or an immediate Family Member for any reason.
• Adverse change in financial circumstances of the Insured/ Insured Person or any Family Member
• Any business or contractual obligations of the Insured/Insured Person or any Family Member, except for termination or layoff of employment.
• Default by the person, agency, or tour operator from whom the Insured / Insured Person obtained this Policy and/or made travel arrangements.
• Any cancellation of flight due to government regulation or prohibition. (For example. flights cancelled due to pandemic/epidemic)
• An event or circumstance, which occurs prior to the commencement of the period of insurance.
• 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.
• Any claim for a flight which is not booked in India;
• Cancellation of the flight is not made by the Flight operator/Common Carrier.
• Common Carrier offers an alternate flight to the same destination city within 6 hours of original scheduled flight departure.
• 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
• Written confirmation from Common Carrier regarding cancellation of the flight is not provided and/or is not clear
• 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.
• Any claim arising or resulting from a charter flight.

What it covers
The Company shall pay to the Insured / Insured person the sum specified in the schedule of the policy, in the event of delay of arrival at the airport due to unforeseen circumstances* causing the Insured person to miss the boarding of the regular scheduled flight .We will reimburse the additional expenses incurred in booking the new flight tickets upto mentioned limit in the policy schedule.

*Unforeseen circumstances:-

• sudden Illness or injury causing hospitalization of the Insured Person or the travelling Insured Person’s parent, spouse or child
• The vehicle in which Insured Person was travelling is involved in an accident
• failure of public transport services
• inclement weather conditions
• Death of the Insured Person or the travelling Insured Person’s parent, spouse or child f. Insured / Insured Person being the victim of a felonious assault
• Lost or stolen travel documents

Special Conditions

• For eligibility of claim –
  • The common carrier shall certify that the Insured person has missed the flight through a missed flight certificate.
  • Original proof of new flight booking with ticket copy and supporting documents need to be submitted.
  • The next flight booked by the Insured person should be within 4 hours of the original scheduled departure time mentioned in the ticket copy/ Invoice.
  • The next flight booked should be scheduled within 24 hours of the original scheduled departure time with the same destination mentioned in the original ticket .
  • The claimant needs to intimate the Helpline of the company stating the incident within 24 hours of the original flights date and time.
• The new flight booking time and date should be later than the original flight’s date and time. Any new flight booked before the original flight’s date and time will be excluded under the policy.
• The policy is valid only if the new flight booked by the Insured person is in the same airline class and sector of the original ticket . The company shall cover only economy class tickets falling under the same class of the original ticket.
• The new flight ticket can only be purchased for the passenger who has missed the flight under the policy and cannot be transferred to another Individual.
• The company shall reimburse the cost of new flight if the same cannot be recovered from any other source. Additional transportation costs or join the trip (must be same class of original tickets purchased)

What it covers
The Company shall pay to the Insured / Insured person the sum specified in the schedule of the policy, in the event of the flight is diverted to a different city “airport” other than the scheduled arrival city.

Special Conditions

• The claimant needs to intimate the Helpline of the company stating the incident within 48 hours of the original flights date and time.
• The Benefit under this Section can be availed only once per passenger per trip.
• The claimant needs to submit the proof of such diversion to the Company obtained from the Common carrier.

What it does not cover:

• 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.
• Any diversion of the flight to a different city informed / declared before flight take off by the Common carrier.
• Any claim arising or resulting from a charter flight.
• Any temporary diversion without passengers being ask

What it covers
The Company shall pay the Insured / Insured Person upto the sum insured as mentioned in the policy schedule , if the Insured /Insured Person's trip is delayed for more than two (2) hours from the scheduled time. Incurred expenses must be supported by receipts. This benefit is payable only once per trip on account of the following unforeseen reasons:

• Inclement weather conditions causing delay. This must be authenticated by a letter from the common carrier.
• Delay due to sudden and unannounced strike by the employees of the Scheduled Common Carrier.
• Delay caused due to equipment failure of scheduled airlines
• Cancellation or rescheduling of flights done at the instance of 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:

• Any delay, which was made public or known to Insured Person at least 6 hours prior to the scheduled departure of the Common Carrier.
• Any cancellation of flight due to government regulation or prohibition.
• Any delay due to pandemic/epidemic).
• 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
• 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.
• Any claim arising or resulting from a charter flight.
• Changes in plans by the Insured/Insured Person or an immediate Family Member for any reason.
• Pandemic/Epidemic
• An publicly announced, organized sanctioned strike or 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.

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 by more than 4 hours from the expected time of delivery by the flight operator. Cover is limited to the travel destinations specified in the main travel ticket. 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. 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.

