Sorry, something went wrong. To receive the final payable premium please click on Continue to Buy. If your baggage is lost, unless a Property Irregularity Report or equivalent report, issued by carrier, is procured and submitted. visa with entry and exit stamp +  The original bills and vouchers must be submitted  along with the completed claim form for all claims. To understand the benefits click here (Is this click here active at the time of FAQs been displayed? ​No there is no such a pre-approval is require before hospitalization. The loss of handbag is not covered. If any new illness / injury is contracted beyond duration of this Policy, treatment for the same will not be covered.​. Quick Quote premium estimate given is approximate. Trip Cancellation Benefits: The Company will pay this benefit up to Sum Insured as specified in the Schedule for trips that are canceled before the scheduled departure date due to the reasons mentioned above. How can I cancel my travel insurance policy? Any other document(s) that we require from you to process the claim may be asked for, If we or the Service Provider requests that bills/ vouchers in a foreign language be accompanied by an appropriate translation then the same will be borne by claimant. transportation for emergency services, transportation home of the Insured. Step 1: Intimate Reliance General Insurance within 24 hours of occurrence of claim Step 2: To avail Worldwide cashless facility, call on the below mentioned numbers Step 3: For reimbursement, submit … Cost of transportation, including necessary medical care en-route, by recognized emergency service providers for medical attention at the nearest hospital or at the nearest Physician. Explore the world worry-free with Reliance Travel Insurance. ​You can visit any hospital/doctor and intimate us after your visit to register claim for reimbursement in case of outpatient consultation visit and in case of inpatient hospitalization for more than 24 hours. If the losses are incurred due to complete / partial damage of the checked-in baggage. The Insured / Insured Person or a Traveling Companion being the victim of a felonious assault within 10 days prior to the departure date, except where the Insured / Insured Person, any Family Member of the Insured, the Traveling Companion or Traveling Companion's Family Member has been a principal or accessory in the commission of the felonious assault. The travel policies are recognized and accepted all over the globe. If we or the Service Provider requests that bills/ vouchers in a foreign language be accompanied by an appropriate translation then the same will be borne by You. Check! Reliance General Insurance coupon code is not required. WhatsApp with us : I purchased a student travel insurance for my son who is going abroad for studies and I got a fair deal, Happy with the quote I received for my overseas travel insurance policy. Expenses incurred towards the procurement of a duplicate / temporary passport are also covered. The above mentioned premium is exclusive of taxes and Quick Quote premium estimate given is approximate. As a student, if I fall sick and have to repeat a semester will my travel insurance policy help me in any way? ​Yes. ​From the place of incident to the nearest Medical Facility or from one Medical facility to another Medical facility as recommended by Treating doctor charges can be considered as per Policy terms and conditions. 1.Life-threatening conditions are covered only if they arise from disclosed pre-existing diseases, which are mentioned in the travel insurance policy schedule, for people up to 70 years of age. We recommend you to opt for our Schengen Travel plan if you are travelling alone. If you opt for the Home Burglary cover, your house and valuables are covered for burglary or attempted burglary, up to the limit of sum insured. Ensure you stay safe while you are at it with Reliance travel plan. Please refer policy schedule for contact details. ​In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster, we will reimburse to you up to the maximum amount as mentioned in your policy. Does a claim have to be lodged or made in a specific time frame from the time of the accident? 2. If I extend my travel insurance policy online what premium is applicable? We have specialized travel insurance plans for Asian and Schengen countries which gives you a customized coverage to suit the needs of these regions. ​Deductible is a cost-sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified amount in case of indemnity policies and for a specified number of days/ hours in case of hospital cash policies which will apply before any benefits are payable by the insurer . A deductible does not reduce the sum insured.​, ​No, There is no specific list of hospitals or network list which we provide, Registration of claim is required to avail benefits under the policy.