United India Omp for Employment and Studies Policy

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Introduction/Overview

This Policy covers medical expenses, dental expenses, personal accident benefit, checked-in baggage loss, loss of passport, compassionate visit, study interruption, etc for students travelling abroad for higher studies/ individuals going abroad for employment.

Key Features

  •  Policy covers expenses incurred towards medical treatment for accident / disease sustained during overseas trips.
  •  Persons going abroad on employment and study are covered under policy
  •  Free Look Period of 15 days from the date of receipt of the Policy document to review the terms and conditions of this Policy
  •  30 days grace period for renewing the Policy. However, coverage would not be available for the period for which no premium has been received.

Benefits

PLAN - CEMPLOYMENT & STUDY (EXCLUDING USA & CANADA)

AGE LIMIT: 5 years to 60 years

TRIP LIMIT: Minimum 2 months Maximum 12 months and for renewals minimum 1 month and maximum 12 months.

Coverage

Limit

Deductable

Medical expenses

US $ 1 50 0

US $ 100

Other benefits like repatriation of remains and reunion expenses will also be covered subject to policy limits in both the above plans.

Exclusions

  •  Cosmetic surgery
  • pregnancy related costs
  • Any person travelling with/for treatment of a disease.
  • Suicide, Illness, sexually transmitted diseases, mental or nervous disorder, anxiety, stress or depression.
  • War perils nuclear perils.
  • Suicide or attempted suicide.
  • Any diseases existing / treated prior to one year of commencement of risk whether declared or not.
  • Examination / treatment in India or expenses incurred outside country of study / postings(This does not prejudice emergency evacuation on medical grounds)

Documents Required To Buy The Policy

  • Application form/ proposal form
  • Valid address Proof
  • Photographs
  • Medical examination report from authorized hospitals(in some cases)

Eligibility

MINIMUM-18 Years

MAXIMUM-65 Years