To ensure that our loved ones get the best possible health care, we do everything in our control. From admitting them in the best hospitals to getting them treated by well-known doctors, we try to make sure that they are safe at the end of the day. Some people even go abroad for medical treatments. Going outside India for medical care is no joke and one needs to be financially well-off to bear all the expenses. Another problem related to overseas medical treatment is that a lot of health insurance policies issued in India do not cover treatment outside the country.
To solve this problem and to help people get access to the best health care in the world, certain insurance companies in India such as Max Bupa, Religare Health Insurance, etc. have launched insurance policies for overseas medical treatment.
Companies Offering Health Insurance Policy for Overseas Treatment in India:
- Religare Health Insurance Company.
- Max Bupa Health Insurance.
- Cigna TTK Health Insurance.
- Apollo Munich Health Insurance.
Health Insurance Policies for Overseas Treatment:
Some of the health insurance policies that cover overseas treatment issued in India are as follows:
||Link to Plan Details
||Care is a comprehensive health insurance policy offered by Religare Health Insurance Company, which provides global coverage to the customers.
- This policy offers Sum Insured of up to Rs.75 lakhs at present. The Company will soon launch the Global plus plan under which the Sum Insured might go up to Rs.3 Crores.
- Policyholders can avail Day Care Treatments, Single Private Room rent, room upgrades, ICU charges, Ambulance coverage, health check-up, etc. under this policy.
- This policy also provides Organ Donor Cover of up to Rs.3,00,000 and Maternity Cover of up to Rs.1,00,000.
- Policyholders can opt for cashless claims or reimbursement facility.
- The Global coverage benefit is available for a period of 45 days continuously, starting from the date of travel in a Single trip. This benefit is available on a cumulative basis for 90 days as a whole in a policy year.
- Global Coverage does not include the United States of America. Policyholders can opt for Global Coverage – Total, which is an optional cover and an extension to the Global Coverage (Excluding U.S.A).
- This optional cover provides coverage within the United States of America as well.
|Read more about Religare Care
|Max Bupa Heartbeat
||The platinum plan of this policy has a feature called ‘Emergency Medical Evacuation and Hospitalisation’, which provides coverage for Emergency Medical Evacuation and Hospitalization expenses that is incurred by policyholders when they are outside India.
- This policy covers the doctor’s fee.
- It also covers the medicines, consumables and drugs.
- Operation theatre charges, ICU charges, room rent charges, etc. are covered.
- Cost of equipment or devices that are implanted during a surgery is covered by the policy.
|Read more about Max Bupa Heartbeat
|Cigna TTK ProHealth Preferred Plan
- Cigna TTK Health Insurance Company offers a range of ProHealth Insurance plans.
- Some of these plans such as ProHealth Insurance Plus Plan provides financial support to the customers in hospitals all over the world.
- There are other ProHealth insurance plans such ProHealth Insurance Premier Plan, ProHealth Insurance Preferred Plan, etc.
- ProHealth Insurance plans provide value for money.
- Policyholders can avail various discounts on their premium.
- ProHealth Insurance policy offers Healthy Rewards to reduce renewal premium amount.
- ProHealth Insurance policy offers extra coverage and maternity expenses as well.
- ProHealth Insurance policy provides coverage for Day Care Treatment, Ambulance expenses, donor expenses, hospitalization expenses, etc.
- Under Worldwide Emergency Cover, ProHealth Insurance policy provides coverage for medical expenses that have been incurred abroad. Up to the full Sum Insured to the customers is provided on reimbursement basis.
- ProHealth Insurance Premier Plan, ProHealth Insurance Preferred Plan, etc. that offer Worldwide Emergency Coverage up to the Sum Insured to the customers.
- Apart from these, the Company also offers Global Health Group Policy.
Read more about Cigna TTK Pro Health Preferred Plan
|ProHealth Insurance Premier Plan
||Read more about Cigna TTK Pro Health Premier Plan
|Apollo Munich Critical Advantage Rider
||Policyholders can opt for this rider to get treatment for 8 major illnesses.
- This optional rider provides worldwide coverage.
- The illnesses covered are Cancer, Heart Valve replacement/repair, Coronary Artery bypass surgery, Liver Donor Organ Transplant, Neurosurgery, Bone Marrow Transplant, Aorta Graft Surgery and Pulmonary artery graft surgery.
- The rider covers travel cost of the insured person and of the relative accompanying him/her.
- The rider covers accommodation expenses, post-hospitalization expenses and second opinion expenses as well.