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• Is there a cap on the hospital amount per day?
  Yes, in certain policies there is a cap on the hospital amount per day. Please refer to our limits of liability benefit for further details or ...
• Is medical examination necessary for travel insurance policy? When and where are medical tests to be done?
  You will find plans on insurancepandit.com which offer cover without medical tests for all ages. But,medical tests are required for certain age groups and sum ...
• I am over 70 years old. Do I need to take medical tests?
  Now, travel insurance plans without medical tests are available for all ages, even above 70 years.You can check these plans at http://www.insurancepandit.com/travel/travel_insurance.php ...
• Is there any travel insurance plan without Medical Cover?
  Yes, overseas student travel insurance plans without medical cover are available (only for students) as some foreign universities offer their own medical insurance. ...
• Is there any travel medical insurance plan which covers Drug Abuse, Cancer Screening, Inter collegiate sports, child care, Mental & nervous disorders, pregnancy?
  Yes, Plans are available only for students under ICICI Lombard, Reliance, Tata AIG and Cholamandalam (student travel insurance plan). http://www.insurancepandit.com/travel/travel_insurance.php ...
• If I lose my passport, will that be covered under overseas medical insurance?
  Yes, most of the travel insurance plans cover loss of passport as well as the expenses incurred towards the procurement of a duplicate/temporary passport. Please ...
• Is there a cover for pre-existing medical conditions?
  Pre existing diseases are excluded from the scope of travel health insurance policies. But some companies namely Religare(cover up to 10% of the sum insured) and ...
• In case medical treatment is required, is there any need for any pre-approval before hospitalization?
  You would need to contact insurer’s TPA (the address and phone numbers of TPAs are given in our claims assistance and forms section) and they ...
• In case I lose my baggage, how do I claim?
  TPA has to be contacted to register the claim. You will have to submit the baggage loss claim form along with the supporting documents from ...
• If I am evacuated on grounds of medical reason, can I continue my treatment in India?
  If recommended by the claims administrator and subject to the medical sum assured remaining, you can be indemnified in respect of the medical expenses incurred by you within India ...
• Is travel insurance mandatory for all countries?
  Travel insurance is mandatory for Schengen visa countries. The Schengen visa basically allows the visa holder to travel to any (or all) member countries using ...
• Is there an Income Tax exemption on the premium? If yes, under which section and what is the Income Tax exemption limit?
  Yes, Premium paid for mediclaim policy is eligible for tax deduction under section 80 D of the Income Tax Act.As per current IT rules you ...
• I am not keen to avail of Cash less facility. Can I go in for reimbursement?
  Yes. Under the Mediclaim Policy, you can opt for Cash Less as well as Reimbursement. We would advise that in case you are taking treatment ...
• In case of part settlement can an insured claim for the balance amount?
  Normally, part payments are made due to deficiency of documents or for expenses which are not covered under the policy. In case of the former ...
• Is pregnancy covered in overseas health insurance policy?
  No, infact it is one of the exclusions of travel health insurance.  However in the event of acute complications in the course of pregnancy ,IFFCO TOKIO overseas ...
• Is maternity covered in health insurance policies?
  Most of the companies do not cover maternity and related conditions but some companies like Apollo Munich, Max Bupa have specific plans which cover maternity ...
• I am going for pilot training. Does my overseas health insurance cover medical expenses to treat the injuries sustained during the training period?
  No, your overseas health insurance policy does not cover the medical treatment for injuries sustained during training. You will have to get it covered specifically ...
• In case of family floater health insurance what happens if the primary insured person expires? Can the policy be renewed by any of the surviving members of the policy? Also, As my age increases can i migrate from family floater to individual plan?
  If the primary insured person expires, the other Insured Persons may apply to continue the Policy within 30 days of his/her death provided that they have identified ...
• I am looking at some of the travel insurance plans and some of them cover up to $200,000, but on the same note, it says hospitalization maximum limit is $25 per day.Can you please clarify this?
  This daily limit is daily hospitalisation allowance besides hospitalization expenses. Medical expenses limit is $200000 subject to sublimits if any . ...
• If my No Claims Bonus (NCB) has been earned in another country, is it still acceptable?
  An insured may be granted NCB on a new policy taken out in india as per entitlement earned abroad,provided the policy is taken out in ...
• If I am buying a new car, how do I transfer my existing policy over to the new vehicle?
  If you are buying a new car and want to transfer your existing policy over, you would need to contact us at our customer services ...
• I have already left india and forgot to take travel health insurance,can I still buy?
  No, since you have already left India, this is not possible. You can however look for insurance in the country you have travelled to. ...
