Your Search for Health Insurance with World Wide Coverage Ends HERE!
Updated On Feb 10, 2021
Medical costs are quite high in India. Outside the country, medical charges are even higher. Needless to say, availing treatment outside India can burn a hole in one’s pocket within no time.
At times, seeking the best possible cure of life-threatening diseases becomes a struggle in India. To ensure that their loved one gets treated without any compromise on quality, many individuals opt for health insurance plans that cover overseas treatment. To cater to the evolving needs of their customers, many health insurance companies have expanded their health insurance range with global health covers. Let's uncover what makes health insurance plans with overseas coverage a major hit.
Benefits of Buying Overseas Health Insurance Plans
1. Worldwide coverage
2. Better control over health costs
3. Flexibility in terms of choice of doctor, hospital, and time of appointment
4. Fast treatment without encountering long waiting lists
5. Coverage in home country as well as country of expatriation
Best Health Insurance Plans with World Wide Coverage
1. Religare Care Health Insurance Plan
Religare Care is a comprehensive health insurance plan that offers global coverage to the customers. Religare Care allows one to undergo treatment anywhere in the world, except for the United States of America. However, policyholders can choose Global Coverage - Total (optional cover and an extension of Global Coverage (Excluding U.S.A)), which provides comprehensive coverage that extends to 7 continents & works round the clock to offer cover, irrespective of the time zone.
Major Features:
1) Medical treatment anywhere in the world for 12 major illnesses through benefit “Care Anywhere” on the cashless basis
2) Minimum age of entry is 5 years with no upper-limit for entry age
3) Sum Insured of up to Rs.75Lakhs
4) Freedom of availing Day Care Treatments, Single Private Room rent, room upgrades, ICU charges, Ambulance coverage, health check-up, and others under this policy
5) Inbuilt maternity cover of up to Rs.1Lakh available with sum insured options of Rs.50, 60, and 70 Lakh
6) Policyholders can opt for cashless claims or reimbursement facility
2. Max Bupa Heartbeat Health Insurance
The Heartbeat Policy by Max Bupa is a comprehensive medical coverage for individual as well as extended family covering up to 14 members. In their Family First Plan, an individual sum insured is provided for each member, and a floating sum insured to any family member. Available in Silver and Gold, the Heartbeat policy, under its Platinum variant, offers coverage for worldwide treatment (except for USA and Canada) in the range of Rs.1.5 lakh to Rs.10 lakh for a family floater and individual coverage and Rs.5Lakh for family first coverage. However, treatment in USA and Canada can also be included by paying extra premium.
Major Features:
1) ‘Emergency Medical Evacuation and Hospitalisation’ feature in the Platinum plan offers coverage for Emergency Medical Evacuation and Hospitalisation expenses that are incurred by policyholders when out of India
2) No minimum or maximum age limit for the enrollment
3) Doctor’s fee, medicines, consumables and drugs are covered
4) Operation theatre charges, ICU charges, room rent charges, etc. are covered
5) Cost of equipment or devices implanted during a surgery is covered by the policy
6) Second medical opinion for specified Illness/planned surgery/surgical procedure provided
3. ManipalCigna ProHealth Health Insurance
ManipalCigna offers a range of ProHealth Insurance plans. The ProHealth Policy includes a worldwide emergency cover that comprises medical expenses incurred for emergency treatments for an illness or injury sustained or contracted outside of India, which cannot be postponed till the time the insured person has returned to India. The expenses are covered up to the limits specified under the plan opted by the insured and admissible under in-patient hospitalisation cover as per the terms of the policy.
Major Features:
1) ‘Protect’ and ‘Plus’ plans provide worldwide emergency coverage up to full sum insured (once a policy year)
2) ‘Preferred’ and ‘Premier’ plans provide worldwide emergency coverage up to a maximum of Rs.10 Lakhs
3) Policyholders can avail discounts on their premium
4) ProHealth insurance policy provides Healthy Rewards to minimise renewal premium amount
5) ProHealth Insurance policy offers extra coverage and maternity expenses too
6) The medical expenses payable is limited to in-patient hospitalisation and made in India, in Indian Rupees on reimbursement basis
4. Apollo Munich Critical Advantage Rider
Critical Advantage rider by Apollo Munich is like an add-on with a base policy. Any of Apollo Munich's basic health plans can be combined with Critical Advantage provided the sum insured under the base policy is at least Rs.10 Lakh. The Apollo Munich Critical Advantage Rider is a pocket-friendly cashless cover, without any co-pay clause or sub limits, to opt for planned treatment abroad.
Major Features:
1) The Critical Advantage rider is offered on an individual basis.
2) The rider is available in two variants, with sum insured about Rs.1.5 Crore and Rs.3 Crore.
3) The offered rider only against 8 critical conditions. The illnesses covered are Cancer, Heart Valve replacement/repair, Coronary Artery bypass surgery, Liver Donor Organ Transplant, Neurosurgery, Bone Marrow Transplant, Aorta Graft Surgery and Pulmonary artery graft surgery.
4) The plan provides for travel expenses of the patient, one attendant as well as donor if applicable along with accommodation and complete hospitalisation expenses up to the sum insured.
5) The policy insures only planned hospitalisation, so it requires the individual to be diagnosed in India for treatment abroad.
6) The rider covers accommodation expenses, post-hospitalisation expenses and second opinion expenses as well.
Also Read
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4 Health Insurance Plans for Pre-existing Disease Coverage in India
Conclusion
When it comes to ensuring the ideal treatment of their loved ones, people leave no stone unturned in investing in the best health insurance for overseas treatment. When choosing medical treatment abroad, individuals should emphasise and select overseas health insurance that caters to their medical treatment and associated costs, without compromising on their travel, accommodation, and other expenses. Medical expenses outside India may be too high, but with the right overseas treatment plan, the cost doesn’t deprive one of their peace of mind.
