Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

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.

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.

Written By: PolicyBazaar - Updated: 06 November 2019
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