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| Overseas Travel Health Insurance |
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| Policy information of health insurance products for overseas travel health insurance policies including comparison rates, policy language, coverage etc. |
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Overseas Travel Health Insurance |
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(2) |
Salient Points Of Overseas Travel Insurance |
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Best & Economical Policy for Overseas Travel |
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(4) |
Selection of Overseas Travel Insurance |
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Specimen proposal form of ICICI Lombard |
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(6) |
Policy wording individual overseas travel insurance (Tata AIG)* |
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Policy Wording /Proposal Form/ Brochure |
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(8) |
Policy wording overseas travel insurance (ICICI Lombard) |
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Product details of Various Companies for Overseas Travel Insurance/Policy |
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| General/Health Insurance Companies Products |
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| Apollo Munich Insurance Company Limited |
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Easy Travel - Individual Plan |
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Easy Travel Family |
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Easy Travel Senior Citizen |
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Easy Travel Annual Multi Trip |
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Easy Travel Plan Comparison |
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| Bajaj Allianz General Insurance Company Limited |
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Travel Asia |
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Travel Assist |
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Travel Companion |
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Travel Elite |
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| Cholamandalam Ms General Insurance Company Ltd. |
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Short Term Travel |
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| Future Generali India Insurance Co. Ltd. |
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Travel Suraksha |
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Overseas Travel |
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Multi Trip |
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Asia Travel |
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Superior Care |
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| HDFC Ergo General Insurance Company Limited |
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Travel Insurance |
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| ICICI Lombard General Insurance Company Limited |
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Annual Multi trip |
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Senior Citizen Plan |
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Single Round Trip |
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| IFFCO-Tokio General Insurance Company Limited |
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Travel Protector |
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| National Insurance Company Limited |
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Overseas Mediclaim |
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| Reliance General Insurance Co. Limited |
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Reliance Travel Care Insurance Policy – Asia |
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Reliance Travel Care Insurance Policy – Schengen |
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Reliance Travel Care Insurance Policy for Individuals and Families |
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| Royal Sundram Alliance Insurance Company Limited |
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Travel Shield Online |
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| Star Health And Allied Insurance Company Limited |
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Travel Individual |
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Travel Family |
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| Tata AIG General Insurance Co. Ltd. |
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Travel Guard |
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Asia Travel Guard |
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| The New India Assurance Co. Ltd. |
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Overseas Mediclaim Policy |
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| The Oriental Insurance Company Limited |
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Overseas Mediclaim Business and Holiday |
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| United India Insurance Company Limited |
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Overseas Mediclaim Policy for Business & Holiday |
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| 1- Overseas Travel Health Insurance : Overseas Mediclaim policy (ICICI Lombard) |
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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:
- ECG test
- Blood test .
- 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:
- Whether to accept the proposal and underwrite the risk
- 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 :
- Single trip policy
- 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:
- ECG test
- Blood test
- 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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