Terms & Conditions

  • Eligibility :
    I confirm that I am a Non-Resident Tamil living abroad and have duly registered with the Non Resident Tamils Welfare Board, and obtained an NRT ID Card.
  • Premium Payment :
    • I understand that the premium for the medical insurance coverage is payable in full at the time of enrollment.

    • I acknowledge that the premium amount is non-refundable.

  • Cancellation and refunds :
    • I understand that the premium amount once paid, cannot be cancelled.

    • I understand that the premium amount once paid, cannot be refunded.

  • Coverage Period :
    I am aware that the medical insurance coverage is provided for a period of three years from the date of enrollment. I understand that it can be renewed based on additional payments, after the expiry of three years.
  • Coverage Benefits :
    I have reviewed and understood the coverage benefits as outlined.
  • Exclusions :
    I acknowledge that certain pre-existing conditions may be excluded from coverage.
  • Claim Process :
    • I agree to submit any claims within the stipulated timeframe as required. I understand that valid documentation supporting the claim must be provided for timely processing.

    • I understand that valid documentation supporting the claim must be provided for timely processing.

  • Renewal :
    • I acknowledge that the policy may be renewed upon completion of the three-year coverage period. I understand that renewal premiums must be paid within the specified timeframe to ensure continuous coverage.

    • I understand that renewal premiums must be paid within the specified timeframe to ensure continuous coverage.

  • Cancellation :
    I acknowledge that the Government of Tamil Nadu reserves the right to cancel the policy under certain circumstances.
  • Government's Right to Modify :
    I understand that the Government of Tamil Nadu reserves the right to modify the terms and conditions of the scheme, including premium rates and coverage benefits.
  • Governing Law :
    I agree that the terms and conditions of the medical insurance scheme are governed by the laws of the State of Tamil Nadu.
  • Contact Information :
    I understand that for any inquiries or assistance, I may contact the designated government office or the insurance provider, as specified in the policy document.
  • Disclaimer :
    I acknowledge that the Government of Tamil Nadu and the insurance provider shall not be held liable for any misinformation or errors in the policy document.