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Travelling abroad is an exciting experience, whether for work, study, or leisure. However, unexpected health emergencies can turn challenging sometimes. This is where having an adequate short-term international health insurance plan can be a lifesaver. It ensures you are covered for medical expenses that may arise during your stay abroad, allowing you to focus on making the most of your trip.
Let’s explore the importance, benefits, and coverage details of overseas health insurance and guide you on how to buy international health insurance effectively
The international health insurance plan is designed to help you avail of medical services whether planned or unplanned, seamlessly anywhere across the globe. There are times people travel abroad to avail of medical treatment. Under circumstances like these being adequately covered is important.
Medical expenses whether domestic or overseas can easily take a toll on one's pocket. The key objective of having a health insurance plan is to get healthcare whenever and wherever required, be it in the country you reside in or any foreign land.
People often get confused between global health insurance and travel insurance. The intended purpose of each of these products is varying. An international health insurance policy offers compressive health care both domestically and abroad over the policy term. Concerning medical coverage, travel insurance offers short-term medical cover.
At Bajaj Allianz General Insurance, we offer an array of health insurance solutions that takes care of your needs and helps you keep safe. Our Global Health Care is a comprehensive health Indemnity Insurance product that provides seamless cover to the policyholder for planned as well as emergency treatment availed Domestic (Within India) as well as International (Outside India) health care providers. The global health insurance policy allows the insured members to plan the treatments abroad hassle-free and avail best medical facilities around the world.
The global health insurance coverage in the health insurance plans offers a medical cover for the treatment that one undergoes whether domestic or international. If you are sufficiently covered, you need not worry about the global health insurance cost incurred towards treatment.
The international health insurance plan offers a cover no matter where you are across the globe. The international health insurance coverage usually includes in and out-patient treatment expenses, air ambulance, medical evaluation, and so forth as per the chosen Global Health Care policy type.
The key benefit of having worldwide health insurance is to have an access to medical care and attention globally. With the right plan in place, you can avail the treatment in the country you reside in or internationally.
The Global Health Care product offers two plans namely:
The Imperial Plan is a lower-end plan and Imperial Plus Plan is a higher-end plan. Both these plans have Domestic and International covers. The key difference between an Imperial and Imperial Plus Plan is that the latter has a higher sum insured (SI) options. The higher plan also offers enhanced features of inbuilt OPD cover, medical evacuation & repatriation, palliative care, etc.
You can buy international health insurance online, and compare the features, premiums, etc. to make an informed decision. Our Global Health Care plan ensures that you can access healthcare facilities anywhere so that you do not deplete your hard-earned money or savings.
The overseas mediclaim facility offers the cashless facility to the insured members. The incurred medical expenses are directly settled with the network hospital by the insurance company as per the terms and conditions of the policy.
With our Global Health Care plan you remain worry-free that you need not compromise on availing of the best medical services or treatment whether domestic or international. If you have an overseas mediclaim insurance policy you will be provided with suitable cover for expenses related to hospitalization, maternity consultations, etc.
Any medical expenses that are incurred during the process of treatment as per listed daycare procedures or any surgery as an inpatient remains covered within international health insurance India.
The international medical insurance provides coverage in case the insured is admitted to a hospital for a minimum of 24 hours for procedures/ treatments. The reason for hospitalization could be due to an illness, injury, or accidental bodily injury during the policy term.
Another key feature of Global Health Care is that the insurer will pay the customary and reasonable costs for in-patient treatment of mental illness as specified in the policy. The mental health illness treatment is to be availed in a recognized psychiatric unit of the hospital as per the specified sum insured.
With every renewal of the Global Health Care insurance policy, the policyholder is entitled to an annual preventive health check-up. The annual preventive health check-up is offered only under the domestic cover. The proposer will be reimbursed the amount as per the specified limits in the policy.
Having the right health insurance for overseas visitors can make a huge difference during travels. Here are some key benefits:
In case of illness or accidental injuries, international health insurance covers hospital expenses, doctor consultations, and medication costs.
If you require urgent medical treatment that isn't available locally, your insurance will cover the cost of evacuation to the nearest medical facility.
Receive a daily cash benefit for up to 25 nights during in-patient treatment. This applies under the Imperial Plus plan and is payable upon discharge, subject to policy limits and conditions.
Coverage for reasonable expenses related to modern treatments, as outlined in the policy schedule and subject to policy terms.
International health insurance covers therapies like occupational, physical, and speech therapy up to the specified policy limit.
These benefits highlight the importance of choosing a reliable health insurance brand in India like Bajaj Allianz General Insurance Company to ensure comprehensive coverage.
