Overseas Mediclaim


Overseas Mediclaim (Travel Insurance)

Prestige Assurance Plc introduced OVERSEAS MEDICLAIM POLICY to provide affordable Travel Insurance to meet the medical exigencies of legal residents in Nigeria.

PRESTIGE OVERSEAS MEDICLAIM POLICY (POMP) is specially designed to indemnify residents/citizens of Nigeria who are proceeding temporarily outside Nigeria solely for any of the following purposes:

• Business

• Holiday (Leisure)

• Study 

• Engaging in research activities.

• Temporary posting in a sedentary non-manual work.

• Provided you are a holder of an appropriate and valid visa for the same purpose issued by the authorities in Nigeria.



Regardless of the purpose of travel, cover is available for:

• Business & Holiday

• Employment & Study

• Corporate Frequent Travelers (CFT): Cover is available for executives of corporate organizations with multiple travelling schedules within a year subject to maximum of 10 executives

• Plan K – This is specially designed for travelers to all Asian countries except Japan



• Employment & Study: Cover is available for persons between the ages of 18 and 60. Above 60 years, restricted coverage can be given at the discretion of the Company.

• Policyholders are free to choose worldwide coverage or opt-out USA/Canada. Each option carries different premium rates while the insured person can also choose the sum insured for each category of cover.



Following expenses are covered:

• Physician, hospital & medical services & local emergency medical transportation

• Dental service for immediate relief of dental pain only – expenses limited.

• Dental care resulting from an accident is covered

• Medical evacuation, transportation &en-route medical care to a hospital in Nigeria

• In the event that the treating physician advises the IP to return to Nigeria for further treatment, for whatever reasons specified, expenses will be paid at the usual and customary level for such services

• Expenses will be paid for treatment incurred within 90 days of manifestation of bodily injury, sickness or disease

• Repatriation of remains to Nigeria or local burial/cremation costs if the Insured Person dies as a result of illness, disease or accident



• If Insured Person sustains bodily injury during the covered trip.

• Accidental external violent & visible means  and within 12 months of date of injury results in Death or Permanent Total Disability



• Total Loss of Baggage checked in by an International Airline on an international flight



• Delay of baggage of more than 12 hours from the scheduled arrival time at destination

• Insurers pays for emergency purchase of replacement items



• Reimbursement of actual expenses incurred in connection with obtaining a duplicate or fresh passport

• Deductible applicable to each insured event which is to be borne by insured person


• If insured person in his/her private capacity becomes legally liable  to pay for accidental Third Party - bodily injury / property damage by an incident during the trip



• In the event of hijack of a common carrier in which the Insured is traveling on a Trip abroad, the Insurer will compensate a sum not exceeding the Sum Insured for the coverage as specified in the Schedule.



  1. Financial Emergency Assistance
  2. Travel Delay
  3. Trip Cancellation & Interruption
  4. Bounced Booking - Hotel and Airlines



No claim will be paid where, at the time of taking out this Insurance the Insured Person:

• is on a waiting list for treatment;

• has travelled for the purpose of obtaining treatment;

• has received a terminal prognosis

• has travelled to the Country of Posting or Study against the advice of a Physician.

• is over 60 years of age unless specifically endorsed hereon.

• This insurance will not cover pregnancy, including resulting childbirth, miscarriage, abortion or complication of any of these.



• Expenses not recommended and approved as necessary and reasonable by the attending Licensed Physician;

• Loss, damage or liability directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power. Nor loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom or any consequential loss or any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from ionizing radiations or contamination by radioactivity from any nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

• No section of this Policy shall apply in respect of, and this Policy does not cover, any claim arising directly or indirectly from any Injury, Illness, Death, Loss, Expense or other Liability attributable to HIV (Human Immunodeficiency Virus) and / or any HIV related illness including AIDS and / or any mutant derivatives or variations thereof however caused.

• Any claim arising from intentionally self-inflicted injury, suicide or attempted suicide, the influence of alcohol or intoxicants, the use of drugs except as prescribed by a Licensed Physician;

For the comprehensive list of Policy Condition, please refer the Policy Document.