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

Personal Accident:

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.

Personal Liability:

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.