With so many countries requiring a robust overseas travel plan, this National Insurance Overseas Mediclaim Employment and Studies Policy is a great option for those Indians who are planning to travel abroad for work or academic purposes. Offered by the National Insurance Company Limited, this plan covers any medical contingencies you may face while abroad.
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With globalization, overseas travel has become a very common thing. This plan is specially made for those individuals who are going to another country for employment or study purposes. The plan protects you in case there are any travel emergencies that would otherwise cost you a lot of financial strain. You will be provided coverage benefits for issues related to medical expenses, baggage loss/delays, medical evacuation, emergency reunion, etc if you happen to face any of these emergencies.
|Offered by||National Insurance Company Limited|
|Customer Support||24x7 live chat support|
|Plan Variants Offered||Worldwide Excluding USA/Canada – CWorldwide Including USA/Canada - DWorldwide Including USA/Canada - D1|
|Cancellation Policy||Allowed, subject to cancelation charges|
The plan has been designed for those individuals who are traveling abroad for study or employment reasons. This plan has the following variants available depending on the geographic location and the sum insured:
Benefits include coverage for medical expenses, evacuation, repatriation, and more. Please note that baggage delay/loss benefit is only available with Plan D-1 and the first USD 100 of claims has to be borne by the traveler.
The National Insurance overseas mediclaim employment and studies plan offers the following coverage benefits to the policyholders-
The table below provides the detailed coverage along with their sum insured. All sums are in USD:
|Visit||Worldwide Excluding USA/Canada||Worldwide Including USA/Canada||Worldwide Including USA/Canada|
|Section – 1 A, illness||1,50,000||1,50,000||5,00,000|
|Section – 1BMedical evacuation||10,000||10,000||10,000|
|Section – 1 CRepatriation||10,000||10,000||10,000|
|Section – 1 DMedical Emergency reunion||5000||5000||5,000|
|Section – IIContingency Insurance (applicable for sponsored students only)||USD 750 for each month of study completed||USD 750 for each month of study completed||USD 750 for each month of study completed|
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The insurer has the following exclusions under the policy under which no claims or reimbursements would be entertained-
The plan can be purchased by anyone who is in the age group of 5-70 years. It should be bought at least 30 days before the departure from India. The policy can be bought by:
In case the insured person is above the age of 70 years and is traveling for over 60 days, a medical checkup will be required. Medical test reports including ECG and fasting blood sugar test are required to be submitted along with the proposal form.
You can pay the required premium using net banking, credit cards, debit cards, etc
The Plan D-1 of this National Insurance Overseas Mediclaim Employment and Studies Policy provides cover of up to USD 1000 for loss of checked-in baggage along with USD 100 reimbursement for delay in your checked-in baggage.
You can purchase the desired plan by visiting policybazaar.com or the official site of the National Insurance Company Limited online. You can also buy this National Insurance overseas mediclaim employment and studies plan offline by visiting their local branch near you. Don’t forget to compare different travel insurance plans at Policybazaar.com before buying one. In case of any confusion, you can also write to Policybazaar Insurance Broker Private Limited at firstname.lastname@example.org.
The insurer provides claim assistance from their international service provider. The claim is payable in foreign currency to hospitals or doctors abroad directly through this service provider. In case the cashless service is not available, the insured can file for reimbursement later.