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Overseas Mediclaim Insurance

Order for an Overseas Mediclaim Insurance. 

Suitability
Any Indian resident travelling abroad can take this policy. In some countries however, it is compulsory for visitors to have medical insurance cover. A corporate frequent traveller can take a single policy for 1 year.

Salient Features
There are two types of plans under the Overseas Mediclaim Policy:
1. Overseas Mediclaim Insurance - A (World Wide travel excluding USA and Canada)
2. Overseas Mediclaim Insurance - B (World Wide travel including USA and Canada)
3. Overseas Mediclaim Insurance - E (For Corporate Frequent Traveller providing world wide coverage)

OMP-E is an annual policy issued for one year. The insured is covered for a maximum of 180 days abroad, irrespective of number of visits. However maximum number of days under each visit is limited to 60 days.

Benefits

  • The policy basically provides for medical expenses of the insured during his/her stay abroad.

  • Apart from the above, the policy also covers personal accident, total loss of checked baggage, delay of checked baggage, loss of passport and personal liability, at no additional premium.

  • The policy can be taken from a period of 0 to 180 days, with an option to extend further.

  • Repatriation Benefits: If the insured is required to be sent back to the home country on account of sickness suffered, the expenses incurred therewith are also paid.

  • All the expenses are reimbursed in the local currency of the country visited.

Requirements

  • Completed proposal form after passport and Visa (wherever necessary) is obtained.

  • In case of the proposer being hypertensive, ECG reports from a cardiologist should be filed and based on the same, the pre-existing condition may be excluded from the scope of benefits.

Recommendations

  • 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.

  • For a small premium paid in Indian currency, payment of claim in foreign currency of the country in which a claim arises is disbursed.

  • Besides the foreign currency allowances allowed by the host country can be conserved as the premium is paid in Rupees in home country.

The Claim procedure is very simple. The policy document that the insured carries with him contains full details of the claim settling agencies. The insured has to just get in touch with the Agency and they take over the responsibility of dealing with the respective Hospitals/Authorities who then undertake to settle the bills directly with the hospitals.
 

Order for an Overseas Mediclaim Insurance. 

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