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Going abroad for Education or Employment or Holidays can be a lifetime opportunity. Protecting yourself from sudden illness or accident is a prudent act. Avail our Overseas Mediclaim Policy at a lower premium than in Overseas. I have given a brief explanation about Overseas Medical Policy in my site. Summary of Overseas Mediclaim Policy: The plans available are for USA & Canada/ Other than USA & Canada. The coverages available are 50,000 $, 1,00,000 $, 2,00,000 $, 2,50,000 $ & 5,00,000 $. No medical examination required, upto 70 years, above 70 years medical examination has to be done. We require ECG findings certified by M.D. Cardiologist, Fasting blood sugar, Fasting urine sugar. Medical examination can be done at your doorsteps. The advantage in taking the insurance in India is that payment will be in Indian rupees for the premium and the settlement of claim will be in US$. The deductable for every claim is 100$. It covers all illnesses, accidents, injury, diseases provided, it is not a PREEXISTING DISEASE. The premium is different for different age groups. The age restriction is from 6 months to 70 years. Over 70 years old, medical insurance is given only after the approval of the Insurance head office. This Overseas Mediclaim Insurance is applicable only to Indian Citizens. Foreign nationals have to take insurance only in their country. If you are in Chennai then application form is available with me. Different rates apply to different age groups. The age groups are 6 months to 40 years, 41 years to 60 years and 61 to 70 years. The rates include 8 % service tax also. If a person goes to US and he decides to extend his stay for a further period he can extend his insurance through one of his/her relations in India or contact me through email and pay the extra premium. But they should do so before the time period for which the Insurance is taken expires. Otherwise they have to take the insurance in the US and pay in dollars which is very expensive.
Introduction The Overseas Mediclaim Insurance policy provides indemnity for medical expenses necessarily incurred for treatment of illness and diseases first contracted or injury first sustained during the insured period of overseas travel subject to the policy terms and conditions.
Eligibility Indian Nationals undertaking bonafide journeys abroad for business or official work or holiday or for employment and studies. This policy is also available to foreign nationals resident India.
Age Limit 6 months to 90 years. Acceptance of proposals from persons above 70 years of age is subject to the company’s discretion at loading of premium.
Period of coverage Period of cover is the actual period of travel subject to a maximum of 6 months(180 days) for any one trip. However the company at its discretion may consider extension beyond 180 days.
Medical Check Up Persons over 70 years of age travelling to countries like USA & Canada or other than USA & Canada have to submit the following medical reports along with the proposal form.
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Pre-existing disease exclusions This policy specifically excludes all expenses incurred relating to existing diseases/illness from which the insured is suffering.
Corporate Frequent Travelers Policy To facilitate persons who travel abroad frequently on office work/business an annual cover termed as Corporate Frequent travelers policy has been designed to cover any number of trips taken by a person during a particular year. However, each trip should not exceed a period of 30 days. The insurance is valid for 12 months from the date of commencement stated in the policy in the event of a visit extending beyond the policy period special conditions apply. A person up to 60 years of age need not undergo medical check-up. However, a person over the age of 60 years must undergo at the inception of the annual cover for a full medical check up including blood/urine test and FCG. Note: Persons above the age of 70 years are not eligible for this coverage.
Claims
facilitation and assistance 'CORIS' is Coris International who provides emergency assistance and claims administration services. Their address is 8, rue Auber, 75009, Paris, France 'HERITAGE' is Heritage Health Services Pvt Ltd., Mcleod House, 3 Nethaji Subhas Road, Kolkata - 700 001. India who on behalf of 'CORIS' provides assistance to the insured person in India After the above mentioned definition, the expression 'MERCURY' appearing wherever in the policy shall be read and understood as 'CORIS' and the expression 'TOWER' wherever appearing in the policy shall be read and understood as 'HERITAGE' ADDRESS FOR CLAIMS OCCURRING IN WESTERN, CENTRAL & EASTERN EUROPE, AFRICA FRANCE - MAIN OFFICE Coris
International Coris
America Toll
Free(USA) 1 877 536 7264 Coris
UK Incase
of claim occurence at Australia, New Zealand, Asian regions &
for any enquiry by Insured Person or his/ her relative may contact
'HERITAGE' at: MUMBAI
OFFICE Fax + 91 22 2498 0926 E-mail : heritagehealth@vsnl.net KOLKATA
OFFICE For
Assistance any where in the world, contact : 0091-11-5189 8862 ICICI
- Lombard General Insurance Company Ltd E-mail
: travelclaims@icicilombard.com
Excluding
American Policies COVERAGES
AVAILABLE
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CARE IF U R LESS THAN 70 YEARS CONTACT ME 1 HR BEFORE PROCEEDING TO THE AIRPORT You do not have to go to the insurance company for paying the premium or to collect the policy. I individually deliver it to you. If you want to extend the coverage, call me well in advance before 10 days. I have a tie-up arrangement with hospitals that provide medical services to you at a concessional rate. In case you are required to undergo medical tests to provide the required medical reports, You can contact me and I can arrange for the required medical check-ups. I can arrange for medical examination at your doorsteps, finish the medical examination, collect the premium and issue the policy on the same day you fly. In such a case the important requirement is that , the person should contact me 1 day in advance as I want Fasting blood Sugar. The patient should be in Empty Stomach at the beginning of the fasting blood sugar test. Come prepared 1 day in advance and not in the last minute.
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