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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
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   8- Policy wording overseas travel insurance (ICICI Lombard)
Special Conditions
TERMS AND CONDITIONS APPLICABLE TO BENEFIT 1 MEDICAL EXPENSES COVER
  1. For policies with medical expenses sum insured over US$ 100,000,the limit of liability of the company will be restricted to US$ 100,000 per sickness,disease or accident sustained or contracted within the period of insurance whilst on the trip abroad,that may lead to one or more medical expenses and/or hospitalization expenses.
  2. For persons aged 56 years and above, the maximum eligible medical expenses per sickness,disease or accident sustained or contracted within the period of insurance whilst on the trip abroad,that may lead to one or more medical expenses and/or hospitalization expenses are as follows,irrespective of the plan/option purchased.These limits are further restricted to the maximum sum insured specified in part 1 of the schedule.
    • Hospital Room and board, and hospital misc. expenses – maximum US$ 1,600 per day up to 30 days.
    • Intensive Care Unit - maximum US$ 3,000 per day up to 7 days.
    • Surgical treatment – maximum up to US$ 12,000
    • Anaesthetist services – up to 25% of surgical treatment.
    • Physician’s visit – maximum US$ 75 per day up to 10 visits.
    • Diagnostic and pre-admission testing – maximum US$ 750.
    • Ambulance services – maximum US$ 500.
What it does not cover?
APPLICABLE TO BENEFIT 1 - HEALTH COVER
  • 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 :
  • Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.
  • Any Pre-existing Condition
  • 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.
  • Treatment of orthopedic, degenerative, 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.
  • Charges in excess of reasonable and customary charges incurred on account of an Insurable event as per the determination by the Third Party Administrator, as the case may be.
  • Any costs incurred in connection with 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.
  • Treatments relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner)
  • Any costs incurred in connection with rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.
  • Any costs related to mental or psychiatric disorders.
  • 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 that the Insured has not completed the age of 38 years and 30th week of the pregnancy is not yet completed.
  • Medical treatment of typical symptoms suffered during pregnancy and their consequences, including changes in other chronic conditions as a result of pregnancy.
  • Any medical check-ups during pregnancy or treatment of the pregnancy
  • Rehabilitation and/or physiotherapy or the costs of prostheses/ prosthetics (artificial limbs) etc.
  • Any exclusion mentioned in the 'General Exclusions' section of this Policy.
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