Overseas Mediclaim Policy in General Insurance

Privileges of Foreign Travel - Overseas Mediclaim Policy in the field of General Insurance...

In the field of General insurance foreign Mediclaim proffers hatful of privileges and security. During journeying to foreign land the policy bid security for Personal Accident, Health disbursals originated due to Unanticipated Sickness or Unfortunate Mishap, Entire loss of checked belongings, Loss of Passport and Personal Liability.

Underneath suggests the privileges and securities in Overseas Mediclaim policy or Videsh Yatra Mitra Policy.

Personal Accident

The security confinement in Personal accident is US$ 25000 and amount that can be deducted is null. The personal accident peril protected for untimely demise, entire permanent incapacitation, loss of eye or eyes, loss of limb or limbs (hand or leg).

Tabulation of privileges in Personal Accident Protection

Table-I Death.

Table-II Entire permanent incapacitation

• Loss of visual faculty(both eyes)
• Loss of two limbs(hands, legs)
• Loss of one limb and one eye
• Entire permanent incapacitation

Table-III

• Loss of visual faculty of either eye
• Loss of limb

Table-IV

• Entire permanent incapacitation from accidental injuries excluding the above mentioned.
• Exceptional consideration - confinement of security is up to US$ 200 for death, if insured the under the age of 16 years.

Medical Disbursals

The medical disbursals are allowed solely for medical care provided is encountered within the 90 days time span instantaneously accompanying the commencement of manifestation physical damage due to injury, malady or sickness.

The proceeding Medical Disbursals are protected in Overseas Mediclaim Policy.

• The medical disbursals covered for medical practitioner assistance, hospital and medicals avails, and local exigency medical transportation.
• Merely US$ 25 afforded as security per accident or untimely mishap, for instant ease of dental pain avails purely when accident shall be incurred considering dental services option.
• Medical practitioner prescribed exigency medical treatment disbursals in the closest hospital when the insured person is gravely ill or injured where appropriate local care is unprocurable.
• Death of insured person is external India, the disbursals involved in the transportation by aero plane or airbus of deceased return from foreign land to India for local entombment or cremation in once country.

Less of Checked Luggage

• Confinement of security for loss of checked luggage bounded to US$ 1000 and deductibles are null.
• The threat covered for entire loss of luggage ensured in by International Airline.
• Loss or damage partly barred in this policy.
• Entire loss or damage of single unit of luggage will not be barred.
• In the absence of ownership proof claims for particulars valued more than US$ 100.

Detainment of Checked Luggage

• Confinement of security is bounded to US$ 100 and the time more than 12 hours in detainment of baggage. 
• Disbursals on emergency purchase of substitute items 12 hours from the planned arrival time at terminus of luggage that have been conformed in on the International Airport.

Loss of Passport

• Confinement of security is bounded for US$ 100 and the deductible is US$ 30 in case of loss of passport.
• In acquiring a duplicate passport or substitute travel document are covered under overseas Mediclaim policy for disbursals subjected abroad.
• Security for loss of damage to passport due to seizure by an authority or detention by custom officers, copes or any other administrative higher authority is barred.
• If larceny is not accounted within 24 hours uncovering is unaccepted. Loss of or larceny of passport unwatchfulness by the insured is barred.

Personal Liability

• Confinement of security for personal liability is US$ 200000 and the deductibles are US$ 200 (solely on third party property damage).
• Legal liability binding in private capacity for physical injury to third party peril is barred.