[Resolved]  Reliance General Insurance — TRAVEL INSURANCE

Address:

Delhi

This is just to WARN people how Reliance General Insurance acts in case of Claims.I bought a Travel Insurance for self and wife in May 2010.Our baggage was delayed by Airlines and was delivered after more than 36 hours.The Policy document stated $100 in case Baggage is delayed for more 12 hours.Now some points which People should be made aware of:
1.Reliance has outsourced Claims to Third Party like the Medical Insurance which provides excuse to both to make you shuttle between the two.The two make you go between them.
2.Reliance reply to any complaint is the stereo-typed automated reply irrespective of what you write.
3.There is no information on tel no/email of any official on their website(at least I could not find it).There is a Customer Care # but it will ask you to contact TPA.
4.The Policy was purchased directly from Reliance and they send just the one page Policy Document.In small print it says that it is governed by Terms, Conditions and Exclusions .These are NOT SENT along with Policy Document but Claims are subject to those Terms and Conditions which have different meaning than what someone will understand from the Policy Document.This is the SHOCKER that you will get.
5.In this case the TPA linked the Claim to Emergency Purchases which is not stated on the Policy Document but only as part of Terms,Conditions and Exclusions.HERE LIES THE CATCH.Supposing you do not make any Emergency Purchase then you ARE NOT ENTITLED to any Claim as the Company defends itself by saying that you are INDEMNIFIED AGAINST ANY EXPENSES SUBJECT TO LIMIT BUT NOT ENTITLED TO ANY AMOUNT PER SE AS STATED ON THE DOCUMENT EVEN IF THAT IS NOT MENTIONED ON THE POLICY DOCUMENT.
6.The TPA excuse is that because you CHECKED A BOX stating that you have read the Terms and Conditions you cannot claim ignorance of those Terms,Conditions and Exclusions even if they are NOT SENT to you.Just for information of all it was sent to me after the dispute started and it is a 11 Page Document.

I write all this in detail so that Purchaser’s of any Policy know how they can be deprived of any Claim legitimately and can scratch your head.One last thing-when you buy Family Policy which covers all Family Member’s mentioned on the Policy the amount mentioned under each Head is TOTAL AND DOES NOT APPLY INDIVIDUALLY AS ONE WOULD BE LEAD TO BELIEVE.For individual coverage buy separate Policy and PAY ACCORDINGLY.So there is NO BENEFIT in buying Family Plan.