New India Assurance Overseas Mediclaim policy

Key features of New India Assurance International travel insurance

• New India, founded by Sir Dorabji Tata in 1919, a Multinational General Insurance Company, today operates in 28 countries and headquartered at Mumbai, India. Our global business crossed Rs. 26607 crores in March 2019 and have been market leaders in India in Non-Life business for more than 40 years.
• The only direct insurer in India rated A-(Excellent) by AM BEST Company since 2007 and have been rated AAA/Stable by CRISIL since 2014, indicating that the Company has the highest degree of Financial Strength to honour its Policyholder's obligations.
• Indian operations span across all territories through 2395 offices, including 476 DOs, 595 BOs, 26 DABs and 1257 Micro Offices with have 16795 employees and selling over 250 products.
• The sum insured available ranges from ₹50,000/- to ₹5,00,000/- for Accident & Sickness Medical Expenses for insured between 6 months and above upto 70 years.
• Cashless settlement is provided through our Overseas Services Provider WTA Travel Services Inc and Heritage Health TPA Pvt Ltd.
• Medical Reports are required for:
  • Trip is for period over 60 days and if
  • Insured person is over 60 yrs of age visiting USA / Canada
  • Insured is over 70 yrs of age and visiting countries other than USA / Canada

Some of the exclusions are as follows: (The list is only indicative and not exhaustive. Please refer to the policy document for full details.)

This entire Policy consisting of its various sections does not provide benefits for any loss resulting in whole or in part from, or expenses incurred, in respect of:

• Any Pre-existing condition and complication arising from it.
• Travelling against medical advice or being wait listed for receiving medical treatment.
• Being under influence of drugs, alcohol or other intoxicants.
• Participation in hazardous activities.
• Pregnancy and all related conditions.
• Congenital anomalies.
• Osteoporosis.
• Serving in the armed forces.
• Routine tests or examination not consistent with the diagnosis or treatment of the covered illness.
• Any type of vaccination or inoculation.
• Treatment obtained within the Republic of India unless as stated.

FAQ’s on New India Travel Insurance

Who can take this policy?

• A person who is the citizen of the Republic of India can take this policy.
• Foreign nationals working in India with Indian Employers or multinational companies getting salary in Indian rupees can be considered for issue of this policy for other than their country of origin.
• Foreign nationals domiciled in India can be considered for issue of this policy, for other than their country of origin, subject to verification of Visa, income tax return and if need be, work permit.
• The person proposing for this Insurance should be greater than 18 Years. Persons between the age of 6 months and 90 Years can be covered under the policy.

In case of the cancellation of my trip due to some exigency, can i claim under the policy?

The Company shall reimburse to you the non-refundable portion of the pre-paid lodging cost and/or the ticket charges (up to the maximum amount specified in the schedule) if the Trip is cancelled and you are unable to undertake the Trip subject to policy terms and conditions.

What is overseas service provider (OSP)?

Overseas Service Provider (OSP) means such person or persons as may be appointed by the New India from time to time to provide assistance to the Insured in terms of this Policy and the one designated in the policy schedule. Currently the TPA for the New India Travel Insurance program is World Travel Assist (WTA) and Heritage TPA. Their contact details are available on the Certificate of Insurance.

Is pre-acceptance medical check-up required?

Yes. The pre acceptance medical examination will be required in some cases as mentioned below.

What are those pre acceptance medical examination?

ECG Report, Chest X-Ray, CBC, Fasting blood, RUA (routine urine analysis), abdominal and Pelvic USG and Any other Medical report required by New India Underwriting team.

Can the policy be cancelled?

Cancellation of the policy may be done ONLY in cases where a journey is not undertaken and ONLY on production of the Insured Person’s PASSPORT as a proof that the journey has not been undertaken. Any request for cancellation will be entertained not less than 14 days after the first day of Insurance as indicated in the policy schedule Such cancellation will be subject to deduction of cancellation charges as applicable.

Is there a refund for early completion of trip?

Partial refund in premium is permitted on trip band basis provided cover is for a minimum period of 60 days and unexpired period is not less than 14 days subject to there being no claim under the policy.

What is procedure for extending the policy?

The following are the procedures to be followed:

• A written request for extension prior to the expiry of the initial policy.
• Premium to be paid in advance for the same.
• A self-declaration of good health by the Insured. The Insured has to truthfully declare any symptoms or health conditions he or she may have suffered / suffering at the time of requesting for extension.
• If any claim has been paid and or reported, the extended policy will not pay for recurrence of the same and will exclude the said Illness / Injury / condition.

Is there a discount if i hold a domestic health insurance policy from your company?

Yes, there is a loyalty discount of 10% on premium of the Overseas Travel Ease Policy, if You hold any of our domestic retail health insurance policy.

Is there any discount offered for purchasing this policy in digital platforms?

Yes. We offer the following discounts.

• Discount for customers of Web aggregator: 5% Discount for customers buying policies through web-aggregators.