Overseas Mediclaim Employment and Studies (OMES) is the insurer's travel insurance product purpose-built for the unique, extended timelines of working or studying abroad — not a short holiday. Beyond standard medical and evacuation cover, it includes Contingency Insurance, compensating your study sponsor if illness or injury prevents you from completing your course, and a dedicated benefit for mental, nervous, or emotional disorders affecting your studies.
the insurer Travel· OMES· (, the insurer)
"The Overseas Mediclaim Employment and Studies policy covers several travel emergencies and medical contingencies that may arise for the insured while his/her stay in a foreign country for the purpose of employment or studies." — (the insurer). Unlike OMBH (built for shorter business/holiday trips), OMES is designed around the extended, often multi-year timelines of working or studying overseas.
The product name and benefit structure (Contingency Insurance for a "sponsor," study-disruption benefits) make clear this is purpose-built around the realities of overseas education — not solely a corporate-employee travel product.
Student-Aware DesignIf the insured student cannot complete their studies due to death, total loss of eyesight, or permanent total disability, the nominated sponsor — the person financially supporting the student — receives compensation directly. A benefit with no equivalent on the insurer's shorter-trip travel products.
Unique to OMES"Coverage for mental, nervous or emotional disorders is covered limited to 50% of the expenses." A separate 25% study-continuation benefit also applies if such a disorder prevents course completion — addressing a genuine, often under-served risk for students abroad.
50% Medical + 25% Continuation"Expenses incurred by the insured resulting from injury and illness requiring hospitalization and immediate evacuation to India are covered up to USD 5000." Helps bring family members to be with the insured during a serious medical emergency abroad.
USD 5,000Medical expenses are payable up to whichever occurs first: the maximum policy amount, 52 weeks after the injury/illness, or 12 weeks after the policy expiry date — a structured, time-bound coverage logic specific to this product.
StructureUnlike shorter-trip products, OMES requires advance purchase — "at least 30 days before traveling out of India after submitting the essential documents" — reflecting the more involved underwriting needs of longer overseas stays.
Advance Purchase Requiredfrom
| Criterion | OMES Terms |
|---|---|
| Type | Individual |
| Minimum entry age | 5 years |
| Maximum entry age | 70 years |
| Who can be covered | Individual, Spouse, and Children |
| Residential status — eligible | Indian citizens going abroad for studies or employment; foreign nationals employed by Indian companies and drawing salary in Indian currency |
| Purchase timing | At least 30 days before travelling out of India |
| Deductible | First USD 100 of all claims borne by the traveller |
| Pre-existing diseases | Not covered (any claim for pre-existing injury/illness excluded) |
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"Medical expenses up to the maximum amount specified in the policy are covered in the event of an insured's illness or injury." Payable up to whichever occurs first: the maximum dollar amount stated, 52 weeks after the injury/illness, or 12 weeks after policy expiry — (the insurer sourced).
Time-Bound Structure"Coverage for mental, nervous or emotional disorders is covered limited to 50% of the expenses. Further coverage of medical expenses will be terminated if the insured medically evacuates from the country where he/she is posted." — (the insurer sourced).
50% of Expenses"Medical evacuation expenses if they arise because of an illness or injury, and the insured person needs to be hospitalized in India, within the permissible limit, which is USD 1,50,000." — (the insurer sourced).
USD 1,50,000"In the event of the insured person's death, the insurance company will pay the actual expenses for his mortal remains transportation to India or the funeral expenses, not exceeding USD 10,000." — (the insurer sourced).
USD 10,000"Expenses incurred by the insured resulting from injury and illness requiring hospitalization and immediate evacuation to India are covered up to USD 5000." — (the insurer sourced).
USD 5,000"Plan D-1 of this the insurer Overseas Mediclaim Employment and Studies Policy provides cover of up to USD 1000 for loss of checked-in baggage along with USD 100 reimbursement for delay." Note: confirmed available only under the specific Plan D-1 variant, not universally across all OMES plans.
Plan D-1 Specific"This premium paid under this policy is eligible for tax rebate under section 80D of the Income Tax Act 1961." — (the insurer sourced).
80D Eligible"Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases." A conditional enhancement, not a universal benefit.
Conditional — Confirm Eligibilityfrom — A Benefit Unique to This Product
This is OMES's most distinctive feature — a benefit that doesn't pay the student directly, but compensates the person financially supporting their studies if the student's education is disrupted by serious illness or injury.
