United India OMP for Employment and Studies Policy

With increasing globalization, it’s common to see people opting to study or work abroad. Given the unpredictable nature of life, it is best to have reliable international travel health insurance. This United India OMP for Employment and Studies Policy provides covers for medical expenses, dental expenses, compassionate visits, and study interruption, etc. for people traveling abroad for higher studies/ individuals going abroad for employment.

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    Why United India OMP for Employment and Studies Policy

    Provided by the United India Insurance Company Limited, this travel health insurance plan protects the insured traveler from unforeseen expenses caused by medical expenses while traveling abroad.

    The insurer is a leading insurance provider in India for over 80 years and is trusted by more than 1.5 crore policyholders. It is available to people from urban and rural areas at an affordable premium.

    This United India OMP for employment and studies policy can be purchased by a wide age group of travelers ranging between 5 years to 60 years, depending on the plan.

    Features & Benefits of United India OMP for Employment and Studies Policy

    The United India OMP for employment and studies policy has several benefits that include the following:

    • Help with Medical Expenses: This Policy covers expenses incurred towards medical treatment for accidents/diseases sustained during overseas trips.
    • Online Discount:10% discount on purchasing the United India travel insurance policy online
    • Automatic Policy Extension:In case of a delay caused by factors beyond the insurer’s control, the travel insurance policy will be extended for up to 7 days
    • Made for Students and Employees: Persons going abroad on employment and study are covered under the policy
    • Free Look Period: Available for up to15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy
    • Cashless Hospitalization: In case of emergency, a cashless facility is available at any of the insurance provider’s network hospital
    • Grace Period Available:30 days’ grace period for renewing the Policy. However, coverage would not be available for the period for which no premium has been received. 

    Things to Know About the United India OMP for Employment and Studies Policy

    This policy has been made for any Indian traveling abroad for work or education purposes and is available for varying durations. It is not to be confused with not a general health insurance policy and is only to cover for the insured's sudden and unexpected sickness or accident.

    Categories Specification
    Eligibility Any Indian 5-60 years going abroad for study/work
    Benefits Medical Expenses
    Medical Evacuation
    Medical Repatriation
    Sponsor Protection
    Compassionate Visit
    Sum Insured Up to USD 1500
    Policy Duration Minimum: 2 months; Maximum: 12 months
    Policy Renewal Can be renewed for a minimum of 1 month; Maximum: 12 months

    Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

    This United India OMP for employment and studies policy is available through Plan- C Employment and Study (Excluding the USA and Canada). Other benefits like repatriation of remains and reunion expenses will also be covered subject to policy limits in both the above plans.

    Inclusions Under the United India OMP for Employment and Studies Policy

    This policy offers coverage benefits only related to medical expenses and emergencies which have been covered below:

    • Medical Accident and Sickness Expenses: The policy will provide coverage for expenses because of an accident or diseases that the insured may face abroad
    • Mental/Nervous and Emotional Disorder Coverage:The policy offers 50% coverage for any such disorders not exceeding 30 days of continuous in-hospital expenses subject to the policy schedule
    • Medical Evacuation: The insurer will pay as per the overall limit mentioned in the policy if the insured traveler needs to be evacuated back to India at the recommendation of the attending physician.
    • Repatriation and Alternative Expenses: In case the insured dies overseas, this United India OMP for employment and studies policy will cover the actual expenses incurred during the preparation and transportation of their remains back to India. In case a funeral in the country of studies or work is deemed appropriate then they will pay for the funeral expenses.
    • Medical Emergency Reunion Expenses: In case of any covered accident or sickness-related hospitalization, the insurer will provide for the cost of an economy class air ticket for one immediate family member or guardian to help with the insured's evacuation back to India.
    • Contingency Insurance: This is available only for sponsored students and provides reimbursement to the nominated sponsor in case the insured student is unable to finish their studies. This can be due to their untimely death, loss of eyesight, or permanent total disablement, and are medically evacuated. In case the insured is unable to finish their studies due to mental or emotional disorders then the benefit will be limited to 25% of the due amount.

    Exclusions under The United India OMP for Employment and Studies Policy

    The insurer will not provide any payment or benefits in case of certain types of claims. Make sure you go through the following to get an idea about these exceptional cases:

    • Expenses due to any cosmetic or plastic surgery
    • Pregnancy and other related costs
    • Any person traveling abroad for treatment of a disease.
    • Loss caused due to suicide or attempted suicide, Illness, sexually transmitted diseases, mental or nervous disorder, anxiety, stress, or depression.
    • Damages due to war, nuclear perils.
    • Any diseases existing/treated prior to one year of commencement of risk whether declared or not.
    • Examination/treatment in India or expenses incurred outside the country of study/postings (This does not prejudice emergency evacuation on medical grounds)
    • Expenses incurred in examinations or prescriptions of eyeglasses or hearing aids
    • Expenses not recommended or approved by the attending physician

     United India OMP for Employment and Studies Policy Eligibility Criteria

    The plan can be purchased by any Indian citizen who is going abroad to pursue their studies or work. This United India OMP for employment and studies policy can be purchased for anyone between 5 to 60 years depending on their purpose.

    In the case of students going abroad, the age cannot exceed 26 years.

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