An international health insurance cover is designed to help you secure funds to pay for planned medical treatments abroad. It offers coverage for a broad spectrum of medical services, providing a financial safety net for you and your family during unprecedented scenarios.
Reliance Health Global Policy is our
international health insurance plan that provides different coverage options for customised solutions catering to individual financial and health needs. It is a comprehensive coverage you can access across seven continents, with seven lakh specialists, securing world-class health care beyond boundaries.
In this blog, we will delve into understanding this health insurance worldwide coverage and its key features.
Understanding International Health Insurance Coverage
Reliance General Insurance offers international health insurance coverage under two options: Global Cover and Global + India Cover. While Global Cover offers coverage for planned hospitalisations for specialised treatments, Global + India Cover offers global coverage and includes wide-ranging illnesses and planned and emergency hospitalisations in India.
Within these two choices, we have different plan options with specific coverage benefits. Let us discuss these coverage features in detail.
What is Covered in Reliance Health Global Policy?
Scope of Coverage
Reliance Health Global Policy offers coverage for planned hospitalisations under four plan options, namely, Elite, Elite +, Royal and Royal + plans. It is applicable to individual and family floater health insurance plans.
While most of the international insurance coverage benefits are the same across the plan options, they differ in terms of additional coverage options such as travel expenses, accommodation expenses, assistance services, etc.
This variation allows you to choose a plan tailored to your specific financial situation and medical needs. And with us, you can also ensure a lifetime limit with twice the annual sum insured.
Illnesses and Treatments Covered
International medical insurance coverage is extended to a wide range of illnesses and their treatments, including cancer treatment, neurosurgery, heart valve replacement or repair, bone marrow transplant, donor organ transplant, and reconstructive surgery.
It is a comprehensive coverage that provides access to top-tier medical facilities and specialised treatments worldwide, reducing financial strain.
Inpatient Care
Inpatient treatment expenses related to hospitalisation are covered up to the limit of the sum insured. It covers the medical services offered, such as ambulance charges, the cost of medication and organ donor expenses. It helps you recover faster and better without the distraction of managing medical expenses.
Pre-Hospitalisation Expenses
The international health insurance cover also extends to pre-hospitalisation medical expenses within the sum insured from the date of arrival in the city for up to 15 days or until the commencement of the planned medical procedure, whichever is earlier.
Post-Hospitalisation Expenses
Post-hospitalisation medical care is highly essential especially for major surgeries. We offer international health cover for post-hospitalisation medical expenses within the sum insured for up to 30 days from the hospital discharge.
Pre and Post-Operative Day Care Treatment
Pre and post-operative day care treatment refers to medical procedures that do not require overnight hospitalisation. This comprehensive international health cover minimises your out-of-pocket expenses if you are going abroad for a planned surgical procedure.
Rehabilitation
Accident-related rehabilitation services, such as physical, occupational and speech therapy, are required to restore mobility and strength after a massive accident. Reliance Health Global Policy covers these expenses under the Elite + and Royal + plans.
Travel Expenses
Under our Elite + and Royal + plans, Reliance Health Global Policy also offers international insurance coverage for travel expenses worldwide for planned medical procedures and hospitalisations.
The coverage is offered to the insured, companion and living donor(if applicable). The benefit offered is different for countries, including the USA and Canada and excluding them.
Accommodation Expenses
Further, the Elite + and Royal + Plan covers accommodation expenses for up to a maximum of 60 days within the sum insured. Here again, the coverage differs for the countries worldwide, including the US and Canada and excluding them.
Further, the coverage is applicable to the accommodation for the insured person, companion, and the living donor (if applicable) in the city of treatment.
Repatriation of Mortal Remains
In the unfortunate event of the insured’s death, coverage for the repatriation of mortal remains pays for the expenses to transport the deceased person’s remains to India. It applies to even local cremation or burial procedures.
Second Opinion
Exploring all possible treatment options through a thorough and accurate diagnosis is essential to making well-informed decisions about their healthcare and avoiding unnecessary procedures.
We offer coverage to seek a second opinion from your preferred world-renowned specialists in all our international health insurance plans under the Global Cover. This coverage applies when you are diagnosed with any of the illnesses specified in the policy.
Visa Charges and Documentation
The difficulty you face with visa charges and documentation during extreme ill health conditions can add significant stress to an already challenging situation.
By covering the expenses for visa processing within the sum insured and offering assistance in providing documentation-related details, we ensure a smooth and efficient process to alleviate the administrative burdens of international travel.
Assistance Services
In addition to all the above coverage benefits, our international health coverage also includes a range of assistance services to support you in case of planned hospitalisations abroad.
These services include translation services, transmission of urgent messages, consular referral, lost passport assistance, arrangement of radio taxis, emergency cash assistance and chauffeur services.
What is Covered in Reliance General Insurance’s Health Global+ India Cover?
