Religare Online Travel Insurance Visa Features & Details

 explore - International Travel Insurance

Plan Detail	Explore Asia	Explore Africa	Explore Europe	Explore Canada+	Explore Gold	Explore Platinum
Geographical Scope	Asia	Africa	Europe	Worldwide Excluding US	Worldwide/ Worldwide excluding US and Canada	Worldwide /Worldwide excluding US and Canada
Sum Insured (in '000)	US $ 25, 50 & 100	US $ 25, 50 & 100	€ 30 & 100	US $ 50 & 100	$ 50, 100, 300 & 500	$ 50, 100, 300 & 500
Benefit	Deductible
Hospitalization Expenses	Yes	Yes	Yes	Yes	Yes	Yes
In-patient Care	US $ 100/€ 75	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI
Life Threatening Condition for PED	US $ 100/€ 75	10% of SI	10% of SI	10% of SI	10% of SI	10% of SI
Additional SI for Accidental Hospitalization	US $ 100/€ 75	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI	Yes, up to 100% SI
Out-patient Care	US $ 100/€ 75	20% of SI	20% of SI	30000	US $ 50,000	US $ 50,000
Daily Allowance?	2 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days	€ 25 per day, max 5 days	US $ 25 per day, max 5 days	US $ 25 per day, max 5 days
Compassionate Visit?	-	-	-	-	-	-
Return of Minor Child	-	-	-	-	-	-
Up-gradation to Business Class?	-	US $ 1,000	US $ 1,000	750	US $ 1,000	US $ 1,000
Dental Expenses	US $ 100/€ 75	US $ 300	US $ 300	US $ 300	US $ 300	US $ 300
Personal Accident	-	US $ 15,000	US $ 15,000	10000	US $ 15,000	US $ 15,000
Common Carrier Accidental Death	-	-	-	-	-	-
Medical Evacuation?	-	US $ 10,000	US $ 10,000	30000	US $ 50,000	US $ 50,000
Repatriation of Mortal Remains	-	US $ 10,000	US $ 10,000	30000	US $ 50,000	US $ 50,000
Trip Cancellation & Interruption?	-	US $ 1,000	US $ 1,000	750	US $ 1,000	US $ 1,000
Trip Delay?	12 hours	US $ 500	US $ 500	300	US $ 500	US $ 500
Loss of Checked-in Baggage?	-	US $ 100	US $ 100	100	US $ 100	US $ 100
Delay of Checked-in Baggage?	12 hours	US $ 100	US $ 100	100	US $ 100	US $ 100
Loss of Passport?	-	US $ 300	US $ 300	250	US $ 300	US $ 300
Personal Liability	US $ 100/€ 75	US $ 100,000	US $ 100,000	75000	US $ 100,000	US $ 100,000
Trip Options
Single Trip	Yes	Yes	Yes	Yes	Yes	Yes
Multi Trip (Policy will be on annual basis)	No	No	No	No	Yes	Yes
Trip Duration (days)
Minimum	2	2	2	2	2	2
Maximum (Single Trip)	365	365	365	365	365	365
Maximum (Multi Trip)	-	-	-	-	45 or 60 days	45 or 60 days
Entry Age - Single Trip
Minimum	1 day	1 day	1 day	1 day	1 day	1 day
Maximum	No Age Bar	No Age Bar	No Age Bar	No Age Bar	No Age Bar	No Age Bar
Entry Age - Multi Trip	-	-	-	-	Yes	Yes
Minimum	-	-	-	-	1 day	1 day
Maximum	-	-	-	-	70 years	70 years
Sub-limits applicable (For age 61 years and above) As per Appendix	Yes	Yes	No	Yes	Yes	No
Family Option*	Yes	Yes	Yes	Yes	Yes	Yes

What is not covered?

Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.

War and Nuclear perils or consequences thereof

Ionising Radiation or contamination arising out of the same

Any intentional self-injury, suicide or attempted suicide

Any claim relating to hazardous activities

The insured being involved in Breach of law

HIV/AIDS

FAQs

What if you cut short your trip?

No worries we can take care of that.

• Your policy can be cancelled and premium will be refunded if difference Between the date of arrival of insured and end date of policy is 15 days or more. (Cancellation charges ` 300 would be deducted)

• No cancellation will be allowed if a Claim is filed on the policy. Review your decision (only if policy is for 1 year) We have your best interests at heart and at the same time recognise that you know your needs best. Hence, after purchasing the policy, if you find it unsuitable, you can cancel and return the policy to us. Our policies come with a free-look period of 15 days from the date of receipt of policy.

What if you are a FREQUENT FLYER?