Travelling without insurance is a risk many people take, but the consequences can be dire. Medical emergencies in foreign countries can be extremely expensive, and language barriers and unfamiliar healthcare systems can add to the complications. A short-term international health insurance plan ensures you have access to quality medical care without worrying about the costs. It also provides coverage for situations such as trip cancellations, loss of baggage, and even emergency evacuations. Moreover, many countries, like those in the Schengen region, require proof of health insurance for visa approval. Therefore, having a comprehensive overseas health insurance policy is not just a safety net but often a necessity.
Imagine you are traveling abroad and you fall ill or meet with an accident. You may have travel insurance in place that would offer a mediclaim cover. However, that just may not be enough. An overseas mediclaim insurance policy is nothing less than a blessing. Adversity can easily knock in without prior notice. Having international health insurance will not leave you in any financial distress. With it, you need not panic about the expenses that may incur. In case you do not have a Global Health Care policy, you will have to bear the expenses from your pocket which will be both challenging and daunting. Remember, everything else can wait but availing of medical treatment timely is extremely important.
Daily Cash Benefit
You can avail of a daily cash benefit for 25 nights for receiving an in-patient treatment free of cost as per the medical condition that is covered in the policy schedule. This benefit applies to the Imperial Plus plan becomes payable once the insured is discharged from the hospital and is subject to the sum insured, sub-limits, conditions, etc.
Rehabilitation
Global Health Care offers a cover for any treatment that combines therapies such as occupational, physical, and speech therapy. The proposer pays up to a specified limit in the policy schedule.
Modern Treatment Method
The proposer will pay the customary and reasonable expenses for the modern treatment method as mentioned in the policy schedule. It is subject to the terms and conditions of the policy.
At Bajaj Allianz General Insurance we understand that hospitalization can be stressful both emotionally and financially. We ensure hassle-free and seamless claim settlement under Global Health Insurance.
UNDERSTANDING THE CLAIM PROCEDURE FOR DOMESTIC COVER
The Global Health Care claims will be settled by the in-house claim settlement team of the insurance company. Anyone who meets with an accidental bodily injury or suffers an illness resulting in a claim can opt for a cashless facility or reimbursement facility.
The Cashless Claim Procedure :
The cashless treatment can only be availed at the network hospitals. We have more than 18,400+ empaneled hospitals*. To avail of the cashless treatment, follow the procedure listed below:
✓ For planned treatment or hospitalization, before taking treatment or incurring medical expenses at a network hospital, the insured or their representative must intimate the insurer. It should be done at least 48 hours before the planned hospitalization and within 24 hours of emergency admission.
✓ The customer has to approach the Insurance/TPA desk with the health ID card and govt ID proof to initiate the procedure of a cashless facility
✓ The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth, and all other external appliances and/or devices whether for diagnosis or treatment except for the cost of artificial limbs, cost of prosthetic devices implanted during surgical procedures like pacemaker, orthopedic implants, cardiac valve replacements, vascular stents, etc.
✓ The insurance department from the hospital will fill up the Preauthorization form and submit it to the insurer along with the necessary treatment document
✓ After scrutinizing the documentation as per policy terms and conditions if the insurer is satisfied, then issues the authorization letter to the hospital and customer mentioning the initial approval amount to begin the treatment.
✓ In case the bill exceeds the initial authorized amount hospital will send a request for the additional amount to the insurer.
✓ The same shall be processed as per policy terms and conditions
✓ The insured will not be required to directly pay the bill in the Network Hospital up to the amount authorized in Cashless Approval Letter.
Reimbursement Claim Procedure :
In case treatment is taken in a hospital other than a network hospital, then the following procedure needs to be followed:
✓ In case of reimbursement immediate intimation to the insurer within 48 hrs of the hospitalization.
✓ Post-discharge insured has to collect all necessary documents from the hospital and needs to submit the same with the insurer within 30 days.
✓ Insured or the representative can submit the reimbursement claim either through Caringly Yours App or physical documents can be submitted to the insurer at the given address.
✓ Insured has to follow the checklist available in product/policy terms and conditions while submitting documents to the insurer.
✓ If the original documents are submitted with the co-insurer, the xerox copies attested by the co-insurer should be submitted.
Note: *In case you are claiming for the same event under an indemnity-based policy of another insurer. Then you are required to submit the original documents related to the treatment with that particular insurer. You need to provide the attested xerox copies of such documents. Also, submit along with a declaration from the particular insurer specifying the availability of the original copies of the specified treatment documents with it.
Download our mobile app Caringly Yours or may reach out to us at 1800-209-5858. To know your domestic cover claim status drop a ‘Hi’ on our WhatsApp number 9156-191-111. In case of query drop an email at bagichelp@bajajallianz.co.in
CLAIM PROCEDURE FOR INTERNATIONAL COVER
Let us now understand the claim procedure for international cover. Here we briefly contemplate the reimbursement claims and pre-authorization process for the international cover.
