New India Overseas Mediclaim Insurance Policy (Business & Holidays)

New India Overseas Mediclaim Insurance plan is designed by New India Assurance General Insurance for individuals and families as well as frequent corporate travellers. If you are travelling abroad and want to risk proof of your trip then you can buy this overseas travel insurance plan by New India Assurance General Insurance. Paying for any medical expenses outside India can drain all your savings. And this plan compensates for medical expenses in a foreign land arising due to an illness or bodily injuries.

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    Now covers COVID-19

    Whilst you are holidaying in a foreign land with your partner or family or even for business purposes, there are various travel perils that can ruin your trip. In case of medical emergency or accidental injuries, would you prefer to pay from your own pocket or you would like to feel fortified? Though an international travel insurance policy cannot avert any mishap, but it can offer monetary support in case of a personal or medical emergency. Here is a quick rundown of the various benefits, features, and limitations of the New India Overseas Mediclaim Insurance Policy.

    Eligibility Criteria to Buy New India Overseas Mediclaim Insurance Policy

    Age Limit ( policy should be purchased before departure from India)

    6 months to 70 years

     

     

    Pre-medical Checkups

    · If the trips exceed a period of more than 60 days

    · If the age of the insured members is above 60 years ( USA/Canada

    · If the age of the insured member’s is above 70 years when visiting countries other than USA/Canada

    · If there are any pre-existing illnesses mentioned in the proposal form

     

    Medical Reports ( in case of pre-medical check-ups)

    The proposal should be attached with the following medical reports:

    · Fasting blood Sugar

    · Urine Strip Test Report

    · ECG report

    All the medical reports to be signed by the medical practitioner with a minimum qualification of M.D.


    New India Overseas Mediclaim Insurance Policy Coverage

    New India Overseas Mediclaim Insurance Policy takes care of any unforeseen circumstance that may arise during a trip. The coverage is initially provided for a maximum of 180 days under New India Overseas Business & Holiday Plan. New India Assurance travel insurance plan can be further extended to 180 days upon declaration of good health. This overseas travel insurance policy by New India Assurance offers the following coverage benefits:

    Medical repatriation expenses

    Loss of checked-in baggage

    Emergency medical expenses

    Delay of checked-in baggage

    Loss of passport cover

    Personal liability cover


    Here is a table with the coverage and the amount of sum insured that is offered:

    Plan

    Coverage/Sum Insured

     

     

     

     

     

     

     

    Medical Repatriation Expenses

    Personal Accident

    Checked-in Baggage Loss

    Passport Loss Cover

    Personal Liability Cover

    Deductibles

    Checked-in Baggage Delay

    A-1
    (Worldwide Excluding USA/ Canada)

    USD 50000

    USD 10000

    USD 1000

    USD 150

    USD 200000

    USD 100

    USD 100

    A-2
    (Worldwide Excluding USA/ Canada)

    USD 250000

    USD 25000

    USD 1000

    USD 250

    USD 200000

    USD 100

    USD 100

    B-1
    (Worldwide Including USA/ Canada)

    USD 100000

    USD 25000

    USD 1000

    USD 150

    USD 200000

    USD 100

    USD 100

    B-2
    (Worldwide Including USA/ Canada)

    USD 500000

    USD 25000

    USD 1000

    USD 250

    USD 200000

    USD 100

    USD 100

    E-1 CFT
    (Worldwide Including USA/ Canada)

    USD 100000

    USD 25000

    USD 1000

    USD 150

    USD 200000

    USD 100

    USD 100

    E-2 CFT
    (Worldwide Including USA/ Canada)

    USD 500000

    USD 25000

    USD 1000

    USD 250

    USD 200000

    USD 100

    USD 100

    A-2
    (Worldwide Excluding USA/ Canada)

    USD 250000

    USD 25000

    USD 1000

    USD 250

    USD 200000

    USD 100

    USD 100


    New India Overseas Mediclaim Insurance Policy Exclusions

    New India Assurance for a travel insurance plan will not compensate for claims arising due to the following circumstances:

    Claim for loss/damage cover for injuries due to professional sports activities like swimming, mountaineering, racing, etc.

    Travelling against the advice of the doctor

    Damage or loss from nuclear or civil war

    Claims arising due to pre-existing diseases

    Damage while travelling in an unlicensed aircraft

    Military, air force, and navy personnel cannot be covered under the policy

    Claim for loss/damage cover for injuries due to professional sports activities like swimming, mountaineering, racing, etc.

    Damage or loss incurred from criminal activities

    First USD 100 are to be borne by the traveler

    Self-inflicted injuries


    New India Overseas Mediclaim Insurance Policy FAQs

    Q1. Does New India Overseas Mediclaim Insurance Policy cover loss of passport?

    This travel insurance plan covers expenses incurred on acquiring a new or duplicate passport.

    Q2. What is a deductible in travel insurance policy?

    A deductible is the amount that you will have to pay from your own pocket at the time of claim. The deductibles are applicable to dental treatment, medical expenses, loss of documents or passport, hijack distress allowance, delay of checked-in baggage, etc.

    Q3. What is covered by New India Overseas Mediclaim Insurance Policy?

    This travel insurance plan covers the expenses incurred on the loss of passport, medical repatriation expenses, personal liability, and personal accident cover.

    Q4. What is not covered by New India Overseas Mediclaim Insurance Policy?

    This travel insurance plan does not cover expenses incurred on pre-existing illnesses if you are travelling against the advice of the doctor if you are travelling to avail of a medical treatment etc.  The list of exclusions is mentioned in detail in the policy wordings.

    Q5. Does New India Overseas Mediclaim Insurance Policy offer coverage for business travels?

    Yes, this overseas mediclaim insurance policy offers coverage to corporate travellers as well. This plan can be purchase for holiday travels as well.

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