Overseas Meciclaim Insurance

This policy is for any Indian resident traveling abroad. It is mandatory in some Western countries for a visitor to their country to be covered by a Health Insurance Policy. In its absence, he may run the risk of repatriation or quarantining in the airport itself.

Medical treatment is expensive overseas and can become a major financial problem in case of any emergency/ accident .Hence, this policy will come in handy in case of any medical trouble abroad.

WHO CAN INSURE?

  • Persons going abroad
  • Children and spouses accompanying person going abroad
  • Annual policies by Corporate for the travel of their executives.

WHAT IS COVERED ?

  • Medical Expenses.
  • Personal Accident.
  • Total Loss of Checked Baggage.
  • Delay of Checked Baggage.
  • Loss of Passport.
  • Personal Liability.

CASHLESS SERVICE

Direct settlement through TPA for in-hospital medical expenses abroad.

OVERSEAS MEDICLAIM POLICY

            The policy provides Worldwide cover  for Indian Residents making bonafide trips abroad for:

            a) Business and Holiday  Purpose 

            b) Employment and Studies.

ELIGIBILITY 

            a) Any Indian Resident.

            b) Foreign Nationals working in India with Indian employers of multinational companies getting salary in Indian Rupees.

            c) Foreign Nationals domiciled in India subject to verification of Ration Card and Filing of IT returns.

            d) Employment Policy for Persons deputed abroad on Contract by Indian employers

            e Study Policy for Students going abroad for Study or persons deputed for training purposes.

 AGE LIMIT              

            a) Any person can take this policy normally between the age of 6 months to 70 Years.

            b) Proposal over 70 Years to be accepted after obtaining  Medical reports and appropriate loading of premium.

                                                LOADING:     In case of age over 70 years

                                                71 & 72 years:     25%  (if no adverse history)

                                                73 & 74 years:     50%  (if no adverse history)

                                                Over 75 years:    100% (if no adverse history)

                                                Over 79 years:    150%  (if no adverse history)

                                                Over 84 years:    200%  (if no adverse history)

MEDICAL REPORTS     

Must for Proposers over the age of 70 years-visiting abroad excluding USA AND CANADA and over the age of 60 years – visiting USA AND CANADA.

REQUIRED TEST

Blood Sugar/Urine Strip Test and ECG printout.

NOTE: Medical reports are required when the proposer is traveling for more than 60 days.

In case the proposer is not able to submit the required Medical reports, it is possible to issue a policy by restricting the sum insured under medical expenses to US $ 10000 for Plan A and B only.

 PERIOD         

Initial cover up to 180 days under Business and Holiday.  Extention for a further period of Maximum 180 days, subject to a declaration of Good Health and No Claim.

PREMIUM              

Depends upon the Age, Country visited by the Proposer, and No. of Days of Stay.

PLANS

There are various types of plans available under the policy depending upon the nature of travel and country visited, and benefits offered under the various plans are also different.