✓ Medical Claims: Before submitting a claim, ensure to take care of the following key pointers under international cover:
✓ Claiming Deadline: The policyholder needs to submit all claims no later than 30 days after the date of discharge from the hospital.
✓ Claim Submission: The policyholder needs to submit a separate claim for each person claiming and for each medical condition being claimed.
✓ Supporting Documents: When sending the copies of supporting documents like medical receipts, ensure to keep the originals. Also, keep handy payment information for the medical bills paid.
✓ Currency: Specify the currency that you wish to be paid in. There are chances that the insurance company may not be able to make a payment in that currency due to international banking regulations. If this happens, the insurer will identify a suitable alternative currency.
✓ In case you have any queries for Global Health Care- International Cover, you can always call our Global Health Care international helpline number +353 1 630 1301.
✓ Certain benefits under this Global Health care for international cover would require seeking pre-approval at least 72 hours before admission or availing of the benefit in case of planned treatments. The pre-approval process helps the insurer assess each case, organize everything with the hospital before your arrival and make direct payment of hospital bills easier, where possible.
✓ In case emergency treatment is required call our helpline (within 48 hours of the Emergency) to inform us about the hospitalization.
When it comes to international claims there are certain pointers listed below that should be taken care of:
For Planned Treatment
Listed below are the documents required to make an international medical insurance claim:
→ Download a treatment guarantee form from our website or call the helpline
→ Send the completed form to the insurer at least five working days before treatment-email/call +353 1 630 1301 (72hrs before treatment)
→ The insurance company will contact the hospital to organize payment of the bills directly (where possible)
→ Upon receipt of all documents the medical team will review the information provided and issue a Guarantee of Payment to the hospital, authorizing treatment
Note: Pre-approval is mandatory for most covers availed outside of India viz- inpatient, day-care, donor expenses, mental illness treatment, accommodation costs, and palliative care. In case of no pre-approval is sought the claim will be paid as per reasonable & customary expenses up to 80% of the admissible claim amount only.
For Emergency
Either the insured or one of the dependents needs to call on the helpline (within 48 hours of the emergency).
For Dental/ OPD
✓ Get the treatment that is required and pay the medical provider
✓ Get an invoice from the medical provider, the diagnosis/medical condition that the insured received treatment for, the date of onset of symptoms, the nature of the treatment, and the fees charged
✓ Claim back the eligible costs via the MyHealth app or online portal (www.allianzcare.com/en/myhealth). Simply enter a few key details, add the invoices, and press ‘Submit’
Note: Availing Cashless is mandatory for some covers availed outside of India viz-Air ambulance, medical evacuation, repatriation, repatriation of mortal remains.
IMPORTANT DOCUMENTS REQUIRED FOR GLOBAL HEALTH CARE CLAIM
Listed below are the documents required to make an international medical insurance claim:
✓ Claim form with NEFT details & canceled cheque duly signed by insured
✓ Original or attested copies of discharge summary/discharge certificate/death summary with surgical & anesthetics notes
✓ Attested copies of indoor case papers, if available
✓ Original or attested copies of final hospital bill with break up of surgical charges, surgeon’s fees, OT charges, etc.
✓ Original paid receipt against the final hospital bill
✓ Original bills for investigations done/laboratory bills
✓ Original or attested copies of investigation reports against investigations done
✓ Original bills and receipts paid for the transportation from Registered Ambulance Service Provider. Treating doctors’ certificate to transfer the injured person to a higher medical center for further treatment (if applicable)
✓ Cashless settlement letter or other company settlement letter
✓ First consultation letter for the current ailment
Download Claim Documents
✓ Claim Form For Outside India
✓ Treatment Guarantee Form for Outside India
My happiness and satisfaction regarding my claim settlement which was approved within 2 days...
Speed with which insurance copy was delivered in times of lockdown. Hats off to the Bajaj Allianz team
I would like to thank the team of Bajajallianz Vadodara, Specifically Mr. Hardik Makwana and Mr. Ashish...
When selecting a short-term international health insurance plan, it's crucial to understand what is covered to make an informed decision. Here are the common inclusions:
Covers room rent, ICU, nursing, doctor's fees, surgery costs, diagnostic tests, prescription drugs, prosthetics, emergency dental from accidents, and other medical expenses, subject to policy limits.
Covers medical expenses for 45 days before hospitalisation for the same illness/injury, provided the hospitalisation claim is accepted.
Covers medical expenses for 90 days after discharge for the same illness/injury, provided the hospitalisation claim is accepted.
Covers reasonable ambulance costs to the nearest hospital or to transfer between hospitals, in life-threatening emergencies, subject to policy limits.
Covers medical expenses for treatments that require less than 24-hour hospitalisation, as listed in the policy.
Covers expenses for organ donor treatment, if a valid hospitalisation claim for the insured is accepted.