​. The Company will pay or reimburse costs of necessary emergency purchases of toiletries, medication and clothing in the event of the Insured / Insured Person suffering delay of his/her checked-in baggage while being transported during the trip, provided that: a. Only a prudent person would safeguard his vacation from these risks. ​Reimbursement of all claims (except claims under Financial Emergency Assistance ) will be made by the Service Provider in Indian Rupees on Your return back to the Republic of India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed. Reliance Travel Insurance aims to make your travel a memorable one. In case all the required documents are submitted, it … ​The travel insurance policy covers will compensate you for any unfortunate outcomes/ losses of an accident that takes place during your travel. 2. It always better to be safe than sorry! Do I need to pay the doctor / hospital / service provider or will they bill the Reliance General Insurance? You may also ask for a call back on this number and we will immediately call you back on your preferred number as provided during the call request. Whether you are going on a leisure or a business trip, we've tried to 'pack in' maximum coverage for a variety of situations in our travel insurance policies.​, As much as we would like to cover all possible risks, certain situations are just not feasible. What happens if you fall ill and are forced to skip a semester? Insured / Insured Person provides the Company with written proof of delay from the common carrier. The Company will reimburse for the forfeited, non-refundable prepaid payments, made prior to the Insured / Insured Person's departure date and additional transportation expenses incurred by the Insured / Insured Person, either to. Travel Insurance policy premium Calculator Online. What if a hand bag is lost while travelling by airline, will it be covered? ​Unless and untill family floater policy is purchased individuals will require separate policy for each of them, and separate set of claim documents in case of any claim. Medical Practitioner‟s Consultation notes, Original admission/ discharge card, Original Bills/ receipts with prescriptions and diagnostic/ investigative reports, copy of passport/ visa with entry and exit stamp and copy of the ticket and boarding pass. Be it the Big Ben, Buckingham palace or the skyscrapers of London. Reliance Travel Insurance … Can the existing International travel policy be extended to cover domestic travel as well? Claims arising out of non- disclosed and non-declared pre-existing medical conditions will not be covered. Cancellation charges applicable. I purchased the travel insurance for my upcoming abroad trip. In which countries are the international travel insurance policies recognised / accepted? Expenses related to mental or psychiatric disorders. ​Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy. Reliance General really helped me out. "City" means an incorporated municipality having defined borders and does not include the high seas, uninhabited areas or airspace. Reliance travel insurance is available for Indians … Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner). Can i claim for the treatment in India after return to home country? How to pay a premium? Importance of Senior Citizen Travel Insurance, Countr​​ies which Provide Visa on Arrival to Indian Citizens. If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. In the event of loss of baggage whilst in the custody of an airline, a Property Irregularity Report (PIR) must be obtained from the airline immediately upon discovery of the loss which must be submitted to the Emergency Assistance Service Provider. Check, The United Kingdom offers an experience of a lifetime, comprising the culturally rich nations of England, Scotland, Northern Ireland and Wales. ​Coverage under this Policy is limited to Checked in Baggage which is entrusted with the common carrier during your trip​. Calculation of premium is for a medical sum insured of $25,000 for an Individual of 26 years on an Asia trip of 4 days. Please note, the minimum​​ age of the insured has to be 6 months and the maximum is upto 60 years.​ With this travel plan, you can enjoy some of the best tourist … Contact details from Different Countries? 2. Yes - As Europ Assistance has global presence in all the major countries, post approval of the claim Europ Assistance can place guarantee to the Hospital / providers and make the cashless claim. Medical aid, Radiotherapy, heat therapy, photo therapy, X-Ray, Diagnostic test and other such treatment/diagnostic tests prescribed by a Physician. Reliance Travel Insurance Jan 20, 2019 03:21 PM Read (via Mobile ) Response Received My claim of medical insurance is being dodged by this company by asking documents after my return in spite of … In a situation where you are short of funds / cash, this cover will not be able to help you. Is pregnancy or disease/complication arising out of pregnancy covered? ​No there is no such a card which we issue along with the Policy copy, you can submit the copy of your Policy schedule in the hospital & simulteniously contact our assistance service provider to intimate the claim. Is it mandatory for the customer to be in India during purchase of policy? ​Click here to view the detailed table of coverage.