Global Health Care-International Health Insurance

Global Health Care

Traveling 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.

What is International Health Insurance?

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 when 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 ahealth insuranceplan 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 varies. 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 coverage.

At Bajaj Allianz General Insurance, we offer an array of health insurance solutions that take care of your needs and helps you keep safe. Our Global Health Care is a comprehensive healthIndemnity Insuranceproduct that provides seamless cover to the policyholder for planned as well as emergency treatment availed by Domestic (Within India) as well as International (Outside India) healthcare providers. The global health insurance policy allows the insured members to plan the treatments abroad hassle-free and avail the best medical facilities around the world.

How Does Global Health Insurance Work?

Global health insurance coverage in health insurance plans offers 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. 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 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:

✓ Imperial Plan

✓ Imperial Plus Plan

The Imperial Plan is a lower-end plan and the 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 highersum insured(SI) options. The higher plan also offers enhanced features of inbuiltOPD 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.

Features of International Health Insurance

At times, choosing global medical insurance could seem to be a tough task. However, being adequately covered is the need of the hour.Medical inflationcan take a toll on your pocket. And, if you are abroad, it becomes extremely crucial to have a global health insurance policy in place. You surely would not wish to spend money from your pocket or settle for any mediocre health care services. Read on to know about some of the features of our Global Health Care plan:

Cashless Facility

The overseas mediclaim facility offers a 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.

Adequate Coverage

With our Global Health Care plan you remain worry-free you need not compromise on availing of the best medical services or treatment whether domestic or international. If you have an overseas medical insurance policy you will be provided with suitable cover for expenses related to hospitalization, maternity consultations, etc.

Daycare Procedure Cover

Any medical expenses that are incurred during the process of treatment as per listed daycare procedures or any surgery as an inpatient remains covered by international health insurance India.

Hospitalization Expenses Cover

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.

Mental Health Treatment

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.

Annual Preventive Health Check-Up

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.

Benefits of International Health Insurance

Having the right health insurance for overseas visitors can make a huge difference during travels. Here are some key benefits:

Medical Emergency Coverage:

In case of illness or accidental injuries, international health insurance covers hospital expenses, doctor consultations, and medication costs.

Emergency Medical Evacuation:

If you require urgent medical treatment that isn't available locally, your insurance will cover the cost of evacuation to the nearest medical facility.

Daily Cash Benefit:

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.

Modern Treatment Method:

Coverage for reasonable expenses related to modern treatments, as outlined in the policy schedule and subject to policy terms.

Rehabilitation:

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 likeBajaj Allianz General Insurance Companyto ensure comprehensive coverage.

Why Do You Need International Health Insurance?

Traveling 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.

Why Should You Buy a Global Health Insurance Plan?

Imagine you are traveling abroad and you fall ill or have an accident. You may have travel insurance in place that would offer a medical cover. However, that just may not be enough. An overseas medical 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 be incurred. 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.

Covered International Health Insurance Plans

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:

In-patient Hospitalisation

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.

Pre-hospitalization

Covers medical expenses for 45 days before hospitalization for the same illness/injury, provided the hospitalization claim is accepted.

Post-Hospitalisation :

Covers medical expenses for 90 days after discharge for the same illness/injury, provided the hospitalization claim is accepted.

Local Ambulance:

Covers reasonable ambulance costs to the nearest hospital or to transfer between hospitals, in life-threatening emergencies, subject to policy limits.

Day Care Procedures :

Covers medical expenses for treatments that require less than 24-hour hospitalization, as listed in the policy.

Living Donor Medical Costs :

Covers expenses for organ donor treatment, if a valid hospitalisation claim for the insured is accepted.

Air Ambulance (Imperial Plan) :

Covers air transport in life-threatening emergencies, subject to policy limits and cashless service requirements.

Medical Evacuation (Imperial Plus Plan)

Covers evacuation to the nearest medical facility for emergency hospitalization or if treatment isn’t available locally, subject to policy limits.

Parent Accommodation (Imperial Plus Plan)

Covers accommodation for one parent during a child's hospitalization, up to a specified limit.

