National Overseas Mediclaim Business and Holiday
National Overseas Mediclaim Policy is a package policy that covers travel emergencies when someone is traveling abroad. It is available for three categories of travelers- business and holiday, employment and study, and corporate frequent traveler. This policy is not a general health insurance policy. Coverage under the medical expense section of this insurance is intended for use by the insured person in the event of a sudden and unexpected sickness or accident arising when the s(h)e is outside the Republic of India. To know more about this policy, have a look at the following mentions.
Key Benefits of National Overseas Mediclaim Business and Holiday
This policy has come up with a sack full of benefits and facilities. Some of the important mentions are as follows.
Medical Expenses and Repatriation:
The following are payable only if the expenses relate to covered sickness/injury/disease or death.
- Expenses for physician services, hospital and medical services, and local emergency medical transportation.
- Expenses for physician-ordered emergency medical evacuation, including medically appropriate transportation and necessary medical care en route, to the nearest suitable hospital
- Expenses for medical evacuation, including transportation and medical care en route to a hospital in India or the Insured Person’s normal place of residence in India.
- If the Insured Person dies outside the country, the expenses for preparing the air transportation of the remains for repatriation to India or up to an equivalent amount for a local burial or cremation in the country where the death occurred.
- Dental services for the immediate relief of dental pain only – Up to US $ 225
If at any time during the covered trip, the insured person shall sustain any bodily injury resulting solely and directly from an accident caused by external, violent, and visible means, then the insured person or his legal personal representative (s), will be paid, the capital Sum Insured mentioned, if such injury shall within twelve calendar months of occurrence be the sole and direct cause of:
- death of the insured person
- permanent Total Disablement (as defined in the policy) of the insured person
- total and irrecoverable loss of both eyes or two limbs or of one eye and one limb
Loss of Checked-in Baggage:
This insurance will pay up to a limit in the event of the Insured Person suffering a total loss of Checked Baggage. The insurers reserve the right to replace or pay the intrinsic value of any lost article.
Delay of Checked-in Baggage:
This insurance will pay for the necessary emergency purchase of replacement items in
the event that the Insured Person suffers a delay of more than 12 hours from the scheduled arrival time at the destination for delivery of Baggage that has been checked in by an International Airline for an International outbound flight from India.
This insurance will pay if the Insured Person in his or her private capacity becomes legally liable to pay for accidental bodily injury to Third Parties or accidental damage to Third Party Properties arising from an incident during the covered trip.
General Exclusions of National Overseas Mediclaim Business and Holiday
Understanding a policy is not completed if one does not go through its exclusions of it thoroughly. Therefore, to have a comprehensive idea of the policy, and to avoid future complications, here are the exclusions of the National Overseas Mediclaim Business and Holiday Policy.
- Any expenses incurred on spectacles, contact lenses, or hearing aids will be excluded from the policy.
- General debility, congenital diseases/defects, and sterility will fall under the category of exclusions.
- All claims that arise from or are related to pregnancy will be declined.
- If any expenses occur on external medical equipment, the company will not be liable to reimburse the amount.
- If any claim arises due to participation in dangerous activities, or adventurous sports like paragliding scuba diving, or mountaineering, the company will not compensate for that.
- Any claim that arises or is related to HIV/AIDS will be declined.
- Injuries related to war, terrorism, and nuclear risks will not be covered by the policy.
- All non-medical expenses incurred, including those for personal comfort and convenience, will not be compensated.
- All pre-existing diseases/illnesses are not covered (known and unknown).
- Traveling against Medical advice or for medical treatment, including routine check-ups.
- Claims arising out of participation in Military, Naval, or Airforce operations.
Buying Process of National Overseas Mediclaim Business and Holiday
To buy this policy online, follow the below steps.
- Go to the official website of the National Health Insurance Company.
- There will be a products tab on the top of the homepage. Click on that.
- Select the health option and go to the know more tab.
- Multiple health policies will appear before you. Among those, find the National Overseas Mediclaim Business and Holiday.
- Click on that. Scroll down the landing page.
- There will be the buy policy online option. Click on that.
- Log in to the online customer portal of the company.
- Provide relevant details such as name, address, contact details, policy-related details, etc.
- On the basis of the given details, the premium amount will be displayed. Check the details twice.
- If satisfied, buy the policy paying the amount by choosing an online payment option safely.
- Download the policy document for better convenience.
Claim Process of National Overseas Mediclaim Business and Holiday
Follow the below steps to avail of a smooth claim experience.
- As soon as the incident happens, notify the TPA immediately. The Insured person or his representative should quote the TPA as much information concerning the illness, accident, or occurrence as is available,
- This includes the name of the treating physician, the name and telephone number of the hospital, the OMP policy number, and its date of issue.
- For minor claims exceeding deductible, the TPA should be contacted upon return to India, and a claim form completed.
- If medical treatment has been received, medical certificates showing the nature of the injury or illness, together with all bills and receipts if already paid, should be forwarded to the TPA.
- On receipt of the final document(s) or investigation report (if any), as the case may be, the company shall, within a period of 30 days, offer a settlement of the claim to the insured person.
- If the company, for any reason, decides to reject a claim under the policy, it shall communicate to the insured person in writing and within a period of 30 days from the receipt of the final document(s) or investigation report (if any), as the case may be.
- Upon acceptance of an offer of settlement, as stated above by the insured person, the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the company.
- In the cases of delay in the payment, the company shall pay interest at a rate that is 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed.
Frequently Asked Questions
In the event of the Insured Person losing his/her Passport during the trip covered, this insurance will pay up to the limit of cover for the reimbursement of actual expenses necessarily and reasonably incurred by the Insured Person in connection with obtaining emergency travel documents or duplicate/fresh Passport in lieu of lost passport outside India. No claim will be paid that is less than the deductible stated in the Schedule.
The following conditions have to be kept in mind before buying this policy.
- 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:
- 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.
The following documents are required.
- Covering letter detailing the circumstances of the claim and claimed amount.
- Duly filled and signed claim form.
- Original policy schedule duly signed by the insured or his representative.
- Copy of air ticket or E-ticket & Passport Copies. (Front, Back, immigration stamp copies& Visa Copies)
- Specific documents are required for specific sections of the policy.
- Any other document required by the company.