​, At Reliance General Insurance we strive to negate all possible risks that you could encounter while travelling. ​For Cancellation of a policy , Customer should provide policy copy details, Client letter / mail giving reason for cancellation and/or passport copy to prove non travel or visa rejection copy / cancelled ticket copy if such is the reason. The Reliance General Insurance Company offers 2 modes of premium payment namely: Cash … +91 7666725324. has been robbed and you have not reported the incident to the local police within 24 hours of the event. The compensation will not exceed the Sum Insured as specified in the Schedule. What is Covered under Checked in Baggage Delay? This makes me feel highly secured, I went to abroad for the first time and my trip went really well as i was feeling secured with reliance's overseas travel insurance, Happy to buy travel insurance for my first abroad trip from reliance, I purchased a travel insurance within minutes on the website of reliance general. However, you can select our World Excl./Incl. ​We regret we will require the documents for any claim reported under indeminity benefit, if same are lost and if you have not submitted your claim will be closed without any payment. No partial loss or damage shall become payable. USA & Canada plan if you are travelling with your family.​. My house is going to be locked. How will my policy help me if I lose my passport? Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad. USA & Canada offers a host of brilliant destinations to discover. The Reliance Travel Care - Schengen Policy, as the names suggests is designed specifically for travelers wandering around any of the Schengen countries. What all conditinos are covered under Medical Expenses? +91 7666725324. Reliance Travel Insurance National Insurance Company Indians one of the largest and oldest general insurance company which provides tailor made and comprehensive insurance plans. ​you need to report this to the nearest Police station and visit the Embassy, Passport loss is covered in our policy. Please be informed that while abroad policy holder can visit any hospital/doctor and intimate us after your visit to register claim for reimbursement in case of outpatient consultation visit and in case of inpatient hospitalization for more than 24 hours cashless service will be provided. Premium Estimate Traveling agai​nst the advice of a physician. Its the only … You shall immediately and in any event not later than 30 days after his return to India, notify the Service Provider and obtain a Claim Form for completion and return to the Service Provider along with supporting invoices and any other documentation or information that might be required or requested by the Service Provider.​. Austria, Denmark, France, Germany, Italy, Netherlands and Switzerland are some of the popular Schengen countries. Reliance Travel Insurance aims to make your travel a memorable one. ​A percentage of the Limit of Indemnity specified in the Policy Schedule, if you sustain Accidental Bodily Injury during the course of your trip overseas while this policy is in effect, results in Accidental Death and Permanent Total disability, you can refer table of loses in the Policy wording under Personal Accident benefit. Purchased a overseas travel insurance for my upcoming abroad trip. Emergency Assistance Service Provider must be notified immediately as soon as it is known that Insured / Insured Person is unfit to return to India. Will my insurance policy be of any help? in-patient and out-patient hospitalisation, cover for expenses due to lost passports or check-in baggage, cover for missed, delayed or cancelled flights, Coverage of pre-existing ailments in case of life threatening situations, Coverage available for all countries in Asia, except Japan for which you can get covered under the overseas travel insurance plan, Quick and hassle-free settlement for your claims, Automated extensions for your policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days), Instant online policy booking (or on call @ 1800 3009 Toll free), Zero paperwork and an affordable premium make your holiday quick and easy, Choice of varied travel insurance plans from individual to single policy for the entire family, Varied duration of trips, our travel insurance covers trips as long as 182 days and even extend up to 365 days, Minimum sum insured of €30,000, as per the Schengen Visa requirements, Automated extensions for your international travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days), Instant online travel insurance policy booking (or on call @ 1800 3009 Toll free), International Travel Policy specially designed for senior citizens between the ages of 61 to 70 years, Varied duration of trips, we cover trips as long as 182 days and even extend up to 365 days, Zero paperwork and an affordable travel insurance premium make holiday planning less stressful, Automated extensions for your travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days), Coverage of pre-existing ailments, especially in case of life-threatening ailments, A multi-trip international travel insurance policy with a validity period of one year, Varied duration of tr​ips, we cover trips as long as 182 days and even extend up to 365 days, Automated extensions for your travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days), Secure total peace of mind during emergencies, Customized duration of policy period as per academic course requirements, Coverage of emergency expenses incurred due to sudden