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Buy Travel Insurance Online | Reliance General Insurance | Secure Your Trip Now

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Buy Travel Insurance Online | Reliance General Insurance | Secure Your Trip Now

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Reliance General Insurance offers best travel insurance plans in India. Buy or renew travel insurance policy online & get covered for medical emergencies, trip cancellation, lost baggage, etc. Protect yourself from travel risks with travel insurance policy now.

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Flight tickets? Check! Hotel reservations? Check! Shopping for your vacation? Check! We plan our vacation to perfection, ensuring that we have as much fun as possible without going through any trouble. What about unforeseen and unexpected circumstances such as falling sick in a strange country, loss or theft of your baggage, flight delays, etc.​? We can now take care of these events too by purchasing a Reliance travel Insurance policy and providing you with an option to compare different travel insurance policies before choosing the best one. Only a prudent person would safeguard his vacation from these risks. In case you are even smarter, ensure you compare travel insurance policies online to avail the best benefits in the cheapest rates.​ Reliance General Insurance offers enticing Travel Insurance policies that take care of all your hassles while you enjoy your vacation. Reliance General Insurance has tailored international travel insurance plans for you when you are travelling abroad. So, compare the travel insurance policies and choose what suits you the best. Take advantage of our overseas travel insurance policy to feel safe in a foreign country. We have specialized travel insurance plans for Asian and Schengen countries which gives you a customized coverage to suit the needs of these regions. In case you are a frequent traveler, don't bother buying a policy for every single trip. Our Annual Multi-trip travel insurance policy offers coverage for multiple trips in the same year. We even cover Senior Citizens under a policy which is made keeping in mind their special needs. Don't forget to compare travel insurance policies by Reliance to get the most affordable policy that suits your needs. Safeguard your entire family's holidays against any unforeseen event by buying a Reliance Travel Insurance policy online.​​

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Buy TraveTravel Insurance - Buy Best Travel Insurance Online | Reliance General Insurance

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Flight tickets? Check! Hotel reservations? Check! Shopping for your vacation? Check! We plan our vacation to perfection, ensuring that we have as much fun as possible without going through any trouble. What about unforeseen and unexpected circumstances such as falling sick in a strange country, loss or theft of your baggage, flight delays, etc.​?

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Buy Health Wise Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Buy Health Wise Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on health wise insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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HealthWise: Buy Medical Insurance Online with Covid-19 Coverage*

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Buy medical insurance policy online! HealthWise Offers Upto 15% disc. 8000+ Cashless Hospitals, 100% Claim Settlement Ratio* Coronavirus Coverage* EMI Available.

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Buy Reliance Health Infinity Insurance Online | Best Deals & Coverage

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Buy Reliance Health Infinity Insurance Online | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on health infinity insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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healthinfinity2

Key Features

Basic Benefits

Sum Insured (in ₹)

5 Lakhs to 5 Crores

Inpatient Care

No sub limits

Special Treatments (in ₹)

<10 lakhs covers up to 50% of SI &
>= 10 lakhs covers 100% SI

Day Care Procedures

Within Sum Insured

Domiciliary Hospitalisation

Within Sum Insured

Organ Donor

Within Sum Insured

AYUSH Beneﬁt

Within Sum Insured

Pre-Hospitalisation Medical Expenses

Covered Up to 90 days (Within Sum Insured)

Post-Hospitalisation Medical Expenses

Covered Up to 180 days (Within Sum Insured)

Emergency Ambulance

Within Sum Insured

Transportation Beneﬁt

Maximum up to ₹500 per hospitalisation within Sum Insured

Restore Beneﬁt

On subsequent claim, one restore up to 100% SI for unrelated*** illness/injury

More^ Benefit Options

MoreCover (in ₹)

2 Lakhs to 1.5 Crores

MoreTime

Extend your policy to 13 months if policy period is 1 year or
Extend your policy to 26 months if policy period is 2 years

MoreGlobal

Covers emergency hospitalization and day care treatment up to 100% of SI, (Within Sum Insured Sub-limit of ₹50 lakhs or SI whichever is lower for Planned In-Patient Treatment).

Details

Criteria

Age

Child: 91 days to 25 years
Adult: 18 years to 65 years

Family Composition for Floater policy

Maximum 8 members - 2 Adults and up to 6 children

Policy Period

1 year, 2 years & 3 Years

Sum insured (₹)

5 Lakhs to 5 Crores

Details

Duration

Initial waiting period

30 days from the start of the policy date towards treatment of any illness except claims related to an accident.

Specific waiting period

2 years of waiting period applies on specific diseases. A continuous coverage of 24 months is essential after the date of inception of the first policy.

Pre-existing Diseases waiting period

3 years waiting period for expenses related to the treatment of PED. A continuous coverage of 36 months is essential after the date of inception of the first policy.

You can choose between cashless and reimbursement claims as per your convenience. For cashless claims, you must get treated at a network hospital where the insurer would settle the bills directly with the hospital authorities. If you want reimbursement claims, pay your bills initially and retain the original bills and receipts. Submit the original bills when you raise the claim.

While Health Infinity covers a lot for you, there are some situations where it doesn't apply. Here's a list of all medical exclusions in Reliance Health Infinity:

Illness or injury resulting from the use of alcohol, tobacco, narcotics or psychotropic substances

Self-detachable or removal artificial body parts

Treatment outside India except if opted for MoreGlobal

Unregistered hospitals

Correction of eye sight except to the extent covered in Special Treatment

Cosmetic, aesthetic and re-shaping treatment and surgeries unless required because of illness or injury

Alternative treatments except to the extent covered in AYUSH Benefit

Out-patient basis treatment

Unproven/Experimental treatments

Admission primarily for diagnostics and evaluation only

Any diagnostic expenses not related / not incidental to covered illness

Run-down condition i.e. rehabilitation, convalescence

Hearing aids, spectacles or contact lenses except covered in Special Treatment

External congenital anomaly

Any form of hormone replacement therapy (HRT) and/or administration of other hormonal medication

Venereal disease, sexually transmitted disease or illness

Maternity expenses

Infertility, Sterility, Birth control

Treatment and supplies for analysis and adjustments

Dental treatment

Non-payable items as per Annexure

Treatment rendered by a doctor outside his discipline

Treatment or drug not supported with prescriptions

Investigation & Evaluation

Rest cure, rehabilitation and respite care

Obesity/ Weight Control

Change-of-Gender treatments

Excluded Providers

Wellness and Rejuvenation

Dietary Supplements and Substances

Refractive Error less than 7.5 dioptres

Click here to read the policy wordings to know more about the exclusions of Health Infinity Insurance.

A decent policy by Reliance which covers hopitalization and helped me recover expenses.

It is a good health insurance policy which cover hospitalization and helped me avail cashless hospitalization

I could select and customize the health insurance plan as per my needs. It was good to purchase the health insurance plan as needed.

Untitled Document

*T&C apply | reliancegeneral.co.in | +91 22 48903009 (paid) | IRDAI Registration No. 103. Reliance General Insurance Company Limited. Registered and Corporate Office: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai- 400063. Corporate Identity Number: U66603MH2000PLC128300. Trade logo displayed above belongs to Anil Dhirubhai Ambani Ventures Private Limited and used by Reliance General Insurance Company Limited under License.

Best viewed with IE 9+, Firefox 30+ and Chrome 29+ with a resolution of 1024x768

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healthinfinity2 Key Features Basic Benefits Sum Insured (in ₹) 5 Lakhs to 5 Crores Inpatient Care No sub limits Special Treatments (in ₹) = 10 lakhs covers 100% SI Day Care Procedures Within Sum Insured Domiciliary Hospitalisation Within Sum Insured Organ Donor Within Sum Insured AYUSH Beneﬁt Within Sum Insured

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Buy Hospi-Care Health Insurance | Reliance General Insurance | Best Deals & Coverage

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Buy Hospi-Care Health Insurance | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on hospi-care health insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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Buying Hospi-Care health insurance gives you exceptional benefits ✓150+ surgeries ✓lumpsum cash benefits ✓98% claim settlement ratio, and more. Learn more at Reliance General Insurance.

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Reliance General Insurance offers the best deals and coverage on saral suraksha health insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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Reliance General Insurance offers the best deals and coverage on covid rakshak health insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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Reliance General Insurance offers the best deals and coverage on covid kavach health insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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​

​Co​vid​-19​​

Hospitali​sation Expenses

​Home Care​

Treatment Expenses​

​​

​ ​​​

​​​​The global pan​demic novel Coronavirus (COVID-19) has affected millions of people around the world, and the count is increasing day by d​ay. Since COVID-19 is a novel disease with no specific vaccines or treatments, all the Coronavirus infected patients are been treated in hospitals & the treatment expense are very high. To avoid the financial burden & take care of hospit​​alization​ expense, one should opt for a comprehensive health cover.

What does Corona Kavach Policy Cover?​​

Corona Kavach Policy, Reliance General​ is an affordable Health Insurance policy that protects you and your family against hospitalization expenses due to COVID-19. The coverage starts from the day you get diagnosed with COVID-19 infection. However, this health insurance has a standard waiting period of 15 days.​

What does Corona Kavach Policy Cover?​

Benefits

Description

Product Type

Individual & ​Floater

Sum Insured

50K, 1L, 1.5L, 2L, 2.5L, 3L, 3.5L, 4L, 4.5L, ​5L

Policy Period

​3½ months​ (105 days), 6½ months (195 days) and 9½ month​s​ (285 days)​

Waiting Period

​15 Days waiting period

Eligibility

Child Age:​​​​ 1 day to 25 yrs* | Adult Age: 18 yrs to 65 yrs*​

Base​​ Covers for Corona Kavach Policy

Hospitalisation Cover

Covers Medical Expenses incurred on Hospitalisation due to Diagnosis of presence of COVID-19

Room, Boarding, Nursing Expenses as provided by the Hospital/Nursing Home

Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees#​ whether paid directly to the treating doctor/surgeon or to the hospital

Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, ventilator charges, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities, PPE Kit, gloves, mask and such other similar expenses (Expenses on Hospitalization for a minimum period of 24 hours are admissible)

Intensive Care Unit (ICU)/Intensive Cardiac Care Unit (ICCU) expenses

Expenses incurred on road Ambulance subject to a maximum of Rs.2000/- per hospitalization

Home Care Treatment Cover

Covers the medical expenses during home treatment for COVID for a maximum of 14 days during the policy period

Diagnostic tests undergone at home or at diagnostics center

Medicines prescribed in writing

Consultation charges of the medical practitioner

Nursing charges related to medical staff

Medical procedures limited to parenteral administration of medicines

​Cost of Pulse oximeter, Oxygen cylinder and Nebulizer

AYUSH Treatment

The medical expenses for in-patient treatment** taken under Ayurveda, Unani, Siddha and Homeopathy for COVID positive diagnosis are covered up to the sum insured without any sub-limits.

Pre-Hospitalisation Cover

Covers the Medical Expenses incurred up to 15 days prior to date of Hospitalisation​​

Post-Hospitalisation Cover

Covers the Medical Expenses incurred up to 30 days post discharge from the Hospital​

​Coverage: ​Add-On

Hospital Daily Cash Cover

Daily cash pay-out for each 24 hours of hospitalisation for a maximum up to 15 days. Applicable for hospitalisation cover only.

​#​Including consultation through telemedicine as per Telemedicine Practice Guideline of 25th March 2020
*​*Treatment taken in a government authorized hospitals​
​

What Should You Know About Corona Kavach Policy Cancellation?

​

The company may cancel the policy at anytime on grounds of mis-representation, non-disclosure of material facts, fraud by insured person, by giving 7days written notice. There would be no refund of premium on cancellation on grounds of mis-representation.

​

Exclusions of Corona Kavach Policy***

All permanent exclusions shall apply individually for each insured person under the Corona Kavach Policy, Reliance General and claims shall be assessed accordingly​

Treatment taken for any pre-existing disease

Travel to any restricted countries

Diagnosis done at unauthorized testing centres

Diagnosis/Treatment taken outside India

Expenses incurred on Day Care & OPD Treatment​​

Claims related to COVID where the diagnosis prior to policy start date

Dietary Supplements and Substances purchased without prescription

​Expenses done for Unproven Treatments which lacks significant medical documentation

Click ​​here to​ view​ the declined list of health issues before buying Corona Kavach policy.​

***All exclusions are subject to terms and conditions of the policy, please read complete policy wordings before concluding sales​​​​​​​

Clic​k here to re​ad the policy wordings to know more about the exclusions of Corona Kavach Policy, Reliance General​​​. Corona Kavach Policy, Reliance General product UIN: RELHLIP21092V012021​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​

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corona kavach health insurance for family

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Buy Corona Kavach Health Insurance Policy | Reliance General Insurance

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​ ​Co​vid​-19​​ Hospitali​sation Expenses ​Home Care​ Treatment Expenses​ ​​ ​ ​​​ ​​​​The global pan​demic novel Coronavirus (COVID-19) has affected millions of people around the world, and the count is increasing day by d​ay. Since COVID-19 is a novel disease with no specific vaccines or treatments, all the Coronavirus infected patients are been treated in hospitals & the treatment expense are very high.

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Buy Health Gain Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on health gain policy. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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Get a unique set of benefits starting at ₹243/month#

TAX SAVING
U/S 80D##

98.6% CLAIMS
SETTLED

9,100+ CASHLESS
HOSPITALS

What is Reliance Health Gain Insurance?

Health Gain is a Health Insurance policy, which is available in Individual as well as Family Floater Plans, with benefits such as cashless hospitalization, reinstatement of base sum insured, pre and post hospitalization expenses, and numerous add-on features.

Why choose Reliance Health Gain Insurance?

Sum Insured Options

Plus

Power

Prime

New Business Base Sum Insured (in lakhs)

3, 5

10, 15, 20

25, 30, 50, 100

Renewal Business/ Call Option Base Sum Insured (in lakhs)

3, 5, 6, 9

10, 12, 15, 18, 20, 24

25, 30, 36, 40, 48, 50, 60, 72, 80, 100

Take a look at the Eligibility Criteria

Entry Age (Maximum)

65 years (No entry age bar for a sum-insured of ₹3 lakhs)

Entry Age (Minimum)

Dependent children can be covered from 91 days to 25 years of age under Floater Cover. Children above 5 years can be covered under an Individual Cover with at least one member aged 18 years or above as prosper

Exit Age

No exit age. This policy offers lifelong renewability

Individual policy

Maximum 8 members can be covered on individual sum-insured basis (Self, Spouse, Son, Daughter, Father, Mother, Father-in-law, Mother-in-law, Brothers, Sisters, Grand Parents, Grand Children, Daughter-in-law and Son-in-law)

Family Floater Policy

Plus - Maximum of 2 Adults (Self + Spouse) and 6 children
Power - Maximum of 4 Adults (Self+ Spouse + one set of dependent Parents or Parents-in-law) and 6 children
Prime - Maximum of 6 Adults (Self + Spouse + set of dependent Parents + set of Parents in law) and 6 children

Waiting Period for Reliance Health Gain Insurance

First 30 days waiting period

30 days waiting period applicable from the start of the policy date towards treatment of any illness except for claims related to an accident.

Pre-Existing Disease Waiting

3 years waiting period for expenses related to the treatment of PED. A continuous coverage of 36 months is essential after the date of inception of the first policy.

Specific Waiting Period+

2 years waiting period applies to specific diseases. A continuous coverage of 24 months is essential after the date of inception of the first policy.

Covid-19 Waiting Period

15 days waiting period for Covid-19 treatment from the first policy commencement date.

+ For detailed list of diseases, do read the prospectus / policy wordings available on our website www.reliancegeneral.co.in

Understand Coverage Offered by Health Gain Insurance Policy

Inclusions of the Insurance
At Reliance Health Insurance, we try and provide the best for our customers, to ensure they have a lot under one umbrella. The inclusions of the policy are:

Hospitalization expenses

Domestic Road Ambulance

Domiciliary Hospitalization

Modern Treatment

Pre and post hospitalization

Organ doner expenses

Reinstatement of Base Sum Insured

Extra Sum Insured

Accidental Death Cover

Waiver of Premium

Cumulative Bonus

Call Option for Enhancement of Base Sum Insured

Loyalty cover

Wellness Services

Claim Service Guarantee

Policy Service Guarantee

Exclusions of the Insurance
At Reliance General Insurance, we believe in transparency. To ensure that you do not face any unpleasant surprises while making a claim, do take a look at some of the major exclusions of the policy:

Investigation & Evaluation/ Wellness and Rejuvenation

Dietary Supplements & Substances

Cosmetic or Plastic Surgery unless due to Accident/Burns or Cancer

Hazardous or Adventure sports

Breach of law

Substance Abuse and Alcohol

Refractive Error less than 7.5 diopter

Sterility and Infertility

Maternity Expenses

Dental Treatment

External Congenital Anomaly

Non-Allopathy / Treatment except AYUSH

Self-injury or suicide

Nuclear Attack/War

Easy & Faster Claim Process

You can choose between cashless and reimbursement claims as per your convenience. For cashless claims, you must get treated at a network hospital where the insurer would settle the bills directly with the hospital authorities. If you want reimbursement claims, pay your bills initially and retain the original bills and receipts. Submit the original bills when you raise the claim.

1
Register Claim

During a medical emergency, inform the claims team regarding hospital admission. Click here to send a mail immediately and inform us about the incident or log in through the Self-i App, or call up (022) 4890 3009 (Paid Number).

2
Claim Process

Submit details regarding the type of treatment planned and provide all required documents to the claims team. They will start the process immediately.

3
Claim Approval

Get cashless treatment if you have opted for a network hospital. For non-network hospitals, you can follow the process as mentioned by the insurer.

*Maximum discount applicable for the policy is 40% excluding long term healthy discount(aggregate)
#Starting cost in the advertisement is excluding taxes for single person aging between 5 years to 20 years with individual health policy for Sum Insured of ₹ 3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12) & when the same premium is divided by 365 days (2,919/365) , Rs. 8/per day is the final cost.
##Deductions are subject to provisions of Sec.80D of the Income Tax Act, 1961 'the Act' and applicable amendments and are subject to change in the tax laws. 80D deduction is subject to fulfillment of terms and conditions mentioned in the Act.
**These are optional covers and need to be opted separately while purchasing the policy.
T&C apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122

Here's what our customers say about us!

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Buy Health Gain Insurance Policy | Reliance General Insurance

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Get a unique set of benefits starting at ₹243/month# TAX SAVING U/S 80D## 98.6% CLAIMS SETTLED 9,100+ CASHLESS HOSPITALS Health Gain is a Health Insurance policy, which is available in Individual as well as Family Floater Plans, with benefits such as cashless hospitalization, reinstatement of base sum insured, pre and post hospitalization expenses, and numerous add-on features.

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Buy Arogya Sanjeevani Policy | Reliance General Insurance | Best Deals & Coverage

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Arogya Sanjeevani Health Insurance: Buy Arogya Sanjeevani Policy Online

Arogya Sanjeevani Policy, Reliance General

step 01

You've made the right choice!

Get Arogya Sanjeevani Policy by Reliance General Insurance and secure your health instantly-

step 02

Sum insured that you want to proceed with?

Number of members you want to insure?

step 03

DOB of the senior most insured member?

Please share your email id

Please share your mobile number

step 04

Any member suffering from PED?

step 05

Premium breakup

Basic premium 10,500

Discount 500

Net premium 10,000

GST 100

A simple and affordable Arogya Sanjeevani health plan designed to meet your insurance needs

We've lived through unprecedented times and so we know that covering oneself with a health insurance cover has become a necessity. The Arogya Sanjeevani Insurance Policy by Reliance General Insurance is an easy to buy plan that covers all your inpatient hospitalisation needs with a wide range of sum-insured options ranging between ₹50k to ₹10 Lakhs. It's the best health insurance plan to cover you financially in any unprecedented time.

What does the Arogya Sanjeevani Policy Cover?

Section 1: Basic Benefits of Arogya Sanjeevani Policy
Inpatient Care: Covers medical expenses like room rent, ICU charges, medical practitioners fee, OT charges, nursing charges etc. incurred during hospitalisation due to an illness or accident for a period of more than 24 hrs.

Room Rent, Boarding, Nursing Expenses as provided by the Hospital /Nursing Home, up to 2% of the sum insured subject to maximum of ₹5000/- per day.

Intensive Care Unit (ICU)- /Intensive Cardiac Care Unit (ICCU) expenses up to 5% of sum insured subject to maximum of ₹10,000/- per day.

Cost is included up to sum-insured for Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, diagnostics, diagnostic imaging modalities and such similar other expenses.

Doctor/Surgeons fees is covered

Special Treatments: Special treatments as listed below are covered with up to 50% of the sum-insured under Arogya Sanjeevani health insurance:

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)

Balloon Sinuplasty

Deep Brain stimulation

Oral chemotherapy

Immunotherapy- Monoclonal Antibody to be given as injection

Intra vitreal injections

Robotic surgeries

Stereotactic radio surgeries

Bronchical Thermoplasty

Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)

IONM - (Intra Operative Neuro Monitoring)

Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered

Day Care Procedures: Medical expenses incurred for day care procedures taken at a hospital or day care centre. 24 hours mandatory hospitalisation is not necessary in the day care procedure.

Cataract Treatment^: Cataract treatment is covered up to 25% of Sum insured or ₹40,000/-, whichever is lower, per eye, under one policy year.

AYUSH Benefit: The medical expenses for in-patient treatment taken under Ayurveda, Unani, siddha and homeopathy are covered without sublimits.

Pre- Hospitalisation: Covers medical expenses incurred 30 days prior to the date of hospitalisation.

Post- Hospitalisation: Covers medical expenses incurred up to 60 days from the date of discharge.

Emergency Road Ambulance: Actual expenses incurred for utilizing road ambulance service for transporting the insured to the nearest hospital with adequate emergency facilities is covered upto ₹2000 per hospitalisation.

Dental Treatment and Plastic Surgery: Dental treatment & Plastic surgery necessitated due to any disease or accidental injury is covered

Section 2: Co-payment and Cumulative Bonus
Cumulative Bonus: Increase in the sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.

Co-payment: 5% for all claims

^24 Months waiting period is applicable for Cataract Treatment

Arogya Sanjeevani Policy Eligibility-

Parameters Eligibility

Age

Child: 91 days to 25 years*
Adult: 18 years to 65 years*

Policy Type

Individual and Family Floater​​

Policy Period

1 year

Sum insured (in ₹)

50k to 10 Lakhs

*Age based on completed years, No maximum cover ceasing age

Arogya Sanjeevani Policy Waiting Period-

Waiting Period Type Duration and Specifics

First Policy Waiting Period

A waiting period of 30 days once the fresh policy is issued is applicable to all claims unless insured suffers an accident.​​

Pre-existing Diseases waiting period

Pre-existing Diseases(PED) and its direct complications shall not be covered until the completion of 48 months of continuous coverage have elapsed, since inception of the policy provided that the PED is declared and/or accepted in the proposal​​.​​

Specific waiting period

A specific waiting period of 24/48 months is applicable on specific diseases as mentioned in policy as long as insured is in his/her third year of policy without break 24 months waiting period

Benign ENT disorders

Tonsillectomy

Adenoidectomy

Mastoidectomy

Tympanoplasty

Hysterectomy

All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps

Benign prostate hypertrophy

Cataract and age-related eye ailments

Gastric/ Duodenal Ulcer

Gout and Rheumatism

Hernia of all types

Hydrocele

Non-Infective Arthritis

Piles, Fissures and Fistula in anus

Pilonidal sinus, Sinusitis and related disorders

Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident

Calculi in urinary system, Gall Bladder and Bile duct, excluding malignancy

Varicose Veins and Varicose Ulcers

Internal Congenital Anomalies

48 Months waiting period

Treatment for joint replacement unless arising from accident

Age-related Osteoarthritis & Osteoporosis

Arogya Sanjeevani Policy Cancellation

Length of time Policy in force Refund of premium

Up to 15 days

Premium paid will be refunded (minus) any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges​​

What does the Arogya Sanjeevani Policy Not Cover?*

All permanent exclusions shall apply individually for each Insured Person under the Arogya Sanjeevani health policy and claims shall be assessed accordingly.

We will not make any payment for any claim in respect of any Insured Person directly or indirectly for, caused by, arising from or in any way attributable to any of the following unless expressly stated to the contrary in this Arogya Sanjeevani Policy:

Domiciliary Hospitalization​​

Investigation & Evaluation

Rest Cure, rehabilitation and respite care​​

Obesity/Weight control

Change-of-Gender treatments​​

Cosmetic or Plastic surgery (unless due to accidental injury)

Hazardous or Adventure sports

Breach of law

Excluded providers

Addictions, Drug / Substance Abuse

Alternate Therapy and Rejuvenation​​​​

Dietary Supplements & Substances

Refractive Error

Unproven Treatments

Sterility and Infertility

Maternity​​

Dental Treatment (unless due to accidental injury)

Non-medical expenses

Outpatient treatment (OPD)

Overseas treatment​​

War or similar situations​​

Nuclear, chemical or Biological attack

*All exclusions are subject to terms and conditions of the policy, please read complete policy wordings before concluding sales

Click here to read the policy wordings to know more about the exclusions of Arogya Sanjeevani Health Insurance Policy​

How to File a Claim

Filing a claim is simple and quick today. Here's how you can file a claim with Reliance General Insurance:

Cashless Claim Reimbursement Claim

Step 1:
Inform the claims team. You can inform them by emailing, logging into the Self-i App or calling 022-48903009 (paid)

Step 1:
Inform the claims team. You can inform them by emailing, logging into the Self-i App or calling 022-48903009 (paid)

Step 2:
Submit details like type of treatment and all relevant documents

Step 2:
Submit details to the claims team and make the necessary payment at the hospital.

Step 3:
The claims team will settle the bill directly with the hospital

Step 3:
Scan and send your bill and other document to the claims team within 7 days of recharge to get reimbursed.

Arogya Sanjeevani Policy FAQs
1. Who can buy an Arogya Sanjeevani health insurance policy?
Any individual between the age of 18 to 65 years can purchase an Arogya Sanjeevani policy. If opting for a family plan, children from 3 months to up to 25 years can be added.
2. Is there a waiting period involved for the Arogya Sanjeevani policy?
Yes, there are three different waiting periods for this policy, the initial 30-day waiting period, 48 months for pre-existing diseases, and 24/48 month for specific illnesses.
3. Is it possible to port my existing policy to an Arogya Sanjeevani health policy?
Yes, it is possible to port your policy as per the rules stipulated by the IRDAI. Porting is possible during the time of policy renewal.
4. What is the age limit and eligibility for Arogya Sanjeevani policy?
Adults between the age of 18 to 65 years are eligible to purchase an Arogya Sanjeevani health insurance policy.
5. How long does the Arogya Sanjeevani policy cover me for?
The policy will cover you for a period of one year after which you can opt to renew it for a further 12 months.
6. Where can I avail the benefits of my Arogya Sanjeevani policy?
You can get cashless treatments from the 8,600+ network hospitals of Reliance General Insurance. At non-network hospitals, you can make claims for reimbursement after treatment is done.
7. Is treatment covered outside India too?
No, treatment done outside of India is not covered under the Arogya Sanjeevani policy. Reliance General Insurance has other health insurance products that will cover international treatments like Reliance Health Infinity and Reliance Super Top-Up Plan.
8. Will I have to pay anything toward my treatments with an Arogya Sanjeevani policy?
Yes, there is a 5% co-payment clause for every claim under the Arogya Sanjeevani policy.

Here's what our customers say about us!

"Good health insurance policy"

A decent policy by Reliance which covers hopitalization and helped me recover expenses.

Mohan A

"Health insurance with cashless benefit"

It is a good health insurance policy which cover hospitalization and helped me avail cashless hospitalization

Dino S

"Customizable health insurance policy"

I could select and customize the health insurance plan as per my needs. It was good to purchase the health insurance plan as needed.

Chetan O

"Don't miss health insurance"

I paid my own bills last year when I was admitted to the hospital and it was painful as I didn't had a health insurance policy

Himani S

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Buy Arogya Sanjeevani Health Insurance Policy | Reliance General Insurance

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Arogya Sanjeevani Health Insurance: Buy Arogya Sanjeevani Policy Online Arogya Sanjeevani Policy, Reliance General Get Arogya Sanjeevani Policy by Reliance General Insurance and secure your health instantly- Sum insured that you want to proceed with? Number of members you want to insure? DOB of the senior most insured member?

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Buy Personal Accident Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Buy Personal Accident Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on personal accident insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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​​​What is Personal Accident Insurance?

Have​ you ever wondered what would happen if you suffered from an accident or injury that affecteds your ability to work? That could happen to anyone If the unthinkable ever happens to you a Personal Accident Insurance offers financial compensation in such an event where bodily injuries due to accidents lead to total/partial disability or death. This policy ensures the financial stability of an individual and his family if he/she gets injured or unfortunately ​dies in an accident.

Features & Benefits offered by Reliance Personal Accident Insurance -​

​

**For each claim-free year, subject to a max of 50%

*For FY21-22​​

Who Should Buy Personal Accident Insurance?

Personal Accident Insurance is essential for everyone, irrespective of their age, occupation, and health. You should ideally buy this plan as soon as you start working. Even after taking extensive precautions, accidents do occur. This may result in disablement or loss of limbs or sometimes even death. In that case, a personal accident insurance policy proves to be a savior. The premium of a personal accident cover depends on the occupation you are in.

Mentioned in the list below are three categories under which occupational risks can be segmented.

​

Benefits of owning a Personal Accident Insurance Policy

Nobody wants to get into an accident, but it's an unfortunate reality for a lot of people every year; While you can't plan for the when and where you can surely financially prepare yourself against the trauma of the event.

When a major car wreck happens, or a simply trip and injure yourself, that's when you realize the advantage of having a personal accident cover. Moreover, the number of vehicles is increasing exponentially in India,so the chances of meeting a road accident has increased. As we've already mentioned earlier, it's always better to be safe than sorry; so we advise you to buy a personal accident insurance policy to get a financial cushion against such mishaps.

​

To give you a better understanding of a Personal Accident Insurance, we have listed down a few advantages of having a personal accident cover.

Family security

Worldwide coverage

​No requirement of medical tests and documentation

Substantial coverage at low premium

Reimbursement of medical expenses

Education fund for children

Easy and hassle-free claim process

What is the Importance of Personal Accident Insurance?

You'll be glad for having personal accident insuranceas it will have you completely covered for the times when you get into an unexpected accident and cause injury to yourself. Let's take a look at why it is important to get a personal accident cover.

Accidental Death Benefit:

Permanent Total Disability Benefits:

Child Education Benefit: ​

​

In case of accidental death or permanent total disability of the Insured person insurance coverage does cover the education expenses of the dependent children.

Family Security:

Why Should You Choose Personal Accident Cover by Reliance?

Reliance is a reputed insurance provider with more than 8,6​​0​0 network hospitals the treatment could take place at any network hospital free of cost instantly. With a lot of things go​ing online, Reliance also has switched to online methods. Many of the polices are now provided online. Also, you can answer to all your queries regarding the policy online.

The key features of the policy given by the Reliance General ​Insurance are -

Zero paperwork:

Reimbursement:

World Wide coverage:

Cumulative Bonus

For each claim-free year, there is an advantage and you can get a 5% increase in the capital sum insured for each completed and continuous policy year, subject to a maximum of 50%.

Renewal:

The policy could be renewed anytime from any place with easy renewal methods.

What Does This Personal Accident Insurance Policy Cover?

Even if you are extremely cautious on the roads, your safety is not guaranteed. At Reliance General Insurance, we endeavor to provide you with the best possible personal accident insurance cover for you.

100 % of the sum insured on the accidental death of the insured person

Permanent Total Disability-

100 % payment of the sum insured on permanent total disablement

100 % payment of the sum insured in the event of loss of two limbs/two eyes or one limb and one eye

50 % payment of the sum insured in the event of loss of one limb or one eye

A specified percentage of the sum insured will be paid in case of permanent partial disability

This personal accidental insurance policy also has some value-added benefits - ​

Carriage of mortal remains
A lump sum of 2% ​of capital sum insured or Rs.2500 whichever is less will be paid for transportation in the event of accidental death of the insured person outside the residence

​ Medical Expenses Extension-

Personal Accident Insurance Policy can be extended to cover medical expenses on the payment of extra premium.

Get benefit up to 40% of the compensation paid in settlement of a valid claim under the policy or 20% of the relevant sum insured or actuals, whichever is less.​

​ ​
What Does This Personal Accident Insurance Policy Not Cover?

We have tried to cover all the scenarios that may occur after an accident, but it is quite impossible to cover all of them. This personal accident insurance policy does not cover the following:

Compensation under more than one clause for same period of disability

Any claim in the same period of insurance exceeding the capital sum insured

Payment of compensation due to death or disablement arising out of:​

Suicide, attempted suicide etc.

Pregnancy and/or childbirth

War and nuclear perils

Ionizing radiation or radioactivity

HIV / AIDS / or death due to any disease

​Natural death (not under the influence of intoxicating liquor or drugs)

Apart from the personal accident policy cover, Reliance also offers a variety of health insurance plans like family mediclaim policy, health insurance for senior citizens and cashless health insurance cover​.​​

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Buy Personal Accident Insurance Cover | Reliance General Insurance

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Have​ you ever wondered what would happen if you suffered from an accident or injury that affecteds your ability to work? That could happen to anyone If the unthinkable ever happens to you a Personal Accident Insurance offers financial compensation in such an event where bodily injuries due to accidents lead to total/partial disability or death.

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Buy Super-Top Up Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Buy Super-Top Up Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on super top-up health insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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Super top up health insurance covers worldwide treatment, including maternity & air ambulance cover, with a 98% claim settlement ratio. Get super top up health insurance starting at Rs. 7/day.

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Buy Critical Illness Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Buy Critical Illness Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on critical illness insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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Features & Ben​efits offered by Reliance Critical Illness Insurance -​

​

​**Eligibility of age - upto 65 years for 5 Lakhs SI only, upto 60 years for 7 Lakh​ SI, upto 55 years for 10 Lakh SI.

***From the inception of policy​

Why Is It Important To Have A Critical Illness​ Insurance​ Cover?

Now treating a critical illness is an altogether different process and it takes time and money to treat such illness. If you are an earning member of the family and you're diagnosed with a critical illness you may have to skip work to get treatment which means also cutting off the major income source for the family.

A normal health insurance plan will only cover for the hospitalisation cost and there will be no other benefit. Critical illness policy is necessary because it goes beyond normal insurance plans and helps you cover additional expenses as well. This policy provides a l​ump​sum benefit to the customers which is very beneficial. The lack of critical illness insurance can be a trouble as it could drain your years of savings in just a month and could hit the family very hard economically. You can buy critical illness insurance online to have a secure future for your family and plan the needful.

Who Should Buy Critical Illness Insurance Policy?

Due to medical inflation, we all know that the cost of health care is rising day by day. In case of a critical illness, a person is hospitalized and the cost of treatment can go sky-high and could be dif​ficult for the person to manage. The modern-day hectic lifestyle is causing trouble to us all and this includes a rise in cases of cancer, kidney failure or coma, etc.

While critical illness policy is meant for everyone, here are people who should have it as a​ must -

1. Pe​ople With A Family History Of Critical Illness

Many of the critical illnesses are hereditary and thus there is a major risk of developing a critical illness for some who have a history of the same in the family. Thus, those with some history in the family must opt for a critical illness ​insurance plan.

2. Breadwinners

The role of the breadwinner for a family is very important. If something happens to them then it will affect the whole family and not only their present but the future of the family will be greatly affected. To be safe from these unpleasant financial situations one must get a critical illness policy for themselves as the primary breadwinner of the house so their family is secure in case something happens to them.

3. Above 40

All the people above 40 are at higher risk of developing a critical illness and thus it is advised to buy a critical illness policy in the later stages as early as possible to manage the premium amount easily.

Why You Should Buy Critical Illness Policy​ From Reliance General Insurance?

Reliance General Insurance is a leading health insurance company in India. The plans are affordable and there is a wide range to choose from where you can also adjust the plan according to your n​eeds. There are more than 8,6​0​0​ network hospitals and Reliance General has an incurred claim ratio of 98​%. Also, the claim filing process with Reliance is easier than ever and could be done easily online. Some of the features of a critical illness plan offered by Reliance are

Waiting Period:

There is a 30-day waiting period before you can claim the insurance.

Claiming Process:

The claim can now be processed easily and with everything happening online the claim can now be filed and processed online completely. ​

Eligibility Criteria For Critical Illness Policy

The person must be at least 18 years of age to get a critical illness policy by Reliance and the maximum age varies according to the sum being assured to the person. So, for example

​The maximum entry age to buy a 5 Lakh sum insured policy for the insurance is 65 years.

The maximum entry age to get a sum insured of 7 Lakhs insurance policy is 60 years.

The maximum entry age to get a Reliance critical illness policy for 10 Lakh sum insured is 55 years.

Also, for all the individuals above =>46 a medical test mandatory before getting the policy. The medical test will be done at a network diagnostic center and will be covered by Reliance.

What ​we cover under critical illness insurance

With the Reliance Critical Illness Insurance Policy, you will receive a lump sum payout on your claim, if you're diagnosed with any of the following critical illnesses or if you have to undergo any of the mentioned surgeries. In terms of the sum insured, you may choose​ any option between Rs. 5 Lakh, Rs. 7 Lakh or Rs. 10 L​akh.

Heart Valve Replacement or repair

Coma of Specified Severity​​

Coma Quadriplegia (persisting more than 90 days post-diagnosis without any significant recovery)

Total Blindness

End-Stage Renal Disease requiring regular dialysis

Category I - Life Threatening

Ca​tegory II - Lifestyle Disabling ​

Note​: We will pay the benefit payment when the patient survives for more than 30 days after the diagnosis of the critical illness listed in category I and for 60 days after diagnosis in case of category II conditions, unless the patient is suffering from Quadriplegia, where the benefit will be paid after 90 days.​

​

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Buy Critical Illness Insurance Policy | Reliance General Insurance

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​ ​**Eligibility of age - upto 65 years for 5 Lakhs SI only, upto 60 years for 7 Lakh​ SI, upto 55 years for 10 Lakh SI. ***From the inception of policy​ Now treating a critical illness is an altogether different process and it takes time and money to treat such illness.

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Buy Senior Citizen Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Buy Senior Citizen Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on senior citizen health insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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​Benefits of Buying a Senior Citizen Health Insurance Plan

Offering health coverage to your parents is priceles​s. On top of that, it ​has many benefits that will help in the long run.

Here are some benefits of buying a senior citizen health insurance plan:

1. Offers health protection

The primary benefit of getting a senior citizen health insurance plan is the financial aid it offers during a medical emergency. Moreover, you can secure the best health care facilities since you've got a health insurance plan to cover the costs. This will always remain the number one benefit of getting a health plan for your parents.

2. Beats medical inflation

The cost of health care in India is rising every day. In fact, India faces one of the highest medical inflation rates in the world. This means that getting hospitalised without a health insurance will majorly hit your finances. Therefore, getting a medical insurance for senior citizens is vital to protect your finances and the health of your parents.

3. Lifetime renewability

Health insurance plans offer the benefit of lifetime renewability which means that you can renew your health plan as many times as you want. In a different time, insurers used to reject renewal requests from senior citizens citing some unfounded reasons. However, following an​ IRDAI mandate, insurers have to offer everyone a lifetime renewability option. This is especially useful for aged parents or in-laws, when the need for a health insurance plan will be needed the most.

4. Tax benefits

There are also tax benefits you can avail for buying a senior citizen health insurance. Under Section 80D of the Income Tax Act, senior citizens can avail up to Rs.50,000 in tax deductions for payment of health insurance premiums. This again helps in protecting your finances or savings and your parents health.

Senior Citizen Health Insurance Plans from Reliance General Insurance

To offer the best health coverage for your parents or in-laws, you only look to the plans from Reliance General Insurance. We've got a wide network of cashless hospitals for cashless treatments and crores of happy customers.

Here are the senior citizen health insurance plans from RGI:

1. Reliance Health Infinity

The Reliance Health Infinity plan comes loaded with benefits plus an adequate coverage amount of up to Rs.5 Crore.

Here are some of the key features of Reliance Health Infinity:

Add up to 8 members (2 adults and up to 6 children).

Entry age is up to 65 years.

Lifetime renewability option is available.

Cover for pre-hospitalisation and post-hospitalisation is 90 days and 180 days respectively.

