IndusInd (Formerly Reliance) Travel Insurance Review

Overview

IndusInd Travel Care Policy (formerly Reliance General Insurance) is famous for its customizable coverage and comprehensive overseas emergency medical benefits. This is particularly true for travelers visiting the USA, Australia, and Europe.

The policy covers major medical expenses abroad, including hospitalization and dental treatments. It also protects against lost passports, lost checked baggage, trip delays, and cancellations.

At Ditto, we primarily focus on health and term insurance. We firmly believe that once those foundational pillars are in place, you can confidently turn your attention to other products, such as travel insurance.

This IndusInd (formerly Reliance) travel insurance review is ideal for anyone comparing its plans.

Imagine you're on a trip to Europe, and a sudden illness puts you in a hospital for three days. Without travel insurance, you're looking at a bill that could easily run into lakhs. Add a missed flight and a lost passport to that scenario, and a dream vacation turns into a financial nightmare.

Travel insurance exists to protect you from exactly this. If you've been searching for IndusInd travel insurance, you’ve come to the right place. In this article, we'll walk you through IndusInd's travel insurance plans, what's covered, what's not, how to file a claim, and whether it's worth buying right now.

About IndusInd General Insurance (Formerly Reliance General)

IndusInd General Insurance was founded in August 2000 as Reliance General Insurance (IRDAI registration number: 103). According to the FY 2024-25 RGICL Annual Report, the insurer reported a total annual business volume of ₹12,666.81 crore and a solvency ratio of 1.59x.

These metrics apply to the insurer's entire insurance segment, including health, travel, and personal accident insurance.

Note: The company has been undergoing a management transition following Reliance Capital's insolvency resolution and acquisition by the Hinduja Group. The rebrand to IndusInd General is still fairly recent (March 2025), and things are still stabilizing.

Travel Insurance Plans Offered by IndusInd General

Plan Name	Coverage	Key Benefits
IndusInd Travel Care Policy	Offers a sum insured of $50,000, $100,000, $250,000, or $500,000, depending on the chosen variant.	Cashless hospitalization, 24/7 emergency assistance, dental, loss of passport, checked-baggage (total loss + delay), personal accident, personal liability, daily hospital allowance, trip delay, etc.
IndusInd Travel Care Policy Schengen Plan	Offers medical sum insured of €30,000 (Basic) or €50,000 (Standard) while meeting the Schengen requirements. (Valid across all Schengen states).	Cashless hospitalization, 24x7 emergency assistance, dental, loss of passport, checked-baggage (total loss + delay), personal accident, accidental death (common carrier), personal liability, etc.
IndusInd Travel Care Policy Asia Plan	Medical sum insured of $25,000 (Standard) or $30,000 (Silver). Asian countries excluding Japan.	Cashless hospitalization, 24/7 emergency assistance, dental, personal accident, accidental death (common carrier), loss of passport, personal liability, trip delay, checked baggage, etc.
IndusInd Travel Care Policy Corporate Short Term and Annual Multi-Trip	Covers unlimited trips during the policy year with medical sum insured of $100,000 (Standard), $250,000 (Plus), and $500,000 (Elite)	Cashless hospitalization, dental, personal accident, accidental death (common carrier), daily hospital allowance, compassionate visit, loss of passport, checked-baggage (total loss + delay), trip delay, etc.
Senior Citizen Travel Insurance	Ages 61-70, sum insured up to $500,000, but medical is capped per event. Any one illness ($12,000 to $17,500) and any one accident ($20,000 to $35,000), depending on the chosen variant.	Includes cashless hospitalization, pre-existing disease cover (life-threatening emergencies only), accidental death, compassionate visit, and home burglary.
IndusInd Travel Care Policy Student Plan	Provides extensive coverage for students in education, with a sum insured of $50,000, $100,000, $250,000, or $500,000 (depending on the chosen variant).	Cashless hospitalization, dental, loss of passport, checked-baggage total loss, personal accident, accidental death (common carrier), personal liability, bail bond, study interruption, etc.

Note: Senior citizen plans may offer limited pre-existing disease coverage, subject to declarations, plan terms, sub-limits, and policy wording. All figures are the maximum under the top variant of each plan. The lower variants carry a lower sum insured and sub-limits.

Currency: Schengen is denominated in euros (€) while all other plans are in US dollars ($).

