Insurance

Vtrips primarily provides emergency medical coverage for unforeseen sicknesses, injuries or accidents that may occur after the effective date of the policy. Various medical policy maximums and deductible choices are typically available.

Additionally, it would also provide coverage for emergency medical evacuation, repatriation of remains, accidental death and dismemberment (AD&D), loss of checked luggage, emergency assistance and more.

For executives or frequent travelers that travel multiple times throughout the year but each trip length is limited to 30, 45 or 70 days (depending upon the policy), they can purchase multitrip travel insurance. Such plans are essentially travel medical insurance plans that are purchased on an annual basis and provide coverage for any number of trips as long as each trip length is limited to the allowed number of days.

It would pay for accidental death or dismemberment (losing a limb or two, such as a hand, leg or eye) while on the trip. Typically, you can get higher coverage for accidental death while riding in a common carrier (public transport).

Choose traveling region to save on premium

Region specific plans - hence low cost , High features.

Double Sum Insured in case of hospitalization due to accident.

No per aliment limit. No upper age limit.

Pay per Day rates instead of slabs

Up gradation to Business class.

Cashless claim settlement.

Plan Options
Plan Detail		Explore Asia	Explore Africa	Explore Europe	Explore Canada+	Explore Gold	Explore Platinum
Geographical Scope		Asia	Africa	Europe	Worldwide Excluding US	Worldwide / Worldwide excluding US and Canada
Sum Insured (in '000)		US $ 25, 50 & 100	US $ 25, 50 & 100	€ 30 & 100	US $ 50 & 100	$ 50, 100, 300 & 500
Benefit	Deductible
Hospitalization Expenses		Yes	Yes	Yes	Yes	Yes	Yes
In-patient Care	US $ 100/€ 75	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI
Life Threatening Condition for PED	US $ 100/€ 75	10% of SI	10% of SI	10% of SI	10% of SI	10% of SI	10% of SI
Additional SI for Accidental Hospitalization	US $ 100/€ 75	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI
Out-patient Care	US $ 100/€ 75	20% of SI	20% of SI	€ 30,000	US $ 50,000	US $ 50,000	US $ 50,000
Daily Allowance	2 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days
Compassionate Visit	-	-	-	-	-	-	US $ 5,000
Return of Minor Child	-	-	-	-	-	-	US $ 2,000
Up-gradation to Business Class	-	US $ 1,000	US $ 1,000	US $ 750	US $ 1,000	US $ 1,000	US $ 1,000
Dental Expenses	US $ 100/€ 75	US $ 300	US $ 300	US $ 300	US $ 300	US $ 300	US $ 300
Personal Accident	-	US $ 15,000	US $ 15,000	US $ 15,000	US $ 15,000	US $ 15,000	US $ 15,000
Common Carrier Accidental Death	-	-	-	-	-	-	US $ 5,000
Medical Evacuation	-	US $ 10,000	US $ 10,000	€ 30,000	US $ 50,000	US $ 50,000	US $ 50,000
Repatriation of Mortal Remains	-	US $ 10,000	US $ 10,000	€ 30,000	US $ 50,000	US $ 50,000	US $ 50,000
Trip Cancellation & Interruption	-	US $ 1,000	US $ 1,000	€ 750	US $ 1,000	US $ 1,000	US $ 1,000
Trip Delay	12 hours	US $ 500	US $ 500	€ 300	US $ 500	US $ 500	US $ 500
Loss of Checked-in Baggage	-	US $ 100	US $ 100	€ 100	US $ 100	US $ 100	US $ 100
Delay of Checked-in Baggage	12 hours	US $ 100	US $ 100	€ 100	US $ 100	US $ 100	US $ 100
Loss of Passport	-	US $ 300	US $ 300	€ 250	US $ 300	US $ 300	US $ 300
Personal Liability	-	US $ 100/€ 75	US $ 100,000	€ 75,000	US $ 100,000	US $ 100,000	US $ 100,000
Trip Options
Single Trip		Yes	Yes	Yes	Yes	Yes	Yes
Multi Trip (Policy will be on annual basis)		No	No	No	No	Yes	Yes
Trip Duration (days)
Minimum		2	2	2	2	2	2
Maximum (Single Trip)		365	365	365	365	365	365
Maximum (Multi Trip)		-	-	-	-	45 or 60 days	45 or 60 days
Entry Age - Single Trip
Minimum		1 day	1 day	1 day	1 day	1 day	1 day
Maximum		No Age Bar	No Age Bar	No Age Bar	No Age Bar	No Age Bar	No Age Bar
Entry Age - Multi Trip		-	-	-	-	Yes	Yes
Minimum		-	-	-	-	1 day	1 day
Maximum		-	-	-	-	70 years	70 years
Sub-limits applicable (For age 61 years and above) As per Appendix		Yes	Yes	Yes	Yes	Yes	No
Family Option ^*		Yes	Yes	Yes	Yes	Yes	Yes

