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For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Overseas Travel Health Insurance Policies from India
 
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(1) Overseas Travel Health Insurance   (2) Salient Points of Overseas Travel Insurance
(3) Best & Economical Policy for Overseas Travel   (4) Selection of Overseas Travel Insurance
(5) Specimen proposal form of ICICI Lombard   (6) Policy wording individual overseas travel insurance (Tata AIG)*
(7) Policy Wording/ Proposal Form/ Brochure   (8) Policy wording overseas travel insurance (ICICI Lombard)
(9) Product details of Various Companies for Overseas Travel Insurance/Policy
 
General/ Health Insurance Companies Products
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
1- Overseas Travel Health Insurance : Overseas Mediclaim policy (ICICI Lombard)
Source: Website of ICICI Lombard General Insurance Company Limited
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.
You will notice that this is much less in comparision to limit of US $ 5,00,000, which is available to those who are in age group of 70 years or less.
The good thing about this policy is that it is even issued to those who have preexisting disease. Hospitalization in foreign country even with the disease (preexisting) is covered.
On the concept of loading factor starting on a specified data it has been seen that for a person aged 84 traveling to USA, a specific PSU loaded the premium by 150%. Private Insurance Companies are generally not issuing policy to those, who are 80+in age.

In this recent months we notice that PSU's have started discouraging the issue of such policies.
These policies can be divided in to :
  1. Single trip policy
  2. Annual multitrip policy
As the name indicates single trip covers a single trip, which is starting on a specific date and ending on a specific date. It is possible to extend the date on payment of additional premium subject to condition that no claim has been made. Extension of policy is at the discretion of the Insurance Company.

Annual Multi trip policy is having validity of 1 year. As many trips as you wish are possible but it is subject to the condition: "Single trip not being more than 30 days."
Some Insurance Companies now offer option of single trip not being more than 45 days.

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 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 tes
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.
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