Insurance for Foreign Travel
An Overseas Mediclaim Policy is always recommended for people traveling abroad. It helps cover medical expenses during the stay and also comes with various other tangible benefits. You can get details on Overseas Mediclaim Policy right here.
Overseas Mediclaim Policy
The Policy I Plan Options I Medical Test I Eligibility I Period of Insurance I Premium Chart I Benefits
The Policy
Holiday Standard Cover & ‘Videsh Yatra Mitra’ (The policy is available to people within the age group of 6 months - 70 years) The overseas Holiday Standard Cover provides compensation for medical expenses incurred for immediate treatment of diseases first contracted or injury first sustained, in-flight personal accident cover and loss of passport cover during the insured period of overseas travel. All these are subject to policy terms and conditions. The Videsh Yatra Mitra policy provides enhanced medical cover for the above mentioned cases. In addition it covers personal accidents, delay and total loss of checked baggage, loss of passport and personal liability covers.
Plan Options
Plan A and F: Worldwide travel excluding USA and Canada
Plan B and G:Worldwide travel including USA and Canada
Plan E & H:Corporate Frequent Travel cover to all destinations including USA & Canada
Plan A, B & E: These standard covers comprise of medical expenses, in-flight personal accident and loss of passport.
Plan F, G & H: Videsh Yatra Mitra Policy offers enhanced medical expenses cover along with personal accident, hospitalization benefit, delay and total loss of checked baggage, loss of passport & personal liability covers.
Medical Test required (ECG and Diabetes Test) only if:
The proposer is traveling to North America and is above 40 years, or
The proposer is traveling to any other country and is above 60 years
Eligibility Citizens of the Republic of India and Non Indian Citizens residing in the Republic of India who are undertaking bonafide trips outside India for:
a) Business and official purpose (Plan A, B, E, F, G &H)
b) Holiday Travel purpose (Plan A, B, F & G)
c) People accompanying the person who is going abroad for official / business purposes will be treated as going under Holiday Travel.
Note: Reserve Bank Permit Number may not be insisted on at the time of proposal form.
Foreign Nationals Working in India:
Period of Insurance
Premium Chart
Amount in INR.
|
Worldwide Excluding USA and Canada |
||||||
| Age group | 6 months - 40 years | 41- 60 years | 61 - 70 years | |||
| Duration of trip in days |
Plan A | Plan F | Plan A | Plan F | Plan A | Plan F |
| 1-14 | 604 | 669 | 662 | 734 | 982 | 1099 |
| 15-21 | 698 | 704 | 782 | 1040 | 1166 | 704 |
| 22-28 | 704 | 782 | 788 | 878 | 1176 | 1321 |
| 29-35 | 872 | 973 | 950 | 1064 | 1412 | 1590 |
| 36-47 | 998 | 1117 | 1092 | 1225 | 1638 | 1848 |
| 48-60 | 1171 | 1315 | 1292 | 1452 | 1927 | 2177 |
| 61-75 | 1449 | 1632 | 1596 | 1800 | 2420 | 2739 |
| 76-90 | 1733 | 1955 | 1890 | 2135 | 2872 | 3254 |
| 91-120 | 2930 | 3320 | 3224 | 3655 | 4893 | 5559 |
| 121-147 | 3528 | 4003 | 3869 | 4391 | 5880 | 6683 |
| 148-180 | 4904 | 5570 | 5381 | 6115 | 8190 | 9137 |
|
Worldwide Including USA and Canada |
||||||
| Age group | 6 months - 40 years | 41- 60 years | 61 - 70 years | |||
| Duration of trip in days |
Plan B | Plan G | Plan B | Plan G | Plan B | Plan G |
| 1-14 | 998 | 1117 | 1412 | 1590 | 1570 | 1769 |
| 15-21 | 1061 | 1190 | 1512 | 1704 | 1680 | 1895 |
| 22-28 | 1197 | 1345 | 1754 | 1979 | 1932 | 2183 |
| 29-35 | 1439 | 1629 | 2069 | 2338 | 2321 | 2626 |
| 36-47 | 1712 | 1931 | 2520 | 2853 | 2835 | 3212 |
| 48-60 | 2762 | 3128 | 4095 | 4648 | 4573 | 5193 |
| 61-75 | 3969 | 4505 | 5922 | 6732 | 6657 | 7569 |
| 76-90 | 4778 | 5426 | 7119 | 8096 | 8022 | 9126 |
| 91-120 | 6731 | 7653 | 10080 | 11471 | 11340 | 12908 |
| 121-147 | 8936 | 10167 | 13419 | 15278 | 15141 | 17241 |
| 148-180 | 11834 | 13470 | 17819 | 20293 | 20066 | 22855 |
Benefits:
Amount in USD.
| Worldwide Excluding USA & Canada |
Worldwide Including USA & Canada | Worldwide Annual Cover for Corporate Travelers | ||||
|
Benefits |
Plan A |
Plan F (VYM) |
Plan B |
Plan G (VYM) |
Plan E |
Plan H (VYM) |
|
Medical Expenses and Repatriation (excess 100 USD) |
50,000 |
250,000 |
100,000 |
500,000 |
100,000 |
500,000 |
|
Loss of Passport (excess 30 |
150 |
250 |
150 |
250 |
150 |
250 |
|
In Flight Death Benefit |
Up to 2,000 if less than 16 yrs of age and 10,000 if over 16 yrs. |
Nil |
Up to 2000 if less than 16 yrs of age and 10,000 if Over 16 yrs. |
Nil |
Up to 10,000 |
Nil |
|
Personal Accident (Death and loss of limbs) |
Nil |
2,000 if less than 16 yrs of age and 25,000 if over 16 yrs. |
Nil |
2,000 if less than 16 yrs of age and 25,000 if over 16 yrs. |
Nil |
25,000 |
|
Total Loss of Checked Baggage |
Nil |
1,000 |
Nil |
1,000 |
Nil |
1,000 |
|
Delay of Checked Baggage |
Nil |
100 (excess 12 hours) |
Nil |
100 (excess 12 hours) |
Nil |
100 (excess 12 hours) |
|
Personal Liability |
Nil |
200,000 (excess 200 TPPD only) |
200,000 (excess 200 TPPD only) |
200,000 (excess 200 TPPD only) |
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