Worldwide OPD Cover. (i) If an Insured Person while on a foreign land suffers an Injury or is diagnosed with an Illness, that requires the Insured Person to take an Out-patient Treatment, then the Company shall indemnify such Medical Expenses, through Reimbursement Facility, up to the Sum Insured as specified in the Policy Certificate or Rs. 20 Lakhs (whichever is lesser).