National Overseas Mediclaim Employment and Studies

Insurer Highlights

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      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.

      Read More

      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



      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.


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*

      Health insurance articles

      Recent Articles
      Popular Articles
      Reasons to Purchase High-Value Health Insurance Cover

      21 Feb 2024

      When you decide to purchase a health insurance plan for you and
      Read more
      Surgeries Covered by New India Assurance Health Insurance Plans

      22 Feb 2024

      In an era where healthcare expenses are skyrocketing in India, the
      Read more
      Is a 10 Lakh Health Insurance Adequate in Your City?

      10 Jan 2024

      An ongoing medical inflation of 14 percent in India (the highest
      Read more
      Dental Treatment Coverage from Star Health Insurance

      21 Dec 2023

      The rising costs of healthcare services have made it necessary for
      Read more
      11 Reasons Why Senior Citizens Should Buy Aditya Birla Activ One Plan

      05 Dec 2023

      Health insurance is one of the biggest assets that senior citizens
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Best Health Insurance Plans for Senior Citizens
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How Senior Citizens can save Tax with Medical Bills u/s 80 D?
      Senior citizens can save on income tax by availing tax benefits on medical expenses under Section 80D of the Income
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.