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Reliance Pravasi Bhartiya Bima Yojana

Reliance Pravasi Bhartiya Bima Yojana Insurance Policy

These days every second home has a relative staying outside the country. It is therefore obviously a necessity to ensure the safety of our near and dear ones who stay out of the country to ensure their well being at all times.

Reliance has come up with a very interesting policy for such non resident Indians, for the not so good times in which they can fall in like illnesses and accidents. Its a unique policy that offers exhaustive coverage against different risks that emigrant Indians are exposed to. It covers personal accidents, hospitalization and many more to ensure the safety of such Indians abroad.

Features

Unique policy offering exhaustive coverage against different risks that emigrant Indians are exposed to
Reimburses expenses towards hospitalization of the Insured in his/her country of employment and in India
Medical expenses extension available for family members of the Insured residing in India
Covers maternity expenses of women emigrants
Reimburses expenses incurred for traveling back to India on grounds of the Insured being permanent disabled or adjudged to be medically unfit to continue employment
Provides for reimbursement of legal expenses in a litigation relating to the Insured's employment
Reimbursement of expenses related to covered contingencies can be claimed from country of employment or while in India
Optional additional Personal Accident cover

Policy Coverage

The Reliance Pravasi Bharatiya Bima Yojana Insurance Policy provides the following covers:

Personal Accident

Compensation for accidental bodily injury resulting in death or permanent total disablement of the Insured Person, while he/she is abroad. It can be extended to cover the Insured's family members, residing in India
Provides for reimbursement of expenses incurred for repatriation of the mortal remains in the event of accidental death of the Insured Person whilst abroad
It provides for reimbursement of transportation expenses to India on account of
- Permanent total disability of the Insured Person following an accident
- The Insured Person falling sick or being declared medically unfit to continue working
- It provides for reimbursement of repatriation / transportation expenses to India in the event of termination of contract of employment of Insured Person

Hospitalisation

It provides reimbursement of Hospitalization expenses incurred by the Insured Person in the country of his/her employment or in India, due to any disease contracted or illness suffered or bodily injury sustained due to accident by the Insured Person, whilst abroad.
The Policy also covers maternity expenses for a female Insured Person incurred in a Hospital/Nursing home in her country of employment or in India.

Exclusions

The policy does not cover any expenses or compensation related to

Hospitalisation, death/disablement of the Insured Person arising out of intentional self-injury, suicide or attempted suicide
death/disablement due to the Insured Person being under the influence of intoxicating liquor or drugs or committing any breach of law
Hospitalization, death/disablement due to war and nuclear perils
Pre-existing diseases / illness/ injury
Cost of spectacles and contact lenses, hearing aids etc
External Medical Equipment of any kind used at home as post hospitalization care

The Policy also shall not pay:

if the repatriation of the Insured Person is on account of violation of any law, fraud, or any breach of employment conditions
such repatriation becomes necessary due to any amendment or change in the existing laws of the country of employment, or proclamation by Government Order that all workers of foreign origin are being deported
the employment is obtained through fake or forged documents, work permit or improper entry visa

Reimbursement of legal expenses – The Policy provides for reimbursement of legal expenses incurred by the Insured Person in any litigation relating to his/her employment.