• I have to visit USA and Canada for a few days and then any place excluding USA and Canada ,what coverage area should I choose?
  As travel health insurance is expensive for USA and Canada and cheaper for countries excluding USA and Canada and if a person has to visit both ...
• Is there any tax benefit under Personal Accident cover?
  There is no tax benefit for the premium paid under PA cover. ...
• I am already having health insurance and want to increase sum insured,what should i do.
  You can take super top up plan and increase your sum insured to desired level.For details please visit the link given below. http://www.insurancepandit.com/health/health_insurance_top_up.php ...
• I am looking for a single health insurance floater policy which can cover my parents or in laws too?
  You can take oriental insurance happy family policy which covers in single sum insured whole family including your parents or in laws.For details you can ...
• Is cosmetic surgery covered under Doctor professional indemnity insurance?
  NO it is not covered. ...
• I have made payment for instant travel insurance policy and the amount has been deducted from my account but I have not received the policy. What should I do?
  In some companies like Bajaj and HDFC Ergo, when you make payment, a transaction number is generated. Kindly note that down and in case your ...
• I want to take a travel insurance and want to know how will you deliver the policy?
  If you opt for instant travel insurance plans, the policy will be e mailed to you instantly on making payment through your preferred mode of ...
• I have opted and paid for instant insurance policy on your website and the amount has been deducted from my account but I have not received the policy. What should I do?
  In some companies like Bajaj and HDFC Ergo, when you make payment, a transaction number is generated. Kindly note that down and in case your ...
• I have sent in the filled proposal form and paid for my health insurance policy. When will I receive my policy document and health cards?
  Generally, once you have submitted the proposal form and medical tests if required and made payment, you  receive your policy on email within 2 working days and another ...
• I have taken a travel insurance policy but my travel dates have changed(postponed). Can I use the same policy?
  If you wish, you can use the same policy if your travel start date is within 15 days of the policy start date. Or you ...
• I have received my policy on email but hard copy is still awaited. What should I do?
  Normally, it takes 2-3 working days for the hard copy to reach you through courier or speed post. You can track the same using the ...
• I have received my policy but there are mistakes in spellings of names, address etc. What should I do?
  You can put in a service request using the link given below: http://www.insurancepandit.com/support/service_request.php ...
• I have taken an instant travel insurance policy but there are some mistakes like spelling, address, passport no., nominee name. What can I do?
  You can put in a service request using the link given below: http://www.insurancepandit.com/support/service_request.php You will get the endorsement on the same day if your policy has not ...
• I have purchased two policies but my bank statement shows that the amount has been deducted thrice. What should I do?
  In such a case, please mail us your statement showing the transactions and we will get your transaction reversed. ...
• I have been refused visa/ I have cancelled my visit and want to cancel my travel insurance policy. What should I do?
  You can put in a service request using the link given below requesting for cancellation of the policy citing reasons for cancellation. http://www.insurancepandit.com/support/service_request.php If you request for ...
• I want to take a travel insurance policy and want to know how will you deliver the policy?
  If you opt for instant travel insurance plans, the policy will be e mailed to you instantly on making payment through your preferred mode of ...
• I have placed an order for insurance on your site. While going to the payment page,there was a problem with my internet connection/ computer. Do I have to place the order again?
  No, your order is saved and you can retreive it. You can either access it from the order confirmation mail that we send you when ...
• I want to take an insurance policy from your website and want to know how will you deliver the policy?
  The policy will be emailed to you and also delivered through courier or speed post depending upon your location. ...
• I have taken a rental car abroad. Is the damage to the rental vehicle covered under overseas health insurance policy?
  No, it is one of the exclusions of the policy. Kindly refer the policy wording for further details. ...
• I have purchased tickets for my overseas trip and my travel itinerary is final. When should I buy my travel insurance policy?
  Once you have purchased the air tickets and/or made hotel and other bookings, you have already spent a large chunk of your trip budget. It ...
• I am going on Kailash Mansarover yatra. Can I get travel health insurance for it? I have China visa.
  No, Indian insurance companies do not provide travel health insurance for this yatra. ...
• I am currently covered under group health insurance along with my family members. Can I switch to an individual or family floater plan?
  Yes, with the launch of health insurance portability from 1st october,2011,you can switch from group health policy to individual or family floater with the same ...
• I want to avail the benefits of portability and switch my health policy to another insurer. What is the procedure for that?
  For this as per IRDA guidelines, a policyholder should apply to the insurance company at least 45 days before the premium renewal date of the existing policy. And ...