Overseas education is a major financial commitment, often involving loans, savings, or ongoing family financial support. Contingency Insurance directly addresses a risk most travel/health policies ignore entirely: what happens to the family's financial investment if the student's education is cut short by a serious health event. Naming the correct sponsor on the policy at the time of purchase is important — call Probitas at 022 4302 0000 to make sure this is set up correctly for your family's specific funding arrangement.
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"Any claim for any pre-existing injury and illness" is excluded — (the insurer sourced).
No claim paid if, at the time of taking insurance, the insured "is on a treatment waiting list" —.
No claim paid if the insured "has traveled for the purpose of treatment" —.
No claim paid if the insured "has received a terminal prognosis" —.
No claim paid if the insured "has traveled to the country of posting or study against the advice of a medical practitioner" —.
"Dental Treatment except if it is a result of direct injury" is excluded —.
"Treatment for congenital conditions and cosmetic surgeries except if necessitated by an injury" —.
"Treatment related to self-inflicted injury, suicide, or drug and alcohol abuse" —.
"Loss or damage due to invasion, war, or military attacks, or nuclear and radioactive components" —.
"Expenses for examination and prescription for hearing aids and eyeglasses" —.
"Expenses related to pregnancy, childbirth and associated complications" —.
"Adventure sports and hazardous activities' injuries" —.
's eligibility table states a maximum entry age of 70 years, but a separate clause in the same source's exclusions list states no claim will be paid if the insured, at the time of taking up insurance, "is over 60 years of age" — and the FAQ separately mentions medical reports specifically for "travelers over 70 years of age." These three references aren't fully reconciled within the source material used for this page; they may reflect different plan variants or specific clauses applying differently by age band. Please confirm the exact age-related terms applicable to your situation directly with Probitas at 022 4302 0000, especially if you or your family member is over 60.
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"Policy Cancellation is allowed only when the journey is not undertaken, and the passport of the insured is provided as proof." — (the insurer sourced).
Passport Proof Required"Request for cancellation is allowed within 14 days from the first day of the policy." —.
14 Days from Inception"Partial premium refund is permitted provided there is coverage for 60 days minimum and the unexpired period is not less than 14 days without any claim." —.
60-Day Min, 14-Day UnexpiredPer 's FAQ: "In case the insured wishes to cancel or withdraw the policy, the company will provide the option to switch over to a similar policy concerning terms and premium applicable." —.
Switch Option Availablefrom & the insurer's Own Page
"The claim under the policy can be filed by submitting a claim form either directly or through an agent along with the required documents." — (the insurer sourced).
"Claim assistance is provided by the overseas service provider." —, consistent with the pattern across the insurer's other overseas travel products.
"Claims are payable in foreign currency to Doctors/Hospitals abroad, directly by the service provider in most cases. In case, cashless service is not available insured can claim reimbursement." —.
"On ground claim assistance is available in 114 cities" — per 's confirmed notes — useful context for understanding claim support reach within India for repatriation/evacuation scenarios.
Call Probitas at 022 4302 0000 for OMES's exact claim intimation timeline and complete document checklist before you or your family member departs — particularly important given this product's longer policy durations and the distinct Contingency Insurance claim process, which likely requires its own specific documentation.
Overseas Mediclaim Employment and Studies — Frequently Asked Questions
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By submitting you agree to our Privacy Policy and Terms & Conditions. Overseas Mediclaim Employment and Studies (OMES)· the insurer· IRDAI For Indian citizens travelling abroad for employment or studies, and foreign nationals employed by Indian companies on Indian-rupee salaries, ages 5–70. Must be purchased at least 30 days before departure. USD 100 deductible per claim. Covers medical expenses (up to 52 weeks post-illness/12 weeks post-expiry), mental/nervous/emotional disorders (50% of expenses), medical evacuation (up to USD 1,50,000), repatriation/funeral expenses (up to USD 10,000), medical emergency reunion (up to USD 5,000), and Contingency Insurance for nominated sponsors (up to USD 750/month of completed study, or 25% for mental/emotional disorder-related disruption). Baggage delay/loss cover (up to USD 1,000 loss, USD 100 delay) available only under Plan D-1. Pre-existing diseases not covered. Cancellation allowed only if journey not undertaken (passport proof required), within 14 days of policy inception; partial refund requires minimum 60-day coverage and 14+ days unexpired, claim-free. Section 80D tax benefit available. Age-related eligibility terms (60 vs 70 years) require direct confirmation — see FAQ. All terms per OMES policy document. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.