What is not covered?

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
War and Nuclear perils or consequences thereof
Ionising Radiation or contamination arising out of the same
Any intentional self-injury, suicide or attempted suicide
Any claim relating to hazardous activities
The insured being involved in Breach of law
HIV/AIDS

STEP 1
Claim Intimation

In case of emergency,please intimate us within 24 hours of hospitalisation.
If planned hospitalisation,intimate us 48 hour prior to your admission.

1800-102-4488

1800-200-6677

Customerfirst@ religarehealthinsurance.com

Cashless Request for Pre-Authorization

Complete the pre-authorisation form available at the hospital's insurance/TPA Desk and send us through email/fax.This form can also be downloaded from here .

Approved letter sent by the claim management team.
Hospital/Insurance to respond to any query raised by the claim management team.
You may initiate the treatment and file for reimbursement claim.

Re-imbursement Claim Form Submission

Submission of claim form along with required documents, as per the policy terms and conditions.The form can also be downloaded from here .

Approved letter sent by the claim management team.
Insured to respond to query, if any, raised by the claim management team
We will communicate the reason in case of rejection

Please click here to see the detailed policy Terms & Conditions.

Travelling To

Scheme

Start Date

End Date

PED

Travellers

Traveller's Age

Mobile

Sum Insured ($ in 000)

25 50 100

Value:

Our Policies with Religare

ProductID	OPTIONCD	DESCRIPTION	COVERTYPECD
40001001	001	USD 25000	INDIVDUAL
	002	USD 50,000	INDIVDUAL
	003	USD 100000	INDIVDUAL

4001002	001	USD 25,000	INDIVDUAL
	002	USD 50,000	INDIVDUAL
	003	USD 1,00,000	INDIVDUAL

4001003	001	EURO 30,000	INDIVDUAL
	002	EURO 1,00,000	INDIVDUAL

4001003	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL

4001004	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL

4001005	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL
	003	USD 3,00,000	INDIVDUAL
	004	USD 5,00,000	INDIVDUAL

4001006	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL
	003	USD 3,00,000	INDIVDUAL
	004	USD 5,00,000	INDIVDUAL

4001007	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL
	003	USD 3,00,000	INDIVDUAL
	004	USD 5,00,000	INDIVDUAL

4001008	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL
	003	USD 3,00,000	INDIVDUAL
	004	USD 5,00,000	INDIVDUAL

ProductID	OPTIONCD	DESCRIPTION	COVERTYPECD
4001009	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL
	003	USD 3,00,000	INDIVDUAL
	004	USD 5,00,000	INDIVDUAL

4001010	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL
	003	USD 3,00,000	INDIVDUAL
	004	USD 5,00,000	INDIVDUAL

4001011	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL
	003	USD 3,00,000	INDIVDUAL
	004	USD 5,00,000	INDIVDUAL

4001012	001	USD 50,000	INDIVDUAL
	002	USD 1,00,000	INDIVDUAL
	003	USD 3,00,000	INDIVDUAL
	004	USD 5,00,000	INDIVDUAL

4001013	001	USD 25,000	INDIVDUAL
	002	USD 50,000	INDIVDUAL
	003	USD 100,000	INDIVDUAL

4001014	001	USD 25,000	INDIVDUAL
	002	USD 50,000	INDIVDUAL
	003	USD 100,000	INDIVDUAL

4001015	001	EURO 30,000	INDIVDUAL
	002	EURO 100,000	INDIVDUAL

4001016	001	USD 25,000	INDIVDUAL
	002	USD 50,000	INDIVDUAL