OVERSEAS MEDICLAIM INSURANCE COVER

Overseas Mediclaim is Medical Insurance which is valid for use when a person (between 6-84 years) travels abroad.It is meant for persons who are otherwise resident in India, are traveling abroad for a specific purpose ( holiday, business, studies, project or temporary posting abroad on behalf of Indian employer).

Videsh Yatra Mitra (VYM) / OVERSEAS MEDICLAIM POLICY (OMP)

While OMP is strictly a Medical insurance policy, VYM is more of a travel-friendly policy.

OMP covers : medical cover (US $ 50000-100000).

VYM covers : Personal accident (US$ 25000), Medical Expenses (US$ 250000-500000) loss of checked baggage (US$ 1000), delay of checked baggage(US$1OO), loss ofpassport (US$ 250) and personal liability (US$ 200000)

Ineffect, OMP is normallv sullicieiit ifa person is travelling to 1 or 2 destinations only and is mainly concerned about medical cover. VYM makes sense gor business travel. with multiple destinations and potential loss in case of delay etc.,

• OMP:

 Plan A : Business & Holiday (B&H) - anywhere excl. USA/Canada (max. for 180 days)
 Plan B; incl. USA/Canada (max. for 180 days)
 Plan C : Employment & Studies (E&S) - anywhere excl. USA/Canada (Min. 6months)
 Plan D: incl. USA/Canada (Min. 6months)
 Plan E : Corporate frequent Traveler incl. USA/Canada (for 365 days)

• VYM:

 Plan F : Business & Holiday (B&H) - anywhere excl. USA/Canada (max. for 180 days)
 Plan G: incl. USA/Canada (max. for 180 days)
 Plan H: Corporate Frequent Traveler -incl. USA/Canada (for 365 days)

           Medical examination is necessary for

• - North America : > 40 yrs. ( Plan E : > 60 yrs.)
  - Other places : > 60 yrs. 

Report should be from MJD ( Cardiology), covering : ECG with conclusion & lasting sugar Where ECG is normal, but history exists, treadmill stress test required. If the problem is mild, policy will come without exclusions. If report warrants, certain ailments may be excluded. If report is alarming, co. may refuse to issue a policy.

As soon as there is a medical need, he is supposed to contact the local office of MERCURY INTERNATIONAL CLAIMS & ASSISTANCE and inform full details and the nature of the problem. The hospital bill will be settled by Mercury and the traveler need not pay anything.
[ Mercury's phone numbers and address are mentioned clearly in the policy document.
However, they are : USA/Canada : 1-888-284-5185 ( toll free) UK : 44-0-1273-749222]

Proposal form contains details like : Passport No., Dt of departure, purpose, countries, etc.,