Scope of Coverage
Reliance Health Global + India Policy includes a wide range of illnesses and planned and emergency hospitalisations in India under two plan options, namely, Basic Plan and Comprehensive Plan. Both plans offer extensive coverage benefits tailored to diverse healthcare needs.
You can determine the sum insured required and benefit from unlimited reinstatement if it gets exhausted in a given policy year.
Treatments Covered
It covers all illnesses, including specified illnesses, such as cancer treatment, heart valve replacement or repair, neurosurgery, bone marrow transplant, organ donor surgery, etc., in India. With an adequate sum insured under international health insurance cover, you can ensure the highest quality treatment and advanced medical procedures.
Inpatient Care
Inpatient care provides comprehensive support for all your hospitalisation needs. When you are hospitalised, you can get covered for the medical expenses, including consumables up to the sum insured. Further, you can also benefit from no restriction on room category.
Day Care Treatment
Day Care treatment refers to any treatment that does not require hospitalisation, even for a day. Your policy extends coverage to a wide range of Day Care procedures up to the sum insured.
No Claim Bonus and Inflation Protection
For every claim-free year, you can benefit from a 25% increase in the base sum insured up to 100%. However, in the event of a claim, the sum insured will decrease by 25%.
Furthermore, with Reliance General Insurance, regardless of the number of claims made in a particular year, the base sum insured at the end of every policy year can increase by 8% (up to 100%).
Home Care Treatment
Under the comprehensive plan, you can benefit from coverage for home care treatments for up to 15 days in a policy year, including round-the-clock doctor visits.
OPD and Medical Equipment
Under the comprehensive plan, you can also cover the costs for OPD, including Generalist and Specialist Consultations, Prescribed Diagnostic Tests, Dental Treatments, etc.
In addition, you can also get covered for the expenses related to small or durable medical equipment obtained for medical purposes.
Domiciliary Expenses
Suppose you are unable to go to a hospital due to illness or the unavailability of hospital rooms. In that case, you can be covered for the expenses of getting treated at your home within the sum insured.
Pre-Hospitalisation and Post-Hospitalisation Expenses
With our Global + India Cover, you can be covered for all the medical expenses before and after hospitalisation for up to 90 days and after hospitalisation for up to 180 days within the sum insured under the international insurance coverage.
Rehabilitation
Under our comprehensive plan, you can also benefit from coverage for rehabilitation treatment, such as physical or speech therapy.
Second Opinion
If you feel an additional medical opinion from another doctor is necessary, we can cover the additional consultation expenses with our basic and comprehensive plans.
Assistance Services
With our international insurance coverage under Global + India Cover, you can also be covered for the expenses incurred for teleconsultation, arranging an at-home nurse, booking a health check-up and calling an emergency helpline.
Domestic Road and Air Ambulance
Both basic and comprehensive plans offer coverage for expenses incurred when using road ambulance services or air ambulance services during life-threatening scenarios.
Health Check-Ups
Starting from the second consecutive policy year, under the comprehensive plan, you can also receive coverage for health check-ups, including preventive and diagnostic tests listed in the policy.
How to Choose the Best International Health Insurance Cover?
Analyse your Requirements
Start by assessing your health condition, pre-existing medical conditions and family medical history to determine the international insurance coverage required. Then, the costs for global healthcare need to be considered to determine the adequate sum insured.
Compare Overseas Health Cover
Compare the different international health coverage plan options, as well as their features and benefits, to shortlist a few options. When deciding on an option, consider the add-on coverage benefits and the waiting period related to the specific disease or illness.
Review and Decide
Review your requirements and choose suitable coverage based on your needs and affordability. Use our health insurance premium calculator to make a wise decision that best protects your health and financial well-being.
Wrapping Up
Securing an international health insurance cover is critical to ensuring access to planned medical attention required for specific health conditions abroad.
With extensive coverage options, assistance services and flexibility, Reliance General Insurance offers a wide range of
health insurance plans in India. For international health insurance needs, it extends the Global Cover and the Global + India Cover with the Reliance Health Global Policy to offer comprehensive solutions tailored to meet various specific healthcare needs.
Whether for planned hospitalisations or medical procedures, these international health cover options will ensure that you and your family receive the necessary medical care without financial stress, well supported by a network of global healthcare providers.
Frequently Asked Questions
Do Indian health insurance plans work in other countries?
The coverage offered by health insurance plans is specific to the terms and conditions outlined in each policy. For example, our Global Cover plan option covers planned medical procedures abroad, and our Global + India Cover option offers global coverage for the treatment of a wide range of illnesses and planned and emergency hospitalisations in India.
Can individuals with a pre-existing illness get international insurance coverage?
Yes, individuals with pre-existing illnesses can get international health insurance plans. However, the benefits will be applicable after the specific waiting period. For Reliance Health Global Policy, the waiting period for pre-existing diseases is 36 months.
Can I renew my international health insurance plan every year?
Yes, you can renew your international health insurance plan every year and benefit from the applicable discounts.