why
health insurance?
This
policy has been designed to reimburse medical expenses incurred
by the insured person
in Government or Private
hospitals as an inpatient. The policy can be extended to cover reimbursement
of outdoor expenses.
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ISO
9001:2000 Certificate
Registered Date : 22 August 2006
Mediclaim
Insurance
UIC has introduced "International Travellers Mediclaim
Policy" with wide coverage at moderate premium rate. The range
of covers
and arrangement have been briefed for the informations.
COVERS
A.
Personal Accident
In
case the Insured suffers any kind of Losses resulting from an Accident:
(such as Death, Loss of Limb(s), Loss of Sight or Permanent Total
Disablement) the insured would be covered as per the Schedule of
Cover.
B.
Emergency Medical and Air Ambulance Expenses
In
case of hospitalization, the insured would be reimbursed up to the
amount shown in the Schedule of Cover. In case of Emergency Medical
Expenses required for any medical, surgical, hospital, nursing home,
emergency dental charges (up to US $ 150 for immediate relief of
pain only) incurred while the insured is on an overseas trip and
authorized by the attending physician.
C.
Hospital Benefit
The
insured will be given an additional benefit of US $ 10 for each
24 hours for maxium of 10 days in case the insured is an in-patient
in a hospital, as a direct result of an accident injury or illness
which is covered under section B.
D.
Loss of Checked Baggage
In
case the insured suffers a total loss of Baggage that has been checked
by an International Airlines for an international flight the loss
would be reimbursed as per the Schedule of Cover.
E.
Delay of Checked Baggage
The
insured would be reimbursed for the cost of purchase of essential
items, up to the amount, as shown in Schedule of Cover, should the
baggage be delayed in transit on the outward journey for more than
12 hrs. The insured must supply receipts for the items purchased
and confirmation from the carrier of the length of and reason for
the delay.
F.
Loss of Passport
The
insured would be reimbursed of all actual expenses up to the
limit of cover shown in the Schedule of Cover which are necessarily
& reasonably incurred by the insured person in connection with
obtaining permits to travel in event that the Insured losses the
passport.
G.
Personal Liability
The
insured would be benefited as per the Schedule of Cover for the
legal liability of the insured for the accidental injury to third
parties and/or accidental.
IMPORTANT
POINTS
This
policy should be read carefully. It gives full details of what is
and is not covered and the conditions and exclusions of the cover.
Failure to comply with them will prejudice an Insured's liability.
Health
Conditions
1.
Nature
of Coverage: This policy is not a general health insurance
policy. Coverage is intended for use by the Insured in the event
of a sudden and unexpected sickness or accident arising when
the Insured is outside of his Home Country.
2.
Pre-existing
Exclusion: This policy does not cover claims for any
medical services arising from a Pre-Existing Medical Condition
as defined in this document.
3.
General
Health Exclusion: No claims under this policy will
be paid where the Insured:
a.
is
travelling against the advice of a Physician;
b.
is
receiving, or on a waiting list for treatment, or awaiting the
results of medical tests or investigations for medical treatment
declared by a Physician; or
c.
is travelling for the purpose of obtaining treatment; or
d.
has
received a terminal prognosis for a medical condition.
Repatriation
The
Insurers reserve the right to repatriate when in the opinion of
the doctor in attendance and the insurers' Medical Advisors, the
Insured is fit to travel.
Policy
Limits and Excesses
This
policy has specific limits upto US $ 100,000. All claims will be
subject to an excess. This means that the Insurers will not be liable
for the first part of the claim. The amount of the excess has to
be paid by the Insured.
Eligibility
This
policy is valid for residents of the Kingdom of Nepal who are 70
years and under at inception. However, United Insurance
Co. (Nepal) Ltd. reserves the right to issue policies under
such cases.
Non-Nepalese
citizen residing in Nepal can also avail this policy provided their
journey commences and terminates in Nepal.
WHAT
TO DO IN THE EVENT OF A MEDICAL EMERGENCY
Speciality
Assistance Services (SAS), MUST be contacted immediately, in the
event of an Insured dying, incurring medical expenses, being involved
in an accident, or being admitted to hospital. Insurers will not
be liable for any costs without the expressed prior approval os
SAS.
For
non-emergency claims SAS should be contacted upon return to the
Insured's Home Country and a claim form obtained. This document,
together with invoices, travel documents and any other relevant
details must be sent to SAS. Please note that if medical treatment
has been received, medical certificates showing the nature of the
injury or illness together with all bills, and receipts if already
paid, should also be attached and returned to SAS within 31 days
of the Insured's return to his Home Country.
SAS
will provide a complete medical assistance service to the Insured.
