Oriental Overseas Mediclaim Business and Holiday

Here are the salient features and benefits of considering the Oriental Overseas Mediclaim Business and Holiday Insurance Plan.

• Hospital Daily Allowance

The plan will pay you or the insured person the sum listed in the schedule for each day the insured person spends in a hospital, up to the maximum amount, if the hospitalisation lasts more than 48 hours.

• Dental Emergency Expenses

This insurance will only cover dental services for the emergency alleviation of dental discomfort, up to the benefit amount specified in the policy schedule per occurrence.

• Medical Evacuation

When an insured person is seriously injured or ill and there is no adequate local care available, the policy pays for the costs of an emergency medical evacuation ordered by a doctor, including medically appropriate transportation and necessary medical care while en route to the nearest suitable hospital, with the prior approval of the OSP’s medical advisors.

• Loss Of Checked Baggage

This policy will pay up to the limit of coverage indicated in the schedule, less any applicable deductible if the insured person experiences a permanent total loss of checked baggage while you are a ticketed passenger on the common carrier and the baggage was in the care (not hired), custody, and control of a common carrier due to theft, misdirection by a common carrier, or non-delivery at its destination.

• Delay Of Checked Baggage

If the insured person experiences a delay of more than 12 hours from the scheduled arrival time at the destination for baggage delivery, this insurance will pay up to the limit of coverage shown in the schedule for necessary emergency purchases of replacement items for more than the deductible shown on the policy schedule.

• Loss Of Passport

If the insured person experiences a delay of more than 12 hours from the scheduled arrival time at the destination for baggage delivery, this insurance will pay up to the limit of coverage shown in the schedule for necessary emergency purchases of replacement items for more than the deductible shown on the policy schedule.

• Repatriation Of Mortal Remains

If you pass away due to a bodily injury or illness while the insurance is in effect, the policy will pay benefits up to the amount specified in the policy schedule or schedule of benefits, or the actual costs incurred, whichever is lower, for covered expenses reasonably incurred to repatriate your body from the place of death to India.

• Hijack Distress Allowance

If an air or sea common carrier carrying you or the insured person is hijacked while you are travelling abroad during the insurance period for longer than 12 hours and the trip is disrupted, the policy will pay each insured person up to the maximum amount per day as per the coverage shown in the schedule.

• Personal Liability

Given that the incident occurs while the insured person is travelling abroad during the Period of Insurance, the policy will pay up to the limit specified in the schedule if the insured person is found to be legally liable to a third party under statutory liability provisions in private law for an incident that results in death, injury, damage to one’s health, or damage to one’s property.

• Flight Delay

If your journey is delayed for more than 12 hours because of a covered hazard, the plan will reimburse reasonable additional expenses for the delay up to the maximum specified in the policy schedule or the schedule of benefits.