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).