Choose from a sizeable sum insured ranging from Rs.10 Lakh to Rs.5 Crore to cover your entire family.

Opt for the Unlimited Restore Benefit Add-on to restore your sum insured for any number of times in a year.

Emergency ambulance benefit (within sum insured).

Transportation benefit (up to Rs.500 per hospitalisation & within sum insured)

Additionally, you can avail other add-on benefits like Air Ambulance, Medical Equipment Cover, OPD Cover, etc.​

2. Reliance Health Gain

This accessible health insurance plan is the perfect fit for your parents or in-laws Reliance Health Gain comes with three plans, Plus, Power, and Prime. The sum insured starts from Rs.5 Lakh.

Here are some of the key features of Reliance Health Gain:

Add up to 6 adults (self + spouse + dependant parents + in-laws) and 6 children (applicable under the Prime Plan).

Entry age is up to 65 years.

Lifetime renewability option is available.

Cover for pre-hospitalisation and post-hospitalisation is 60 days.

Get coverage starting from Rs.5 Lakh to up Rs.1 Cr.

Secure 2x sum insured.

Restore your sum insured after you've exhausted it.

Get a no-claim bonus of 33.33% for every claim-free year.

Get Double Cover which gives an additional cover of 100% once you've exhausted your sum insured.

Choose any hospital room with no room rent limit.

Why Should You Consider Buying a Medical Insurance for Senior Citizens?

Getting health insurance for senior citizens above 60 years is an important financial decision to make. You don't want to be a bystander in case your ageing parents or in-laws face a medical crisis. W​e know that you don't want to be a mere onlooker but want to actively help out in dire times.

So, if you're still wondering if you should get a senior citizen health insurance plan, here are compelling reasons to get one:

1. Get affordable care

With a mediclaim for senior citizens, you have the opportunity to get them care at premiums that are affordable compared to the price of paying hospitals bills out of your pocket. The older your parents or in-laws are the more prone they are to disease and the higher the cost for their treatments. By getting a health insurance plan for them you can care for their health.

2. Secure quality care

Another reason to get a senior citizen health insurance plan is to provide your parents or in-laws quality care. You can select a hospital that provides the highest quality of health care knowing that you've got a health insurance to cover you financially.

3. Avail annual health check-ups

Some health plans, like Reliance Super Top-Up, offer the option of free health check-ups annually. This is especially useful for your parents who are close to or above 60 years old. Health check-ups offer the chance to find out if everything is well health wise or if there is an undetected issue.

4. Cover for critical illnesses

There exists a product in health insurance created specifically to cover critical illnesses. At Reliance General Insurance, we have the Critical Illness Insurance that covers illnesses like cancer, multiple sclerosis, comas, etc. This again helps individuals nearing 60 years and above since they're the ones most prone to such illnesses.

5. Alternative treatment option

In case you're looking for traditional methods of treatments, health insurance plans for senior citizens also cover AYUSH treatments. AYUSH stands for Ayurveda, Yoga and Naturopathy, Siddhi, Unani, and Homeopathy. Avail any of these treatments covered in your plan.

6. Get modern treatments

Nowadays, senior citizen health insurance policies also covers modern treatments like robotic surgeries and deep brain simulation. Again, this will prove useful to disease-prone individuals like ageing parents or in-laws.

7. Coverage for home care

If any of your dependent parents or in-laws are required to get treated at home, a mediclaim policy for senior citizens will cover that. So you don't have to worry about transporting them to a hospital for treatment.

Eligibility For a Senior Citizen Health Insurance

Check out the criteria for a health insurance for senior citizens below:

Entry Age

18 years to 65 years (for adults)

Family Composition

Between 4 to 12 members (depending on the policy selected)

Coverage

Rs.3 Lakh to Rs.5 Crore (depending on the health insurance policy)

How to Buy a Medical Insurance for Senior Citizens

Picking the right insurance plan for your parents or in-laws doesn't have to be hard. With a few parameters in place, you can easily find one that best suits them.

Here are a few broad principles that'll help you pick the right policy:

1. Know what you want:

firstly you have to determine how much coverage you need and for who all. Senior citizen plans will allow you to​ include​ your parents and your in-laws too. Also, things like age, pre-existing diseases, etc. will help you figure out how much your sum insured should be.

2. Compare and select:

next you should compare the different health insurance providers available in the market and select one that meets your previously determined parameters.

3. Pick add-ons:

each health insurance plan comes with useful add-ons that can help your family. For example, our Reliance Health Infinity​ plan comes with add-ons like OPD Cover and Reduction in Waiting Period that will help to care for your parents.

How to File a Claim

Filing a claim is simple and quick today. Here's how you can file a claim with Reliance General Insurance:

Step 1:

Step 1:

Inform the claims team. You can inform them by emailing, logging into the Self-i​ App or calling 022-48903009 (paid)

Inform the claims team. You can inform them by emailing, logging into the Self-i​ App or calling 022-48903009 (paid)

Step 2:

Step 2:

Submit details to the claims team and make the necessary payment at the hospital.

Submit details like type of treatment and all relevant documents

Step 3:

Step 3:

Scan and send your bill and other document to the claims team within 7 days of recharge to get reimbursed.

The claims team will settle the bill directly with the hospital

​

What's Covered in a Senior Citizen Health Insurance Policy?

Every mediclaim policy for senior citizens includes​ certain covers within the sum insured you opt for.

Here's a list## of what's covered in a senior citizen health insurance policy:

In-patient treatment, day care procedures

Domiciliary hospitalisation

Pre-hospitalisation and post-hospitalisation expenses

Annual health check-ups

Critical illness cover

Restore benefit

No-claim bonus

Organ donor expenses

##Inclusions vary according the health insurance plan. Please refer to the policy wording to find more details.

Exclusions in a Senior Citizen Health Insurance Plan

Just like there are many inclusions in a health insurance plan, there are many things that are not covered too.

Here's a list## of exclusions in a senior citizen health insurance plan:

Accidents due to adventure sports

Self-injury or suicide

Breach of the law

Nuclear attacks or war

Substance abuse and alcohol

Maternity expenses​

##This is not an exhaustive list. Please read the policy wording to learn more.​

Topics Related to Senior Citizen Health Insurance

Health Insurance | Health Insurance Plans for Family | Personal Accident Insurance | Medical Insurance | Mediclaim | Senior Citizens Health Insurance | Critical Illness Insurance | Health Insurance for Parents | Medical Insurance Plans | Health Insurance Tax Saving | Online Health Insurance | Compare Health Insurance Plans

Senior Citizen Health Insurance FAQs

1. What are the entry and exit age restrictions for senior citizen health insurance?

The entry age is generally between 18 to 65 years (it may vary according to the plan. Please check the policy wording for more info). There is no exit age since all plans offer lifetime renewability.

2. Why should you buy health insurance for senior citizens?

You should buy health insurance for parents or in-laws to provide them with affordable and quality care, offer alternative and modern treatments, or even home care treatment if needed. All this makes it easier to deal with medical issues in an advanced age.

3. What should I look out for in a senior citizen medical insurance policy?

Check for waiting periods (shorter the better), no claim bonuses, annual health check-ups, network hospitals, etc.

4. What is the right time to buy a senior citizen health insurance policy?

The right time is as soon as possible. You may never know when a medical crises will occur so it's best to be prepared. Ideally you should have one in place by the time your parents are reaching the retirement age.

5. How is the premium calculated for senior citizen health insurance?

Premium is calculated based on factors like age, pre-existing diseases, location, etc.

6. Why is health insurance important for senior citizens?

Senior citizens require medical coverage the most because they are most prone to diseases given their age. Plus, cost for treatments keep rising which makes health coverage a necessity.

7. Do I have the option of paying health insurance premiums in installments?

No, health insurance premiums are generally collected on an annual basis.​​

​​

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Buy Senior Citizen Health Insurance Plans | Reliance General Insurance

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Offering health coverage to your parents is priceles​s. On top of that, it ​has many benefits that will help in the long run. Here are some benefits of buying a senior citizen health insurance plan: The primary benefit of getting a senior citizen health insurance plan is the financial aid it offers during a medical emergency.

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Buy Group Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Buy Group Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on group health insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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​​​

There's more you can do for your employees than a salary. Taking care of their health with the help of a group health insurance plan can be the very thing they need. With Reliance General Insurance, you have a group mediclaim policy that'll keep you and your employees happy.

What is Group Health Insurance?

When a group of individuals, generally those working in the same organisation, are covered under a single health insurance policy, it is known as a group health insurance.

Companies offer this as a perk to current and potential employees as a way to retain or attract them.

A group health insurance policy is an economical and efficient way to offer health coverage to an organisation's employees.

Benefits of Buying a Group Health Insurance Plan

Securing health insurance coverage for employees via a group mediclaim policy has several benefits. These benefits apply to both employees and employers alike.

Take a look at the benefits of buying a group health insurance plan:

1. Helps employers maintain their manpower

Offering health insurance coverage for its employees is one of the most attractive perks they can give. Employees would always look for this benefit when they're looking to switch or whether they're deciding to stay.

2. Tax benefits for employers

Under Section 17 of the Income Tax Act, 1961 employers get tax deductions for payment of premiums towards group health insurance. "Profits in lieu of salary" is the clause that states the tax deductions that employers receive.

3. Employees get free health coverage

Since the premiums are paid by the employers, it effectively means that employees get free health insurance for themselves and, depending on the company, their dependents.

4. Better job satisfaction

A perk through a group health insurance is the slight job satisfaction and mental well-being boost. It'll keep employees or attract them to your organisation.

Group Health Insurance Plan from Reliance General Insurance

Every organisation needs a group mediclaim policy that will make the lives of both employers and employees better.

At Reliance General Insurance, we have a comprehensive employee health insurance plan that will keep your team happy.

Key Features

Here's what your employees get under a group health insurance plan:

1. Inpatient care

This covers a variety of treatments that require at least overnight hospitalisation. Medical procedures like surgeries which require a prolonged stay at the hospital are covered under a group health insurance.

2. Pre and post hospitalisation expenses

Any expenses incurred during any procedures before the actual hospitalisation and even those that are required after the treatment are covered under a group mediclaim policy.

3. Pre-existing disease cover

Illnesses that an employee had before issuing the group health insurance are covered. These include diseases like heart problems, diabetes, blood pressure, etc. No waiting period is imposed on employees unlike an individual health plan.

4. Cashless treatments

One of the primary benefits of an employee health insurance is the facility of cashless treatments. Cashless treatments can be availed at network hospitals where the medical bills are settled between the insurer and the hospital. Having cashless treatments eases the ordeal that an employee goes through in the unfortunate event of a hospitalisation.

5. Cover for family members

Some group health insurance plans offer the option to include spouses and children too. This is an additional benefit that will keep employees happy and relieved that their family is covered with a health insurance.

What is Covered in This Plan?

Individual cover for your worker

Pre-existing disease covered**

Workers aged 18-60 years can be covered

Maternity benefit**

Room rent charges covered#

Pre-30 days & post 60 days hospitalization

Road ambulance charges covered#

Day care procedure covered

What is Excluded in This Plan?

Domiciliary hospitalisation

Robotic surgery/treatment done using this technology/robotically assisted surgery

Stem Cell Transplantation/bone marrow transplant

Septoplasty

Cochlear Implant or related aids

RFQMR - Rotational Field Quantum Magnetic Resonance Device - Cytotron

C3R

Balloon Sinuplasty

Bariatric surgery

Inj Avastin /Lucentis/Macugen

Ozone Therapy

Enhanced External Counter Pulsation Therapy (EECP)

Rejuvenation therapy

Eligibility Criteria For Group Health Insurance

Check out the criteria for a group mediclaim policy below:​​

How to File a Claim

Filing a claim is simple and quick today. Here's how you can file a claim with Reliance General Insurance:

Step 1:

Step 1:

Inform the claims team. You can inform them by emailing, logging into the Self-i App or calling 022-48903009 (paid)

Inform the claims team. You can inform them by emailing, logging into the Self-i App or calling 022-48903009 (paid)

Step 2:

Step 2:

Submit details to the claims team and make the necessary payment at the hospital.

Submit details like type of treatment and all relevant documents

Step 3:

Step 3:

Scan and send your bill and other document to the claims team within 7 days of recharge to get reimbursed.

The claims team will settle the bill directly with the hospital

Why Every Organisation Should Buy a Group Medical Insurance?

As stated earlier, there are many benefits an employers can reap by purchasing a group mediclaim plan. This not only benefits employers but even employees benefit from it.

Given the importance of a group health insurance, here are some advantages of buying one:

1. Group health insurance is affordable

In today's day where almost every company is offering medical insurance coverage for its employees, you don't want to be left behind. Therefore, it is imperative that you find the most economical way to cover your employees. So rather than depending on individual policies, a group health insurance plan will prove more affordable than the former option.

2. Extend coverage to family members

Employees can experience some kind of mental peace when they know that their family - be it a spouse, kids, or parents - are covered with health insurance. Depending on the group health insurance policy, employees can include their dependents too.

3. PEDs are covered from day 1

Generally health insurance plans come with waiting periods ranging from the initial 30-day waiting period to the longer waiting period for pre-existing diseases. In a group health insurance plan, there are no waiting periods and even pre-existing diseases are covered from the day the policy is issued.

4. Employees get free coverage

The primary benefit for employees is the benefit of free health coverage. Since all payment of premiums are borne by the organisation, employees can rest easy knowing they've got their health covered.

5. It keeps employees happy

Ultimately, all the perks of an employee health insurance leads to this, that is, a sense of security in times of a medical crises. It'll keep them happy and motivated to continue.​

What Should an Organisation Consider Before Buying a Group Health Insurance Plan?

Before buying a group mediclaim policy, an employer should keep certain factors in mind. This will help them get an affordable health plan that will benefit employees the most.

So, here are some factors to consider before buying a group health insurance plan:

1. Useful Benefits

The most important part of selecting group health insurance is finding out whether it has benefits that will prove useful to the employees. Having such a health plan will bring that added delight to an organisation's employees.

2. Coverage and Premium Amount

The best group mediclaim policy will offer valuable benefits while being economical at the same time. Therefore, an employer should consider premium amounts and how much the sum insured will be.

3. Network Hospitals

One of the most vital deciding factors to selecting a group health insurance plan, or even an individual health insurance, is the number of network hospitals. More number of network hospitals means employees can avail cashless treatments easier. Thus, you can make it smoother for employees to deal with emergency treatments with a group health insurance that has more number of network hospitals.

Another deciding factor in buying a group health insurance policy is the service the insurer provides. Are they quick in providing resolutions? How is the claim process? Do they have a good track record in servicing its clients? Check online reviews of the insurer and its claim settlement ratios to understand how they deal with its customers.

What is the Difference Between a Group Health Insurance Plan and an Individual Health Insurance Plan?

Health insurance plans for groups and individuals share some similarities while being vastly different in whom they serve. The primary purpose remains the same, however, that is to provide health coverage.

Here are the main differences at a glance:

Individual Health Insurance

An individual health insurance plan is a policy that is purchased by a person to insure themselves from paying high medical expenses and hospitalization bills.

You can buy a health policy for yourself, or your spouse, or children, or even for your elderly parents. The premium rate is calculated based on policyholder's age, gender, medical history, and much more. You should know that premium paid in this type of health plan can be expensive.

However, in such plans, you can get a more comprehensive cover that will target your personal needs. You can also avail add-ons to enhance your coverage.

Group Health Insurance

As the name suggests, group health insurance plans are purchased when a group of people wants to get insured. These are more common in the corporate world where employers buy this plan for their staff.

But social groups, sports teams, and joint families can also buy this health plan. The premium is calculated based on the size of the group, the industry the company operates in, demographics of the people involved, and much more. Buying a plan for a group will reduce the premium rates but it will also reduce some of the benefits that you would typicallly get in an individual health plan.

Individual vs Group Health Insurance: Pros & Cons

Given below are the pros and cons of the individual and group health insurance plans:

Pros

More flexibility in the tailoring of coverage

Cheaper coverage for better conditions

You will have more control over co-pays, deductibles, and benefit limits

Even if you are suffering from a pre-existing condition, you will get the coverage without any test.

You can research and choose the insurance company that you like

Some brokers offer extra administration and claims support to corporate clients

You don't have to be employed with a company or be with a group to be eligible for the health plan.

Lower premium rates

​ Cons

Higher premiums

You won't be able to set coverage benefits and limits

Extra costs, or no coverage for pre-existing conditions

You can only be insured under the plan as long as you're employed. Once the employment ceases, you will no longer be covered.

Lack of support for using the plan where some insurers and brokers are concerned

You don't have authority on the plan.

​

Topics Related to Group Health Insurance​

Health Insurance | Health Insurance Plans for Family | Personal Accident Insurance | Medical Insurance | Mediclaim | Senior Citizens Health Insurance | Critical Illness Insurance | Health Insurance for Parents | Medical Insurance Plans | Health Insurance Tax Saving | Online Health Insurance | Compare Health Insurance Plans

Group Health Insurance FAQs

1. Who all can be covered in a group health insurance policy?

Any individuals who are part of an organisation as employees can be covered under a group health insurance policy. In some case, even credit card companies offer health insurance to its customers, which is another form of group health insurance.

2. Can I have a corporate health insurance and individual health insurance at the same time?

Yes, you can have both a corporate health insurance and an individual health policy at the same time. A corporate, or employee health insurance, is given at the sole discretion of the organisation as a perk. But buying an individual health insurance plan is completely dependent upon the individual.

3. What are the limitations of a group health insurance?

A group health insurance policy, though very useful to employees, has certain limitations. The main limitation comes in the form of over dependence on an employee health insurance. However, this can easily be countered by taking an individual policy. Then there's the limitation of no tax benefits for employees, lack of customisation options, etc.

4. How is a group health insurance different from an individual health insurance?

As the name suggests, the main difference lies in who is covered under the plan. An individual plan covers only the individual (plus any family if a family floater plan is taken). A group health insurance, on the other hand, covers a group of people, usually employees in an organisation.

5. When should I get a group health insurance for my employees?

As of April 2020, the IRDAI mandated all "industrial and commercial establishments, work places, offices, etc." to provide health insurance for their employees. So, as an employer, you're required to offer health insurance coverage to all existing and new employees.

6. Does a group health insurance plan offer maternity benefits?

There are some group medical insurance plans that offer maternity benefits. Maternity benefits may include coverage for childbirth, pre-hospitalisation and post-hospitalisation expenses, care for newborn, vaccination cover for newborn, etc.

7. Do I have to undergo medical tests to be included in a group health insurance policy?

No, companies generally don't require you to undergo a medical test to be included in the employee health insurance. The process to add you in a group mediclaim policy begins from the day you join the organisation.

8. Is there any age limit to be covered under a group health insurance plan?

There is an age limit for a group health insurance policy which generally starts from 18 years till the individual is with the company. For dependent children, coverage starts from 91 days till 25 years and newborns will be covered from birth till 90 days.​​​​​
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Buy Group Health Insurance Mediclaim Policy | Reliance General Insurance

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​​​ There's more you can do for your employees than a salary. Taking care of their health with the help of a group health insurance plan can be the very thing they need. With Reliance General Insurance, you have a group mediclaim policy that'll keep you and your employees happy.

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Buy Family Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Buy Family Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Reliance General Insurance offers the best deals and coverage on family health insurance plans. Get 24x7 assistance and security with a reliable health insurance policy. Buy online now!

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Everything is about family. Which is why you would do anything to protect them. And the best way to do that is with a family health insurance pla​n. Having a family health insurance policy gives your family the safety they deserve in times of a medical crisis. Check out any family health insurance plan from Reliance General Insurance to cover everyone from your spouse to your in-laws.

What is Family Health Insurance?

Family health insurance is a product designed to cover all your family members under one policy. It has a single premium amount and sum insured but will cover everyone that you want included under the plan. If you're married, have kids, or ageing parents, taking a family health insurance policy will make it easier for you to ensure their proper treatment in case of hospitalisation.

Reliance Family floater health insurance offers the following benefits:​

​ Reliance Family floater Health Insurance ​
​offers a 5% discount for single women or girl child

5% Premium discount ​only for ​Reliance Private Car Package Policyholders

Immediate & extended family members can be covered under an individual mediclaim insurance policy

Tax deductions
upto Rs. 60,000 under section 80D​

Re-instatement of base sum insured, if you've exhausted the total sum insured on your medical insurance policy

​

Over 91​00+​ network​ hospitals to choose from for cashless hospitalization​

​

4 Benefits of Buying a Family Health Insurance Plan

Buying health insurance in general is a good idea. And it becomes a better idea when you're doing it for your family.

Here are four benefits of buying a family health insurance plan:

1. Affordability

A family health insurance plan, or a mediclaim policy for family, is way more affordable than taking individual plans for each family member. With a family plan, you pay one premium amount to cover yourself, your spouse, and your children. The sum insured is shared among each family member which could mean better utilization of your coverage amount.

2. Tax breaks

Under Section 80D, you're eligible for deductions up to Rs.25,000 (Rs.50,000 in case of senior citizens). In some cases, you can avail up to Rs.1 Lakh in tax deductions through your health insurance premium payments.

3. Including new members is easy

If at any point of time you wish to provide health coverage to a new family member you can easily do so with a family health insurance plan. Family plans are built in such a way that makes it easy to include a newborn, parents, and even in-laws. Thus, having a family health insurance policy eases the process of extending health coverage to your loved ones.

4. Additional benefits

Many health insurance plans can offer basic health coverage. But a good health insurance policy offers health coverage plus several benefits and even add-ons. A prime example of this is the reinstatement of your sum insured. In case you exhaust your coverage amount due to multiple hospital visits, you can replenish your sum insured with the restoration benefit. That means peace of mind for you even in times when more than one family member needs to be hospitalised.

Family Health Insurance Plans from Reliance General Insurance

If you're looking to secure your family with a health insurance plan you don't need to go so far. We've got a medical insurance policy or two for your family right here at Reliance General Insurance.

Take a look at the family health insurance plans we provide:

1. Reliance Health Infinity

The Reliance Health Infinity plan comes loaded with benefits plus an adequate coverage amount of up to Rs.5 Crore.

Here are some of the key features of Reliance Health Infinity:

Add up to 8 members (2 adults and up to 6 children).

Choose from a sizeable sum insured ranging from Rs.5​ Lakh to Rs.5 Crore to cover your entire family.

Opt for the Unlimited Restore Benefit Add-on to restore your sum insured for any number of times in a year.

Avail other add-on benefits like Maternity Cover, Newborn Baby Cover, OPD Cover, etc.

2. Reliance Health Gain

This accessible health insurance plan is the perfect fit for your family. Reliance Health Gain comes with three plans, Plus, Power, and Prime. The sum insured starts from Rs.5 Lakh.

Here are some of the key features of Reliance Health Gain:

Add up to 6 adults (self + spouse + dependant parents + in-laws) and 6 children (applicable under the Prime Plan).

Secure 2x sum insured.

Restore your sum insured after you've exhausted it.

Get a cumulative ​bonus of 33.33% for every claim-free year.

Choose any hospital room with no room rent limit.

3. Reliance Health Super Top Up

The Reliance Super Top Up offers a backup to your existing family health plan. This means that if you ever exhaust your existing health plan's coverage, our Super Top Up policy will back you up. The Sum Insured goes up to Rs.1.3 Cr. with deductibles starting at Rs.2 Lakh.

Here are some of the key features of Reliance Health Super Top:

Add up to 8 members (2 adults + 6 children).

Global Cover for emergency treatments abroad.

Road Ambulance Cover.

Maternity Cover.

Cumulative bonus of 10% for every claim free year.

​
6 Reasons You Should Buy a Medical Insurance Policy for Your Family

As we mentioned right at the beginning, everything is about family. Therefore, you must seriously consider buying medical insurance for your family.

We've drummed up a list of six reasons why you should buy a medical insurance policy for your family.

1. A family health insurance plan offers protection

As much as we'd like to control our lives, we can't control the onset of illnesses or the suddenness of accidents. Thus, it's pertinent to have a plan in place to protect yourself and your family members when such things happen

Having a mediclaim policy for family will offset a lot of these worries. You don't have to worry about providing adequate health-care for your hospitalised family member nor do you have to worry about paying for the treatment. This makes the top reason for you to buy health insurance for your family.

2. It helps to deal with medical inflation

India faces one of the highest medical inflation rates in the world. Which means every year the cost for health care rises. So if you ever face the unfortunate event of an illness or accident without health insurance, you could be in deep financial trouble. But with a health insurance plan for your family, you can easily counter the rising medical costs in India.

3. Company health insurance is not enough

Depending on the company you work for, you'll have a corporate health insurance policy. However, company sponsored medical insurance may not be enough for your family. Reasons like inadequate coverage and loss of coverage if you lose your job is enough for you to consider alternative options. So getting a personal family health insurance plan is vital to ensure your family is protected.

4. Extend benefits to all family members

Health insurance plans in India come with multiple benefits. For example, the Reliance Health Infinity insurance plan comes with basic benefits like pre and post hospitalisation, in-patient care, day care procedures, etc. plus add-ons like OPD Cover, Unlimited Restore Benefit, Consumable Cover and more. Buying this family floater plan with the related add-ons would mean extending these benefits to all your family members.

5. Maternity and newborn cover

Speaking of add-ons and benefits, a good health insurance plan will even help with your family planning. In case you're planning for a child, having a Maternity Cover add-on will help you during childbirth and a Newborn Cover (both available in Reliance Health Infinity) will take care of any expenses related to taking care of your baby.

6. Protect your hard-earned savings

Scenarios like hospitalisation, childbirth, etc. are scenarios that can deplete your savings. Hence, having a​ mediclaim policy for family is important to protect yourself financially. Moreover, family health insurance reduces your tax burden under Section 80D helping your family's savings.

Things to Consider Before Buying a Family Health Insurance Policy

If you don't have a health insurance plan for your family then that's something that you should rectify as soon as possible. However, that doesn't mean you don't do your due diligence before buying one.

Here are some points to keep in mind to help you find your ideal family health insurance plan:

1. Number of network hospitals

When you buy your insurance plan, ensure that the insurer has a wide network of partner hospitals. Getting your treatments at a network hospital means you can get cashless treatments done. Therefore having network hospitals in your area a priority. Reliance General Insurance has a wide network of cashless hospitals making the likelihood of finding a network hospital near you higher.

2. No room rent capping

If you have an insurance plan that has a cap on the hospital room rent, that means you will not get the hospital room that you want or your family deserves. But with a family floater plan like Reliance Health Gain and Reliance Health Infinity you'll have no restriction on the kind of hospital room you select.

3. Pre & post hospitalisation expenses

One of the most basic covers in a health insurance plan are the pre and post hospitalisation expenses. Sometimes you need to undergo tests before the actual hospitalisation happens and at times you need to spend time recovering at the hospital even after your treatment is done. Any expenses related to these are covered under this benefit. Therefore, when buying a family health insurance policy, get one that offers a higher pre & post hospitalisation expenses cover.

4. Waiting period

The waiting period refers to a duration of time in which you cannot make any claims related to pre-existing diseases. This could range from 2 to 4 years. There is also a 30 day initial waiting period during which you cannot make any claim at all unless it's an accident. Plus, health insurance policies also have a waiting period related to specific diseases. Now, the family plan that'll benefit you the most is the one with the lowest waiting period (only with respect to pre-existing and specific diseases).

5. Claim settlement procedure

In the event of a hospitalisation, you should know how you're going to settle the hospital bill. There are two ways this happens, cashless claims and reimbursement. Cashless claims happen only in network hospitals and at non-network hospitals you can get your bills reimbursed. Finding out how you the claim settlement works will help you decide which family health insurance plan to go for.

6. Lifetime renewability

The lifetime renewability clause enables you to renew your health insurance policy throughout your life. Thus, you have the option to renew your policy no matter your age or number of claims made in previous years.

What's Covered in a Family Health Insurance Policy?

Every mediclaim policy for family includes​ certain covers within the sum insured you opt for.

Here's a list## of what's covered in a family health insurance policy:

In-patient treatment, day care procedures,

Domiciliary hospitalisation

Pre-hospitalisation and post-hospitalisation expenses

Annual health check-ups

Critical illness cover

Restore benefit

No-claim bonus

Organ donor expenses

##Inclusions vary according the health insurance plan. Please refer to the policy wording to find more details.​

Exclusions in a Family Health Insurance Plan

Just like there are many inclusions in a health insurance plan, there are many things that are not covered too.

Here's a list## of exclusions in a family health insurance plan:

Accidents due to adventure sports

Self-injury or suicide

Breach of the law

Nuclear attacks or war

Substance abuse and alcohol

Maternity expenses

## ​This is not an exhaustive list. Please read the policy wording to learn more.

Eligibility For a Mediclaim For Family

Check out the criteria for a family floater policy below:​

Entry Age

18 years to 65 years (for adults)

91 days to 25 years (for children)

Family Composition

Between 4 to 12 members (depending on the policy selected)

Coverage

Rs.3 Lakh to Rs.5 Crore (depending on the health insurance policy)

How to Buy a Family Health Insurance Policy

Picking the right insurance plan for your family doesn't have to be hard. With a few parameters in place, you can easily find one that best suits your family.

Here are a few broad principles that'll help you pick the right policy:

1. Know what yo​u w​ant:

firstly you have to determine how much coverage you need and for who all. You naturally want to include your spouse and children and also your parents and or in-laws. Also, things like age, pre-existing diseases, etc. will help you figure out how much your sum insured should be.

2. Compare and select:

next you should compare the different health insurance providers available in the market and select one that meets your previously determined parameters.

​3. Pick add-ons:

each health insurance plan comes with useful add-ons that can help your family. For example, our Reliance Health Infinity​ plan comes with add-ons like OPD Cover and Maternity Cover that will help to care for your family.

How to File a Claim

Filing a claim is simple and quick today. Here's how you can file a claim with Reliance General Insurance:

Step 1:

Step 1:

Inform the claims team. You can inform them by emailing, logging into the Self-i​ App or calling 022-48903009 (paid)

Inform the claims team. You can inform them by emailing, logging into the Self-i App or calling 022-48903009 (paid)

Step 2:

Step 2:

Submit details to the claims team and make the necessary payment at the hospital.

Submit details like type of treatment and all relevant documents

Step 3:

Step 3:

Scan and send your bill and other document to the claims team within 7 days of recharge to get reimbursed.

The claims team will settle the bill directly with the hospital

Topics Related to Family Health Insurance

Health Insurance | Health Insurance Plans for Family | Personal Accident Insurance | Medical Insurance | Mediclaim | Senior Citizens Health Insurance | Critical Illness Insurance | Health Insurance for Parents | Medical Insurance Plans | Health Insurance Tax Saving | Online Health Insurance | Compare Health Insurance Plans

​

Family Health Insurance FAQs

1. Why do I need family health insurance?

In the event of an emergency hospitalisation, a health insurance plan will help you to deal with the costs that are concomitant to medical procedures.

2. How do I choose a family health insurance plan?

The easiest way is to determine what your needs are, who all are to be covered, pre-existing diseases, age, family plans, etc. and select one plan that suits your needs.

3. Can I add family members to the existing policy?

Yes, you can add existing members to your family floater plan at the time of renewal.

4. How does a family health insurance plan work?

A family health insurance policy has one single premium that gives you one sum insured to cover all the included members. The premium is determined by the age of the oldest insured member and factors like age, pre-existing diseases, etc.

5. How much does family health insurance cost per month?

The family health insurance premium, which is usually paid annually, is calculated by taking in factors like age of the oldest insured member, pre-existing diseases, number of insured members, the coverage amount, and the number of add-ons opted for.

6. Why buy a family health insurance plan?

Buying a family health ins​urance plan has many benefits. The foremost being financial protection for your family in times of hospitalisation. Apart from that, you have tax benefits under Section 80D of the Income Tax Act, a lower premium compared to taking individual plans, and more.

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Buy Family Health Insurance Plan Online | Reliance General Insurance

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Everything is about family. Which is why you would do anything to protect them. And the best way to do that is with a family health insurance pla​n. Having a family health insurance policy gives your family the safety they deserve in times of a medical crisis.

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Buy Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Buy Health Insurance Online | Reliance General Insurance | Best Deals & Coverage

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Secure your health with Reliance General Insurance's online health insurance plans. Get the best coverage and deals with our hassle-free online process.

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The Indian health sector is rapidly growing thanks to advancing medical infrastructure and investments. The insurance industry, along with India's health sector, is also riding a wave of growth and is expected to hit big numbers in the next decade. Yet, Indians are one of the highest out-of-pocket spenders on healthcare. Instead of depending on a health insurance cover, many Indian household dig up their savings to clear hospital bills.

There are many possible reasons for this with a lack of awareness of health insurance being a top one. Due to a lack of awareness many Indians end up eroding their hard-earned wealth to hospital treatments. Sadly, poorer families choose not to get treatment due to high costs which in turn has fatal consequences. Instead, the benefits of buying health insurance should be common knowledge so that individuals and family don't have to bear the financial burdens of a medical emergency.

To ease your burden, we at Reliance General Insurance offer exhaustive health insurance plans that cover your hospital and other medical bills. You'll never again have to face a medical emergency alone.

For several people, the COVID-19 pandemic was an eye-opener to the need of having a medical insurance policy. Desperate times, limited access to healthcare and exorbitant healthcare costs during the various waves of the pandemic made people realise the importance of having health insurance. Many people had to dig into their savings, including retirement funds, to pay for the treatment of their families and loved ones.

That's why you have more and more people opting for extensive medical policies today that cover pre- and post-hospitalisation costs, consultation charges, check-up fees, and more.

Following a mandate from the Insurance Regulatory and Development Authority of India (IRDAI), every insurance company is required to cover COVID-19-related expenses in their existing health policies. As a result, Reliance Health Insurance also covers Covid-19 related treatments.

Additionally, the IRDAI also released guidelines for COVID-19-specific health insurance policies. As per these medical policies, insurance firms must cover costs of an insured person who has been hospitalised for over 24 hours after getting diagnosed with COVID-19. We have two such plans that are specifically built to help you deal with hospital expenses due to Covid-19. They are the Corona Kavach Policy and Corona Rakshak Policy.

Furthermore, many insurers have introduced schemes that cover quarantine-linked expenses along with pre- and post-hospitalisation fees. Some policies may also include ICU costs. To summarise, health insurance can provide the much-needed protection in case you fall prey to the virus.

Compare our 9 Health Insurance policies and find one that suits you

​​

Reliance Health Gain Insurance

Health Gain insurance policy covers pre- and post-hospitalization expenses, day-care procedures, organ donor expenses, consultations, tests, and other such expenses that can put you in a financial crisis.

Plus Plan- ₹ 3 lakh and ₹ 5 lakhs

Power Plan- ₹ 10, ₹ 15, ₹ 20 lakhs

Prime Plan- ₹ 25, ₹ 30, ₹ 50, ₹ 100 lakhs

Buy Hea​lth Gain Insurance Online now!

Reliance Health Infinity Insurance

Health Infinity offers a wide coverage ranging from ₹3 Lakh to ₹1 Crore. Here you get the benefits of a Health Gain plan plus the option to increase your coverage amount and tenure. The Health Infinity plan also covers you for emergency treatments abroad, robotic surgeries, etc.

Buy Health Infinity Insuran​ce Online now!

​​​

​Reliance Health Super Top-Up

When your current health coverage falls short, Reliance Super Top-up provides an extra layer of protection. Even if you don't have health insurance, you can still buy this plan to maintain comprehensive coverage. Super Top-Up is a great way to financially safeguard yourself if you get hit by a major surgery or illness. The plan comes with a sum insured that ranges from ₹​5 lakhs to ₹ 1.30 crore along with multiple benefits.

Buy ​ Super-Top Up Plan ​ Now! ​
​

​

Arogya Sanjeevani Policy - Reliance General

Arogya Sanjeevani is a new health insurance policy implemented by the IRDAI and is offered by all the insurance companies in India. The standard plan provides for a basic coverage between ₹1 to 10 lakhs. The policy covers inpatient hospitalisation, day-care procedures, and Ayush treatment with a cumulative bonus of up to 50%.

Buy ​ Arogya Sanjeevani Health Insurance Online now!

​

Corona Kavach Policy, Reliance General

Corona Kavach Policy is an affordable health insurance policy that protects you and your family against hospitalization expenses due to COVID-19. The policy comes with a coverage of ₹50k to ₹ 5Lakh and starts from the day you get diagnosed with COVID-19. With the Corona Kavach Policy your expenses for PPE kits, home care treatment, Ayush treatment and pre-post hospitalisation are covered.

Buy Corona Kavach Health Insurance Online now!

​

Corona Rakshak Policy, Reliance General

Corona Rakshak Policy is another Covid related product from Reliance General that is meant for individuals. This policy offers a lumpsum benefit* of ₹50k to ₹2.5 lakh if you get diagnosed with COVID-19. Similar to the Corona Kavach Policy, coverage starts from the day you get diagnosed with COVID-19.

*Requiring hospitalization for a minimum continuous period of 72 hours. The positive diagnosis of COVID shall be from a government authorized diagnostic centres.

Buy ​ Corona Rakshak Health Insurance Online now!

​

Personal Accident Insurance

This policy safeguards your family's financial security in an hour of need. Death, permanent total disability, temporary total disability, broken bones, and ambulance costsare covered under this policy. You can also extend a personal accident insurance plan to include your entire family under a single policy.

Additional benefits: carriage of dead body, education grant & Cumulative Bonus.

Buy Personal Accident Insurance Online Now!

​​

Reliance HealthWise Policy

An affordable and comprehensive health insurance policy which lets you take care of the most important aspect of your life - your health! This policy offers complete hospitalization cover inclusive of doctor's fees, nursing expenses, OT charges, medicines and drugs, anaesthesia and oxygen administration expenses, surgical appliances, pacemaker and radiotherapy. The best part about this policy is that it even covers critical illnesses, making it one of the best policies available in the market.

Buy HealthWise Insurance Online now!​

​​​

​Reliance Critical Illness Policy

This policy acts as a financial cushion that helps you tide over medical exigencies that occur while treating a critical illness. The lump sum amount paid enables you to take care of hefty medical bills as well as the daily expenses. This critical illness policy covers 10 life-threatening​ and lifestyle-disabling diseases.

Buy Critical Illness Insurance ​ Online Now! ​
​

​​​

4 Features to Keep in Mind Before Buying a Health Insurance Policy

Here's a list of key features that are most sought-after in a medical health insurance plan. Keep these points in mind when comparing policies and you'll end up with a perfect plan.

No Sub-Limits on Room Rent: Every insurance plan covers room rents charged by hospitals. However, it may not cover the entire amount. In some cases, the insurers will cover room rents that are equal to 1% of your sum insured. In case you select a room that exceeds that 1%, you have to bear the extra cost.

An ideal health insurance plan, however, comes with no limit on room rent, meaning you get to select a room you please. Such health insurance plans will give you some peace in the unfortunate event of a hospitalisation.

Shorter Waiting Time for Pre-Existing Diseases: If you're someone who suffers from some pre-existing disease (PED) like diabetes, blood pressure, etc. then the insurance provider will inform you that need to wait for a certain period before you can raise a claim to cover the PED. This is common in any insurance plan out there. But some plans come with shorter waiting periods. Look for those plans to make your financial life a little easier.

No Co-Payment: The last thing you want in the event of a hospitalisation is using your savings to pay medical bills even after having health insurance. But there are some insurance plans that expect you to pay a certain percentage of the claim amount out of your pocket. This is known as co-payment. It's the sharing of the costs between you and the insurance firm. What you want is health insurance that has no co-payment at all. With no co-payment you can protect your savings while your health insurance covers all your hospital costs.

More Network Hospitals: When an insurance company says that they have so and so number of network hospitals they're referring to those hospitals where they have tie-ups with. If you get treated at a network hospital you get the benefit of availing cashless transactions. Here the network hospital and insurer settle all your medical bills. Now imagine an insurance plan that has a greater number of network hospitals. That makes it more convenient when you need to rush to a hospital. Select an insurance plan that has more number of network hospitals.

How to choose a health insurance plan?​

Here are some important factors to be considered when choosing a health insurance plan:​

Adequate coverage: ensure your health plan covers all your and your family's healthcare needs sufficiently.

Fits in your budget: choose a suitable healthcare plan that matches your and your family's medical needs without exceeding your budget.

Individual or family plans: opt for an individual or a family health plan as per your status. With a family health plan, you can derive maximum benefits at affordable rates.

