Overseas Mediclaim Employment and Studies

Highlights: PLAN C & D- Employment & Studies (all figures in USD):

USD 750 for each month of study completed

• Loss of checked in baggage- USD 1000
• Delay of Checked in Baggage- USD 100

Exclusion:

• All pre-existing disease/illnesses are not covered (known and unknown).
• Traveling against medical advice or for medical treatment including routine check-up.
• Traveling against medical advice or for medical treatment including routine check-up.
• Claims arising out of suicide/intentional self-injury/mental disorder/alcoholism/drug abuse/HIV related illness including AIDS.
• Claims arising out of participation in winter sports/ mountaineering/ adventure sports, etc.

Claims Procedure:

• The policy covers various travel emergencies faced whilst abroad.
• Premium can be paid in Indian Rupees (except in case of employment).
• Claim assistance available from an international service provider.
• Claims are payable in foreign currency to doctors/hospitals abroad, directly by the service provider in most cases. In case, cashless service is not available insured can claim reimbursement.

The policy can be purchased by any citizens of India, Nepal or Bhutan going abroad for business or holiday purposes or any foreign nationals working in India for Indian employers of multi-national organizations getting salary in Indian rupees.

Covered:

As detailed above in the salient features section:

• First USD 100 of all claims is to be borne by the traveller.
• • For travellers over 70 years of age and above 60 days of journey, the following medical reports (from an MD Cardiologist) need to be submitted along with the proposal form:
  ECG
  Fasting blood sugar or urine strip test
• In case of travellers unable to submit the above medical reports cover stands restricted to USD 10,000.