You can opt for multi trip policy if you are a frequent flyer. There are two options to choose from –

• Multi Trip with maximum 45 days per trip

• Multi Trip with maximum 60 days per trip

Choose your policy duration as per your needs In case of single trip, you can opt for a policy period up to a max. of 365 days or max. trip duration as specified under each plan. Also, if you wish to extend your policy, you can do it for a max. duration of 365 days by logging on to https://www.religarehealthinsurance.com/HP/SATYENDRAKUMARGUPTA (extension only available if policy period is less than 365 days)

What if you’re down with severe malaria but your son has to return to school?

Return of Minor Child: Covers the return cost of your minor child to your home location, in case you’re hospitalized and travelling alone with your child/children.

What if you fractured your back/spine and can’t travel economy class?

Up-gradation To Business Class: Compensates for up-gradation to business class for return air travel, in case of hospitalization for over five consecutive days, due to injury sustained whilst on a trip.

What if you want your mom to visit you while hospitalized?

2-way Compassionate Visit: Covers transportation expenses for one immediate family member to travel to the insured’s current location.

What if you wish to make a phone call to your spouse often while hospitalized?

Daily Allowance in case of Hospitalisation: Pays for (a specified amount per day of stay at the hospital) numerous allied expenses such as attendant’s meals, transportation and communication incurred but not covered under your Policy.

What if you dropped your heavy suitcase fracturing an old woman’s foot?

Personal Liability: Covers expenses against legal liability for bodily injury or property damage occurred accidentally to third parties during your trip.

What if you can’t find your passport?

Loss of Passport: Covers expenses for the issue of a new or duplicate passport.

What if regaining your Checked-In Baggage becomes a concern?

Loss of Checked-In Baggage: Covers expenses for your checked-in baggage that you lost while in custody of the Common Carrier. Delay of Checked-In Baggage: Covers expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.

What if a technical glitch caused your flight to be delayed?

Trip Delay: Covers expenses incurred if your departure is delayed beyond 12 consecutive hours due to specified reasons/issues.

What if you cancelled your trip because of a Tsunami?

Trip Cancellation & Interruption: We cover financial loss incurred out of cancellation of your trip due to an unforeseen event arising due to specified man made or natural situations.

What if you have a painful fall during your adventure trek and end up with missing teeth?

Dental Expenses: Covers dental expenses incurred in connection with any injury while on your trip.

What if the vehicle you are travelling in met with an accident?

Personal Accident: Covers any unfortunate situation arising out of an accident, death or permanent total disability, while you’re travelling abroad. What if the aircraft you’re travelling in is involved in a mid-air mishap? Common Carrier Accidental Death: Lump sum payment of Sum Insured in case of accidental death as a passenger on a common carrier/transport.

What if you have a medical emergency while mountain climbing during your trip?

Medical Evacuation: Covers all costs incurred for any emergency transportation and evacuation services, to transfer you to an appropriate medical facility within our network.

What if you contracted severe viral during your trip?

Medical Cover: Covers your hospitalization or treatment if during your travel you are diagnosed with an illness, or any previous illness reoccurs. In case you require further treatment even after your return, expenses for the same will be covered up to a period of 30 days or up to policy end date, whichever is earlier. What’s more! In case of accidental hospitalization, your policy Sum Insured is doubled.




Please call on #9811362697 for more details or click link to buy online.

PPF vs KVP vs Post Office vs Senior citizen Savings

PPF, KVP, Post Office, Senior citizen savings, Sukanya Samriddhi Interest Rate

Interest rate on Public Provident Fund (#PPF) scheme will be cut to 8.1 per cent for the period April 1 to June 30, from 8.7 per cent, at present.

Interest rate on #KVP will be cut to 7.8 per cent from 8.7 per cent, according to a Finance Ministry order.

Interest rate on Post Office savings has been retained at 4 per cent, the same for term deposits of one to five years has been cut.

Five-year National Savings Certificates will earn an interest rate of 8.1 per cent from April 1 as against 8.5 per cent, at present.

Kisan Vikas Patra or #KVP that currently provides for doubling of principal in 100 months (8 years and 4 months) will now be doubled in 110 months (9 years and 2 months) after the interest rate revision.

A five-year Monthly Income Account will fetch 7.8 per cent as opposed to 8.4 per cent now. Girl-child saving scheme, Sukanya Samriddhi Account will see interest rate of 8.6 per cent as against 9.2 per cent.

Senior citizen savings scheme of five-year would earn 8.6 per cent interest compared with 9.3 per cent.

Post Office term deposits of one, two and three years command an interest rate of 8.4 per cent but from April 1, a 1-year time deposit will get 7.1 per cent, 2-year time deposit will earn 7.2 per cent and 3-Year time deposit will attract interest of 7.4 per cent. Five-year time deposit will fetch 7.9 per cent interest in the first quarter as against 8.5 per cent while the same on five-year recurring deposit has been slashed to 7.4 per cent from 8.4 per cent.

