Content with PRODUCTS .
Is there a cover against Visa refusal?
In case of Visa Refusal by Visa Facilitation service, the Company will make payment/reimbursement of expenses incurred by the insured person towards processing of visa application.
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 one single visa, thus avoiding the hassle and expense of obtaining individual visas for each country. This is particularly beneficial for persons who wish to visit several European countries during the same trip.
Travelers obtain the visa from the Consulate of the country of their main destination. If your main destination cannot be determined, the country you first enter is responsible for granting your visa.
Even if you are travelling to countries where travel health insurance is not mandatory, it would be wise to carry traveler’s insurance as it protects the traveler in the event of emergencies or circumstances that create any type of interruption or disturbance in the trip plans. Travel insurance is basically a means to minimize the financial risks that can occur due to Medical emergency , Trip Cancellation/Interruption , Passport loss and legal expenses , Events like delay or missed departure , loss or delay in arrival of baggage, Loss of cash, or valuables etc
Who can take Group Overseas Travel Insurance?
Any homogeneous group/association/ institution/corporate body subject to a minimum group size of 7 persons can buy a Group Overseas Travel Insurance for person going abroad for the purpose of vaccation, business or education.
How and where can I register a claim? What are the documents required?
Please refer to the claims procedure as detailed in the Terms and Conditions for complete details of the claims process and the list of documents to be submitted for registering a claim.
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 to continue medical treatment started outside India, immediately prior to any medical Evacuation. The company’s liability to make payments shall be limited to 45 days from the date the Injury or Illness was sustained or first contracted, provided that the illness/injury is sustained or contracted within the period of insurance during the trip abroad.
Can I continue my treatment of the disease which happened during my travel abroad, in the home country, after expiry of my policy?
If the Third Party Administrator (TPA) advises that the continued treatment in the republic of India is appropriate, then the company will pay the medical expenses incurred in India for the same illness/injury contracted abroad following the transportation to India, for a maximum period of time of 45 days from the date the Injury or Illness was sustained or first contracted, provided that the illness/injury is sustained or contracted within the period of insurance during the trip abroad.
What if in an emergency I don't have time to call up?
TPA should be contacted by any person within 48 hours and given the details about the insured.
From where can I get the claim form to make a claim?
Generally the claim form is provided in the travel kit with the policy itself and in the event of a claim, is to be submitted as per instructions provided in the Policy and Claim Handling procedure of the company.
You can also obtain or download it from company’s website www.manipalcigna.com (visit download section).
What is EASP (Emergency Assistance Service Provider)?
Emergency Assistance Service Provider or “EASP” means a Third Party Administrator or any organization or institution appointed by the Company, as an independent contractor, for providing services to the Insured Person for an Insured Event covered under this Policy. EASP shall also include any Medical Practitioners empanelled by the EASP for seeking Medical Advice or opinion.
My mother has diabetes and she needs to take insulin injection every day. Is that covered in overseas medical insurance?
A pre-existing medical condition will be covered if it is specifically mentioned in the policy certificate/certificate of insurance.
How do I know the limit of each type of expenses, what expenses are covered or not?
You can know the limits and coverage by referring to the policy schedule. The general coverage and exclusions are also given in the policy terms and conditions available on our portal www.manipalcigna.com (visit download section).
What is Golf Hole in One cover?
If a person declares to be a winner of a “Hole –in One” at any internationally recognized golf course, you're covered for the expense incurred on traditional round of drinks in the clubhouse offered as part of celebration.
Is there any protection against loss/theft/fraud of Debit/Credit/Forex card?
If you are going abroad and worried about card fraud or theft of your Debit/Credit or Forex Card, ManipalCigna offer optional cover to get protection against financial losses incurred due to loss/theft of Debit/Credit or Forex Card in a Country of Visit.
Is there a cover for Loss of Passport?
Yes, there's an optional cover to claim for the replacement costs, issuance of duplicate or fresh passport and replacing lost travel documents in case original is lost or stolen during your travel abroad.
What covers are available for discontinuance of study?
Going abroad for pursuing higher education is a dream of many students. To eliminate the odds of the financial risk arising out of any unpredictable and unfortunate instances ManipalCigna Overseas Group Travel Insurance plan offers 2 options to take protection against discontinuance of study.
Option 1
Study Interruption: In the event of any prolonged interruption/ discontinuance of studies at an educational institution due to death of any immediate family members or hospitalization of Insured person for 2 or more consecutive months because of life threatening condition or emergency medical evacuation , Company shall pay/ reimburse any tuition fees paid to any competent educational institution.
Option 2
Sponsor Protection: In the event of death of education sponsor of an insured person who is a student pursuing a full time educational course in the country of visit, the company shall reimburse remaining unpaid tuition fees upto the limit specified.
What is STD Cover?
It is an optional cover wherein company is liable to pay/ reimburse medical expenses towards Emergency Care if the Insured Person suffers an Illness or Injury which is directly or indirectly attributable to any sexually transmitted disease. This benefit is available only if Medical Expenses (Benefit I) is opted from Base Cover.
What is Home to Home Cover?
During transit when the customer leaves from the place of residence to the port in India to board a common carrier or on his way back home, if he suffers injury due to an accident and such injury leads to the death or disablement, company will be liable to pay/reimburse the percentage of Sum Insured as specified in the policy certificate.
Are Pre-existing conditions covered in the travel policy?
A pre-existing condition is defined as any injury, illness, sickness, disease, or other physical, medical, mental or nervous condition, with reasonable medical certainty, existed before commencement of Trip.
ManipalCigna Overseas Group Travel Insurance offers coverage for medical expenses incurred due to complication arising out of a Pre-Existing Disease or Condition which requires Emergency Care in a country of visit whilst on trip, till the Insured Person becomes medically stable or till the insured person get discharged from the hospital and return back to place of origin.
What is Cruise Cover?
This cover specifically caters to pay /reimburse losses incurred due to cruise Trip interruption, Missed Port Departure, Unused Excursion in the country of Visit.
Missed Port Departure would mean Company shall pay/reimburse reasonable costs incurred towards any alternate accommodation booking and travel bookings in reaching the next Port at which the Common Carrier shall dock for the same Cruise.
Unused Excursions provides coverage towards cost of any on-shore excursions booked in advance forming a part of the trip, which such insured person was unable to utilize and which are not recoverable from any other source.
Cruise Interruption would provide coverage for reasonable costs incurred towards any alternate travel bookings in reaching the next port at which the Common Carrier shall dock for the same Cruise.
What is Financial Emergency Assistance?
Whist on a trip due to any theft ,mugging, robbery, docoity or pilferage of money , if the insured person need any financial assistance, the ManipalCigna willl contact relatives in India/ Country of Origin to provide emergency cash as per his/her requirement.