Special Conditions

• The claimant needs to intimate the Helpline of the company stating the incident within 48 hours of the original flights date and time.
• The Benefit under this Section can be availed only once per trip.
• The Insured Person needs to provide Baggage delay certificate from the Common Carrier mentioning the number of hours of delay after actual arrival of flight on scheduled airport.
• The benefit will be payable on individual basis only to a single customer irrespective of the number of individuals travelling in a single PNR.

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:

• Valuables and money, all kinds of securities and tickets/passes or any other item(s) not declared to, and agreed to by, the Company.
• 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. Any partial loss of the items contained within the checked-in baggage.
• Items contained within the checked-in baggage, which are valued without appropriate proof of ownership.
• Losses arising from any delay, detention, confiscation by customs officials or other public authorities.
• Loss due to complete/partial damage of the checked- in baggage.
• Any exclusion mentioned in the 'General Exclusions' section of this Policy.

Note: In the event that claim(s) is submitted for total loss/damage 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.

• Minimum age of the Insured/Insured person shall be 3 months and maximum age shall be 70 years.
• The maximum number of travel days under a single trip that may be insured, with all the extensions and policy period put together, under the policy, shall be 15 days.
• The Policy start date shall be on or before the trip start date.
• A policy may not extended if a claim is already filed by the Insured/Insured Person. If the Insured/Insured Person does not declare the claims filed or the claims that are to be filed under the original policy, then any extension of the policy if granted shall be deemed to be invalid. No refund of premium will be given in case of extensions so invalidated. The company will also not be liable to pay any claim filed under the extended policy.
• Termination of the policy at a date earlier than the end date can be done only if the insured/insured person returns back to his/her original place of residence earlier than the end date of the policy. Refund of premium for the days between the arrival date and the end date of the policy will be given after adjusting cancellation charges, if any. Premium refunded will be equal to the amount of premium to be paid for the original policy duration minus the premium to be paid by taking the arrival date as the new end date.
• 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.
• 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.
• 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.
• 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 all other claims, there shall be necessary prior intimation to the Helpline of the Company, stating the incident/loss.
  • The claimant needs to intimate the Helpline of the company stating the incident within 48 hours of the original flights date and time.
• Claims 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 hospitalisation, 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
• Claims 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 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.
  • In case of total loss/damage of checked-in baggage, a Property Irregularity Report or other report usually issued by the common carriers in the event of loss/damage 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. The Company will compensate the Insured / Insured Person for the repair/loss of checked-in baggage in the event of total and complete loss or damage of such checked-in baggage caused by a common carrier up to the limits as specified in the Schedule provided that:
    • Proof of damage/total loss from the Common Carrier is required.
    • Bag tag issued for the damaged or lost bag .
    • Insured has provided all reports, documents and other details concerning the loss to the Company.
    • Only one claim will be payable per passenger per trip.
    • 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.
  • For eligibility of claim under Missed Connection -
    • The common carrier shall certify that the Insured person has missed the flight through a missed flight certificate.
    • Original proof of new flight booking with ticket copy and supporting documents need to be submitted.
    • The next flight booked by the Insured person should be within 4 hours of the original scheduled departure time mentioned in the ticket copy/ Invoice.
    • The next flight booked should be scheduled within 24 hours of the original scheduled departure time with the same destination mentioned in the original ticket.
    • The claimant needs to intimate the Helpline of the company stating the incident within 24 hours of the original flights date and time.
  • For eligibility of claim under Diverted flight - The claimant needs to submit the proof of such diversion to the Company obtained from the Common carrier.
  • For delay of checked in baggage claim -The Insured Person needs to provide Baggage delay certificate from the Common Carrier mentioning the number of hours of delay after actual arrival of flight on scheduled airport. 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 claims under trip delay must be supported by documentary evidence that you had reached the port of scheduled departure on time e.g. security stamped boarding pass. 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 the claimant needs to submit Flight Cancellation communication from the Common Carrier. All original bills / receipts of reasonable additional expenses incurred and/or proof of cancellation charges levied by the carriers shall be submitted.
  • Any other document(s) that the company may require from the Insured / Insured person to process a claim may be asked for
• 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.
• 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.
• No sum payable under this Policy shall carry any interest /penalty.
• 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.

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.

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.

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.

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.

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.

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.

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.

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.

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‟sother 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.

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. c) 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.

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.

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.

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.

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.

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.

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 obtain 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.

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.

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.

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.

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.

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

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.

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

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.

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.

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

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.

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 updated details of Insurance Ombudsman are available on IRDA website: www.irdai.gov.in, on the website of General Insurance Council: www.giccouncil.in, our website www.reliancegeneral.co.in

IRDAI Registration No. 103