An Overseas Medical Policy, usually shortened to OMP, pays your medical bills while you are outside Bangladesh. Most people first meet it as a Schengen visa requirement, but the cover matters far beyond the paperwork.

What is covered

The core of the policy is emergency medical treatment and hospitalisation abroad, up to the sum insured you choose — typically EUR 30,000 for Schengen countries, US$ 50,000 elsewhere, or US$ 100,000 when your trip includes the USA or Canada.

• Hospitalisation and treatment for illness or accident during the trip
• Emergency dental care, usually capped around US$ 500 with a small excess
• Medical evacuation when local facilities cannot treat you
• Repatriation of mortal remains
• Travel of one family member if you are hospitalised for an extended period

What is not covered

Two exclusions surprise people most often. The first is pre-existing conditions — anything you were already being treated for before you left. The second is pregnancy and childbirth. Neither is unique to us; they are standard across the market.

Why the premium changes so much

An OMP premium depends on exactly three things: your age, how long you are away, and whether the trip includes the USA or Canada. Healthcare costs in North America are several times higher than elsewhere, which is why Plan B costs noticeably more than Plan A for the same traveller.

Travellers aged 60 and above carry a deductible — US$ 500 or 20% of the claim, whichever is higher — and Plan A cannot be issued to a 60–65 year old for trips over 120 days.

You can see your own premium in under a minute using our online calculator, with every line of the calculation shown before you commit to anything.