The New India Assurance Company Ltd., the largest subsidiary of the General Insurance Corporation of India expands the horizons of its exclusive social security scheme for Non-resident Keralites - Pravasi Suraksha - implemented in association with the Government of Kerala in 1997 - with additional benefits up to Rs. 2,50,000/- and reimbursement of medical expenses incurred for treatment of illness or accident for self and members of family - including parents.

PURPOSE OF THE SCHEME

Accidents and illnesses have inflicted bitter blows at the roots of happy families - the household is daunted by thoughts of a dark future sans the strong shoulders of the breadwinner. Sympathy from relatives and friends does not help to make up the loss. Financial security is what counts during these moments.

Unexpected expenses incurred for treatment of injuries or illness of members of family leaves the household in a no better position.

Realizing these facts, New India offers a ray of hope to the hapless family in association with the Government of Kerala (Dept. for Non Resident Keralites Affairs - NORKA) through her twin schemes - Pravasi Suraksha Kudumba Arogya.

Spouse or parents (for unmarried non residents in India) can submit application on behalf of the person abroad. It is not essential that the non resident abroad should remit the premium.

Benefits of the scheme are payable in Indian Rupees only.

SALIENT FEATURES

PRAVASI SURAKSHA (PS)

Any person, below the age of 70 employed abroad can join the scheme.

Spouse and children in India or abroad can also be enrolled in the scheme. Children have to be between three months and 25 years unmarried/unemployed.

An easily affordable one-time premium guarantees protection for five years continuously.

Accidents occurring anywhere in the world leading to death, permanent total disability or loss of sight of both eyes or loss of use of arms or legs are covered up to Rs. 5,00,000/-under PSI or Rs. 10,00,000 under PS-II.

In the event of death consequent upon illness or accident abroad, expenses incurred for repatriation of body to India including air fare of an accompanying person and incidental expenses up to Rs. 50,000 are payable over and above the amount indicated above.

In the event of an accident to the insured person which culminates in a valid claim under the Pravasi Suraksha Scheme, if the person is taken to India for treatment, air fare of the injured and accompanying person subject to the overall limit of Rs. 50,000/- indicated above is payable under the Scheme.

The above benefits are available for each person enrolled in the scheme. 

In the event of accidental death of the person employed abroad, education grant of Rs. 50,000/- each to two children below 25 years as on date of accident, pursuing studies and marriage grant of Rs. 50,000/- each to two unmarried daughters, is payable in addition to benefits indicated above.

Overall benefits available under the scheme for Rs. 5,00,000 is up to Rs. 8,00,000 and Rs. 10,00,000 is up to Rs. 13,00,000/- cover is available 24 hours of the day throughout the world, irrespective of whether the non resident is on leave or has relinquished his job abroad.

Benefits under the scheme are available in addition to other insurance covers if any.

Duly filled in claim form along with supporting documents, may be submitted at the earliest, following which the claim would be disposed off within 15 days.

A Non-Resident can enrol in the scheme for Rs. 5,00,000 (PS-I) at a one time membership fee of Rs. 990/- and that for Rs. 10,00,000 (PS-II) at Rs. 1600/-.

Accidents while engaged in criminal acts, suicide or attempts thereat, or while the person is under intoxicants or drugs & war or warlike operations are not covered under the scheme.

The scheme provides for reimbursement of hospitalization expenses incurred in India following accident or illness.

Members of family, in India or abroad, including parents below the age of 70, can join the scheme along with the Non-Resident.

A very affordable one-time premium payable at the time of enrolment protects the person(s) for five years continuously.

Schemes for Rs. 1,00,000 (KA-I) and Rs. 2,00,000/- (KA-II) are available.

Medical expenses up to Rs. 1,00,000/- or Rs. 2,00,000/- can be availed within 5 years either jointly or singly by members of family i.e. there is no ceiling on expenses per person or the number of claims that can be loaded during this period.

In the event of the non resident suffering major ailments of heart, kidneys, brain or liver, cancer or grievous injuries following an accident, air fare to India to undergo hospitalized treatment is also payable subject to the limit of sum insured.

Prior medical check-up is not required. Declaration, by proposer, on the status of health of member is sufficient.

In case of hospitalization of a member immediate intimation of claim to the servicing office of the company is required. The claim form (issued by our office) duly filled in and signed together with medical reports, discharge card, prescriptions, bills and receipts are to be submitted at our office within 15 days of discharge from hospital.

Expenses incurred in connection with treatment of sinusitis, piles, cataract, hernia, hysterectomy, etc. (indicated on policy) is not payable during the fist year.

Expenses incurred on hospitalization during the first 30 days of joining the scheme are not payable. However expenses incurred for treatment of accidental injuries are payable even during this period.

Illness existing at inception of cover as well as pre-existing illness are to be declared in the enrolment form. No reimbursement would be available for expenses incurred on treatment of such illnesses.

A family comprising of husband, wife and two children (at least 3 months old, unmarried daughter and unemployed sons below 25 years) can avail the benefit of Rs. 1,00,000/- at a one time membership fee of Rs. 2,500/- (Rs. 2,00,000 at Rs. 4875/- only).

INSTRUCTIONS

Pravasi Suraksha (PS)

If more than one person of a family is covered in one enrolment form, 10% discount on membership fee of all persons is offered.

In case NRI and spouse are employed abroad they can avail the benefits for identical amount (Rs. 5,00,000/- or Rs. 10,00,000/-) If only one is employed abroad, the other can be covered up to an extent of 50% of the amount opted by the employed person. Children would be covered up to 25% of the amount opted by employed person.

The non resident and members of the family have to be covered under the same scheme. One cannot join PS-I and another PS-II.

The NRI should be compulsorily covered under one of the schemes of Pravasi Suraksha (PS-I or PS-II) to enable him alone or along with family, to join ‘Kudumba Arogya’.

The non resident who has joined ‘Pravasi Suraksha’ can enrol members of family (along with self) under the Kudumba Arogya Scheme i.e., a non resident alone can join ‘Pravasi Suraksha’. However members of family can be covered under "Kudumba Arogya" Scheme only if the non resident joins both the schemes i.e. Pravasi Suraksha and Kudumba Arogya.

Members of the existing Pravasi Suraksha Scheme can avail the benefits of ‘Kudumba Arogya’. Full details are indicated on the application form.

Kudumba Arogya (KA)

There is no discount for covering more than one person under this scheme.

Parents, below 70 years, can join the scheme provided the immediate family (spouse and children) of the non resident is also covered. Unmarried non residents can cover dependent parents along with self.

More than two children as indicated above, can be covered under the Scheme.

The non resident and members of family have to be covered under the same scheme. One cannot join K. A. - I and the other K. A. II.

The non resident should be compulsorily covered under Pravasi Suraksha to enable him/her and members of family to join the health scheme (Kudumba Arogya) i.e. the non-resident should be covered under both schemes to enable him to enrol his family under ‘Kudemba Arogya’. Members of the existing Pravasi Scheme can also join the Kudumba Arogya Scheme.

Date of Birth, age and details of existing illness/those contracted on earlier occasions of all persons desiring to enrol in the scheme should be clearly indicated on the enrolment form.