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Overseas Mediclaim Insurance Policy (Employment & Studies)
Travel Insurance Policy
Overseas Mediclaim Insurance Policy (Employment & Studies)
Highlights
Premium payable in Rupees and Claims settled abroad in foreign Currency.
Policy available for frequent corporate travelers
Scope
Medical expenses incurred by the insured persons, outside India as a direct result of bodily injuries caused or sickness or disease contracted are covered.
Following Plans are available:
OMP - BUSINESS AND HOLIDAY (B & H) PLANS
| PLAN | Coverage /Sum insured in US$ | ||||||
| Medical / Repatriation Expenses | P. A. | Loss of Checked in Baggage | Delay of Checked in Baggage | Loss Of Passport | Personal Liability | Deductible | |
| A-1(World wide excluding USA/Canada) | 50000 | 10000 | 1000 | 100 | 150 | 200000 | 100 |
| A-2(World wide excluding USA/Canada) | 250000 | 25000 | 1000 | 100 | 250 | 200000 | 100 |
| B-1(World wide including USA/Canada) | 100000 | 25000 | 1000 | 100 | 150 | 200000 | 100 |
| B-2(World wide including USA/Canada) | 500000 | 25000 | 1000 | 100 | 250 | 200000 | 100 |
| E-1 CFT(World wide including USA/Canada) | 100000 | 25000 | 1000 | 100 | 150 | 200000 | 100 |
| E-2 CFT(World wide in cluding USA/Canada) | 500000 | 25000 | 1000 | 100 | 250 | 200000 | 100 |
CFT Cover is available for Executives of Coporate clients and Partners of registered firms annually subject to the duration of any one trip not exceeding 60 days.
PLAN | Coverage /Sum insured in US$ | |||
| Medical | Repatriation of remains | Reunion Expenses | Deductible | |
| C(Worldwide excluding USA/Canada) | *150000 | 10000 | 5000 | 100 |
| D(Worldwide including USA/Canada) | *150000 | 10000 | 5000 | 100 |
| D-1(Worldwide excluding USA/Canada) | *500000 | 10000 | 5000 | 100 |
*Contingency insurance for students US $750 for each month of completion of study during period of Insurance
Premium: Depends on Age-band, Trip-band and Country of visits.Coverage: Initially cover upto 180 days is provided under Business & Holiday Plan .Extension allowed on original policy for further period of 180 days subject to declaration of good health.
Eligibility
Age Limit: 6 months and above upto 70 years.
Policy is to be taken prior to departure from India.
Medical Reports are required for:
- Trip is for period over 60 days and if
- insured person is over 60 yrs of age visiting USA/Canada
- insured is over 70 yrs of age and visiting countries other than USA/Canada.
- Proposal reveals that insured had suffered from/suffering from any illness/disease.
The Proposal Form should be accompanied with (1) ECG printout with report and (2) Fasting blood Sugar and Urine Sugar, Urine Strip Test Report or any other medical report required by the company etc. along with the attached questionnaire II (B) to be completed and signed by the Doctor with minimum M. D. qualification conducting the test.
Major Exclusion
- All pre-existing disease/illnesses are not covered (known and unknown).
- Traveling against Medical advice or for Medical treatment including routine check-up.
- First USD 100 of all claims are to be borne by the traveller.
Please refer to Policy for further details.
Note: Policy details given are indicative, not exhaustive. Please contact your nearest NIA office for further details.
Overseas Travel Ease Policy (Business & Holiday)