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International Health Insurance acts as your global financial shield that covers medical treatments across countries worldwide. It helps you pay for the exorbitant hospitalisation expenses overseas to recover sooner and better.Reliance General Insurance offers Global Health Insurance Coverage (Global Cover) for planned medical treatments and both planned and emergency healthcare under Global + India cover.We cover a wide range of illnesses, including critical illnesses, with access to top-quality healthcare services worldwide.
Our overseas health insurance plans can be personalised to your specific requirements, including coverage for travel and accommodation expenses - all at a competitive price.With the right overseas health insurance policy, you can plan medical treatment for any health concern, free from financial and healthcare stress. Here is what Reliance International Health Insurance has to offer for your overseas healthcare needs.
An international health insurance plan covers healthcare expenses for medical treatments overseas. It can pay for the medical expenses for a wide range of treatments, including cancer treatment, donor organ transplant, bone marrow transplant, heart valve repair or replacement, and more.
International health insurance plans are specifically designed to help you manage the increasing costs of healthcare abroad.
The main objective of an international health insurance policy is to provide access to quality healthcare services for your medical concerns without worrying about their cost.
From travelling to a foreign destination and receiving necessary treatments to staying for the entire duration of your treatment, we have it all covered. It is a comprehensive package for all your international healthcare needs.
We offer global health insurance policies online for individuals and families, with shared sum insured options. You can personalise the health insurance coverage by choosing a specific policy option, determining the sum insured, policy period and more.
We extend a hassle-free claim settlement process in a few simple steps to ensure a smooth global health insurance experience.
Our Global Healthcare Plan provides comprehensive health insurance coverage for planned medical treatments worldwide. It covers a diverse array of specialised treatments.Our Global + India Cover provides coverage for planned hospitalisations overseas and planned and emergency hospitalisations in India.
The premium quotes will differ based on the features and benefits offered. Compare the coverage, choose a suitable policy and pay the applicable premium for the international health insurance plan.
Plan for medical treatment abroad based on your medical practitioner’s advice. Notify us about the medical treatmentReceive the treatment in any of our network of hospitals for the global health insurance policy cashless claims or any other authorised hospital for reimbursement claims.
Gather all the necessary documents for the international health insurance claim, including prescriptions, medical reports, bills and payment receipts and submit them to us.
Depending on your claim option, we will either pay the expenses directly or reimburse you later.
Health insurance plans in India don’t cover overseas medical treatments. An overseas health insurance plan ensures coverage for the high costs of medical treatments incurred in any country outside India.
While travel insurance covers unprecedented expenses during your trip, it doesn’t cover planned treatments abroad. With a global health insurance plan, you can cover the cost of any specialised planned treatments.
An international health insurance policy covers inpatient treatment, pre- and post-hospitalisation expenses, travel and accommodation expenses, and more.
Since health insurance plans in India don’t cover expenses abroad, you might miss out on opportunities for overseas treatments. With an international health insurance plan, you can also get access to the best medical treatments without worrying about their expenses.
With global healthcare insurance and its coverage for planned treatments abroad, you can live with peace of mind.
Please Note: The inclusions applicable to the Global and Global + India cover are subject to the specific policy terms and conditions. Therefore, ensure that you read through the policy document thoroughly before making a purchase.
Please Note: Exclusions can vary across international health insurance plans. Therefore, it is essential to carefully review the policy document before making a purchase.
Analyse your health condition, the need for planned medical treatments and the approximate cost in countries outside India.
Find the various international health insurance policies available and compare their features and benefits to choose the best international health insurance policy.
Check for global health insurance plans that offer cashless coverage for medical treatments abroad. It makes your experience simple and hassle-free.
Explore the various countries where the planned treatments are being covered for medical expenses. Some plans do not cover treatments offered in the US and Canada.
While you opt for cashless cover, ensure the coverage is accessible in various hospitals with access to the best quality treatment abroad.
Based on your healthcare needs and approximate costs, ensure you get adequate coverage to meet all your medical requirements abroad.
Compare the coverage features and benefits across the different overseas health insurance policies to ensure comprehensive coverage. Look out for various specialised treatments covered, such as in-patient treatment, pre- and post-hospitalisation expenses, etc.
Opt for international health insurance policies that can be renewed. Reliance General Insurance offers global health insurance plans with lifetime renewability benefits.
