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Published on 18 Mar, 2024
Updated on 6 Aug, 2025
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4 min Read
Written by Sejal Singhania
Reviewed by Akhil Pillai
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As more Indians embark on international journeys each year for work, vacations, and business trips, a critical question arises: Are you truly protected if a medical emergency occurs abroad? Navigating the international healthcare system can be quite difficult. However, investing in a global health insurance plan can protect you from unexpected expenses. This insurance secures your finances and shields you from high medical treatment costs, allowing you to enjoy your trip without financial stress.
International health insurance in India offers extensive coverage for a wide range of medical needs, both planned and unforeseen. Many plans also offer the invaluable benefit of international second opinions, providing peace of mind through expert medical advice from global specialists. Investing in global coverage insurance means you're prepared for any health contingency, wherever you are in the world. Let's explore what global coverage insurance is and how to choose the best global health insurance plan.
Global health insurance is a type of healthcare policy that offers financial protection for medical care received anywhere across the globe. While standard medical insurance policies are restricted to certain treatments within a country, global health insurance coverage typically has no such country restrictions.
With a global health insurance policy, you can personalise your coverage area and duration, choose from a range of deductible options, and select various payment methods.
It offers comprehensive coverage for medical care across international borders. Regardless of your location, global medical insurance acts as your one-stop solution for health, covering unforeseen circumstances, illnesses, hospital stays, and accidents.
In a world where international travel for work, leisure, or medical reasons is common, protecting your health while crossing borders is crucial. This is where global health insurance comes into play, offering essential financial and medical support that extends beyond your home country. Recognising its significance is essential for ensuring peace of mind and access to quality healthcare, no matter where life leads you.
Here are a few reasons why global health insurance is important:
The main question is, 'Should I buy an International Health Insurance Plan?'. Not everyone requires a global health plan; however, you should consider getting one if:
Under the Care Advantage Health plan, you get the benefit of Care Global health coverage. This comprehensive health insurance plan also covers hospitals abroad. Individuals who frequently travel abroad, require extended stays in a foreign country, or are seeking international medical treatment can invest in Care Global Coverage. A high sum insured of up to ₹6 crores provides the freedom to access the best available treatment. The plan covers various countries, including the USA (this inclusion is optional). Anyone requiring planned hospitalisation can get the advantage of global coverage with the Care Advantage health plan.
From financial security to comprehensive healthcare, Care Advantage offers more than basic global coverage. Here are the benefits of this health insurance for overseas trip:
Feature | Coverage |
---|---|
Sum Insured Offered | 25L, 50L, 1Cr, 2Cr, 3 Cr, 6 Cr |
Geographical Coverage Scope | World-Wide or excluding USA & Canada |
Inpatient & Daycare Treatment Expenses | Up to SI |
Pre-Hospitalisation Medical Expenses |
30 days ( with SI 25L, 50L & 1Cr) 60 days ( with SI 2Cr, 3Cr & 6Cr) |
Post-Hospitalisation Medical Expenses |
60 days ( with SI 25L, 50L & 1Cr) 120 days ( with SI 2Cr, 3Cr & 6Cr) |
Air Ambulance Cover | Up to SI |
Organ Donor Expenses | Up to SI |
Local Road Ambulance | Up to SI |
Repatriation of Mortal Remains | Up to 5 Lakh |
Compassionate Visit | Up to SI; Min. Hospitalisation required is 5 days |
Advanced Technology Methods | Up to SI |
Pro Tip: To receive planned global treatment, a diagnosis must first occur in India, and then the insurer must approve international care.
Global health insurance plans offer coverage for the following:
Similar to domestic health plans, international health insurance plans have specific exclusions:
Here are a few things to keep in mind while choosing a global health insurance plan:
Sometimes, people have to seek medical treatment outside the country. Surgeries and other medical procedures abroad can be quite expensive. Such planned treatments no longer have to wait, as Care Advantage global coverage is there with you.
Obtain a high sum insured with global coverage, ensuring you no longer have to compromise on your international medical treatment. With an affordable premium and various benefits, this health insurance cover gives you worldwide coverage.
>> Also Read: Benefits of Care Advantage Health Plan
Disclaimers: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
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