Lifetime renewability: healthcare insurance plans that come with lifetime renewability are the best option.

Higher claim settlement ratio: insurers with a high claim settlement ratio are most likely to provide prompt and efficient services.​

Guide to Help You Choose the Perfect Health Plan

At Reliance General Insurance, we offer our customers a plethora of plans to choose from that covers a variety of scenarios Check out the below three scenarios to understand your health insurance needs:

​ First scenario: For those who want to insure themselves and their family including spouse, children, and parents

If you're looking to insure yourself along with your family members under a single plan, then opt for family health insurance. The benefits of family health insurance plans include cashless hospitalisation, base sum insured, cover for hospital fees, and much more.

Second scenario: For those who travel a lot and want financial protection during their trips abroad

If you're a globetrotter, you might want to consider purchasing the Health Infinity Plan. Designed for people between 18 and 65 years of age, this plan helps you manage your finances and receive medical treatment on your trips even out of India.

Third Scenario: For those who require coverage for specific health issues

The critical illness insurance plan covers a host of critical illnesses. Among these are multiple sclerosis, burns, and cancer. When you purchase this plan, you get a pre-decided lump sum amount upon making a claim.​

Why Buy Health Insurance While Young?

You ca​n get the benefit of lower premiums since insurance providers determine the premium amount as per your age and medical history.

You can reduce your tax liability as per the provisions of Section 80D of the Income Tax Act, 1961.

You can get cover for any medical conditions that you may suffer from at a later stage in life.

You can better manage your finances and investments after knowing that your medical expenses are adequately covered.​

Why buy health insurance online?​

Conveni​ence: You can buy health insurance at any time, from anywhere. With just a few clicks on your mobile device, pay the policy premium through a trusted platform and you are good to go.

Protected payments: Choose from a variety of online and digital payment modes to purchase and renew your insurance policies.

Quick access: Whether you want to customise plans, calculate the premium, add or remove members, or check coverage, you can do it all online.

Benefits of Buying Health Insurance Online

Some of the benefits of buying a medical insurance policy online are:​

Compare plans easily: You can compare the health insurance plans offered by different insurance companies and choose the one that suits you the best.

Enjoy convenience: You can purchase a policy online conveniently; you do not have to visit the insurance company office or negotiate with insurance agents.

Avail online discounts: You can enjoy discounts on premiums when you purchase policies online.

Pay low premiums: You can get the benefits of lower premiums when you buy health insurance plans online since insurers save on operational costs.

Do less paperwork: You can reduce your paperwork by buying medical insurance policies online.​

How to save tax with a health insurance policy?

Getting a health insurance policy from a reputed provider offers numerous tax benefits. As per the Income Tax Act, 1961, Section 80D, the premiums paid towards your insurance plan stand eligible for tax deductions. These deductions are offered as follows:

Rs. 25,000 deductions for an individual along with his family.

Rs. 50,000 deduction is available if the individual or his spouse is 60 years or older.

Deduction for parents' insurance depends on their age. The amount is Rs. 25,000 if they are less than 60 years old; else, it is Rs. 50,000.

Citizens of 80 years or more can also be allowed a medical expenditure of up to Rs. 50,000, despite being uninsured.

You can avail of a deduction of Rs. 5,000 for preventive health check-ups for yourself or your family members. This includes your spouse, dependent children, and parents.

Opt for a comprehensive health insurance policy today and save yourself from missing out on these helpful tax benefits!

Optional Add-ons in Health Insurance

In the simplest words, an insurance add-on refers to an additional benefit that you pay for, over and above the basic premium, as this benefit is not covered by default in your insurance policy.

Health insurance add-ons usually go a long way in bolstering your all-round health insurance coverage. This is mainly done by including extra protection as an essential part of your plan. By paying a little more, you can get these add-ons for that extra layer of protection.

Check out the following Health Insurance Add-Ons that strengthens your policy:

Maternity and new-born baby insurance add-on cover.

Hospital daily expenses add-on.

Emergency ambulance services.

Out-Patient Department (OPD) cover add-on.

Global emergency hospitalization add-on.

Critical illness add-ons.

Additional coverage over your original sum insured.

How to Calculate Health Insurance Premiums?

Now that you have understood the dire need for comprehensive health insurance, it is also integral to know if your premium amount is right or not. With just a few of your details, you can calculate your insurance premiums with ease!

Know Who All Are Covered in the Policy: By choosing an individual plan or a family plan your premium amount is calculated. This is one of the key deciding factors while calculating your premium.

Submit Your Documents: Provide the insurer with all the necessary documents along with your basic information like name and phone number.

Pick Your Health Insurance Plan: Selecting your policy is the most crucial phase of premium estimation. Your amount is directly influenced by the tenure of your health insurance plan, the total sum insured, and the add-ons you opt for.

What are the Factors that Affect Health Insurance Premiums?

Your health insurance premium is often influenced by a variety of factors. These can either bring down your overall payable amount or increase it in the longer run. Let's dive into the most critical factors that tend to impact your insurance premiums:

Pre-Existing Health Conditions: Your current health conditions and ailments if any will require more coverage than the standard one. This is likely to make your premiums cost more and is exclusive to your insurance plan.

Medical History: If you have a family history of health problems like blood pressure or asthma, you might want to get a more comprehensive insurance plan to mitigate the risk of future liabilities. Offering increased coverage, these policies lead you to pay higher premium rates as compared to a regular plan.

Age: Young people often require lesser medical assistance than older ones with critical health issues. Therefore, the younger you are the lesser rates of premiums you have to pay. Conversely, as you grow older, your premium amount will increase. Thus, it is always a good idea to opt for a dedicated health insurance policy while you are young.

Body Mass Index: Having a higher BMI puts you at a greater risk of severe heart disease. This requires enhanced insurance coverage for you to better deal with the possible medical treatments. So, individuals with higher BMI are likely to pay higher premium amounts.

Common Health Insurance Terms Simplified for You

To get a complete hold of your insurance policy and know exactly what each section means, refer to the following health insurance terms:

Premium: The amount you pay to the h​ealth insurance company for availing their insurance plan is called a premium. You can opt for different paying models as per your needs; monthly, quarterly or yearly. With regular premiums, you can continue to enjoy the tax benefits and seek financial support in your time of need.

Deductible: Deductible means a cost sharing requirement under a health insurance policy. It refers to an agreed amount that you will pay toward your medical bill before the insurance company steps in. . So before you can make a claim, you'll need to clear the deductible and then the insurer will do their part.

Co-payment: Co-payment, commonly referred to as co-pay, is the cost you will bear every time you opt for medical treatment. It is a specified percentage of the admissible claims amount. In other words, it is a percentage of the amount payable by the insurer towards your medical expenses.The amount often varies based on your health insurance policy.

Grace Period: It refers to the period of time immediately following the premium due date. During the grace period you can make payments to renew or continue an ongoing policy without loss of continuity benefits such as waiting periods and coverage of pre-existing diseases. Coverage is not available for the period for which no premium is received.

Sum Insured: The sum insured is the maximum amount payable by the insurance company to the policyholder in case of an emergency. This can be claimed with the required documents, helping you deal with your financial liabilities during the eventuality.

Pre-Existing Disease: If there was any condition, injury, ailment or disease that was diagnosed within 48 months prior to the first policy availed by the insurer, it is often called a pre-existing disease.

These are some of the most common health insurance terms that you should know before making the best decision for your health security. Our experts at Reliance General Insurance help you at each step of your insurance process and guide you in the right direction. Talk to us and know more now!

*T&C apply.​ For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for multiple products such as Health Gain Health Insurance Policy UIN -RELHLIP21514V022021,Health Infinity Insurance UIN -RELHLIP21521V032021 ,Arogya Sanjeevani - Insurance UIN -RELHLIP21001V012021,HealthWise Health Insurance UIN -RELHLIP21522V032021, Personal Accident Policy UIN -RELPAIP01002V010001, Reliance Critical Illness Insurance Policy UIN -RELHLGP08003V010708, Corona Rakshak Policy, Reliance General Product UIN - RELHLIP21093V012021, Corona Kavach Policy, Reliance General Product UIN -RELHLIP21092V012021

​

Frequently Asked Questions on Health Insurance

General

1. Can a person have more than one health insurance policy?

Yes, one can have more than one health insurance policy. However, you cannot claim similar expenses from them. Through this, the policyholders get the benefit of enjoying two plans that'll be useful in a wide variety of circumstances.

2. My employer provides me with health insurance. Do I still need one?

In today's time, most employers provide their teams with health insurance. While they offer some level of financial coverage, these plans are often not enough for your complete security. You may opt for an additional cover to get more benefits, including room-renting and co-pay.

3 What do you mean by the waiting period?

The waiting period refers to a specific amount of time that the insured must wait before their entire coverage slides into effect. For all the claims filed during the waiting period, the insured will not receive any benefits for the same.

4 What do you mean by a pre-existing disease?

If there was any condition, injury, ailment or disease that was diagnosed within 48 months prior to the first policy availed by the insurer, it is often called a pre-existing disease. Some of the most common pre-existing diseases include diabetes, sleep apnea, and various other chronic diseases.

5 Is my health insurance policy valid across the world?

No, not all. Basically, most insurance providers have restrictions on certain geographical boundaries. So, if you plan to travel abroad, you have to purchase separate health insurance in your destination country.

6 What are the modes available for the payment of premiums?

Various insurance companies provide multiple payment modes for purchasing premiums. The most common one includes annually, quarterly, and monthly, and in some cases, insurance providers also give an option semi-annually. It's usually the payment method only that determines the frequency with which the payments are majorly processed.

7 What is cashless mediclaim?

Cashless Mediclaim refers to a unique policy wherein the medical expenses along with the hospitalization charges are cleared between the insurance company and the hospital. This allows a policyholder to focus on treatment and recovery and not on hospital bills. With this benefit, you can easily bypass the reimbursement formalities hassle-free.

8 Why do you need health insurance?

Health insurance is extremely beneficial since it provides you with coverage against medical expenses and eases your financial burden during treatments. With a health insurance plan, you also get free preventive care, regular check-ups, etc.

9 Do health insurance plans cover Ayurveda and other alternative treatments?

With the current advancements, Ayurveda treatments are now covered by most health insurance plans. However, other traditional medications like naturopathy are not a part of most mediclaim policies.

Policy

1. How much should I pay for health insurance?

The premium amount that you should pay depends on your sum insured add-ons, your age, any pre-existing diseases, etc. Make sure that you opt for a plan that covers at least half of your annual income. As an indicative reference provided by experts, you should go for a cover of over ₹5 lakhs.

2. What is the waiting period for health insurance?

The waiting period for your health insurance is typically the time span where you cannot make claims under your plan. There is a wait for you to get all the covers as per the policy. The time period often depends on your health condition and mediclaim insurance.

3. Which diseases are covered under health insurance?

To offer complete protection against financial liabilities arising from medical treatments, mediclaim health insurance provides extensive coverage. The various diseases that are covered under the mediclaim policy include cataracts, heart diseases, diabetes (excluding disease as per permanent exclusion list which are Pre-Existing at the time of first proposal of this Product with the Company).

4. What factors determine my health insurance premium amount?

Majorly there are five factors that can make an impact on a health insurance premium purchase amount. These include location, plan category, age, and number of members covered and medical condition if any.

5. What if I forgot to pay my health insurance premiums?

If you, by any chance, have failed to pay the policy renewal premium, you become uninsured again. This indicates that the coverage served to you by your health insurance plan has been taken back. To avoid this, it's essential you pay the renewal premium before the due date.

6. How to check the status of my Health Insurance claim status?

This is quite a simple process. Go to the official website of your insurance company and click on the 'Lodge a Claim' icon on their homepage. Then hop on to the option of Track Claim Status. Once this is done, then put in the required details, including customer ID, policy number, name, etc., and then click on 'Submit.' Through this, the status of your claim settlement request will be clearly shown on the web.

7. Do I need to do a medical test before I buy health insurance?

You don't need to do a medical test before buying health insurance, unless you're above the age of 45. For those above the age of 45, certain medical tests are conducted before a policy is issued.

Cover

1. When can I have my children under my health insurance plan?

You can include your children under a family insurance policy from the time they're 3 months old. You can keep them in the same health insurance plan till they turn 25 years.

2. What is the ideal coverage amount I should include in my health insurance plan?

It's recommended that you have a sum insured that is at least double of your annual income. However, each person has their own needs that means you may need a higher coverage amount.

Renew

How do I increase my sum insured over my existing health insurance plan?

You can increase your sum insured either by buying an additional health insurance policy or by getting a top-up plan. Either way, you can increase your base coverage.

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Health Insurance A​rticles

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Inter​esting Health Reads

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Health Insurance: Buy Medical Insurance Policy Online starting at ₹243/month

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The Indian health sector is rapidly growing thanks to advancing medical infrastructure and investments. The insurance industry, along with India's health sector, is also riding a wave of growth and is expected to hit big numbers in the next decade. Yet, Indians are one of the highest out-of-pocket spenders on healthcare.

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Reliance General Insurance: Buy Car, Bike, Travel and Health Insurance Online

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Reliance General Insurance: Buy Car, Bike, Travel and Health Insurance Online

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Reliance General Insurance offers you the convenience of buying general insurance online, be it car, bike, health, or travel insurance. Get the best deals in India with fast and secure claim settlement.

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid)

​ IRDAI Contest Alert! Insurance Regulatory and Development Authority of India (IRDAI) is organizing an online "Tagline Contest" on MyGov.in portal, inviting captions that depict IRDAI's role as a development and regulatory body. Citizens can participate and win exciting prizes up to Rs. 35 lakhs. For more details, kindly visit www.mygov.in. The Competition closes on 31.08.2022. ​

Here's what our customers say about us!

Take a look at our blogs & articles!

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Buy/Renew Insurance Policy Online | Reliance General Insurance

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid) ​ IRDAI Contest Alert! Insurance Regulatory and Development Authority of India (IRDAI) is organizing an online "Tagline Contest" on MyGov.in portal, inviting captions that depict IRDAI's role as a development and regulatory body.

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Learn How To Transfer RC Online Easily with Reliance General Insurance

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Learn How To Transfer RC Online Easily with Reliance General Insurance

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Learn how to help someone in a heart attack emergency and get tips from Reliance General Insurance. Learn how to recognize the signs and symptoms of a heart attack and how to provide potentially life-saving assistance.

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How to Renew Car's Registration Certificate (RC) for Inter-State Vehicle Transfer?

Know about Re-registration Process for Your Vehicle Transfer

Just like car insurance and the driver's license, car's registration certificate (RC) is also a mandatory document for car owners. However, did you know that your RC comes with an expiry date? The RC of a car gets expired after 15 years from the date of registration and you need to renew it as you cannot legally drive without an RC.

What is the process of renewal of registration certificate?

Following are the steps to follow in completing the RC renewal process:

At first, you need to get a form 25 and fill it carefully without any errors.

Then, you have to submit that form, duly signed,, to the RTO where your car was originally registered.

Now, if any dues are pending on the vehicle, you need to clear those to proceed further.

Pollution control certificate

The expired registration certificate

A copy of the of the vehicle

Vehicle owner's PAN card copy

Chassis number and engine's pencil print

Signature of the vehicle owner on a paper
​

Finally, pay the fee required to complete the RC renewal process.

Documents to submit

While submitting Form 25 for RC renewal, you need to enclose a few documents with the form, which are:

How to get the car registration done for inter-state transfer of the vehicle?

If you are shifting your residence to another place, you need to register your vehicle with the state that you are moving to. There is a designated process for the same. Submitting a no-objection certificate (NOC) and paying off the road tax are two most important parts of completing this process successfully.

Following is the process, through which, a person can get their vehicle registered:

Arranging an NOC 1.You have to start with the submission of a declaration, in which, you have to claim that documents related to your vehicle are completely genuine and also that you have no dues left to pay.
2.Now you have to arrange for a NOC from the crime department, which proves that your car is completely and genuinely yours and not stolen from anywhere.
3.If you have a car loan pending, you have to make sure to fill a form 35, which is supposed to be obtained by the lender.
4.When you are done with the arrangement of the documents, you can move ahead with obtaining the main NOC from the RTO.
5.Now, you also need to enclose a few documents along with the NOC obtained from the crime department, traffic department, and the lender which include car insurance policy, pollution certificate, address verification, identity verification, and chassis number imprint.
6.When you are done with all these submissions, your RTO will release the NOC, allowing you to transfer your registration certificate. The time taken for the same is usually 3 weeks.

Arranging documents for re-registration1.A car insurance policy, RC Card, Pollution Certificate
2.Vehicle Invoice at the time of purchase

Re-registration of vehicle and road tax payment ​​​​
When you have your vehicle in the new location, you can submit a few documents, such as , PC, NOC, proof of the new address and several other documents, and pay road tax to finally complete the entire process.​

If you are seeking the registration of a pre-owned car, make sure to submit the details of ownership transfer. Now, your vehicle will be registered with the transp​ort authority of your new residential area. You can also ask for a refund from the road tax department of your old residence.

You should make sure that all documents related to your vehicle are up-to-date, as getting caught in the legalities is the last thing you would want to do. Also, with such an easy process of RC renewal and re-registration, you never have to think twice. Nowadays, most of the processes can be completed online, which assist significantly in getting things done with ease.​

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car registration transfer from one city to another

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How to Renew Car's Registration Certificate (RC) for Inter-State Vehicle Transfer?

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Just like car insurance and the driver's license, car's registration certificate (RC) is also a mandatory document for car owners. However, did you know that your RC comes with an expiry date? The RC of a car gets expired after 15 years from the date of registration and you need to renew it as you cannot legally drive without an RC.

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Helping a Heart Attack Victim: Tips & Advice | Reliance General Insurance

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Helping a Heart Attack Victim: Tips & Advice | Reliance General Insurance

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Learn how to help a heart attack victim and what to do in the event of a heart attack. Get tips and advice from Reliance General Insurance, to help you be prepared to handle any emergency.

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Learn CPR Process for a Heart Attack Victim – Health Insurance Article By Reliance General Insurance

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A heart attack occurs when flow of blood to the heart is blocked due to a clogged artery. It is advisable that you learn CPR process that can instantly help the victim. Reliance General explains CPR process and advices to have a health insurance in place

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Get Your PUC Certificate Online | Reliance General Insurance

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Get Your PUC Certificate Online | Reliance General Insurance

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Learn how to get a pollution certificate online quickly and easily! This guide provides step-by-step instructions on how to get your pollution certificate from a third-party provider in no time.

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​With digitalization, getting things at the comfort at your homes have been easier. Pollution Under Control Certificate or PUC certificate is a government-issued and mandated document that is awarded to the vehicle if its emission levels are within the authorized emission standards. This pollution test certificate must be present with every vehicle on the road at all times. Inability to produce this certificate when asked can lead to a heavy penalty against the driver or the car owner.

PUC certificate is mandatory to protect the environment from harmful gases emitted by vehicles as important it is to get a Car Insurance policy that protects your financial interest in case of an accident. This certificate costs between Rs. 60 to Rs. 100, depending on the vehicle and is valid for up to 6 months. The test for obtaining a PUC certificate can be taken at any PUC centre near you. This process has been further simplified by making it available online for people to access it in the comfort of their homes.

Here's how you can obtain your pollution test certificate online!

Application Process

Step 1: Get your vehicle's exhaust pipe scanned by the testing executives at your nearest PUC centre. It will be the determinant of its emission levels.

Step 2: Make the payment (offline or online) at the centre to initiate the process.

The government-affiliated PUC centres and RTOs are the only bodies that can provide a valid PUC certificate online.

Check Status Online

Government has now introduced a dedicated online portal, known as 'Parivahan Seva', for PUC certification. You can check the status, validity, etc. of your vehicle online through this portal.

Here's how you can access all the related information:

Process 1: This process can be used to check your PUC certificate online and view validity and reading.

Step 1: Visithttps://vahan.parivahan.gov.in/puc and click on the PUC certificate section

Step 2: Enter the required credentials which include registration number, last 5 digits of vehicle's chassis number, and captcha code. Submit to view the information.

Process 2: In case you have applied for a new PUC centre to get your emission levels tested, you can check the status of your application with this process.

Step 1: Visithttps://vahan.parivahan.gov.in/puc and click on the 'application status' section.

Step 2: Enter your application ID. Fill the captcha code and submit to view the status of your application​

Download PUC Online
With this new portal, this process has become highly efficient and accessible to people

Here's how you can obtain your PUC online

Step 1: Visithttps://vahan.parivahan.gov.in/puc and click on the 'PUC certificate' section

Step 2: Enter the required credentials and submit to be redirected to the page containing your PUC certificate

Step 3: If the certificate is under validity, you can download and print it easily.​

New technology has made basic automobile-related services much easier to access. Whether you need to get your PUC certificate or buy car insurance online, it can all be done with the touch of a finger. Make full use of this service and protect yourself from getting hefty penalties!

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Get a Pollution Control Certificate Online - Two Wheeler Insurance Blog By Reliance General

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Pollution Control Certificate is a document which approve the emission level of your vehicle. Reliance General explains how you can get it online and advices you to have a PUC for your vehicle as is it mandatory for making a motor insurance claim

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Quickly Repair Your Car Tyre Puncture | Reliance General Insurance

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Quickly Repair Your Car Tyre Puncture | Reliance General Insurance

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Learn how to solve one of the most common car issues - fixing a punctured tyre! Get step-by-step instructions on how to repair it safely and quickly, including the tools you need.

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​Flat tyres are not an uncommon sight. It is one of the most common problems that you will face while driving a car. A little nail, a small piece of glass, or any sharp object can damage the tyre of your vehicle. Punctured tyres can create a lot of hassle for you. No matter, if your car's tyre is a normal or a tubeless one, it is not possible to drive through the lanes in such condition as it can damage the vehicle rims and also potentially cause accidents. It may seem that taking the car to the garage is the best solution here. But, don't you think fixing the tyre by yourself can save your time and hassle of finding a repair shop nearby. It can also help you to come out of uncalled circumstances if you are stuck at a highway of a remote lane. Always carry a kit that can help you fix your car tyre puncture and have a car insurance policy​ in place.

​​​Here's the step-by-step process of fixing the puncture of your car's tyre-

1. Find the Leak
The first step is finding the leak. The object that has punctured the tyre is not easily found every time. It could be anything- a nail or a sharp object. Take a close look at the tyre and see if there's any hole or cut. If taking a visible inspection doesn't help, inflate the tyre to the appropriate pressure level and see if there is a hissing sound. However, if you are not able to detect the puncture by any means, mix some dish soap with water and spray or brush the mixture on the tyre. You will see bubbles coming out from the leaking area. Mark the spot with tape.

2. Loosen the Lug Nuts and Jack up the Car
The second step involves losing the lug nuts to remove the tyre. You can do it with an impact wrench or a lug wrench. Do this step before jacking up the car else it can spin dangerously at the time of removing the nuts.
It's the time to jack up the car to remove the wheels. You can do it by keeping your car on a concrete or plain surface to prevent your car from rolling! Use jack stands to keep the car stabilized. Now, position your car jack to the recommended jacking points of your car, and use it to lift the side you're working on.

3. Take off the Lug Nuts and Clean the Hole
Remove the lug nuts entirely so that you take off the wheel from the wheelbase. Now, it's the time to clean the leaking area by inserting the rasp tool in and out of the puncture/hole a few times.

4. Insert the Plug
A plug has to be threaded at the middle of the insertion tool to push it into the hole. For a better seal and an easy insertion, lubricate the plug with an adhesive such as glue or rubber cement. Now, keep the plug intact and don't move it for at least one minute so that the adhesive sets and dries. Cut out the part of the plug sticking out from the tyre surface.

5. Inflate the Tire
In the last step, you have to fill the tyre with suggested air pressure in order to ensure smooth movement of your car. Now, re-install the wheel, remove the floor jack, attach the lugs and tighten them to the proper torque.

Now that you have learned the entire process of fixing the puncture of your car's tyre, you can carry out the whole process without any assistance. Moreover, you should consider that repairing your tyre by yourself is not a permanent solution. You should take the car to the repair shop for a professional solution. Also, you can say goodbye to these hassles by covering your vehicle with comprehensive car insurance policy that offers Road Side assistance. You can buy Reliance Car Insurance to avail 24x7 Road Side assistance and other useful facilities.

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How To Fix The Puncture Of Your Car Tyre Yourself? - Car Insurance Blog By Reliance General Insurance

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Every car driver should learn to fix a punctured tyre. This is because your car's tyre can puncture at any stage of your driving and finding a mechanic immediately can be tedious. Reliance General explains the same and advises to have a car insurance

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Park Your Car Safely: Tips from Reliance General Insurance

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Park Your Car Safely: Tips from Reliance General Insurance

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Park your car safely and securely with these tips from Reliance General Insurance. Learn how to minimize theft, secure your garage, and protect your vehicle with these simple but effective steps!

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Guide to Spot the Best Space for Parking your Car – Car Insurance Blog by Reliance General Insurance

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“Prevention is better than cure” – This thought really makes sense when choosing a spot to park your car. Parking your car in the best space avoids all vulnerabilities of damages at the initial place and makes your car safer. Carry your car insurance.

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Avail Free COVID-19 Test in India | Reliance General Insurance

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Avail Free COVID-19 Test in India | Reliance General Insurance

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Get the latest information on COVID-19 testing in India. Learn how to avail free COVID-19 tests, including eligibility criteria, documents required, and other relevant details.

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​We all know about the impact the COVID-19 pandemic has on us. It is a communicable disease that spreads through respiratory droplets. It usually happens when an infected person coughs, talks, or sneezes. The symptoms are slightly milder in children. However, everyone needs to take proper care to be secure.

IRDAI launched corona kavach health insurance to allow people to get a proper insurance option against the virus.

How to get tested for COVID-19 free of cost in India?

In case you or your loved one have symptoms of coronavirus, call the CVOID-19 helpline number or get in touch with your family doctor. As per the regulation by IRDAI all the health insurance companies in the country will cover COVID-19 hospitalization expenses and cost of treatments incurred.

The Government of India has been pushing boundaries to restrict the spread of the diseases. Apart from mandatory lockdown guidelines and stressing precautionary measures, the Government also made testing for COVID-19 free in government hospitals and laboratories.

If you feel you have symptoms, you can get tested in the following way.

Call COVID-19 helpline number: Call the helpline number +91-11-23978046 or 1075 to get all the necessary support required

Report Symptoms: Report all your symptoms to see if you qualify for a test. If you do, then you will soon be tested at a government-approved lab

Test: You need to visit one of the approved labs along with taking all the precautionary measures and get tested by the lab

If you go to any private hospital you will have to bear the cost associated with the test.

Cost of coronavirus test at Private Labs

If you by chance plan to get tested at one of the private labs, here is some information you must know.

At the beginning of April, the private hospitals were charging Rs.4,500 for every COVID-19 test. It included a screening test for Rs.1,500 and the confirmatory test of Rs.3,000. This test is expensive and cannot be afforded by a majority of the population in India.

After the Government's intervention in June 2020, the cost of testing decreased by a good percentage. For example, now in New Delhi, the tests are capped at Rs.2,400, Maharashtra it's Rs.2,200 and Rs.2,800. In Uttar Pradesh, the cost came down to Rs.2,000-2,500. There could be an additional charge of Rs 500 for a home visit which is subject to the laboratory you are getting your test at.

​Free Covid-19 Test

Under the Ayush Bharat Yojna, the testing has been made free by the Government. The step was taken to contain the spread of the virus. It is made to provide timely health care to the poor and underprivileged.

It is recommended that in case you feel any of the symptoms, you must get tested as soon as possible to contain the virus from spreading. Invest in a health insurance policy to get the financial security you need.​

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Free Coronavirus Testing in India - Health Insurance Blog By Reliance General

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​We all know about the impact the COVID-19 pandemic has on us. It is a communicable disease that spreads through respiratory droplets. It usually happens when an infected person coughs, talks, or sneezes. The symptoms are slightly milder in children. However, everyone needs to take proper care to be secure.

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Learn About Jawa Bikes | Reliance General Insurance

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Learn About Jawa Bikes | Reliance General Insurance

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Experience the thrill of riding a Jawa Bike! Get the full scoop on the brand, from their rich heritage to their latest models. Learn about their impressive features and find the perfect Jawa for you.

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​For those who were born before the 1980s in India, Jawa, Royal Enfield, Yezdi, and Rajdoot were few of the most-heard bike names. Back in those days, Jawa, among the mentioned bikes had a cult following. The same fame and name are enjoyed by the Royal Enfield bikes currently. Jawa motorcycles ​ were sold in India till late 1973; later they were replaced by the Yezdi bikes.

However, Yezdi bikes did not enjoy fame for long as things changed post 90's globalization. More and more two-wheeler manufacturers came to India with exciting features and superior performance. Japanese companies like Honda, Kawasaki, Suzuki, and Yamaha launched several motorcycles as they considered India as a potential market. With passing time, the uses of the bike also changed. Earlier seen as a status symbol, bikes, these days are chosen as an everyday commuting vehicle. Bulky, huge, iconic bikes are replaced by compact, frugal and easy-to-use scooters and motorcycles. The only survivor of the industry's paradigm shift is Royal Enfield, the brand still has a cult following and craze among youngsters and oldies alike.
Making retro contemporary
The resurgence of the Jawa brand in India has been in the limelight since quite some time. In late 2016, Indian conglomerate Mahindra and Mahindra acquired the Czech motorcycle firm BSA and got the license to manufacture and sell Jawa Motorcycles in the Indian subcontinent. In 2018, the Executive Chairman Mahindra Group, Anand Mahindra announced the comeback of the iconic brand in India.
Back with a bang
Jawa Motorcycles is prepared to start an all-new episode in the Indian market. The brand's comeback has brought the nostalgic enthusiasts back into play. There is a host of owners and clubs with fully restored motorcycles on the road. On the other hand, the brand is eyeing to capture the interest of new and young Indian consumers. With the essence of nostalgia, the brand is ready for the customers those haven't experienced the bike, but has heard a tonne of stories from the veterans.
Variants available
Jawa has launched three bikes for the Indian market- the Standard Jawa, Jawa 42, and the Jawa Perak. The standard one flaunts a retro styling, which is similar to the older Jawa 250. The upright and comfortable ergonomics of this bike makes it perfect for long-distance touring. The Jawa 42, alternatively, boasts a much sportier ergonomic and has a lower handlebar. The Jawa 42 has a distinctive design, thanks to its blacked-out fork covers and altered headlight design.

Moreover, it is priced at Rs. 9000 lesser than the standard model. Both the bikes have a 293cc DOHC liquid-cooled engine that offers an impressive pick-up and acceleration. A single-channel ABS is present for safer rides.

The Perak, on the other hand, is the bobber variant among all the options. The bike is way better than the other two and gets several enhancements. The Perak will seize your attention with its bobber-like styling, hardtail look, and minimalistic bodywork. The bike is powered by a DOHC, liquid-cooled 334cc engine that produces 30.4PS and 31Nm. For safety, it is equipped with rear disc along with dual-channel ABS.

Owing to heavy demand of the bikes, the launch of the bikes has been reportedly pushed to September 2019. The nostalgic feel, culture and a huge ride factor that goes with this brand make it a real stunner. As per the MPV act, it is compulsory to ensure your bike with comprehensive bike insurance. You can even buy a two wheeler insurance policy online with zero paperwork.

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What is the New Wave of Jawa Motorcycles in India? - Two Wheeler Insurance Blog By Reliance General Insurance

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Jawa Bikes are the new talking point in India. The return of this desirable bike brand have made bike enthusiasts very happy. Reliance General explains in detail about Jawa Motorcycles and advices to have a two wheeler insurance in place

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Understand HSRP Number Plate & Its Meaning - Reliance General Insurance

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Understand HSRP Number Plate & Its Meaning - Reliance General Insurance

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Learn the meaning and purpose of HSRP number plates. Get an overview of what they are, how they work, and why they are important. Understand the importance of HSRP plates in India and get up to date with the latest regulations.

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​The ministry of road transport and highways issued an order that mandates all the vehicles sold before 1 April 2019 need to have a High-Security Registration Plate and colour coded fuel sticker. However, due to unclear guidelines, people were left confused and frustrated. If you need some clarity on whether your vehicle needs High-Security Registration Plate and the right method to get it, this article might help you with the details. Invest in a car insurance policy if you are planning to get a new car.

What is HSRP and Colour Coded Sticker?

HSRP plates are standard plates with few features that are different and easily identifiable. These are signs which prevent others from tampering with number plates. HSRP is only issued after the vehicle is registered with RTO digitally, the registration will be linked only to your car. It will prevent vehicles from theft and will also stop misuse of the plates.

Some official features of HSRP

The hologram is hot stamped and is chrome based

Blue IND acronym for India

Laser branded identification number unique for each vehicle

White (or yellow in case of a commercial vehicle) retro-reflective sheet

If any of these features are missing, you are driving with an unofficial registration plate which would be liable to fine.

Colour Coded Fuel Sticker

It is also called a third registration plate that is affixed to the windscreen of the vehicle. Previously this sticker was supposed to be transparent, but now it is colour coded. Colour coding is done to differentiate between diesel, petrol and gas cars. Blue sticker is mandatory for petrol cars, orange stickers are for diesel cars and BS6 cars are to be fitted with a green sticker.

How to get HSRP for your car?

The process of getting HSRP varies depending on the state in which the vehicle was registered. For this, you will need to cross-check with the RTO for the list of a car dealership to which authority for giving HSRP plates and colour coded stickers are given. A few states have handed out the process to private organisations.

The prices of getting HSRP also vary from state to state. The average price for getting HSRP for two-wheeler is Rs 400 while for four-wheeler the cost is around 1000. The average price of a sticker is Rs 100. The prices specifically for your location may vary, thus the best thing is to check with the retrospective RTO for the best price.

Is HSRP mandatory?

After the amendment having HSRP is mandatory to avoid fie of Rs. 5,000 or even 10,000. If you have bought a car after 2010, then it might already have an HSRP plate. In that case, you will only need to get a colour-coded sticker according to your car.

What about cars registered in other states and driven in others?

You may not be resident of t​he state you purchased your car in or you might be driving your car in another state than that of purchase state due to job transfer. Unfortunately, you will not be able to obtain an HSRP or the colour coded sticker from the state you are currently residing in. You will need to approach the RTO of where your car was registered ad apply. Renew motor insurance with all these measures to be safe while driving.

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What Is High-Security Registration Plate? - Car Insurance Blog By Reliance General

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The ministry of road transport and highways mandates all vehicles sold before 1st April 2019 need to have a HSRP. Read this blog to learn what a high-security registration plate is. Get a car insurance from RGI to keep you protected from unexpected risks

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HDL vs LDL Cholesterol: What's the Difference? | Reliance General Insurance

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HDL vs LDL Cholesterol: What's the Difference? | Reliance General Insurance

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Learn the key differences between HDL and LDL cholesterol and how to keep them in check. Get reliable insights from Reliance General Insurance - the leader in health insurance.

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Explain Good Cholesterol and Bad Cholesterol - Health Insurance Blog By Reliance General Insurance

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Cholesterol are of two types namely good cholesterol and bad cholesterol. It is must that you know the difference between HDL and LDL. Reliance General explains types, causes, solutions of cholesterol and advices to have a health insurance in place.

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Air Pollution: Understand Its Effects on Health | Reliance General Insurance

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Air Pollution: Understand Its Effects on Health | Reliance General Insurance

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Do you know about air pollution and its health effects? Learn how air pollution can affect your health and what steps you can take to reduce its impact with this comprehensive guide by Reliance General Insurance.

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Harmful Effects of Air Pollution On Your Health – Reliance General

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Air pollution is a major problem in India, but getting a health insurance policy is a step in the right direction. Visit us at Reliance General for more information.

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Find Out How to Get Your Bike Chassis Number Online: Reliance General Insurance

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Find Out How to Get Your Bike Chassis Number Online: Reliance General Insurance

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Learn how to quickly and easily obtain your bike's chassis number online with Reliance General Insurance. Get all the information you need to ensure your bike is properly registered and protected from theft.

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​When you go to buy a bike, what do you first see in it? Obviously, you will see the bike's body, design, and graphics. These glamourous things attract everyone. However, there are some mundane details that we don't give importance to, but they are very essential as they are used for identification and record-keeping. These are your bike's Chassis Number, Engine Number, and Vehicle Identification Number. These numbers are important but not many of us know what it is and where to find it. Today we have shared a guide that will help you understand what these numbers are and how can you can find them on your beloved bike. But before that, make sure that you insured your bike with bike insurance ​. Let's begin:

What Is A Vehicle Identification Number And Where Can You Find It On Your Bike?

A VIN or Vehicle Identification Number is a unique code. VIN consists of letters and numbers, which can be used to identify vehicles. With the help of the VIN, one can easily get the information about where this vehicle was manufactured. VIN consists of 17 characters. These 17 characters are classified into three sections:

World Manufacturer Identifier: Characters 1 to 3 of VIN are known as the WMI code. This code tells from where the vehicle has been manufactured.

Vehicle Descriptor Section: Characters 4 to 9 of VIN consists of the Vehicle Descriptor Section. This section gives characteristic features of the vehicle.

Vehicle Identifier Section: Characters 10 to 17 of VIN consists of the Vehicle Identifier Section. This provides information about the model year, engine, plant code, and transmission.

The VIN of the bike is usually located on the steering neck. On some bikes, it is placed near the bike's motor. To know more about where you can find VIN on your bike, get in touch with your manufacturer or dealer.

What Is A Chassis Number And Where Can You Find It On Your Bike?

Chassis Number of the bike is the part of the VIN. Your bike's Chassis Number is the last six characters of a VIN.

If you can find VIN on your bike, then you can also find Chassis Number as it is the part of VIN. You can take the help of the mechanic if you are finding it difficult to find the Chassis Number. Other than bikes, you can find this number on the Registration Certificate and Owner's Manual. One can check this number online. But only authorized users such as two wheeler insurance companies, banks, etc. can check this number online.

What is the Engine Number and Where Can You Find It on Your Bike?

As the name suggests, an Engine Number is placed on your bike's engine. This number is also used for identification, but it is different from the Vehicle Identification Number.

You can find Engine Number on your bike's engine. However, you need to look at an angle to see the Engine Number on your bike's engine. You can also find it on the Registration Certificate and Owner's Manual.

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How to Find VIN, Chassis and Engine Number of Your Bike - Two Wheeler Insurance Blog By Reliance General

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It is very important to know the VIN, Chassis and Engine number of your bike for identification. Reliance General explains how you can find the VIN, Chassis and Engine number of your bike and also advices to have a bike insurance in place.

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Buy a Fuel-Efficient Bike in India | Reliance General Insurance

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Buy a Fuel-Efficient Bike in India | Reliance General Insurance

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Looking to buy a fuel-efficient bike in India? Check out our selection of the most fuel-efficient bikes available in India. With our range, you can save money on fuel and also enjoy a smooth, comfortable ride.

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Fuel economy has been one of the reasons that many people who would otherwise be able to afford cars still continue to use two wheelers for their daily commutes. If you are looking to get from Point A to Point B at the least possible price but do not want to be stuck with waiting on bus stops or spend hours getting stuck in security checks at metro stations, a commuter bike is the best choice. These bikes are agile, easy to ride, cheap to buy and cost effective to maintain.

Here is a look at some of the best commuter bikes from top three bike manufacturers available in India that offer the best mileage along with bonus tips to ensure lowest total cost of ownership.

Bajaj Platina 110: Platina has been one of the most affordable and high selling motorcycle product lines from Bajaj. It was one of the first motorcycles in India to claim to offer 100 kmpl mileage. Even today this is one of the best choices for anyone looking for the best commuter bike in the country. With a 115cc engine that offers 8.4 bhp at 7,000 rpm it is enough for stop and go traffic in cities and rusty rural roads. It is also very cheap to own andtwo wheeler insurance for Bajaj Platina is also rather cheap.

Hero HF Deluxe: Hero is the largest two wheeler manufacturer in the world and they have built their reputation of being the best commuter bike manufacturer. Their HF Deluxe model comes with a 97cc engine that comes with fuel injection and complies with the new BS6 emission control norms. This engine has 10 integrated sensors which makes it one of the best performing engines in the class. Hero has also introduced Xsense Technology to make the bike perform even better. You can easily buytwo wheeler insurance for Hero HF Deluxe because almost every insurer has this model among their most popular options.

