Overseas Mediclaim Business and Holiday (OMBH) is the insurer's package travel insurance policy covering medical and travel emergencies for people travelling abroad for business or holiday. It covers medical expenses and repatriation, personal accident, checked baggage loss/delay, loss of passport, and personal liability — with eligibility extending beyond Indian citizens to Nepali and Bhutanese citizens, and foreign nationals employed in India on Indian-rupee salaries.
the insurer Travel· OMBH
"Overseas Mediclaim Policy is a package policy that covers travel emergencies when someone is traveling abroad. It is available for three categories of travelers- business and holiday, employment and study, and corporate frequent traveler." —. OMBH is specifically the business-and-holiday category of this package — the insurer's established, long-running overseas travel product, distinct from its newer Overseas Travel Policy (NOTP).
Open not just to Indian citizens, but also Nepali and Bhutanese citizens, and foreign nationals employed in India by Indian or multinational employers paid in Indian rupees — a notably inclusive eligibility scope confirmed directly on the insurer's own page.
India + Nepal + Bhutan + Expat Staff"Dental services for the immediate relief of dental pain only – Up to US $225" — confirmed by. A specific, named benefit many basic travel policies omit entirely.
Inclusion"The company shall, within a period of 30 days, offer a settlement of the claim to the insured person" — confirmed by, with a further 7-day payment window after the insured accepts the settlement offer.
30-Day Decision, 7-Day Payment"In the cases of delay in the payment, the company shall pay interest at a rate that is 2% above the bank rate prevalent at the beginning of the financial year." — — a meaningful accountability mechanism for the insurer.
Insurer AccountabilityPremium can be paid in Indian Rupees, while claims are payable in foreign currency directly to doctors/hospitals abroad by the service provider in most cases — confirmed across multiple sources, simplifying the financial experience on both ends.
Structure"Plan K - for travel in Asian countries excluding Japan for business and holiday limited to USD 15,000" with Section A (medical/evacuation/repatriation) at USD 15,000 and Section B (personal accident/disability) at USD 7,500 — published plan breakdown.
Asia-Specific Tierthe insurer Plan Breakdown & Cross-Reference
OMBH lets you customise coverage by destination and sum insured. "This overseas insurance policy allows the traveller to customize their coverage as per travel destination amongst worldwide including USA/Canada, worldwide excluding USA/Canada and Asia excluding Japan. multiple sum insured options, ranging from USD 50,000 to USD 5,00,000."
| Plan / Section | Confirmed Detail |
|---|---|
| Region options | Worldwide (incl. USA/Canada), Worldwide (excl. USA/Canada), Asia (excl. Japan) |
| Sum insured range | USD 50,000 to USD 5,00,000 (general range across plans) |
| Plan K — Asia-only economy tier | Limited to USD 15,000 overall |
| Plan K — Section A (medical expenses, evacuation, repatriation) | USD 15,000 |
| Plan K — Section B (personal accident, permanent disability) | USD 7,500 |
| Personal Accident benefit | Up to USD 25,000 |
| Dental pain relief | Up to USD 225 per occurrence |
Two different Personal Accident sum insured figures vary: the insurer's Plan K breakdown states Section B (personal accident/disability) at USD 7,500 specifically for the Asia-only Plan K tier, while a separately confirmed general figure (from 's broader product summary) states Personal Accident cover "up to a maximum of USD 25,000." These aren't necessarily contradictory — they likely reflect different plan/SI tiers (Plan K being a lower-cost, Asia-specific option vs higher-tier worldwide plans) — but the exact Personal Accident figure that applies to your specific chosen plan and region should be confirmed directly with Probitas before purchase.
from
| Criterion | OMBH Terms |
|---|---|
| Eligible nationalities | Citizens of India, Nepal, or Bhutan |
| Foreign nationals | Eligible if working in India for Indian employers or multinational organisations, and getting salary in Indian rupees |
| Purpose of travel | Business or holiday only |
| Senior traveller condition | Travellers over 70 years AND journey over 60 days must submit ECG + Fasting Blood Sugar/Urine Strip test (MD Cardiologist) with proposal form |
| Cover if senior reports not submitted | Restricted to USD 10,000 |
| Deductible | First USD 100 of all claims borne by traveller |
| Pre-existing diseases | Not covered (known and unknown) |
from
"Expenses for physician services, hospital and medical services, and local emergency medical transportation. physician-ordered emergency medical evacuation. to the nearest suitable hospital." —.
Core Medical Cover"Expenses for medical evacuation, including transportation and medical care en route to a hospital in India or the Insured Person's normal place of residence in India." —.
Inclusion"If the Insured Person dies outside the country, the expenses for preparing the air transportation of the remains for repatriation to India or up to an equivalent amount for a local burial or cremation in the country where the death occurred." —.
Inclusion"Dental services for the immediate relief of dental pain only – Up to US $225." —.
USD 225"If at any time during the covered trip, the insured person shall sustain any bodily injury resulting solely and directly from an accident. death of the insured person, Permanent Total Disablement. total and irrecoverable loss of both eyes or two limbs or of one eye and one limb." —.