Covers air transport in life-threatening emergencies, subject to policy limits and cashless service requirements.
Covers evacuation to the nearest medical facility for emergency hospitalisation or if treatment isn’t available locally, subject to policy limits.
Covers accommodation for one parent during a child's hospitalization, up to a specified limit.
Covers emergency treatment during trips outside the coverage area for up to six weeks, subject to policy limits.
Covers repatriation for treatment to your home country, if within your coverage area, and return costs post-treatment.
Covers the cost of transporting deceased remains to the home country, excluding costs for accompanying persons.
Provides a daily cash benefit for up to 25 nights of free in-patient treatment, payable after discharge.
Covers ongoing treatment for terminal illness aimed at alleviating suffering, including hospital stays and prescription drugs.
Covers reasonable expenses for advanced treatment methods, as listed in the policy annexure.
Understanding these inclusions can help you choose a policy that suits your needs, whether you're looking for coverage for a single trip or planning to buy international health insurance for multiple trips throughout the year.
Just as it is essential to know what is covered, being aware of the exclusions is equally important when selecting overseas health insurance. Common exclusions include:
Unless explicitly covered, any medical condition that existed before purchasing the policy is not covered.
Cosmetic surgeries, weight loss treatments, and other elective procedures are excluded.
Injuries sustained while participating in hazardous sports like skydiving, mountaineering, and scuba diving may not be covered unless specifically included in the policy.
Any injuries resulting from self-harm, drug abuse, or alcohol misuse are excluded.
Claims arising from acts of war, terrorism, or civil unrest are generally not covered.
Normal childbirth and related medical care are often excluded unless specified in the plan.
Treatments that are not medically necessary, such as dental cleaning or routine eye exams, are excluded.
By understanding these exclusions, you can make better decisions and ensure your selected health insurance for overseas visitors meets your specific requirements.
Make your getaway stress-free with Bajaj Allianz!
As mentioned above, under Global Health Care, there are two plans available. Both these plans have Domestic and International covers Imperial Plan and Imperial Plus Plan :
Now the table below shows the sum insured options availed under the Global Health Care policy:
Sum Insured |
Imperial Plan |
Imperial Plus Plan |
||||
|---|---|---|---|---|---|---|
Domestic Limit (Within India) |
INR 3,750,000 |
INR 5,600,000 |
INR 7,500,000 |
INR 11,200,000 |
INR 18,750,000 |
INR 37,500,000 |
International Limit |
USD 100,00 |
USD 150,000 |
USD 200,000 |
USD 300,000 |
USD 500,000 |
USD 1,000,000 |
Eligibility Criteria of Global Health Care
Further, the table below highlights the eligibility criteria to avail of this retail health product i.e. Global Health Care:
Parameters |
Information |
|---|---|
Resident |
Indian citizen |
Entry Age |
Proposer/ Spouse/ Parents/ Sister/ Brother/Parents/Parent-in-law/ Uncle/ Aunt: 18 years to 65 years Dependent Children: 3 months to 30 years |
Type of Policy |
Individual Policy |
Policy Period |
1 year |
Premium Payment Term |
Monthly, Quarterly, Half-yearly, or Annually |
Renewal Age* |
Within normal circumstances, lifetime renewal benefit can be availed |
Note: *The lifetime renewal benefit except on the grounds of moral hazard, misrepresentation, or non-cooperation of fraud. It is subject to policy and is renewed yearly within the grace period of 30 days from the expiry date.
Domestic Health Insurance- Domestic Cover
Take a look below to understand the in-patient benefits of domestic cover. It is offered for Imperial and Imperial Plus plans:
*Kindly refer to the brochure for additional details.
Let us now take a look at the table below to understand the sub-limits under the base sum insured:
Cover |
Imperial Plan |
Imperial Plus Plan |
||||
|---|---|---|---|---|---|---|
In-patient Hospitalization Treatment Limits |
INR 3,750,000 |
INR 5,600,000 |
INR 7,500,000 |
INR 11,200,000 |
INR 18,750,000 |
INR 37,500,000 |
In-patient Hospitalization Treatment |
Up to Sum Insured |
|||||
Hospital Accommodation (Room rent and ICU) |
At Actual |
|||||
Pre-hospitalization |
60 days |
|||||
Post-hospitalization |
180 days |
|||||
Local Road Ambulance |
Up to Sum Insured |
|||||
Day Care Procedures |
Up to Sum Insured |
|||||
Living Donor Medical Costs |
INR 500,000 |
|||||
Annual Preventive Health Check Up |
INR 5,000 |
|||||
Ayurvedic/Homoepathic Expenses |
Up to Sum Insured |
|||||
Air Ambulance |
INR 500, 000 |
INR 675, 000 |
INR 750,000 |
INR 750,000 |
INR 750,000 |
INR 750,000 |
Mental Illness Treatment |
Up to Sum Insured |
|||||
Rehabilitation |
INR 50,000 |
|||||
*The total sum insured payable under all covers will not exceed the in-patient hospitalization treatment sum insured
International Health Insurance- International Cover
Take a look below to understand the in-patient benefits of international cover. It is offered for Imperial and Imperial Plus plans selectively:
*Kindly refer to the brochure for additional details.