TVS Star City Plus: TVS has become the third place holder in terms of top selling motorcycles in India. The scooters from TVS have started to shake the crown of HMSI which has been ruling the roost with its Activa line up. TVS Star City Plus is their new commuter bike model which is Bs6 compliant and comes with a segment first all LED headlamp, In terms of looks as well, this motorcycle is one of the best lookers. The catch with this bike is that its new BS6 model comes with a significant price premium. If you are looking to buy this bike, it is important that you try to save every rupee that you can. This means seek aggressive discounts, look for festive offers and ensure that you buytwo wheeler insurance for TVS Star City Plus online if you get a better deal when compared to what the dealer is offering.

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If you are looking for bikes with the best mileage, you need to understand that you will need to live with lack of power. Yet the inherent purpose of these bikes is not to be fast or powerful or flashy, they are just great at what they are supposed to do! Make sure you have a bike insurance​ before taking your two wheeler on road to avoid paying fines and also have a financial security against damages.

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Fuel Efficient High Mileage Bikes in India

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Fuel economy has been one of the reasons that many people who would otherwise be able to afford cars still continue to use two wheelers for their daily commutes.

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Buying a Second Hand Bike? - Get Essential Tips Here!

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Buying a Second Hand Bike? - Get Essential Tips Here!

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Get valuable tips on buying a second-hand bike! Learn what to look for when shopping for a pre-owned bike, as well as common mistakes to avoid. Get the information you need to make the best purchase decision.

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​In India, bikes help you snake through congested or narrow streets effortlessly and be the master of your own schedule. You don't need to wait for public transport when you have a bike to call your own. Especially, when it's a second-hand bike, the affordability factor makes it a hot favourite among countless Indians. And the good news is that you can get used bikes in great condition nowadays, if you do your homework.

Plus, with leading insurance companies providing bike insurance these days, it has become stress-free to get the model you want. You can choose from third-party bike insurance , own-damage policy or comprehensive policy based on your need and budget. However, first, there are certain things you need to keep in mind.​

T hings To Consider While Buying a Second-hand Bike

* Servicing Record-

With the help of servicing record, you can find out about the current and past condition of the bike. It tells you how many times the said bike has gone for servicing and for what reasons. You may simply request an estimation if there is no written record.

* Check Vehicle Identification Number (VIN)

It is a unique serial number that serves as the bike's legal identification number. The VIN number is inscribed on the steering neck part of the frame. This number should always be compared to the VIN stamped on the engine. However, if the bike is old, you may need the assistance of a mechanic to locate this number. Always keep in mind that the same number should appear on the registration certificate as well.

Similar to an elephant whose one set of teeth is for pure show and the other to chew with, your bike may appear amazing from the outside but might be different on the inside. As such, take a test ride to check the pace, mileage, and whether you are satisfied with the vehicle's efficiency or not.

* Check Documents-

Before you buy your second-hand bike, make sure the seller has all the required documents. These documents include bike insurance policy, RC book, pollution certificate, extended warranty if any, original invoice, RTO forms like Form 28, 29, and 30.

* Thorough Inspection-

Before buying a bike, make sure to check it thoroughly. Inspecting the bike will give you an idea about its condition. Look for dents, bruises, worn brakes, and dim headlights.​

* Check the available options-

Never rely on a single dealer for your bike purchase. Always look around to see what various dealers have to offer. As such, you may get a better deal from a different dealer for the same bike or a different bike.

* Negotiate-

You may get a chance to reduce the asking price for each flaw you discover in the bike. So, don't be afraid to bargain. Do not sign the paperwork until you are sure that you have gotten a decent deal.

Once you get the deal, the next step is to transfer the bike ownership.

How To Transfer Bike Ownership?

Before moving on to the procedure, let us first know about the documents required for the bike ownership transfer.

* Registration Certificate Book

* Pollution under control certificate

* Sales Invoice

* Transfer Deed

*Bike Insurance certificate

* Road tax certificate

* Three copies of Form 28 if a vehicle is transferred from one state to another. Form 28 serves as a No Objection Certificate.

* Two copies of Form 29 that are duly filled along with the signature of the seller.

* Two Copies of Form 30 signed by both parties.

* If the bike was purchased on a loan by the seller, then a NOC by the lender must be produced.

*Address proof of the seller along with three passport size photographs.

In order to execute the ownership transfer of a bike, a buyer must also present the following documents.

* A valid proof of identity

* A valid proof of address

* Two photographs -passport-sized

As per Rule 81 of the Central Motor vehicles Rule, 1989, these documents, along with a registration fee, must be submitted to the registration authority.

*To begin, the applicant must submit an ownership transfer application to the RTO where the bike was registered. This process is handled by the bike's seller in the case of a sale. However, in the event of the owner's death, it is done by the person to whom it is transmitted.

* Secondly, it is mandatory that all necessary documents such as the RC, tax paid receipts emission test, insurance, three passport-sized pictures, and the seller's address proof along with Form 29 and Form 30 are submitted to the Directorate of Transportation office.

*Finally, the concerned RTO must be notified of the bike's sale or transfer within a certain time frame. Within two weeks, in-state ownership transfers must be reported, whereas out-of-state ownership transactions must be reported within 45 days.

Once bike ownership is transferred, the next step is to transfer the bike insurance.

* Within 15 days from the ownership transfer, the owner should apply for the transfer of insurance.

* Carry the required documents, such as the registration certificate, details of the original insurance policy. You should also mention the vehicle information, date of ownership transfer, name of the dealer, and the premium amount paid.

*Along with the owner's personal information, the buyer should present his or her personal identification, such as a PAN card or Aadhar, a driver's license, or other forms of identification, for the insurance transfer's record. The name on the policy will be changed to the new owner's name once the insurer has verified all the documents.

* Third-party insurance plays a crucial role in calculating the bike insurance premium ​. As such, it becomes necessary for the bike owner to submit the third-party insurance at the time of transfer.

T ypes of Insurance Available for Used Bike

Third-Party Bike Insurance

As the name suggests, this insurance protects the third party against harm caused by the insured vehicle. It covers vehicle and property damage, physical injuries, and death.

What is not covered?

* Accident caused by drunken driving, an accident did intentionally.

* Third-party bike insurancedoes not provide coverage if your bike is stolen or it is used for illegal or commercial purposes.

* It does not cover add-ons like breakdown assistance, parts depreciation, etc.

Own Damage Policy is the stand-alone bike insurance scheme that solely protects your own motorcycle in the event of damage or failure. A similar situation may occur as a result of an accident, collision, natural disaster, or even a fire. This policy was introduced by IRDAI, few years back.

In addition to third-party policy, comprehensivebike insurance protects the rider from his vehicle damage. It protects your bike from incidents of theft, accidents, fires, manmade disaster, natural disasters, and other hazards. It also provides coverage in case of personal injury while riding your bike .

Conclusion-

Nowadays, functional and efficient second-hand bikes are readily available in the market. Aside from that, the transfer of ownership and insurance is a painless procedure. As a result, purchasing a used bike is a good idea if the above-mentioned factors are carefully considered.

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​In India, bikes help you snake through congested or narrow streets effortlessly and be the master of your own schedule. You don't need to wait for public transport when you have a bike to call your own. Especially, when it's a second-hand bike, the affordability factor makes it a hot favourite among countless Indians.

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Find Engine & Chassis Numbers Online Easily | Reliance General Insurance

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Find Engine & Chassis Numbers Online Easily | Reliance General Insurance

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Search for your engine and chassis numbers quickly and easily with Reliance General Insurance. Check online to get the right information and ensure your car is legally registered and insured. Get accurate information in minutes.

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Procuring a two-wheeler or a car requires a major investment. The very fact that buying vehicles cost so much means that taking good care of them is a matter of utmost priority. There are several methods used by vehicle manufacturers to ensure proper tracking of vehicles in cases of theft and accidents.

Some of the almost universal methods are to use special identification marks and unique vehicle identification numbers, like those on chassis, engine and now in the case of cars. These are mentioned in your vehicle RC and are required when you buy a motor insurance policy.

What are the chassis and chassis number?

The chassis of a vehicle is the frame around which the vehicle is built. It provides the core structural strength to the vehicle. Since it is the largest and strongest part of the vehicle, it is marked with a special identification number, commonly known as the chassis number. The chassis number is meant to be used in case the vehicle meets an accident or gets stolen. The chassis number is marked in the vehicle registration form with a pencil print and is printed in the vehicle registration certificate as well as car insurance or two-wheeler insurance papers, as the case may be.

How to find the chassis number?

Depending upon the type of vehicle, you will have to search around the exposed part of the body and frame of the vehicle to find the chassis number.

For two-wheelers like scooter or motorcycle, the chassis number will be located either on the handle connection point of the vehicle or at the place where the pillion seat is connected to the frame of the vehicle.

For cars, the chassis number can be located in many places. Common ones include the B-Pillar bottom on the driver side or in the hood above the cam cover.

What is VIN?

VIN or a Vehicle Identification Number is a 17-character identification code for cars. It includes codes to identify where the vehicle was made, who was the vehicle manufacturer, vehicle make and model, manufacturer security code and the serial number of the vehicle.

What is the engine number?

The engine of any vehicle is like its heart and is the most important part of it. It is also one of the most expensive parts of your vehicle. Whether a two-wheeler or a car, the engine number is engraved on the engine block. This is done for many reasons. The most common is to prevent the engine or the vehicle from being stolen. Then there is the fact the engines tend to be very strongly built and can survive even the worst of accidents. This makes identification of damaged vehicles possible, making life much easier for police and motor insurance companies.

How to find the engine number:

Regardless of the type of vehicle, you will always find that the engine number is located on the engine.

For two-wheelers like scooter or motorcycle, you will find the engine on the lower half of the engine block. In bikes, the number may be exposed and thus easy to find. In scooters, the engine number will be on the under-body panel or on the faring, so you might need a tool to check it.

For cars, the engine number can be found by popping the bonnet and looking at the engine.

Always ensure that the engine number, chassis number and VIN of the vehicle remain intact. They are needed for car insurance or motorcycle insurance, both, at the time of policy purchase and insurance claims. If you are buying a used vehicle, make sure that these numbers are intact and match the registration document. It is best you know and memorizes these numbers, if possible.​

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Easy Ways to Find Chassis VIN and Engine Numbers

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Procuring a two-wheeler or a car requires a major investment. The very fact that buying vehicles cost so much means that taking good care of them is a matter of utmost priority. There are several methods used by vehicle manufacturers to ensure proper tracking of vehicles in cases of theft and accidents.

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Petrol Vs Diesel: Understand the Difference - Reliance General Insurance

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Petrol Vs Diesel: Understand the Difference - Reliance General Insurance

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Are you confused between petrol and diesel? Find out the advantages and disadvantages of petrol and diesel, and make an informed decision with Reliance General Insurance. Learn the differences today!

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Petrol vs Diesel Cars: Which is Better For You?– Car Insurance Blog By Reliance General

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Want to buy a new car but confused? Read this blog to learn the differences between petrol and diesel carsto help you decide which is better. Make sure to get a car insurance from Reliance General Insurance to keep you protected against unexpected risks

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Discover the Cleanest Air in the World: A Guide from Reliance General Insurance

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Discover the Cleanest Air in the World: A Guide from Reliance General Insurance

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Experience the cleanest air in the world with a guide from Reliance General Insurance. Know about the measures you can take to ensure the cleanest air for you and your family. Get all the information you need from this comprehensive guide.

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Clean Air is not only important for the health of the residents of the country but is also one of the key factors in the growth of tourism. A place with clean air is likely to grow more rapidly in terms of tourism in comparison to other countries. When we are planning a foreign trip, we often think about the quality of life at the place and how peaceful it would be.

Now as we have begun talking about travelling, it is important to start with mentioning the importance of travel insurance for any kind of foreign travel. If you are planning to have foreign travel and looking for a clean place where you get clean air to breath in here is the list of 5 countries with the cleanest air.

​The country has one of the cleanest airs as it's the least population density and the greenery combines with the scenic beauty makes this one of the most popular travel destinations for people. This is also a widely popular shooting location. It is located in Northern Europe and is a famous travel destination.

Canada is the biggest country in the least of a country with clean air. The population of the country is good enough but due to low population destinations, it has managed to keep the air clean. The country has a massive geographical diversity which makes it home for a large variety of flora and fauna. The green cover of the country with strict environmental policies gives it one of the cleanest airs and makes it a widely popular travel destination. Make sure to buy a Travel Insurance for Canada before you travel.

The country is located in Northern Europe and is neighbour to Sweden and Norway. This is one of the highest flourishing regions in the word if everything is combined. The conditions are often similar but still, the country has cleaner air than the neighbours. The dense forest could be one of the reasons for clearer air quality. Also, Finland is one of the happiest places and is the best tourist destination. You'll find that there surely is a link between a clean and green environment with a happiness index. Ensure you get a Schengen Travel Insurance before you travel.

Brunei is the only Asian country is the list. Asia is famous for one of the most polluted countries but this has made it into the list. The country shares the border with Malaysia. The country had attained freedom in 1984 from the UK and still has managed to climb the growth ladder. Despite the rapid industrial growth, the country manages to be on the list due to rich bio-diversity. Don't forget to buy Asia Travel Insurance before you leave.

The country is located in Northern Europe and is on the list due to large forest cover and less population. Like other countries, it rates higher in the Human development index.

If you are planning to travel to one of the countries buy travel insurance online now and have a safe trip

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Top 5 Countries With The Cleanest Air - Travel Insurance Blog By Reliance General

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Clean air is not only important for the health of residents, but is also a key factor in the growth of tourism. Here are the top 5 countries with the cleanest air. RGI offers travel insurance policies to keep you protected against unexpected risks.

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Explore the Best Cars Under 6 Lakhs | Reliance General Insurance

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Explore the Best Cars Under 6 Lakhs | Reliance General Insurance

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Explore the best cars that come with features and benefits under 6 Lakhs. Get all the information you need, along with tips and advice from Reliance General Insurance.

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​Budget cars are compact, attractive, fuel efficient, easy to park and have a significantly lower car Insurance premium. No wonder they are a hot commodity in the car market. Gone are the times when the average car buyer was restricted to 3-4 car models. The Indian car market has expanded significantly over last two decades. In the present time and age, even the average consumer is flooded with dozens of choices. Given the rapidly expanding middle class in the country, most of the car manufacturers are coming up with new and better entry level car models each year. If you are planning to buy a car under 5 lakhs, the market is rife with choices. Naturally, choosing the perfect one from the clutter can be confusing. To make things easier for you, we have listed our top picks for Budget Cars in India along with all the important specifications

​ Tata Tiago

The ​Tata Tiago stands out from its counterparts with its striking modern design, spacious cabin, considerably powerful engine, good built quality and most of all, it's attractive pricing. It is available in both petrol and diesel variants and offers commendable fuel efficiency. The car also boasts smart and convenient features such as smartphone enabled Turn-By-Turn Navigation App, Multi-drive Mode and 22 Utility Spaces. It is definitely among the best cars available today in the budget hatchback segment.

: - Rs 3.20 lakh to Rs 5.67 lakh (ex-showroom, Delhi)

The Renault Kwid is currently the hot favourite in its segment, given its sporty SUV-like build, airy cabin, smart features such as digital instrument cluster, touchscreen infotainment system and excellent ground clearance. The car is powered by an 800cc 3-cylinder petrol engine paired with a manual transmission.

The Maruti Suzuki Celerio​ was the first car to introduce automated manual transmission (AMT) in its segment. The car is perfectly suited for city drives and is among the most fuel-efficient cars available in the market today. It comes in both petrol and diesel variants and is powered by a 1.0-litre K10 petrol engine and 800cc DDiS diesel engine.

Price: Rs 4.03 lakh to Rs 5.11 lakh (ex-showroom, Delhi)

Mileage: -Diesel - 27.62 KMPL, Petrol - 23.1 KMPL

Although the Hyundai Grand i10 is the oldest car on the list, it is still one of the best. The Hyundai Grand i10 offers a host of smart features such as keyless entry, button start, parking sensor and top-notch safety features like dual airbags and ABS. You can buy the petrol model under 5 lakhs. The petrol version of the car is powered by the sturdy 1.2-litre Kappa petrol engine. The Hyundai Grand i10 is available in both automatic and manual transmission options.
: - Rs 4.91 lakh to Rs 7.02 lakh (ex-showroom, Delhi)
: - Petrol - 18.90 KMPL

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Best Budget Cars Under 6 Lakhs - Car Insurance Blog by Reliance General Insurance

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Cars are something which comes in a variety of ranges. Everybody has a certain budget to buy a car. Reliance General have listed good options which you can consider if you have a budget under 6 lakhs. Always carry your car insurance while you are driving.

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BS4 vs BS6: What's the Difference? | Reliance General Insurance

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BS4 vs BS6: What's the Difference? | Reliance General Insurance

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Learn about the differences between BS4 and BS6 motor vehicles. Discover why the switch to BS6 emissions standards is important for the environment and your pocket. Get all the details from Reliance General Insurance.

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BS-IV vs BS-VI: What Are The Differences?– Car Insurance Blog By Reliance Generals

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Looking to buy a new vehicle but confused? Read this blog to learn the differences between BS-4 and BS-6 and help you decide which is better. Make sure to get a car insurance from Reliance General Insurance to keep you protected against unexpected risks

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Explore Famous Deserts of the World | Reliance General Insurance

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Explore Famous Deserts of the World | Reliance General Insurance

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Discover the world's most impressive deserts, from the Sahara in Africa to the Gobi in Mongolia, with Reliance General Insurance. Learn about the unique plants and animals that inhabit these regions, and their cultural significance.

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​Covering the one-third of Earth's surface area, deserts are more than just sandy, lifeless dunes of storybooks. Deserts are one of the most dramatically enticing natural landscapes on the planet. Their beauty is timeless, and they are totally diverse from each other. In deserts, life exists at the mercy of the elements. The hot dunes of Saharan Desert are totally different from the icy tundra of Antarctica Deserts. Despite their differences, these regions are termed as deserts because all of them receive less than 250 mm of rainfall a year.

Listed below are a few famous deserts across the world -
1. The Sahara Desert
The world's hottest desert is the Sahara Desert. This desert is the third-largest desert in the world after Antarctica and The Arctic. Almost as large as the United States, The Sahara Desert covers most of North Africa. The temperature in the Sahara can easily reach the 50-degree mark during high summer. On the other hand, the nights are totally freezing as the temperature drops drastically. The dunes in Sahara are enormous, and some of them reach up to 180 meters high!
2. The Namib Desert
Accounted as the world's oldest desert, the Namib Desert is stretched across Namibia, Angola, and South Africa. The desert expanses for around 2000 km along the Atlantic Coast. This 43 million years old desert flaunts epic cinematic landscapes and tall dunes, which makes it a great tourist destination. You will also be able to find 'The Skeleton Coast' that has several whale and seal bones that wash up to the shores. Get ready to explore a diverse set of wildlife, many of which exist nowhere else on the planet.
3. The Gobi Desert
Gobi Desert is stretched from northern and north-western parts of China to southern Mongolia. The Desert is created by the rain shadow cast by the Himalayas. It's the fifth-largest desert across the globe and the largest one in Asia. It may come to you as a surprise that The Gobi desert is actually cold. You may find frost and snow in the dunes, depending on the time of the year. In winters, the temperatures get as low as -40 degrees. On the other hand, the summers can be as hot as over 50 degrees. The whole area is famous for archaeologists as the source of important fossils - particularly dinosaur eggs.
4. The Atacama Desert
The driest desert in the world is the Atacama Desert. It is mostly comprised of salt lakes and sand. Imagining how dry the desert really is? The average rainfall in several regions of the desert is just 1 millimetre and some weather stations have never received rain!

These deserts are both deadly and beautiful, and you have to be really cautious while visiting them. Go through the dos and don'ts, and don't forget to insure your trip with a travel insurance policy. You can avail several benefits from a travel insurance policy. It offers emergency cash assistance, trip delay, lost passport, etc. You can also buy a travel insurance policy online. ​

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Top Deserts Around The World To Explore - Travel Insurance Blog By Reliance General

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Visiting a desert destination helps you in having a peaceful experience watching the sunrise, sunset and the starry night sky. Reliance General lists top deserts around the world to explore and advices to have a travel insurance in place for your trip

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Unlock the Health Benefits of Neem Leaves | Reliance General Insurance

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Unlock the Health Benefits of Neem Leaves | Reliance General Insurance

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Discover how neem leaves can bring a wealth of health benefits to you and your family. Get insights from Reliance General Insurance and learn how to use neem leaves to benefit your health and well-being.

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Neem holds a significant position in the Indian traditional culture. We all have heard a lot about the benefits it holds from our parents and grandparents. Every part of the Neem tree be it the bark, seed, root, fruit, leaf, twig, or flower is beneficial to our body in a way or another. Neem is also an essential ingredient in several Ayurvedic medicines that treat various issues ranging from fever infection, skin disease, hail problems, inflammation, and dental disorders.

Neem is stuffed with anti-inflammatory, antioxidant, antibacterial, anticarcinogenic, antiseptic, antimalarial, and anti-viral properties, which makes it a remedy for almost all your health concerns. Many people in India still sprinkle Neem leaves near the bed of a flu-infected person or hang a bunch of them over their doors to ensure that the air that crosses the Neem leaves is filtered of disease-causing germs, bacteria, and virus.

Neem leaves are loaded with many health and skin benefits. They can be consumed in the form of a paste, in a tea, or you can chew a few freshly plucked leaves from the tree. The taste of Neem leaves is both bitter and pungent. But, consuming Neem in any form can enhance the activity of free radical scavenging, remove toxins from our blood, and balance neuromuscular disorders.

Here is a list of benefits that you can get by using Neem every day-

Arthritis: The curative properties of Neem naturally cures arthritis, reduce pain and swelling in the joints. A person who has or severe joint pain should take a Neem oil message. Neem oil works magically in relieving muscle aches and joint pains and helps ease rheumatism, osteoarthritis and lower back pain.

Goodbye dandruff, hello healthy hair: Neem has anti-bacterial properties that help to treat dry scalp, dandruff, and hair fall issues. Take a bunch of neem leaves and boil them till the water turns green. Allow the water to cool and use it to rinse your hair after shampooing your hair. Neem water helps in strengthening hair quality and promoting hair growth. It also provides the required nourishment and conditioning to the roots, making them stronger and shinier.

Eye Problems: If you want to get rid of any irritation, tiredness, or redness, then you should consider washing your eyes with Neem water. To prepare this solution, boil some Neem leaves in water for 10 minutes, and allow it to cool. Then strain the liquid and use it directly.

Anti-fungal and anti-bacterial: Neem leaves have anti-fungal and anti-bacterial properties. They are used to treat warts, dark sports, infections, and chicken pox. Either the person is made to bathe in Neem water, or Neem paste is applied on the affected area for the treatment.

Ear ailments: Neem leaves soothe inflammation by soothing itching and irritation. Prepare a paste from Neem leaves and honey and apply it to treat any ear boils.

Insecticide: Tired of those tiny insects that keep on bugging you all night long? Here's a solution to it! Keep Neem-soaked cotton near your windows or burn Neem leaves to keep these tiny creatures away from your home. It is handy and is used to fight mosquito menace.

Beauty benefits: If you have pimples on your face, apply the Neem leaf decoction. The leaves moisturize the skin keeping it soft and supple. They are highly effective for lightening scars and pigmentation caused by acne and scabies. It can also be used as a toner for the skin. Just dip a cotton ball in boiled Neem water and wipe your face with it and leave it overnight. This will clear scars, acne, pigmentation, and blackheads.

Apart from all the fantastic benefits mentioned above, Neem also increases your immunity, thereby making you strong from within. Despite using all these natural remedies, diseases can knock your door anytime. Hence, it is advisable to cover you and your family's health with a comprehensive health insurance policy. A health insurance policy safeguards you and your family against the risk of a sudden hospitalization and all the related expenses.​

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Benefits of Neem Leaves on your Health – Health Insurance Blog By Reliance General Insurance

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Neem plant holds an important position in the Indian culture. Neem leaves are loaded with health and skin benefits as they are stuffed with health immunity properties. For overall health security, always have a health insurance in place.

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Hiring a tour guide? Know the Benefits with Reliance General Insurance

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Hiring a tour guide? Know the Benefits with Reliance General Insurance

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Tired of exploring new places on your own? Hire a tour guide & enjoy the many benefits! Learn how to choose the right guide with Reliance & maximize your travel experience.

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​Having a tourist guide on your vacation abroad augments your experience. Or we can say that your holiday is incomplete without a guide around you. A tour guide helps you explore the unexplored streets, corners, food joints, and architectural structures, cultural and historical information. They also help you see the best version of the country you are visiting. There are several benefits of having a guide onboard while travelling abroad. While having a group tour or a group tour service, you might dislike a specific aspect of the service. However, if you choose a personal tour guide, you can have a personalized plan that suits your plans.

Here are a few reasons why you should hire a private tour guide while travelling abroad-
Personalized Tour Design -
Larger tours with dozens of tourists cover a broader list of destinations and topics, some which might not be of your interest. This can, at times, feel like a total waste of time. Private tour guides design sights and destinations with you and your interests in mind. This means you will only visit what you prefer and nothing else.
Flexibility -
When you are travelling with a group, you don't have the flexibility to take spots and explore the more exciting places. You have to go with the plan that is finalized by the group's guide. In private guided tours, the schedule and timing are more flexible.
Saving Time -
With limited time it becomes difficult to explore the best spots and experience the best things around. When you are travelling a large group, you tend to waste a lot of time as you are supposed to go with the entire group. Not only private guide is a well-informed local who makes informed decisions, but they even ask you questions to design tours with you in mind.
Communication -
When you visit a new country, it becomes challenging to communicate if the language is totally unknown to you. Therefore, having a private tour guide who speaks the language can be a great help.
Cultural Insight and Protection -
Every destination that you visit had its own distinct cultural traditions. For example- in Singapore, the residents shake hands bow a little when they meet you. That's their way to meet and greet you. If you don't do the same, they might find it rude. Apart from cultural expectations, you also need to be in line with the laws and rules of the state you are visiting. It is a good idea to have a tourist guide with you as they can offer added insights to save you from embarrassments or worse.

No matter how safe or guided you are abroad, it is always a good idea to ensure your trip. A travel insurance policy covers your trip against several unforeseen circumstances like lost passport, lost checked-in baggage, missed connecting flights, etc. It is effortless to buy a policy only. No paperwork, no medical check-up, only a few details about you and your trip! Buy travel insurance policy now and stay worry-free on your trip abroad. Happy Travelling!

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Should you Hire a Tour Guide When Travelling Abroad? - Travel Insurance Blog By Reliance General Insurance

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It requires proper planning to successfully plan a foreign trip. However, you can make your trip planning easy if you consider hiring a tour guide in abroad. Reliance shares benefits of hiring a tour guide. Always have a travel insurance in place

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Which Wheel Type is Best for Your Vehicle? Alloy vs. Spoke Wheels

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Which Wheel Type is Best for Your Vehicle? Alloy vs. Spoke Wheels

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Not sure which wheel type is best for your vehicle? Get the pros and cons of alloy vs. spoke wheels to make an informed decision. Learn which type is better for your vehicle.

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The bikers in India have been more inclined towards alloy wheels lately, which also are called 'Mag Wheels'. The reason behind more inclination towards alloy wheels is that we got to try our hands on them after a very long time after their introduction. Earlier the sports bikes were imported to India and people from a rich society could afford these most sought-after two-wheelers. But this is not the case anymore, many entry-level bikes also have alloy wheels. But before you buy one, it is important to understand the difference between alloy and spoke wheels.

Difference Between Alloy Wheels and Spoke Wheels

Alloy wheels

Alloy wheels are light in weight since these are produced from light metal alloys, especially magnesium or aluminum. The process of production of alloy wheels is known as a casting, which includes pouring hot molten alloy into the wheel cast and letting it cool down. Once the alloy has cooled down, the wheel is extracted from the mold. The wheel is made durable and strong using another process known as Forging. This method includes pressing solid metal using a hydraulic pressing machine at an extremely high temperature to transform it into a compressed circular piece of metal. This compressed round metal piece is sent to the CNC machine to remove the extra metal from the piece. Then only an alloy wheel emerged as a stronger wheel that can be used in commuter bikes.

Benefits of Alloy wheels

Since alloy wheels are produced from lightweight metal, the bikes are generally lighter than that of spoke wheel bikes. The lightweight causes a great impact when it comes to cut-throat competition in racing bikes. Moreover, they also improve the fuel efficiency of bikes. Also, alloy wheels are more stable than spoke wheels in terms of higher speeds.

Spoke Wheels

The spoke wheels consist of spokes and steel rim. The spokes are made up of steel and metal, which are attached to the hub where the disc brake or brake drum is located. The other end of the spoke is fixed with nipples on the steel rim. The entire spoke wheel structure is strong as well as flexible for the rubber tire.

Benefits of Spoke Wheels.

Since the wheel on the bike is the first thing that comes in contact with the road, and its rubber first absorbs the shock on the road coming your way. That is when the flexibility of spoken wheels comes into role. First of all the rubber of the tire absorbs the shock and then the real shock absorber does its job. That is the reason most off-road motorbikes are equipped with these types of wheels. Hence, if you are residing in a location where the roads are in bad condition, you should go with spoke wheel motorcycles.

Now that you have come across the difference and advantages of alloy as well as spoke wheels, you can find the perfect fit yourself, depending upon interests and area conditions. No matter which bike you go for, make sure you buy bike insurance to keep it safe.​

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Difference Between Alloy Wheels and Spoke Wheels in Bikes - Two Wheeler Insurance Blog By Reliance General

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Confused about which type of wheel your next bike should have? This blog explains which is better between alloy wheels and spoke wheels to help you make a decision. Also, Reliance General Insurance helps you stay safe with its two wheeler insurance policy

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Essential Travel Checklist: Abroad Trip Planning | Reliance General Insurance

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Essential Travel Checklist: Abroad Trip Planning | Reliance General Insurance

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Planning a trip abroad? Don't forget the essentials! Use Reliance's essential travel checklist to make sure you're prepared for your next international trip.

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​​​People spend a fortune when they go on a foreign tour. Generally, foreign tours are never cheap. The number of things you need to be prepared actually cost a lot. When you spend a good amount of money on a foreign tour, you expect everything to turn out well. However, there are many unpleasant situations that could ruin your journey if you are not well prepared. ​

Here is a list of 7 things which you need in order to make your foreign tour safe and memorable. Follow these tips and be safe both financially and mentally -

Don't forget to buy travel insurance. Check all the inclusions covered by your travel insuranc​e international policy. Choose a policy based on the number of members travelling along with you and the destination you are travelling to. The best travel insurance international policy is the comprehensive one as it covers you right from the time you leave your home till you are back.

​

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7 Things to Get Done Before an International Travel - Travel Insurance Blog by Reliance General Insurance

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Going on a life changing foreign tour? To be financially and mentally sound before you board that place, Reliance General lists down the 7 things you need to do before leaving - one of them being - carry your travel insurance.

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Natural Ways to Improve Blood Circulation | Reliance General Insurance

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Natural Ways to Improve Blood Circulation | Reliance General Insurance

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Learn how to improve your blood circulation in natural ways. From dietary changes to lifestyle habits, we discuss the steps you can take to get circulation back on track. Get tips from Reliance General Insurance.

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How to Improve Blood Circulation in your Body Naturally? – Health Insurance Blog By Reliance General Insurance

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Blood circulation is the constant movement of blood throughout the body. Blood carries essential nutrients and oxygen to all organs and cells. Reliance General lists tips to naturally improve blood circulation and advices to have a health insurance place

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Explore the Fastest Cars in the World with Reliance General Insurance

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Explore the Fastest Cars in the World with Reliance General Insurance

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Discover the world's speediest cars and learn about their speed, performance, and features. Find out which cars are the fastest and what makes them stand out from the rest.

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5 Fastest Cars In The World – Car Insurance Blog By Reliance General Insurance

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Car enthusiasts often loves to know about the cars that can run with the highest speeds. Reliance General lists names, features, etc. of some of the fastest cars in the world. Always carry your car insurance while driving

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Get Shopkeepers Package Insurance Policy | Reliance General Insurance

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Get Shopkeepers Package Insurance Policy | Reliance General Insurance

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Shopkeepers Package Insurance Policy - Get the best shopkeepers insurance policy to cover your business from any legal liability. Protect your business with Reliance shopkeepers insurance policy.

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​​​

​​Features of R​​eliance Shopkeeper's Policy :​

Provides ​protection to small & medium sized shop owner's property:

1. ​​​Co​vera​ge avail​able against fire & allied perils like explosion, riots, flood, earthquake etc. for insured property i.e. shop building & its contents.​

2. Protection of insured property against loss or damage due to housebreaking & burglary.

3. Coverage available against electrical & mechanical breakdown of insured electrical, mechanical and electronic equipment.

Coverage available for shop owner's money:
The money collected in the conduct of business while in transit from shop premises to bank & vice-versa lost due to robbery, theft. It also provides coverage to shop owner's money kept in safe & till.​​

Additional coverages​:
It provides cov​erage against risks associated with shop owner's employees like accidental injury or death under Personal Accident section. One may also cover the Infidelity / dishonesty of employees and Legal Liability towards third party within the premises.

Customised cover:
Shop owners can select coverage under various sections of Reliance Shopkeeper's Insurance Policy as per their requirement, affordability & choice.

Affordable Premium:
Reliance Shopkeeper's Insurance policy provides comprehensive coverage at affordable premium. We provide additional discounts if a wider coverage is opted under the policy.

Easy Documentation for Issuance of Reliance Shopkeeper's Insurance Policy:
For covering the various sections, only a single proposal form is required. Further, no hassle of providing proof of ownership is required at the inception.​​​​

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shop insurance plans
shopkeeper insurance
shop insurance covers
shop insurance policy
shopkeeper insurance policy

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​​​ Provides ​protection to small & medium sized shop owner's property: ​​​Co​vera​ge avail​able against fire & allied perils like explosion, riots, flood, earthquake etc. for insured property i.e. shop building & its contents.​ Protection of insured property against loss or damage due to housebreaking & burglary.

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Get Erection All Risk Insurance | Reliance General Insurance

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Get Erection All Risk Insurance | Reliance General Insurance

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Erection All Risk Insurance Policy: Get coverage for your business against any financial loss that may occur during the erection of new machinery or plant.

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Top three reasons to choose us-

Details about the coverages you should know

Extensive & Customized Coverage

Reliance Erection All Risks/Storage-cum-Erection insurance offers material damage and third-party liability cover with cross liability. Additional Custom duty, offsite storage etc. as a part of the insurance to offer a wider coverage.

This policy can also be designed to suit as per the requirement of an engineering project. In addition to key coverages like material damage and third-party liability, add-ons like design defect and removal of debris, offsite storage at fabricator premises, additional custom duty etc. can also be included.

Complete Coverage

Reliance Erection All Risks/Storage-cum-Erection insurance provide coverage for all the stages of an under-erection project that involves storage, testing, maintenance or commissioning. Extended maintenance period could also be offered for 12 to 24 months period.

Affordable Premium

Compare to coverage Reliance Erection All Risks/Storage-cum-Erection insurance offer affordable premium with option to pay premiums in installments if policy tenure is more than 12 months.

What does the policy cover?

Material Damage Coverage

Reliance Erection All Risks/Storage-cum-Erection insurance offers protection for machinery, plant, equipment, civil work and other material work at the project site

Reliance Erection All Risks/Storage-cum-Erection insurance covers perils like fire, lightning, burglary, explosion, and natural disasters such earthquake & floods etc.

Reliance Erection All Risks/Storage-cum-Erection insurance is an all risk policy that covers all perils other than which is specifically excluded in policy exclusion & conditions.

Reliance Erection All Risks/Storage-cum-Erection insurance along with material damage coverage offers additional add on coverage like additional custom duty, express freight, wages & other related expenses, escalation etc.

Third Party Coverage

Reliance Erection All Risks/Storage-cum-Erection insurance covers liability arising due to fatal & or non-fatal bodily injury to any third party person other than Insured's own employees, or employees of other firms connected with any other erection work, or members of the Insured's family, directly consequent upon or solely due to the erection of any insured property

Reliance Erection All Risks/Storage-cum-Erection insurance covers liability arising due to damage of third party property or property held in trust or under custody of the insured.

Reliance Erection All Risks/Storage-cum-Erection insurance offers extension of cross liability under this coverage wherein a claim by co-insured could also be defended

Add on cover offered with the policy-

Reliance Erection All Risks/Storage-cum-Erection insurance provides a wide range of add on covers like design defect cover, escalation clause, removal of debris, extended maintenance etc.

Free clause like 72 Hours, Co- Insurance, Wavier of contribution, 50:50 Clause (Subject to project marine policy issued by RGIC), and public authority clause etc. are covered to provide a comprehensive coverage

Reliance Erection All Risks/Storage-cum-Erection insurance covers contractors plant and machinery equipment up to sum insured of Rs. 25 lakhs or 5 percent of total sum insured whichever is lower

Here's a list of other add-on covers offered with the policy-

Owners Surrounding Property (With or Without FLEXA Coverage)

50/50 Clause

72 Hrs. Clause

Automatic Reinstatement Clause

Loss Minimization Expenses

Debris Removal

Professional fees

Cover for offsite storage/fabrication premises

Third Party Liability (With or Without Cross Liability)

Waiver of contribution clause

Waiver of Subrogation Clause

Escalation costs

Expediting cost including Air Freight and Express Freight

Maintenance Cover (Extended or Limited)

Design Defect Cover

Additional Custom Duty

Cover for Valuable Documents

Disclaimer: - For complete list of add on coverage details please refer policy wording of Erection All Risk Policy ​

What does the policy not cover?

The Reliance Erection All Risks/Storage-cum-Erection Policy does not cover the following:

Loss or damage due to faulty design, defective material or casting and bad workmanship

Cost of rectification or correction of any error during erection not resulting in physical loss

Damage to files, drawings, accounts and bills

Scratching of painted or polished surface, breakage of glasses, aesthetic defects

War and nuclear perils, and consequential losses

Willful act/ negligence, loss discovered at the time of taking inventory, And normal wear and tear

Penalties for non-fulfillment of contractual obligations, operational deficiencies

Costs of any alterations, additions and / or improvements after a claim

Third party liability, contractual liabilities, and accidents caused by road, water and air borne vehicles

Terrorism Damage Coverage

Disclaimer:- For complete list of exclusion & coverage details please refer policy wording of Erection All Risk Policy​ ​

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buy erection all risk insurance policy online

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Reliance Erection All Risk Insurance Policy provides coverage against erection or installation of machinery, plant and equipment ranging from erection of single machine to a large manufacturing unit.

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Get Contractors All Risk Policy | Reliance General Insurance

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Get Contractors All Risk Policy | Reliance General Insurance

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Looking for a Contractors All Risk Insurance Policy? Reliance General Insurance offers comprehensive protection for your business. Visit Reliance website today for more information.

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​​​​​​​​​​Civil construction project associated with variety of risk which can take a heavy toll on finances and halt projects. Reliance Contractors All Risks Insurance policy provides coverage against physical loss or damage to construction material, insured property, plant, machinery & temporary structure like road, office, shed etc., at project site till the completion of project as well as it provided coverage to third party liability arising due to work conducted at project site. This policy covers civil project like Building Construction, Road, Dam, Bridges on Land or Rivers or Creeks, Flyover, Tank Construction etc.

Top three reasons to choose us-

Details about the coverages you should know​​

​

Extensive & Customized Coverage

This policy provide protection to Insured against loss or damage under civil construction project due to sudden & accidental event. It also provides coverage to construction materials, plant, machinery & tool purchase for project purpose & stored at project location. Coverage can be customized according to the requirement of the insured for example Contractor's plant, machinery & equipment use at project location for construction purpose can covered under this policy. "Extended Maintenance" coverage is available under this policy for coverage of risk during maintenance period.

Complete Coverage

Coverage start from first date of arrival of construction materials at project site till completion of project. This policy provides comprehensive coverage to insured. This policy also provides third party liability coverage arise due to third property damage or fatal/non-fatal injury to third party person (other than insured employee or worker on site)

Affordable Premium

Compare to coverage Reliance contractors all risk insurance policy offers affordable premium with option to pay premiums in installments if policy tenure is more than 12 months.​

​

What does the policy cover?​

Material Damage Coverage

Protection against construction materials, machinery, plant, equipment used in construction, civil and other material work at the project site

Covers perils like fire, lightning, burglary, explosion, and natural disasters such as earthquake, floods, etc. This is all risk policy which covers all perils other than which is specifically excluded under policy's exclusions & conditions.