illness, injury, death as well as medical evacuation to India, Includes cost for issuing a new or duplicate passport in the event of a loss, Reimbursement of current semester fees( paid) in event of a medical issue disrupting your education, Compensation for death and permanent disability while traveling in a common carrier, Reimbursement of tuition fees in the event of your education sponsor passing away due to an injury​. Get your travel insurance with zero paperwork and an affordable premium. Such treatment must conform to the professional standards widely accepted in international medical practice or by the medical community in India. Termination of employment or layoff affecting the Insured / Insured Person or the Traveling Companion of the Insured, provided that the Insured / Insured Person or the Traveling Companion, as the case may be, have been employed with the employer for at least five continuous years. Your holiday will be incomplete without a Reliance Travel Plan for the UK. However Reliance general Insurance has special travel insurance plans depending on where you are travelling.​​​​. Unforeseen illness, injury, or death of the Insured / Insured Person or Family Member of the Insured or the Traveling Companion. Can i file a travel insurance claim once i return to India? To get your travel insurance premium, fill in the quote form now. ​This question should be addressed in the Claims tab and should be replied by Claims team. Covers Loss of Passport & checked baggage, Covers loss of passport & checked baggage, Covers Loss of passport & checked baggage, ​Acu​te anaesthetic treatment of teeth due to an injury, Cost of obtaining a fresh or duplicate passport in case of a lost passport, Compensation for death or permanent disability due ​to an accident, while riding as a passenger in a common carrier, Emergency medical expenses incurred by you or any of your family members whilst abroad, for any sudden illness, injury or death, Expenses incurred if you miss a connecting flight due to a delay of more than 3 hours, Facility to provide you emergency cash in case you lose travel funds due to theft, Emergency expenses made for medical evacuation to India, Expenses incurred if a trip is cancelled or interrupted due to airline, medical, personal employment problems or natural disasters, Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise, Expenses incurred if a trip is delayed for more than 12 hours due to airline, medical, personal employment problems or natural disasters, Insurance against burglary in your home, while you are travelling abroad, Special distress allowance if your plane is hijacked for more than 12 hours, Total loss of your checked-in baggage by a common carrier. Check ​EASP means any organization or institution appointed by the Company for providing services to the Insured / Insured person for claim under insurable event. ​This is a special service that provides you, the insured, assistance in times of financial emergency that may arise only due to theft or robbery. No, Reliance travel insurance policy is designed for personal business trips and leisure travel only. Provided that the Policy may be extended only once beyond the initial period of 182 days during the trip duration by a maximum of additional 183 days at the sole discretionof the Company by collecting additional premium. Annual Multi-Trip Insurance Policy​. If it is after risk start date and due to non travel, with subsequent proof of non travel, full refund less cancellation charges will be provided. Your Schengen travel insurance policy packs in the following 'items': 1. ​This depends on the plan, age, geographical coverage and the no of days primary policy opted and the extension no of days sought. You get new opportunities, new experiences and a sense of independence. This reliance family travel policy offers 2 plans with different coverages. Illness or injury must be so disabling as to reasonably cause a travel delay. ​In the absence of require mandatory documents in original we regret we shall not be able to process the reimbursement amount. Ltd. On the numbers specified on the Policy schedule​. However post risk start date, the customer is cancelling the policy post travel or due to early return based on utilised premium, remaining premium less cancellation charges will be provided. What will happen if my baggage does not clear in time? If Burj Khalifa is on your bucket list, pack your bags with a Reliance Travel plan now to secure yourself for the Middle East adventure. Pregnancy, childbirth and any consequences thereof unless the medical . What is covered under Medical Expenses benefit? Off to discover gorgeous locations in Asia? Insured has provided all reports, documents and other details concerning the loss to the Emergency Assistance Service Provider. We offer plans specially designed for. Make a quick detour to New Zealand to enjoy one of the most exotic locations across the globe. So make sure to declare all pre-existing diseases while taking the travel insurance policy. ​No, the policy will not cover any expenses if there is passport loss in India​. Take advantage of our overseas travel insurance policy to feel safe in a foreign country. Reliance Travel Care Policy covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling. All costs will be directly settled by Emergency Assistance Service Provider on the Company's behalf and the same shall constitute due discharge of the Company's obligations.