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National Overseas Mediclaim Policy For Business And Holiday

It has been very rightly said - "A friend in need is a friend indeed."

We all have our set of those few truly reliable friends who would be there for us in the hardest moments of our lives, people we can depend on and lean back on for support. But how would we be able to cope in a situation where we had none of these comforting people close to us? Imagine, for example, an accident occurring on a trip abroad in a country where you have none of your own people to look towards for help. Not a very exciting prospect, is it?

Fortunately, you have nothing to worry about, thanks to the National Insurance Overseas Mediclaim Policy. An Indian insurance company nationalised in 1972, National Insurance Company Limited (NICL) has its headquarters situated in Kolkata. It is a leader in non-life insurance in the country and serves a large database of clients across various sectors, not only in India but also in our neighbouring country of Nepal.

The Policy

This insurance company offers a multitude of policies and plans to provide insurance cover for a varying range of risks, accidents and economic losses. One of these policies isthe Overseas Mediclaim Policy for Business and Holiday.

Benefits and Features

A policy for all those who need to make frequent business trips overseas or for those simply bitten by the travelling bug, the overseas Mediclaim policy for Business and Holiday provides insurance cover for the medical expenses incurred in case of an accident or sickness overseas. It also covers the cost incurred due to loss of passport, loss or delay of checked-in baggage and any personal liability.

The benefits and salient features of the Overseas Mediclaim Policy for Business and Holiday are as follows:

Coverage - This policy provides coverage to all those who face an emergency when travelling abroad for any purpose, be it a business trip, a short holiday, for employment or study, or be it as a frequent corporate flyer.

Eligibility - The eligibility for this policy is wide-ranging, from a mere 6 months to 70 years.

Money, Money - This policy provides coverage to all those who face an emergency when travelling abroad for any purpose, be it a business trip, a short holiday, for employment or study, or be it as a frequent corporate flyer.

Helping Hands - For claim assistance, there are international service providers to provide claim assistance to the insured when s/he is travelling abroad.

You may Slack, We got your Back - The international service providers directly make the claim payments to respective person, be it the doctor, physician or the hospital in the foreign country in their particular foreign currency. You have nothing to worry because you will be reimbursed in the case of no cashless service being available.

Expert View

This policy is ideal for any travellers abroad for the purpose of business or pleasure due to its simplicity, wide coverage and large international network.

So what are you waiting for? Get insured quickly and easily by the Overseas Mediclaim Policy for Business and Holiday and enjoy that next trip you've been planning for years!

Under the Umbrella - The Inclusions

This overseas Mediclaim policy includes a multitude of emergencies while travelling abroad. Broadly speaking, these include the following expenses:

  • Medical expenses

  • Personal accidents

  • Any delay in receipt of checked-in baggage

  • Any personal liability

  • Transportation emergencies

  • Loss of checked-in baggage

  • Loss of Passport

Rejected! - The Exclusions

There are a few events that are not covered under this policy, which are mentioned below:

  • Any pregnancy related expenses incurred by the insured related to childbirth, abortion or miscarriage

  • Any cosmetic surgery undergone by the insured is not covered under this policy, as it is a voluntary procedure and not an emergency one

  • All diseases of the insured, whether discovered or unknown, are not covered if they were pre-existing

  • Those travellers who are travelling against their Doctor's Orders, or simply for routine medical check-ups

  • This policy does not cover claims arising out of attempted suicide, intentional self-injury, psychological disorders, alcohol or substance addictions, HIV-AIDS

  • It also does not cover any claims arising out of accidents caused by participating in any adventurous sports or activities

  • Accidents occurring in Defence services' operations also excluded

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