LIC New Jeevan Pragati Table no 838 Details

This is a non-linked, with-profits Endowment Assurance plan. The main feature of this Jeevan Pragathi 838 plan is the ‘sum assured on death’ (part of death benefit) automatically increases after every five years during the term of the policy.

Key Features & Eligibility Conditions of LIC Jeevan Pragati Plan

ELIGIBILITY CONDITIONS AND RESTRICTIONS

• Minimum Basic Sum Assured (payable on maturity) : Rs. 1,50,000/-
• Maximum Basic Sum Assured : No Limit (Maturity Sum Assured shall be in multiple of Rs. 10,000/- only)
• Minimum Policy Term : 12 years
• Maximum Policy Term  : 20 years
• Minimum Age at entry for Life Assured : 12 years (completed)
• Maximum Entry Age : 45 years (nearer birthday)
• Maximum Age at Maturity for Life Assured : 65 years
• Premium payment mode : Yearly, half-yearly, quarterly & monthly.
• Accidental Death & Disability Benefit Rider is available on payment of additional premium.
  • Minimum Accident Benefit Sum Assured is Rs 10,000
  • Maximum Accident Benefit Sum Assured is an amount equal to the Basic Sum Assured subject to the maximum of Rs 1 cr.
  • Minimum entry age for the rider is 18 years

Benefits under LIC’s Jeevan Pragati policy

• Death Benefit under Jeevan Pragati Plan : On death of the Life Assured during the policy term, the Death Benefit  which is ‘Sum Assured on Death’ + Vested Simple Reversionary Bonuses + Final additional bonus, if any, shall be payable to the nominee. The Sum assured on death automatically increases every fiver years. Where “Sum Assured on Death” is defined as the higher of  a) 10 times of annualized premium (or) b) Absolute amount assured to be paid on death, which is as under;
  • i) During the first five policy years : 100% of the Basic Sum Assured.
  • ii) During 6th to 10th policy years : 125% of the Basic Sum Assured.
  • iii) During 11th to 15th policy years : 150% of the Basic Sum Assured.
  • iv) During 16th to 20th policy years : 200% of the Basic Sum Assured.
• Maturity Benefit payable under LIC Jeevan Pragati Policy : On survival to the end of the policy term, the maturity benefit which is ‘Sum Assured on Maturity’ + Simple Reversionary Bonuses + Final Additional bonus (FAB) if any, shall be payable to the policy holder. Sum Assured on Maturity is equal to Basic Sum Assured.
• Final Additional Bonus shall not be payable under paid-up policies..
• The Bonuses shall be declared on the Basic Sum Assured.
• The date of commencement of risk under Jeevan Pragati plan will be immediately from the date of issuance of policy.

MODE OF PREMIUM PAYMENT:

  The modes of premium payment allowable are Yearly. Half Yearly. Quarterly, and Monti (ECS only or through salary deductions).

GRACE PERIOD FOR PAYMENT OF PREMIUM:

• A grace period of one calendar month but not less than 30 days will be allowed for Quarterly, Half Yearly  and Yearly premium paid and 15 days for monthly mode of payment.
• If the death of the Life Assured occurs within the grace period but before the premium then due, the policy will be treated as in-force and the benefits will be paid deduction of the said unpaid premium and also the unpaid premiums falling due before next policy anniversary
• If premium is not paid before the expiry of the days of grace, the policy lapses.
• If the Policy has not lapsed and the claim is admitted in case of death under the where the mode of payment of premium is other than yearly, unpaid premium(s).
• The above grace period will also apply to rider premium as the rider premium is to be along with the premium of the base plan.

REBATES:

The rebates for base plan are as under:

Mode Percentage

• Yearly mode : 2% of tabular premium
• Half-yearly mode : 1% of tabular premium
• Quarterly and monthly mode : NIL

High Basic Sum Assured Rebate:

• 1,50,000 to 2,90,000 : Nil
• 3.00,000 to 4,90,000 : 1.50 % B.S.A
• 5,00,000 to 9.90.000 : 2.00 % B.S.A
• 10.00.000 and above : 2.25 %° B.S.A
• BSA –  Basic Sum Assured

Lic Jeevan Pragati Plan 838

LIC New Jeevan Pragati Payment Plan 838 Details

Lic New Jeevan Pragati Plan Table 838 Features

Lic Jeevan Pragati Plan 838 Premium Calculator

Other Plans :   LIC Jeevan Anand Policy Table 815, LIC New Endowment Plan 814

LIC vs PPF & LIC Jeevan Anand Vs PPF Comparison

LIC Jeevan Shikhar Single Premium Plan 837 Features

LIC Jeevan Shikhar Plan 837 Features and Benefits

Plan 837 Jeevan Shikhar is extended up to 9th May  2016.