Along with material damage coverage offers additional add on coverage like additional custom duty, express freight, wages & other related expenses, escalation etc.

Third Party Coverage

Covers liability arising due to fatal & or non-fatal bodily injury to any third party person other than Insured's own employees, or employees of other firms connected with any other construction work, or members of the Insured's family, directly consequent upon or solely due to the construction of any insured property.

Covers liability arising due to damage of third party property or property held in trust or under custody of the insured.

Offers extension of cross liability under this coverage wherein a claim by co-insured could also be defended

Wider Add On Coverages-

Reliance contractors all risk insurance provide wider range of add on coverage like design defect cover, escalation clause, removal of debris, extended maintenance etc.

Free clause like 72 Hours, Co- Insurance, Wavier of contribution, 50:50 Clause (Subject to project marine policy issued by RGIC), and public authority clause etc. are covered to provide a completed coverage.

Reliance contractors all risk insurance cover contractors' plant and machinery equipment up to sum insured of Rs. 25 lakhs or 5 per cent of total sum insured whichever is lower.

Other add on coverages

Owners Surrounding Property (With or Without FLEXA Coverage)

50/50 Clause

72 Hrs. Clause

Automatic Reinstatement Clause

Loss Minimization Expenses

Debris Removal

Professional fees

Cover for offsite storage/fabrication premises

Third Party Liability (With or Without Cross Liability)

Waiver of contribution clause

Waiver of Subrogation Clause

Escalation costs

Expediting cost including Air Freight and Express Freight

Maintenance Cover (Extended or Limited)

Design Defect Cover

Additional Custom Duty

Cover for Valuable Documents

Disclaimer: - For complete list of add on coverage details please refer policy wording of ​Contractor​'s All Risk Policy ​

What does the policy not cover?

Loss or damage due to faulty design, defective material or casting and bad workmanship

Cost of rectification or correction of any error during construction not resulting in physical loss

Cessation of work whether total or partial

Damage to files, drawings, accounts and bills

War and nuclear perils, and consequential losses

Willful act/ negligence, loss discovered at the time of taking inventory, And normal wear and tear

Penalties for non-fulfillment of contractual obligations, operational deficiencies

Costs of any alterations, additions and / or improvements after a claim

Third party liability, contractual liabilities, and accidents caused by road, water and air borne vehicles

Terrorism Damage Coverage (Cover as a add on cover)

​Note: Along with the above, any excess mentioned in the construction all risk insurance policy needs to be paid by the policyholder itself

​ Disclaimer:- For complete list of exclusion & coverage details please refer policy wording of ​Contractor​'s All Risk Policy

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buy contractors all risk insurance policy online

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buy contractors all risk insurance policy

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​​​​​​​​​​Civil construction project associated with variety of risk which can take a heavy toll on finances and halt projects. Reliance Contractors All Risks Insurance policy provides coverage against physical loss or damage to construction material, insured property, plant, machinery & temporary structure like road, office, shed etc., at project site till the completion of project as well as it provided coverage to third party liability arising due to work conducted at project site.

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Get Directors And Officers Liability Insurance | Reliance General Insurance

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Get Directors And Officers Liability Insurance | Reliance General Insurance

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Reliance General's Director's and Officer's Liability Insurance protects you and your organization from risks arising out of wrongful or negligent acts by directors and officers.

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Directors and Officers Liability Insurance protects past, present and future Directors and Officers/Key Managerial Personnel (KMP) of profit or non-profit companies from damages resulting from alleged or actual unintentional wrongful acts they may have committed in their managerial capacity. ​

Director's and Officer's Liability Insurance Policy provides protection of claims brought against directors, officers, employees​​ in the event of any actual or alleged unintentional error, mistatement, omission, misleading statement, or breach of duty.​​

Who are eligible for this policy?

This policy c​an be considered by-​​

Why buy Directors and Officer's Liability Insurance?

Claims from employee​s, clients and stakeholders may be made against any company and/or against the Directors and Officers/KMP of a Company. Since a Director or Officer can sometimes be held responsible for acts of the Company, most Directors and Officers will want to be covered rather than risk their personal assets.​

What d​o​​es this policy cover​?

Directors and Offi​cers Liability Insurance provides indemnity to Directors and Officers for:

legal​ and defense costs, and

damages and expenses incurred,

Arising from claims brought against them, due to wrongful acts in their capacity as Director or Officer/KMP of a company.

Which incidents can lead to litigation on your Directors and Officers?

Including but not limited to Incident listed below may lead to possible litigation against Directors and Officers.

Irregularities in securities issues

Breach of duty to minority shareholders

Management integrity issues

Employment irregularities/harassment

Auditing and Accounting practices

Mergers & Acquisitions

Corporate Governance requirements

Compliance with various legal statute

Listing of stock or debt on a stock exchange ​

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Directors and Officers Liability Insurance - Protect Yourself against Unintentional Managerial Errors with Reliance General

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Directors and Officers Liability Insurance protects past, present and future Directors and Officers/Key Managerial Personnel (KMP) of profit or non-profit companies from damages resulting from alleged or actual unintentional wrongful acts they may have committed in their managerial capacity.

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Get Contractors Plant and Machinery Insurance | Reliance General Insurance

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Get Contractors Plant and Machinery Insurance | Reliance General Insurance

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Looking for a Contractors Plant and Machinery Insurance Policy? Reliance General Insurance offers comprehensive protection for your plant and machinery. Get a quote now!

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​​​​​​​Plants and Machinery like, fork lift trucks, compressors, bulldozers, drilling machines, etc, account for a major part of a contractor's investment. There are various risks associated with damage to these vital plant & machinery's due to all the toughest work on any project site is done by these plants & machineries. Get Reliance Contractor's Plant and Machinery Insurance Pol​​icy to protect your business from any probable loss of damage or repair and replacement costs of plant & machinery.​

Advantage of Reliance Contractor's Plant & Machinery Insurance Policy

At any type of construction project, contractor is highly depended on the plant & machinery for work. Damage or physical loss to these plant & machinery can lead to huge loss since these plant & machinery required high amount of investment.

Insurance of these plant & machinery keep the contractor's relaxed as his/her plant & machinery is protecting against the damage or physical loss. Following are the some of the advantages of "Reliance Contractor's Plant & Machinery Insurance Policy"​​

​​​​ Advantage of Reliance Contractor's Plant & Machinery Insurance Policy ​ ​

​Cover loss or damage to Insured plant & machinery or construction equipment because of an accident arising due to external perils like Fire, Accidental Damage, Riot, Burglary etc.​

​Plant & Machinery / Equipment are at work, being dismantled for overhauling or cleaning purposes, or are at rest covered​

​Selection of Equipment or Plant & Machinery are allowed​

​Covers current replacement value of Insured equipment or Plant & machinery

​Wh​at does this policy cover?

This Policy is design for covering physical loss or damage to various insured plant & machinery used at project site.

This policy provides cover for the: -Insured plant and machinery for any physical damage by any cause (unless specifically excluded)

Complete cover on partial or total damage to equipment or machinery

Insurance will be offered on current replacement value

Policy can be bought only after successful commissioning of the machinery

​Cover for all insured items, whether at work, rest, or being dismantled for cleaning and overhauling​

Add on cover offered with the policy-

Owners surrounding policy

Clearance and removal of debris

Additional customs duty

Express freight

Air freight

Dismantling and shifting to a new location

Escalation of cost

Earthquake

Third Party Liability

Terrorism

What does the policy not cover?

The excess as stated in the schedule

Loss or damage due to electrical or mechanical breakdown/failure

Pre-existing faults & damages

Loss of or damage to replaceable parts such as bits, drills, knives or other cutting edges, saw blades, dies, moulds etc.

Loss or damage due to explosion of any boiler or pressure vessel subject to internal steam or fluid pressure or of any internal combustion engine

Loss/damage to insured plant and machinery due to:

War and nuclear perils

Willful act/negligence of the insured

Contractual liability, manufacturers guarantee

Consequential loss or liability of any kind or description

Damage due to terrorism risk

Damage for which the supplier or manufacturer is responsible​

​Any kind of Transit Risk

Disclaimer: For complete list of add on coverage details and exclusion please refer policy wording of Reliance Contractor's Plant & Machinery Insurance Policy.

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Contractors Plant And Machinery Insurance Policy - Coverage for equipment and Plants by Reliance General Insurance

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Reliance Contractors Plant and Machinery Insurance Policy will provide complete cover on partial or total damage to equipment or machinery. This policy will protect your business from any probable loss of your investment or repair and replacement costs

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Get Marine Insurance Policy Online | Reliance General Insurance

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Get Marine Insurance Policy Online | Reliance General Insurance

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Reliance General's Marine Cargo Insurance Policy offers comprehensive protection for your consignments during transit. It covers loss or damage to your goods due to any external cause. Get a quote now!

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​​​​​Marine Cargo Business is not constrained by borders, and goods are shipped around the world. The transit from its " Origin " to " Destination " , is exposed to various risks. The domestic movement or importing and exporting of goods can expose you (Seller/Consignor) or (Buyer/Consignee) to massive financial losses in case shipments gets damage in transit or lost. It is crucial to protect these goods from the various possible mishaps, enabling you to run you trade/business smoothly.​

Special feature tailor-made for you:

​​Different typ​​es of shipments covered in cargo insurance:-​​

​​ Dom​e​stic Shipment​

​​ Import

​​​ Exp​ort

​Transportation of cargo between two places or states within the country​​

​Importation of goods through Land, Sea or Air and payment done via foreign currency only

​Exportation of any goods from India by Land, Sea or Air and payment received via foreign currency only Coverages provided under these policies ranges from a restricted form of cover, e.g. Fire and Lightning perils only, to the widest available form of cover, namely, All Risks, at the option​ of the insured, depends on the type of cover plan you opt for yourself.​

​​​

Types of marine cargo insurance policies are:​​

​

Specific Policy: Covers the single specific shipment only during the policy period.

Open Policy: The agreement between a proposer and an insurer to insure all goods in transit falling within that agreement for a period of time or even indefinitely until the agreement is cancelled by either party. Full premium is collected in advance and adjusted on annual declared value of annual shipments.

Open Cover: is an agreement between the Proposer and the Insurer, the Proposer agrees to buy cargo insurance for all their cargoes whenever they have an obligation to insure and the insurer agrees to provide cargo protection for the Proposer. Premium is charged as declarations of shipments are made.​

What peril does the policy cover?

Based on the type of cover selected, it covers "All Risk" to "Fire only" risk or named perils:-

​Risk​​

​​​​​​​Institute Cargo Clauses ​ ​

​Loss ​or Damage arising out of following
(​​Proximate Cause)

​A​​
(All Risk Cover)​

​B
(Wider Cover)​​

​C
(Basic Cover)​

​Malicious Damage

​✔

​✘
(Can be bought ​back)​

​✘
(Can be bought ​back)​​

​Seawater entering Ship, Craft, Hold, Conveyance Container Lift Van or Place of Storage

​✔

​✔

​✘​​

​War Risks / SRCC

✘
(Can be bought ​back)​​

​✘
(Can be bought ​back)​

✘
​​(Can be bought ​back)​​​

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​​​​​Marine Cargo Business is not constrained by borders, and goods are shipped around the world. The transit from its " Origin " to " Destination " , is exposed to various risks. The domestic movement or importing and exporting of goods can expose you (Seller/Consignor) or (Buyer/Consignee) to massive financial losses in case shipments gets damage in transit or lost.

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Get Employee Compensation Insurance Policy | Reliance General Insurance

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Get Employee Compensation Insurance Policy | Reliance General Insurance

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Reliance General's Employee Compensation Insurance Policy offers protection to SMEs against financial loss arising out of death or disablement of employees while on duty. Get a quote now!

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Buy Employee Compensation Insurance Policy Online | Reliance General Insurance

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Reliance Employee Compensation policy provides compensation for its employees, or their family in the event of fatal accidents. Optional covers for medical, hospital expenses are also covered.

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Get Professional Indemnity Insurance For Doctors | Reliance General Insurance

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Get Professional Indemnity Insurance For Doctors | Reliance General Insurance

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Reliance General Professional Indemnity Insurance protects you from the financial implications of any legal action taken against you for negligence, error, or omission in the performance of your professional duties.

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​​​​​​​As a professional it is your duty to take care of your client. If some day you fail to exercise your duty and neglect promises made, then you are liable for the losses incurred by the clients.

Professional indemnity insurance acts as a kind of safety net protecting you and your business from the financial claims made by your dissatisfied customers. Our policy will cover all the legal expenses to defend your status in case negligence claim is made against you.

There are cases where you may not be at fault and still the clients blame you for negligence on your part, professional indemnity insurance will still protect you from the heavy legal charges. If you purchase professional indemnity insurance, it will​ protect you from such severe actions by covering claim made against you.

How to opt for sum assured value?

​

Sum assured is referred to the limit of Indemnity. This limit is fixed per accident and per policy period which is called Any One Accident (AOA) limit and Any One Year (AOY) limit respectively.

The ratio of limit can be chosen as the below mentioned details-

1:1 (Per event limit should be between INR 1 lakh to 50 lakhs)

1:2 (Per event limit should be between INR 1 lakh to 25 lakhs)

1:3 (Per event limit should be between INR 1 lakh to 16.5 lakhs)

1:4 (Per event limit should be between INR 1 lakh to 12.5 lakhs)

Note - ​ Above mentioned calculation is only for illustration purposes. The cost may vary based on your AOA/AOY limit.

What does the policy cover?

​

Provides indemnity against claims arising out of bodily injury / death or legal suits of any patient caused by or alleged to have been caused by error, omission or negligence in professional service for Doctors and Medical Practitioners Liability for another act. A doctor is responsible for not only his own negligence but also for the negligence of his employees, if such an act occurs under his direct supervision, by the principle of Respondent Superior. The Insured includes the Policy Holder and his Qualified Assistants or employees named in the Proposal. The Act must be committed during the period of insurance commencing from the Retroactive Date.

What does the policy not cover?​

* Acts committed under Influence of intoxicants / narcotics

* Weight reduction treatments

* Noncompliance with statutory provisions

* Cosmetic plastic surgery, hair transplants, punch grafts, flap rotations etc.

Click here to read the policy wordings for more details.

*T&C apply. For more details on risk factors,​ ​terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. The details mentioned above are for Professional Indemnity Insurance.​UIN- IRDAN103RP0023V01200102

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professional indemnity insurance for doctors

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Professional Indemnity Insurance For Doctors

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​​​​​​​As a professional it is your duty to take care of your client. If some day you fail to exercise your duty and neglect promises made, then you are liable for the losses incurred by the clients. Professional indemnity insurance acts as a kind of safety net protecting you and your business from the financial claims made by your dissatisfied customers.

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Renew Your Expired Two-Wheeler Insurance Now with Reliance General Insurance

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Renew Your Expired Two-Wheeler Insurance Now with Reliance General Insurance

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Looking for an expired two-wheeler insurance policy? Reliance General offers a wide range of two-wheeler insurance policies that are designed to meet your specific needs.

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​​​​​Forgotten to renew your Bike insurance? Now renew even your expired bike insurance policy online with Reliance Two Wheeler Package policy without the hassles of any inspection or paperwork. Now you can get an expired two wheeler insurance quote online just by filling your bike registration number!​

​​You can now opt for the Long Term Two Wheeler Insurance Policy​ and ride worry-free for up to 3 years.

​

Reasons why you should opt for the Long Term Two Wheeler Insurance policy:

No Inspection or Paperwork

Large network of garages

A seamless claim settlement process for bike insurance

Instant online policy issuance

Now Your Two-Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!​​

If you continue to be a safe and good driver, you're definitely eligible for discounts.

How? Well, if you drive safely, you'll make no claim through out the year. As a result, you earn yourself a No-Claim Bonus! This bonus can also be transferred over to your new vehicle depending on your preference.

The discount can be accumulated on a yearly basis as mentioned below.

Voluntary Deductible - a minimum amount that you choose to pay of the claim amount, while we pay the rest. The higher your Voluntary Deductible amount, the lower is your premium. Thus, eventually discounting the premium.

​Please refer to the below table for applicable​ Voluntary Deductible: -

​

Covering your two wheeler for basic insurance is a must, but if you truly want to benefit from your two wheeler insurance policy, you should definitely consider some of these add-on covers​​​​

Nil Depreciation Cover

With this add-on, you can easily get rid of the 'depreciation factor' of your vehicle parts. When you make a claim, a major deduction could be charged based on the age and depreciated value of the vehicle or the parts that require replacement

Availing of this extra cover with your two wheeler insurance will widen the scope of your cover, provide you extra security and minimise your own expenses on the vehicle considerably. What do you need to do? Just pay a little extra two wheeler insurance premium to benefit later!

As always, there are a few important things to keep in mind :

We offer the add on coverage on rubber, nylon and plastic parts and fiber-glass components with your bike insurance

We cover vehicles with a maximum age of 2 years

We offer a maximum of 2 claims per policy period

We can add this extra element to your two wheeler insurance policy when you get a brand new vehicle or when you renew your two wheeler policy

We cover only two-wheelers under this add on cover

We will settle a claim made only for the insured vehicle and only if it is repaired by / at one of our authorised dealers or workshops

We will not grant indemnity to total loss, constructive total loss or theft claims under this add on cover

Finally, there are two major exclusions that the add-on doesn't cover :

Parts not approved under the Motor Insurance​ Policy

Tyres and tubes​​

We Don't Hide. Here's What We Don't Cover

​W e've tried to cover you for most of the situations. However, there are still some exclusions.

They are:

Normal wear-and-tear of the vehicle

Mechanical and electrical breakdown

Vehicle being used other than in accordance with the limitations as to use. For example, if you use your two-wheeler for remuneration purposes.

Damage to / by person driving without a valid driving license

Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance

Loss or damage due to depreciation of the vehicle's value

Consequential loss - if the original damage causes subsequent damage / loss, only t​he original damage will be covered.

Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.​

W​e've tried our best to offer you a two wheeler insurance policy with comprehensive coverage insuring not only your vehicle but even the owner and any third party involved in a liability concerning the vehicle.

The policy covers damage or loss to the vehicle due to:

Accident​

Fire​

Lightening

Self-Ignition

Explosion

Theft

Riot & Strikes and / or Malicious Acts

Terrorism

Earthquake

Flood

Cyclone

Inundation

Transit by Rail, Road, Air & Elevator

Apart from this, we recommend that you opt for a Third-Party Liability Cover for your bike, motorcycle or scooter because it is now compulsory to be taken as per the Motor Vehicles Act. It covers third-party property damage and provides liability for the third-party in case of injury or death. In other words, this motor insurance cover offers you protection if the other party is uninsured or underinsured.

Another add on cover with your two wheeler insurance policy is the Personal Accident Bundle Cover. As part of the Optional Personal Accident cover, we provide you a cover against accidents anywhere in the world regardless of who is driving the car. Under this cover, you are insured against Accidental Death and Permanent Total Disablement. The details are as follows:

​ ​ ​

​

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Two Wheeler Insurance Expired? Renew Expired Two Wheeler Insurance with Reliance General Insurance

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​​​​​Forgotten to renew your Bike insurance? Now renew even your expired bike insurance policy online with Reliance Two Wheeler Package policy without the hassles of any inspection or paperwork. Now you can get an expired two wheeler insurance quote online just by filling your bike registration number!​ ​​You can now opt for the Long Term Two Wheeler Insurance Policy​ and ride worry-free for up to 3 years.

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Buy Two-Wheeler Insurance by Brand and Model | Reliance General Insurance

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Buy Two-Wheeler Insurance by Brand and Model | Reliance General Insurance

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Looking for Two Wheeler Insurance by Brand and Model? Reliance General Insurance offers insurance for all leading bike brands such as Hero, Honda, Bajaj, TVS, Royal Enfield, etc.

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​​​​​​​​​The two-wheeler is the best companion for traveling in bumper to bumper traffic. Be it a bike or a scooter, the convenience offered by both is unparalleled. Along with a helmet, a two wheeler insurance​ is an absolute essential for your and pillion rider's safety. Also, you are legally obliged to insure your two-wheeler along with a third party liability cover. Thus, secure yourself today while you ride on the road worry-free.

​Features of Reliance Two-wheeler insurance:

Cashless Repairs: Experience great convenience by getting your bike or scooter repaired at any of our 750+network garage, cashless!

Competitive Premium: Insurance for your two-wheeler starting at just Rs.3 / day*

Hassle-free Claims: Get your claim settled speedily with minimum paperwork

Add-on Covers:

Nil Depreciation: With this add-on, secure your two-wheeler against a reduction in the value of parts with age. You will get the parts replaced without any pinch to your wallet.

Personal Accident Covers: This cover offers protection against an accident, anywhere across the globe, regardless of who is driving. With this, you are insured against Accidental Death and Permanent Total Disablement. For more detailsbike insurance

​

​Two Wheeler Brands And Model

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motorcycle insurance based on manufacturer

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Two Wheeler Insurance by Manufacturer and Model - Reliance General Insurance

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​​​​​​​​​The two-wheeler is the best companion for traveling in bumper to bumper traffic. Be it a bike or a scooter, the convenience offered by both is unparalleled. Along with a helmet, a two wheeler insurance​ is an absolute essential for your and pillion rider's safety.

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Reliance General Insurance - Calculate Your Two-Wheeler Insurance Premium Now

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Reliance General Insurance - Calculate Your Two-Wheeler Insurance Premium Now

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Looking to calculate your two wheeler insurance premium? Reliance General's two wheeler insurance calculator is the quickest and easiest way to calculate your premium.

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two wheeler insurance premium calculator

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Calculate Your Bike Insurance Online | Reliance General Insurance

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Are you looking to calculate your bike insurance premium? Look no further than Reliance General Insurance! In just a few clicks, you can get an estimate of what your premium will be.

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Buy Two-Wheeler Insurance Renewal Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Two-Wheeler Insurance Renewal Online | Reliance General Insurance | Get Affordable Coverage Now

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Two Wheeler Insurance Renewal: Get your two wheeler insurance policy renewed online with Reliance General and be covered against damages, third party liability and more.

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid)

Hassle-free

Claim settlement​​

Want to renew your bike insurance policy? Your search ends here! Insure your bike with Reliance Two Wheeler Insurance policy that offers instant renewal with zero paperwork.

Take a free quick quote using just your registered mobile number and ride worry-free with us.

You are insured with a Personal Accident cover of Rs. 15 lacs.

​*Terms and conditions apply. Not applicable on TVS models. The discount is applicable only on OD two wheeler insurance premium

​

Wh​at do we cover?

We've tried our best to offer you a two wheeler insurance policy with comprehensive coverage insuring not only your vehicle but even the owner and any third party involved in a liability concerning the vehicle.

The policy covers damage or loss to the vehicle due to:

Accident

Fire

Lightening

Self-Ignition

Explosion

Theft

Riot & Strikes and / or Malicious Acts

Terrorism

Earthquake

Flood

Cyclone

Inundation

Transit by Rail, Road, Air & Elevator

Apart from this, we recommend that you opt for a Third-Party Liability Cover for your bike, motorcycle or scooter because it is now compulsory to be taken as per the Motor Vehicles Act. It covers third-party property damage and provides liability for the third-party in case of injury or death. In other words, this motor insurance cover offers you protection if the other party is uninsured or underinsured.

​

What we don't cover?

We've tried to cover you for most of the situations. However, there are still some exclusions.

They are:

Normal wear-and-tear of the vehicle

Mechanical and electrical breakdown

Vehicle being used other than in accordance with the limitations as to use. For example, if you use your two-wheeler for remuneration purposes.

Damage to / by person driving without a valid driving license

Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance

Loss or damage due to depreciation of the vehicle's value

Consequential loss - if the original damage causes subsequent damage / loss, only t​he original damage will be covered.

Compulsory deductibles - a fixed amount that gets deducted at the time of the claim.

​

Two Wheeler Insurance FAQ

Two Wheeler Insurance Reviews and Ratings

Covering your vehicle for basic insurance is a must, but if you truly want to benefit from your insurance policy, you should definitely consider some of these add-on covers

Nil Depreciation Cover

With this add-on, you can easily get rid of the 'depreciation factor' of your vehicle parts. When you make a claim, a major deduction could be charged based on the age and depreciated value of the vehicle or the parts that require replacement

Availing of this extra cover will widen the scope of your cover, provide you extra security and minimise your own expenses on the vehicle considerably. What do you need to do? Just pay a little extra premium to benefit later!

As always, there are a few important things to keep in mind :

We offer coverage on rubber, nylon and plastic parts and fiber-glass components

We cover vehicles with a maximum age of 2 years

We offer a maximum of 2 claims per policy period

We can add this extra element to your policy when you get a brand new vehicle or when you renew your policy

We cover only two-wheelers under this add on cover

We will settle a claim made only for the insured vehicle and only if it is repaired by / at one of our authorised dealers or workshops

We will not grant indemnity to total loss, constructive total loss or theft claims under this add on cover

Finally, there are two major exclusions that the add-on doesn't cover :

Parts not approved under the Motor Insurance Policy

Tyres and tubes

Know more..

Covering your vehicle for basic insurance is a must, but if you truly want to benefit from your insurance policy, you should definitely consider some of these add-on covers

Nil Depreciation Cover

With this add-on, you can easily get rid of the 'depreciation factor' of your vehicle parts. When you make a claim, a major deduction could be charged based on the age and depreciated value of the vehicle or the parts that require replacement

Availing of this extra cover will widen the scope of your cover, provide you extra security and minimise your own expenses on the vehicle considerably. What do you need to do? Just pay a little extra premium to benefit later!

As always, there are a few important things to keep in mind :

We offer coverage on rubber, nylon and plastic parts and fiber-glass components

We cover vehicles with a maximum age of 2 years

We offer a maximum of 2 claims per policy period

We can add this extra element to your policy when you get a brand new vehicle or when you renew your policy

We cover only two-wheelers under this add on cover

We will settle a claim made only for the insured vehicle and only if it is repaired by / at one of our authorised dealers or workshops

We will not grant indemnity to total loss, constructive total loss or theft claims under this add on cover

Finally, there are two major exclusions that the add-on doesn't cover :

Parts not approved under the Motor Insurance Policy

Tyres and tubes

Know more..

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Renew Bike Insurance Online | Reliance General Insurance

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid) Hassle-free Claim settlement​​ Want to renew your bike insurance policy? Your search ends here! Insure your bike with Reliance Two Wheeler Insurance policy that offers instant renewal with zero paperwork.

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Buy Own Damage Two-Wheeler Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Own Damage Two-Wheeler Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General Insurance offers own damage two wheeler insurance policy. This policy provides protection to your two wheeler against any physical damage caused by external means.

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At Reliance General Insurance, we want to make sure our two wheeler insurance holders can secure the best possible protection for themselves. So choose wisely and secure your two wheeler with our assortment of add-on covers for bike insurance.​​​

With a zero depreciation bike insurance ​ add-on, secure your two wheeler against a reduction in the value of parts with age. You will get the parts replaced without any pinch to your wallet. ​​​​

This add-on cover is applicable to the following conditions-

This add-on covers two wheelers​, with a maximum of two claims in one vehicle insurance policy period

In case of partial loss, we will settle a claim made for the insured two wheeler only if it is repaired by/ at one of our authorised dealers or workshops

Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable if you have opted for it

​Nil Depreciation UIN​: IRDAN103RP0002V01201920/A0022V01201920​​

We can't deny the fact that accidents happen! In this condition, we have to leave our vehicles in the garages and travel by our own. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs. This add-on cover is applicable to the following conditions-

Triggered if >3days vehicle under repairs due to perils/OD

Option to choose days & amount

Allowance Limit Rs.5000/- per day

Lumpsum theft benefit, if vehicle is not recovered <=90 days

2 claims applicable

Daily Allowance Benefit UIN: IRDAN103RP0002V01201920/A0021V01201920​

EMI Protection

We are concerned about financial impact of an accident. We cover up to 3 EMI's of your insured vehicle if it is in the insurer's authorized network garage for more than 30 days for repairs. This add-on cover is applicable to the following conditions-

Vehicle is in repair, vehicle loan EMIs will gets paid

Payment directly made to financial institution

Up to maximum 3 EMI shall be payable

Triggers if repair time > 30 days

Applicable only for partial claims

EMI Protection UIN: IRDAN103RP0002V01201920/A0025V01201920​

Helmet Cover

This add on cover will make an allowance towards cost of replacing damaged or destroyed helmet of same type and model due to accident involving the insured vehicle. This cover is valid for Annual Two Wheeler policy and can be bought as an add-on cover at the time of purchase. This add-on cover is applicable to the following conditions-

Premium starting @Rs.100/-

Pay only 10% of Helmet cost (Sum Insured)

Sum Insured limit up to Rs.50,000/- per helmet

More than 1 helmet can be covered in a single year

Reimbursement of the helmet will be the same type and model

Please note that the policy-​

​Shall be available only for maxim​​​um one accident during the policy period

Shall not be available for Theft claims​

Deductibles is 5% of Sum Insured opted by the insured

shall not be available for damage caused by deterioration,wear and tear

Helmet Cover UIN: IRDAN103RP0002V01201920/A0019V01201920​

Now Your Two Wheeler Insurance Premium Will Be More Than Affordable with Our Special Discounts!​​

If you continue to be a safe and good driver, you're definitely eligible for discounts. How? Well, if you drive safely, you'll make no claim through out the year. As a result, you earn yourself a No-Claim Bonus! This bonus can also be transferred over to your new vehicle depending on your preference.

The discount can be accumulated on a yearly basis as mentioned below.​

Voluntary D​eductible

A minimum amount that you choose to pay of the claim amount, while we pay the rest. The higher your Voluntary Deductible amount, the lower is your bike insurance premium. Thus, eventually discounting the two wheeler insurance premium. Please refer to the below table for appilcable Voluntary Deductible:-

​Rs 500

5% on the OD premium of the vehicle, subject to a maximum of Rs 50/-

​Rs 750

10% on the OD premium of the vehicle, subject to a maximum of Rs 75/-

Rs 1000

15% on the OD premium of the vehicle, subject to a maximum of Rs 125/-

Rs 1500

​20% on the OD premium of the vehicle, subject to a maximum of Rs 200/-

*T&C apply. Policy will be issued / renewed only if TP policy is in force. ​ ​Details mentioned here are for the product- Reliance Two Wheeler​ Policy- Stand-​alone Own Damage​ (UIN​- IRDAN103RP0002V01201920​).
​

​

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Buy Own Damage Bike Insurance | Reliance General Insurance

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At Reliance General Insurance, we want to make sure our two wheeler insurance holders can secure the best possible protection for themselves. So choose wisely and secure your two wheeler with our assortment of add-on covers for bike insurance.​​​ With a zero depreciation bike insurance ​ add-on, secure your two wheeler against a reduction in the value of parts with age.

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Buy Long-Term Two-Wheeler Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Long-Term Two-Wheeler Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General Insurance offers long-term two-wheeler insurance policies that provide comprehensive coverage for your vehicle. Choose from a variety of plans and customize your policy to fit your needs.

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​

​​​​​

​​​​​​​Let's be honest, at some point you've forgotten to renew your bike insurance before the expiry date or narrowly missed it. At Reliance General Insurance, we've realized that our customers have got a lot on their plate to keep a track of the exact renewal dates. Hence we have come up with a Long Term Two Wheeler Insurance for 3 years so that you can do away with the hassle of yearly bike insurance renewals. Now enjoy seamless protection for three years with the Reliance Long Term Two Wheeler Insurance plan by paying a one-time premium. ​

What is a Long Term Two Wheeler Insurance?

​

​ *Tenure premium discount for 2 years and 3 years is 7.5% and 13% respectively. Details provided are for the product- Long Term Two-Wheeler Package Policy​.

​Benefits of Long Term Two Wheeler Insurance

​Skip the hassle of yearly renewal

Comprehensive insurance policies for all major two wheeler brands

Additional Benefits on No Claim Bonus

Avoid untoward losses as a result of breaks in policy renewal

Avail attractive discounts on long term two wheeler insurance premium

​​​​

​Long Term Two Whe​eler Insurance Vs Regular Two Wheeler Insurance.​​

​ Bike Insurance for one year

Bike Insurance fo​r multi-year

Needs to be renewed each year before the expiry date

Bid adieu to the hassle of yearly renewal

Increases risk of driving with expired insurance

Avoid untoward losses that may arise from an expired insurance policy

Discounts are generally minimal

Save more by availing attractive discounts on the long term bike insurance premium

No Additional Benefits on No-Claim B​onus

Additional benefits on No-Claim Bonus​

​

​What Does Your Long Term Two Wheeler Insurance Cover?

Our Long Term Two Wheeler insurance policy covers your own, as well as third party damages caused due to: -​​

​

Fire

Flood

Frost

Theft

Tempest

Typhoon​

Earthquake

Explosion

Accident

Cyclone

Landslide

Terrorism

Inundation​

Lightening

Rockslide

Hailstorm

Hurricane

Self-Ignition

Riot & Strikes
and/or Malicious Acts

Transit by Rail,
Road, Air & Elevator

​

​Here's What Your Long Term Two Wheeler Insurance Doesn't Cover

As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover under long term bike insurance policy: -​

Normal wear-and-tear of the vehicle

Mechanical and electrical breakdown

A vehicle being used other than in accordance with the limitations as to use. For example, if you use your two ​wheeler for commercial purposes

Damage to/by person driving without a valid driving license

Loss or damage caused while riding under the influence of alcohol or any other intoxicating substance

Loss or damage due to depreciation of the vehicle's value

Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered

Compulsory deductibles - a fixed amount that gets deducted at the time of the bike or scooter insurance claim

Damage to Tyres & Tubes unless the vehicle insured is damaged at the same time in which case the liability of the Company shall be limited to 50% of the cost of replacement

Loss or damage to the accessories by burglary housebreaking or theft unless the vehicle is stolen at the same time

​ ​​​​

Nil Depreciation Cover

No-Inspection

for Expired Policy

​

​Reliance Two Wheeler Insurance aims to ca​ter to all your bike insurance needs. We offer several benefits which will make your bike secure and your rides worry-free.

​

​

​

No hassle

of yearly renewals

Lock-in the same

TP rates for 2 Years​

Reliance Two Wheeler Insurance aims to cater to all your bike insurance needs. We offer several benefits which will make your bike secure and your rides worry-free.​
*​Tenure premium discount for 2 years is 7.5%.

​

No hassle

of yearly renewals

Lock-in the same

TP rates for 3 Years​​

​​

​

​

Reliance Two Wheeler Insurance aims to cater to all your bike insurance needs. We offer several benefits which will make your bike secure and your rides worry-free. *Tenure premium discount for 3 years is 13%.​

​​

Know more..

Nil Depreciation Cover

Know more..

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Buy Long-Term Two Wheeler Insurance | Reliance General Insurance

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​ ​​​​​ ​​​​​​​Let's be honest, at some point you've forgotten to renew your bike insurance before the expiry date or narrowly missed it. At Reliance General Insurance, we've realized that our customers have got a lot on their plate to keep a track of the exact renewal dates.

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Buy Third-Party Two-Wheeler Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Third-Party Two-Wheeler Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General Insurance is one of the leading motor insurance companies in India. It offers a wide range of motor insurance products including third party two wheeler insurance.

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​​

​​​​​Although we all would love to have an empty road to drive on, it's pretty impossible. Which is why we all need to be conscious of our own safety and other people's safety while driving. Worst case scenario, if you do run into someone, it's best to be insured by a Third Party Liability Cover, which is now compulsory as per the Motor Vehicles Act.

It covers third-party property damage and provides liability cover to the insured in case of injury or death to the third party. Simply put, this cover offers you protection if the other party is uninsured or underinsured.

Sounds good? Get a Quick Quote now or call us on +91 22 48903009​ (Paid Number) to know more.

What are the Benefits of Third Party Bike Insurance?

Key Features

Benefits by Reliance General

Property Damages to Third Party

Upto 1 Lakh

Personal Accident Cover

Available

Add Ons

Not Available

Buying Process

Online via Smartphone in 5 minutes

Personal Damages to Third Party

As per MVA 1988

​​

What Does the Third Party Insurance Policy Cover?​

Deat​​h or bodily injury to a third party

Damage to third-party property to an extent of Rs. 1Lac

Damage to a Third party vehicle because of the insured vehicle​​​

​

What Does the Third Party Bike Insurance Policy Not Cover?

A third party policy does not protect you from the cost of any damage to your own vehicle or belongings in the event of an accident.

Damages will not be covered incase of drunk driving or driving without a license.

A comprehensive plan is recommend instead of just the Third Party Liability Cover.​

​

What are the advantages of a Third Party Two Wheeler insurance Policy?

​

It protects you from unexpected expenses arising due to an accident which causes damage to another person.

It provides coverage for your accidental death or permanent disability.

It provides covers at affordable premium rates to keep yourself secured.

It does not require much effort to purchase the policy. The policy can be bought online with minimum documentations.​

​​T&C apply. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium. Details mentioned here are for the product- "A" Policy for Act Liability Insurance (Two Wheeler). UIN- IRDAN103RP0003V01200102

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third party insurance for two wheeler insurance

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Buy Third Party Two Wheeler Bike Insurance Online | Reliance General Insurance

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​​ ​​​​​Although we all would love to have an empty road to drive on, it's pretty impossible. Which is why we all need to be conscious of our own safety and other people's safety while driving.

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Buy Two-Wheeler Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Two-Wheeler Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Looking for two wheeler insurance? Reliance General Insurance offers best two wheeler insurance plans in India. Get a quick bike insurance quote now!

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Two-Wheeler Insurance - Buy/Renew Bike Insurance Online Upto 80% Discount*

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Buy Bike Insurance online from Reliance General Insurance & get access to ✓8500+ cashless garages ✓upto 15 lacs* coverage ✓98.6% claim settlement ratio ✓easy video claims** & various add-ons. Get Two Wheeler Insurance quote now!

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Renew Your Expired Car Insurance Now with Reliance General Insurance

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Renew Your Expired Car Insurance Now with Reliance General Insurance

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Expired Car Insurance - Get information on car insurance expired. Compare and buy the best car insurance policy for your expired car insurance.

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Expired Car Insurance: Renew Expired Car Insurance Policy Online - Reliance General Insurance

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Car Insurance Expired? Reliance ensures your vehicle stays protected with our car insurance policy. Renew your expired car insurance policy now with a few simple steps and protect yourself against unwanted mishaps. Online car insurance renewal is so easy!

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Buy Car Insurance by Brand and Model | Reliance General Insurance

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Buy Car Insurance by Brand and Model | Reliance General Insurance

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Reliance General Insurance provides Car Insurance by Brand and Model. It offers a wide range of features and benefits to choose from. You can get a quote and purchase your policy online.

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Everyone dreams of buying their own car someday. And when that happens, it's a dream come true. Along with loads of happiness, a car brings in responsibilities such as maintenance, servicing, PUC and the most important one - Insurance. Car insurance is essential because it is a fail-safe against any untoward incident. Besides, it is mandatory by law to have your car insured. So you see, it is an absolute must to safeguard your car against any possible harm with a car insurance policy.

Types of Car Insurance:

There are two types of insurance covers available, dependent on its nature:

Private Four-wheeler Insurance: An insurance cover for a car used for private purposes.

Commercial Vehicle Insurance: An insurance cover for a vehicle used commercially such as trucks and heavy utility vehicles.

​Car Brands And Models:

​

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Insurance for Car Models and Manufacturers - Reliance General Insurance

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Everyone dreams of buying their own car someday. And when that happens, it's a dream come true. Along with loads of happiness, a car brings in responsibilities such as maintenance, servicing, PUC and the most important one - Insurance. Car insurance is essential because it is a fail-safe against any untoward incident.

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Buy Taxi Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Taxi Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Looking for Taxi Insurance? Reliance General Insurance offers best motor insurance plans for taxis. Get a quick quote now and insure your taxi against any damage.

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​Here are a few reasons​ how our taxi insurance helps you save your time and money-

In the present era, when you transact online, date online, stream videos online, why are you still buying insurance offline? Unlike traditional insurance policies, Reliance Taxi Insurance policy does things differently, which makes a significant difference for you!​

We have coverage for variety of situations

Online policy issuance without any paperwork

Our claim settlement process is simple and hassle-free

We reward you for safe driving

We offer end-to end online taxi insurance ​policy renewal​

​​
Important car insurance terms you should know-

Information is the key to make the right decisions. To ensure that you make an informed purchase, we have explained the essential car insurance concepts right here-​

What is IDV?

