Overseas mediclaim policy for Employment

Oriental Insurance – Overseas mediclaim policy for employment and studies

Overseas mediclaim policy for employment and students covers student travelling abroad for higher studies and an individual going to foreign destination for employment. Overseas mediclaim policy for employment mainly covers risk of illness or any disease or injury sustained in the foreign country and checked baggage including valuables in the form of computer, cameras, antiques, jewelry and articles made of stone and metals etc.

Oriental Insurance – Overseas mediclaim policy for employment and studies Review and features

• You can buy this Overseas mediclaim policy for employment and students for 1 year and later renew for another year.
• Cashless hospitalization.
• 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 policy for employment and Studies Eligibility and Conditions

• Insured Age and Duration 16 to 40 years.
• Overseas mediclaim policy mainly suits to students.
• The minimum period of cover is 2 months, and maximum is 12 months. If necessary, the policy can be renewed.
• The sum insured is US$ 75,000. The premium has to be paid in US dollars, irrespective of the country of visit.
• Overseas mediclaim policy for employment and students can be taken for minimum of two months and maximum of twelve months.

Overseas mediclaim policy for employment and Studies Policy Covers

Medical Expenses and Repatriation / Evacuation:

• 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:

• Covers expenses incurred for immediate relief of dental pain.

Personal Accidental Death:

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

Checked in Baggage Loss:

• Overseas mediclaim policy for employment and students Cover compensates for permanent loss of checked-in-baggage.

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.

Study interruption:

• If the Insured Persons education abroad has been interrupted on account of a medical condition, the company will reimburse the current semester fee already paid.

Sponsor protection:

• In case the sponsor, who is taking care of the Insured Person tuition fees is injured resulting in his demise, the Company will reimburse the tuition fees.

Compassionate Visit:

• The company will reimburse an immediate family member to visit you or for you to visit your family member in case of hospitalization extending to more than seven consecutive days.

Overseas mediclaim policy for employment and Studies Benefits

Benefits per policy period	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5	Deductible
Medical Expenses and Repatriation / Evacuation.	Nil	50,000	100,000	250,000	500,000	100
Dental Cover	Nil	250	250	250	250	100
Personal Accidental Death	25,000	25,000	25,000	25,000	25,000
Checked in Baggage Loss	1000	1000	1000	1000	1000
Loss of Passport	200	200	200	200	200	50
Personal Liability	1,00,000	1,00,000	1,00,000	1,00,000	1,00,000
Study interruption/sponsor protection	20000	20000	20000	20000	20000
Compassionate Visit	7500	7500	7500	7500	7500

For more information regarding Tax Benefits, visit www.taxqueries.in.

Overseas mediclaim policy for employment and Studies

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

Documents Required for claim process:

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
Study interruption/sponsor protection	Claim Form Required Certificates
Compassionate Visit	Claim Form Id proof

 Overseas mediclaim policy for employment and Studies Cancellation process

• 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 policy for employment and Studies 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 policy for employment and Studies 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 policy for employment and Studies 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 policy for employment and Studies FAQs

1.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.

2.How we can cancel the policy?

A.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.

3.What are the documents required for the claim procedure?

A.Original Policy,Claim form to be fully completed, Original bills / vouchers,Copy of airline ticket and Copy of Passport.

Overseas mediclaim policy for employment and Studies Documents and Forms

oriental insurance overseas mediclaim policy for employment and studies claim form

About Overseas mediclaim business and holiday