Jeevan Shikhar is a single premium plan wherein life assured will have an option to choose the amount of Sum Assured and the premium payable shall depend on the chosen amount and entry age of life assured.

Features

• Minimum Entry Age of Life Assured : 6 years (completed)
• Maximum Entry Age of Life Assured : 45 years (nearer birthday)
• Sum Assured on Death : 10 times of tabular single premium
• Minimum Maturity Sum Assured  : Rs.1,00,000/-
• Maximum Maturity Sum Assured : No Limit (Maturity Sum Assured shall be in multiple of Rs.20,000/- only)
• Policy Term : 15 years
• Premium payment mode : Single premium only

Death Benefits

On Death during the First 5 years of Policy

Before the Commencement of Risk:  In case life assured dies before the commencement of the risk, single premium amount without any interest will be refunded to the nominee.

After the Commencement of Risk: In case life assured dies after the risk is commenced, an amount equal to 10 times of tabular single premium will be payable to the nominee.

On Death after first 5 but before maturity of the Policy

In case life assured dies after first 5 years of policy but before maturity of the policy, an amount equal to 10 times of tabular single premium along with Loyalty Additions, if any, will be payable to the nominee.

Maturity Benefits

On life assured survives throughout the policy term, than Sum Assured on Maturity along with Loyalty Additions, if any, shall be paid.

LOAN: Loan facility shall be available under the plan at any time during the policy term after. 3 months from the date of acceptance of risk or after expiry of the free-look period, whichever is later. Depending on the age at entry, the maximum loan that can be granted as a percentage of surrender value for different policy terms are as under:

Policy year	Maximum Loan Amount as a % of surrender value for age at entry <=35	Maximum Loan Amount as a % of surrender value for age at entry >35 years.
*3 month  to 3rd	55%	35%
4th  to 6th	65%	50%
7th  to 9th	75%	70%
10th  to 12th	80%	80%
13th to 15th	85%	85%

*3 month means loan can be availed after three months from Date of acceptance of risk or after expiry of the Free-look period, whichever is later.

SURRENDER VALUE:

The policy can be surrendered at any time during the policy year.  The Guaranteed Surrender Value allowable shall be as under:

·         First year: 70% of the Single Premium.

·         Thereafter: 90% of the Single Premium.

Single Premium mentioned above shall not include any extra amount if charged under the policy due to underwriting decision and taxes.

The Corporation shall pay Special Surrender Value as applicable as on date of surrender provided the same is higher than Guaranteed Surrender Value.

If the policy is surrendered after completion of five policy years applicable Loyalty Addition, if any, shall also be payable.

Tax: Statutory Taxes, if any, imposed on such insurance plans by the Govt. of India or any other constitutional tax Authority of India shall be as per the Tax laws and the rate of tax as applicable from time to time.

The amount of  Service Tax payable as per the prevailing rates shall be payable by the policyholder on single premium including extra amount if charged under the policy due to underwriting decision, which shall be collected separately over and above in addition to the premium payable by the policyholder. The amount of Tax paid shall not be considered for the calculation of benefits payable under the plan.

Other conditions and policy features

Policy can be surrendered at any time during the policy term: First year- 70% of Single Premium, Thereafter-90% of Single premium

1. Loan facility is available under this plan, after 3 months of the issuance of the policy.
2. Policy can be taken from back date up to same financial year
3. Nomination and assignment in this policy is available.
4. This plan is available for sale up to 31/03/2016.

 

Related Plans :  LIC Single Premium Endowment Plan - 817 , Lic Jeevan Sangam Single Premium Payment Plan Table No 831

LIC JEEVAN LABH Table No 836 ENDOWMENT PLAN

LIC JEEVAN LABH- (T. NO.836) Plan

✅ This is a ltd. Premium Paying non linked with profit endowment plan.

✅ On Death - S.A + BONUS + FAB
SA NOT LESS THAN 105% OF TOTAL PREMIUM PAID AS ON DATE OF DEATH.

✅ Maturity Benefit-
SA ON MATURITY + BONUS + FAB

✅ TR & DAB IS OPTIONAL

✅ Min Age @ entry- 8 years completed

✅ Max maturity Age-75 nbd

✅ Term & premium paying term -16 (10), 21 (15), 25 (16)

✅ Min SA 2 LAC. Then in multiplication of 10,000.

✅ MAXI. NO LIMIT.

✅ Commencement of risk- immediate.

✅ Modes allowed.
ALL With ECS & SSS.

✅ Loan - yes.

✅ Back dating allowed.

✅ PROPOSAL FORMS 302/342/362 AS APPLICABLE.

LIC Jeevan Labh Premium Chart 

Jeevan Labh Premium Chart