Death/PTD/Loss of Limbs"This insurance will pay up to a limit in the event of the Insured Person suffering a total loss of Checked Baggage. The insurers reserve the right to replace or pay the intrinsic value of any lost article." —.
Inclusion"This insurance will pay for the necessary emergency purchase of replacement items in the event that the Insured Person suffers a delay of more than 12 hours from the scheduled arrival time. for an International outbound flight from India." —.
12+ Hour Delay"In the event of the Insured Person losing his/her Passport during the trip covered, this insurance will pay up to the limit of cover for the reimbursement of actual expenses necessarily and reasonably incurred. in connection with obtaining emergency travel documents or duplicate/fresh Passport." —.
Inclusion"This insurance will pay if the Insured Person in his or her private capacity becomes legally liable to pay for accidental bodily injury to Third Parties or accidental damage to Third Party Properties arising from an incident during the covered trip." —.
Inclusionfrom &
"First US$ 100 of all claims is to be borne by the traveller." — the insurer's own page. Factor this into your expectations for smaller claims.
Per-Claim DeductibleECG and Fasting Blood Sugar/Urine Strip test from an MD Cardiologist, required with the proposal form — by both the insurer's own page and, with cover restricted to USD 10,000 if not submitted.
Condition"All pre-existing diseases/illnesses are not covered (known and unknown)." —. A stricter stance than the insurer's newer NOTP product, which doesn't carry this same blanket exclusion framing on its own page.
Stricter Than NOTPPer's FAQ content: "No, if by chance you forget to buy the plan before moving out of India, you will no longer be able to buy it." This policy must be purchased prior to departure — it cannot be backdated or bought once you've already left India.
Must Buy Before Departurefrom
"Any expenses incurred on spectacles, contact lenses, or hearing aids will be excluded from the policy." —.
"General debility, congenital diseases/defects, and sterility will fall under the category of exclusions." —.
"All claims that arise from or are related to pregnancy will be declined." —.
"If any expenses occur on external medical equipment, the company will not be liable to reimburse the amount." —.
"If any claim arises due to participation in dangerous activities, or adventurous sports like paragliding, scuba diving, or mountaineering, the company will not compensate for that." —.
"Any claim that arises or is related to HIV/AIDS will be declined." —.
"Injuries related to war, terrorism, and nuclear risks will not be covered by the policy." —.
"Suicide/intentional self injury/mental disorder/alcoholism/drug abuse" — confirmed excluded by the insurer's own page.
"Claims arising out of participation in Military, Naval, or Airforce operations." —.
"All non-medical expenses incurred, including those for personal comfort and convenience, will not be compensated." —.
"Traveling against Medical advice or for medical treatment, including routine check-ups." —.
from
"As soon as the incident happens, notify the TPA immediately. The Insured person or his representative should quote the TPA as much information concerning the illness, accident, or occurrence as is available." — — including treating physician's name, hospital name and phone number, OMP policy number, and issue date.
"For minor claims exceeding deductible, the TPA should be contacted upon return to India, and a claim form completed." —.
"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 be forwarded to the TPA." —.
"On receipt of the final document(s) or investigation report. the company shall, within a period of 30 days, offer a settlement of the claim to the insured person." If rejected, the company must communicate this in writing within the same 30-day window —.
"Upon acceptance of an offer of settlement. the payment of the amount due shall be made within 7 days from the date of acceptance of the offer by the company." Delayed payment accrues interest at 2% above the prevailing bank rate —.
"Covering letter detailing the circumstances of the claim and claimed amount. Duly filled and signed claim form." —.
"Original policy schedule duly signed by the insured or his representative. Copy of air ticket or E-ticket & Passport Copies (Front, Back, immigration stamp copies & Visa Copies)." —.
Overseas Mediclaim Business and Holiday — Frequently Asked Questions
Get Your the insurer Overseas Mediclaim Business and Holiday Quote
Tell us about your trip and nationality, and we'll help you choose the right plan and sum insured.
By submitting you agree to our Privacy Policy and Terms & Conditions. Overseas Mediclaim Business and Holiday (OMBH)· the insurer· IRDAI For citizens of India, Nepal, or Bhutan travelling abroad for business or holiday, and foreign nationals employed in India on Indian-rupee salaries. Not a general health insurance policy — covers sudden/unexpected sickness or accident while outside India. Sum insured options USD 50,000 to USD 5,00,000 (Plan K, Asia-only: USD 15,000 overall, Section A USD 15,000, Section B USD 7,500). USD 100 deductible per claim. Travellers over 70 years AND trips over 60 days must submit ECG and Fasting Blood Sugar/Urine Strip test from an MD Cardiologist with the proposal form, or cover is restricted to USD 10,000. Pre-existing diseases (known and unknown) not covered. Covers medical expenses/evacuation/repatriation, dental pain relief (up to USD 225), personal accident (death/PTD/loss of limbs), checked baggage loss/delay (12+ hours), loss of passport, and personal liability. Claims: settlement offered within 30 days of complete documentation, payment within 7 days of acceptance, with interest on delayed payment. Must be purchased before departure from India. All terms per OMBH policy document. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.