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Healthy Living

Overseas Mediclaim Insurance - Business and Holiday

What is insured?

The policy covers expenses incurred towards medical treatment for an accident or a disease sustained during overseas trips. The loss of passport is also covered under this policy.


What risks are insured?
  • Medical expenses and repatriation.
  • In-flight personal accident benefit.
  • Loss of passport.
Who can be insured?

Persons going abroad on business and holiday can be insured.


What will the policy pay and how much?

Plan -A Business and Holiday (Excluding USA and Canada)

Age Limit: 6 months to 60 years. On medical examination, this can be raised to 70 - 75 years at the discretion of the company.

Trip Limit: 180 days on any one trip plus additional time but not exceeding 365 days on any one trip.

Coverage Limit Deductable

  • Medical expenses and Repatriation, US $ 50,000
    US $ 100.
  • In flight personal accident Benefit, US $ 10,000 NIL.
  • Loss of passport, US $ 150 US $ 30.

Plan - B Business and Holiday (Including USA and Canada)

Age Limit: 6 months to 40 years. On medical examination, this can be raised upto 70 - 75 at the discretion of the company.

Trip Limit: 180 days on any one trip plus additional time but not exceeding 365 days on any one trip.

Coverage Limit Deductable

  • Medical expenses and Repatriation, US $ 1,00,000
    US $ 100.
  • In flight personal accident benefit, US $ 10,000 NIL.
  • Loss of passport, US $ 150 US $ 30.

When will the policy not pay?
  • Any diseases existing or treated prior to one year of commencement of the risk whether declared or not.
  • For children aged five, under treatment for mumps, chicken pox, measles, German measles, spina bifida, whooping cough, diphtheria, poliomyelitis, menimaitis and scarlet fever.
  • Involving travel against medical advice, travel for treatment, terminal prognosis or awaiting special treatment.
  • Cosmetic surgery, pregnancy related costs and AIDS.
  • War and nuclear perils.
  • Suicide or attempted suicide.
  • Benefits recoverable under any other policy like motor, WC or public assistance scheme.
  • Examination or treatment in India or expenses incurred outside the country of study or employment (This does not prejudice emergency evacuation on medical grounds).

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