Emergency Treatment Abroad (Imperial Plus Plan) :

Covers emergency treatment during trips outside the coverage area for up to six weeks, subject to policy limits.

Medical Repatriation (Imperial Plus Plan):

Covers repatriation for treatment to your home country, if within your coverage area, and return costs post-treatment.

Repatriation of Mortal Remains (Imperial Plus Plan):

Covers the cost of transporting deceased remains to the home country, excluding costs for accompanying persons.

In-patient Cash Benefit (Imperial Plus Plan) :

Provides a daily cash benefit for up to 25 nights of free in-patient treatment, payable after discharge.

Palliative Care (Imperial Plus Plan) :

Covers ongoing treatment for terminal illness aimed at alleviating suffering, including hospital stays and prescription drugs.

Modern Treatment Methods :

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.

Not Covered International Health Insurance Plans

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:

Pre-existing Conditions :

Unless explicitly covered, any medical condition that existed before purchasing the policy is not covered.

Elective Treatments:

Cosmetic surgeries, weight loss treatments, and other elective procedures are excluded.

High-risk Activities:

Injuries sustained while participating in hazardous sports like skydiving, mountaineering, and scuba diving may not be covered unless specifically included in the policy.

Self-inflicted Injuries :

Any injuries resulting from self-harm, drug abuse, or alcohol misuse are excluded.

War or Terrorism :

Claims arising from acts of war, terrorism, or civil unrest are generally not covered.

Pregnancy and Childbirth :

Normal childbirth and related medical care are often excluded unless specified in the plan.

Non-essential Treatments:

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.

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 an insurance company that has an established name both in the country you reside in and internationally as well. If you are wondering about 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 theinsurance company. However, we should always remember that you should choose an insurer on what they offer. The final decision to avail of international health insurance benefits should simply not only be based on the cost upon the premium. Our Global Health Care offers an array of covers and supports you throughout the medical crisis hour.

How to Choose International Health Insurance in India?

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:

When it comes to choosing global medical insurance ensure that you opt for cashless benefits. The insurance company can directly settle the medical bill with the network hospital. In case the medical services have been availed at any non-network hospital the insured needs to avail of the reimbursement facility. If you are looking for health insurance in India with international coverage be certain that a major chunk of Global Health Care is due to daycare or in-patient hospitalization. OurGlobal Health Care planensures that you remain adequately covered in case you have to be hospitalized to avail of the treatment.

For domestic cover when you renew the Global Health Care policy without any break and no claim has been made in the preceding year, the proposer will increase the indemnity limit by 20% of the domestic cover base sum insured each year. When choosing international health insurance India looks out for insurance companies that have hassle-free claim settlement processes. It is suggested to look for theclaim settlement ratioof the insurer. A good Claim Settlement Ratio implies that the insurer is effective in settling the claims efficiently and quickly.

With this handy checklist, now you know how to get international health insurance and remain anxiety and stress-free whether domestically or abroad.

How to Buy International Health Insurance?

Purchasing short-term international health insurance is a straightforward process but requires careful consideration. Here’s how to do it:

Assess Your Needs :
Determine the duration of your stay, the countries you will be visiting, and any specific health requirements you may have.

Compare Plans :

Research and compare different plans offered by health insurance brands in India to find one that suits your needs.

Check Coverage and Exclusions :
Read the policy documents thoroughly to understand what is covered and what is not.

Get a Quote :
Use the online tools provided by Bajaj Allianz General Insurance Company to get a quote based on your travel details and coverage needs.

Purchase the Policy :
Once you’ve found the right plan, you can buy international health insurance online. Fill in your details, review the terms, and make the payment.

Claim Procedure for Travel Health Insurance

In case you need to file a claim under your overseas health insurance policy, follow these steps:

Contact the Insurer :
Inform your insurer about the emergency immediately. Bajaj Allianz General Insurance Company offers a24/7 helpline for assistance.

Submit Required Documents :
Provide the necessary documents such as the claim form, medical reports, and bills to the insurer. Ensure all documents are original and authentic.

Review and Approval :
The insurer will review your claim and verify the details. If everything is in order, the claim will be approved.

- Claim Settlement :

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.