Global Health Care for 'Planned' Surgery from Bajaj General Health Insurance

Rising medical costs and growing demand for specialised treatment abroad have increased the need for international medical coverage. Planned surgery abroad insurance from Bajaj General can help policyholders access quality overseas healthcare with financial support during planned medical procedures.

According to the Ministry of Health and Family Welfare, out-of-pocket healthcare expenditure in India declined from 62.6% to 39.4% during 2021-22. This highlights the increasing awareness about health insurance coverage.

Depending on the selected plan, global health insurance may also include benefits such as cashless treatment, medical evacuation, rehabilitation support, and overseas hospitalisation coverage.

What is Global Health Care for Planned Surgery?

Global Health Care for planned surgery is an international health insurance plan that enables policyholders to access medical treatment abroad in a structured manner. Under this plan, insured individuals can access advanced healthcare facilities and specialised treatments at selected international locations.

Depending on the chosen plan and policy terms, coverage may include hospitalisation expenses, day care procedures, diagnostic tests, ICU charges, organ donor expenses, rehabilitation treatment, air ambulance services, and overseas medical assistance.

For instance, an individual with a critical heart condition can choose the surgical option in Singapore after a doctor's recommendation. Another individual may prefer travelling abroad for access to advanced medical technologies or specialised treatment facilities. In both these scenarios, opting for a global health care plan can help manage medical expenses more efficiently.

Also Read: Is Knee Replacement Surgery Covered by Health Insurance?

What Does Planned Surgery Abroad Insurance Cover?

Planned surgery abroad insurance helps policyholders manage various medical expenses associated with overseas treatment. Depending on the policy terms and conditions, the coverage may include several treatment-related costs and support services.

Some of the common inclusions are:

1. Hospitalisation expenses during treatment abroad

2. Surgeon and specialist consultation fees

3. Diagnostic tests and medical investigations

4. ICU and operation theatre charges

5. Day care procedures and related treatments

6. Organ donor expenses, subject to policy terms

7. Air ambulance and emergency medical evacuation support

8. Rehabilitation and mental healthcare treatment coverage

9. Cashless treatment facilities at network hospitals

10. Overseas medical assistance services

11. Post-treatment support and follow-up care, depending on the policy coverage

Certain benefits, such as outpatient treatment, physiotherapy support, palliative care, and complementary treatment expenses, may also be available under selected international health insurance plans.

Also Read: Future of Health Insurance: Trends & Predictions

Global Health Care Plans Available Under Bajaj General Insurance

Looking for health insurance plans supporting high coverage options abroad?

Bajaj General Insurance offers 2 plans for policyholders – the Imperial Plan and the Imperial Plus Plan. The table below highlights these health insurance plans in detail:

Imperial Plan

Imperial Plus Plan

The Imperial Plus Plan may also offer enhanced international coverage benefits, including outpatient treatment support, medical evacuation, palliative care, physiotherapy benefits, and repatriation assistance, subject to policy terms and conditions.

What are the Key Features of Global Health Insurance in India?

Find below the key features of Global Health Insurance plans in India:

Cashless Facility

Global Health Care plan offers cashless facilities at network hospitals and eliminates financial burden during your planned surgery abroad. Bajaj General Insurance settles eligible medical bills directly with network hospitals, subject to the policy terms and conditions.

Comprehensive Coverage

This plan provides comprehensive coverage that may include hospitalisation expenses, day care procedures, organ donor expenses, rehabilitation treatment, mental healthcare, modern treatment methods, and overseas medical assistance.

Hospitalisation Expenses

By opting for international medical treatment insurance, policyholders can receive coverage for hospitalisation expenses when admitted for treatment, subject to the policy conditions. The expenses may include ICU-related charges, room rent, surgery costs, doctor fees, nursing expenses, medicines, and diagnostic tests.

Emergency Support Services

Depending on the selected plan, policyholders may also receive access to air ambulance services, medical evacuation support, repatriation assistance, and emergency treatment benefits during overseas medical treatment.

Annual Check-up

Every time a policyholder renews their Global Health Care insurance policy with Bajaj General Insurance, an annual preventive health check-up benefit may be available under the domestic cover. The insurer reimburses the required amount up to the limit specified in the policy.

Worldwide Healthcare Access

Global health insurance plans help policyholders access medical treatment across selected international destinations, enabling access to specialised healthcare facilities and advanced treatment options outside India.

Also Read: Is Knee Replacement Surgery Covered by Health Insurance?

So, why wait longer?

Purchase Global Health Care – International Health Insurance from Bajaj General Insurance to access financial support, cashless treatment facilities, and healthcare coverage for planned surgeries abroad.

Final Thoughts

The Global Health Care plan from Bajaj General Insurance supports international medical treatment needs for planned surgeries abroad. Choosing international health insurance can help policyholders access comprehensive coverage, cashless treatment facilities, and quality healthcare services overseas.

Nowadays, individuals are increasingly focused on obtaining insurance coverage to improve healthcare access while reducing personal spending on medical treatment and hospitalisation expenses.

Frequently Asked Questions

Is it possible to customise my International Health Insurance Policy?

Yes, depending on the selected plan and policy terms, policyholders may customise their International Health Insurance coverage by choosing suitable sum insured options and selecting additional benefits such as evacuation support, outpatient treatment coverage, dental benefits, and maternity-related coverage.

Is pre-existing coverage available under International Health Insurance?

Yes, coverage for pre-existing conditions may become available after the applicable waiting period mentioned in the policy terms and conditions. The waiting period for pre-existing diseases and specific illnesses may vary depending on the policy guidelines.

Is choosing an International Health Insurance mandatory for visa approval?

Several countries may ask travellers to provide proof of valid international health insurance coverage during visa processing, depending on their travel and medical requirements.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet and is subject to changes. Please consult an expert before making any related decisions.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.