Overseas Travel Policy is the insurer's comprehensive international travel insurance product, covering varied insurance needs of travellers going abroad for holiday or business. Choose from three region plans — Asia (excl. Japan), Worldwide (excl. USA & Canada), or Worldwide (incl. USA & Canada) — with sum insured options up to USD 5,00,000, on single-trip or annual multi-trip basis.
the insurer Travel· Overseas Travel Policy· Rate Chart PDF Oct 2024
"Overseas Travel Policy is a comprehensive travel product covering varied insurance needs of international travelers going on holiday or business Trip outside India." —. NOTP is the insurer's current-generation international travel insurance product, replacing the older "Overseas Mediclaim Business and Holiday" branding with an expanded, modernised benefit structure.
Asia (excl. Japan), Worldwide (excl. USA & Canada), and Worldwide (incl. USA & Canada) — confirmed plan summaries listed directly on the insurer's own page, letting you match coverage (and cost) to your actual destination.
Destination-Matched Pricing"Pet care cover for sudden illness of the pet belonging to the Insured Person in the Republic of India is available for the period the Insured Person is on the covered trip." — the insurer's own page. An unusual, thoughtful inclusion rarely seen on competing travel policies.
Uncommon Inclusion"Home Burglary Cover for loss of or damage to the contents in the home in India, caused by actual and/or attempted Burglary during the policy period while the Insured person is on a Covered Trip." — the insurer's own page — protecting your home while you're away, not just your trip.
Protects Home, Not Just Trip"Minor children care for children travelling with the Insured Person who are left unattended during insured hospitalization." — the insurer's own page — addressing a genuinely difficult scenario for travelling families.
Family-Oriented"Emergency Cash Advance for Sum Insured options 50,000 USD and above." — the insurer's own page — practical liquidity support during a crisis abroad at higher SI tiers.
SI ≥ USD 50,000"Automatic extension of the Policy Period is granted upto a period of 7 days for necessary extension after expiry of policy period." — the insurer's own page — coverage continuity if your return is unavoidably delayed.
Built-In Bufferfrom
"Note - The above coverages & limits are based on selection of Region of visit and Plan type." — the insurer's own page. Three distinct region-based plan summaries are listed directly on the insurer's product page.
For trips within Asia, excluding Japan
For global trips excluding USA and Canada
For global trips including USA and Canada
US and Canadian healthcare costs are materially higher than most other destinations, which is why the insurer (like most international travel insurers) prices and structures the USA/Canada-inclusive plan separately from the rest-of-world plan. If your itinerary involves even a layover or short visit to the USA or Canada, you'll generally need the plan that explicitly includes those countries — picking the cheaper "excluding USA & Canada" plan for a trip that touches those countries can leave you without cover exactly where treatment costs are highest. Confirm your exact itinerary with Probitas before selecting a region plan.
from
| Criterion | NOTP Terms |
|---|---|
| Eligible travellers | Indian citizens undertaking bona fide trips outside India for holiday or business; non-Indian citizens resident in India undertaking bona fide trips outside India for holiday or business |
| Purpose | Holiday or business travel only (not employment or study — see related Overseas Mediclaim Employment and Studies product for those purposes) |
| Policy type | Individual or Floater basis |
| Policy period | Single Trip basis, or Annual basis (aggregate of all trip durations in the policy period must not exceed 180 days) |
| Mode of travel | Air, Road, Rail, or Water |
| Pre-policy medical check-up | Not required up to age 70 |
| Maximum age (general market context) | Family members typically up to 70 years; travellers above 70 undertaking trips over 60 days typically need to submit MD Cardiologist medical reports under comparable the insurer travel products — confirm exact age-related documentation for NOTP with Probitas |
the insurer's Own Page & Cross-Reference
"It also provides the traveller with the freedom to choose amongst multiple sum insured options, ranging from USD 50,000 to USD 5,00,000.", consistent with the insurer's own page.
the insurer's own page and confirm the overall range (USD 50,000 to USD 5,00,000) and that "Emergency Cash Advance" specifically applies "for Sum Insured options 50,000 USD and above" — implying 50,000 is itself a selectable tier, not just the floor. The exact full list of intermediate SI tiers offered isn't itemised in the sources used for this page. Please confirm the complete tier list, and which tiers are available under each region plan, with Probitas at 022 4302 0000.
from
"Medical coverages under Emergency medical expenses, medical evacuation, medical reunion and Emergency dental pain relief." — the insurer's own page.
Core Medical CoverConfirmed as part of the same medical coverage bundle — evacuation to appropriate care, and reunion of a family member if the insured is hospitalised abroad for an extended period.
Inclusion"Travel related covers such as Trip delay, cancellation and curtailment." — the insurer's own page.
Trip Disruption Cover"Coverages for Delay and/or Loss of checked in Baggage." — the insurer's own page.