Operating 24 hours a day 365 days a year, SAS provides effective
medical assistance for the Insured. Following are the contact details
incase of Emergency Assistance:
Making
a Claim
As
soon as possible after the incident has occurred. You must do this
within 31 days of your return home.
You
can request a claim form by writing to, or by telephoning:
Specialty
Claims (SAS)
Wickfield
House, 18-22 Disney Place, London SEI 1HJ (please do not send in
any documents at this time)
Tel: + 44 (0) 20 7939 9650, Fax: + 44 (0) 20 7407 9206
EXCLUSIONS
APPLICABLE TO ALL SECTIONS OF THE INSURANCE
The Insurers shall not be responsible for
claims arising:
1.
directly
or indirectly by, happening through or in consequence of war,
invasion, terrorism, acts of foreign enemies, hostilities (whether
war be declared or not), civil war, rebellion, revolution, insurrection,
military or usurped power of confiscation or nationalisation,
or requistion or destruction of, or damage to property by or
on the order of any Government, Public or Local Authority except
as specifically provided herein to the contrary;
2.
from
loss or destruction of, or damage to any property whatsoever,
or any loss or expense whatsoever resulting in or arising therefrom,
or any consequential loss of any legal liability of whatsoever
nature, directly or indirectly caused by or contributed to,
or arising from:
(a)
ionising radiation or contamination by radioactivity from any
nuclear fuel or from any nuclear waste from the combustion of
nuclear fuel or from any nuclear waste from the combustion of
nuclear fuel; or
(b)
the radioactive, toxic, explosive or other hazardous properties
of any explosive nuclear assembly or nuclear component thereof;
3.
from
Acquired Immune Deficiency Syndrome (AIDS) or AIDS related
complex and/or any illness arising as complications from these
conditions;
4.
from
the Insured engaging in any illegal or criminal act;
5.
from
any consequential loss whatsoever. Claims shall only be paid
for those losses which are specifically stated under the terms
of this insurance;
6.
directly or indirectly out of financial incapacity of the
Insured;
7.
which but for the existence of this insurance, would be covered
under any other insurance policy(ies), including any amounts
recovered by the Insured from private health insurance, any
reciprocal health agreements, airlines, hotels, home contents
insurers or any other recovery by the Insured which is the
basis of a claim;
8.
from the Carrier or any other company, firm or person either
becoming insolvent, or being unable or unwilling to fulfill
any part of their obligation of the policy;
9.
any
activity that requires a degree of skill or involves a greater
risk including but not limited to all Wintersports (other
than snow skiing when an additional premium is paid), racing
(other than on foot), mountaineering with the use of ropes,
pot-holing, caving hang-gliding, micro-lighting, paragliding,
parachuting, bungee-jumping, diving with the use of breathing
apparatus, go-karting, motor racing or motor cycling above
50cc;
10.
from sucicide or attempted suicide or wilful exposure to danger
(except in an attempt to save human life), mental disorder,
stress or depression, veneral infection or the influence of
or in connection with the use of alcohol or drugs, unless
as prescribed by a treating doctor;
11.
from an Insured being in or entering or descending from an
aircraft other than a fully licensed passenger carrying aircraft
in which an Insured is travelling as a passenger and not for
the purpose of undertaking any trade or technical operation
therein or thereon;
12.
from
the Insured's exposure to a peril. The Insured must exercise
reasonable care to prevent illness, injury or loss or damage
of his property as if uninsured;
13.
directly
or indirectly from the Insured being engaged in any manual
employment after the commencement of the trip;
14.
which
have not been conclusively proven and the amount thereof substantiated.
15.
as
a result of any loss, damage, expense or liability of whatever
nature which might otherwise be recoverable under this insurance
arising out of or in any way connected with, whether directly
or indirectly, the use or operation of any computer, computer
system, computer software, programme or any electronic system
where any such loss, damage, expense or liability arises,
whether directly or indirectly, as a consequence of:
(i)
the
date change to the year 2000 or any other date change and/or;
(ii)
any
change or modification of or to any such computer, computer
system, computer software, programme or process or any electronic
system in relation to any such date.
car
safe policies
Covers
the vehicle
comprehensively against all types of losses and damages including
liability to third parties in respect of bodily injury, death or
property damage.
house
protection
Under
this insurance
the Company will indemnify the Insured against loss or damage to
the House & Household contents.
group/family
hospitalization policy
This
scheme is introduce on
the occasion of its 10th anniversary in view of the increasing need
of Health insurance with wide coverage at economical premium rate..
covers
and arrangement have been briefed for the informations.
limit of cover shown in the Schedule of Cover which are necessarily
& reasonably incurred by the insured person in connection with
obtaining permits to travel in event that the Insured losses the
passport.