Pre-Existing Diseases (PEDs) are covered only in life-threatening emergencies across all plans. Moreover, each plan carries per-section deductibles (e.g., $50 on medical, $100 on baggage).

Coverage and Benefits of IndusInd Travel Insurance

What’s Covered in IndusInd (Formerly Reliance) Travel Insurance

Medical Coverage
The medical coverage under IndusInd Travel Insurance helps cover emergency healthcare expenses abroad, including hospitalization, inpatient care, diagnostic expenses, and other eligible treatments.
Baggage Coverage
The policy may reimburse emergency purchases if checked-in baggage is delayed beyond the specified waiting period and may compensate for the total loss of checked-in baggage. However, any partial loss or damage to hand baggage should be checked carefully against the policy wording before purchase.
Other Journey Coverage
Apart from medical and baggage benefits, IndusInd Travel Insurance also covers several travel disruptions, including loss of passport, trip delays, missed connections, and trip cancellations. Depending on the plan, travelers may also get support through compassionate visit cover, financial emergency assistance, hijack distress allowance, and medical evacuation, helping them manage unexpected logistical and financial stress while abroad.

Benefits of IndusInd (Formerly Reliance) Travel Insurance

The key benefits of IndusInd Travel Insurance are convenience, broad protection, and emergency support during international travel. The policy can be bought online without pre-issuance medical tests, offers plan options for different destinations and traveler types, and includes assistance-led benefits such as 24x7 emergency support and worldwide cashless hospitalization, depending on the selected plan.

What IndusInd Travel Insurance Does Not Cover

General Exclusions

The general exclusions under IndusInd Travel Insurance apply across all benefits and may include claims arising before the policy starts or after it ends, pre-existing diseases, treatment abroad as the main reason for travel, and terminal prognosis.

They may also include participation in military or similar operations, intentional illness or injury, crimes committed by the insured person, drunkenness or addiction, mental disorders, and HIV/AIDS-related conditions.

In addition, claims related to war, civil unrest, terrorism, nuclear contamination, and undeclared professional or semi-professional sports participation may be excluded.

Specific Limitations

Certain benefits also come with specific conditions and limitations. For example, non-declared medical conditions may not be covered, treatment taken without approval from the emergency assistance provider may be rejected, and non-emergency or planned treatments are generally excluded.

Travel-delay or trip-cancellation claims may also not be payable if they arise outside the policy period, result from known events before policy commencement, stem from a personal change of plans, or are submitted without the required documents and proof of delay.

How to File a Claim With IndusInd Travel Insurance

Step 1: Intimate Within 24 Hours

Please report the incident within 24 hours using any of the following channels:

Inland Travel Assistance Helpline: +91 22 4890 3009
International Travel Assistance (While Abroad): +91 22 6734 7843 / +91 22 6734 7844
Travel Assistance Helpline (While in India): 1800 209 5522
WhatsApp (Inland Travel): +91 74004 22200
Email: IndusInd@europ-assistance.in

Ensure you provide all relevant details of the incident when contacting the assistance team.

Step 2: Cashless or Reimbursement

For inpatient hospitalizations abroad, Europ Assistance coordinates directly with the hospital so you don't pay upfront. For outpatient or non-cashless situations, pay the bills yourself, collect all original documents, and submit them within 30 days of the incident or your return to India.

Step 3: Submit Documents

Common documents needed include the completed claim form, a copy of the passport with entry/exit stamps, the ticket/boarding pass, and the original bills. Specific document requirements vary by claim type.

Step 4: Claim Processing

Once all documents are received, IndusInd processes the claims. Claim timelines depend on the submission of complete documents and insurer assessment.

Is IndusInd Travel Insurance Worth Buying?

IndusInd's travel insurance plans are well-structured. The product lineup covers most traveler profiles, and the coverage benefits are comprehensive. That said, the company is still in the midst of a post-acquisition management transition. This kind of change can affect service consistency, and it's worth keeping an eye on how claims and support hold up during this period.

Why Choose Ditto for Insurance?

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Conclusion

IndusInd (formerly Reliance) travel insurance offers solid coverage for most types of travelers, from solo trips to senior citizen plans to student policies.

However, with a management transition still underway, our honest suggestion is to wait and watch. If you do decide to buy, compare it against one or two other established travel insurers, confirm the plan terms directly with IndusInd, and keep the claim helpline handy. A travel insurance policy is only as good as the claim experience, and that's what matters most when you're stuck in a hospital abroad.