Checked Baggage"Bounced Hotel and Flight booking charges are covered." — the insurer's own page — protection if a booking falls through unexpectedly.
Booking Protection"Loss of documents such as passport and visa are also covered for up to 250 USD." — the insurer's own page.
USD 250"Personal liability upto 200,000 USD is also available." — the insurer's own page.
USD 2,00,000"Travel Assistance at any time of emergency during the Covered trip." — the insurer's own page, delivered through an Overseas Service Provider that can be contacted at the time of need.
Round-the-Clockfrom
Beyond standard travel insurance benefits, NOTP includes several covers addressing what's happening at home while you're abroad — and offers optional add-ons for further customisation.
"Pet care cover for sudden illness of the pet belonging to the Insured Person in the Republic of India is available for the period the Insured Person is on the covered trip." — the insurer's own page.
Inclusion"Home Burglary Cover for loss of or damage to the contents in the home in India, caused by actual and/or attempted Burglary during the policy period while the Insured person is on a Covered Trip." — the insurer's own page.
Inclusion"Minor children care for children travelling with the Insured Person who are left unattended during insured hospitalization." — the insurer's own page.
Inclusion"Optional Cover such as loss of Laptop (only one) and Personal Accident cover (Death only) are available." — the insurer's own page. An add-on, not standard inclusion.
Optional Add-OnConfirmed in the same line as the laptop optional cover — a separate, specific Personal Accident benefit for death only, available as an optional enhancement.
Optional Add-On"Automatic extension of the Policy Period is granted upto a period of 7 days for necessary extension after expiry of policy period." — the insurer's own page.
Standard Inclusionfrom
"The Insured Person a) travelling against the advice of a Medical practitioner" — the insurer's own page.
"b) receiving or on a waiting list for specified medical treatment declared in the Medical practitioner's report or certificate" — the insurer's own page.
"c) travelling for the purpose of obtaining treatment" — the insurer's own page. Medical tourism is explicitly outside this policy's scope.
"d) has received a terminal prognosis for a medical condition" — the insurer's own page.
"Expenses related to participation in professional sports or adventure sports." — the insurer's own page.
"Accidents arising from Motorized Two Wheelers unless at the time of the Accident the Insured Person is in possession of an international driving license and is wearing a safety helmet while riding." — the insurer's own page. Cover is conditional, not absolute.
"Deductible in respect of each claim, as mentioned in the Table of Benefits." — the insurer's own page. Not an exclusion strictly, but a cost-sharing mechanic applying to every claim regardless of cause.
from
"In case of any emergency, which may result in to any claim under the Policy or if any Assistance is required, the Overseas Service Provider may be contacted." — the insurer's own page.
The Overseas Service Provider is your primary point of contact abroad for both claims and general travel assistance — confirmed by the insurer's own page as the designated emergency contact mechanism.
For claims related to incidents in India (e.g. relevant to the Home Burglary or Pet Care covers), the insurer's general claims process applies: customers may lodge claims and "for submission of documents in support of their claim they may approach policy issuing office or nearest the insurer office" — confirmed by the insurer's own site, or call the toll-free number 022 4302 0000 for assistance.
Consistent with the pattern across the insurer's other overseas travel products, claims are typically processed in coordination with the international service provider, who can facilitate direct settlement with hospitals/doctors abroad in many cases — confirm NOTP's exact claims settlement mechanics with Probitas.
Each claim is subject to the deductible specified in the policy's Table of Benefits — factor this into your expectations when estimating out-of-pocket costs for smaller claims.
Before you travel, please confirm NOTP's exact Overseas Service Provider contact details, claim intimation timeline, and full document checklist with Probitas at 022 4302 0000 — having this information on hand before departure (not after an emergency) makes the claims process significantly smoother.
Overseas Travel Policy — Frequently Asked Questions
Get Your the insurer Overseas Travel Policy Quote
Tell us about your trip and we'll help you pick the right region plan and sum insured tier.
By submitting you agree to our Privacy Policy and Terms & Conditions. Overseas Travel Policy (NOTP)· the insurer· IRDAI For Indian citizens and foreign nationals resident in India travelling abroad for holiday or business. Individual or Floater basis. Single Trip or Annual basis (aggregate trip duration not exceeding 180 days). Sum insured options from USD 50,000 to USD 5,00,000. No pre-policy medical check-up up to 70 years of age. Covers emergency medical expenses, medical evacuation, medical reunion, emergency dental pain relief, trip delay/cancellation/curtailment, baggage delay/loss, bounced hotel/flight bookings, loss of passport/visa (up to USD 250), personal liability (up to USD 2,00,000), minor children care, pet care, home burglary cover, and emergency cash advance (SI ≥ USD 50,000). Optional covers: loss of laptop, personal accident (death only). 7-day automatic policy extension available. Deductible applies per claim per Table of Benefits. All terms per NOTP policy document. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.