The policy offers coverage to those emigrants who have bought this policy before leaving India and whose passport bears “Emigration Check Required”. There are various benefits available under this plan which a policyholder can enjoy only after finalizing the insurance contract but it should be during the tenure of the insurance.
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Eligibility - This policy is only available to Indian citizens who are in the age band of 18-65 years whilst staying abroad and who possess valid visa for the employment only.
The policy offers coverage in respect of the following situations-
The insurer doesn’t pay in respect of the following-
Note - It is not the complete list of inclusions and exclusions. Please check the policy wordings for more details.
You can cancel the policy by sending 30 days written. You will be entitled to get refund of the premium on the pro-data basis for the unexpired policy duration, provided no claim has been made. The company allows the refund on the following scale
|Risk Period||Rate of Premium to be Charged|
|Up to 2 months||1/4 of premium|
|Up to 6 months||1/2 of the premium|
|Up to 1 year||3/4 of the premium|
|Exceeding 1 year||Full premium|