Overseas Mediclaim Employment and Studies

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Call Us On: 
1800 345 0330
Email Us: 
nic[dot]health[at]nic[dot]co[dot]in
Policy Details: 

Overseas MediclaimPolicy is a package policy which covers travel emergencies when someone is travelling abroad. It is available for three categories of travellers-

  1. Business & Holiday
  2. Employment and Study
  3. Corporate Frequent Traveller

PLAN C & D- Employment & Studies (all figures in US $) 

PLAN C & D- Employment & Studies (all figures in US $)
Visit Worldwide Excl. USA/Canada Worldwide Incl. USA/Canada Worldwide Incl. USA/Canada
Plan C D D1
Section – 1 A, illness 1,50,000 1,50,000 5,00,000
Section – 1B
Medical evacuation
10,000 10,000 10,000
Section – 1 C
Repatriation
10,000 10,000 10,000
Section – 1 D
Medical Emergency reunion
5000 5000 5,000
Section – II
Contingency Insurance (applicable for sponsored students only)
USD 750 for each month of study completed USD 750 for each month of study completed USD 750 for each month of study completed
In addition- Plan D1 covers (i) Loss of checked in baggage- US $ 1000
(ii) Delay of Checked in Baggage- US $ 100

The selected OMP policies can be bought on line using credit, debit cards as well as net banking .

As detailed  above in the salient features section . 
First US$ 100 of all claims is to be borne by the traveller.
For travelers over 70 years of age and above 60 days of journey, the following Medical reports (from an MD Cardiologist) need to be submitted along with the proposal form:

  1. ECG
  2. Fasting Blood Sugar or Urine Strip test

In case of travellers unable to submit the above Medical reports cover stands restricted to USD 10,000.

  1. All pre-existing disease/illnesses are not covered (known and unknown).
  2. Traveling against Medical advice or for Medical treatment including routine check-up.
  3. Claims arising out of participation in Military, Naval or Airforce operations
  4. Claims arising out of -Suicide/ intentional self injury/ mental disorder/ alcoholism/ drug abuse/HIV related illness including AIDS
  5. Claims arising out of participation in winter sports/ mountaineering/ adventure sports etc.

  1. The policy covers various travel emergencies faced whilst abroad.
  2. Premium can be paid in Indian Rupees (except in case of Employment)
  3. Claim assistance available from an international service provider
  4. Claims are payable in foreign currency to Doctors / Hospitals abroad, directly by the service provider in most cases. In case, cashless service is not available insured can claim reimbursement

The policy can be purchased by any Citizens of India, Nepal or Bhutan going abroad for business or holiday purposes or any Foreign nationals working in India for Indian employers of multi-national organizations getting salary in Indian rupees


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