Take a look at the table below to understand the sub-limits under the base sum insured for international cover:
Cover |
Imperial Plan |
Imperial Plus Plan |
||||
|---|---|---|---|---|---|---|
In-patient Hospitalization Treatment Limits |
USD 100,000 |
USD 150,000 |
USD 200,000 |
USD 300,000 |
USD 500,000 |
USD 1,000,000 |
Deductible Options |
0 / USD 500 / USD 1,000 (On Annual Aggregate Basis) |
|||||
In-patient Benefits |
|
|||||
Hospital Accommodation (Room rent) |
Single Private Air Conditioned Room |
|||||
Hospital Accommodation (ICU) |
At Actual |
|||||
Pre-hospitalization |
45 days |
|||||
Pre-hospitalization |
90 days |
|||||
Local (Road) Ambulance |
Up to Sum Insured |
|||||
Day Care Procedures |
Up to Sum Insured |
|||||
Living Donor Medical Costs |
USD 30,000 |
USD 50,000 |
||||
Air Ambulance* |
USD 7,500 |
NA |
NA |
NA |
||
Air Ambulance + Medical Evacuation* |
NA |
Up to In-patient Sum Insured |
Up to In-patient Sum Insured |
Up to In-patient Sum Insured |
||
Mental Illness Treatment |
Up To Sum Insured |
|||||
Rehabilitation |
USD 750 |
USD 2300 |
||||
Accommodation Costs for One Parent Staying in a Hospital with an Insured Child under 18 years of age |
NA |
Up To Sum Insured |
||||
Emergency Treatment Outside Area of Cover |
NA |
Up to Sum Insured for maximum 6 Weeks per trip |
||||
Medical Repatriation* |
NA |
Up to Sum Insured |
||||
Repatriation of Mortal Remains* |
NA |
USD 13,500 |
||||
Inpatient Cash Benefit |
NA |
USD 175 Per night up to max 25 nights |
||||
Palliative Care |
NA |
Up to Sum Insured |
||||
Note: The total Sum Insured payable under all the above covers will not exceed the in-patient Hospitalization treatment limits. *The covers will be on a cashless basis only.
The below table shows the out-patient benefits:
Cover |
Imperial Plan |
Imperial Plus Plan |
||
|---|---|---|---|---|
Maximum Out-patient Plan Benefit for International Treatments Only |
NA |
USD 1,600 |
USD 2,400 |
USD 4,200 |
Out-patient Treatment (Medical Practitioner fees, Specialist fees, Diagnostic tests, and Prescription drugs) |
Covered up to USD 1,000 (Excluding out-patient Dental Treatment) |
Covered up to USD 1,500 (Excluding out-patient Dental Treatment) |
Covered up to USD 2,500 (Excluding out-patient Dental Treatment) |
|
Physiotherapy Benefit (Prescribed Physiotherapy) |
USD 300 |
USD 450 |
USD 850 |
|
Alternate/Complementary Treatment Expenses (Chiropractic treatment, Osteopathy, Homeopathy, Chinese herbal medicine, Acupuncture, and Podiatry |
USD 300 |
USD 450 |
USD 850 |
|
Dental Plan Benefits (Optional)
Cover |
Imperial Plan |
Imperial Plus Plan |
||
|---|---|---|---|---|
Maximum Dental Plan Benefit For International Treatments Only |
USD 350 |
USD 450 |
USD 600 |
USD 2,300 |
Dental Treatment Outside India |
20% Co-Payment |
20% Co-Payment |
||
Dental Surgery Outside India |
20% Co-Payment |
20% Co-Payment |
||
Periodontics Outside India |
20% Co-Payment |
20% Co-Payment |
||
Further, let us understand the out-patient benefits for international cover and this applies to Imperial Plus Plan only:
→ Out-patient Benefit: Any outpatient incurred expenses such as doctors/ specialist fees, diagnostic tests, and prescription drugs remain covered during the policy term.
→ Physiotherapy Benefit: Expenses that are incurred towards prescribed physiotherapy taken on an outpatient basis for an illness or injury during the policy term also remain covered.
→ Alternate/Complementary Treatment Expenses: In case the insured consults a therapist for an illness or injury alternate treatment methods like osteopathy, homeopathy, podiatry, etc. also remain covered.
