A Home for Overseas Medical Insurance and other Insurance Services
Hello There! My name is Suresh.
Going abroad for Education/Employment/Holidays can be a pleasure. Protecting yourself from sudden illness/accident is a prudent act. Avail our Overseas Medical Policy at a lower premium than in U.S.A. Read the following for more information about Overseas Medical Policy.
S. SURESH
57, Veerabadran Street, Nungambakkam, Chennai(Madras) 600 034 INDIA
PHONE: 91-44-827 7736 or 91-44-821 6009
PAGER NUMBER: 9610-103 177
CELL NUMBER: 98410-15.8.47
E-MAIL ADDRESS: Visuri@hotmail.com (or) flytousa@md3.vsnl.net.in
Internet:: http://members.tripod.com/~visuri/index.html
People and Areas I Serve
Currently I serve people only within Chennai (Madras) and Tamil Nadu. For people from Kerala and Karnataka when you come to Madras for the VISA, you can extend your stay for an extra day and get yourself an Overseas mediclaim insurance that would cover you in case of possible illness during your period of stay abroad.
Overseas MediClaim Policy
Summary
The two plans that are available are Plan A and Plan B. Plan A excludes USA and Canada and Plan B includes USA and Canada. Plan A covers upto US $50000 and plan B covers upto US $100000. Any person who is above 40 years and under plan B (Including USA and Canada) has to go in for a medical examination and tests. They have to be certified in the insurance form by a M.D.(Cardiologist) and hence the need for a visit to Madras. The advantage in taking the insurance in India is that payment will be in Indian rupees for the premium and the settlement of claim will be in US$. The deductable for every claim is 100$. It covers all illnesses, accidents, injury, diseases provided, it is not a PREEXISTING DISEASE. The premium is different for different age groups. The age restriction is from 6 months to 70 years. For people over70 years old, medical insurance is given only after the approval of the Insurance head office. This Overseas Mediclaim Insurance is applicable only to Indian Citizens. Foreign nationals have to take insurance only in their country. Application form is available with the insurance companies anywhere in India. If you are in Chennai then application form is available with me. Different rates apply to different age groups. The age groups are 6 months to 40 years, 41 years to 60 years and 61 to 70 years. The rates include 5 % service tax also. If a person goes to US and he decides to extend his stay for a further period he can extend his insurance through one of his/her relations in India or contact me through email and pay the extra premium. But they should do so before the time period for which the Insurance is taken expires. Otherwise they have to take the insurance in the US and pay in dollars which is very expensive.
Detailed Information
Introduction:
The Overseas Mediclaim Insurance policy provides indemnity for medical expenses necessarily incurred for treatment of illness and diseases first contracted or injury first sustained during the insured period of overseas travel subject to the policy terms and conditions.
Eligibility:
Indian Nationals undertaking bonafide journeys abroad for business or official work or holiday or for employment and studies. This policy is also available to foreign nationals resident India.
Age Limit:
6 months to 70 years. Acceptance of proposals from persons above 70 years of age is subject to the company’s discretion at loading of premium.
Period of coverage:
Period of cover is the actual period of travel subject to a maximum of 6 months(180 days) for any one trip. However the company at its discretion may consider extension beyond 180 days.
Medical Check Up:
Persons over 60 years of age travelling to countries other than USA/CANADA or over 40 years of age travelling to USA/CANADA have to submit the following medical reports along with the proposal form.
ECG Printout with report
Fasting blood sugar/urine sugar
These reports are to be certified by an M.D.(Cardiologist) in their proposal forms. When the proposer is unable to submit the medical reports then the coverage for sickness related claims would be limited to 10,000 US Dollars. However, the limit for the accident-related claims will be for the full sum insured.
Pre-existing disease exclusions:
This policy specifically excludes all expenses incurred relating to existing diseases/illness from which the insured is suffering.
Corporate Frequent Travelers Policy:-
To facilitate persons who travel abroad frequently on office work/business an annual cover termed as Corporate Frequent travelers policy has been designed to cover any number of trips taken by a person during a particular year. However, each trip should not exceed a period of 30 days. The insurance is valid for 12 months from the date of commencement stated in the policy in the event of a visit extending beyond the policy period special conditions apply. A person up to 60 years of age need not undergo medical check-up. However, a person over the age of 60 years must undergo at the inception of the annual cover for a full medical check up including blood/urine test and FCG. Note: Persons above the age of 70 years are not eligible for this coverage.