Note: At Ditto, we currently only deal in and recommend health and term insurance. If you’d like to learn more about the best health insurance plans in India, check our detailed guide on the same.

Frequently Asked Questions

Is Reliance General Insurance the same company as IndusInd General Insurance?

Yes. IndusInd General Insurance is the renamed version of Reliance General Insurance, following Reliance Capital's insolvency resolution and its acquisition by the Hinduja Group. The company was originally founded in August 2000 under IRDAI registration number 103, and it carries the same registration and underwriting history under its new name. If you bought a policy under the Reliance General brand, it remains active and valid, since the rebrand only changes the company's name and ownership, not your existing coverage terms or claim process.

Why did Reliance General Insurance change its name to IndusInd?

Reliance General Insurance was a subsidiary of Reliance Capital, which went through an insolvency resolution process and was eventually acquired by the Hinduja Group. As part of the broader rebrand of Reliance Capital's insurance businesses, Reliance General Insurance was renamed IndusInd General Insurance, and related entities, such as Reliance Nippon Life, became IndusInd Nippon Life. At Ditto, we'd note this rebrand is still fairly recent, and the company is in the midst of a post-acquisition management transition, so service consistency is worth watching closely.

Is my existing Reliance travel insurance policy still valid?

Yes, your existing policy remains active and valid even after the rebrand to IndusInd General Insurance. Your coverage terms, renewal dates, sum insured, and benefits remain unchanged, and you do not need to take any action due to the name change alone. The claims process, helpline numbers, and assistance partners like Europ Assist also stay the same. The only real change is the company's name and ownership structure, following its acquisition by the Hinduja Group after Reliance Capital's insolvency resolution.

What does IndusInd (formerly Reliance) travel insurance cover?

IndusInd travel insurance covers emergency medical expenses abroad, including hospitalization, inpatient care, and diagnostic tests, as well as dental treatment in most plans. It also covers checked baggage delays and total loss, loss of passport, trip delays, missed connections, and trip cancellations. Depending on the plan you choose, you may also get compassionate visit cover, financial emergency assistance, hijack distress allowance, and medical evacuation. Coverage details and sum insured vary by plan, ranging from $25,000 on the Asia plan to $500,000 on select international and senior-citizen variants.

What is not covered under Indusind Travel Insurance?

General exclusions apply across all IndusInd travel insurance plans, including claims arising before the policy starts or after it ends, pre-existing diseases outside emergencies, treatment abroad as the primary reason for travel, and terminal prognosis. The policy also excludes claims linked to military operations, intentional injury, criminal acts, drunkenness or addiction, mental disorders, and HIV or AIDS-related conditions. War, civil unrest, terrorism, nuclear contamination, and undeclared professional sports participation are excluded too. Always read the specific plan wording, since sub-limits and exact exclusions can vary by variant.

Does Indusind travel insurance cover pre-existing diseases?

Only in very limited cases. Across all IndusInd travel insurance plans, pre-existing diseases are covered only when they result in a life-threatening emergency, not for routine flare-ups or ongoing treatment. Senior citizen plans offer slightly broader pre-existing disease coverage, but this is still subject to declarations, plan terms, sub-limits, and the specific policy wording. If you or a family member has a known condition like diabetes or hypertension, read the exact policy document carefully before assuming it will be covered during your trip.

How do I file a claim with IndusInd travel insurance?

Start by calling the emergency helpline at +91 22 48903009, or messaging on WhatsApp at +91 7666725324 or 7400422200, within 24 hours of the incident. For inpatient hospitalization abroad, Europ Assist coordinates directly with the hospital so you don't pay upfront. For outpatient care or non-cashless situations, pay the bills yourself and submit original documents, including the claim form, a passport copy with entry and exit stamps, and a boarding pass, within 30 days of the incident or of your return to India.

How long does it take IndusInd travel insurance to settle a claim?

There's no fixed turnaround time for claim settlement, as timelines depend on how quickly you submit complete documentation and the insurer's internal assessment process. What matters most is intimating the claim within 24 hours of the incident and submitting all required documents, such as original bills, the claim form, and passport copies with entry and exit stamps, within 30 days of returning to India or of the incident itself. Incomplete or delayed documentation is the most common reason claim processing takes longer than expected.

Last updated on: 23 Jun, 2026

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