National Insurance Overseas Mediclaim Employment and Studies Policy

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National Insurance Overseas Mediclaim Employment and Studies Policy Overview:

The Overseas Mediclaim Employment and Studies policy covers various travel emergencies faced by the policyholder whilst abroad. The policy can be bought by anyone who is in the age group of 5-70 years. For travelers above 70 years of age and above 60 days of journey, the following medical test reports are required to be submitted along with the proposal form-

  • ECG
  • Fasting Blood Sugar test

It should be bought at least 30 days before the departure from India. First US$100 of claims has to be borne by the traveler.

Who is Eligible to Buy the Overseas Mediclaim Employment and Studies Policy?

The policy can be bought by anyone who is-

  • Indian citizen going abroad for business or studies purpose
  • Foreign nationals working in India for Indian employers and drawing salary in Indian currency

What are the Features of the National Insurance Overseas Mediclaim Employment and Studies Insurance Policy?

  • Claim assistance is available from an overseas service provider
  • Claims are payable in foreign currency to hospitals/doctors abroad. If cashless service is not available, insured can file for a reimbursement.

What it Covers?

The Overseas Mediclaim Employment and Studies policy offers the following coverage-

Visit

Worldwide Excl.  USA/Canada

Worldwide Incl. USA/Canada

Worldwide Incl. USA/Canada

Plan

C

D

D1

Section – 1 A, illness

1,50,000

1,50,000

5,00,000

Section – 1B
Medical  evacuation

10,000

10,000

10,000

Section – 1 C 
Repatriation

10,000

10,000

10,000

Section – 1 D
Medical Emergency  reunion

5000

5000

5,000

Section – II
Contingency 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

 

What is not Covered Under the National Insurance Overseas Mediclaim Employment and Studies Policy?

The following are the exclusions under the policy-

  • Pre-existing diseases
  • Claims arising out of participation in military or air force operation
  • Claims arising out of suicidal attempts, mental disorder, drug disorder, alcoholism, HIV disorder, etc.
  • Claims arising out of participation in winter sports, adventure sports, etc.