Dear Mr. Krishnan,

In terms of currency while travelling abroad, it depends on, which set of countries you are dealing with frequently in business, accordingly you can decide the currency, if your business is more in UK you can go for pound, as its the local currency and its easy to deal with the local currency for the traveller.

In our company we deal with UK, US, Japan, Europe, so travel is more in these countries, what we did was we took the respective currencies of these countries and frozen a particular amount for a day to be given in pound, dollar, euro, yen and we tried to equalize it in INR (and for other countries it was standard USD), this needs to be checked on time to time basis as currencies keeps on fluctuating, one has to take care of variation too. In terms of freezing the DA, you need to do the cost of living analysis of that particular country and need to also benchmark the DA amount as per your industry standards.

Clauses of overseas mediclaim, are you talking about the policy then, one needs to purchase the policy and clauses are already there in the literature of the policy purchased. Only the travelling person must carry the original policy (in some embassy's while processing visas they take the original with them, so a duplicate copy can be requested from the concerned through whom you are purchasing the policy), in case of any treatment all bills must be preserved and need to be claimed after coming back in India and theres a coverage on luggage part,in case of any loss, immediately one must inform the admin team in India to coordinate with the insurance company.

In case your second part of question is related to overseas travelling policy, do let me know, i will share some.

Hope my points help you to an extend.

Regards

Jyoti