Overseas Treatment

This extended benefit under SICOM Health insurance plans allows our insured members to get access to a network of certified hospitals and medical centres overseas for specialised treatment and surgery, through our exclusive partnership with healthcare providers in India.

Benefits

• World class, wider and advanced range of medical expertise with quality treatment
• In-Patient Cashless service where Guarantee of Payment (GOP) will be provided directly by SICOM to the network hospital in India
• Members will not need to disburse any payment (except non-coverable amount)
• No scale of cost applicable on doctor fees (subject to cost estimate of treatment)
• Cost of air ticket and accommodation for insured member will be borne by SICOM

Insured persons under this cover can benefit from an advanced range of medical expertise and treatment from the following private hospitals in India. 

• MIOT Hospital, Chennai
• Artemis Hospital, Delhi
• KIMS Hospitals, Hyderabad
• Wockhardt Hospital, Mumbai
• Rainbow Children’s Hospital, Bangalore and Hyderabad
• Apollo Hospitals, across India.

Individuals -  Citizens of Rodrigues, under 65 years of age at enrolment
(Acceptance of proposals may be subject to a satisfactory medical examination)

• Completed, signed and dated Proposal Form
• National Identity Card
• Recent Utility Bill (not more than 3 months old)

What is an inpatient cover?
Inpatient Cover pertains to treatment that necessitates treatment that requires admission in a clinic.

Can I pay my premium by instalments?
Payment by instalments are available depending on the annual premium.

Is there any excess to be disbursed by member?
Yes, there is an excess of Rs10,000 for each hospitalisation.

What are the common coverage benefits under my health insurance?
Health insurance benefits include cover for an inpatient hospitalization, pre & post hospitalization, day-care procedures, emergency ambulance expenses.

Will I be eligible for tax benefits if I buy health insurance?
Yes. Buying a health insurance will earn you the eligibility to claim tax benefit.

I have been recently diagnosed with a medical condition. Will I be allowed health insurance?
If you have already been diagnosed with a medical condition, it will be considered a pre-existing disease which will not be covered under the policy.

What are excluded in this medical policy?
As per terms in conditions stipulated in the Policy documents and any other pre-existing disease.

How do I proceed in case I need to be hospitalized?
Planned Admissions

Send the below details at least 48 hours before your admission to [email protected]

• Name of Clinic/ Private Hospital
• Date of Admission
• Medical Report
• Treatment Plan
• Quotation (If Available)

Emergency Admissions
A family member or you should advise us as soon as possible on 5919 3616 / 203 8452.

Can I make a claim as soon as my medical policy is issued?
There are various waiting period depending on the nature of treatment, as mentioned in our quotation, however in case of Accident, no waiting period shall be applied.

What are the waiting periods before my first claim?
The period after inception date of policy when claims will become payable

(i) Accident: Nil

(ii) Childbearing: 24 months

(iii)  Specific conditions listed below: 24 months

• Hypertension, Diabetes, Cardiovascular diseases, Stroke and/or any sequelae thereof &/or related conditions.
• Arthritis, Gout, Rheumatism, Lumbar, & Vertebrate problems, Locomotor System Disorders, Sciatica, Prolapsed Disc, Lumbago, Spinal disorders and/or sequelae thereof&/or related complications.

Any treatment requiring Arthroscopy or Meniscectomy

• All types of Cancers, Cysts, and/or any sequelae thereof &/or related complications
• Cataract or any Eyes problems requiring surgical operation and/or any sequelae &/or related complications.

(iv) Other Inpatient treatments: 3 months

What is the timeframe to submit a claim?
You have 90 days to submit a claim along with all required documents.