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Overseas Mediclaim Employment and Studies - National Insurance

National Insurance overseas mediclaim employment and studies policy is for those who are going abroad on employment and study. It covers various travel emergencies faced whilst abroad.

Policy typeTravel insuranceInsurerNational Insurance Company LimitedClaim deductibleThe first USD 100 of every claim is borne by the traveller.
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Quick eligibility check

Overseas Mediclaim Employment and Studies - National Insurance

0 of 3 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Available to citizens of India, Nepal or Bhutan travelling abroad for business or holiday, and foreign nationals working in India for Indian employers or multinational organisations and paid in Indian rupees?

Published source: Eligibility

2Do you meet this requirement: Travellers over 70 on journeys longer than 60 days must submit an ECG and fasting blood sugar or urine-strip test?

Published source: Eligibility

3Do you meet this requirement: without these reports cover is restricted to USD 10,000?

Published source: Eligibility
0 of 3 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Overseas Mediclaim Employment and Studies official banner
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typeTravel insuranceView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
Source
Overseas Mediclaim Employment and Studies - National Insurance
Page / section
Product title and current official product page
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
InsurerNational Insurance Company LimitedView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
Source
Overseas Mediclaim Employment and Studies - National Insurance
Page / section
Product title and current official product page
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Overseas Employment/Studies coverPlans C (worldwide excluding USA/Canada), D and D1 (worldwide including USA/Canada) provide illness cover of USD 150,000/150,000/500,000, medical evacuation and repatriation of USD 10,000 each, and emergency reunion of USD 5,000. Sponsored students receive contingency insurance of USD 750 for each completed study month.View source
The official Highlights table publishes plan regions and limits.
Source
Overseas Mediclaim Employment and Studies - National Insurance
Page / section
Highlights — Plans C & D
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Overseas Employment/Studies conditionsChecked-baggage loss is covered up to USD 1,000 and baggage delay up to USD 100. The first USD 100 of all claims is borne by the traveller; pre-existing disease is excluded. For travellers above 70 years on journeys over 60 days, medical reports are required, otherwise cover is restricted to USD 10,000.View source
The official Highlights, Exclusions and Covered sections publish baggage limits, deductible, exclusions and senior-traveller conditions.
Source
Overseas Mediclaim Employment and Studies - National Insurance
Page / section
Highlights / Exclusions / Covered
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Sum insured / plan limitsPlan C (worldwide excluding USA/Canada) and Plan D (worldwide including USA/Canada) each provide USD 1,50,000 illness cover; Plan D1 provides USD 5,00,000. Medical evacuation and repatriation are USD 10,000 each, emergency reunion USD 5,000, sponsored-student contingency USD 750 per completed study month, checked-baggage loss USD 1,000 and baggage delay USD 100.View source
The official plan table lists illness, evacuation, repatriation, reunion and contingency limits, followed by checked-baggage limits.
Source
Overseas Mediclaim Employment and Studies - National Insurance — official product page
Page / section
Highlights — Plans C & D — all figures in
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
CoverageOverseas travel medical cover includes illness, medical evacuation, repatriation and emergency reunion, with baggage loss/delay and sponsored-student contingency benefits. Claims assistance is provided internationally and eligible claims may be paid directly to overseas doctors/hospitals in foreign currency.View source
The page describes overseas medical/emergency cover, baggage benefits, assistance and foreign-currency claim settlement.
Source
Overseas Mediclaim Employment and Studies - National Insurance — official product page
Page / section
Highlights; Claims Procedure; Covered
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Claim deductibleThe first USD 100 of every claim is borne by the traveller.View source
The page states that the first USD 100 of all claims is to be borne by the traveller.
Source
Overseas Mediclaim Employment and Studies - National Insurance — official product page
Page / section
Product summary; Covered
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsPre-existing diseases/illnesses, travel against medical advice or for medical treatment/routine check-up, suicide or intentional self-injury, mental disorder, alcoholism/drug abuse, HIV-related illness including AIDS, and winter sports, mountaineering and adventure sports are excluded.View source
The official exclusions section lists these disease, conduct and activity exclusions.
Source
Overseas Mediclaim Employment and Studies - National Insurance — official product page
Page / section
Exclusions
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
EligibilityAvailable to citizens of India, Nepal or Bhutan travelling abroad for business or holiday, and foreign nationals working in India for Indian employers or multinational organisations and paid in Indian rupees. Travellers over 70 on journeys longer than 60 days must submit an ECG and fasting blood sugar or urine-strip test; without these reports cover is restricted to USD 10,000.View source
The official page identifies eligible travellers and the over-70/over-60-day medical-report condition.
Source
Overseas Mediclaim Employment and Studies - National Insurance — official product page
Page / section
Claims Procedure; Covered
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsOverseas travel medical cover includes illness, medical evacuation, repatriation and emergency reunion, with baggage loss/delay and sponsored-student contingency benefits. Claims assistance is provided internationally and eligible claims may be paid directly to overseas doctors/hospitals in foreign currency.View source
The manually reviewed product record states: “Overseas travel medical cover includes illness, medical evacuation, repatriation and emergency reunion, with baggage loss/delay and sponsored-student contingency benefits. Claims assistance is provided internationally and eligible claims may be paid directly to overseas doctors/hospitals in foreign currency.”.
Source
Overseas Mediclaim Employment and Studies - National Insurance — official product page
Page / section
Published product metadata
Accessed
15 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Overseas travel medical cover includes illness, medical evacuation, repatriation and emergency reunion, with baggage loss/delay and sponsored-student contingency benefits. Claims assistance is provided internationally and eligible claims may be paid directly to overseas doctors/hospitals in foreign currency.

