Overseas Medical Policy :
Medical expenses incurred by the insured persons, outside India as a direct result of bodily injuries caused or sickness or disease contracted are covered by this policy. Policy is to be taken prior to departure from India. Premium payable in Rupees and Claims settled abroad in foreign Currency. Policy is available for frequent corporate travellers.
Eligibility: Indian Residents undertaking bona fide trips abroad for:
- Business and official purposes.
- Holiday purpose
- Accompanying spouse and children of the person who is going abroad will be treated as going under holiday travel.
- Foreign Nationals working in India for Indian employers of Multi-National Organisation getting their salary in Indian Rupees, covering their official visits abroad provided they are undertaken on behalf of their employers.
- Age Limit:
- For adults up to 70 years
- Cover beyond 70 years is permissible at extra premium.
- Children between the ages of 6 months to 5 years are covered by excluding certain specific children diseases.
These policies may also give ADDITIONAL Add-on benefits like:-
- Personal Accident in the foreign country
- Flight delays beyond 6 hours
- Loss of checked in Baggage
- Delay of checked in Baggage
- Loss of passport
- Personal Liability arising out of any accident.
- Premium depends on the Age-band, Trip-band and Country of visits. Initially cover up to 180 days is provided under Business & Holiday Plan .Extension is allowed on original policy for further period of 180 days subject to declaration of good health.
