Overseas Mediclaim Insurance (Employment & Study)
This insurance policy is essential for each and every individual travelling abroad for employment or studies. This insurance policy is ideal for insuring against any expenditure sustained owing to any accident or disease during an overseas trip.

Risks covered
This insurance policy protects the insured party against medical expenses that might be incurred during the trip.

Compensation offered

Plan - C Employment & Study (Excluding USA & CANADA)

Age Limit: One month to 60 years

Trip Limit: Minimum 2 months, Maximum 12 months and for renewals minimum 1 month and maximum 12 months.

Coverage Limit Deductible Medical expenses US ,000 US.

Plan – D Employment & Study (Including USA & CANADA)

Age Limit: One month to 60 years

Trip Limit: Minimum 2 months, Maximum 12 months and for renewals minimum 1 month and maximum 12 months.

Coverage Limit Deductible Medical expenses US ,000 US .

Exclusions

• Any diseases existing/ treated prior to one year of commencement of risk whether declared or not.
  
  
• For children aged 5 and under treatment relating to Mumps, chicken Pox, measles, German measles, spina bifida, whooping cough, Diphtheria, Poliomyelitis, menimaitis and scarlet fever.
  
  
• Involving travel against medical advise, travel for treatment, terminal prognosis/ awaiting special treatment.
  
  
• Cosmetic surgery, pregnancy related costs, AIDS.
  
  
• War perils, nuclear perils.
  
  
• Suicide or attempted suicide.
  
  
• Benefits recoverable under any other policy like motor, WC or public assistance scheme.
  
  
• Examination/ treatment in India or expenses incurred outside country of study/ postings (This does not prejudice emergency evacuation on medical grounds).