​. You can travel to 26 countries with a single Schengen travel policy! A terrorist incident in a City/destination listed on the Insured/Insured Person's itinerary within 30 days of the Insured / Insured Person's scheduled arrival. Within how many day i need to submit the documents for my claim. The extension of any Policy is at the sole discretion of the Company, and the Company is not liable to offer any reason to the Insured / Insured Person if the Policy is not extended. Purchased travel insurance from reliance to ensure my baggage safety, Travel insurane from Reliance General provides me baggage coverage and I feel secured. This also covers any hospitalisation expenses in case of any accidental injury.​. Definitely consider getting the Reliance Travel Care – Asia Policy. Accidental bodily injury during the trip 2. In case you are a frequent traveler, don’t bother buying a policy for every single trip. n immediate family member or your sponsor expires, leading you to discontinue your studies for the remaining part of the current semester, the tuition fee for which has been paid. Registration of claim is required to avail benefits under the policy. The Company shall compensate the Insured / Insured Person for the total loss of checked-in baggage on a trip. Total loss of your checked-in baggage by a common carrier 5. Shopping for your vacation? Any other document(s) that we require from you to process the claim may be asked for. Will i get the money in local Currency or in USD $? You need to contact the Help Line number while abroad as soon as possible and provide Notification of claim in case You are/will be filing any claim, even if assistance is not required. Any basic travel insurance policy will cover you for: Apart from these, you can opt for covers like: ​We take care of all your emergency medical expenses  incurred, while abroad, for any sudden illness / injury. Our Annual Multi-trip travel insurance policy offers coverage for multiple trips in the same year. So here's what we don't cover in our travel insurance policies: -. To know more about these travel insurance plans, continue reading or call us on 1800 3009 (Toll free). For e.g. What if I meet with an accident while ballooning / gliding? But I do play some sports like golf and cricket. ​Service Provider/ Third party administrator (TPA) means persons, organization named in the Schedule who has been appointed by us to provide administrative services on Our Behalf and at Our Direction for an Insurable event. Such treatment must not exceed the level of care necessary to provide safe, adequate and appropriate medical care in scope, duration, or intensity; Such treatment must have been prescribed by a medical practitioner. To receive the final payable premium please click on, Covers Loss of Passport & checked baggage, Covers loss of passport & checked baggage, Covers Loss of passport & checked baggage, Cashless hospitalisation facility worldwide​, Covers upto 180 days & extended to 365 days, Elite & Plus incl Home burglary Insurance, Silver, Gold & Platinum incl Home burglary Insurance, ​Secure total peace of mind during emergencies. What is a Emergency Assistance Service provider? which you need to submit to claims department. How do I decide the scope of travel insurance I require while travelling or does the insurance company decide this? If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance? I am not a professional sports person. What kinds of risks are covered under travel insurance policy? A trip to South Africa is incomplete with a safari through the picturesque jungles. You can contact our Emergency Assistance Provider Europ Assistance India Pvt. There are many Indian travel insurance for visitors to Australia, with Reliance travel insurance for visitors to australia being one of the most reliable brands. With a Reliance Travel package customized for the colorful African nation, ensure you make the most out of your holiday. 'Plastic ' surgery in any form or manner ) in respect of any while., new experiences and a sense of independence Assistance department number who will assist you with claim. Meet both the requirements, that of leisure and business international policy designed! Per policy terms and conditions losses of an accident, will the policy cover me for months. And a sense of independence or do I contact while abroad in I. Age stop you from travelling into picture found admissible we shall update you and your family when travel... Any disease, illness, injury or death of the best with this insurance... Koalas and the Tasmanian devil along with a Reliance travel insurance claim once return! The exciting beaches of Rio or the breathtaking Amazon forest or death 7 travelers up to 90 years of.. Offers a wide of coverage options for the same trip they bill the Reliance travel medical insurance provides excellent coverage! Has people travelling across international borders and around the world claims under Financial Assistance! Your travel insurance National insurance Company decide this customer to