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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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| 8- Policy wording overseas travel insurance (ICICI Lombard) |
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- The insured needs to contact the Help Line number while abroad as soon as possible and inform in case the insured is/will be filing of any claim, even if assistance is not required. The company will not be liable to pay any claim that has not been informed by the insured while abroad to the Help Line Number on return back to India.
- The Third Party Administrator Help Line Number will verify the identity of the caller by asking information such as mother's maiden name.
- In the event of an accident or sudden illness where it is not possible to do so before consulting a Physician or going to the Hospital, the Insured shall contact the Help Line Number as soon as possible. In either case, when being admitted as a patient, the Insured shall show the concerned Physician or personnel this Policy, if requested.
- In case of Financial Emergency, the Insured shall immediately contact the Help Line number the Third Party Administrator stating the details given on his/her Insurance Policy along with the police report containing the passport number and a written statement narrating the incident of loss i.e. causes, circumstances and the place. Failure to do so may prejudice the Insured's claim, as the Company's liability will only attach in case of Medical Expenses, Dental Treatment, Repatriation of Mortal Remains and Financial Emergency if these are incurred with the approval of the Third Party Administrator.
- In case of Hijacking, the fact of the incident having occurred should be confirmed by the proper police authorities. The police report should contain details such as the passport number of the Insured, the period of hijack, etc. In rare cases, the Company may consider the other supporting documents such as a report issued by the airlines, newspaper reports, TV and other media coverage with regard to the particular hijacking incident.
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| How do I get my claim? |
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| 15. Claims Settlement |
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- If the procedure stated above is complied with, the Third Party Administrator, as the case may be, will guarantee to the service provider the costs of hospitalisation, transportation for emergency services, transportation home for Insured and any covered accompanying person and financial emergency assistance. All costs will be directly settled by the Third Party Administrator on the Company's behalf and the same shall constitute due discharge of the Company's obligations hereunder.
- If the service provider does not accept the guarantee of payment from the Third Party Administrator, the Company cannot be held liable for the same. The cost will then have to be borne by the Insured. These cost will then be reimbursed by the Company / the Third Party Administrator on submission of required documents.
- Reimbursement of all claims (except claims under Financial Emergency Assistance) will be made by the Third Party Administrator in Indian Rupees on the insured's return back to the Republic of India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed. Claims under Financial Emergency Assistance shall be settled/arranged directly to the Insured, whilst abroad, by the Third Party Administrator.
- Insured with an immigrant visa, going abroad permanently and having declared an immigrant status on the policy will be reimbursed their claims while they are abroad.
- In case of fire / burglary loss to the home of the insured whilst on the trip abroad, the loss is to be intimated to the Third Party Administrator in India. The company shall appoint an independent surveyor to assess the loss.
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| What documents I need to submit ? |
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| 16. Claim Documentation : |
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- The original ticket / boarding pass or a copy of the passport indicating the traveldates must be submitted with every claim, along with the completed claims form
- The original bills and vouchers must be submitted along with all claims.
- Bills/vouchers/reports/discharge summary must mention the name of the person treated, the type of illness, details of the individual items of medical treatment provided and the dates of treatment. Prescriptions must clearly show the medicines prescribed. The pharmacy bills must clearly show the price and the receipt stamp of the pharmacy. In the case of dental treatment, the bills/
vouchers/ reports must give the details of the tooth treated and the treatment performed. Treatment taken on different dates for separate ailments will be treated as separate claims. The claims form should clearly indicate the same and supporting should be provided for each one. Deductible will apply for each claimseparately.
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