What is comprehensive coverage in a health insurance plan?


After nearly two years of closure, many Indians now feel able to travel abroad without putting those around them at risk. On the flip side, even the world is starting to open up again as new daily covid cases decline. As of November 11, 2021, only 572,992 new cases have been reported worldwide. A few months earlier, in July 2021, around 54 million tourists had crossed overseas borders. So, perhaps the time has come to set off again for trips abroad. As you venture into the world, it becomes essential to have access to quality health care planned in advance. For this, a health insurance scheme in India can give you tremendous support.

Why do you need to get global health insurance?

When you land in a new country, everything is new. You don’t know the people around you. So you usually don’t know who to contact for help, for example when you get sick and need to be treated in a good hospital. At such times, a global health insurance plan comes to the rescue. This follows exactly what the Constitution of India obliges the central government to guarantee. That is to say the right to health for all.

But why choose this insurance and not for travel insurance? A travel insurance plan is only available for a specified period. It does not provide coverage for planned hospitalization for a medical procedure in a hospital abroad and does not cover pre-existing illnesses. Also, when you are back in your state, you may not have insurance coverage for any medical treatment.

However, you don’t have to worry about being deprived of such important insurance coverage when choosing a comprehensive health insurance plan in India. This is why these health insurance policies are gaining popularity almost everywhere. They provide the much needed assurance of health care support to multitudes traveling abroad, not only as tourists, but also for professional reasons, study abroad and high medical treatment. quality for serious diseases.

Facilities of a global health insurance scheme

People who travel for work will usually be paid the premium for this insurance by the employer. This in itself is very beneficial! In addition, the plan will also cover medical costs in your home country. So you can save on paying for a national insurance policy and get consistent benefits everywhere. But that’s not the only facility you can take advantage of. Here are some other useful facilities of global health insurance plans in India:

Flexible coverage: This feature ensures that no matter what the cost of the treatment, you can get insurance coverage without compromise.

Hospitalization: You can also get coverage for hospital costs. This is useful because you may not have someone to look after you in your home abroad.

Coverage for pre-existing conditions: Let’s say you already have diabetes or some other chronic illness. Global health insurance will also cover the costs of treating these diseases.

Medical evacuation coverage: Medical transport costs for ambulances etc. which are usually expensive abroad are covered.

Operation: The costs of anesthetic, pre- and post-surgical care are all covered.

Emergency room visits: You can also get coverage for urgent medical care.

Outpatient care: Even if you need a hospital stay for less than a day, you don’t have to worry about the costs.

Diagnostic: You can get coverage for the cost of a medical consultation and even some types of recommended lab tests.

Other needs: The insurance plan will also cover the costs of other medical requirements such as maternity care and treatment procedures you are already undergoing.

Repatriation or evacuation: This is to organize your return transport to your country of origin in the event of illness. You might need such an arrangement if the country you are visiting does not offer the medical services you currently need. With a comprehensive health insurance plan, you can come back to India, get treatment and have medical costs covered.

Benefits offered by ManipalCigna Lifetime Health – Global Plan

The ManipalCigna Lifetime Health – Global plan offers all the benefits of an ideal global insurance policy, as it offers high supply and value-based prices. These are the advantages:

– High level of protection with the sum insured ranging from Rs.50 lakes to Rs.3 crores

– Covers treatment costs on an indemnity basis and includes modern treatments like robotics / Cyberknife and mental care

Cashless hospitalization abroad for up to 27 serious illnesses. You can choose to cover cancer only or all 27 major diseases for international treatment

Another unique feature of the global coverage is that it does not have a mandatory diagnostic condition in India, which means that the treatment of the 27 major medical conditions covered can start from anywhere in the world and not primarily from India. only or on referral from an Indian doctor.

The plan also allows you to choose the area of ​​coverage within the Global Plan – worldwide excluding or including the United States and Canada.

First of its kind, Continuity of services on the totality of the Insured capital chosen in portability. For those who have an existing sum insured (excluding bonus) of Rs. 10 lakes and more

Waiver of the premium for one insurance year, in the event of one of the covered contingencies.

Discounts on the loyalty premium on the renewal premium applicable from the 4th year of insurance until life.

Family discount of 15% on coverage of 2 or more family members under an individual individual policy.

If you pay a renewal premium through NACH or a standing instruction (when payment is made by direct debit from a bank account or by credit card), you can get a 3% discount on the renewal premium.

Adult health check (annual) from the first year of insurance

– Extended coverage for family members including parents, children, spouse and dependents

– Critical illness rider and various needs-based value coverages including Health +, Women + and Global + available against payment of an additional premium

– Premium paid applicable to tax benefits under the Income Tax Act, article 80D

For more detailed information on the main features and terms and conditions, please read the product brochure and the policy wording on the insurer’s website.

Now you can see the need to buy global health insurance plan in India before traveling abroad to protect your health. Hence, consider opting for such a plan from a trusted health insurance provider like ManipalCigna.

Disclaimer: This is a company press release. No HT journalist is involved in the creation of this content.


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