Care Insurance

Secure Your International Trip With Global Health Insurance!

  • Published on 18 Mar, 2024

    Updated on 6 Aug, 2025

  • 2413 Views

    4 min Read

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.

What is Global Medical Insurance?

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.

Why is Global Health Insurance Important?

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:

  • Wide Coverage: The policy covers costs incurred during your hospital stay, including nursing fees, doctor visits, ICU fees, lodging, and more.
  • Advanced Healthcare: You won’t need to worry about access to advanced medical facilities while abroad. 
  • Peace of Mind: You gain ultimate peace of mind. The policy covers routine check-ups, preventive care, and emergency evacuations.
  • Customisable Plans: Global health insurance plans are very flexible, allowing you to select coverage for outpatient care, wellness services, specialists, and even evacuation according to your requirements.

Who Needs Global Health Insurance Coverage?

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:

  • You enjoy travelling and frequently go overseas.
  • You work in a job that necessitates long stays abroad, like pilots or cabin crew.
  • You frequently travel abroad for business or to meet clients.
  • You are a student planning to pursue higher education abroad. 

Get the Best Global Health Insurance Coverage with Care Advantage

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.

Key Benefits of Care Advantage With Global Coverage

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.

What is Covered by Global Health Insurance Plans?

Global health insurance plans offer coverage for the following:

  • In-patient hospitalization
  • Daycare procedures
  • Emergency treatment outside coverage area
  • Medical evacuation
  • Medical repatriation
  • OPD cover
  • Post-hospitalization expenses
  • International second e-opinion
  • Critical illness cover
  • Accommodation expenses
  • Ambulance expenses (Air & Road)
  • Rehabilitation expenses
  • Personal accident cover

Exclusions of Global Health Insurance Coverage

Similar to domestic health plans, international health insurance plans have specific exclusions:

  • Cosmetic surgery
  • Congenital external diseases
  • Obesity or bariatric surgery is excluded
  • Self-injury
  • Injuries or hospitalisation resulting from illegal activities are excluded
  • Treatments for abuse of alcohol, drugs or other intoxicating substances
  • War and related perils

How to Choose a Global Health Insurance Plan?

Here are a few things to keep in mind while choosing a global health insurance plan:

  • Opt for Cashless Coverage – Look for plans offering cashless treatment abroad, ideally with a strong overseas TPA (Third Party Administrator) network for smooth cashless claims and offer hassle-free settlements.
  • Check the Coverage Area – Not every global medical insurance plan includes worldwide coverage. Some may not cover treatments received in the USA and Canada. Confirm the coverage area in various plans and choose one that includes countries where you might seek medical care.
  • Choose High SI Coverage – Select a sum insured that can fully cover your worldwide medical expenses without straining your finances.
  • Ensure Core Coverage - Ensure the plan covers essential inpatient and daycare expenses up to your sum insured. Consider adding OPD or accommodation benefits if needed.
  • Look for Renewal Benefits – Ensure you select a global healthcare plan that provides renewal benefits, including cumulative bonuses, no-claim bonuses, and annual health check-ups with each renewal.

Over to You

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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  • Need Assistance? We Will Help!

  • Q. What is global health insurance?

    Health insurance companies offer global coverage, covering medical expenses incurred anywhere in the world.

    Q. Do I need to go for a medical test before buying a health insurance policy?

    No, the majority of global health plans do not mandate a pre-policy medical check-up.

    Q. Which health insurance has worldwide coverage?

    Care Advantage is the best health insurance with worldwide coverage in India.

    Q. Is global health insurance expensive?

    Health insurance worldwide coverage can be more costly than domestic health insurance because it covers a larger geographical area than standard health plans.

    Q. Does global health insurance cover pre-existing diseases?

    Yes, all global health insurance plans include coverage for pre-existing conditions. There is a waiting period of 2 to 3 years, depending on the specific plan.

    Q. Does global health insurance cover medical expenses incurred in India?

    Yes, international health insurance plans include medical costs incurred in India and overseas.

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