The IDV (Insured Declared Value) is the current market value of the car which is calculated after deducting the depreciation amount. It is a crucial component of the car insurance policy as it determines the amount of compensation. In case of theft or total destruction of the car, the IDV is offered as "Sum Insured".

What is No Claim Bonus?

When you don't file a claim during your policy period, you will be eligible for a discount on your next premiumwhich is referred to as a No-Claim Bonus. This discount wil​l keep increasing progressively for each claim-free year until the car insurance premium is reduced up to 50%.​​

​

​

Not sure if you need car insurance? Numbers Don't Lie!

The poor road conditions and a blatant disregard for traffic regulations make Indian roads one of the most dangerous in the world.​

What does taxi insurance​ policy cover?

When you buy a taxi insurance policy, it is important for you to have the facts so you can make an informed decision. Having a knowledge of your coverage will help you avoid unanticipated expenses and provide you with maximum peace of mind. Have a look at the coverage offered with this policy-​​

a. ​Loss or damage to your vehicle due to:​

Terrorist activity

Landslide ro​ckslide

Accident (external means)

Fire explosion, self-ignition or lightning​

Burglary, housebreaking, theft

​Flood, typhoon, hurricane, storm, tempest

​

​​​b. Third-party​ insurance, which protect​s you against losses that occur due to bodily injury or death to a third party or any damage to that person's property by use of your insured vehicle.

What does​ taxi insurance​​​​​ policy not cover? ​

As much as we would like to cover all possible risks, certain situations are just not possible. We like to maintain absolute transparency with our customers. So here's what we don't cover in this taxi insurance policy-​​

Loss or dam​age due to war or nuclear risks

Deductible as stated in your policy

Loss or damage due to ionizing radiation

Vehicle driven by someone other than the driver, as stated in the 'Driver's Clause'.

Accidental loss, damage or liability occurring outside the defined geographical area for the vehicle

Vehicles being used other than in accordance with the limitations as to use. For example, if you use a private vehicle for commercial purposes.

Consequential loss - if the original damage causes subsequent damage / loss, only the original damage will be covered.

​​

​

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Buy Taxi Insurance | Reliance General Insurance

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In the present era, when you transact online, date online, stream videos online, why are you still buying insurance offline?

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Buy Bus Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Bus Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Looking for a comprehensive and affordable bus insurance policy? Reliance General Insurance has you covered. Get a quote today.

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Types Of School Bus Insurance Policy

​The types of buses covered under bus insurance policy are school buses, private buses (owned by private organizations for its employees)

As a bus owner, you must get a comprehensive plan with vital add-on covers to have your peace of mind by being financially secured from the cost of repairs in case of damages.

Reasons to B​uy a Bus Insurance Coverage​

It is mandated by the law that every vehicle owner must possess a valid third-party insurance. This liability only policy is to pay for any potential third-party damages. In absence of this, you will have to pay a fine when caught by the traffic police.

Experts suggest getting comprehensive bus insurance to provide a financial shield to your vehicle as well. In case of a natural calamity like a flood, tsunami, or landslide, or any man-made disaster like a riot, theft, or vandalism, your vehicle can suffer damage beyond repair and you might have to spend a huge amount of money to buy another one. The insurance policy, however, can easily cover you against such unforeseen losses.

In addition to covering the losses and damages to your vehicle or third-party vehicle, the bus insurance or school bus insurance also protects the owner driver in case of any bodily injuries.

​Documents required to buy bus insurance or school bus insurance: Proof of identity (any one - driving license, Aadhar card, PAN card, Government issued photo ID); Proof of address (any one - driving license, bank or post office passbook, Government issued address proof); Driving License; Registration certificate of the vehicle and recent passport size photograph. School or organization Agreement copy.

What are the Inclusions Offered Under Bus Insurance

Accidents: When your vehicle collides with another, all the damages caused to your bus will be taken care of.

Theft: Vehicles get stolen every day and yes, even buses are not safe. So, if your bus gets stolen and is not recovered by police or private investigators of the insurer, you will get the IDV (Insured Declared Value) of the bus.IDV is the value of the bus calculated after the rate of depreciation i.e. the current market value of the vehicle.

Fire or any malicious act: Sometimes, buses can catch fire due to an accident or they can be set on fire by people if caught amid a riot. So, any damage caused during a riot, strike, or any malicious activity, you would be reimbursed for the money spent on repairs.

Natural Disasters: Natural disasters ranging from earthquake, landslide, cyclone, hailstorm to typhoon and hurricane, can destroy your prized possession. But don't worry, as the insurance will pay for it.

Personal Accident and third-party losses: The policy will cover for injuries or death of the owner-driver of the bus. Similarly, it will also cover for losses incurred by any third-party vehicle, property or person due to a collision with your bus.

What are the Exclusions Offered Under Bus Insurance

It's pertinent to read the terms and conditions of the insurance to know when and why you will not be covered. Here are some of the cases:

You will get no coverage if you are found driving under the influence of alcohol or drugs. Drunken driving is not only a punishable offence, but it will also be a reason why the insurer will not pay you a penny for any damages.

If the insurance company suspects a foul play, your claim request might get rejected. If your narration of the event does not match the damages to the bus, the insurer might do some investigation to find out the truth and if it turns out to be a fraudulent claim, you might even lose your insurance plan altogether, and not only the claim amount.

If you don't have the proper documents like a driver's license or RC and you are held accountable for any damages in case of an accident, the insurer reserves the right to reject the claim.

If you get your bus upgraded without intimating the insurer, your claim may get rejected as your insurance policy covers only those bus parts that are specified in the plan. Likewise, any damage which is clearly caused by your negligence or as a result of a deliberate act, then you would have to pay for it from your pocket.

There is a specified time frame within which you must initiate the claim process as once the deadline is over, the insurer can disapprove the claim.

Forgetting to renew your policy is another mistake you can make to deny yourself any claim.

How to Calculate Bus Insurance Premium

It's vital to be a well-aware policyholder. So, you must know how your insurance premium is calculated and what factors guide it as today the customer is spoilt for choices. The same insurer can line up quite a few interesting insurance plans and give you a happy headache. By calculating the premium in advance, you make an informed choice and even alter the variables to keep premium under your budget.

There are several websites that have insurance premium calculator facilities where you can calculate your bus premium. You have to enter details like the make and model of the bus, fuel type, the city of registration, the age of the bus along with personal details like your name and mobile number. Then simply click the 'Calculate Premium' button to get a quick quote. Now, you can lower the premium if you have No Claim Bonus (NCB) or willing to lower your IDV. Also, more add-on covers you opt for, more premium you will pay.

Steps to Renew Bus Insurance

Bus School insurance policy can be renewed both offline and online. If you want to go for offline renewal, visit the nearest branch of your insurer or contact the agent of your insurance company.

If you want to renew the policy online, just follow the below steps:

Visit the official website of the insurance company

Go to the policy renewal option

Fill the required details such as name, policy number, etc. and click on submit

Make the payment

After you have made the payment, your policy will be renewed and the document will be sent to your registered email ID. You can also download the document from the website and print it.

What is the Process to Claim Bus Insurance

​

If your vehicle is damaged due to a calamity or you meet with an accident and want to claim the cost of damages, inform your insurer immediately and file a claim with the policy details.

Submit duly filled and signed claim form along with driving license of the driver who was driving the bus or school bus at the time of accident, registration certificate of the vehicle, valid fitness certificate, FIR copy in case of third party injury, death or property damage. The original documents to be submitted for verification along with photocopies.

If you want to avail cashless claims, the insurer will get the vehicle repaired in any of its network garages. If the policy holder needs medical treatment, it will be done in the hospital where the insurance company has a tie-up.

In case of reimbursement claim, you have the flexibility to get the vehicle repaired in any garage of your choice. But, you have to pay the repair cost and get it reimbursed later. Make sure to submit the original bill and payment receipt to the insurer for getting the claims processed.

​

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Buy Bus Insurance | Reliance General Insurance

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​The types of buses covered under bus insurance policy are school buses, private buses (owned by private organizations for its employees) As a bus owner, you must get a comprehensive plan with vital add-on covers to have your peace of mind by being financially secured from the cost of repairs in case of damages.

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Buy Commercial Vehicle Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Commercial Vehicle Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General Insurance offers comprehensive motor insurance policies for commercial vehicles. Get commercial vehicle insurance quote now and protect your business on the go!

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Buy Commercial Vehicle Insurance | Reliance General Insurance

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Buy Commercial Vehicle Insurance from Reliance General Insurance. Get it covered with third-party liability, own damage cover, and add-on coverage like zero depreciation.

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Reliance General Insurance - Calculate Your Car Insurance Premium Now

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Reliance General Insurance - Calculate Your Car Insurance Premium Now

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Reliance General Car Insurance Calculator is an online tool that helps you calculate the estimated premium for your car. Just enter your car details and get a quote in minutes.

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What Information Do you Need to Calculate Car Insurance Premium?

As mentioned earlier in the steps that you need to fill details of your car accurately if you want to calculate car insurance premium using a premium calculator. In layman terms, the amount of input you will give to the car insurance calculator, the same output you will get. For instance, if you want to know how much it will cost you to renew your car insurance plan, it will depend on several factors. However, it will be different for both used and new cars. Here are some of the factors that determine how much premium you have to pay for car insurance:

For a Used Car

If you want to calculate the premium of the car insurance that you are willing to buy for your used car, you will need to provide the following information to get the accurate result using car insurance calculator:

Type of fuel

Type of the car

Details of car insurance plan, if any

Registration number

Claim history, if not then information on NCB

For a New Car

If you want to calculate the premium of the car insurance that you are willing to buy for your new car, you will need to provide the following information to get the accurate result using online car insurance calculator:

Manufacturer's name

Car model

City where your new car is registered

Date and year of manufacturing

Details of the car owner like name, age, address, etc with the proof like Aadhar card, driving license, papers of the car, etc.

Why is it important to use Car insurance calculator?

Before you start hunting for a car insurance policy for your beloved car, you should calculate premiums that you might have to pay with the help of a car insurance premium calculator. There are several car insurance providing companies that offer different benefits at different premium rates. It is your responsibility to choose the best car insurance provider that suits your needs and comes at an affordable premium rate. For benefits, you need to do thorough research, whereas to get affordable premium rates, all you need to do is use a vehicle insurance calculator. Let's look in detail how calculating premium rates with the help of car insurance calculator will help you:

It Saves You Money

Money is one of the most important factors when it comes to choosing anything. With the help of the car insurance calculator, you can compare the premium rates of various car insurance providers. This way you can get the car insurance that gives maximum coverage and benefits at affordable premium rates. You can use the money you save on the premium rates and invest it in some other plans like health insurance.

You Can Make An Informed Decision

If you don't calculate premium rates, you have to depend on the insurance agents. These agents will take high commissions and they will not give you options to choose from. However, you can protect yourself from agents like these by doing thorough research.

Ease of Process

You can easily buy car insurance online from the comfort of your home.

Tips to Reduce your Car Insurance Premium

Given below are some of the tips that you can use to reduce your car insurance premium. Make sure you do the following things to get the most affordable premium:

Select Relevant Add On Covers

When you will ask an expert whether you should opt for add-on or not with your comprehensive car insurance plan, the answer will always be yes. This is because add ons widen your coverage which gives you an extra layer of financial protection. However, these add-ons come with a price, and that is high premium rates. This is why it is highly recommended to opt for an add-on that suits your needs and not the one that you don't require. You can select relevant add on covers for car insurance by prioritizing your and your car's needs.

Car Accessories and Modifications

If your car consists of car accessories like Anti-theft devices, you will be able to reduce the premium rates of the car insurance. Anti-theft devices reduce the chances of robbery of the insured vehicle; thus, policyholders might not make the claim. Car insurance providing companies offers discounts on the premium rates to the people whose car is modified in a way that reduces the chance of robbery.

Timely Renewals

You should do everything on time. And you should definitely renew your car insurance on time, if you want to enjoy benefits like NCB, etc. Once the last date of renewing your car insurance plan passes, you won't be eligible for the benefit that might reduce the premium rates.

Always Drive Carefully

This is the most important thing that you should do, as it will not only protect you, but it will also make you eligible for certain benefits. No accidents mean no claim, and no claim means eligible for NCB or No Claim Bonus.

No Claim Bonus or NCB is the discount you will be eligible for at the time of renewal if you don't make any claim under your car insurance plan in the policy term. Under this benefit, you will get a discount on the premium rates. So, make sure that you maintain a good driving record so that you don't have to make any claim. At the time of renewal of the policy, you can get the discount. You can get up to a 50% discount on the premium rates.

Why Should You Buy Reliance Car Insurance?

Car insurance offered by Reliance General Insurance comes with the following features which makes it highly popular among policyholders:

A Wide Network Of Cashless Garages

If you opt for Reliance car insurance, you will get access to several benefits. One of the benefits is the cashless repair at more than 8,​200 network garages all across the country. All you need is some necessary documents to enable cashless repair at network garages.

Personal Accidental Cover

In case of an unfortunate event like an accident, Reliance car insurance will protect the policyholder financially under the personal accident cover.

There are several ways to reduce the Reliance car insurance premium. You can get a discount on the premium by installing car accessories like anti-theft devices which reduce the chances of robbery. You can also opt for AAI membership to get a discount. If you opt for voluntary excess on your claims, you will discount up to Rs. 2,500.

High Claim Settlement Ratio

You don't have to wait for days to get the claims, as Reliance car insurance settles the claim without any hassles.

24x 7 Roadside Assistance

If you buy Reliance car insurance, you will get 24 x 7 roadside assistance which is much required in case of breakdown of the car in the middle of nowhere or in an unfortunate event of an accident.

Tax Savings

Under section 80 D of Income Tax Act, 1961, you will be eligible for tax benefits on the premium paid towards the Reliance car insurance. So, this car insurance plan from Reliance General Insurance also works as a tax saving option.

It also comes out with tax benefits that lead you to tax savings under section 80D of the Income Tax Laws of India.

Customer Support

We offer the best customer service assistance to our clients. Our customer service is probably the best you will see in the Indian insurance market. You can contact the employees of Reliance car insurance at any time and raise your queries.

You can choose to buy a car insurance policy from Reliance General which suits your needs. Reliance offers the following policies -

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Calculate Car Insurance Premiums Online | Reliance General Insurance

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What Information Do you Need to Calculate Car Insurance Premium? As mentioned earlier in the steps that you need to fill details of your car accurately if you want to calculate car insurance premium using a premium calculator. In layman terms, the amount of input you will give to the car insurance calculator, the same output you will get.

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Compare Car Insurance Online - Find the Best Plan from Reliance General Insurance

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Compare Car Insurance Online - Find the Best Plan from Reliance General Insurance

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Reliance General Insurance is one of the leading car insurance companies in India. Compare car insurance quotes from website and buy online.

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid)

​​Thinking of buying a new car? It is no surprise that you have a lot of pondering to do. And it is rightfully so! A car is one of the most prized possessions that you own with immense pride. The hunt for the new car begins with online search and comparison. You try to get as much information as possible about the latest models and their features. Next, you take the advice of every person you come across, right from your colleague to your hairdresser, and compare them all. You leave no stone unturned! But when it comes to car insurance, we are quite oblivious. Comparing car insurance is important too. Wondering why? Read on.​

Why compare car insurance?

If you want to get the best deal on the car insurance policy, it is highly advisable to compare car insurance online. When you do it, you can get the best deal for your car. One of the biggest advantages that you will get is on premium rates. Premium amount varies from insurer to insurer, however, when you compare car insurance plans, you will get the plan which is more suited to you with affordable premium rates. You should not compromise the features for cheap premium rates. Another advantage of comparing insurance policies is that you will get to know about various features that insurance companies are offering. For instance, some offer cashless repair at the network garages, whereas, some offer affordable engine protection cover. You can select the plan according to your needs.

​How to compare car insurance?​

The best way to go about it is browsing online. You can find several tools and aggregators on the internet that offer quick and convenient ways to compare car insurance in India. Before buying the insurance cover, it is always a good idea to get a car insurance quote and compare the insurance premium that would be incurred. There are multiple aspects that need to be analyzed while comparison. Firstly, the premium rates offered by insurance companies need to be understood and compared accordingly. This will give you an idea how insurance providers decide the premium and the factors that come into play while doing so.

Next, it is important to check the type and level of coverage being offered by your car insurance company. This is important since a below-par insurance cover may leave you in trouble in case of an unforeseen incident. In order to avoid this, identify your requirements first and choose the policy that covers all yo​ur needs. Additionally, you should also check out the fine print to get accustomed to the situations and events not covered by the policy.

Another thing to bear in mind while comparing car insurance is that we should avoid falling into the trap of buying the cheapest insurance policy to save premium. This hindsight can cost you a lot more than you what you would save on premium. It is all about striking a right balance between the two by factoring in your requirements and at the same time ensuring that you pay a premium that is affordable.

An important tip to save your money while comparing motor insurance online is comparing the 'deductibles' and add-on covers. These add-ons add value to the car policy that can come in very handy during emergencies. Some of these are Personal Accident cover (both driver and passengers), roadside assistance, and third party liability covers. Another important feature to look out for while comparing car insurance policies is the No Claim Bonus, referred to as 'NCB'. With this, you are eligible to a sizeable discount in your insurance premium during renewal, if you don't register any claims during the policy period. While comparing car insurance online, it is a good idea to compare the NCB offered by companies to zero in on the best insurance cover.​

​

What Are The Different Types of Car Insurance

Now let's look into different types of car insurance. You should compare car insurance online on the basis of its types also. There are basically 3 types of car insurance policy - Third-party, Own Damage, and Comprehensive. Let's look into more detail:

​Third-Party Car Insurance ​

A Third Party Car Insurance offers financial cover to the insured person against any legal liability arising due to loss/damage caused to a third-party person or property. Third-party car insurance is the compulsory plan that all car drivers need to buy if they want to drive on the Indian roads. Under the Motor Vehicle Amendment Act, 2019, it is mandatory to insure your car with at least third-party car insurance. It will not offer you wide coverage, but you can save yourself from the hefty fines.

​Comprehensive Car insurance​​

​A Comprehensive Car Insurance protects the car from any kind of unforeseen damage. It covers the person financially in case of any loss is incurred as a result of an unavoidable instance to the vehicle. It covers the person against theft, financial loss and accidents. The cover can range from, coverage to an insured party vehicle and third-party liability which means that it covers - damage to insured vehicle or theft of the car also coverage of legal liability (liability to others for body or property injury by insured vehicle). When you compare comprehensive car insurance with third-party car insurance, then you will how much better comprehensive plan is. You will be protected as the comprehensive plan will provide you the coverage that will ensure the overall protection of your car and yourself.

Own Damage Car insurance​

When it comes to Own Damage Car Insurance Policy, it is a part of the standard comprehensive motor insurance. Before changes were made in the insurance sector by IRDAI, you could only purchase third party liability insurance separately, but now you can opt for Own Damage cover separately as well, i.e. now you can own a third party and a own damage car insurance separately.

Now, that you are aware of the three types of car insurance, let's look at the table mentioned below where you will find what coverage you get with what type pf car insurance plan.​

​Features Of Different Types Of Car Insurance Plans:

​Features Third Party​Comprehensive​ Own Damage​

Factors to Check While Comparing Car Insurance Policies
​

Premium Rates​

This is one of the most important factors that you should consider while you compare car insurance. You want to choose a plan that will neither put a strain on your pocket nor your savings. So, comparing car insurance plans will surely help you find a plan that you can afford. Also, you should not compromise with the features of the plan. So, choose a plan with several features and affordable premium rates.

Coverage​​

Try to get as wide coverage as you can. One of the easiest ways to widen your coverage is by opting for add-ons. You should look for add-ons like Engine Protector Cover, No Claim Bonus (NCB) retention cover, etc. It varies from insurer to insurer but comparing car insurance will help you choose the add-ons that suit you the best.

Customer Reviews

This is the most important factor that policyholder should consider while comparing car insurance online. You can get to know about the claim settlement ratio of the insurance company with the help of customer reviews. Go through the reviews to get the best deal.

Age Of Your Car

When comparing car insurance online, you should know that your insurance premium is decided on the basis of several factors. One of the factors is the age of your car, so make sure that you chose the insurance company that provides the best premium rates. The Insured Declared Value or IDV of a car changes with age.

List of Network Garages

Comparing car insurance plans will help you get the plan whose network garage is the nearest to your residential area. This is will help you enormously in case of an emergency.

Add-on Covers

Several insurance providers offer several add-ons to enhance your coverage. Comparing car insurance policy will help you get the best add-on that suits your needs. A person who lives in an area where rainfall is common must opt for engine protection cover, whereas, a person who lives in an accidental prone area, should opt for personal accidental cover.

Exclusions and Inclusions

There are certain exclusion and inclusions that you can see in the terms and conditions of the car insurance policy. When you compare car insurance online, you can get through exclusions and inclusions of the various car insurance policy. This will help you chose the policy that suits your requirement.

Claim Settlement Ratio ​

Claim Settlement Ratio is the ratio that determines how efficiently the insurance company settles the claim. One can compare the car insurance plan so there is no hindrance in the claim process.

​

Want to calculate your car insurance car insurance premium? Use Our Car Insurance Calculator​ ​to calculate your premium easily!

Things You Should Remember While Comparing Car Insurance Policies:

​​Third party cover is mandatory

Firstly, you should understand that under the Motor Vehicle Amendment Act, 2019, every car driver in India needs to insure their car with at least third-party car insurance to protect themselves from the hefty fines. So, when you are comparing car insurance from a various insurer, you should look whether they offer third-party car insurance as it is necessary.

Check for Co-Payment and Deductibles

You should look for a Co-payments option. Co-payment in car insurance is the percentage of the claim amount that policyholders have to pay from their own pocket in repairing the damaged vehicle. So, comparing car insurance will surely help you find the plan with the lowest co-payment. You should also look for the deductibles while comparing car insurance. There are two types of deductibles, one is compulsory and the other is voluntary deductible. You can opt for voluntary deductibles to lower the premium rates.

Check Add on Covers and Buy One if Needed

You should also compare the add-ons of car insurance on the basis of your needs. There are several add-ons that one can see when they are planning to buy car insurance. However, you don't need to get all the add-ons as it will increase your premium rates. You should only opt for add-ons that suits your needs. If you live in an area where rainfall is common, you must opt for engine protection cover, whereas, if you are living near a national highway, make sure you opt for personal accidental cover. You can compare car insurance companies that provide your add-ons at an affordable rate.

At last, you should read the terms and conditions of all the policy very carefully. While comparing car insurance plans, make sure you read about all the inclusions and exclusions in the policy terms. This is an important thing that you should do to avoid any hindrance in the claim process.

Has your car insurance expired? Click here to renew expired car insurance ​ easily!

Why Buy Reliance General Car Insurance?

When you will go to the market to compare car insurance policies, you will see several car insurances companies. There are various car insurance providers in India, but Reliance General Insurance is one of the top car insurance providers in the country. Let's look into the features of Reliance General Car Insurance that have made it popular among policy buyers. Here are the Features of Reliance General Car Insurance policy:

Reliance General Insurance offers car insurance plans for both Private Car and Business Vehicles.

We have a feature of a towing facility. This means if your car is stuck in case of an accident or breakdown, you don't have to worry as employees the nearest network garage will tow your car.

We give 24X7 roadside assistance, so one should not worry about getting stuck at the spot of breakdown or accident.

Reliance General Insurance has a high claim settlement ratio (98%). That means the current policyholder of car insurance from Reliance General Insurance gets their claim on time without any hassles.

For both new and existing customers, we offer an optional duplicate key replacement cover.

Our main aim is customer satisfaction. Reliance General Insurance has certainly satisfied its customers with our quality coverage, interesting add-ons, and high claim settlement ratio.

At the time of buying car insurance, one can opt for add-ons like Consumable expenses, Accident Shield, and Conveyance Benefit, and much more. These add-ons will surely widen your car insurance coverage and you will feel more protected.

One of our most attractive features is that we a list of network garages that have spread all across India. We have more than 4600+ network garages that are almost situated in every city of the country. From these network garages, you can get your insured car repaired in case of damage caused due to accident, fire, natural or man-made calamities, etc.

We offer a cashless settlement. This means that you don't need to pay anything at the time of your car's repairing as Reliance General Insurance will directly settle the bill with the network garage. All you need to do is provide some necessary documents.

At the time of renewal, you will be eligible for the discount under No Claim Bonus or NCB. However, this is only applicable when you do not claim the policy tenure. You will get a discount on the premium rate when you will renew your car insurance policy.

​In case of breakdown or accident, Reliance General Insurance assists in the form of booking a hotel or arranging a cab.

​

​FAQs About Car Insurance Comparison

​

How Can You Compare Car Insurance Policy Effectively?

One of the most effective ways to compare car insurance plan is to do it online. Comparing car insurance online comes with several benefits. Firstly, it will help you save some time as you can compare from various insurance providers from the comfort of your home. Secondly, you can easily go through features and premium rates of car insurance. In fact, you can check the premium rate with the help of the online car insurance premium calculator. This way you can choose the best one for your car.

How Does Comparing Car Insurance Help To Save Money On Your Premium Payment?

Comparing car insurance policies is an important step as it will help you save money. You can compare premium rates of various car insurance providers and choose whose features, coverage, and premium rates suit your needs.

Are Add-On Covers Available For Third-Party Liability-Only Policies?​

Add-ons are only available with a comprehensive car insurance policy. So, no, add-on covers are available for third-party liability policies in India. You can opt for a car insurance add-on to enhance your coverage; however, you have to pay more premium.

What Are Car Insurance Quotes/Quotations?

You can check out car insurance quotes from various car insurance providers. These quotes will give you information about the premium rates and features.

What Is NCB?

No Claim Bonus or NCB is a discount that is offered by car insurance companies at the time of renewal. However, you will only be eligible for this discount when you don't file a claim during the policy tenure. You will get a discount on the premium rates. Your premium rates can reduce to 50% if you have made no claim for several years.

What Is IDV?

Insured Declared Value or IDV is the market value of your car which is calculated once depreciation amount is deducted. It is one of the most essential parts of the car insurance policy as it helps in the determination of the compensation amount. In the case of total destruction or theft of your car, the insurance company will pay IDV as a sum insured.

What Are The Benefits Of Comparing Car Insurance Online?

When you compare car insurance online, you will enjoy several benefits. Firstly, it will help you save some time as you can compare car insurance policies from various insurance providers from the comfort of your home. Secondly, you can easily go through features and premium rates of car insurance. You will not only save some time, but you can save some money also (fees for insurance agents). This online comparison will help you enormously in getting the best deal.

S​​hould I Get Add On Covers For The Policy?​

Yes, you can get the add-on cover with your car insurance policy as it will widen your coverage. You should opt for add-on covers as per your needs. If you live in an area where rainfall is common, you must opt for engine protection cover, whereas, if you are living near a national highway, make sure you opt for personal accidental cover. You can opt for add-ons like NCB retention cover, Nil Depreciation Cover, Personal Accident cover, electrical/electronic accessories cover, and much more.

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Compare Car Insurance Online | Reliance General Insurance

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid) ​​Thinking of buying a new car? It is no surprise that you have a lot of pondering to do. And it is rightfully so! A car is one of the most prized possessions that you own with immense pride.

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Buy Own Damage Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Own Damage Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General Insurance offers own damage car insurance policies. The own damage cover protects the policyholder against financial losses that may arise due to damage to their car.

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid)

​

Cover natural
calamities

No claim
bonus b​enefits

Video claim
via app

8,5​​00+ cashless
network garages

​

Own Damage (OD) helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc. In case of an accident, an own damage cover compensates you for expense to repair or replace parts of your car damaged in the accident.​

What are the Benefits of Car Own Damage Insurance?

​

Key Features

Benefits by Reliance General

Cashless Repairs​

9,1​​​00+ Cashless Garages

​​No Claim Bonus

Get upto 50% Discount

Claim Process

Online via Smartphone in 5 minutes

Claim Settlement Ratio

98.6% Claims Settled*

​Add-Ons

Available

Voluntary Deductible

Available

​​Paperwork

Zero, Online Process

​

What Does Car Own Damage Insurance Policy Cover?

This policy covers the cost of damages to your car due to-

Natural calamities like floods, earthq​uake, fire and more

Man-made calamities like vandalism, riots and terror attacks

Damage to your car or the belongings in the car in case of an accident

Theft or malicious acts

It also covers-

Explos​ion

Hailstorm

Terrorism

Frost

Inundation

Self​-Ignition

Lightening

Cyclone

Tempest

Riot & Strikes

Hurricane

Landslide

Rockslide

Typhoon

Transit by Rail, Road, Air & Elevator

​

What does Car Own Damage Insurance Policy not cover?

When opting for an own damage car insurance policy, you must be aware of what benefits you're missing out on. Let's take a look at what this policy does not cover:

Damages to a third party vehicle

Damage caused to a third party property

Injuries caused to other people in an accident

General wear-and-tear of the car

Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose.

Mechanical and electrical breakdown

Damage to/by person driving without a valid driving license

Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance

Loss or damage due to depreciation of the car's value

Loss or damage due to war or nuclear risks

Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered under our car​​ insurance

​​​​

Add-On Covers for Car Own Damage Insurance

At Reliance General Insurance, we want to make sure our car insurance holders can secure the best possible protection for themselves. So choose wisely and secure your car with our assortment of add-on covers for car insurance.​

​Motor Secure Plus Cover

For superior risk coverage, we have compiled a mix of add-on covers in a single package. The Motor Secure Plus Cover includes-​

Nil Depreciation Cover

Consumables Cover

Engine Protector Cover

Note that automobile insurance coverage is available only for the claims intimated within 7 days of the loss or damage.

Motor Secure Premium Cover

The Motor Secure Premium Cover encapsulates all of the crucial risk factors to offer a comprehensive coverage in a single package. The Motor Secure Premium Cover includes-

Nil Depreciation Cover

Engine Protector Cover

Consumables Cover

Key Protect Cover - Private Cars

​​​​​Nil Dep​reciation

Depreciation reduces the value of your cover drastically. This add-on cover compensates for the depreciating value of your car. Opt for this and you will not have to bear the losses occurred due to depreciation on all parts except the tyres and tubes. This add-on cover is applicable to the following conditions-

This add-on covers private cars, with a maximum of two claims in one vehicle insurance policy period

In case of partial loss, we will settle a claim made for the insured car only if it is repaired by/ at one of our authorised dealers or workshops

Compulsory Excess will be applicable as per normal practice and Voluntary Deductible will be applicable if you have opted for it

Nil Depreciatio​n UIN: IRDAN103RP0001V01201920/A0013V01201920

NCB retenti​on cover​​

No claim bonus ( NCB) is a discount, given by an insurer to a policyholder for making no claims during the policy term. NCB can be accumulated over the years and the discount ranges from 20% to 50% on its own damage premium. This is simply a general insurance company's way to reward the customer's good driving behavior.

NCB retention cover is a great way to assure that your safe driving and hard-earned bonus stay protected even if you make a claim. Let's understand it with an example-

Suppose at the end of 12 months of the policy, the insured did not make any own damage claim. In this case, the insurance company provides the insured with an NCB-based discount on their premium. All the same, if the insured was enjoying an NCB bonus of 45 %, and he/she makes a claim that year, the NCB will be impacted and will be reduced to 0% in the coming year. To safeguard such a scenario, an NCB Retention Cover comes handy. This add-on cover protects the NCB discounts in case the insured makes an Own Damage claim.

Below mentioned are the features of the NCB Retention Cover*​ -

Applicable for 1 OD claim

Renewal of policy with RGI <= 90 days of the expiry of the policy

Claim amount should not be >25% of IDV as mentioned in the policy schedule.​

*Subject otherwise to the terms, exceptions, conditions, and limitations of the Policy.​

NCB retention cover UIN: IRDAN103RP0001V01201920/A0008V01201920 ​

​

​​​​
Consuma​bles Cover​

Sometimes, a bunch of seemingly insignificant expenses can create a big dent in your pocket. All expenses incurred on consumable items are covered in case they are damaged due to perils covered our policy. Consumable items such as nuts and bolts, screws, washers, grease, lubricants, clips, AC gas, bearings, distilled water, engine oil, oil filter, fuel filter and break oil are covered. This add-on cover is applicable to the following conditions-

This add-on covers private cars, with a maximum of two claims in one motor policy period.

In case of partial loss, we will settle a claim made for the insured vehicle only if it is repaired at one of our authorised dealers or workshops.

​​​Consuma​bles Cover​ UIN: ​​​​​​IRDAN103RP0001V01201920/A0005V01201920​

Engine Protector Cover

An engine is the heart and soul of your car. The Engine add-on cover offers compensation for expenses incurred while fixing the indirect damage done by water ingression or leakage of lubricating oil leading to loss or damage to-

Engine Parts

Differential Parts

Gear Box Parts

Engine Cover UIN: IRDAN103RP0001V01201920/A0011V01201920

Key Protect Cover

Let's be honest, we have all misplaced or lost our home/vehicle keys at some point in our lives. While we cannot find your keys for you, we can certainly cover the expenses you incur while repairing or replacing your car keys and/or locks and/or lockset. Here are some more details about the Key Protect Cover-

The coverage will be available only for a maximum of two claims during your motor insurance policy period.

A claim resulting from burglary or theft should be supported by a First Information Report (FIR) with the police.

The replaced keys/lock/lockset is of the same nature and kind as the one for which the claim has been made.

The loss or damage to the keys/lock/lockset is reported to us within 7 days of the loss or damage.

Replacement of key(s) will be allowed for broken or damaged keys only.

In case of theft or misplacement of key(s), the entire set comprising of key, lock and lockset will be replaced, subject to the handing over the other key(s) to us.​

Key Protect Cover UIN: IRDAN103RP0001V01201920/A0012V01201920​

Daily Allowance Benefit

We can't deny the fact that accidents happen! In this condition, we have to leave our vehicles in the garages and travel by our own. This add-on cover compensates for your daily travel allowance when your vehicle is in the insurer's authorized network garage for more than 3 days for repairs. This add-on cover is applicable to the following conditions-

Triggered if >3days vehicle under repairs due to perils/OD

Option to choose days & amount

Allowance Limit Rs.5000/- per day (For Pvt car limit can be increased further)

Lumpsum theft benefit, if vehicle is not recovered <=90 days

2 claims applicable

Daily Allowance Benefit UIN: IRDAN103RP0001V01201920/A0010V01201920

EMI Protection

We are concerned about financial impact of an accident. We cover up to 3 EMI's of your insured vehicle if it is in the insurer's authorized network garage for more than 30 days for repairs. This add-on cover is applicable to the following conditions-

Vehicle is in repair, vehicle loan EMIs will gets paid

Payment directly made to financial institution

Up to maximum 3 EMI shall be payable

Triggers if repair time > 30 days

Applicable only for partial claims

EMI Protection ​UIN: IRDAN103RP0001V01201920/A0014V01201920​​​

​Make Your Car Insurance Premium More Affordable with Our Special Discounts

No Claim Bonus

The No Claim Bonus is your rightful reward for being a responsible driver. As our responsible customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis, until the discount reaches a whopping 50%. Here's how it is accumulated on a yearly basis-

​ No. of Years​

​​​ Discount

​One claim-free year

20%

Two consecutive claim-free years

25%

Three consecutive claim-free years

35%

Four consecutive claim-free years

45%

Five consecutive claim-free years

​​50%

​​​

Voluntary Deductible

You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. A Voluntary deductible is a minimum amount that you choose to pay from the claim amount. The higher the Deductible amount, the lower is your auto insurance premium. Please refer to the below table for the applicable Voluntary Deductible-

​​​​ Voluntary Deductible​​

​ ​ Discount​

Rs 2500

20% on the OD premium of the vehicle, subject to a maximum of Rs 750/-

Rs 5000

25% on the OD premium of the vehicle, subject to a maximum of Rs 1500/-

​Rs 7500

30% on the OD premium of the vehicle, subject to a maximum of Rs 2000/-

Rs 15000

35% on the OD premium of the vehicle, subject to a maximum of Rs 2500/-

​

Additio​nal Discounts

Besides the attractive discounts offered by ​ NCB, you can avail additional discounts on auto insurance in case -

You are a member of any recognized automobile association

You have installed an anti-theft device in your car

You have covered the vehicle for specific location usage

​​​

*T&C apply. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. ​For more details on risk factors,​ ​terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. ​​Discount is applicable on Own Damage premium. Discount mentioned or specified are based on Vehicle category, Loyality , Parking & Driving experince.​ ​Policy will be issued / renewed only if TP policy is​ in force. ​​Details mentioned here are for the product- Reliance Private Car Policy- Standalone Own Damage​ (UIN- IRDAN103RP0001V01201920​)

​

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Buy Own Damage Car Insurance | Reliance General Insurance

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid) ​ Cover naturalcalamities No claim bonus b​enefits Video claimvia app 8,5​​00+ cashlessnetwork garages ​ Own Damage (OD) helps you stay covered against damage caused to your vehicle due to accidents like fire, theft, etc.

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Buy Long-Term Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Long-Term Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General Insurance offers long term motor insurance policies that provide comprehensive coverage for your vehicle. Choose from a variety of plans and coverage options to suit your needs.

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Running deadlines, tight schedules, long working hours have made our lives so busy that we often miss out on important things. If that's the case with you, we understand your prob​lem a​nd here's a quick solution for you. Presenting, Long Term Car Insurance Policy that makes the mundane task of renewing your car policy every year simple. This policy allows you to insure your beloved vehicle for up to 3 years without facing the hassle of annual renewals.​

What does this policy cover?

If you suffer damages caused due to any of following reasons, we've got you covered!

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Make your car insurance premium more affordable with our special discounts​

No Claim Bonus

The No Claim Bonus is your rightful reward for being a responsible driver. As our responsible customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis, until the discount reaches a whopping 50%.

Voluntary Deductible

You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. A Voluntary deductible is a minimum amount that you choose to pay from the claim amount. The higher the Deductible amount, the lower is your auto insurance premium. Please refer to the below table for the applicable Voluntary Deductible-

Rs 2500

20% on the OD premium, subject to maximum of Rs 2250/-

Rs 5000

25% on the OD premium, subject to maximum of Rs 4500/-

Rs 7500

30% on the OD premium, subject to maximum of Rs 6000/-

Rs 15000

35% on the OD premium, subject to maximum of Rs 7500/-

​

Additional Discounts

Besides the attractive discounts offered by NCB, you can avail additional discounts on auto insurance in case...

You are a member of any recognized automobile association

You have installed an anti-theft device in your car

You have covered the vehicle for specific location usage

​
What does t​his policy not cover?​

As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover:

General wear-and-tear of the car

Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose.

Mechanical and electrical breakdown

Damage to/by person driving without a valid driving license

Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance

Loss or damage due to depreciation of the car's value

Loss or damage due to war or nuclear risks

Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered under our motor car insurance

Compulsory deductibles - a fixed amount that gets deducted at the time of the claim

​

*T&C apply. ​Discount is applicable on OD premium. Details mentioned here are for the product- Reliance Private Car Package Policy - 3 years​

​​

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Buy Long Term Car Insurance | Reliance General Insurance

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Running deadlines, tight schedules, long working hours have made our lives so busy that we often miss out on important things. If that's the case with you, we understand your prob​lem a​nd here's a quick solution for you. Presenting, Long Term Car Insurance Policy that makes the mundane task of renewing your car policy every year simple.

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Buy Long-Term Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Long-Term Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General Insurance offers long term motor insurance policies that provide comprehensive coverage for your vehicle. Choose from a variety of plans and coverage options to suit your needs.

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Running deadlines, tight schedules, long working hours have made our lives so busy that we often miss out on important things. If that's the case with you, we understand your prob​lem a​nd here's a quick solution for you. Presenting, Long Term Car Insurance Policy that makes the mundane task of renewing your car policy every year simple. This policy allows you to insure your beloved vehicle for up to 3 years without facing the hassle of annual renewals.​

What does this policy cover?

If you suffer damages caused due to any of following reasons, we've got you covered!

​

​

​

​

Make your car insurance premium more affordable with our special discounts​

No Claim Bonus

The No Claim Bonus is your rightful reward for being a responsible driver. As our responsible customer, you can enjoy No Claim Bonus which increases progressively on a yearly basis, until the discount reaches a whopping 50%.