Eligibility

  • Available to citizens of India, Nepal or Bhutan travelling abroad for business or holiday, and foreign nationals working in India for Indian employers or multinational organisations and paid in Indian rupees. Travellers over 70 on journeys longer than 60 days must submit an ECG and fasting blood sugar or urine-strip test
  • without these reports cover is restricted to USD 10,000.

Passing a listed condition does not mean the bank will approve an application.

Related official documents

Overseas Mediclaim Employment and Studies - National Insurance — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Overseas Mediclaim Employment and Studies — Bank of Baroda official product pageofficial-product-page · current · accessed 29 Aug 2026
↗

Plan before applying

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Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

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Medical reports · Business / holiday pageOver 70 years and journey over 60 days: ECG plus fasting blood sugar or urine-strip test

This value is copied from Overseas mediclaim — published constraints. Check the table notes before relying on it.

Source: Overseas Mediclaim Business and Holiday — Bank of Baroda official product page · Covered; Claims Procedure; corresponding Employment and Studies sections Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 3 columnsOverseas mediclaim — published constraintsConditions that the Bank of Baroda pages publish even though they do not publish a general term, age limit or premium table.View tableHide table

Scroll sideways to view every column

Overseas mediclaim — published constraints
ConditionBusiness / holiday pageEmployment / studies page
Medical reportsOver 70 years and journey over 60 days: ECG plus fasting blood sugar or urine-strip testOver 70 years and journey over 60 days: ECG plus fasting blood sugar or urine-strip test
Without medical reportsCover restricted to USD 10,000Cover restricted to USD 10,000
Claim deductibleFirst USD 100 of every claimFirst USD 100 of every claim
Premium statementPayable in except employment; amount not publishedPayable in except employment; amount not published
  • The full official pages were reviewed; no linked brochure or rate table was exposed in the page content. Plan benefit limits remain in each product's existing source table.
Overseas Mediclaim Business and Holiday — Bank of Baroda official product page · Covered; Claims Procedure; corresponding Employment and Studies sections · accessed 29 Aug 2026Open official source ↗
Table 2 · 7 rows · 2 columnsNational Insurance overseas employment/studies plan limitsPlan limits and conditions transcribed from the current Bank of Baroda product page.View tableHide table

Scroll sideways to view every column

National Insurance overseas employment/studies plan limits
Plan / benefitPublished limit or condition
Plan C — worldwide excluding /CanadaIllness USD 1,50,000; evacuation USD 10,000; repatriation USD 10,000; emergency reunion USD 5,000
Plan D — worldwide including /CanadaIllness USD 1,50,000; evacuation USD 10,000; repatriation USD 10,000; emergency reunion USD 5,000
Plan D1 — worldwide including /CanadaIllness USD 5,00,000; evacuation USD 10,000; repatriation USD 10,000; emergency reunion USD 5,000
Sponsored-student contingencyUSD 750 for each month of study completed
BaggageChecked-in loss USD 1,000; delay USD 100
Claim deductibleFirst USD 100 of every claim borne by traveller
Older traveller conditionOver 70 years and journey over 60 days: ECG plus fasting blood sugar/urine-strip test; without reports cover restricted to USD 10,000
  • The page does not publish a fixed premium or policy-term number for these travel plans; those remain quote/trip dependent.
Overseas Mediclaim Employment and Studies - National Insurance — official product page · Highlights; Exclusions; Covered · accessed 29 Aug 2026Open official source ↗

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