Overseas mediclaim business and holiday policy

Oriental Insurance-Overseas mediclaim business and holiday policy Introduction

Overseas mediclaim business and holiday policy protects an individual traveling abroad either for business purpose or for holidays in the event of illness, disease contracted or injury sustained during overseas travel but in the case of emergency and which is to be undertaken immediately. Overseas mediclaim business and holiday policy covers every aspect of a good travel insurance policy. The Oriental insurance company limited travel insurance online can be used to buy insurance.

Oriental insurance-Overseas mediclaim business and holiday Review and key features

• Cashless settlement is provided through our Overseas Services Provider.
• It covers medical expenses both as inpatient as well as outpatient while in a foreign country.
• The sum insured available ranges from Rs.50000/- to Rs.500000/-
• Overseas mediclaim business and holiday policy provides a special features for expenses incurred for medical treatment for illness, disease contracted or injury sustained during overseas travel and which is primarily in the nature of an emergency and which is necessary to be undertaken immediately.
• Policy Extension: Extension of the period of insurance is automatic for the period not exceeding 7 days, and without extra charge if necessitated by delay of public transport services beyond the control of the Insured Person.
• When injury/illness/ accident covered under this policy is contracted during policy period and treatment for the same commences during the period and continues beyond the expiry date of this policy, only emergency expenses would be paid up to 45 days from the date of expiry of the policy provided the insured person is medically incapable of travel.
• Coris: Coris International who provide emergency assistance and claims administration services. must be notified immediately as soon as it is known that insured person is unfit to return to India.

Oriental insurance-Overseas mediclaim business and holiday policy Eligibility and Conditions

1. Indian Residents undertaking bona-fide trips abroad for:

• Business and official purposes
• Holiday purpose

2. Foreign Nationals working in India. This insurance is valid from the first day of insurance and expires on the last day of the number of days specified in the policy, or on return to India, whichever is earlier. In case of a frequent traveller abroad.

3.If any new illness/injury/accident is contracted beyond the expiry date of the policy, treatment for the same would not be covered.

Oriental insurance-Overseas mediclaim business and holiday policy Covers

Medical Expenses, Evacuation and Repatriation:

• Medical costs incurred due to illness or accidents including medically necessary and prescribed emergency evacuation will be covered. Compensation for expenses related to funeral or repatriation of remains back to republic of India, in case of death overseas.

Dental Expenses:

• Dental Expenses Covers expenses incurred for immediate relief of dental pain.

Personal Accident:

• Covers death or permanent total disability in case of any accidents.

Loss of checked baggage:

• This Cover compensates for permanent loss of checked-in-baggage.

Bounced Hotel Booking:

• In event of the Insured Person not getting hotel services which were booked on a confirmed basis with the supplier, the Insurance Company will cover reasonable cost of the transportation or up gradation to another hotel if required.

Loss of passport:

• In the event of Insured person losing their Passport during the trip, insurance will cover expenses incurred in obtaining a fresh or new passport.

Personal liability:

• Covers damages to be paid to a third-party, resulting from death, injury or damage to health or property caused unintentionally by the insured

Delay of checked baggage:

• Delivery of Baggage that has been checked by an International Airline for an International outbound flight from the Republic of India.

Oriental insurance-Overseas mediclaim business and holiday Benefits

Oriental overseas travel insurance is available in two coverages $50,000 and $250,000 coverage.

Coverage (in USD)	Plan I	Plan II	Deductible
Medical Expenses	50,000	250,000	100
Repatriation	Included in Medical Expenses	Included in Medical Expenses
Evacuation	Included in Medical Expenses	Included in Medical Expenses
Dental Cover	225	225
Personal Accidental Death	10,000	25,000
Loss of Baggage (checked)	1000	1000
Delay of Baggage	100	100	12 hrs
Loss of Passport	150	250	25
Personal Liability	1,00,000	2,00,000	100
Trip Cancellation / Curtailment	500	1000	100
Bounced Hotel Booking	500	1000	10%

 Overseas mediclaim business and holiday policy-Oriental Insurance Claim Procedure

Claim Procedure:

Firstly you have to call the company claim Assistance and made a claim,the documents that are required for making a claim are:

• Original Policy
• Claim form to be fully completed
• Original bills / vouchers
• Copy of airline ticket
• Copy of Passport

