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Overseas travel health Insurance Student overseas travel icici lombard insurance rates Specimen proposal form of ICICI Lombard Student overseas travel tata aig insurance rates Policy wording of student overseas health insurance (ICICI Lombard) Coverage student overseas travel icici lombard & tata aig insurance Policy wording of individual overseas travel insurance (Tata AIG) Policy wording of individual overseas travel insurance (ICICI Lombard) Coverage of student overseas travel insurance (Tata AIG) Coverage of studentl overseas travel insurance (ICICI Lombard) Students Overseas Travel Mediclaim policy       1-Students overseas travel policy wording (ICICI Lombard)       2-Students overseas travel policy wording (Tata AIG) OVERSEAS TRAVEL HEALTH INSURANCE

Health Insurance policy issued to you is valid in India only. When you travel out of India then you need Overseas Travel Health insurance policy because of following reasons :

1. If Hospitalization is required while you are in a foreign country then treatment may not start in a hospital;
• Unless you make the payment in cash or by credit card
• Or produce health insurance policy reference / card.
2. Some embassies of foreign countries need it as part of documents for issue of visa itself. An example is the Germa embassy or spain embassy.

Even though this policy in the beginning was for taking care of hospitalization/medical treatment only but at present this product is available with certain additional features:

ICICI Lombard Gold Plan product features are :

You will notice that while in the case of Health Insurance policy valid with in India is having the limit of Rs 5,00,000 but in case of Overseas Health Insurance policy sum can be as high as US$ 5,00,000, which is nearly equal to Rs. 235 lakhs. (Rs 2.35 crores)

Health Insurance policy valid within India is issued with difficulty for those above 60 years in age. In the case of Overseas Travel Health Insurance for India, the policy can be issued even for the age of 84 years but subject to following documents being attached with proposal form for all those whose age is above 70:

1. ECG test
2. Blood test .
3. Urine test

Medical assessment in specified format duly filled/signed/rubber stamped along with license no. of the postgraduate (M.D. or a above) doctor who has filled the report. It is to be understood that report by MBBS qualified doctor is not valid.

The medical specialists of the Insurance Companies generally based in Zonal office or Head office review the documents and decide:

1. Whether to accept the proposal and underwrite the risk
2. If to underwrite the risk should there be loading on premium rates and what should be the maximum amount of Hospitalization covered.

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