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Overseas Mediclaim Insurance Employment and Study

What is insured?

Policy covers expenses incurred towards medical treatment for accident or disease sustained during overseas trips.


Insured against w hat ?

Medical expenses.


Who can take the policy?

Persons going abroad for an employment or to study.


What will the policy pay and how much?

Plan - C Employment and Study (Excluding USA and Canada)

Age Limit: One month 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 $ 75,000 US $ 100.



Plan - D Employment and Study (Including USA and Canada)

Age Limit: One month to 60 years.

Trip Limit: Minimum two months, Maximum 12 months. For renewals, minimum one month and maximum 12 months.

Coverage Limit Deductable

Medical expenses US $ 75,000 US $ 100.


What will the policy not pay?
  • Any diseases existing or treated prior to one year of commencement of risk whether declared or not.
  • For children aged five, under treatment for mumps, chicken pox, measles, german measles, spina bifida, whooping cough, diphtheria, poliomyelitis, meningitis and scarlet fever.
  • Involving travel against medical advise, travel for treatment, terminal prognosis or awaiting special treatment.
  • Cosmetic surgery, pregnancy related costs, AIDS.
  • War perils 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 country for study or employment (This does not prejudice emergency evacuation on medical grounds).

The details furnished above do not constitute the entire terms, conditions and exceptions of the policy. For complete particulars please contact the insurance offices.


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