National Overseas Mediclaim Employment and Studies

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      National Overseas Mediclaim Employment and Studies

      The National Overseas Mediclaim Employment and Studies policy covers several travel emergencies and medical contingencies that may arise for the insured while his/her stay in a foreign country for the purpose of employment or studies.

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      This policy is offered by National Insurance Company Ltd. where anyone between the ages of 5-70 years can purchase it. The applicant should buy the policy at least 30 days before traveling out of India after submitting the essential documents.

      Eligibility Criteria

      Type

      Individual

      Minimum Entry Age

      5 years

      Maximum Entry Age

      70 years

       

      Number of people covered

      Individual, Spouse and Children

      Residential Status

      Indian citizens going abroad for studies or business.  Foreign nationals employed by Indian companies and drawing salary in Indian currency.

      Coverage Offered

      Given below is the basic coverage offered under the National Overseas Mediclaim Employment and Studies policy:

      • Medical expenses up to the maximum amount specified in the policy are covered in the event of an insured's illness or injury. The insured will be paid the expenses incurred up to whichever of the following occurs first:
      • The maximum dollar amount stated in the policy or
      • 52 weeks after the injury/illness
      • 12 weeks after the policy expiry date
      • Coverage for mental, nervous or emotional disorders is covered limited to 50% of the expenses. Further coverage of medical expenses will be terminated if the insured medically evacuates from the country where he/she is posted.
      • Medical evacuation expenses if they arise because of an illness or injury, and the insured person needs to be hospitalized in India, within the permissible limit, which is USD 1, 50,000.
      • Repatriation (transportation of mortal remains) and Alternative expenses- In the event of the insured person's death, the insurance company will pay the actual expenses for his mortal remains transportation to India or the funeral expenses, not exceeding USD 10,000.
      • Medical Emergency Reunion expenses- Expenses incurred by the insured resulting from injury and illness requiring hospitalization and immediate evacuation to India are covered up to USD 5000.  

      National Overseas Mediclaim Employment and Studies Plan: Inclusions

      Other than the basic coverage, the National Overseas Mediclaim Employment and Studies Policy offers the following inclusions:

      Contingency Insurance: If the insured is not able to complete his studies in the Country of Study due to an illness or injury there that results in death, loss of entre eyesight or permanent total disability, the nominated sponsor of the insured will be compensated by the Insurer. The compensation will be up to USD 750 for each month of completed study during the insurance period. The sponsor is the person who supports the insured person financially during his period of overseas study.   

      Suppose the insured cannot continue his/her course of studies due to mental, emotional or nervous disorder. In that case, the same will be entitled to 25% of the due amount payable as a benefit, provided the person exhibited acceptable behavior during the studies.

      National Overseas Mediclaim Employment and Studies Plan: Exclusions

      Given below are the exclusions that are not covered by the National Overseas Mediclaim Employment and Studies plan:

      • Any claim for any pre-existing injury and illness
      • No claim will be paid if the insured person, at the time of taking up the insurance:
      • Is on a treatment waiting list
      • Has traveled for the purpose of treatment
      • Has received a terminal prognosis
      • Has traveled to the country of posting or study against the advice of a medical practitioner
      • Is over 60 years of age
      • The insurance policy will not cover:
        • Dental Treatment except if it is a result of direct injury
        • Treatment for congenital conditions and cosmetic surgeries except if necessitated by an injury
        • Treatment related to self-inflicted injury, suicide, or drug and alcohol abuse
        • Loss or damage due to invasion, war, or military attacks, or nuclear and radioactive components
        • Expenses for examination and prescription for hearing aids and eyeglasses
      • X-ray and physical examination expenses not related to the diagnosed illness
      • Expenses related to pregnancy, child birth and associated complications.
      • Adventure sports and hazardous activities' injuries 

      Features & Benefits of the National Overseas Mediclaim Employment and Studies Plan

      The salient features and benefits of the National Overseas Mediclaim Employment and Studies Health Insurance Policy are:

      • This is an overseas Mediclaim policy that covers travel emergencies while the policyholder is abroad for employment or study.
      • The policy covers expenses for illnesses, medical evaluation, repatriation, medical emergency reunion, and contingency insurance.
      • Claim assistance is provided by the overseas service provider.
      • Claims will be payable in foreign currency to the physicians and hospitals abroad.
      • This premium paid under this policy is eligible for tax rebate under section 80D of the Income Tax Act 1961.

      Cancellation Policy

      • Policy Cancellation is allowed only when the journey is not undertaken, and the passport of the insured is provided as proof.
      • Request for cancellation is allowed within 14 days from the first day of the policy.
      • Partial premium refund is permitted provided there is coverage for 60 days minimum and the unexpired period is not less than 14 days without any claim.

      FAQs

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

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