Global health insurance provides medical coverage against emergency and planned health expenses incurred anywhere across the globe. It covers the cost of medical treatments taken within India as well as abroad. It gives you the freedom to avail quality medical treatment outside India without worrying about arranging money to pay the expensive bills.
*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
Who would you like to insure?
A global healthcare plan has been designed to seamlessly cover planned and unplanned medical treatments obtained worldwide. This worldwide coverage health insurance plan will pay for your medical treatments no matter where you are. Whether you fall sick or meet with an accident during an overseas vacation or go abroad for planned medical treatment, your insurance company will take care of the incurred medical expenses if you have a global health insurance policy.
Categories | Specifications |
Citizenship | Indian |
Cashless Treatment | Available |
Annual Preventive Health Check-up | Covered within India |
Pre-policy Health Check-up | May be required |
Restore Benefit | Mostly available |
Cumulative Bonus | Available |
Pre-existing Diseases Waiting Period | 2/3/4 years |
Coverage Type | Individual/ Family floater |
Renewability | Lifelong |
Tax Benefits | Available |
Check out the list of best global healthcare insurance plans in India:
Global Health Insurance Plans | Countries Covered | Entry Age | Overseas Coverage Benefits | Mandatory Deductible/ Co-payment |
Aditya Birla Global Health Secure Plan | Worldwide | Adult – 5 years to 65 years Child – 91 days to 5 years |
|
NA |
Bajaj Allianz Global Health Care Plan | Worldwide | Adult – 18 to 65 years Child – 3 months to 30 years |
|
20% co-payment on all dental treatments |
Care Health Insurance Plan | Worldwide excluding the USA (Option to extend the coverage) |
Adult – 18 years onwards Child – 91 days |
|
10% co-payment |
Cholamandalam Flexi Health Supreme Plan | Worldwide | Adult – 18 to 75 years Child – 3 months to 26 years |
|
NA |
Digit Health Insurance Plan | Worldwide | Adult – 18 years onwards Child – 91 days onwards |
|
NA |
Future Generali Health Elite Plan | Worldwide excluding USA & Canada (Option to extend the coverage) |
Adult – 18 to 65 years Child – 91 days |
|
20% co-payment |
Kotak Mahindra Health Premier Plan | Worldwide | Adult – 18 to 65 years Child – 91 days to 25 years |
|
NA |
Liberty Health Connect Supra Plan | Worldwide | Adult – 18 to 65 years Child – 91 days to 25 years |
|
Deductible of Rs 2 lakh to Rs 40 lakh depending on the sum insured |
Magma HDI OneHealth Extra Cover | Worldwide | Adult – 18 years onwards Child – 91 days to 26 years |
|
Deductible of Rs 2 lakh to Rs 20 lakh depending on the sum insured |
ManipalCigna LifeTime Health Insurance Plan | Worldwide/ worldwide excluding USA and Canada | Adult – 18 to 65 years Child – 91 days to 25 years |
|
NA |
Niva Bupa Health Premia Plan | Worldwide excluding USA and Canada (Option to extend the coverage) |
Adult – 18 to 65 years Child – 91 days to 30 years |
|
20% co-payment on OPD claims |
Reliance Health Infinity Plan | Worldwide | Adult – 18 to 65 years Child – 91 days to 25 years |
|
Deductible of USD 100 on all OPD claims |
Royal Sundaram Lifeline Health Insurance Plan | Worldwide excluding USA & Canada (Option to extend the coverage) |
Adult – 5 to 65 years Child – 91 days to 25 years |
|
20% co-payment on the treatment of listed critical illnesses |
SBI Super Health Insurance Plan | Worldwide | Adult – 18 years onwards Child – 91 days to 30 years |
|
NA |
Star Diabetes Safe Insurance Plan | Worldwide | Adult – 18 to 65 years |
|
NA |
Tata AIG MediCare Premier Plan | Worldwide | Adult – 18 years onwards Child – 91 days to 5 years |
|
NA |
Universal Sompo A Plus Health Insurance Plan | Worldwide | Adult – 18 to 70 years Child – 91 days to 25 years |
|
10% deductible |
Global health insurance plans offer coverage for the following:
The following expenses are not covered under global health insurance plans:
Here are some of the top reasons why you should buy a global health insurance plan:
Health insurance plans in India usually do not cover medical expenses incurred outside the country. This means that if you want to go abroad for treatment, you will have to pay the medical bills on your own, which could easily exhaust all your life’s savings.
However, by buying a global coverage health insurance plan, you have the freedom to get yourself treated in any part of the world without worrying about paying expensive medical bills.
In case you meet with an accident abroad or fall sick during your overseas vacation, your travel insurance policy takes care of these emergency medical expenses. But they never cover planned medical treatments.
On the contrary, most global health insurance plans offer coverage for planned overseas medical treatments in addition to medical emergencies faced abroad.
Most health insurance plans do not offer coverage for medical treatments taken abroad. This prevents people from obtaining the best medical treatment that may be available outside India. Instead, they need to manage with whatever treatments are available within the country.
With global health care insurance, you can get financial access to the best medical treatments, even if it is outside India, without burdening yourself with arranging money for paying the bills.
Here are a few things to keep in mind while choosing a global health insurance plan: