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Want to get Covered for Overseas Treatment? Here’s How It’s Possible

Published On Oct 01, 2019 5:30 AM By Yamini Sharma

The cost of medical treatment in India has escalated in the past few years. In a scenario, where one finds undergoing medical treatment in the country expensive and over-budget, availing medical treatment outside India is totally out of the question. Thankfully, we have health insurance options that lighten our burden in medical emergencies, especially those related to life-threatening diseases so that we can, at least, stay financially stable while struggling with our medical condition. Moreover, we have health insurance plans for overseas treatment that make sure we don’t end up breaking our bank while trying to secure the health of our loved ones outside the country.

Overseas Treatment - A Worthy Option?

Overseas medical treatment under a health insurance  may still seem beyond the bounds of possibility to many. They may think, “How am I going to pay for overseas treatment when I can hardly afford the treatment in India?”. However, it is important for them to understand that overseas medical treatment is not big-budget when you have the “right overseas treatment policy” by your side.

Certain health insurance policies by renowned health insurance companies have come a long way by providing wide coverage, and that too at an affordable premium price. All you need to do to avail the best medical cover abroad is find the perfect one as per your requirements & financial limits and invest in it. This is definitely one of the best ways to avoid regretting later, in case things go wrong due to lack of proper treatment for critical illnesses or other life-threatening diseases.

Policies Covering Overseas Medical Treatment 

With the passage of time, many people have welcomed the overseas treatment policies. You too can make the most of the opportunity and get your loved ones treated well by investing in a plan that fits every standard of your basic requirements. You can explore your ultimate overseas medical treatment insurance option from the crucial list comprising: 

Pro Health - Manipal Cigna 

Pro Health is Manipal Cigna’s comprehensive plan that provides value for money. In case of medical emergencies, it helps you enjoy financial stability without any inconvenience. 

  • Features: The sum insured for Pro Health plan starts from Rs. 2.5 Lakh and goes up to Rs. 1 Crore. Featuring lifelong renewability, Pro Health plan by Manipal Cigna comes in Protect, Plus, Preferred, Premier, and Accumulate variants, which vary in their sum insured as well as range of features & benefits.
  • Global Coverage: All variants of Pro Health plan offer worldwide emergency coverage up to full sum insured once in a policy year. Any medical expense covered is limited to inpatient hospitalisation only. 
  • Basic Coverage: Pro Health plan has a vast array of features to offer. The list includes Inpatient Care, Pre & Post Hospitalisation, Day Care Treatment, Domiciliary Hospitalisation, Ambulance Cover, Donor Expenses, Health Maintenance Benefits, Restoration of Sum Insured (For Protect, Plus, Preferred, and Accumulate only), Health Check-up, Expert Opinion on Critical Illness, and numerous others. 

Heartbeat - Max Bupa Health Insurance 

Max Bupa, under its Heartbeat plan offers superior coverage to individuals and families, ensuring their financial stability during a medical emergency.

  • Features: The sum insured options for Heartbeat plan range between Rs. 1 Lakh and Rs. 1 Crore. Offering lifelong renewability, the plan can be availed under Individual, Family Floater, and Family First plan options, each having variants, namely Silver, Gold, and Platinum. 
  • Global Coverage: Under Platinum plan (Heartbeat Individual and Family Floater & Heartbeat Family First), you can avail the additional benefit of Emergency Medical Evacuation, up to sum insured (excluding USA and Canada). Emergency Hospitalisation outside India can also be covered, up to sum insured (excluding USA & Canada). Specified Illness Cover outside India is also offered, up to sum insured (excluding USA & Canada), provided that symptoms of the specified illness manifest itself or first occur during policy period, and after completion of the 90 day from inception of first policy with Max Bupa. 
  • Basic Coverage: The policy covers Inpatient Care, Pre and Post Hospitalisation, Alternative Treatment, Day Care Treatment, Domiciliary Hospitalisation, Maternity Benefit, New Born Baby Cover, Vaccination of the new born baby, Living Organ Donor Transplant, Emergency Ambulance, and others. 

Care - Religare Health Insurance

Religare Care is a comprehensive health insurance policy that fulfills healthcare needs of all, be it an individual or a family. 

  • Features: The variants offered under the Care plan include Care 3 (Super Saver), Care 4 (Elite), Care 5 (Elite Plus), Care 6 (Global), and Care 7 (Global Plus), based on which sum insured for the plan varies between Rs. 4 Lakh and Rs. 6 Crore. 
  • Global Coverage: The Religare Care plan provides global cover for 12 critical illnesses. Under Care 6 (Global), you get the benefit of Care Anywhere, which covers expenses for inpatient or day care treatment taken outside India for major illness such as Cancer, Coma, Stoke, Total Blindness, and eight others. Under Care 7 (Global Plus), you get the benefit of Care Anywhere. Also, you get Global Coverage, which covers you for hospitalisation expenses outside India and anywhere around the world, except for USA, up to a certain amount specified under Maternity cover towards maternity expenses, with 10% co-payment per claim. This option covers you for anywhere outside India & USA for 45 continuous days in a single trip; maximum 90 days on a cumulative basis, in a policy year. If interested, you can select an optional cover Global Coverage - Total under which you get provides all benefits of Global Coverage feature with geographical scope extended to USA also.
  • Basic Coverage: The policy covers In-Patient Care, Pre & Post Hospitalisation, Domiciliary Hospitalization, Daily Allowance, Ambulance Cover, Organ Donor Cover, Lifelong Renewability, Annual Health-Checkup, No Claim Bonus, Second Opinion, and other benefits.

Critical Advantage Rider (Optima Restore) - Apollo Munich

Apollo Munich, under its plan range like Optima Restore, Easy Health Exclusive, Easy Health Premium, and others offers Critical Advantage Rider. Note that this benefit is Optional and available only when base sum insured is Rs.10 Lakh and above.

  • Features: Critical Advantage Riders covers 8 critical illnesses including Cancer, Heart Valve Replacement/Repair, Live Donor Organ Transplant, Coronary Artery By-Pass Surgery, Pulmonary Artery Graft Surgery, Bone Marrow Transplant, Neurosurgery, and Aorta Graft Surgery. Under this rider, sum insured is offered in lump sum, if insured individual suffers from any major illness. 
  • Global Coverage: Critical Advantage Rider covers only planned treatment abroad on cashless basis. You also get covered for Accommodation Expenses, Travelling Expenses (for insured individual and accompanying relative), Repatriation Expenses, all up to sum insured. Most importantly, Critical Advantage Rider also covers Second Opinion for Major Illnesses. 
  • Basic Coverage: Critical Advantage Rider comes with the coverage for Inpatient Treatment as well as Post Hospitalisation, up to sum insured. You can purchase this optional cover as individual and/or family, on individual sum insured basis. 

That being said, make the right overseas treatment choice without being concerned about your financial stability. The plans mentioned promise superior treatment overseas and you won’t have to watch all your hard-earned money go down the drain due to medical contingency.

To uncover more in detail from our experts at InsuranceDekho, initiate contact at 18001205698. 

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