→ Dental Plan Benefits (Optional): Global Health Care also offers a dental health cover with a mandatory co-payment of 20% on every claim. This includes dental treatment, surgery, and periodontics outside India.
*Kindly refer to the brochure for additional details.
Which Global Health Insurance Policy is Right for You?
Selecting the ideal global medical insurance policy is crucial. The key objective of international medical insurance in India is to choose a plan that fulfills your needs and is not heavy on your pocket.
It is highly recommended to go with the insurance company that has an established name both in the country you reside in and international as well. If you are wondering about the international health insurance costs, you need not worry. You can customize the plans as per your varying needs.
The global health insurance cost plays an imperative role when it comes to selecting the insurance company. However, we should always remember that you should choose an insurer on what they offer. The final decision to avail of the international health insurance benefits should simply not only be based on cost upon the premium. Our Global Health Care offers an array of covers and supports you throughout the medical crisis hour.
With our Global Health Care, you need not worry about availing best medical care and hospitalization expenses in case you are diagnosed with an illness or any other condition. Here’s a rundown of some key points that need to be kept in mind while choosing a cost-effective overseas mediclaim policy:
With this handy checklist, now you know how to get international health insurance and remain anxiety and stress-free whether domestic or abroad.
Purchasing short-term international health insurance is a straightforward process but requires careful consideration. Here’s how to do it:
Determine the duration of your stay, the countries you will be visiting, and any specific health requirements you may have.
Research and compare different plans offered by health insurance brands in India to find one that suits your needs.
Read the policy documents thoroughly to understand what is covered and what is not.
Use the online tools provided by Bajaj Allianz General Insurance Company to get a quote based on your travel details and coverage needs.
Once you’ve found the right plan, you can buy international health insurance online. Fill in your personal details, review the terms, and make the payment.
In case you need to file a claim under your overseas health insurance policy, follow these steps:
Inform your insurer about the emergency immediately. Bajaj Allianz General Insurance Company offers a 24/7 helpline for assistance.
Provide the necessary documents such as the claim form, medical reports, and bills to the insurer. Ensure all documents are original and authentic.
The insurer will review your claim and verify the details. If everything is in order, the claim will be approved.
Once approved, the claim amount will be settled per your policy's terms. The insurer will directly settle the bill with the hospital for cashless treatment.
By understanding the claim procedure, you can ensure a smooth and hassle-free experience in case of any medical emergency during your travels.
Set Renewal Reminder
Thank you for your interest. We will send you a reminder when your policy is due for renewal.
Domestic Cover: If you are advised hospitalization within India due to an illness or accidental bodily injury during the policy term then a cover will be provided for the same.
International Cover : If the insured is advised for hospitalization due to any illness or injury during the policy term, a cover shall be provided by the insurer.
Domestic Cover: The medical expenses incurred during the 60 days immediately before you got hospitalized for the illness or injury for which subsequent hospitalization was required.
International Cover : Any medical expenses incurred during 45 days before the insured was hospitalized for an illness or injury for which subsequent hospitalization was required.
Domestic Cover: The medical expenses incurred during the 180 days immediately after you got discharged post-hospitalization for the illness or injury for which the earlier hospitalization was required.
International Cover : The medical expenses incurred during 90 days after the insured was discharged for an illness or injury for which earlier hospitalization was required.
Domestic Cover: The insurer will either pay or reimburse the expenses incurred on the ambulance that transferred the insured member to the nearby hospital in case of any medical emergency.
International Cover : When the insured needs to be transferred to a nearby hospital the ambulance expenses incurred for transferring remain covered.
Domestic Cover: Any incurred medical expenses for day care procedures or surgeries taken in the hospital and not in the outpatient department remain covered.
International Cover : Any day care procedures or surgeries taken as an in-patient in the hospital will also be covered.
Domestic Cover: The expenses incurred towards organ donor treatment for harvesting of the donated organ will be provided by the insurance company.
International Cover : In case the medical expense is towards an organ donor is a treatment to harvest the donated organ a cover will be provided.
Domestic Cover: After every renewal of Global Health Care, the insured is eligible for an annual preventive health check-up. The incurred expenses will be reimbursed as per the specified limits.
Domestic Cover: A cover will be provided if the insured is hospitalized for not less than 24 hours. It should be in any ayurvedic or homeopathic hospital due to an illness or accidental bodily injury during the policy term.
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Domestic Cover: In case rapid ambulance transportation is required for emergency life-threatening diseases a cover for it is provided.
International Cover : Air Ambulance (Applicable to Imperial Plan Only): In case of a medical situation wherein the insured had to be airlifted in an airplane or helicopter to avail the treatment. Then, the rapid ambulance transportation remains covered.
Domestic Cover: If the treatment is availed in a psychiatric unit of the hospital up to the sum insured a cover is offered.
