Does it cover emergency medical treatment?

Eligible emergency medical expenses may be covered within the selected plan limits and policy conditions.

Are pre-existing diseases covered?

Pre-existing conditions may be excluded under the medical-expense section. Review the applicable policy wording for exact terms and any specific provisions.

Does it cover medical evacuation and repatriation?

The policy wording describes applicable evacuation and repatriation benefits, subject to conditions, assistance procedures and limits.

Can I claim for lost baggage?

Selected baggage-loss or delay benefits may apply. Carrier reports, evidence, limits and exclusions must be satisfied.

Does the policy cover passport loss?

A passport-related benefit may be available under the selected policy. Check the schedule for its scope and limit.

The premium depends on age, trip duration, destination and selected cover. Obtain a current quotation from Reliance General.

Where can I read the policy wording?

Use Reliance General’s official Schengen policy wording and prospectus. Review the issued schedule before relying on any benefit.

Reliance General Schengen Travel Insurance: Coverage & Review

Schengen Travel Insurance Overview

Reliance General Schengen Travel Insurance is a destination-specific option under the Reliance Travel Care Policy. It is intended for eligible travellers visiting countries in the Schengen Area and offers protection against specified medical emergencies and selected travel-related losses during the insured trip. Benefits described in the Schengen policy wording include eligible medical expenses, repatriation, personal accident, baggage-related losses and passport-related expenses, subject to the chosen cover and policy conditions. Schengen visa applicants generally need travel medical insurance that meets the applicable visa requirements, including at least EUR 30,000 in medical coverage, valid for the required territory and the full intended stay. The traveller must verify the current consulate requirements and ensure that the issued policy certificate satisfies them. Actual limits, deductibles, exclusions and eligibility are determined by the issued policy schedule and current wording.

Travel protection designed for Schengen trips, subject to policy terms and visa requirements

Expert Review of Schengen Travel Insurance

The primary reason to consider a Schengen-specific travel policy is to address the travel medical insurance requirement associated with a Schengen visa while protecting against eligible emergencies abroad. The policy wording describes medical and travel-related benefits, but the exact scope depends on the purchased option and schedule. Before purchasing, verify that the medical limit meets the visa authority’s current requirement, the policy covers every Schengen destination on the itinerary and the dates span the entire required stay. Review emergency hospitalisation, medical evacuation, repatriation, baggage and passport benefits, along with deductibles and exclusions. Do not assume that every travel-related loss is reimbursed or that every benefit has the same limit. Obtain a current quotation and policy certificate from Reliance General before submitting a visa application.

Pros

Designed specifically for eligible travellers visiting Schengen destinations.
Provides eligible overseas medical-expense protection subject to selected limits.
Describes repatriation and emergency-related benefits in the policy wording.
Selected variants include baggage and passport-related benefits.
Can help applicants arrange travel medical insurance documentation for a Schengen visa.

Cons

Premium depends on destination, trip duration, age and selected cover.
The issued certificate must meet current visa requirements for the entire intended stay.
Medical benefits remain subject to exclusions, deductibles and sub-limits.
Not every benefit is available under every policy option.
Claims require compliance with policy terms and applicable evidence requirements.

About IndusInd General (Insurer Profile)

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.

Schengen Travel Insurance Features and Benefits

Emergency medical expenses

Eligible medical expenses for covered illness or injury arising during the insured Schengen trip.

Check the issued schedule for the medical sum insured, deductible and sub-limits. Visa requirements must be met by the actual certificate.

Medical evacuation and repatriation

Eligible emergency transportation and repatriation benefits where the policy conditions are satisfied.

Medical necessity, assistance-provider procedures and applicable limits govern claims.

Repatriation of mortal remains

Specified costs for repatriation of mortal remains following a covered death abroad.

Subject to the policy wording and benefit limit.

Checked-baggage loss or delay

Selected benefits may apply to covered checked-baggage loss or qualifying delay during the insured trip.

Carrier documentation, reporting requirements and sub-limits apply.

Passport loss expenses

Specified expenses associated with loss of a passport may be covered under the applicable benefit.

Police reporting, supporting evidence and the schedule limit may apply.

Personal accident and liability

Selected personal accident and personal liability benefits may be included under the issued plan.

Check benefit availability and limits in the schedule.

Add-ons of Schengen Travel Insurance

Optional benefits

No separate optional add-on is assumed without confirmation in the applicable Schengen plan schedule.

Confirm available extensions and any extra premium with Reliance General.

What Schengen Travel Insurance Does Not Cover (Exclusions)

Conditions or treatments that the policy clearly says it will not cover.

Pre-existing conditions under the applicable medical-expense wording.
Treatment undertaken abroad primarily to obtain medical care, where excluded by the wording.
Non-emergency treatment that falls outside the covered medical benefits.
Expenses exceeding the applicable sum insured or benefit sub-limit.
Specified pregnancy, childbirth or related expenses where excluded by the wording.
Claims arising outside the insured period or outside the covered geographical scope.
Losses that fail applicable claim notification or supporting-document requirements.
Events or activities expressly excluded under the issued policy wording.

Disclaimer: For illustration purposes only - exact terms are in the policy wording.

Schengen Travel Insurance FAQs

What is Reliance General Schengen Travel Insurance?

It is a destination-focused travel insurance option under Reliance Travel Care Policy for eligible travellers visiting Schengen countries. Benefits depend on the issued schedule and wording.

How much medical cover is required for a Schengen visa?

Schengen visa travel medical insurance generally needs at least EUR 30,000 in coverage and must meet the relevant territorial and duration requirements. Confirm current rules with the applicable consulate.

Does the policy cover all Schengen countries?

The plan is intended for Schengen travel, but the certificate and policy schedule should be checked to confirm the territory covered for the complete itinerary.