If you travel abroad often for work or holiday, whether you are a student, a professional, or a businessman, consider getting global health coverage. An international health cover differs from travel insurance, another must-have for peace of mind when away. Get your travel secured through Bajaj Allianz travel insurance and leave your worries behind.
Global health insurance: This insurance would help if you got sick in a different country. You might panic and think you are in a strange land where medical care and facilities are expensive. You probably have health insurance back home in India, but it would only help you a little when you’re abroad. Also, your travel insurance might only cover some things since it has limits. This is precisely when you would need a global health insurance policy.
Global healthcare was made to meet the needs of people who want a single plan that covers treatment costs in India and other countries for emergency and planned care. Global health coverage is best suited if you travel frequently.
Nevertheless, do not undermine the importance of being covered for your health while travelling, even if the trip is a short one. You can always buy your global health insurance through a trusted partner such as Bajaj Allianz travel health insurance.
Global health cover caters to these people –
- A parent who lives in India and visits their children who live abroad often.
- A high-ranking multinational company employee (MNC) who lives in India and often travels abroad for business.
- People with a lot of money who live in India and travel abroad often for business, pleasure, or both.
Travel insurance vs global health cover
A travel insurance plan would usually be for people who would only be out of India for a short time. Most travel insurance plans cover flight cancellations, lost personal items, and emergency medical care.
On the other hand, an international global health insurance plan is meant to cover more things, like staying in a hospital outside of India and getting treatment for a long-term illness.
Also, travel insurance aims to ensure the person is healthy enough to go home. Long-term medical care might rarely be covered by travel insurance. Moreover, travel insurance coverage ends when the person returns to their home country.
A global health plan covers all 365 days of the year, and the coverage stays in place even after the person returns to their home country.
Things to think about if you choose a global health plan
You can compare many international travel insurances online and also looks for international health insurance online but ensure that you consider these important factors while choosing a global health policy –
- Planned / unplanned medical expenses: Check if the global health policy covers intended and unexpected care worldwide. This coverage should work smoothly and make it easy for the insured to keep getting care in their home country if that’s what they want to do.
- Pre and post-hospitalisation charges: One should also ensure that global health insurance covers not only hospital stays but also costs before and after a hospital stay.
- Restrictions: Some global health plans on the market have a condition that you must get diagnosed in India before going to another country for treatment. It is best to choose a plan that doesn’t have this kind of restriction and lets the insured get care no matter where the diagnosis might be made.
- Geographical coverage: Most global health plans on the market offer two types of geographical coverage: with or without the USA. One can choose the right plan with the right coverage in the right places. Plans that don’t include the USA have lower rates than plans that do.
- Credibility: Most importantly, check the insurance company’s reputation and how easy it is to file a claim in a hospital outside India.
To sum up, global health coverage is a better option if you seem to be a frequent flyer, as it would let you undergo treatment without altering your travels. If you are not a frequent traveller, a travel insurance policy from a credible company like Bajaj Allianz travel insurance should suffice.
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