International Health Insurance for Overseas Treatment

Bajaj Allianz Global Personal Guard

1. The Global Personal Guard plan offers comprehensive protection against death, total or partial permanent disability, as well as any other accidents-related injuries globally.  
2. You have the option of choosing this policy for one, two, or three years. 

1. Depending on your income, select a sum insured option from Rs.50,000 to Rs.25 crore. 

1. Receive a cumulative bonus of 10% of the insured amount for each year without a claim. 
2. You, your spouse, your parents, and your children are all covered by this policy. 

Niva Bupa Health Insurance Heartbeat Plan

1. The entry age for adults under the Heartbeat Plan is from 18 to 65 years. 
2. It covers specific illnesses as well as emergency hospitalisation and medical evacuation abroad.  

1. Insured members can avail cashless coverage for hospitalisation expenses at any network hospital.  
2. After the first policy year, you can get a health checkup for diagnostic tests for any insured individual, which includes children. 
3. If your base sum insured is exhausted, you will be refunded 100% of your base sum insured for both different as well as the same illness. 

Aditya Birla Activ Assure Diamond Health Insurance Plan

1. The Aditya Birla Activ Assure Diamond Health Insurance Plan is a low-cost health insurance plan that provides comprehensive hospitalisation coverage, 586 daycare procedures, and easy cashless claims at 10051+ network hospitals. 

1. In the event of a medical emergency in any country around the world, you will be safely sent to reputable healthcare facilities. 
2. The free comprehensive health check-up enables you to track health and lifestyle for you and your family every policy year. 
3. Receive up to 30% of your premium back as health returns. It can be used to pay for renewal premiums, medications, and diagnostic tests. 
4. Receive a bonus of 10% added to your insured amount for each year without a claim, up to a maximum of 50% of the sum insured. 

ManipalCigna Health Insurance ProHealth Protect Plan

1. The ProHealth Protect Plan offers complete coverage to protect your present and future.  
2. Avail coverage anywhere in the world in the event of an emergency, up to the sum insured. 
3. Options for the sum insured range from Rs.2.5 lakh and Rs.50 lakh. 
4. Up to 20% of the premium in Healthy Reward points may be redeemed as a Health Maintenance Benefit (HMB) or applied to the cost of a renewal premium. 
5. Under the Individual policy option, you can avail 25% discount when two or more family members are covered by the same policy.  

Liberty Health Insurance Health Connect Supra Plan

1. The Health Connect Supra Plan is offered in two variants: Top-up and Super Top-up plan. 
2. For proposals, there is no need for a pre-policy health examination if you don't have a history of illness. 
3. It covers medical expenses incurred abroad. 
4. Avail discounts on multi-tenure policies with a two- or three-year term. 

1. Get coverage for pre-existing conditions starting with the first policy renewal with a 3-year term. 
2. For each year without a claim during the policy's term, the No Claim Benefit can rise by up to 10% for the Sum Insured. 

National Health Insurance Overseas Mediclaim Business and Holiday Plan

1. The Overseas Mediclaim Business and Holiday Plan covers medical emergencies that occur while a person is travelling overseas. 
2. All claims must be covered by the traveller for the first $100. 

1. Any Indian, Nepalese, or Bhutanese citizen travelling abroad on business or for vacation may purchase this plan. 
2. This plan is also available for any foreign national employed in India for an international company and receiving payment in Indian rupees. 

Oriental Health Insurance Overseas Mediclaim Policy

1. The Oriental Insurance Overseas Mediclaim Policy provides complete coverage for you and your family when you are travelling abroad. 
2. This plan covers medical costs incurred while travelling abroad for both inpatient and outpatient care. 

1. You can choose the sum insured from Rs.50,000 to Rs.50 lakh.  
2. The Overseas Services Provider offers a cashless settlement. 

Royal Sundaram Health Insurance Lifeline Elite Plan

1. The Lifeline Elite Plan is for those who travel frequently in India as well as abroad. 
2. It is available as a Family Floater plan for you, your spouse, and your children as well as an Individual plan. 

1. The Sum Insured options available are Rs.25 lakh, Rs.30 lakh, Rs.50 lakh, Rs.1 crore, and Rs.1.5 crore. 
2. All daycare procedures up to the sum insured are covered under this plan.  
3. It covers treatment for 11 specific critical illnesses abroad which includes round-trip airfare up to Rs.3 lakh. 
4. It covers worldwide emergency hospitalisation up to a maximum of Rs.20 lakh (or 50% of the insured amount). 

New India Assurance New India Global Mediclaim Policy

1. Anyone who has a health insurance policy with a minimum Sum Insured of Rs.8 lakh is eligible to purchase the New India Global Mediclaim Policy. 
2. This plan also covers medical second opinion insurance. 
3. The Sum Insured option for a global treatment plan is $1 million (Lifetime $2 million). 

Star Health Insurance Star Corporate Travel Protect Insurance Policy

1. The Star Corporate Travel Protect Insurance Policy offers coverage for costs incurred because of any medical emergencies and inconveniences encountered while travelling to or staying abroad. 

1. Corporate employees who often travel for work can purchase this policy. 
2. It offers coverage for travel to all countries, including the USA and Canada. 
3. This policy comes with three Sum Insured options: $100,000, $250,000, and $500,000. 
4. On the recommendation of the treating doctor, this policy covers the insured individual's emergency medical evacuation. 
5. It includes costs for related transportation and medical care. 

Documents Required for Overseas Treatment:  

If you have a global health insurance policy and are seeking treatment overseas, you will require the documents listed below: 

Things to Remember When Purchasing Global Health Insurance Plan

The following considerations must be made when choosing a global health insurance policy: 

1. Waiting period: Carefully review the policy documents to understand all of the terms and conditions. For example, several health insurance policies have a 30-day waiting period during which only accidents are covered. Some insurance plans have a two-year waiting period before covering surgeries. 

1. Policy’s inclusions and exclusions: Check the policy's inclusions and exclusions and select the one that has more inclusions. This will provide better coverage in India and abroad. 

1. Premium: Check the various health insurance premium options offered under a policy and select a viable option. Check the frequency of premium payments as well; these can occur monthly, half-yearly, and yearly. 

1. Process of claim settlement: Understand the insurance company's claim process and check their claim settlement ratio. Select an insurer that has a high claim settlement ratio. 

1. Network hospitals: Choose an insurance company that has a large network of network hospitals. In the event of a medical emergency, you can seek treatment at a network hospital to avoid the tedious process of filing a reimbursement claim. 

How Does Global Health Insurance Work?  

A global health insurance policy covers both planned and unforeseen medical treatments received anywhere in the world. Under a global health insurance policy, your insurance provider will cover the incurred medical costs whether you get sick, have an accident, or travel abroad for pre-planned medical treatment.