Manipal Cigna Group Overseas Travel Insurance Policy

The following are the key features and benefits of considering the Manipal Cigna Group Overseas travel insurance policy.

Medical Expenses:

The following medical expenses will be paid for or reimbursed by the company if an insured person contracts a disease or sustains an injury while travelling that necessitates emergency care, up to the maximum amount of coverage specified against this clause.

The Benefit of the Policy Certificate:

• When an insured event occurs, in-patient care and/or daycare services are provided by a nearby hospital near the insured person’s lodging.

• Medically necessary costs for inpatient care, including those for the following: hospital room and board, intensive care unit, surgery (including costs for the operating room, surgical devices, surgeon fees, and implants), anesthesiologist services, doctor visits, specialist fees, and other related costs.

• Diagnostic procedures and all reasonable and customary costs associated with them that are required for the insured person’s treatment, provided they are related to the illness or injury for which inpatient care was deemed medically necessary.

Trip cancellation and interruption travel inconvenience insurance:

In the event of trip cancellation or interruption, the company will reimburse the insured person for any of the following costs, up to the maximum amount of the sum insured specified against this stipulation in the policy certificate:

• Expenses incurred for any reservations made in expanding by the insured person in the country of visit for travel on a common carrier, lodging, sightseeing reservations, and cruises that are not recoupable from any other source.

• Any appropriate and required costs incurred by the insured person for any alternate travel arrangements and lodging costs.

• Returning to India or your country of origin within three days of your trip being cancelled or interrupted, or

• Continuing the trip within three days of the circumstances that led to the trip cancellation or interruption ceasing to exist.

Emergency Medical Evacuation:

The Company’s obligation to pay benefits under the terms of this Policy will automatically be extended by a further 45 days if any illness or injury that was contracted or sustained during the trip in a country of visit requires medically necessary treatment that extends beyond the period of insurance.

Accidental Death:

The Company will pay 100% of the Sum Insured stipulated against this advantage in the Policy Certificate if an Insured Person sustains an Injury as a result of an Accident while on a Trip and that Injury solely and directly causes the Insured Person’s death within 365 days of the date of the accident.

Life-Threatening Pre-Existing Condition Cover:

Up to the Sub-limit set forth against this Benefit in the Policy Certificate, the Company will pay or reimburse Medical Expenses incurred by a covered individual in a country of the visit while on a Trip due to any difficulties stemming out of a Pre-Existing Disease or Condition that requires Emergency Care.

Dental Treatment Expenses:

Another major benefit of choosing the plan is that it will pay or reimburse the Insured Person for expenses incurred about any anaesthetic treatment of a natural tooth or teeth required due to such Injury/Illness experienced during the Trip Duration, up to the limit of Sum Insured as mentioned against this Benefit in the Policy Certificate, if an Insured Person contracts an illness or sustains an injury while on a trip in a country of visit.

Repatriation of Mortal Remains:

The Company will pay or reimburse the costs of returning the insured person’s mortal remains to India/country of origin or the costs associated with a local funeral or cremation in the country where the death took place, up to the Sub-limit as defined against this Benefit in the Policy Certificate, if the insured person passes away due to any Insured Event under this Policy while travelling.

A range of Optional Covers:

Another major benefit of choosing the Manipal Cigna Group Overseas Travel Insurance Plan is that it comes with the complete package of 51 optional covers that one can choose as per their needs.

Free Look Period:

The insured person has 15 days (30 days if the policy is sold through distance marketing) from the date of receipt of the policy paperwork to examine the terms and conditions of this policy if the duration of the policy is one year or longer.