With our Reliance International Health Insurance policy, you can choose between cashless and reimbursement claims to avail yourself of the benefits.
Inform us and file a global health insurance claim by:
Submit the relevant documents, including the Consent Form and Final Diagnosis Paper, to us to avail of either planned hospitalisation or a second opinion.
We will provide details of our network hospitals. You can choose one among them for your planned hospitalisations. If you have opted for a second opinion, we will guide you through the next steps.
Connect with the network hospital and get their medical opinion. If you are satisfied, we can confirm the treatment
Our empanelled provider will organise the necessary arrangements, such as for visa, travel and accommodation and issue a Preliminary Medical Certificate.
Post-treatment, we will arrange your return trip to India and settle the claims directly with the hospital based on your policy’s terms and conditions.
Submit the relevant documents, such as the health card, valid ID proof, etc., at the network or non-network hospital. We will review your claim and settle the bills directly with the hospital.
Inform us and file a overseas health insurance claim by:
Connect with the network hospital and get their medical opinion. If you are satisfied, we can confirm the treatment.
Receive the treatment at any of your preferred hospitals and pay the applicable expenses. Submit the documents, including medical reports, bills and payment receipts, within thirty days of discharge.
We will review your claim and supporting documents and then reimburse you for the applicable medical expenses.
Please note: Reimbursement claims are not applicable to Global Cover. It is provided only on a case-to-case basis.
Inform us and file the overseas health insurance claim by:
Receive the treatment at any of your preferred hospitals and pay the applicable expenses. Submit the documents, including medical reports, bills and payment receipts, within fifteen days of discharge.
The documents required for a global health insurance claim can differ based on the individual circumstances. Some of the common documents required are as follows:
Yes, you can buy a health insurance policy in a foreign country, but it may be due to the currency exchange rates. That’s why it is more economical to purchase global health insurance coverage from India.
The need for international health insurance policies depends on personal circumstances.
For instance, if you have an unhealthy daily routine, an extremely stressful work culture, a hazardous work environment or a family medical history with critical illnesses, you can consider purchasing a global health insurance policy. It helps you cover the expenses of a planned medical treatment abroad.
The best international health insurance policy for you is the one that provides adequate coverage for all your global health insurance requirements at an affordable rate.
Therefore, you can compare our plan options based on their specific coverage limits, features and benefits to choose the best global health insurance plan.
An international travel health insurance plan covers unprecedented medical expenses during your travel to and stays at a foreign destination. A global health insurance policy provides exclusive coverage for your planned medical treatments abroad.
Yes, Reliance Global Health Policy with the Global + India cover offers coverage for medical expenses incurred in India.
Yes, our Reliance Global Health Policy covers planned medical treatments in various countries across the world, including the US and Canada.
You can purchase a global health insurance plan for a policy period of 1 year, 2 years or 3 years.
The eligibility criteria for purchasing an international health insurance plan can differ for the individual plan options and their specific coverage benefits. In general, the age eligibility criteria are as follows:
Yes, pre-existing illnesses are covered in international health insurance policies. However, the coverage for the related medical expenses is applicable after the waiting period of 36 months.
Pre-existing health conditions affect global health insurance policies in the following ways:
Global health insurance policies are costlier than domestic health plans due to their worldwide coverage and related benefits. However, the advantages make them worth it, and they can be customised to offer affordable coverage.
The premium for a global health insurance policy is determined by several factors, such as your age, health condition, choice of global health insurance plan option, sum insured, policy period, and pre-existing health conditions.
You can raise cashless claims for global health insurance benefits. We have established a wide network of empanelled hospitals worldwide to extend cashless hospitalisation facilities. Reimbursement claims are available and provided on a case-by-case basis.
You can notify us about the global health insurance claim in the following ways:
Disclaimers:^Unlimited is not available under the Floater plan for Reliance Health Global’s India Cover | iThe number of specialists is part of our network and associates and the number is subject to revision | *Not applicable for unlimited India Sum Insured | ++Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details. | #Underwriter approval is required if the co-payment waiver is opted at the time of renewal | **Additional premiums or discounts will apply | ^^Maximum discount including Long-term discount is limited to 20% | +Applicable for Royal Plan and Royal+ Plan only | For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale. Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
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