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Reliance General Annual Multi-Trip Insurance is designed for eligible travellers who make multiple international journeys during a year. Instead of arranging separate travel insurance for every trip, eligible customers can use an annual policy for trips that meet the policy conditions. Depending on the benefits and limits specified in the issued schedule, cover may include emergency medical expenses, hospitalisation-related daily allowance, loss or delay of checked-in baggage, passport loss, trip cancellation or interruption, missed connections and other specified travel risks. The annual policy period does not mean that every trip can continue indefinitely: applicable trip-duration limits, destinations, eligibility conditions, deductibles and benefit limits must be checked before purchase.
One annual policy for eligible multiple international trips
An annual multi-trip policy can be convenient for people who travel internationally several times a year for work, holidays or family visits. Its value depends on how frequently the traveller travels, the destinations visited, the maximum permitted duration of each trip and the benefits included in the issued policy. Compare the annual premium with the combined cost of suitable single-trip policies, while comparing equivalent medical limits and exclusions. Read the rules for pre-existing conditions, emergency assistance, trip cancellation, baggage claims and missed connections carefully. Reliance publishes separate Annual Multi-Trip Plan wording; the actual schedule issued with the policy determines the cover purchased. Do not assume all trip-related losses or all medical expenses are automatically payable.
IndusInd General
Key Insights
Founded
2000
IndusInd General was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
96.8% CSR, calculated as a 3-year average
IndusInd General settles 96.8% of all claims it receives, demonstrating strong credibility.
Contact Details
1800-3009
Headquarters: 6th Floor, Oberoi Commerz, International Business Park, Oberoi Garden City, Off. Western Express Highway, Goregaon (E), Mumbai – 400063, Maharashtra, India.
The annual policy is intended to cover multiple eligible international trips during its policy period, subject to the applicable wording and schedule.
Confirm the permitted trip duration, destinations and any trip-specific conditions before travelling.
Eligible unexpected medical expenses during a covered trip may be reimbursed or covered according to the selected benefits and policy terms.
Review the medical sum insured, deductibles, emergency assistance requirements and medical exclusions.
A daily allowance may be available for qualifying hospitalisation events when this benefit applies under the policy schedule.
Check the qualifying hospitalisation period, payable amount and maximum number of days.
A qualifying loss of checked-in baggage during an insured journey may be covered subject to the policy conditions and benefit limit.
Keep the carrier report and supporting documents required by the insurer.
A benefit may apply when checked-in baggage is delayed for the qualifying period stated in the policy.
The delay threshold, eligible expenses and limit depend on the applicable wording.
Check the quote and issued policy schedule for any selectable benefits or extensions available for the selected Annual Multi-Trip Plan.
An additional benefit is not included unless confirmed in the policy schedule.
Conditions or treatments that the policy clearly says it will not cover.
Insurer
IndusInd General plans and claim process
It is a travel insurance policy designed for multiple eligible international trips during an annual policy period. Each trip must meet the policy conditions and any maximum trip-duration limit.
It may suit people who travel abroad several times a year for business, holidays or family visits. Compare the annual premium and cover with suitable single-trip policies before buying.
The product is designed for multiple eligible trips, but cover remains subject to the policy period, eligibility requirements, destination rules and any maximum duration per trip. Check the issued wording.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official IndusInd General website before purchasing.
Official Website
indusindinsurance.com
Visit the official IndusInd General website for plan brochures, premium quotes and policy services.
The aforementioned ratios have been averaged over three years (FY24-FY26)
The premium depends on the traveller profile, destinations and selected cover. Obtain a quote using the actual travel details; do not rely on an assumed fixed price.
Eligible unexpected medical expenses may be covered subject to the selected medical limit, policy conditions, deductibles and exclusions.
The product information lists benefits for checked-in baggage loss and delay. The qualifying event, required documents, benefit limit and any deductible are determined by the policy wording.
Specified trip cancellation and interruption events may be covered. Cancellation for any reason is not automatically covered; check the list of insured events and required evidence.
A missed-connection benefit may apply where the circumstances meet the policy definition. Review connection-time rules, covered reasons, supporting documents and limits.
Do not assume that pre-existing diseases or related expenses are covered. Read the applicable exclusions and medical conditions in the policy wording before purchasing.
Read the Reliance Travel Care Policy Annual Multi Trip Plan Policy Wording and the schedule issued with your quote. These documents specify the applicable limits, trip conditions, exclusions and claim requirements.