• I have cancelled my overseas trip due to medical reasons. Should I cancel my policy?
  You must first check if your policy has trip cancellation clause. If the policy has this benefit, you can claim under the same. The Company ...
• I have purchased a family travel insurance policy for sum insured US$50000. Does this mean coverage of US$50000 for each member or is it US$50000 coverage for all of us together?
  The coverage is for all of you together and not per person. This means that in any case, the total amount payable in case of ...
• In India, can we purchase more than one health insurance policy?
  Yes, one can purchase more than one health insurance policy. In that case, when a claim occurs, it will be paid proportionately by these policies. ...
• Is War risk covered under the Marine policy?
  Yes ,generally the War Risk is covered under Marine Policy but the insurance company charges specificied rate as per norms, to cover the insured goods against risk ...
• Is storage at warehouse coverage included in the marine Transit policy?
  The marine transit insurance policy does not cover goods temporarily stored during the normal course of transit. If goods are stored outside the normal course of transit ...
• I am participating in a car rally. Will my current car insurance policy hold good or do I need to get it endorsed? Or do I need to buy a separate policy for it?
  You can get your current policy endorsed with IMT31. For this, the insurance company will generally ask for the following documents: Registration form; Entry form; ...
• I had health insurance 4 years back. How can I renew it?
  You can renew your health policy only within 15 days of expiry of the previous policy(as per IRDA regulation).The company may at its discretion allow ...
• I am a professional sportsperson going abroad for participating in a sports meet. Will my overseas travel insurance hold good?
  Your normal overseas health insurance policy will be loaded by 100% if you are a professional , semi professional , amateur sportsperson and are participating ...
• Is travel insurance available for an infant?
  Yes, travel insurance is available for an infant aged 1 day and above. You can get the same on our website. http://www.insurancepandit.com/travel/travel_insurance.php ...
• Is travel health insurance taken in India for a PIO or OCI card holder residing in India valid in USA?
  Yes, provided the person has been living in India for more than six months. ...
• Is travel health insurance cashless or on a reimbursement basis?
  If the claim amount for medical expenses is less than US$500, the amount will be reimbursed in India, after submitting all the requisite documents and in case it ...
• Is OPD consultation covered in overseas health insurance? If yes, what will be the steps required?
  Yes. You can get the expenses reimbursed on submitting the requisite documents and claim form on your return to India. For further details, kindly refer ...
• I am going to Canada on permanent resident(PR) status and need insurance for 90 days. What are the options available?
  For Immigrant travellers, travel health insurance options available are: Reliance General               For maximum 60 days Bharti Axa          ...
• Is the policy of IFFCO- TOKIO acceptable in Schengen visa requirement?
  Yes, IFFCO Tokio travel insurance plans are acceptable for Schengen visa requirement. Given below is  the  approved list of Indian travel insurance companies for Schengen visa insurance.   COMPANY ...
• I am diabetic since last 7 years, (on insulin since last one year), Have undergone angioplasty in Feb 2017. There are no medical illness options except only writing once.Why can’t you have additional illness options in your drop down option?
  This is a general list of certain specified illnesses for which most of the insurers do not provide coverage.  So, just to show you suitable insurance plans, the ...
• I am getting the message that no plans are available. What should I do now?
  You can change your search criteria like if you are selecting a family option for age above 60, you may not get any plans; then you should ...
• In case during our stay we have to go to dentist or general physician for any viral fever/stomach pain etc, how to go about it? These ailments can happen to anybody at anytime and anywhere.
  Your travel insurance plan covers outpatient care and dental care as well (subject to terms and conditions of the policy). For sum insured or coverage, you must ...
• Is BP a pre existing medical condition?
  Yes, high or low blood pressure is a pre existing medical condition. ...
• Is the premium for travel insurance to be paid periodically or is it just a one-time payment?
  Premium for travel insurance is a onetime payment for the period of travel specified. ...
• I am travelling from India with my 21 year old son and my husband is joining from Dubai, can we go for a family policy (worldwide except US and Canada)? Or do we need to take three individual policies for our visit to Europe for 10 days.
  You can take a family travel insurance policy for yourself and your son. Your husband will have to take an insurance cover from Dubai as Indian travel ...
• I am a Dutch national (The Netherlands passport holder) with an OCI card currently living in India for more than 11 months. I want to visit the Netherlands for nearly two months. Will the quoted insurance policy cover me? Please suggest.
  Overseas travel insurance does not provide coverage for the country you are a resident of. ...
• Is there any tax benefit like 80D available on overseas mediclaim policies?
  No, overseas mediclaim policies do not have 80D tax benefits. ...