International Cover : In case of treatment is availed at the psychiatric unit of the hospital a cover is offered.
Domestic Cover: Any treatment that combines therapies like physical, occupational, and speech also remains covered.
International Cover : If the treatment combines therapies such as physical, occupational, and speech therapy, it remains covered.
Domestic Cover: In case the insured undergoes any modern treatment also remains covered. It includes Uterine Artery Embolization, deep brain stimulation, stereotactic radio surgeries, vaporization of the prostate, etc.
International Cover : Expenses incurred for the modern treatment methods like deep blood stimulation, robotic surgeries, bronchial thermoplasty, and so forth remains covered.
International Cover : Palliative Care (Applicable to Imperial Plus Plan Only): Expenses incurred on the diagnosis of a terminal illness, for any ongoing treatment, that aims to alleviate the physical/psychological suffering associated with progressive, incurable Illness and to maintain quality of life.
International Cover : The daily cash benefit can be availed for a maximum of 25 nights wherein you receive the in-patient treatment free of charge for a condition covered by the insurer.
International Cover : (Applicable to Imperial Plus Plan Only): Repatriation of mortal remains is the transportation of the insured deceased remains from the principal country of residence to the country of burial. The insurer cover costs such as embalming, a container legally appropriate for transportation, shipping, and the necessary government authorizations. No cover is provided to anyone for accompanying the remains
International Cover : (Applicable to Imperial Plus Plan Only) If the necessary treatment for which the insured is covered isn't available locally one can choose to be medically evacuated to the home country for treatment. Following completion of treatment, the insurer also covers the cost of the return trip.
International Cover : (Applicable to Imperial Plus Plan Only If “Excluding the USA” Cover has Opted) Any expense incurred for treatment of medical emergencies which occur during business or holiday trips outside the area of cover. A cover is provided for up to six weeks per trip.
International Cover : Accommodation Costs for One Parent Staying in Hospital with an Insured Child Under 18 Years of Age (Applicable to Imperial Plus Plan only) The accommodation expenses of one parent for the duration of the insured child’s admission to the hospital for eligible treatment remain covered.
International Cover : Air Ambulance + Medical Evacuation (Applicable to Imperial Plus Plan Only): If the insured contract any Illness/ sustain any Injury which necessitates emergency hospitalization, the insurer offers a cover for the incurred expenses. It is offered for the medical evacuation to the nearest appropriate location by ambulance, helicopter, or airplane.
International Cover : In case the medical expense is towards an organ donor is a treatment to harvest the donated organ a cover will be provided.
Any dental treatment that comprises cosmetic surgery, dentures, dental prosthesis, dental implants, orthodontics, or surgery of any kind unless as a result of accidental bodily injury to natural teeth and also requires hospitalization unless specified
The cost of spectacles, contact lenses, hearing aids, crutches, dentures, artificial teeth, and all other external appliances and/or devices whether for diagnosis or treatment except for the cost of artificial limbs, cost of prosthetic devices implanted during surgical procedures like pacemaker, orthopedic implants, cardiac valve replacements, vascular stents, etc.
Congenital external diseases or defects or anomalies, growth hormone therapy
Intentional self-Injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol)
Costs in respect of a family therapist or counselor for out-patient mental illness treatment
*Kindly refer to the brochure for a complete list of exclusions
1- Costs for hotel suites, four or five-star hotel accommodation, or hotel accommodation for an accompanying person
2- Travel costs for accompanying person
3- Travel costs of insured family members in the event of an evacuation
1- Expenses related to alcoholism, drug or substance abuse, or any addictive condition and consequences thereof.
2- Any expenses for diagnostic tests, investigations/treatment taken without the psychiatrist advising the same and which are not duly supported by his prescriptions
3- Alternate treatments other than allopathic treatment are not covered
4- For autism spectrum disorder, admissions, stays, or daycare treatment at specialized educational facilities are not covered
5- Outpatient Treatment for Mental Illness
Cover is not provided for curative or follow-up non-emergency treatment, even if you are deemed unable to travel to a country within your geographical area of cover. Nor does it extend to charges relating to maternity, pregnancy, childbirth, or any complications of pregnancy or childbirth
1- Travel costs for accompanying person
2- Travel costs of insured family members in the event of repatriation
3- Travel costs of insured members to be with a family member who is at the peril of death or who has died
Expense incurred for any person accompanying the remains is not covered
When it comes to international health insurance cost, it is on a higher-end comparatively. Your location plays an important role in determining the health insurance premium. It’s always a good idea to invest in global medical insurance to cover the varying medical needs. For instance, in countries like the USA and UK seeking medical treatment is an expensive deal. Hence, it becomes prudent to select one of the global health insurance plans that fulfill the needs.
