Overseas Mediclaim Insurance

The insurance policy covers
The policy covers expenses incurred towards medical treatment for an accident or an illness developed during the trip. It includes a fixed amount for all medical expenses and those of repatriation. The loss of passport is also covered under this policy. In–flight accidents are also covered for.


Policy payment chart

PLAN A	PLAN B
Excluding USA and Canada	Including USA and Canada
Age Limit: 6 months to 60 years. On medical examination, this can be raised to 70 – 75 years at the discretion of the company.	Age Limit: 6 months to 40 years. On medical examination, this can be raised upto 70 – 75 at the discretion of the company.
Trip Limit: 180 days on any one trip plus additional time but not exceeding 365 days on any one trip.	Trip Limit: 180 days on any one trip plus additional time but not exceeding 365 days on any one trip.
Medical expenses and Repatriation, US $ 50,000 US $ 100.	Medical expenses and Repatriation, US $ 1,00,000 US $ 100.
In flight personal accident Benefit, US $ 10,000 NIL.	In flight personal accident benefit, US $ 10,000 NIL.
Loss of passport, US $ 150 US $ 30	Loss of passport, US $ 150 US $ 30

The policy does not cover

• Any diseases existing or treated prior to one year of commencement of the risk whether declared or not.
• For children aged five, under treatment for mumps, chicken pox, measles, German measles, spina bifida, whooping cough, diphtheria, poliomyelitis, meningitis and scarlet fever.
• Involving travel against medical advice, travel for treatment, in terminal prognosis or awaiting special treatment.
• Cosmetic surgery, pregnancy related costs and AIDS.
• War and nuclear perils.
• Suicide or attempted suicide.
• Benefits recoverable under any other policy like motor, WC or public assistance scheme.
• Examination or treatment in India or expenses incurred outside the country of study or employment (This does not prejudice emergency evacuation on medical grounds).

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