Voluntary Deductible

You can avail discounts on your car insurance premium in case you have opted for a voluntary deductible while buying the policy. A Voluntary deductible is a minimum amount that you choose to pay from the claim amount. The higher the Deductible amount, the lower is your auto insurance premium. Please refer to the below table for the applicable Voluntary Deductible-

Rs 2500

20% on the OD premium, subject to maximum of Rs 2250/-

Rs 5000

25% on the OD premium, subject to maximum of Rs 4500/-

Rs 7500

30% on the OD premium, subject to maximum of Rs 6000/-

Rs 15000

35% on the OD premium, subject to maximum of Rs 7500/-

​

Additional Discounts

Besides the attractive discounts offered by NCB, you can avail additional discounts on auto insurance in case...

You are a member of any recognized automobile association

You have installed an anti-theft device in your car

You have covered the vehicle for specific location usage

​
What does t​his policy not cover?​

As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover:

General wear-and-tear of the car

Cars being used other than in accordance with the limitations as to use. For example, if you use a private car for remuneration purpose.

Mechanical and electrical breakdown

Damage to/by person driving without a valid driving license

Loss or damage caused while driving under the influence of alcohol or any other intoxicating substance

Loss or damage due to depreciation of the car's value

Loss or damage due to war or nuclear risks

Consequential loss - if the original damage causes subsequent damage/loss, only the original damage will be covered under our motor car insurance

Compulsory deductibles - a fixed amount that gets deducted at the time of the claim

​

*T&C apply. ​Discount is applicable on OD premium. Details mentioned here are for the product- Reliance Private Car Package Policy - 3 years​

​​

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Buy Long Term Car Insurance | Reliance General Insurance

# data[].attributes.attachment_link.description
Running deadlines, tight schedules, long working hours have made our lives so busy that we often miss out on important things. If that's the case with you, we understand your prob​lem a​nd here's a quick solution for you. Presenting, Long Term Car Insurance Policy that makes the mundane task of renewing your car policy every year simple.

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Buy Third-Party Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Third-Party Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General's Third Party Car Insurance is the perfect solution for those who are looking for basic protection. It covers damages caused by you to a third party, including bodily injury and property damage.

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​​

A third-party liability insurance is a financial cover for vehicle owners which protects them against legal liabilities arising due to loss or damage caused to a third-party person or property. Per the Indian Motor Vehicles Act,1988, insuring your vehicle with a third-party liability cover is mandatory.

In case of an accident, if your car has caused injuries to another person, you are liable to pay for the person's hospitalisation costs. With third-party liability insurance, your insurer covers such liabilities. Similarly, if a third-party property was damaged due to your vehicle, the costs to repair the damage is covered by your insurer as well.

You can opt for a third-party liability insurance or a comprehensive car insurance policy that offers overall protection against damages to your car. A comprehensive plan is inclusive of third-party liability cover.

Key Features Of Third Party Liability Insurance

Car owners can enjoy the following features with their third party car insurance policy:

Cashless claims

Your insurer typically has tie-ups with several garages. A third-party involved in an accident can get their damaged vehicle repaired at any of the cashless garages. You need not pay for the repairs from your own pocket. Your insurer will settle the bills with the garages directly.

Affordable premiums

Base premium rates for third-party liability insurance are determined by the Insurance Regulatory and Development Authority of India (IRDAI). The rates differ across the engine displacement values. A low engine displacement will have lower premiums and contrariwise.

Hassle-free buying process

You can purchase the third-party car insurance online within five minutes using your smartphone. Additionally, you can buy the policy online through the Reliance General Insurance website.

High coverage for vehicle or property damage

For any damage caused to someone's vehicle or property due to your insured car, third parties can get up to Rs 7.5 lakh in claims per a mandate by the Insurance Regulatory Development Authority of India (IRDAI).

Unlimited liability for personal damage

For third-party liability insurance, the liability for personal damage caused to third-party persons in the form of injuries is unlimited. The insurer covers all medical expenses, regardless of the cost.

Are your hospital bills higher than the coverage you're eligible for? Invest in Health Insurance Plans with Reliance General Insurance so you never have to worry about hospital bills.

How Does Third-Party Car Insurance Work?

To understand how third-party car insurance works, it is imperative to break down the meanings of all the parties involved in the insurance universe, namely:

First party:

The person whose car is insured, i.e., the policyholder or the car owner is considered the first party.

Second party:

The entity that agrees to cover liabilities is the second party - in this case, the insurance company/insurance provider/insurer.

Third party:

The person deemed the beneficiary of insurance coverage due to an incident caused by the first party.

If you find yourself in a car accident, you must inform your insurance provider about the incident at the earliest. If you are deemed responsible for the accident, and the third-party driver also considers you responsible, you can expect the third-party to file a claim against you. The financial liability of the claim will be borne by your insurance provider.

What Are Benefits Of Third-Party Car Insurance?

A third-party car insurance comes with the following benefits:

You can drive legally

By law, it is mandatory to insure your car with at least a third-party liability insurance. If you get caught by the authorities for driving a car without insurance, you have to pay a hefty fine. Violating such laws can also lead to imprisonment for up to three months. Thus having a third-party insurance gives you peace of mind that you are following the law and will not attract fines.

You can protect yourself from unwarranted losses

Even if you practice the highest level of safety while driving, accidents are bound to happen. If you are responsible for causing injuries or damage to a third-party person or property, you have to bear the costs of such liabilities. With third-party liability cover, your insurance provider pay for such costs.

You can cover personal injuries

Your insurance plan also comes bundled with a mandatory personal accident cover to help manage your hospitalisation and treatment expenses. You may also be eligible for a monetary cover in case of accidents leading to permanent disability. The policy also includes a death benefit paid out to the policyholder's family in case of the policyholder's death in an accident.

Covers damage caused to the third-party property

During an accident, your car may collide with another vehicle or cause damage to someone's property. If that happens, you shall be liable to pay for expenses to repair the damages. The cost of repairing damages can put a massive dent in your pocket. Your third-party liability insurance can take care of such expenses on your behalf.

Covers injuries caused to third-party person

If your car causes injuries to a third-party, you become liable to pay for their medical expenses. These may include hospitalisation, doctor's fees, medications, tests, etc. Per the terms of the third-party car insurance plan, the insurer bears the costs associated with third-party hospitalisation and medical expenses.

Third Party Car Insurance Rates

The cost of third party car insurance is standardised by the IRDAI, i.e., it remains the same across all insurance providers. W.e.f. 1 st June 2022, the base premium for third party liability insurance is as follows:

For private cars:

Engine capacity

Premium for one year (Rs)

Single premium for three years (Rs)

For electric cars:

Battery

Premium for one year (Rs)

Single premium for three years (Rs)

​​

A third-party car insurance plan covers policyholders for the expenses incurred due to the following reasons:

Death or bodily injury to a third party

Damage to a Third-Party Vehicle because of the insured vehicle

Damage to third-party property to an extent of Limit - Rs. 7.5 Lacs

Calculate your premium easily with our Car Insurance Calculator.

What Does a Third-Party Car Insurance Policy Not Cover?

When opting for a third party only car insurance policy, you must be aware of what benefits you're missing out on. Let's take a look at what third party car insurance does not cover:

Cost of damages to a vehicle or the belongings in the vehicle in case of an accident

Cover for losses incurred if your car or belongings are stolen or destroyed

Coverage against damages to your own vehicle

It would be wiser to opt for third-party motor insurance if you own an old inexpensive car model, which is cheaper to repair. Has your car insurance expired? Click here for easy expired car insurance renewal online.

Things To Consider

While third-party car insurance is mandatory by law, you need to keep in mind the following:

It doesn't cover your own damages

Your third-party car insurance will not provide coverage against the damages and losses to your own car. To protect your car financially, you need to opt for a separate comprehensive car insurance policy from reputable insurers.

It doesn't cover damages due to natural calamities

Your vehicle may be damaged due to reasons beyond car accidents. Natural calamities, including floods, tsunamis, earthquakes can also seriously damage your car's engine and other vital components. However, third-party plans do not cover damages caused due to natural elements and Acts of God. If you wish to obtain such coverage, you should consider upgrading to a comprehensive car insurance plan which covers damages caused by both, natural calamities and human-made incidents.

You can't opt for add-ons

There are several add-ons that enhance the coverage of your plan, but you can only opt for them in case you buy a comprehensive car insurance plan and not with third-party car insurance.

Why Buy Third Party Car Insurance From Reliance General Insurance?

With a Reliance General Third Party Only Car Insurance Policy, you will get the following benefits:

Cover for causing accidental injury or death to the third-party

Cover for accidental damage to the third party's property

Easy Claims with 98% Claim Settlement Ratio

Did you know that you can take your car on long-distance trips, beyond the country's borders? Protect your international road trip with travel insurance plans from Reliance General Insurance!

How to File a Claim for Third Party Car Insurance?

Given below are the vital points that you need to consider in case of a third-party insurance claim:

1. In an unfortunate event like an accident, the third-party must file an FIR immediately after the accident takes place. You must retain a copy of the said FIR and the Charge sheet filed by the Police. On happening of an accident-causing injuries to the third party, you need to inform the police and your insurance provider, without any delay and share the valid documents of the vehicle including the driving licence of the driver.

2. In case of an accident, where you are not at fault or you have been impleaded in an accident, though not involved, file an FIR with the police against the person/s who have caused the accident or have impleaded you as a party to the case and defend the case in the court along with your insurer.

3. In India, Motor Accident Claims Tribunal decides the claim for compensation amount to a third party. In case of personal injuries to a third-party, there is no upper limit, whereas there is limited liability of insurance up to Rs 7.5 lakhs in the event of losses and damages caused to third-party property or vehicle depending on the involvement of the vehicle insured. A claims petition seeking compensation is filed by the third party before the concerned Motor Accident Claims Tribunal and the judicial proceedings start wherein the vehicle owner, driver and insurer is a party to the case.

4. If the damages and losses caused due to an accident are minor, then it is advisable to settle it outside the court as dealing with the court proceedings is a time-consuming process.

5. When the matter is decided by the Tribunal and there is no violation of the insurance policy and in case everything is in order, the compensation amount awarded by the Tribunal will be paid by your insurance provider to the third party.

6. Collect photographic evidence if you can. This should include taking pictures of the accident site, pictures of the injury, damaged vehicle or property. This will also help the insurance company get a clear picture of the accident caused.

7. In case of a claim related to personal accidents, all you need to do is call customer care number and your insurer will take care of the rest.

Whatever your insurance requirements may be, you never need to look beyond Reliance General Insurance. Choose from a range of vehicle, health and travel insurance​ plans and secure your finances.​

*T&C apply: The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium. The premium quoted is subject to change in case any alteration is made while generating the final quotation for premium​. ​For more details on risk factors,​ ​terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale. Details mentioned here are for the product- "A​" Policy for Act Liability Insurance. UIN- IRDAN103RP0003V01200102​.

​

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Buy Third Party Car Insurance online | Reliance General Insurance

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​​ A third-party liability insurance is a financial cover for vehicle owners which protects them against legal liabilities arising due to loss or damage caused to a third-party person or property. Per the Indian Motor Vehicles Act,1988, insuring your vehicle with a third-party liability cover is mandatory.

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Buy Car Insurance Renewal Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Car Insurance Renewal Online | Reliance General Insurance | Get Affordable Coverage Now

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Looking to renew your car insurance? Reliance General has got you covered. Get a quote now and renew your car insurance hassle-free.

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Renew Car Insurance Online | Reliance General Insurance

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Renew car insurance online from Reliance General Insurance which offers instant renewal with zero paperwork. Get insured with a personal accident cover of Rs. 15 lacs with attractive discounts.

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Buy Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Car Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Looking for a comprehensive and affordable car insurance policy? Reliance General offers car insurance plans that give you complete protection on the road. Get a quote now!

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What is Car Insurance?

Car insurance, or motor insurance, is a product that protects you from losing money on repairs if you damage your car or someone else's car or property. There are different kinds of car insurance policies available like third-party car insurance, comprehensive car insurance, commercial vehicle insurance, etc. In India, every car owner is required to have at least a third-party car insurance. However, taking a comprehensive car insurance for your four-wheeler will cover you in multiple instances making it a more attractive proposi​​tion.

Another sought-after advantage of a trusted car insurance plan is the coverage it offers for your car damages arising out of accidents and thefts. Insuring your vehicle requires you to pay fixed-cost premiums, depending upon the plan opted for.

Motor insurance is vital, especially if you are a frequent driver. No matter hows careful you strive to be on the road, the chances of accidents never fades away.

Key Features of Re​liance Car Insurance Policy

Why Buying Car Insurance is Important in India?

Buying a reliable ​car insurance is an important financial step to take as an owner of a four-wheeler. While there are multiple reasons to insure your car, here are some of the most highlighted ones:

Keeping Up With The Law Compliance: The Motor Vehicles Act, 1988 firmly makes it mandatory for all car owners to have third party car insurance without fail. Driving your car on Indian roads without third party car insurance can result in legal trouble. Thus, having car insurancehelps you keep up with the law compliance while assuring your vehicle safety.

Getting your car insurance from a reliable provider is as important as getting car insurance itself. With a reliable provider, like Reliance General Insurance, you can enjoy the benefits of a car insurance plan that offers full protection from a trusted brand.​

​

Why choose Reliance Car Insu​​rance?
​​​

We offer a wider range of servic​es and assistance to ensure that our customers do not have to go through any hassles:​

How Does Reliance Car Insurance Work?

Reliance bases its car insurance plans and policies on the intersection of transparent processes, better returns, and improved convenience. With our easy-to-claim registrations, you get faster claim approvals and seamless settlements based on your evaluated eligibility.

To top it all, you can also boost your insurance plans with valuable add-ons that take your policy to the next level- offering enhanced motor safety. Here's a glimpse of how exactly the Reliance car insurance work:

We primarily offer three types of car policy; Comprehensive Car Insurance , Own-Damage Car Insurance, and Third-Party Car Insurance.

Next, you can choose from a suite of 7 add-ons that you get with Reliance Car Insurance and make your plan even more powerful.

Benefits of Renewing Your Car Insurance Online

Renewing your car insurance online helps you get cover for possible financial liabilities in the future arising from unexpected accidents. It saves you money by safeguarding your vehicle against damage repairs due to natural calamities. You can avoid the traditional paperwork, ditch long queues, and fasten your insurance process by making the renewal online.

Things to Keep in Mind While Buying Car Insurance Policy Online

Car insurance plays an essential role in extending the lifespan of your treasured ride. The emerging technologies have made car insurance renewal a seamless process. However, one needs to be mindful of certain important factors when it comes down to buying a car insurance policy online. Some of these include:

Keep a Note of the Policy Coverage: Your car's insurance policy coverage mostly depends on your overall budget. Besides the make and model of the car, the location of registration is another aspect to consider while you hop onto the policy coverage section.

Insured Declared Value (IDV)​: A four-wheeler's IDV assists in calculating the cost of coverage once you get your hands on the car insurance policy online. Suppose you claim for your automobile insurance; the insurance provider serves a reimbursement for the IDV.

Insurance Company's Reputation: When you purchase a car insurance policy online, it is vital to check the firm's legitimacy and avoid any possible scams. This helps you select a trusted provider and keep your vehicle safe.

There are increased chances of experiencing fraud due to the online transactions that take place, and thus you must double-check your choices. You can ensure your automobile's security by exploring the testimonials, customer reviews, and online ratings of the insurance provider.

Leverage the Power of Add-Ons: Whether you buy car insurance or renew car insurance policy online, add-ons serve as a complete bonus for your automobile. This extensively benefits the customer by enhancing the policy cover and providing increased security for your four-wheeler.

Cashless Networking: Insurance providers' extensive network garages are the perfect places to repair common damages to your motor. Herein, the burden of paying for the cost of repairs is directly borne by the insurer while you experience a clean sweep from the entire process.

​

​How can you save the premium of your car insurance?​​​

No Claim Bonus: ​No Claim Bonus is the reward you get as a discount on your premium at the time of your car insurance renewal if you do not raise any claim in the preceding year. The NCB increases with every claim-free year and goes up to a 50% discount on the premium.​

Voluntary Deductibl​e: ​​​Voluntary deductible is the percentage sum of the claim that the policyholder chooses to pay out of his/her own pocket. Your car insurance will cost less if you choose higher voluntary deductible value.​​

AAI Benefit: AAI stands for Automobile Association of India. If you are a member of AAI, then you can avail a discount on the premium along with a wide range of services and assistance.​

Documents Required For Filing Car Insurance Claim

Filling a car insurance claim requires you to present all the essential documents that indicate the genuineness of your request. This predominantly includes:

Filled and signed claim form

Original repair estimates

Copy of your insurance policy

Copy of the driver's license of the concerned person

Copy of the Registration Certificate (Including your car model)

Copy of an FIR (if applicable)

A surveyor is sent to verify all these details once you submit the documents for the claim. You may also be asked to share the repairs bills incurred due to the damages to the car. Once your final settlement amount is approved by the insurer, you are paid the due claim amount according to the policy terms.

Different types of car insurance plans in India​

There are primarily three types of car insurance plans:​

Comprehensive car insurance​​

A comprehensive car insurance policy is an all-around extensive plan that provides coverage for both third-party liabilities and own car damages or losses. In addition to theft and accidents, a comprehensive car insurance policy also covers the losses arising out of natural calamities, lightning, collisions man-made disasters, vandalism, explosions, and more.​​

Benefits of this policy​

​

O​wn car dam​age insurance

Own car damage insurance offers coverage for the losses or damages to your car. It allows the insured or the owner of the car to avail of flexible coverage depending on his/her needs and preferences.​​​

Benefits of this policy

​

Third-party car insurance

Under the Motor Vehicles Act, 1988, third party car insurance is mandatory for all vehicles. A third-party car insurance policy covers you against the financial losses or expenses that you will have to bear in case you are liable for the loss or damage of property, physical injury, disability, or death caused by your car. It also covers the cost of legal expenses that you may have to incur.

Benefits of this p​olicy

​

Why Buying a Car Insurance Online Makes Sense?

Since the purchase is made online directly with the insurer, there won't be any interactions with agents. One must speak with the insurer directly if they need assistance. However, using the internet can save money because there are no middlemen involved.

It is advantageous to purchase new car insurance online because there is no need to pay agents a commission for recommending a policy to you. As a result, buying car insurance online is more affordable.

Additionally, since there is no need for paperwork or physical documentation, it is advantageous for everyone.

Benefits of buying car insurance online

You get the best offer: Various car insurance renewal policies with comparable features and services are offered for various car insurance quotes in today's competitive market. The price of each insurance policy can be compared when you shop for insurance online, allowing you to choose which one you want to purchase.

Minimum to nil paperwork required: You are prompted with a series of basic inquiries about you and your vehicle when you go to purchase an insurance online policy. You can choose the level of protection for your car based on the answers to these questions.

Convenient:​ You can purchase a product like auto insurance whenever you want and from wherever you are, thanks to the internet. You can purchase a car insurance policy at midnight from the convenience of your home and still have a smooth transaction. Convenience is offered by online auto insurance purchases.

Instant policies: The traditional approach to purchasing auto insurance takes time. You must begin your search for the ideal policy well in advance, say a few months before the actual expiration date.

Why should you buy a comprehensive car insurance policy?

Similar to any other insurance, a comprehensive car insurance policyupholds the sole responsibility of covering car damage due to accidents, theft, or losses to a third party. A comprehensive car insurance policy is entirely inclusive of damages caused due to natural calamities.

With our top-notch comprehensive car insurance policy, you can seamlessly drive through and increase your motor's lifespan. Let's dive in and explore some of the top benefits of a comprehensive car insurance policy.

Benefits of comprehensive car insurance

The main advantage of getting comprehensive auto insurance is that it guards your vehicle against any unlucky losses and damages caused by collisions, fires, accidents, etc. By doing this, you not only avoid unforeseen costs but also guarantee that your car will continue to run well even in the event of an accident.

In India, it's critical to select the proper type of vehicle insurance. After all, it is required by law to have at least a minimal level of third-party liability insurance. If you don't have one, you risk getting fined for moving violations and even having your license suspended!

Understanding the distinction between comprehensive car insurance and third-party vehicle insurance will help you determine what will best protect you from costly fines as well as damages and losses that may result from accidents, collisions, floods, theft, etc.

Add-On Covers in Reliance Car Insurance Policy​​​

Choose from these 7 add-ons that you get with Reliance Car Insurance:

Total ​Return to Invoice

In case of a Total loss, Constructive Total Loss, or Theft claims, the Reliance Car Insurance provides an add-on of Total cover. This add-on cover indemnifies the policyholder for the amount spent on the registration fee, octroi, or any other fee levied by the government like road tax along with the insurance premium that has been paid out until the event of total loss or theft.

EMI Protection Cover

If your car is being repaired in one of our network garages and is retained for more than 21 days, under this add-on cover, Reliance Car Insurance will pay for your EMI. Note that this add-on is applicable for 3 EMIs. Also, an EMI is paid out only if the car undergoes repair through a set of 21 days. The second EMI will be paid if the car is kept in the garage for 42 days and likewise.​

UIN: IRDAN103RP0001V01201920/A0014V01201920​

Nil Depreciation Cover

Depreciation is the wear and tear that happens over time due to usage. As time passes, the value of your car decreases which reduces the insurance coverage amount. The Nil Depreciation Cover add-on provides the full cover without deducting the costs of depreciation. This add-on allows you to get the whole replacement value and not the depreciated value of the replaced parts.

UIN: IRDAN103RP0001V01201920/A0013V01201920​

Engine Protection Cover

With the Engine Protection Cover, you will stay guarded against the cost of repairing your engine or gearbox because of water ingression or leakage of the lubricating oil spilling in into the engine. These events are not covered under a standard stand-alone or even comprehensive car insurance policy and can cause a major financial expense.

UIN: IRDAN103RP0001V01201920/A00​11V01201920

NCB Retention Cover

No Claim Bonus is the reward you get for a claim-free year. It is applicable only at the time of car insurance renewal. However, the NCB drops to zero as and when you make a claim on your policy. With an NCB Retention Cover, you can keep and maintain your NCB despite making a claim in the policy year and thus, reap the benefits of a lower discounted premium.

UIN: IRDAN103RP0001V01201920/A0008V01201920​​

Daily Allowance Benefit

If your car is getting repaired in one of our network garages and stays there for more than 3 days, you can get a daily allowance covering the cost of your travel or commutation until the car is returned.

UIN: IRDAN103RP0001V01201920/A0010V01201920​

Return to Invoice

In case of a total loss or theft, a standard comprehensive car insurance policy pays the insured a sum equal to the IDV or Insured Declared Value. IDV is the maximum amount that the insurer will cover, and is based on the current market value of the car. The current value of the car and the purchasing value of the car are different. The Return to Invoice add-on cover allows you to cover the difference between the IDV and the original price of the car.​​​​​

Factors Impacting Insured Declared Value (IDV)

The Insured Declared Value (IDV) is a direct metric that provides you with an estimated market value of your vehicle and indicates the maximum reimbursement amount you can get from the vehicle insurance company in case of a complete car loss.

There are multiple factors that have a significant impact on your IDV. Some of the most crucial ones that tend to influence your entire market value include:

Age of the Car: Your car's age can either increase or decrease the estimated IDV. More often than not, your Insured Declared Value takes a dip as your car gets older. This is majorly because of the depreciation of the car parts over the years. This directly lowers the total sum insured for your vehicle insurance.

Car Model: ​ Comparatively, costlier and more advanced cars often have a higher IDV over the traditional models. This arises from the fact that the latest models mostly have better market value, being in trends.

​The overall make of the car also affects the IDV, increasing it multifold for luxury vehicles.

Place of Registration: The market value of any motor is largely dependent on the place where it is registered. Coming under its jurisdiction, its cost is estimated as per the standards prevalent in that area.

The Insured Declared Value of your car is also impacted by the state, city, or town where the vehicle is registered. If you opt for an insurance policy in a metropolitan city, the IDV is likely to be higher as compared to the one offered in smaller regions of India.

Comprehensive Car Insurance vs Own Damage Car Insurance vs Third-Party​

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Car Insurance Terms You Need To Know About

Automobile insurance is a vast field to dig in. One needs to have proper knowledge about insurance terminologies and jargon used by experts. Here is a top-notch list of the most common car insurance terms you need to know about:

Legal Liability This is a dedicated policy for third parties who are impacted due to a car accident in which you were involved. Abiding by this, you are legally liable to pay for all the damages caused to the third party.

Third party car insurance This is a mandatory policy for all car owners by law. It assists every third-party by compensating for any accidental damage, death, or injury. Since it majorly supports third-party and doesn't serve as a cover for possible damages of policyholders, it's also known as an "act-only" policy.

Claim Claim refers to a formal request made by the policyholder directly to the insurer to compensate for all your automobile's damages. Only through this claim can a policyholder secure their four-wheeler.

Comprehensive Insurance​ Being a highly inclusive cover, comprehensive insurance protects the policyholder from own damages along with serving as a protection layer for third-party damages as well. Either man-made or natural disasters, comprehensive vehicle insurance is beneficial for both types of damages.

Network Garages Whenever an insured car requires repair, the policyholder is free to raise a claim. Most insurance companies serve a cashless claim process for car owners to easily sail through the formalities. Here, insurance providers can directly deal with the garage owners.

Insured Declared Value (IDV) Being yet another common term used in the automobile insurance field, IDV refers to the maximum amount of insurance claim that the policyholder receives in case of any possible damage to the four-wheeler. The insured declared value of any motor is highly influenced by its ex-showroom price and the depreciation of the car.

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Car Insu​rance Coverage

Reliance offers a rich suite of coverages with its well-defined policies for car insurance renewal online, helping you in different situations. Here is all that is covered by the insurance policy:

Car Damages Due to Accidents: In case of severe accidents, extensive car damages can lead to financial liabilities. Comprehensive insurance or an own-damage cover can help you better deal with the issue.

Third-Party Liability Cover: Unforeseen car accidents can result in third-party damages, including the person. Our comprehensive insurance plan and the dedicated third party car insurance policy provide coverage against all these repair costs.

Damages by Man-Made Calamities or Fire Breakouts: Damages caused by fire from explosions and lightning are well-covered by our comprehensive car insurance renewal plans. Another significant coverage provided by the policy is the protection from financial liabilities for damages repairs due to terrorist attacks and riots.

Damages Caused by Natural Disasters: Our insurance plans safeguard you from the damages caused by natural disasters, including floods, earthquakes, or heavy rainfalls.

Car Theft: The insurance policy helps you avail a reimbursement for your Insured Declared Value (IDV) in case of car theft. This is also applicable if your four-wheeler is damaged beyond repair.

Damages Incurred in Transit: You may need comprehensive car insurance to get cover for any damages incurred while moving your car across different geographic locations via roadways, airways, waterways, or railways.

To top it all, you can also customize your car insurance plan by leveraging our 7 offered add-ons. This helps you further enhance your policy and avail more protection for your four-wheeler.
Below mentioned are the damages that are not covered by your insurance policy:

Damages after driving without a proper driving license

A vehicle used outside India

Damages due to drunk driving

Ordinary wear and tear due to regular depreciation

Regular maintenance

Damages caused due to driver negligence

Commercial usage of a private vehicle

Damages due to crash testing and speed racing

Damages due to war or nuclear peril in the country

You can always consider choosing your insurance plan based on your needs. While all the primary covers are included in the policy, you can further enhance it with the add-ons. This helps create the perfect insurance policy for you and your loved ones!

Easy & Faster Car Insurance Claim Process​

With Reliance Car Insurance, you can make a claim in three quick steps:​​

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You can register your claim by making a video inspection using the Selfi App or you can call​ ​(022) 4890 3009 (Paid Number)

You will have to submit details and documents such as the registration number, policy number, car and model type etc.​​

After submitting the documents, you will have to wait for the claim to be evaluated and approved. You can check the progress of the process in the Selfi App.​​

After the claim is approved, it will be settled, that is, you will be covered for the loss or the damage that happened.​

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How to calculate car insurance premium?

With the constant developments, there has also been introduced a dedicated formula to calculate the car insurance premium. This yields a quote for the car insurance amount along with the premium amount required to pay for the car insurance.

One can also hop on the modern car insurance calculator to ease tasks. Keep reading to explore some of the essential components of your car insurance premium and save more!

How is your car insurance premium calculated?

There lie multiple things in the fine print of our sought-after insurance policies. These primarily include terms and conditions, exclusions, special cases, and much more. However, the premium is always on the upfront. At most times, we tend to hear just a number but never dig deep to get a thorough understanding of how that number really landed or what kind of calculation process is required.

Car insurance is majorly dependent on the Insured Declared Value (IDV) of the vehicle type, age of the vehicle, and the Cubic Capacity of the engine Geographical zone.

Calculate the percentage of IDV, which is decided by the Indian Motor Tariff, and receive a premium for OD cover.

The main formula to calculate OD car insurance premium amount is:

Own Damage premium = IDV X [Premium Rate (decided by insurer)] + [Add-Ons] - [Acquired discounts & benefits (Eg, NCB, etc.)]​

How to Save on Car Insurance Premium?​

Check Car Premium Quotes

​Check the coverage and the associated premium of different car insurances online. You can check the benefits, service clauses, coverage, and add-ons by comparing the plans of varying insurers. Choose a plan whose premium and coverage are in line with your budget and requirements.

Check Available Discounts and Offers

The car insurance market is quite competitive. Quite often insurers give out several offers, discounts, and packages that can in aggregate reduce the premium amount significantly. Look out for such discounts.

Raise Your Deductible

There is a part of the claim that one has to pay compulsorily. However, you can choose to increase the amount of your voluntary deductible. The higher the deductible, the lower would be your premium amount.

No Claim Bonus

The reward that you get for every claim-free year is called No Claim Bonus. It is given out as a discount on the premium amount when you renew your car insurance. Be a disciplined driver and maintain your car well, so that you can go claim-free year after year.​​

Buy or Renew Secondhand Car Insurance Online

Getting insurance for your secondhand car involves some additional aspects of consideration. You must check with the car owner for his valid insurance policy and duly get it transferred in your name.

In case the car owner does not have four-wheeler insurance or the plan has expired, we can easily help you buy or renew secondhand car insurance. Some of the most important considerations for your secondhand car insurance include:

The motor insurance must be transferred in your name within 14 days of purchase. You should also ensure the transfer of car ownership during this time.

Enquire about the claim history of the car that you intend to purchase. You can also get this vetted by the insurance company by providing them with your policy number.

Consider transferring your previous No Claim Bonus to the new insurance policy, if applicable.

Once the ownership rights are transferred to your name, make sure to cross-check the expiration date of your policy. This will guide you to renew the plan well in time, without hassles.

Apart from all the above-mentioned considerations, why is secondhand car insurance needed? Let's explore:

Stay Protected from Natural Calamities

A secondhand car has already been through a lot. After all, if it gets damaged due to some natural calamities including flood, cyclone, etc., the repairing expense is huge. This is why it's better to have insurance for a used car to avoid experiencing heavy strains on your finances.

You may think roads are the safest, but you are wrong! You can end up colliding with another person on the road anytime and even get harassed to pay for the compensation. Why go the hard way when you can easily avoid it? Buy secondhand car insurance and secure the future of your secondhand automobile.

Security Against Theft

Car theft is a very common thing in today's modern times. Purchasing car insurance is the perfect solution to protect your motor from this kind of activity. If such a crime happens and you have secondhand car insurance, then the insurer will compensate for all the theft charges as per the IDV fixed at the time of policy purchase.

With secondhand car insurance, there comes a plethora of add-ons to enhance your motor journey and safeguard its lifespan. One of these add-ons includes a No Claim Bonus (NCB). It is a special insurer reward to the policyholder for not making any claim during the dedicated policy year. This serves extra benefits to the car owner.

Benefits of Renewing Your Car Insurance Online

When you renew car insurance policy online, you gain a plethora of benefits. Be it a minor dent or major car breakdown - car insurance is there to help you easily sail through easily. Some of the top benefits include:

Comprehensive Coverage: When you have the option of securing your automobile's future, why go the hard way? Whether it's a landslide, earthquake, flood, or even cyclone - renewal of your car insurance's comprehensive cover becomes your ultimate backbone. Here all types of man-made tragedies, including riots, road accidents, and theft, can also be covered.

Add-Ons: There's never a guarantee that the car owner is always happy with the policy coverages. However, there's a solution for everything. At the time of your policy renewal, you can hop on a wide range of add-ons to enhance your car renewal. The availability of add-ons is solely based on the insurer you choose.

No Claim Bonus (NCB): If you renew car insurance without filing a claim, you get eligible for NCB. This is an exclusive insurance premium discount that can be simply availed at the time of policy renewal. NCB offers a discount starting from 20% upto 50% for the fifth consecutive no-claim year.

​ Increased Security: When you renew car insurance policy online, you experience an increased sense of security and confidence in your automobile. However, if you don't, you are always at the risk of paying multiple penalties over any possible car damage. Hence, it is always a wise decision to renew car insurance this way and experience a hassle-free ride.

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Every human being is highly concerned about their automobile. It's their sole responsibility to keep it in good condition and protect them from accidents, breakdowns, and minor damages.

Similarly, it's our responsibility to serve you top-notch car insurance policies and secure the future of your four-wheeler seamlessly. Get in touch with our teams and renew car insurance policy today!

How to Renew an Expired Policy?

You can renew your car insurance policy either through the Selfi App, by visiting the Reliance General Insurance website, or by calling us at +91 22 4890 3009. Here are some quick steps to renew your car insurance online:​

On the RGI webpage, choose car insurance.

Enter the details of your car and check insurance policy renewal quotes.

Fill in and submit details such as name, email, car's registration number, insurance policy number, policy expiry, previous claim details etc.

Select a car insurance renewal plan from the available options and the required add-ons.

If you have gone claim-free in the previous year, enter your No Claim Bonus.

After filling in the required details, make the premium payment, and your car insurance policy will be renewed.​​​​​

What is NCB in car insurance?

It is often a popular misconception that insurance is only relevant to people with poor driving skills or a not-so-good track record. Ever wondered what exactly you get against insurance if you have been a good driver throughout?

Well, this is where NCB comes into play.

Short for a No Claim Bonus, NCB can be considered as a reward you grab at the time of car insurance renewal when you have made no claims for multiple consecutive years. This is often reflected as a discount on your car insurance premium and can go upto 50% of the total amount.

It is interesting to confirm that this exclusive bonus is not granted to a particular vehicle but to the respective car owner. Thus, all these bonuses can be transferred easily if you decide to get a new car.

If you happen to make a claim within your policy period, the No Claim Bonus dips down to zero. One effective way to prevent your NCB from lapsing is by not making claims for mere scratches or dents.

Nevertheless, we at Reliance strive to safeguard your interests here as well. With our dedicated NCB Retention Cover add-on, you can still avail your bonus after making a claim and pay low-cost, discounted premiums, as outlined by the terms.

​G​ot some questions? You can call us on +91 22 48903009​ regarding any queries while buying car insurance online.​

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Car Insurance: Buy/Renew Four Wheeler Insurance Online with 98% Settlement Ratio

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Car insurance, or motor insurance, is a product that protects you from losing money on repairs if you damage your car or someone else's car or property. There are different kinds of car insurance policies available like third-party car insurance, comprehensive car insurance, commercial vehicle insurance, etc.

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Buy Motor Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Buy Motor Insurance Online | Reliance General Insurance | Get Affordable Coverage Now

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Reliance General provides the best motor insurance online with easy policy wordings and simple procedure to make claims. Get motor insurance quotes now!

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Protect Your Car/Bike With Reliance General Insurance Policy

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Buy a comprehensive car or two-wheeler insurance with added benefits for your automobile from Reliance General Insurance. Get instant policy quotes online!

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Buy the Best Country-Wise Travel Insurance with Reliance General Insurance

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Buy the Best Country-Wise Travel Insurance with Reliance General Insurance

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Looking for a travel insurance policy for your next international trip? Reliance General Insurance offers a variety of international travel insurance plans to fit your needs.

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Travel Insurance for Every International Destination | Reliance General Insurance

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Get travel insurance for your trip with Reliance General Insurance. Protect yourself against unforeseen circumstances during your travels with our country-wise travel insurance plans. Visit us now to know more.

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Compare Student Travel Plan - Find the Best Plan from Reliance General Insurance

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Compare Student Travel Plan - Find the Best Plan from Reliance General Insurance

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Reliance General Insurance presents a Student Travel Plan Comparison for those who are looking for the best travel insurance for students. This comparison will help you choose the right plan for your needs.

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In order to get the best travel insurance for students, it is useful to compare student's travel insurance plans online, which will help you identify the best one. Above table will help you in this regard.

Many of us fall into the trap of considering travel insurance as just another formality before travelling, or for that matter when going abroad for studies. However, it is unwise to do or think so. This might cause you to land in a situation wherein your student travel insurance cover falls short leading to distress, both financially and mentally. This can have an adverse effect on your academics in turn to a great extent. Thus, make sure you consider a number of factors while comparing student travel insurance plans before signing on the dotted line.

The risks you are exposed to vary, depending on the country/area you will be going to for studies. Thus, it is important to choose the right amount/type of coverage accordingly. For instance, a trip to Japan, which is prone to earthquakes, is going to cost you more as compared to say, Singapore.

As a general rule of the thumb, medical coverage is the most integral aspect of any travel insurance policy. This holds true, especially for students since the cost of medical expenses can rise significantly when you are abroad. Getting medical treatment in countries such as US and Canada can prove to be a very costly affair. Hence, it is recommended that you choose an appropriate sum insured amount considering your study destination.

Baggage and personal items cover

Typically, a travel insurance policy covers loss of checked-in baggage at the airport. Make sure you check the policy wordings for the details as well as the exclusions. It also covers personal items up to pre-defined limits depending on the travel insurance company and the selected plan. Additionally, passport loss is covered too. If you lose your passport, the insurance company will bear the cost of issuing a new/duplicate passport.

Sports and Adventure activities

Due to high-risk perception, adventure sports and related activities are not generally covered in a travel policy due to the high-risk perception associated with such activities. That said if you plan to indulge in adventurous sports, you can avail such coverage with an add-on request, which would entail a rise in premium.

Flight cancellation cover

With this cover, you will get the cost of flight tickets refunded upon flight cancellation due to reasons such as bad weather. For a better understanding of the inclusions and exclusions, go through your student travel insurance policy​ thoroughly.

The number and the degree of benefits offered by a student's travel policy vary across companies. Thus make sure to compare student travel insurance policies for students online to avail the best travel insurance plan for students that meet all your requirements. The key benefits to look out for are study interruption, sponsor protection, and bail bond coverage. These benefits cover:
1. Reimbursement of current (paid) semester fee, if your education is interrupted due to a medical condition.
2. Reimbursement of tuition fees, in case the sponsor paying your fee passes away due to an injury.
3. Payment of bail amount to the appropriate authority, if you're arrested or detained by any judicial authorities for a bailable offence, while abroad.

If you are having a pre-existing medical condition such as diabetes or asthma, it is crucial to make sure you are covered against them. This will secure you from the financial implications if your condition aggravates during your course duration and are admitted to a hospital. However, make sure to check the policy wording for exclusions to pre-existing diseases to avoid unpleasant surprises.

With the above pointers in place, you will be in better position to choose the best travel insurance​ for students. The basic idea is to ensure that you compare the student travel insurance plans and policies prudently, taking your academic and personal needs as well as priorities into consideration.

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Compare Student Travel Insurance - Comparison of Travel Insurance for Students at Reliance General Insurance

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In order to get the best travel insurance for students, it is useful to compare student's travel insurance plans online, which will help you identify the best one. Above table will help you in this regard. Many of us fall into the trap of considering travel insurance as just another formality before travelling, or for that matter when going abroad for studies.

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Compare Senior Citizens Travel Plan - Find the Best Plan from Reliance General Insurance

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Compare Senior Citizens Travel Plan - Find the Best Plan from Reliance General Insurance

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Senior Citizens Travel Plan Comparison - Find the best travel insurance plan for senior citizens. Compare and buy the best travel insurance policy online.

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In order to get the best travel insurance for seniors, it is a good idea to compare senior's travel insurance plans online, which will help you determine the best one. Above table will assist you in this regard.

