Overseas Health Insurance

International health insurance is made in a way to offer a complete healthcare cover to those relocating from their home country to another country for a sustained period of time, and travel insurance is aimed at providing protection cover for emergency treatment while you are in another country for a short period of time.

In some cases, medical insurance is compulsory for entry into some nations. For example, a minimum medical insurance is a prerequisite requirement for a visa into the Schengen Area, which comprises 26 European countries and this insurance is valid within the Schengen region for the full duration of your stay and it must cover any expenses relating to repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death.

In case the medical insurance is not obligatory even then it is a wise decision to get one before one travels to other country because in many countries the medical expenses is multiple times higher than in India.

Single trip International Travel Insurance

As the name suggests, a Single Trip International Travel Insurance provides coverage for a single international or domestic trip for a pre-defined given number of days. This kind of insurance is nice for those who travel once a year wherein it offers all the coverage and benefit of a good travel insurance policy as well as protects against unfortunate incidents. This sort of policy lapses the moment you return home from the trip.

Multi Trip International Travel Insurance

A Multi Trip International Travel Insurance provides coverage for multiple trips taken during a policy year and it is perfect for individuals who travel a lot and go on multiple trips regularly. For every trip, there is pre-defined maximum number of days that the policy is applicable for based on the plan that has been selected. It provides all needed protection and coverage during each trip and guarantees that you travel hassle free.

What's Included in the Explore Plan?

The Explore-International Travel Insurance plan is an overseas travel insurance plan with the following medical inclusions:

Hospitalization Cover: If there is a situation of emergency hospitalization or treatment due to an illness or injury during the travel, the insurance plan takes care of the related cost wherein both In-patient care and Out-patient treatment are included.

Pre-Existing Disease Coverage: Expenses arising due to treatment of a pre-existing disease in a life threatening situation.

Double Sum Insured for Accidental Hospitalization: The sum that is insured doubles in amount once in the case of an accidental hospitalization.

Treatment in Home Country: If after return from the trip, further treatment is required then the expenses for the same are covered for a period of up to thirty days or up to the end date of the policy, whichever is earlier.

Medical Evacuation: Any cost incurred due to emergency transportation and evacuation services in order to transfer the insured to an appropriate medical facility within the policy network.

Common Carrier Accidental Death: When the insured as a passenger faces accidental death on a common carrier/transport, a lump sum amount is paid.

Dental Expenses: Any dental expenses that are incurred due to an injury during the trip are covered for.

Daily Allowance for Hospitalization: When hospitalization is between two to five days, then expenses for meals, communication and transportation are provided.

2-Way Compassionate Visit: Travel expenses for an immediate family member is provided to bring them to the current location of the insured.

Accidental Death/Permanent Total Disability: Any unfortunate expenses arising out of permanent total disability or death during the trip is covered.

Having health insurance made me feel like a real person. Up until then, it felt like I was getting away with something, and if three things went wrong, it would all fall apart. -Greta Gerwig

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Health insurance is a type of insurance coverage that protects an individual or a group of people against medical and surgical costs against payment of regular premiums.

Mounting healthcare and surgical costs are a major strain on household budgets. Like any other insurance, mediclaim or health insurance is the best possible protection you or your family may have against any medical (usually hospitalization or surgical) costs. Health insurance also makes medical help affordable for everyone.

Mediclaim or health insurance makes you eligible for tax benefits on premium paid under 80D of the Income Tax Act.

Given the current healthcare scenario, there is no right age to get medical insurance – the earlier, the better. Children can be added to either parent’s mediclaim policy. Many health insurance providers also have special plans for senior citizens and old age related health costs.

Most health insurance providers offer customized mediclaim or health plans. They are broadly of 4 types –

  • Individual health plan
  • Family health plan
  • Critical illness plan
  • Senior citizen health plan

Accident-related medical costs are generally covered by all health insurance plans or may be taken as an add-on rider.

Health insurance costs vary depending on the following factors –

  • Number of persons covered
  • Age of the person/persons assured
  • Health of the person/persons assured
  • Location (health risks in metros is deemed more than that of people residing in small cities and villages)
  • Additional riders (if any are opted for)

When a person signs up for a health insurance, the insurance company ascertains premium based on a number of criteria. Once determined, the company usually charges the same premium for that age group. The older a policy holder gets, the more the premium amount is. In the meantime, if there is a claim in any year, the premium may be hiked upon policy renewal. This is called load premium. The insurance company may sometimes offer a discount on premium, if no claim is registered for a number of years.

Mediclaim health insurance policies usually do not cover the following –

  • Congenital medical conditions and diseases
  • Pre-existing diseases diagnosed prior to policy issuance
  • Medical costs arising out of self-inflicted injuries and/or attempted suicide
  • Cosmetic surgeries and/or treatments including dental treatment
  • Drunken driving related accidents
  • Cost of spectacles or contact lenses
  • Treatment of HIV/AIDS

Planned hospitalization – Submit a written application with the TPA. Include doctor’s recommendation for hospitalization, medical records, and planned expenses. Once approval comes through go ahead with hospitalization. Notify TPA and make a claim through the hospital to avail cashless benefits.

Unplanned hospitalization/Accidents – Notify TPA within 24 hours of hospitalization. Submit a notification statement with name, policy number, and known medical details. The insurer is likely to clear your eligibility details within a day or two. Stake cashless claim through the hospital to avail cashless services or pay cash and stake claim with all bills and records at the completion of treatment.