| 9-Overseas Student Travel Insurance - ICICI Lombard General Insurance Company Limited |
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The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured in connection with or in respect of : |
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| 1. Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad. |
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2. Medical expenses/services, the need for which arises out of a Pre-existing Condition. |
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3. Treatment, which could reasonably be delayed until the Insured's return to the Republic of India. The question of what can or what cannot be reasonably delayed will be decided jointly by the treating Physicians and qualified personnel from the Third Party Administrator as the case may be. |
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4. Treatment of orthopedic, degenerative or oncological diseases, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured's life or measures solely designed to relieve any acute pain. |
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5. For charges in excess of reasonable and customary charges as per the determination by the Third Party Administrator, as the case may be. |
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6. Any costs incurred in connection will cancer treatment, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured's life or measures solely designed to relieve acute pain. |
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7. Treatments relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner). |
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8. Any costs incurred in connection with rest cures or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution. |
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| 9. Any costs related to mental or psychiatric disorders . |
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10. Pregnancy, childbirth and any consequences thereof unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured's or the child's life in the event of acute complications, provided the Insured pregnant woman has not completed the age of 38 years and also that the 30th week of the pregnancy is not yet completed. |
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11. Medical treatment of typical symptoms suffered during pregnancy and their consequences, including changes in other chronic conditions as a result of pregnancy. |
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| 12. Any medical check-ups during pregnancy or treatment of the pregnancy. |
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| 13. Rehabilitation and/or physiotherapy or the costs of prostheses/prosthetics (artificial limbs) etc. |
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| 14. Any exclusion mentioned in the 'General Exclusions' section of this Policy. |
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The following covers have been included in the Medical Expenses cover for the 'Plus' plans only and are not separate benefits, subject to the terms and conditions mentioned below. All mentions of these in the policy document are considered to deleted in entirety and amended as follows: |
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| 1. Treatment for mental and nervous disorders, including alcoholism and drug dependency, are covered under this policy, subject to a maximum limit of US$ 1,000. The payment for medical expenses will be limited to inpatient hospitalization of more than 24 hours provided by a hospital / nursing home. |
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| 2. In-patient medical expenses related to pregnancy are covered to a maximum limit of US$ 500, after a waiting period of 10 months. |
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| 3. Medical expenses for inter-collegiate sports injuries are covered under this policy as part of the medical cover. These expenses will be treated as any other medical expenses for an accident, and will be subject to the terms of conditions mentioned in the policy. |
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| 4. Cancer screening and mammographic examinations on recommendation from physician will be paid under this policy, subject to a maximum limit of US$ 2,000. Expenses would be paid for the usual and customary charges incurred for these test. Any tests done as a part of preventive health check-up is not included under this benefit. |
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| 5. Childcare benefits If the child is above 90 days of age, and is hospitalized for more than 2 days, for any ailment, hospital cash benefit of US$ 100 will be paid, subject to a maximum of 7 days. |
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| BENEFIT 2 - DENTAL TREATMENT |
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The Company shall compensate the Insured for expenses incurred on acute anesthetic treatment of a natural tooth or teeth during a Trip abroad but not exceeding the Sum Insured for the coverage as mentioned in Part I of the Schedule hereto. The deductible excess in respect of this benefit will be applicable for each separate claim, and shall be of an amount as specified in Part I of the Schedule to this Policy. |
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Exclusions :
The Company shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by the Insured in connection with or in respect of : |
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| 1.Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad. |
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| 2.Medical expenses/ services, the need for which arises out of a Pre-existing Condition. |
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| 3. Treatment, which could reasonably be delayed until the Insured's return to the Republic of India. The question of what can or what cannot be reasonably delayed will be decided jointly by the treating physicians and qualified personnel from the Third Party Administrator as the case may be. |
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| 4. Treatment of orthopedic, degenerative or oncological diseases, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured's life or measures solely designed to relieve any acute pain. |
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| 5. For charges in excess of reasonable and customary charges as per the determination by the Third Party Administrator, as the case may be. |
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| 6. Any costs incurred in connection will cancer treatment, unless the medical assistance provided abroad involves unforeseen emergency measures to relieve acute pain. |
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