United India OMP for Business and Holiday

The United India Overseas Mediclaim Policy for Business and Holiday is ideal for individuals who travel abroad for business or leisure trips. This United India Travel Insurance policy covers the insured traveller against unforeseen medical and non-medical expenses incurred during the overseas trip that may lead to financial losses.

Individuals
Sr. Citizens
Students

Plans for an individual of 30 years age travelling to USA for 15 days

Why Buy United India OMP for Business and Holiday?

Travelling abroad is common amongst travel enthusiasts and businessmen. Although they usually travel to a foreign country for a short period of time, they are exposed to all kinds of uncertainties during the trip. For instance, a traveller may get sick due to a sudden change in weather or end up losing his/her passport while visiting a foreign country. Such incidents can not only spoil the trip but can also cause major monetary losses.

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However, overseas travellers do not have to worry about such losses as they will be covered under the United India OMP for Business and Holiday. This travel insurance plan by United India Insurance Company Limited has been designed to provide financial assistance to the insured business and leisure travellers in case adversities strike during their trip.

Key Features and Benefits of United India OMP for Business & Holiday

Given below are some of the key features and benefits of the United India Overseas Mediclaim policy for Business and Holiday:

Worldwide Coverage- It comes with worldwide coverage and thus, covers the travellers no matter which country he/she is travelling to.
Destination-specific Cover- The policy provides coverage as per the insured’s travel destination e. including USA & Canada or excluding USA & Canada.
Medical Coverage- It covers medical expenses, including personal accident and repatriation expenses, incurred by the insured while travelling abroad.
Cashless Treatment Facility- It provides a cashless hospitalization facility to the insured if he/she gets admitted to a network hospital of the overseas network provider of United India Insurance Company.
Non-Medical Coverage- It covers the insured against non-medical adversities, such as loss of passport, personal liability, etc.
Baggage Insurance- It covers the traveller against baggage-related adversities faced while travelling abroad, such as delay of check-in baggage and loss of check-in baggage.
Online ClaimIntimation Facility - The insurer offers an online claim intimation facility to all policyholders.

Things to Know About United India OMP for Business and Holiday

Categories	Specifications
Trips Covered	International
Number of Countries Covered	Worldwide
Sum Insured	50,000 USD 100,000 USD 250,000 USD 500,000 USD
Plan Variants	Plan A - Worldwide excluding USA & Canada with Sickness cover Plan B - Worldwide including USA & Canada with Sickness cover Plan LA - Worldwide excluding USA & Canada without Sickness cover Plan LB - Worldwide including USA & Canada without Sickness cover
COVID-19 Cover	Available
Trip Duration	Up to 180 days
Claim Assistance	Available
In-house Claim Assistance	Not available

Inclusions under United India OMP for Business and Holiday

The Overseas Mediclaim policy for Business and Holiday by United India Travel Insurance offers the following coverage:

Medical Expenses & Repatriation- The policy covers the medical expenses incurred for the treatment of an illness or injury sustained while travelling abroad. It includes the cost of availing dental services for immediate pain relief and emergency medical evacuation. It also covers the cost of repatriating the mortal remains of the body back to India.
Personal Accident- It provides compensation to the insured traveller in case an accident abroad leads to death or permanent disability.
Total Loss of Checked-in Baggage- It pays for the losses incurred by the insured in case his/her check-in baggage is lost by the scheduled airline.
Delay of Checked-in Baggage- It reimburses the unaccounted expenses incurred on the emergency purchase of necessary items in case the traveller’s check-in baggage is delayed by the scheduled airline for more than 12 hours.
Loss of Passport- The policy covers the actual expenses incurred by the insured to obtain the duplicate or fresh passport if he/she lost the original one during the tri
Personal Liability- It provides compensation to third parties in case the insured is responsible for causing accidental bodily injuries or property damages to them while visiting a foreign country.

Exclusions under United India OMP for Business and Holiday

The following expenses are not covered by the United India OMP for Business and Holiday:

Pre-existing diseases
Travellingagainst the advice of the physician
HIV/AIDS
Injuries and illness resulting from war and nuclear perils
Claims related to suicide or attempted suicide
Cosmetic surgery unless resulting from a covered accident
Routine physical examination
Pregnancy, childbirth, miscarriage, abortion or any related complications
Claims related to alcoholism and drunkenness
Travelling to obtain medical treatment

To check the complete list of exclusions, refer to the policy document of United India OMP for Business and Holiday.

United India OMP for Business and Holiday FAQs

Q: Do I Need to Undergo Medical Examination Before Buying the United India Overseas Mediclaim Policy for Business and Holiday?

Ans: You may or may not be required to undergo a medical examination before buying the United India OMP for Business and Holiday. In case you do not appear for a medical examination when asked by the insurer, you will be eligible for maximum medical coverage of 10,000 USD.
Q: Will my United India Overseas Mediclaim policy for Business and Holiday be valid if I delay my trip by a month?

Ans: No. Your United India OMP for Business and Holiday will be valid only if your trip commences within 14 days of the trip commencement date as mentioned in the policy.
Q: Do I Need to Pay Any Deductibles Under the United India Overseas Mediclaim Policy for Business and Holiday?

Ans: Yes. You will need to pay a deductible amount for every claim made under the United India OMP for Business and Holiday. The deductible amount varies from one cover to another.
Q: Can I Extend My United India Overseas Mediclaim Policy for Business and Holiday?

Ans: Yes. Your United India OMP for Business and Holiday will be automatically extended by 7 days without any additional cost in case your return journey has been delayed due to an issue with the public transport system
Q: Do I Need to File a Police Report to Raise a Passport Loss Claim Under United India OMP for Business and Holiday?

Ans: Yes. You need to file a police complaint within 24 hours of discovering the loss of your passport during the trip. If you fail to file the report, your claim will be rejected by the insurer.

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Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in