International Health Insurance

Provides extensive medical coverage across the globe and includes a wide range of healthcare services ensuring you receive quality care wherever you are in the world.

Separate sum insured options for domestic and international coverage

Ensures access to medical care across different countries, peace of mind, and comprehensive protection no matter where you are. Planned treatments also covered unlike coverage under travel policies.

Uninterrupted medical coverage across the globe ensuring you have access to healthcare services and protection during your travels

Provides financial protection for various dental treatments and procedures promoting improved oral health

Pre-existing diseases (PEDs) are covered after a waiting period of only 12 months from the start of the policy if they are declared and accepted by the insurer

Ambulance transportation in an airplane or helicopter for emergency life-threatening health conditions

Out-patient department (OPD) treatment expenses can be opted by choosing suitable plans & riders.

Avail annual preventive health check-ups from the first policy year

Enjoy flat 5% discount if you make an online purchase from our website or application

Please read policy wording for detailed terms and conditions

Covers hospitalisation expenses at actuals for domestic & up to single private AC room for international and all types of day care procedures, surgeries, ICU expenses at actuals

Covers air ambulance transportation to the nearest hospital but return transportation by air ambulance is not covered

Covers expenses incurred on an ambulance offered by a healthcare or ambulance service provider for transferring to the nearest hospital

60 days Pre and 180 days Post -hospitalisation expenses for treatments in India and 45 days Pre and 90 days Post -hospitalisation expenses for treatments outside India

Any medical expenses incurred while undergoing advanced treatment methods and modern technological procedures are covered

Medical expenses incurred for an organ donor's in-patient treatment during organ harvesting are covered if insured is the recepient of the donated organ

Medical expenses for Ayurvedic, Yoga, Unani, Siddha, and Homeopathic (AYUSH) treatments on a doctor's advice for treating illness or physical injury 

Coverage for expenses of in-patient treatment for mental health disorders up to the sum insured

Coverage for physical, occupational, and speech therapy costs for restoring function after an illness, injury, or surgery within pre-defined limits

Covers expenses for prescribed, out-patient physiotherapy for illness or injury contracted during the policy period

Covers accommodation costs of 1 parent accompanying an insured, minor child for the duration of the child's hospitalisation

When overseas if you need to consult a doctor for out-patient treatment, we will cover expenses incurred for doctor fees, diagnostic fees, prescription drugs and prescribed physiotherapy

Please read policy wording for detailed terms and conditions

Treatment expenses during the first 30 days except for treatment of accidental injuries

Treatment expenses for pre-existing diseases such as diabetes, asthma, thyroid and other PED, are excluded until 36 months from date of your first Global Health Care Policy

Treatment expenses for specified illnesses, including hernia, gout, endometriosis, and cataract are excluded until 24 months from date of your first Global Health Care Policy

Maternity related expenses are excluded

Cost of diagnostic procedures and medical evaluation unrelated to the current diagnosis or treatment

Cost of supplements that are purchased without a prescription by a certified doctor as a part of treatment, including vitamins, minerals and organic substances

Treatment to change appearance unless it is for reconstruction required for a medically essential treatment or following an accident or burns

Medical expenses incurred as a result of self-harm, intoxication, illegal actions, hazardous activities, etc.

Part of the claim will be borne by you (the policyholder) if you have opted for deductibles or co-pay

Please read policy wording for detailed exclusions

Option to cover expenses incurred overseas for dental treatment, dental surgery and periodontics

Provides coverages for online doctor consultations, dental wellness, emotional wellness, and diet & nutrition consultations as per the opted policy

Option to cover non-medical expenses incurred when hospitalised in India