Claims facilitation and assistance:
In case the insured person suffers serious illness, injury or needs hospitalization the insured or his representative must contact, "Mercury" immediately for emergency advice or consultation. When contacting Mercury they should provide as much information available concerning the illness or accident including the name of the treating doctor, name and telephone number of the hospital, the policy number and its date of issue. This would enable mercury to contact the hospital authorities and co-ordinate all activities. Mercury provides additional service like pre-trip assistance, policy information assistance, medical assistance, medical evacuation services, repatriation of remains services, baggage assistance emergency message relay service, legal referral service, translation services. 24 Hrs. - 365 days per year. contact mercury at the following numbers.
For including USA & CANADA 800 988 0638 (Free Phone) / 804 673 1451(Paid Phone) / (1) 804 673 1452
For excluding USA&CANADA - 44(0) 1273 680453 (Paid Phone) / UK 44(0) 1273 206883
AVAILABLE INSURANCE PLANS
:
PLAN A: (Plan A is Excluding USA and CANADA with Maximum 50,000 US Dollars Coverage)
PLAN F: (Plan F is Excluding USA and CANADA with Maximum 250,000 US Dollars Coverage)
PLAN B: (Plan B is including USA and CANADA with Maximum 100,000 US Dollars Coverage)
PLAN G: (Plan G is Including USA and CANADA with Maximum 500,000 US Dollars Coverage)
Plans A & B Include illness/Accident, loss of passport, death coverage inside the flight.
Plans F & G Include illness/Accident, Personal Accident, Loss of Passport, Loss of checked baggage, Delay in checked baggage, personal liability.
For rates, contact Suresh at visuri@hotmail.com or flytousa@md3.vsnl.net.in
How I exceed the expectations of my customers
My service package includes:
Customer do not have to go to the insurance company for paying the premium or to collect the policy. I individually deliver it to the customer. If the policy holder want to extend the coverage, he/she need to do so well in advance (30 days) by asking me to collect the premium from his relatives or send the difference premium from abroad by mail. I will pay the premium and send the extended policy to your relative or to you by mail as the case may be.
I have a tie-up arrangement with hospitals that provide medical services to my customers at a concessional rate. In case you are required to undergo medical tests to provide the required medical reports, You can contact me and I can arrange for the required medical check-ups.
In the case where the customer is not able to move from the house I can arrange for medical examination at your doorsteps, finish the medical examination, collect the premium and issue the policy on the same day you fly. In such a case the important requirement is that , the person should contact me 1 day in advance as I want Fasting blood Sugar. The patient should be in Empty Stomach at the beginning of the fasting blood sugar test. Come prepared 1 day in advance and not in the last minute.
The above services are available for the residents of Madras City only. In case you are having father or mother residing out of Madras they can come to Madras 1 day in advance stay in a lodge. They can leave the Madras city on the same day night with the policy. Out of Madras people have to bring the premium in the form of DD only, cheques will not be applicable and acceptable.
Other Services I offer
I also serve as an agent for
Local Mediclaim Insurance
(within India): One of the advantages in taking mediclaim policy now rather than later is that you need not undergo further medical tests and provide any medical report again. The coverage starts only when you arrive in Chennai from abroad even though the policy is taken today.
Travel Insurance
(Worldwide, 24 hours & flight travel is also covered) Costs Rs.240/- one-time payment that covers for 1 lakh for 5 years .
House Articles Insurance
for those who are leaving their possessions behind when they visit USA. This covers all articles against burglary and theft . Chain snatching is also covered.
Contact me for any issues regarding insurance instruments or investments..
Pension Plans:
Youngsters! Avail this opportunity. Invest Rs.10,000/- per annum in the pension plan and receive Rs. 10,000/- per month as pension with 100% income tax benefit.
Life Insurance:
Here is a new insurance instrument. Pay Premium Once and get tax-free yield of 14.93% after 5 years.
Purchase of flats, houses and other real estate in Chennai (Madras).
This page will be updated frequently. Please Visit Again!