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      Global Health Insurance

      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.

      Read More

      How Does Global Health Insurance Work?

      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.

      Global Health Insurance at a Glance

      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

      List of Best Global Health Insurance Plans

      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
      • In-patient treatment for 16 major illnesses
      • Post-hospitalization expenses
      • Accommodation expenses
      • International second opinion for major illnesses
      • Repatriation of mortal remains
      NA
      Bajaj Allianz Global Health Care Plan Worldwide Adult – 18 to 65 years
      Child – 3 months to 30 years
      • Hospitalization expenses
      • Palliative care
      • Rehabilitation
      • Medical evacuation
      • OPD treatment
      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
      • In-patient hospitalization expenses
      • Day care treatments
      • Maternity cover
      • Coverage for 12 critical illnesses
      10% co-payment
      Cholamandalam Flexi Health Supreme Plan Worldwide Adult – 18 to 75 years
      Child – 3 months to 26 years
      • In-patient hospitalization expenses
      • Day care expenses
      • Personal accident cover
      NA
      Digit Health Insurance Plan Worldwide Adult – 18 years onwards
      Child – 91 days onwards
      • In-patient hospitalization
      • Day care procedures
      • Organ donor expenses
      NA
      Future Generali Health Elite Plan Worldwide excluding USA & Canada
      (Option to extend the coverage)
      Adult – 18 to 65 years
      Child – 91 days
      • Emergency hospitalization expenses
      • Treatment of 20 listed critical illnesses
      • Emergency ambulance expenses
      • Return airfare
      • Repatriation of mortal remains
      20% co-payment
      Kotak Mahindra Health Premier Plan Worldwide Adult – 18 to 65 years
      Child – 91 days to 25 years
      • Treatment of 18 critical illnesses
      • Personal accident cover
      NA
      Liberty Health Connect Supra Plan Worldwide Adult – 18 to 65 years
      Child – 91 days to 25 years
      • In-patient hospitalization expenses
      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
      • Emergency In-patient medical expenses
      • Personal accident cover
      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
      • Coverage for 27 major illnesses
      • Area of cover
      • Global ambulance cover
      • Medical evacuation and repatriation
      • Global travel vaccination
      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
      • Treatment of 9 critical illnesses
      • Emergency hospitalization expenses
      • Emergency medical evacuation
      • OPD cover
      • Medical repatriation
      20% co-payment on OPD claims
      Reliance Health Infinity Plan Worldwide Adult – 18 to 65 years
      Child – 91 days to 25 years
      • Emergency and planned in-patient hospitalization expenses
      • Outpatient treatment
      • Emergency road transport expenses
      • Emergency air ambulance
      • Cost of medical aids
      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
      • Emergency in-patient hospitalization expenses
      • Treatment for 11 critical illnesses
      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
      • Planned treatment of 16 major illnesses
      NA
      Star Diabetes Safe Insurance Plan Worldwide Adult – 18 to 65 years
      • Personal accident cover
      NA
      Tata AIG MediCare Premier Plan Worldwide Adult – 18 years onwards
      Child – 91 days to 5 years
      • Planned in-patient hospitalization expenses
      • Day care procedures
      • Compassionate travel
      • Medical visa expenses
      NA
      Universal Sompo A Plus Health Insurance Plan Worldwide Adult – 18 to 70 years
      Child – 91 days to 25 years
      • In-patient hospitalization expenses
      10% deductible
      Read More

      What is Covered Under Global Health Insurance Plans?

      Global health insurance plans offer coverage for the following:

      • In-patient hospitalization treatment
      • Day care procedures
      • Emergency treatment outside the area of cover
      • Medical evacuation
      • Medical repatriation
      • Repatriation of mortal remains
      • Accommodation costs for one parent if the child is hospitalized
      • Organ donor expenses
      • Pre-hospitalization
      • Post-hospitalization
      • Local road ambulance
      • Air ambulance
      • Mental illness treatment
      • Rehabilitation
      • Modern treatments
      • Hospice and palliative care
      • Hospital cash benefit
      • Outpatient treatment
      • Dental treatment
      • Alternate/complementary treatments
      • Physiotherapy benefit
      Read More

      What is Not Covered Under Global Health Insurance Plans?

      The following expenses are not covered under global health insurance plans:

      • Cosmetic surgery
      • Congenital external diseases
      • Intentional self-injury
      • Treatments for abuse of alcohol, drugs or other intoxicating substances
      • External appliances
      • War and related perils

      Why Should You Buy a Global Health Insurance Plan?

      Here are some of the top reasons why you should buy a global health insurance plan:

      • Coverage for Overseas Medical Expenses

        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.

      • Planned Medical Treatments

        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.

      • Access to Quality Medical Treatments Outside India

        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.

      How to Choose a Global Health Insurance Plan?

      Here are a few things to keep in mind while choosing a global health insurance plan:

      1. Opt for Cashless Cover – Make sure to choose a plan that offers cashless treatment facilities outside India. Do check if the insurance company has a tie-up with an overseas TPA to take care of your cashless claims and offer hassle-free settlements.
      2. Check the Area of Cover – Not all global medical insurance plans offer worldwide coverage. Some exclude treatments taken in USA & Canada. Make sure to check the area of cover in a plan and choose the one that covers countries where you may seek medical treatments.
      3. Choose Adequate Coverage Amount – Make sure to choose a coverage amount that is sufficient to cover your overseas medical treatment costs. If you choose a lower sum insured, your out-of-pocket expenses will increase. Similarly, if you select a very high sum insured amount, your premium will be very expensive.
      4. Select the Right Coverage – Overseas medical bills mostly comprise of in-patient hospitalization costs and day care expenses. Make sure to opt for a plan that covers in-patient treatment and day care procedures up to the sum insured limit to ensure maximum coverage.
      5. Go for Plans with Renewal Benefits – Make sure to pick a global healthcare plan that offers renewal benefits, such as the cumulative bonus and annual health check-ups, on every renewal.
      6. Choose Plans with Restore Benefits – Several international health insurance plans offer restoration benefit that restores your sum insured after a claim is raised. Make sure to pick a plan that comes with the restoration benefit.

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support##(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *The scope of coverage may vary from plan to plan.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

      ##On ground claim assistance is available in 114 cities

      ~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

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