If you are a travel-lover or your job demands you travel to foreign countries frequently, you might have come across several health insurance plans. With the world coming closer and the risk of health emergencies, having a proper insurance cover has become a necessity. Here’s when international medical insurance makes its appearance.
Moreover, with global health coverage, you can even plan advanced treatments in other countries to better recover from a health condition.
If you are still sceptical about international health insurance, here’s more about global medical coverage.
What is a Global Health Insurance Cover?
Global health insurance is comprehensive health insurance that offers worldwide coverage for planned health treatments and emergency conditions when travelling to another country.
While you can always choose travel medical insurance when travelling to a foreign country, international health insurance is a more comprehensive option that covers multiple countries and also lets you plan advanced treatments for an existing condition.
What Does a Global Health Insurance Cover?
Treatments
International health insurance covers treatments in a foreign country. With a reliable health insurance policy, you can have access to the best treatment facilities even when travelling and do not have to worry about financial burdens during emergencies.
In-Patient Treatment
Global medical coverage covers all in-patient expenses, including room rent, nursing expenses, medicine and consumable expenses. Moreover, it also covers ICU charges and more.
Pre- and Post-Hospitalisation Charges
When you opt for a trusted insurer, international health insurance covers the pre- and post-hospitalisation charges. The best health insurance for expats might cover charges incurred for up to 15 days pre-hospitalisation and 30 days from the date of discharge.
Travel and Accommodation Expenses
A global health coverage is a great financial aid when planning a treatment for advanced facilities in a country outside India. Most global health insurance policies offer coverage for the travel expenses and accommodation expenses for the insured person, the accompanying companion and the living donor when required.
Global Coverage
International health insurance offers comprehensive coverage in a wide range of countries across the seven continents. However, you must confirm the covered countries, as some insurers might not include countries like the US and Canada.
How to Choose a Global Health Insurance Cover
When choosing global health coverage, you need to cover an array of factors.
- Ensure that the plan you choose offers a cashless claim facility worldwide. This will prevent you from worrying about the huge upfront expenses required for medical treatment.
- Check the countries covered under the international health insurance policy. Some insurers might not include countries like the USA and Canada.
- Confirm the sum insured by the insurance provider. It is also a good idea to have an idea about the expenses of a planned treatment in your desired country to make sure you have adequate coverage.
- Make sure that the health insurance policy covers all the required aspects, including OPD charges, room rent, medication, day-care facilities and others.
- Opt for easy renewal insurance plans.
Conclusion
Travel medical insurance is a legal requirement in certain countries. A global health insurance can fulfill this requirement while also providing a more comprehensive cover.
Go through the various options available and customise your global health insurance plan for better coverage.