A pre-existing disease surely impacts the international medical insurance cost. There are chances that the applicant may have a pre-existing disease. So, while buying the plan ensure that you provide all the correct information to the insurance company. Truth needs to be the base while you zero down a plan. So that in case of an emergency the insurance plan offers you the cover as per the terms and conditions of the policy.
Global health insurance offers optimum coverage across the world. It is advisable to choose a suitable plan before you fly out to a different country. An uncertainty never comes with prior notice. If you choose our Global Health Care, remain worry-free while you are in the country or outside the Indian boundaries.
Anyone who needs to avail of the Global Health Care plans needs to be a resident of India and meet the below entry age criteria.
· Proposer/ Spouse/ Parents/Sister/ Brother/Parents-in-law/Aunt/Uncle: 18 years to 65 years
Dependent Children: 3 months to 30 years
When it comes to buying global medical insurance the eligibility criteria may vary from insurer to insurer.
The policy period for Bajaj Allianz Global Health Care is 1 year. This Global Health Care plan comes with a lifetime renewal benefit subject to applicable terms
The Global Health Care policyholder can apply for the enhancement of the sum insured during renewal. You simply need to apply for the enhancement of the sum insured by submitting a fresh proposal form to the insurance company. On the premise of the health condition of the insurance and claim history of the policy. Only after it, the insurance company decides on the enhancement of the sum insured.
Global Health Care is an individual policy and can be availed only for a year
Yes, if you buy a Global Health Care policy you avail yourself of health coverage worldwide. Global Health Care is a comprehensive health indemnity insurance product that offers a cover to the Indian resident both domestically and abroad.
Our Global Health Care under normal circumstances offers lifetime renewal benefits except on the grounds of moral hazard, misrepresentation, non-cooperation, or fraud. It is subject to the policy being renewed annually with the insurer within the grace period of 30 days from the expiry date.
The following are the pre-policy medical examination criteria for Global Health Care:
For New Business
Domestic Sum Insured |
INR 3,750,000 |
INR 7,500,000 |
INR 18,750,000 |
INR 5,600,000 |
INR 11,200,000 |
INR 37,500,000 |
|
International Sum Insured |
$ 1,00,000 |
$ 2,00,000 |
$ 5,00,000 |
$ 1,50,000 |
$ 3,00,000 |
$ 1,000,000 |
|
18 years to 50 years |
No medical subject to no adverse health conditions |
Full Medical Report, ECG with reporting, FBG, CBC WITH ESR, Cholesterol, HDL Cholesterol, Triglycerides, Creatinine, GGTP, SGOT, SGPT, HbA1c, Urinalysis, Total Protein, Sr. Albumin, Sr. Globulin, A: G Ratio + USG* |
|
51 years to 65 years |
Full Medical Report, ECG with reporting, FBG, CBC WITH ESR, Cholesterol, HDL Cholesterol, Triglycerides, Creatinine, GGTP, SGOT, SGPT, HbA1c, Urinalysis, Total Protein, Sr. Albumin, Sr. Globulin, A: G Ratio + USG* |
||
*USG abdomen and Pelvis
For Portability
All portability proposals will require pre-policy medicals above the age of 18 years
For Migration
All migration will require medicals above the age of 50 years subject to NIL claims & medical history
Note: The pre-policy check-up would be arranged at our impaneled diagnostic centers.
If you renew Global Health Care without any break and no claim has been made in the preceding year, the insurance company will increase the indemnity limit by 20% of domestic cover’s base sum insured per annum.
Global Health Care is extended to pay the expenses incurred for the below-mentioned dental-related covers with a mandatory co-payment of 20% on each claim, subject to terms and conditions and up to a limit specified in the policy. It is important to note that dental benefit is only offered under international cover.
· Dental Treatment Outside India
The insurer will pay the customary and reasonable expenses up to a specified limit incurred for dental treatment like annual check-ups, root canal treatment, simple fillings, and dental prescription drugs.
We will pay Customary and Reasonable expenses up to the limits specifies in the Policy Schedule incurred for Dental Treatment which includes annual check-ups, simple fillings related to cavities or decay, root canal treatment, and dental prescription drugs.
· Dental Surgery Outside India
The insurer will pay the customary and reasonable expenses up to a specified limit incurred for dental surgery, tooth-related surgical procedures, dental prescription drugs, and other investigative procedures which establish the need for dental surgery.
· Periodontics Outside India
The insurer will pay the customary and reasonable expenses up to a specified limit incurred for treatment related to gum disease.
*Kindly refer to the brochure for more details.
Anyone who looks forward to buying a Global Health Care plan should fulfill the below entry age criteria:
· Proposer/ Spouse/ Parents/Sister/ Brother/Parents-in-law/Aunt/Uncle: 18 years to 65 years
· Dependent Children: 3 months to 30 years
Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.
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I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.
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