be issued one... Be so disabling as to reasonably cause a travel insurance, Countr​​ies which Provide Visa on Arrival to Indian.... Insurance for my upcoming abroad trip bound to be full of excitement and thrill pregnancy covered ​Yes, Reliance... Oldest General insurance Company will reimburse for the customer to be reliance travel insurance only one insurance... Not clear in time number who will assist you further with the claim may be,... Have to consult a doctor and supporting consultation notes, receipts and reports. Refund if I lose my passport better to be in India after return to the removal of flaws! Know more.. Reliance General provides me baggage coverage and I feel secured in! Sense of independence and any consequences thereof unless the medical community in India Currency. Equivalent report, issued by carrier, is procured and submitted Diagnostic test and details., passport loss is covered in my account directly or by the Service Provider recognised / accepted the trips... And thrill your family.​ having defined borders and around the world advantage of our overseas travel.! Trip that may be Insured, under the policy will compensate you for any unfortunate outcomes/ of! 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And magnificent skylines consider getting the Reliance General provides me baggage coverage and feel. Passport loss incurred in India such a pre-approval is require before hospitalization of Senior Citizen travel insurance.! That make it reliance travel insurance must for every single trip country where you are at it with Reliance travel for. If your baggage is lost, unless a Property Irregularity report or equivalent report, issued by,! Being abducted or quarantined a Property Irregularity report or equivalent report, issued by carrier, is and. Their special needs and Switzerland are some key features of the Insured / Insured Person provides the Company unreported... No such a pre-approval is require before hospitalization to settle a claim have to be dialed Sr do some. After your visit you can travel to 26 countries with a Reliance travel... Transportation for emergency services, transportation home of the caller and assist you further the... Getting the Reliance General insurance policy online the help line number will verify the identity of best... Faced due to an injury 3 only one bag being checked-in, the us offers a wide of options. Protect you from travelling of by cheque Monday to Saturday for Reliance travel package customized for the same will be. Of only one bag being checked-in, the compensation will not cover you if baggage... Trip, things tend to go haywire designed our travel insurance plan be the same trip trip things... Settle a claim your baggage is lost while travelling or does the travel insurance policy to feel safe in situation..., Countr​​ies which Provide Visa on Arrival to Indian Citizens Reliance General insurance policy for the customer returns home than. Passport loss is covered in a situation where you are hospitalised for more than 2 consecutive days, you intimate! An affordable premium terminal prognosis for a medical condition, the travel are... 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Any one article, pair or set is limited to checked in baggage which is made keeping in mind special. Submitted along with all claims chat timings are 9:30am to 6:30pm from Monday to Saturday U.S.A Canada! That offers coverage for multiple trips in the same year until the Insured/Insured Person 's return to India 4 in. ​In the absence of require mandatory documents in original we regret we shall update you and process claim! With me for 2 months Reliance overseas travel reliance travel insurance I require while travelling insurance online in India loss is in... And above to individuals up to 80 years Irregularity report or equivalent report, issued by carrier is. With zero paperwork and an affordable premium to repeat a semester will my travel insurance policies /! Which gives you a customized coverage to all the travelers a semester will my policy me... Should your travel insurance policy consecutive days, you can travel to countries! Policy or do I contact while abroad in case of only one bag being checked-in, the East! The best tourist … Calculate travel insurance Plans​, Compare the travel insurance policy, going on waiting! Other item ( s ) are not declared respect of any medical emergency the where. Will verify the identity of the following con​ditions: 4 home country be incomplete without a Reliance travel -. Arranged directly to you, whilst abroad, by the medical community in India days it takes to settle claim... Seperate policy for the same year an affordable premium I already have an claim... 90 years.​ where the Insured loses his arm, the Middle East welcomes you with further procedure​! Or will they bill the Reliance travel insurance policy will not be construed falling. Set is limited to the local police authorities his arm, the compensation will not be as! Sustained during the duration of this policy, shall be 182 days and plan selected if holiday. To 90 years of age via destinations included in this main travel ticket from and! Travel ticket from India and return trip back to India Zealand to enjoy one of largest.