A Global Medical Insurance plan for Indians travelling abroad

When travelling abroad, there are many considerations to keep in mind. These include a meticulous plan for your itinerary along with making necessary reservations or bookings. But it happens quite often that travellers forget to choose a travel insurance cover. Travel insurance is a safety net that protects you from financial hiccups that otherwise might ruin your travel experience. Further, the additional financial burden can weigh you down, which otherwise can be taken care of by a travel insurance plan. Flight delays, loss of baggage, and important documents such as your passport, and trip cancellations, are some scenarios that are covered by a travel policy. Also, an important advantage of a travel plan is the medical coverage it offers. In times of unpredictable medical emergencies, a travel policy is what helps take care of treatment in a foreign land. If you are a frequent traveller, be it for business purposes or personal reasons, opting for international health insurance can be a smart choice. Travel insurance cover at times isn’t enough. When you buy health insurance plans, they have certain limitations to their coverage, i.e., the treatments are covered within a specific geographical area. International health insurance helps manage the steep cost of medical treatment even in the country that you are visiting. One such product that you can consider is the Global Health Care policy from Bajaj Allianz General Insurance Company. With this insurance cover, medical treatment in a fairly unknown country may not be a daunting experience.

Some advantages of the Global Health Care policy are as follows

1. Daily-Cash Benefit

With a daily-cash benefit in your policy, you can avail up to 25 nights of in-patient treatment for specified ailments by your international health insurance. Depending on the plan you select, this benefit is payable once the insured is discharged from the hospital subject to general conditions regarding sub-limits, sum insured and other policy specifics. *

2. Rehabilitation

The Global Health Care plan offers coverage for treatment that include occupational, speech and physical therapy too. The policyholder is required to pay for a specified amount and the balance is compensated by the insurer as per the policy schedule. *

3. Modern Treatment

Subject to the terms and conditions laid down in the policy, the insured is required to pay for a portion of the treatment, whereas the balance financial support is offered by the insurance company. *

In addition to the above advantages offered by the Global Health Care plan, it has the following features

1. Facility for cashless treatment

With an international health insurance policy, cashless treatment is also possible, where you, the policyholder, need not pay for the treatment costs upfront. Instead, only the deductible is required to be paid, and the balance treatment costs are settled directly by the insurance company with the hospital. The only condition for cashless coverage is that the treatment must be sought at one of the network hospitals affiliated with the insurance company. *

2. Coverage based on individual requirements

Depending on the requirements, a policyholder can purchase international health insurance cover. When you buy a policy that fits you right in terms of features and coverage, you can avail of the right medical services even outside your home country. *

3. Coverage for daycare treatments

Since not all procedures require a patient to get admitted to the hospital, having the coverage for daycare treatments in the Global Health Care plan is a boon. These treatments are those which do not require the patient to get hospitalised but are critical, yet short-term medical procedures. *

4. Hospitalisation cover

Not just daycare procedures, but treatments that require a person to get admitted to the hospital are also covered therein. It could be either due to an illness, injury, or accident injuring the policyholder. *

5. Mental health treatments

Since the rise in awareness about mental health treatments, many individuals seek mental health treatments. In the unfortunate event you need mental health treatment when travelling abroad, your international health insurance plan has you covered. *

6. Annual health check-up

In addition to covering cashless treatments, daycare procedures, mental illness and hospitalisation, the Global Health Care plan also provides the policyholder with an annual preventive health check-up facility. * With the above advantages, international health insurance comes in handy, where individual, student or family travel insurance policies fall short. Hence, it is best to consider having an international health cover if you are a frequent flyer among several international locations. * * Standard T&C Apply Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.