A

• Are the expenses for the test a part of the overseas travel insurance policy or additional?
  The cost of the medical tests(wherever required) has to be borne by the insured.   ...
• Are there any sub limits like room rent, etc?
  Yes in some policies there are sub limits as given below. ICICI Lombard 1. For policies with sum insured over US$ 100,000, ...
• Am I protected in remote areas of the world?
        Yes, Personal accident cover is worldwide. ...
• Are there any territorial restrictions applicable to the policy?
  No, the coverage under this policy is WORLDWIDE. However, claims, if any, will be paid in Indian currency only. ...
• As not all the companies provide top up cover, is it possible to buy a main policy from one company and buy the top up from some other company? Also, If main policy covers the critical illness, will the top up cover it too?
  Yes, you can buy health insurance policy from one company and a top up plan from another. Just make sure that your main policy has ...