National Insurance Overseas Mediclaim Business & Holiday Policy

Why National Insurance Overseas Mediclaim Business & Holiday Policy

of any confusion, you can also write to Policybazaar Insurance Broker Private Limited at care@policybazaar.com.

Since 1906, the National Insurance Company Limited has been operating and catering to many general insurance plans in India. It has also won many national and international awards like the Economic Times Iconic Brands in 2018 for the category of general insurance. An overseas travel insurance plan provides the mental peace and safety net in case anything goes wrong with their trip. This National Insurance Overseas Mediclaim Business and Holiday Policy offer assistance in case of several medical and flight-related issues under many plan variants that can be opted based on geographical location as well as the premium.

Features & Benefits of National Insurance Overseas Mediclaim Business & Holiday Policy

Given below are some perks and benefits of buying this National insurance overseas mediclaim business & holiday plan:

• Multiple Options:You can choose from a list of variants depending on your geographical location, budget, and requirements
• Dental Treatment:It also covers dental treatment up to USD 225 under the medical expenses.
• Cashless Claim Settlement:Claim settlement is done in USD in case of medical expenses incurred abroad.
• Easy to Purchase:The policy can be bought online by making a payment through a debit as well as a credit card.
• One Plan for All:With premium depending on the plan chosen, the number of people covered can be up to 4.
• Covers Senior Citizens:Individuals over the age of 70 can be covered if they meet specified requirements and health checkups.

Things to know about  National Insurance Overseas Mediclaim Business & Holiday Policy

This National Insurance Overseas Mediclaim Business & Holiday Policy is available in the following variants depending on the location of your travel:

• Plan A - Business and Holiday Travel for Worldwide excluding USA/Canada
  • Plan A - 1
  • Plan A - 2
• Plan B - Business and Holiday Travel Worldwide including USA/Canada
  • Plan B - 1
  • Plan B - 2
• Plan K - Business and Holiday Travel in Asian Countries Excluding Japan

Inclusions Under the National Insurance Overseas Mediclaim Business & Holiday Policy

Following are the benefits offered by this National Insurance Overseas Mediclaim Business & Holiday Policy:

• Medical Expenses & Repatriation: The insurance provider will pay the insured in case there are sudden events of unexpected accidents or sickness while the insured is outside the country. This also includes a USD 225 reimbursement for any dental services. In case of their demise, the insurer will pay for the repatriation of their remains.
• Personal Accident:In case of accidents or other events resulting in bodily injury, disablement, or death of the insured, the insurer will pay the capital sum as mentioned in their policy.
• Delay in Checked-in Baggage:The insurer will pay for relevant necessary purchases in case their flight is delayed for more than 12 hours.
• Loss of Passport:The insurer will reimburse the actual expenses that have been reasonably incurred by the insured in the event that they lose their passport.
• Loss of checked-in Baggage:In case the insured loses their baggage, the insurer will cover the loss of baggage as per the sum specified in the policy.
• Personal Liability:In case the insured becomes legally liable to pay for any accidental bodily/property damages to a third party, then the insurer will pay for it as per the policy.

Please note that the first USD 100 for all these claims will be borne by the insured. These National Insurance overseas mediclaim business & holiday plans have been mentioned below along with their sum insured:

Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

Exclusions Under the National Insurance Overseas Mediclaim Business & Holiday Policy

The insurer will not entertain any claims in the following circumstances:

• If traveling against the advice of a physician is not covered
• If the insured is traveling with the purpose of obtaining treatment abroad
• Has received any terminal prognosis for a pre-existing condition
• Any injuries due to participating in any Naval, Military, or Air force operations
• Claims arising out of sexually transmitted diseases and suicide are not covered
• Dental treatment unless arising out of injury or for immediate relief for dental pain is not covered
• Any injuries due to exposure to any radioactive, toxic, or other hazardous properties of any substance
• If the insured has participated in any hazardous adventure sports like mountaineering etc

National Insurance Overseas Mediclaim Business & Holiday Policy Eligibility Criteria

The proposer needs to be at least 18 years of age. The maximum age of family members should be 70. Those who are above 70 years of age and are traveling for over 60 days need to provide the following medical reports along with their proposal form:

• ECG
• Urine Strip test or Fasting Blood Sugar

These reports must be from an MD Cardiologist. In case they are unable to submit these reports, their cover stands restricted to USD 10,000.

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