Medical Expenses	Bills / reports / discharge summary must mention the name of the person treated, diagnosis, details and dates of medical treatment provided. All pathology / X-Ray reports, prescriptions and original bills. They must clearly show the medicines prescribed and price and the receipt stamp of the pharmacy. Letter from family physician confirming all the treatment the patient received in 12 months prior to issue of date of policy (if treatment received as in patient).
Dental Treatment	Bills & reports must give details of tooth /teeth treated and treatment performed
Personal Accidental Death	Death Certificate In case of medical reimbursements, bills / medical reports / discharge note must mention hospital/medical bills with doctor’s prescription (in original) and all pathology reports / medical report from attending doctors in original. Assignee’s name with relation.
Checked in Baggage Loss	Property Irregularity Report issued by the carrier Proof of ownership of items valued in excess of US$ 100 purchased prior to the journey, receipt for item lost A letter from the airline stating that the baggagE’ is totally lost New purchase, loss of camera, sunglasses, laptop, electronic items not payable
Loss of Passport	Police Report obtained within 24 hours of becoming aware of the theft Copy of old & new passports, Embassy report Receipts for the expenses incurred in obtaining new passport or travel document
Personal Liability	Receipts of estimates for repaired or damaged items Copy / Proof of legal notice received to the insured by the third-party Copy / Proof of judicial decision rendered by a court of law
Trip Cancellation curtailment	Covering letter from travel agent Death certificate (in case of death) or discharge summary from the hospital clearly mentioning the admission date and discharge date along with the diagnosis. Original bills along with trip cancellation.

Overseas mediclaim business and holiday policy Cancellation

• Cancellation of the policy may be done ONLY in cases where a journey is not undertaken and ONLY on production of the Insured person’s PASSPORT as a proof that the journey has not been undertaken.
• Any request for cancellation will be entertained not less than 14 days after the First Day of Insurance as indicated in the policy schedule.
• Such cancellation will be subject to deduction of cancellation charges by the underwriters as applicable.

Overseas mediclaim business and holiday policy-oriental insurance premium calculator

Overseas mediclaim policy for employment and students have an option that you can calculate your premium with premium calculator for that you have to give your details:

• You have to opt for an option that you are visiting only asian countries other than Japan, do you wish to avail our Special Asian Countries Plan
• you have to give your Policy Plan details
• Purpose of Visit
• Countries to be visited and the duration of stay

Date of departure from India (First day of insurance):

• Means you have to enter the date of departure from India. Please note that Insurance begins when the flight departs from India.

Insurance required till :

• Enter the duration for which you need the policy. Please note that Insurance ends when the flight lands in India.
• you have to mention the number of days

Passport Number :

• Please enter the 8 digit passport number.

Date of Expiry of Passport:

• Please enter the expiry date on your Indian Passport.
• Then you can get your Sum Assured and Total premium

Overseas mediclaim business and holiday policy-oriental insurance Exclusions and Inclusions

Inclusions

Exclusions

Medical Expenses Dental Treatment Personal Accidental Death Checked in Baggage Loss Loss of Passport Personal Liability Trip Cancellation curtailment

Travelling against the advice of a Physician No claim will be paid arising from suicide attempted suicide No claim will be paid arising from the insured person taking part in Naval, Military or Airforce operations. No claim will be paid arising from War, invasion, acts of foreign enemy This insurance does not cover any claim arising from the loss or destruction or damage to any property Ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel No claim will be paid arising from the participation of the Insured person in winter sports, mountaineering No claims will be paid for losses arising directly or indirectly from manual work or hazardous occupation

Overseas mediclaim business and holiday policy Customer Care

Toll free number: 1800118485

Registered Office :
Oriental House,
A-25/27, Asaf Ali Road,
New Delhi – 110002
Phone No’s :011-43659595
CIN :U66010DL1947GOI007158

For any complaint,
please write to – Mr. Masood Wahab,
Chief Manager,
Customer Service Department, Oriental House, A-25/27,
Asaf Ali Road, New Delhi-110002.
Contact details :
For all query, guidance use our Toll free number:1800118485 Or 011- 33208485 (Normal Charges Apply )
Email:
For complaints/grievance related to insurance policy or claims:

csd@orientalinsurance.co.in
For complaints/grievance related to online insurance policy:

portal.support@orientalinsurance.co.in

Overseas mediclaim business and holiday policy FAQs

1.What is meant by permanent total disablement?

A.PERMANENT TOTAL DISABLEMENT means a condition wherein the insured person is permanently, totally and absolutely disabled from engaging in any employment or occupation of whatsoever description.

2.What is meant by checked baggage?

A.CHECKED BAGGAGE means the baggage handed over by the Insured Person and accepted by an International Airlines / carrier outside India for transportation in the same mode of conveyance as the Insured Person travels and for which the carrier has issued a baggage receipt.

3.What are the exclusions under overseas mediclaim business and holiday policy-oriental insurance?

A.No claim will be paid arising from War, invasion, acts of foreign enemy,Travelling against the advice of a Physician, No claim will be paid arising from suicide attempted suicide etc. For more information regarding Tax Benefits, visit www.taxqueries.in.

Overseas mediclaim business and holiday policy Forms and documents

Overseas mediclaim business and holiday policy-oriental claim form

About Oriental Overseas mediclaim policy for Employment