How to Buy the Best Travel Insurance for seniors: Things to Consider​

Many of us fall into the trap of considering travel insurance as just another formality before travelling. However, it is unwise to do or think so. This might cause you to land in a situation wherein your senior citizen travel insurance cover falls short leading to distress, both financially and mentally. Thus, make sure you consider a number of factors while comparing travel plans for seniors before signing on the dotted line.

Destination

The risks you are exposed to vary, depending on the country/area you will be visiting. Thus, it is important to choose the right amount/type of coverage accordingly. For instance, a trip to Japan, which is prone to earthquakes, is going to cost you more as compared to say, Singapore.

Medical Insurance

As a general rule of the thumb, medical coverage is the most integral aspect of any travel insurance policy. This holds true, especially for senior citizens because of the amplified health related risk. Typically, the cost of medical expenses can rise significantly when you are abroad. Getting medical treatment in countries such as US and Canada can prove to be a very costly affair. Hence, it is recommended that you choose an appropriate sum insured amount considering the destination you are travelling to.

Baggage and personal items cover

Typically, a travel insurance policy covers loss of checked-in baggage at the airport. Make sure you check the policy wordings for the details as well as the exclusions. It also covers personal items up to pre-defined limits depending on the travel insurance company and the selected plan. Additionally, passport loss is covered too. If you lose your passport, the insurance company will bear the cost of issuing a new/duplicate passport.

Sports and Adventure activities

Due to high risk perception, adventure sports and related activities are not generally covered in a travel policy. Being a senior citizen the risk perception in such activities increases two-fold. That said if you plan to indulge in adventurous activities, with an add-on request you can avail such coverage, which would entail a rise in premium.

Flight cancellation cover

With this cover, you will get the cost of flight tickets refunded upon flight cancellation due to reasons such as bad weather. For a better understanding of the inclusions and exclusions, go through your senior citizen travel insurance policy​ thoroughly.

Benefits

The number and the degree of benefits offered by a senior's travel policy vary across companies. Thus make sure to compare travel insurance policies for seniors online to avail the best travel insurance plan for seniors that meet all your requirements.

Pre-existing diseases

If you are having a pre-existing medical condition such as diabetes or asthma, it is crucial to make sure you are covered against them. This will secure you from the financial implications if your condition aggravates during the trip and are admitted to a hospital. However, make sure to check the travel insurance policy wording for exclusions to pre-existing diseases.

With the above pointers in place, you will be in better position to choose the best travel insurance for seniors for your next holiday. The basic idea is to ensure that you compare the senior citizen travel insurance plans and policies prudently, taking your travel needs and priorities into consideration.

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Compare Senior Citizen Travel Insurance - Senior Citizen Travel Insurance Comparison at Reliance General Insurance

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In order to get the best travel insurance for seniors, it is a good idea to compare senior's travel insurance plans online, which will help you determine the best one. Above table will assist you in this regard. Many of us fall into the trap of considering travel insurance as just another formality before travelling.

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Protect Yourself with Reliance General Insurance - Buy Cover for Lost Baggage

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Protect Yourself with Reliance General Insurance - Buy Cover for Lost Baggage

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Reliance General's Travel Care Cover for Baggage Loss is a comprehensive insurance policy that provides cover for loss of baggage, personal belongings, and documents while you're travelling overseas.

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What are the best online courses to learn motion graphics and motion design?

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Dhiraaj Jaiswal's answer: Motion graphics and design, simply put, is an animated version of graphic design. You can find it everywhere around you: an animated title on the YouTube video, logo animation at the end of a commercial, smooth transition between 2 screens on your app, or animations whil...

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Buy Affordable Asia Travel Insurance Online from Reliance General Insurance

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Buy Affordable Asia Travel Insurance Online from Reliance General Insurance

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Looking for Asia travel insurance? Reliance General Insurance offers best travel insurance plans for Asia. Get a quote now and stay protected on your next trip!

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid)

Cashless
Hospitalization Worldwide​

Starting at​​
just ​Rs.306*

When it comes to family, everything needs to be perfect. Travel insurance is no exception. With the most preferred Family Travel Plan, you are all set for a fun-filled family trip! Reliance Travel Insurance has been specially designed to ensure that you have a splendid experience when travelling across beautiful Asian countries like Thailand, Singapore, Malaysia, China etc.​​

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​​​​​Take a look at the vario​us plans that we have in store for you-

Total loss of checked-in baggage*

Delay of checked-in baggage

Trip Delay (coverage for 6 days max)

Financial Emergency Assistance

*Total loss of checked baggage-Maximum amount payable per checked in baggage in case more than one bag has been checked in is 50% (100%​ for only one checked in baggage) of applicable sum insured and per item in baggage max 10%.

Please note, the minimum age of the insured is 3 months and the maximum is up to 60 years. The maximum duration of the trip is 30 days. ​Click here to view the detailed table of coverage

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What does the poli​cy cover?​

We've tried to 'pack in' maximum coverage for a variety of situations while you're travelling. Have a look!

Accidental bodily injury during the trip

Acute anaesthetic treatment of teeth due to an injury

Emergency expenses made for medical evacuation to India

Total loss of your checked-in baggage by a common carrier

Cost of obtaining a fresh or duplicate passport in case of a lost passport

Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death

Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier

Expenses incurred for the purchase of toiletries, clothing and medication in case luggage is missing for more than 12 hours

Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise

Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters

Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property

Facility to provide you emergency financial assistance in case you lose travel funds due to theft

Special distress allowance if your plane is hijacked for more than 12 hours​

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What does the polic​y not cover?​

Jus​t like it's not possible to ​pack everything you want into a suitcase, it's not possible to include coverage for all kinds of situations. Here's a list of things your Asia travel insurance policy won't cover!

Expen​ses incurred due to any of the following conditions:

Suicide

Self-inflicted injuries or illnesses

Mental disorder

Anxiety, stress or depression

Venereal diseases

Alcohol/drug abuse

HIV/AIDS

Expenses incurred if you're. . .

Traveling against the advice of physician and have to be hospitalised

Receiving or are on a waiting list for specified medical treatment

Travelling to receive treatment abroad

Have been given terminal prognosis for a medical condition

War or nuclear threat in the country where you're travelling

Any emergency financial assistance claims made after you've returned to India

In case of loss of checked baggage, no partial loss or damage shall become payable

Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered

Any issues faced due to theft or loss of passport when left unattended or if you don't report the loss to local police authorities

Life threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people upto 70 years of age. Customers need to declare all pre-existing diseases while taking the policy​

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*​Above mentioned rates are ​exclusive of taxes. ​Premium has been calculated for a medical sum insured of $25,000 for an Individual of 26 years on an Asia trip of 4 days.​ No medical check-up ​till​ the age of 90 years.

​​Want to extend your trip? Take a look at this-​​

​If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form​ ​​​with Good Health Declaration form​​ & visit the nearest branch.​

*​​T&C apply. Details mentioned here are for Reliance Travel Care Pol icy. UIN: RELTIOP08002V010708​.​​​​

Asia Travel Insurance FAQ

Asia Travel Insurance Reviews and Ratings

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travel insurance for asia with covid-19 cover

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Buy Asia Travel Insurance Online From India | Reliance General Insurance

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid) Cashless Hospitalization Worldwide​ Starting at​​ just ​Rs.306* When it comes to family, everything needs to be perfect. Travel insurance is no exception. With the most preferred Family Travel Plan, you are all set for a fun-filled family trip!

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Buy Affordable Schengen Travel Insurance Online from Reliance General Insurance

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Buy Affordable Schengen Travel Insurance Online from Reliance General Insurance

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Schengen Travel Insurance by Reliance General is a comprehensive insurance plan that covers you for all eventualities while you are travelling in Schengen countries.

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid)

​​​​​​​​​​​​​Instant
Policy Issuance

​Cashless
Hospitalization Wo​rldwide​

​

​Standing in a queue for Schengen Visa? You won't be issued​​​ the same without a travel insurance policy. Presenting Reliance Travel Insurance, which offers Schengen approved travel plans that can be issued within minutes without any paperwork or medical check-up. With this policy, you get the ad​vantage of visiting multiple Schengen countries like Switzerland, Spain, Italy, France, Germany, Portugal, Denmark and more. ​Click here to view the detailed list of countries. ​​​

A medical coverage of at least Euro 30,000 is compulsory to get a Schengen Visa. We recommend you to opt for our Schengen Travel plan if you are travelling alone. However, you can select our World Excl./Incl. USA & Canada plan if you are travelling with your family.​​

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​​​​​​​​Take a look​ at the various plans that we have in store for you-

Total loss of checked-in baggage*

Delay of checked-in baggage

*Total l​oss of checked baggage-Maximum amount payable per checked in baggage in case more than one bag has been checked in is 50% (100% for only one checked in baggage) of applicable sum insured and per item in baggage max 10%.

Please note, the minimum​​ age of the insured has to be 3 months and the maximum is up to 9​0 years.​​ ​ Click here to view the detailed table of coverage​

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Wondering which countries fall under the Schengen mandate? Take a look at this-​

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What does the policy cover?

Your Schengen travel insurance policy packs in the following 'items':

Accidental bodily injury during the trip

Acute anaesthetic treatment of teeth due to an injury

Emergency expenses made for medical evacuation to India

Total loss of your checked-in baggage by a common carrier

Cost of obtaining a fresh or duplicate passport in case of a lost passport

Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death

Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier

Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days

Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise

Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property

What does the policy not cover?

While you're insured for most-likely situations, not everything can be covered in an European travel insurance policy. Here's a list of exclusions you need to keep in mind!

Expenses incurred if you are-

Traveling against the advice of physician and have to be hospitalised

Receiving or are on a waiting list for specified medical treatment

Travelling to receive treatment abroad

Have been given terminal prognosis for a medical condition

Expenses incurred due to any of the following conditions-

Suicide

Self-inflicted injuries or illnesses

Mental disorder

Anxiety, stress or depressi​on

Venereal diseases

Alcohol/drug abuse

HIV/AIDS

War or nuclear threat in the country where you are travelling

In case loss of checked-in baggage, no partial loss or damage shall become payable

Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered

Any issues faced due to theft or loss of passport when left unattended or if you don't report the loss to local police authorities

Life threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people upto 70 years of age. Customers need to declare all pre-existing diseases while taking the policy​​​​

Want to extend your trip? Take a look at this-​​

​If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form​ ​with Good Health Declaration form​ & visit the nearest branch.​​

*T&C apply. Details mentioned here are for Reliance Travel Care Policy. Premium has been calculated for an individual who is 22 years old and is travelling to a Schengen country for 4 days.​

Popular Search:- Travel Insurance Online | International Travel Insurance | Schengen Travel Insurance | Travel Insurance Usa | Travel Insurance Canada | Family Travel Insurance | Buy Travel Insurance | Travel Insurance Premium Calculator | Travel Insurance Dubai | Group Gravel Insurance | Instant Travel Insurance | Business Travel Insurance​

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Schengen Travel Insurance FAQ

Schengen Travel Insurance Reviews and Ratings

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schengen travel insurance with covid-19 cover

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Buy Schengen Travel Insurance Online From India | Reliance General Insurance

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid) ​​​​​​​​​​​​​Instant Policy Issuance ​Cashless Hospitalization Wo​rldwide​ ​ ​Standing in a queue for Schengen Visa? You won't be issued​​​ the same without a travel insurance policy.

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Buy Affordable International Travel Insurance Online from Reliance General Insurance

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Buy Affordable International Travel Insurance Online from Reliance General Insurance

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Reliance General's Overseas Travel Insurance policy offers protection against medical and non-medical emergencies that might occur during your trip. Get international travel insurance and enjoy your trip worry-free!

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid)

​​​​​​Country
Specific Plans

Cashless
Hospitalization Worldwide

Travelling around the world is a thrilling experience. However, no matter how precisely we plan our trip, things tend to go haywire. Presenting Reliance Travel Insurance, that offers coverage against lost passport, lost checked-in baggage, trip delays & more. We offer plans specially designed for Asia, Schengen, USA & Canada,​ and ​​other countries​​,​ and have customized plans for family trips, solo travellers, senior citizens, and students studying abroad.​​

A medical coverage of atleast Euro 30,000 is compulsory to get a Schengen Visa. We recommend you to opt for our Schengen Travel plan if you are travelling alone. However, you can select our World Excl./Incl. USA & Canada plan if you are travelling with your family.​

Learn more about the types of travel insurance​.

​​ ​

​​​​​​​​​​​​​Take a look at th​e plans and​ coverage that we have in store for you-

Solo Trips-​​​​​

Family Trips- ​​​​​

*Total loss of checked baggage-Maximum amount payable per checked in baggage in case more than one bag has been checked in is 50% (100% for only one checked in baggage) of applicable sum insured and per item in baggage max 10%.

Please note, the minimum​​ age of the insured has to be 6 months and the maximum is upto 60 years.​​Click here to view the detailed table of coverage.​

​Learn more about family travel insurance.

​

​

No matter where you are going, we have a travel insurance plan for you:​

​

Off to discover gorgeous locations in Asia? Secure your trip with the specifically designed Asia Travel Insurance policy.

Planning a trip to any of the exotic Schengen countries? Secure your trip with Schengen Travel Insurance Policy.

​

USA & Canada offers a host of brilliant destinations to discover. Secure your trip with the U.S.A and Canada Travel Insurance.

We offer international travel insurance plans for countries such as South Africa, Australia, UK, Middle East and South America.​​

​
Lear more about choosing the right travel insurance.
​

Specific travel insurance plans for:

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What does the policy cover-​​​

At Reliance General Insuranc​​e we strive to negate all possible risks that you could encounter while travelling. Whether you are going on a leisure or a business trip, we've tried to 'pack in' maximum coverage for a variety of situations in our travel insurance policies.​​​

​Acu​te anaesthetic treatment of teeth due to an injury

Cost of obtaining a fresh or duplicate passport in case of a lost passport

Compensation for death or permanent disability due ​to an accident, while riding as a passenger in a common carrier

​Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days​

Emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness, injury or death

Expenses incurred if you miss a connecting flight due to a delay of more than 3 hours

Facility to provide you emergency cash in case you lose travel funds due to theft

Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property​​

Accidental bodily injury during the trip

Emergency expenses made for medical evacuation to India

Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters

Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise

Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters

Insurance against burglary in your home, while you are travelling abroad

Special distress allowance if your plane is hijacked for more than 12 hours

Total loss of your checked-in baggage by a common carrier​ ​

What does th​e policy ​not​ cover​​

As much as we would like to cover all possible risks, certain situations are just not feasible. We like to maintain complete transparency with our customers. So here's what we don't cover in our travel insurance policies: -

1.Life-threatening conditions are covered only if they arise from disclosed pre-existing diseases, which are mentioned in the travel insurance policy schedule, for people up to 70 years of age. Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered. So make sure to declare all pre-existing diseases while taking the travel insurance policy.

2. Expenses incurr​ed due to any of the following con​ditions:

Suicide

Self-inflicted injuries or illnesses

Mental disorder

Anxiety, stress or depression​

Venereal diseases

Alcohol/drug abuse

HIV/AIDS

3. Expenses incurred if you're...​

Traveling agai​nst the advice of a physician.

Receiving or are on a waiting list for specified medical treatment.

Travelling to receive treatment abroad.

Have been given a terminal prognosis for a medical condition.

4. Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities.

5. Loss of checked baggage - no partial loss or damage shall become payable

6. War or nuclear threat in the country where you're travelling​​​

Learn more about why you need travel insurance.​

*​Above mentioned rates are exclusive of taxes​​​​​​. Calculation of premium is for a medical sum insured of $25,000 for an Individual of 26 years on an Asia trip of 4 days. ​Calculation of premiums for Austaralia and London has been done for a medical sum insured of $50,000 for an individual of 26 years travelling for 4 days. ​No medical check-up ​till​ the age of 90 years.​ For more details on risk factors,​ ​terms conditions, brochure, and exclusions, please read the policy wording carefully before concluding a sale.​

*T&C apply. D​etails mentioned here are for Reliance Travel Care Policy. UIN: RELTIOP08002V010708​.

​

​​​​Want to extend your trip? Take a look at this-​​

​If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form​ ​with Good Health Declaration form & visit the nearest branch.​

​​We offer ov​erseas travel insurance for various d​estinations around the world. Click here to know more about travel ​insurance for different countries.​​​​​​​​​

​ ​​​

Travel Insurance Articles

Interesting Travel Reads

​ ​​

Overseas Travel Insurance FAQ

Overseas Travel Insurance Reviews and Ratings

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Each destination you travel to is different, so why should your travel insurance plan be the same?

We, at Reliance, understand this and bring you specific international travel insurance plans designed for Asia, Schengen countries, Annual Trips, Senior Citizens & Overseas trips, which you are probably aware of by now.

To know more about these travel insurance plans, continue reading or call us on 1800 3009 (Toll free).

To get your travel insurance premium, fill in the quote form now

​Off to discover gorgeous locations in Asia? Definitely consider getting the Reliance Travel Care - Asia Policy. As the names suggests the Asia Travel Insurance policy is designed specifically for travelers wandering around Asia.

Get your travel insurance with zero paperwork and an affordable premium.

Convenient facilities like

cashless hospitalisation

in-patient and out-patient hospitalisation

cover for expenses due to lost passports or check-in baggage

cover for missed, delayed or cancelled flights

Coverage of pre-existing ailments in case of life threatening situations

Coverage available for all countries in Asia, except Japan for which you can get covered under the overseas travel insurance plan

Quick and hassle-free settlement for your claims

Automated extensions for your policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days)

Instant online policy booking (or on call @ 1800 3009 Toll free)

​Compare different Asia Travel Insurance Plans​

​​

The Reliance Travel Care - Schengen Policy, as the names suggests is designed specifically for travelers wandering around any of the Schengen countries. Austria, Denmark, France, Germany, Italy, Netherlands and Switzerland are some of the popular Schengen countries.

The features of the Schengen Travel Insurance Policy are:

Zero paperwork and an affordable premium make your holiday quick and easy

Choice of varied travel insurance plans from individual to single policy for the entire family

Convenient facilities like

cashless hospitalisation

cover for expenses due to lost passports or check-in baggage

cover for missed, delayed or cancelled flights

Varied duration of trips, our travel insurance covers trips as long as 182 days and even extend up to 365 days

Minimum sum insured of €30,000, as per the Schengen Visa requirements

Quick and hassle-free settlement for your claims in Euros

Automated extensions for your international travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days)

Instant online travel insurance policy booking (or on call @ 1800 3009 Toll free)

Compare different Schengen Travel Insurance Plans​

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Don't let your age stop you from travelling. With the Senior Citizen Travel Insurance Policy, we aim to make your travel easier. For all the family trips waiting to happen, you can now travel with the older members in your family.

International Travel Policy specially designed for senior citizens between the ages of 61 to 70 years

Varied duration of trips, we cover trips as long as 182 days and even extend up to 365 days

Zero paperwork and an affordable travel insurance premium make holiday planning less stressful

Convenient facilities like

cashless hospitalisat​ion

cover for expenses due to lost passports or check-in baggage

cover for missed, delayed or cancelled flights

Automated extensions for your travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days)

Coverage of pre-existing ailments, especially in case of life-threatening ailments

Instant online travel insurance policy booking (or on call @ 1800 3009 Toll free)

Compare Different Senior Citizen Travel Insurance Plans

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​Do you travel abroad very often? Have you racked up millions of frequent flyer miles? If your answer to both these questions is yes, then you should get our Annual Multi-Trip Insurance Policy​. It offers you coverage for multiple trips in the period of one year, so you don't have to stress about applying for international travel insurance every single time!

A multi-trip international travel insurance policy with a validity period of one year

Varied duration of tr​ips, we cover trips as long as 182 days and even extend up to 365 days

Convenient facilities like

No paper work & medical check-up

cashless hospitalsation

cover for expenses due to lost passports or check-in baggage

cover for missed, delayed or cancelled flights

Coverage of pre-existing ailments in case of life threatening situations

Quick and hassle-free settlement for your claims

Automated extensions for your travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days)

Instant online travel insurance policy booking (or on call @ 1800 3009 Toll free)

Compare different Annual Multi-Trip Travel Insurance Plans​

Education abroad is the norm now. You get new opportunities, new experiences and a sense of independence. What happens if you fall ill and are forced to skip a semester? This is when a student insurance comes into picture. With a Reliance Student Travel Insurance in place that's tailored for students, we got you covered. Here are some key features of the cover that make it a must for every student -

Secure total peace of mind during emergencies

Smooth and hassle-free claim settlements

Customized duration of policy period as per academic course requirements

No medical test required

Coverage of emergency expenses incurred due to sudden illness, injury, death as well as medical evacuation to India

Includes cost for issuing a new or duplicate passport in the event of a loss

Reimbursement of current semester fees( paid) in event of a medical issue disrupting your education

Compensation for death and permanent disability while traveling in a common carrier

Reimbursement of tuition fees in the event of your education sponsor passing away due to an injury​

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Roam the rainbow nation w​​​ith gusto and freedom. A trip to South Africa is incomplete with a safari through the picturesque jungles. So is a trip without a Travel Insurance! With a Reliance Travel package customized for the colorful African nation, ensure you make the most out of your holiday. Check South Africa Travel Insurance from Reliance for hassle free experience.

An adventure to Australia on cards? The island nation awaits you with all its glorious beaches and wildlife. Make a quick detour to New Zealand to enjoy one of the most exotic locations across the globe. Don't forget the kangaroos, kiwis, koalas and the Tasmanian devil along with a Reliance Travel Plan. With this, your trip 'down under' will be secure and trouble-free! Check Australia Travel Insurance​ from Reliance for hassle free experience.

The United Kingdom offers an experience of a lifetime, comprising the culturally rich nations of England, Scotland, Northern Ireland and Wales. Be it the Big Ben, Buckingham palace or the skyscrapers of London. Your holiday will be incomplete without a Reliance Travel Plan for the UK. Check UK Travel Insurance from Reliance for hassle free experience.

The Middle East welcomes you with desert safaris and magnificent skylines. If Burj Khalifa is on your bucket list, pack your bags with a Reliance Travel plan now to secure yourself for the Middle East adventure. Check Middle East Travel Insurance from Reliance for hassle free experience.

Going on a vacation to Latin America? Don't forget to catch the exciting beaches of Rio or the breathtaking Amazon forest. A trip to South America is bound to be full of excitement and thrill. Ensure you stay safe while you are at it with Reliance travel plan. Check South America T​ravel Insurance from Reliance for hassle free experience.​

The US offers a host of brilliant destinations for tourists. Niagara Falls, Mount Rushmore, Statue of Liberty, Disneyland are just a few of them. The Neighbouring Canada is no less with some fantastic tourist attractions that are a must see. Now leave your worries home for the North American tour with a Reliance Travel plan. Check U.S.A and Canada Travel Insurance​ from Reliance for hassle free experience.​

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travel insurance with coronavirus coverage

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international travel insurance with covid cover

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International Travel Insurance: Buy Overseas Travel Insurance Policy Online

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Our toll-free number 1800-3009 is now discontinued. For any assistance, please call us on +91 22 4890-3009 (Paid) ​​​​​​Country Specific Plans Cashless Hospitalization Worldwide Travelling around the world is a thrilling experience. However, no matter how precisely we plan our trip, things tend to go haywire.

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Compare International Travel Insurance - Find the Best Plan from Reliance General Insurance

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Compare International Travel Insurance - Find the Best Plan from Reliance General Insurance

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Looking for the best travel insurance? Look no further! Reliance General's Overseas Travel Plan Comparison tool lets you compare international travel insurance policies so you can find the perfect fit for your trip.

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In order to get the best international travel insurance plan, it is helpful to compare travel insurance plans online, which will help you determine the best one. Above table will assist you in this regard.

How to Compare Travel Insurance and buy the Best Overseas Travel Insurance Wisely

​Many of us fall into the trap of considering travel insurance as just another formality before travelling. However, it is unwise to do or think so. This might cause you to land in a situation wherein the travel insurance cover falls short leading to distress, both financially and mentally. Thus, make sure you consider a number of factors while you compare travel insurance plans before signing on the dotted line. Don't forget that travel insurance comparison will make you understand the policy more clear.

Destination: The risks you are exposed to vary depending on the country/location you are visiting. Thus, it is important to choose the right amount/type of coverage accordingly. For instance, a travel insurance cover for a trip to Japan, which is prone to earthquakes, is going to cost you more as compared to say, Singapore.

Medical cover: As a general rule of the thumb, medical coverage is the most integral aspect of any travel insurance policy. Typically, the cost of medical expenses is pretty high in western nations such as the US and Canada. Hence, it is advisable that you choose an appropriate sum insured amount considering the country you are travelling to.

Baggage and personal items cover: Typically, a travel insurance policy covers loss of checked-in baggage at the airport. Make sure you check the policy wordings for the details as well as the exclusions. It also covers personal items up to pre-defined limits depending on the travel insurance company and the selected plan. Additionally, the policy covers loss of passport, which translates into assistance for issuing a duplicate/new passport.

Sports and Adventure activities: Due to high risk perception, adventure sports and related activities are not generally covered in a travel insurance policy. That said, if it is imperative, with an add-on request you can avail such coverage, which would entail a rise in your travel insurance premium.

Flight cancellation cover: With this cover, you will get the cost of flight tickets refunded upon flight cancellation due to reasons such as bad weather. For a better understanding of the inclusions and exclusions, go through the travel insurance policy thoroughly.

Benefits: The number and the degree of benefits offered by an overseas travel insurance policy​ vary across different policies. Thus make sure to compare travel insurance policies to avail the best travel insurance plan offered, which covers all your requirements.

Pre-existing diseases: If you are having a pre-existing medical condition such as diabetes and asthma, it is crucial to make sure you are covered against them. This will secure you from the financial implications if your condition aggravates during the trip and are admitted to a hospital. However, make sure to check the policy wording for exclusions to pre-existing diseases.

Home Cover: With this cover, you would be covered against burglary and theft of house contents while you are away on the trip. This essentially acts as a pseudo home insurance​ for the duration of the trip.

With the above pointers in place, you will be in better position to choose the best travel insurance plan for your next overseas trip. The basic idea is to ensure that you compare travel insurance plans and policies prudently, taking your overseas travel needs and priorities into consideration.

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Compare Travel Insurance Online and Select a Perfect Travel Insurance Policy - Travel Insurance Comparison with Reliance

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In order to get the best international travel insurance plan, it is helpful to compare travel insurance plans online, which will help you determine the best one. Above table will assist you in this regard. ​Many of us fall into the trap of considering travel insurance as just another formality before travelling.

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Protect Yourself with Reliance General Insurance - Buy Cover for Passport Loss

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Protect Yourself with Reliance General Insurance - Buy Cover for Passport Loss

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Reliance General's Overseas Travel Insurance policy offers cover for passport loss. So, if you lose your passport while travelling overseas, you can be assured of getting financial assistance.

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​​​​​​​​​Does Your Travel Insurance Cover Passport Loss?​​​

At the point when your identification proof like a Passport is lost or stolen and you're getting prepared to leave on your excursion, that misfortune could spell debacle for your touring arrangements.In the event that you can't get a substitution in time of your excursion or your trek home, you could be confronting a major misfortune. Here's the manner by which travel Insurance​ can get your travel and passport loss covered. But how can you buy the Reliance Travel Insurance Policy? ​

​You can just click on Reliance Trave​l Insurance Policy​ or Make a call on +91 22 48903009​ number to buy Travel Insurance policy. With this policy you can derive the below benefits:

1. ​​​ No paperwork and an affordable prem​ium to make your holiday quick and easy

2. Now insure your dream vacation starting @ Rs.306/-* only!

3. Choice of varied plans from individual to single policy for the entire family

4. ​Post-flight trip intrusion advantages will be covered to make up for lost time to your secured outing due to the loss of Passport whilst traveling.

Reliance Travel insurance is exceptionally handy when your Passport is lost or stolen and you have to arrange for a replacement!

Basically, there are two principle s to be mindful of when making a case because of a lo st or stolen p assp ort :

A claim for a stolen or lost Passport must be substantiated by a police report.

A case to be repaid for the expenses to supplant your lost or stolen travel permit must be went hand in hand with a paid receipt to substantiate the case.​

​Then you may make a call to Reliance General Insurance and let them know the circumstance. The travel help administration agents will help you discover neighborhood law implementation, so you can make a report (ensure you get a duplicate!) on the off chance that it was stolen. They'll likewise help you locate a neighborhood government office where you can get your lost or stolen travel passport replaced.​

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Cover For Lost Passport Insurance | Reliance Travel Insurance

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​​​​​​​​​ Does Your Travel Insurance Cover Passport Loss?​​​ At the point when your identification proof like a Passport is lost or stolen and you're getting prepared to leave on your excursion, that misfortune could spell debacle for your touring arrangements.In the event that you can't get a substitution in time of your excursion or your trek home, you could be confronting a major misfortune.

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Buy Affordable Multi-Trip Travel Insurance Online | Reliance General Insurance

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Buy Affordable Multi-Trip Travel Insurance Online | Reliance General Insurance

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Reliance General's Annual Multi Trip Insurance is perfect for those who travel frequently. It offers comprehensive protection at an affordable price.

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​

​​​​​​​​​No medical
check-up​

Covers lost passport & baggage ​
​​ ​

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​Are you a travel enthusiast? Does your job include multiple trips abroad? If your answer to any of these questions is yes, then you should consider switching to Annual Multi-Trip Travel Insurance Plan ​. A huge advantage of this policy is that you are covered continuously and don't have to buy a new policy each time you travel - which is often a last-minute headache.​​​​​

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With annual multi-trip travel insurance, you enjoy a flexible protection for all your trips abroad during a year. The coverage offered with this policy is similar to that of a single-trip travel insurance plan. However, it minimizes the hassle of buying travel insurance for every trip separately. What's more? Switching to annual multi-trip travel insurance is much more economical and will save you an amount of up to Rs. 3400*.​​​

*Calculation of premium for Single Trip Insurance has been derived assuming that an individual who is 40 years old, travelling to 'Worldwide including USA & Canada' for 45 days and for Annual Mutli-Trip​ Travel Insurance is for an individual who is 40 years old, travelling to Worldwide including USA & Canada for 45 days of single trip. ​Above mentioned rates are exclusive of ​taxes. ​The tax rates/benefits mentioned above are subject to changes in the tax laws.

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*Total loss of checked baggage-Maximum amount payable per checked in baggage in case more than one bag has been checked in is 50% (100% for only one checked in baggage) of applicable sum insured and per item in baggage max 10%. ​ ​Click here to view the detailed table of coverage.

​

What does the policy cover?

Frequent flyers, with our annual multi trip travel insurance policy you are insured for all of the following things while you're travelling!

Accidental bodily injury during the trip

Acute anaesthetic treatment of teeth due to an injury

Emergency expenses made for medical evacuation to India

Insurance against burglary in your home, while you are travelling abroad

Special distress allowance if your plane is hijacked for more than 12 hours

Cost of obtaining a fresh or duplicate passport in case of a lost passport

Facility to provide you emergency cash in case you lose travel funds due

to theft

Expenses incurred if you miss a connecting flight due to a delay of more than 3 hours

Compensation for death or permanent disability due to an accident, while riding as a passenger in a common carrier

Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters

Emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness, injury or death

Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise

Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters

If your checked baggage is delayed more than 12 hours, your essential expenses shall be reimbursed. In case of total loss of baggage by the common carrier, we will provide compensation for the same

Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days

Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property

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​​​​​What does the policy not cover?

We have tried and made sure you get the maximum benefits with our travel insurance, unfortunately, you're not covered under the annual multi trip annual travel insurance for the following while you're off discovering the world!

Pre-existing medical conditions, unless it's a life threatening​ condition

Life threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people up ​to 70 years of age. Customers need to declare all pre-existing diseases while taking the policy.

Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered.

Expenses incurred due to any of the following conditions:

Suicide

Self-inflicted injuries or illnesses

Mental disorder

Anxiety, stress or depression

Venereal diseases

Alcohol/drug abuse

HIV/AIDS

Expenses incurred if you're...

Traveling against the advice of physician and have to be hospitalised

Receiving or are on a waiting list for specified medical treatment

Travelling to receive treatment abroad

Have been given terminal prognosis for a medical condition

Any issues faced due to theft or loss of passpo​rt when left unattended or if you don't report the loss to local police authorities

In case of loss of checked baggage, no partial loss or damage shall become payable

War or nuclear threat in the country where you're travelling

​Any emergency financial assistance claims made after you've returned to India

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Buy Multi Trip Travel Insurance | Reliance General Insurance

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​ ​​​​​​​​​No medical check-up​ Covers lost passport & baggage ​ ​​​ ​ ​ ​Are you a travel enthusiast? Does your job include multiple trips abroad? If your answer to any of these questions is yes, then you should consider switching to Annual Multi-Trip Travel Insurance Plan ​.

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Buy Affordable Student Travel Insurance Online | Reliance General Insurance

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Buy Affordable Student Travel Insurance Online | Reliance General Insurance

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Reliance General's Student Travel Insurance is the perfect way to insure your student while they are away from home. Coverage includes trip cancellation, medical expenses, and more.

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Buy Student Travel Insurance | Reliance General Insurance

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International student travel insurance covers all your worries, including emergency hospitalization and loss of checked-in baggage and passport, with quick settlement claims.

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Buy Affordable Senior Citizen Travel Insurance Online | Reliance General Insurance

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Buy Affordable Senior Citizen Travel Insurance Online | Reliance General Insurance

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Looking for a travel insurance policy for senior citizens? Reliance General Insurance offers best travel insurance plans for senior citizens. Get a quote now!

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​​​​​​​​​Instant
Policy Issuance

Covers
Pre-existing diseases ​​

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Our parents have been with us through th​ick and thin. Now in their second innings, it time for you to be there for them. But professional commitments necessitate you being away from them. Considering this, what can be more endearing to your parents than having them at your place and spend quality time? Along with travel insurance, this is the best gift you can give your parents in their twilight years, that too with a simple click. With Reliance Travel Care Policy - for Senior Citizens, bring your parents home!

​ ​

Travellers aged between 61-70 years- ​

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Travellers aged between 71-90 years- ​

​​​​ ​​​​Coverage​

​ Standard (in US$)

​​Medical expenses#

​50,000

​Total loss of checked-in baggage*

​500

​​​Loss of passport

​150

​​​​​​​Personal Accident

​15,000

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What does the ​poli​cy cover?​

Senior citizen travel insurance covers a variety of situations - have a look!

Accidental bodily injury during the trip

Acute anaesthetic treatment of teeth due to an injury

Total loss of your checked-in baggage by a common carrier

Emergency expenses made for medical evacuation to India

Special distress allowance if your plane is hijacked for more than 12 hours

Facility to provide you emergency cash in case you lose travel funds due to theft

Expenses incurred if you miss a connecting flight due to a delay of more than 3 hours

Expenses incurred for the purchase of toiletries, clothing and medication in case luggage is missing for more than 12 hours

Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days

Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters

Insurance against burglary in your home, while you are travelling abroad covered under overseas travel insurance for senior citizens

Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters

Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property

Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death covered under overseas travel insurance for senior citizens

Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise covered under overseas travel insurance for senior citizens

​​

What does the polic​y not cover?​

Here's a list of things your senior citizen travel insurance policy won't cover!

Expenses incurred if you are-

Traveling against the advice of physician and have to be hospitalised

Receiving or are on a waiting list for specified medical treatment.

Travelling to receive treatment abroad

Have been given terminal prognosis for a medical condition

Have been given terminal prognosis for a medical condition Expenses incurred due to any of the following conditions-

Suicide

Self-inflicted injuries or illnesses

Mental disorder

Anxiety, stress or depression

Venereal diseases

Alcohol/drug abuse

War or nuclear threat in the country where you're travelling

Schengen Travel insurance for senior citizens above the age of 80

In case of loss of checked baggage, no partial loss or damage shall become payable

Life threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people upto 70 years of age. Customers need to declare all pre-existing diseases while taking the policy.

Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered.

Any issues faced due to theft or loss of passport when left unattended or if you don't report the loss to local police authorities.

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overseas travel insurance for senior citizens

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Buy Senior Citizen Travel Insurance | Reliance General Insurance

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​​​​​​​​​Instant Policy Issuance Covers Pre-existing diseases ​​ ​​ Our parents have been with us through th​ick and thin. Now in their second innings, it time for you to be there for them. But professional commitments necessitate you being away from them.

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Buy Affordable Senior Citizen Travel Insurance Online | Reliance General Insurance

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Buy Affordable Senior Citizen Travel Insurance Online | Reliance General Insurance

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Looking for a travel insurance policy for senior citizens? Reliance General Insurance offers best travel insurance plans for senior citizens. Get a quote now!

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​​​​​​​​​Instant
Policy Issuance

Covers
Pre-existing diseases ​​

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​

Our parents have been with us through th​ick and thin. Now in their second innings, it time for you to be there for them. But professional commitments necessitate you being away from them. Considering this, what can be more endearing to your parents than having them at your place and spend quality time? Along with travel insurance, this is the best gift you can give your parents in their twilight years, that too with a simple click. With Reliance Travel Care Policy - for Senior Citizens, bring your parents home!

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Travellers aged between 61-70 years- ​

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Travellers aged between 71-90 years- ​

​​​​ ​​​​Coverage​

​ Standard (in US$)

​​Medical expenses#

​50,000

​Total loss of checked-in baggage*

​500

​​​Loss of passport

​150

​​​​​​​Personal Accident

​15,000

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What does the ​poli​cy cover?​

Senior citizen travel insurance covers a variety of situations - have a look!

Accidental bodily injury during the trip

Acute anaesthetic treatment of teeth due to an injury

Total loss of your checked-in baggage by a common carrier

Emergency expenses made for medical evacuation to India

Special distress allowance if your plane is hijacked for more than 12 hours

Facility to provide you emergency cash in case you lose travel funds due to theft

Expenses incurred if you miss a connecting flight due to a delay of more than 3 hours

Expenses incurred for the purchase of toiletries, clothing and medication in case luggage is missing for more than 12 hours

Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days

Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters

Insurance against burglary in your home, while you are travelling abroad covered under overseas travel insurance for senior citizens

Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters

Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property

Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or death covered under overseas travel insurance for senior citizens

Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise covered under overseas travel insurance for senior citizens

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What does the polic​y not cover?​

Here's a list of things your senior citizen travel insurance policy won't cover!

Expenses incurred if you are-

Traveling against the advice of physician and have to be hospitalised

Receiving or are on a waiting list for specified medical treatment.

Travelling to receive treatment abroad

Have been given terminal prognosis for a medical condition

Have been given terminal prognosis for a medical condition Expenses incurred due to any of the following conditions-

Suicide

Self-inflicted injuries or illnesses

Mental disorder

Anxiety, stress or depression

Venereal diseases

Alcohol/drug abuse

War or nuclear threat in the country where you're travelling

Schengen Travel insurance for senior citizens above the age of 80

In case of loss of checked baggage, no partial loss or damage shall become payable

Life threatening conditions covered only arising out of disclosed pre-existing diseases, which are mentioned in the policy schedule, for people upto 70 years of age. Customers need to declare all pre-existing diseases while taking the policy.

Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered.

Any issues faced due to theft or loss of passport when left unattended or if you don't report the loss to local police authorities.

​

​

​

# data[].attributes.attachment_link.keywords[]
overseas travel insurance for senior citizens

# data[].attributes.attachment_link.title
Buy Senior Citizen Travel Insurance | Reliance General Insurance

# data[].attributes.attachment_link.description
​​​​​​​​​Instant Policy Issuance Covers Pre-existing diseases ​​ ​​ Our parents have been with us through th​ick and thin. Now in their second innings, it time for you to be there for them. But professional commitments necessitate you being away from them.

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Reliance General Insurance - Calculate Your Travel Insurance Premium Now

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Reliance General Insurance - Calculate Your Travel Insurance Premium Now

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Reliance General Insurance's travel insurance policy online premium calculator is a quick and easy way to calculate your travel insurance premium. Simply enter your trip details and get a quote in seconds.

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Pre-existing disease

A pre-existing disease is any medical condition, ailment or injury or related condition(s), for which you or the insured person has had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment. We cover them in case of life threatening situations

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Home Calculate Travel Insurance Policy Premium Online | Reliance Travel Insurance

# data[].attributes.attachment_link.description
A pre-existing disease is any medical condition, ailment or injury or related condition(s), for which you or the insured person has had signs or symptoms, and /or were diagnosed, and / or received medical advice / treatment. We cover them in case of life threatening situations