National Insurance Overseas mediclaim policy for Employment and Studies
National insurance overseas mediclaim policy is a type of policy which covers the travel emergencies for the people who are travelling to the abroad. National insurance introduced an overseas mediclaim for the sake of travelers.
Overseas mediclaim policy covers the travel emergencies when the people is travelling to abroad. National Insurance Overseas mediclaim policy for employment and studies is a type of policy among overseas mediclaim policy.
National insurance overseas mediclaim policy is useful for the insured person in the event of an accident arising, sudden and unexpected sickness, When the Insured person is eligible for cover under the Insurance. The policy will be valid within 14 days of the first day of insurance as mentioned in the policy schedule.
National Insurance Overseas mediclaim policy Review and Key Features
The main benefits of the National Insurance Overseas mediclaim policy are mainly:
Benefits payable under National insurance overseas mediclaim policy will be paid directly to the Insured Person who sustains the loss.
Benefits payable under National Insurance Overseas Mediclaim policy in respect of hospital, dental, nursing, medical or surgical services may at the company option. unless such Insured Person requests otherwise in writing not later than when filing proof of loss , be paid directly to the hospital or individuals rendering the services.
- Personal Accident
- Personal Liability
- Loss of passport.
- Loss of checked in Baggage.
- Delay of checked in Baggage.
National insurance overseas mediclaim policy is used for any Foreign nationals working in India for Indian employers of multi-national organizations getting salary in Indian rupees. And for the indian students who are willing to study in the abroad, for the employment people.
National insurance overseas mediclaim policy Eligibility & Conditions
- Minimum Entry age is 7 months
- Maximum entry age is 70 Years.
- National insurance overseas mediclaim policy is valid only for Citizens of the Republic of India.
- For the students who will want to study in abroad and furthering their education there.
- And for the people those who are need to travel on employment basis and for reasearch works.
National insurance overseas mediclaim policy cover
National insurance overseas mediclaim policy for employment and studies is not a general health insurance policy. It is only for the use of the Insured Person in the event of any sudden and unexpected sickness.
The policy covers various travel emergencies which you can faced in abroad are:
- In the case of employment the premium can be paid in Indian Rupees.
|
Country of Visit |
Worldwide Excluding Canada/USA |
Worldwide Including Canada/USA |
Worldwide Including Canada/USA |
|
Plan |
C |
D |
D1 |
| Section – 1 A Illness |
150000 |
150000 |
500000 |
| Section – 1B Medical evacuation |
10000 |
10000 |
10000 |
| Section – 1 C Medical Repatriation |
10000 |
10000 |
10000 |
| Section – 1 D Medical Emergency reunion |
5000 |
5000 |
5000 |
| Section – II Applicable for the sponsored students only.Contingency Insurance |
US Dollar rates 750 for each month of study completed |
US Dollar rates 750 for each month of study completed |
US Dollar rates 750 for each month of study completed |
1. Illness:
National insurance overseas mediclaim policy for employment and studies covers the illness means it covers if the insured person is felt with any illness.
2. Medical Evacuation:
Medical Evacuation Expenses Covered an Injury or Covered Sickness, In the event that the Insured Person is evacuated to India the Insurers will pay Medical Accident and Sickness Expenses in India, as provided under Sub-Section.
3. Medical Repatriation:
In the event of the death occurred for an Insured Person the company will pay the actual expense incurred for preparation and transportation to India , Funeral Expenses incurred in the Country.
All expenses will be approved by the claims administrator.
National Insurance overseas mediclaim policy premium
You can also check your premium with the premium calculator.
National insurance overseas mediclaim policy Premium will depend on the Trip band , Age band and the Country on Plan selected.
National insurance overseas mediclaim policy exclusions
- The main exclusions of the national insurance company limited overseas mediclaim policy are:
- If the Insured Person is traveling against the advice of a Physician under such circumstances no claim will be paid.
- If the Insured Person is traveling for the purpose of obtaining treatment, no claim will be paid in such cases.
- If the Insured Person has received a terminal prognosis for a medical condition, no claim will be applicable.
- No claim will be applicable if the insured person arising from suicide attempt.
- No claim will be applicable where the Insured Person have any mental disorder, stress or depression, anxiety, alcoholism.
- If the insured person taking part in Naval, Military or Airforce operations, no claim will be paid .
- War, invasion, acts of foreign enemy, hostilities.
- National insurance does not cover any claim arising from the loss or destruction or damage to any property whatsoever or any loss or expenses.
National insurance company limited overseas mediclaim policy claim procedure
Claims are payable in foreign currency to the Doctors directly by the service provider in most cases. In case, cashless service is not available insured can claim the reimbursement.
The company may require the Insured Person to provide at his own expense all certificates, information, proofs or other evidence of claims.
Claim assistance is always available from an international service provider.
Coris International SA.Coris Assistance
110, Avenue de la republique, 75011 Paris, France.
Phone: +33 (1) 41 61 23 07 (Tel. No. from Outside Europe)
Toll Free: +0 800 41 41 44 44(Toll Free from Within Europe)
FAX: +33 (1) 44 51 1693.
Email:ops@coris.fr
Website: www.coris.fr Jurisdiction:Continental Europe,
UK and Ireland, Africa, Pakistan Coris USA Coris USA Inc.
11900 Biscayne Blvd, Suite: 803, Miami, Florida 33181, USA.
Phone: +1 305 698 7757 / 1 305 357 2100
Toll Free: +1 877 536 7264
(Toll Free Within US and Canada)
FAX: +1 305 698 0176 / 1 305 891 7840
Email:assistance@corisamerica.com
Jurisdiction: North and South America India Claim Assistance Heritage Health TPA (P) Limited
1102, Raheja Chambers, 213-Free Press Journal Road, Nariman
Point, Mumbai-400 021, Maharashtra, India.
Phone: +91 (22) 6654 7965 / 6654 7967
Fax: +91 (22) 6654 6812
Toll Free: 1800 22 4004
Email:heritagehealth@vsnl.net Jurisdiction: South and South East Asia, Middle East, Australia and New Zealand.
National Insurance Overseas mediclaim Online
You can also buy your policy through online. National insurance company limited overseas mediclaim policy has gives you that type of feature.
For national insurance overseas mediclaim online you need to fill some information like travel destination, travel purpose etc. as shown in the below figure.
National Insurance Overseas mediclaim policy FAQs
1.What is the duration of overseas mediclaim policy?
A. Initially cover up to 180 days is provided under Business and Holiday Plan. Extension allowed on original policy for further period of 180 days subject to declaration of good health.
2. When should a traveler purchase a national insurance overseas mediclaim policy?
A. Policy should be taken 30 days prior to departure from India.
National insurance overseas mediclaim policy Customer Care
Toll free number:
- 1800 200 7710
Call: 03322831705 /03322831706
Address: 3, Middleton Street, Prafulla Chandra Sen Sarani, Kolkata, West Bengal, 700071.
Telephone: 22831705 / , Fax: 22831740.
National insurance overseas mediclaim policy documents and forms
National insurance overseas mediclaim policy for employment and studies brochure .
National insurance overseas mediclaim policy for employment and studies claim form.