Global Health Insurance

Global medical insurance is a type of health insurance coverage that pays for your planned medical treatments abroad.

For example, let us consider that the insured person is diagnosed with a critical illness in India that needs specialised treatment in a hospital abroad. In that case, the international health insurance policy will pay for the expenses incurred abroad for the medical treatment.

At TATA AIG, we offer health insurance plans with in-built global cover or as an optional cover. This means you can purchase a health insurance policy that offers international health insurance coverage as a benefit covered under the policy, or choose to include it as an optional cover.

Worldwide Coverage

A global medical insurance policy covers medical expenses incurred at hospitals abroad across most countries worldwide.

Coverage Benefits

Worldwide health insurance offers coverage for a wide range of medical treatments for illnesses or injuries, including hospitalisation and day care procedures.

Difference from Travel Medical Insurance

While travel medical insurance covers unexpected medical expenses during an international trip, a global medical insurance policy specifically offers coverage for planned medical treatment abroad.
In this case, the diagnosis is made in India, and you are travelling abroad only for the treatment.

Cashless Hospitalisation

World wide medical insurance provides cashless hospitalisation benefits for treatment abroad. This means you can receive medical care without making upfront payments.

Customisation

International health insurance can be customised based on your healthcare needs, such as choosing the appropriate sum insured, policy tenure, and relevant add-ons.

Key Considerations

While choosing health insurance for international treatment, consider key factors, such as your specific healthcare needs, the extent of coverage required, premium affordability, and available add-ons to select the best international health insurance plan.

• Choose between in-built coverage and optional add-on - Assess your health condition and choose between a health insurance policy with in-built coverage or an optional add-on.
• Purchase the Policy - Provide the required details to buy the policy for worldwide health insurance coverage and pay the premium.
• Need for Planned Treatment Arises - A health condition diagnosed in India requires medical treatment abroad.
• Claim Intimation - Register a claim to inform of the health condition and the planned treatment required.
• Receive the Treatment - Receive the required healthcare services at the hospital and secure the medical bills.
• Submit the Documents - Collect all the required documents and submit them along with the claim form.
• Claim Settlement - Your international health insurance claim and supporting documents will be reviewed. Once approved, the eligible expenses will be reimbursed.

Please note: Claim settlement is generally on a reimbursement basis. Cashless settlements are available on a case-by-case basis.

• Medical Expenses can be Expensive Abroad

The cost of medical treatment can be expensive abroad. A health insurance policy in India may not be able to cover these expenses. In such cases, worldwide medical insurance coverage becomes essential.

• Ensures Timely Access to Quality Medical Attention

When you have adequate coverage under a worldwide health insurance policy, you can ensure timely access to quality healthcare services when needed.

• Financial Protection

Worldwide health insurance plans offer extensive coverage of up to ₹3 crores. This helps protect your savings, cover medical expenses abroad, and ensure financial stability.

• Comprehensive Worldwide Coverage - With global health insurance plans, you can cover treatment procedures for a wide range of health conditions and critical illnesses, including hospitalisation and daycare expenses.
• Coverage applicable in India and abroad - Global cover is a benefit offered in health insurance plans that covers your medical expenses both in India and abroad, whenever required.
• Coverage for Pre-existing Conditions - World health insurance may cover pre-existing health conditions after the completion of the applicable waiting period, subject to the policy terms and conditions.
• Claim Assistance and Support 24/7 - Claiming benefits under worldwide medical insurance is simple and hassle-free when you submit the required supporting documents. You can also get your claim-related queries clarified at any time.
• Tax Benefits - By purchasing health insurance, you can claim a tax deduction on the premium paid under Section 80D. This benefit is applicable for policies purchased for yourself and your family, as well as a separate policy purchased for your parents.

TATA AIG Health Insurance Plans that offer In-built Global Cover

TATA AIG Health Insurance Plans that offer Global Cover as an optional Add-on

• Inpatient Treatment (Hospitalisations) - Covers the various medical expenses related to inpatient treatment or hospitalisations. This includes room rents, nursing charges, medications, etc.
• Day Care Expenses - Covers the medical expenses incurred towards a treatment or procedure that requires not more than 24 hours of hospitalisation.
• Visa Services Fees - Covers expenses incurred towards obtaining a visa to the specific country for the medical treatment when the sum insured is above ₹50 lakhs.

Additional Coverage

• Worldwide Hospital Cash Benefit Rider - It is an optional rider that provides a fixed daily cash amount for each continuous and completed 24 hours of hospitalisation.

It is available for a specific number of days as mentioned in the policy. The benefit is over and above the base sum insured limit.

• Global Cover for Emergency Hospitalisation - It is an optional rider to include a Global Cover for Emergency Hospitalisation. This rider covers medical expenses incurred when the insured person is travelling outside and needs emergency treatment due to an illness or injury.

It covers medically necessary emergency scenarios only. Also, the coverage is offered subject to certain conditions, including a waiting period.

• Not Being a Resident Indian - Coverage is not available if the policyholder or the insured person is a Foreign National or their Residential Status is Non-Resident Indian (NRI) or Overseas Citizen of India (OCI) during the policy period.
• Opted Out of this Benefit - Coverage is not available if you have decided to opt out of this benefit at the time of purchase or during renewal.

Exclusions Applicable to Global Cover for Emergency Hospitalisation

• Other Medical Expenses - Expenses incurred towards pre- and post-hospitalisation, out-patient care, or any other base or optional coverage benefits are not covered.
• Treatment in Non-Registered Hospitals - Expenses for treatment undertaken in a non-registered hospital, as per the laws and regulations applicable in the respective country, are excluded.
• Planned Treatments - Expenses incurred for planned treatments or when the insured person travels abroad specifically for treatment are not covered.

Other General Exclusions

• Any insurance claim arising due to suicide or attempted suicide, self-inflicted injuries, or illness.
• Injuries incurred while under the influence of drugs, alcohol, or other intoxicants.
• Participation in an actual riot, attempted felony, crime, misdemeanour, or civil commotion.
• Injuries incurred while operating or learning to operate an aircraft.
• Any loss or injury arising due to war, civil unrest, invasion, or the act of a foreign enemy, hostilities, etc.
• Loss or damage caused by radioactive, toxic, explosive, or other hazardous properties of explosive nuclear equipment or any other part of the equipment.
• Congenital anomalies and any complications or conditions arising from them.
• Any loss arising from pregnancy or pregnancy-related complications.

Please note: These are some of the key inclusions and exclusions. Kindly refer to your policy document for complete details.

Choosing the right international health insurance cover is essential to ensure adequate coverage. Here are a few factors that you can consider.

Assess your Healthcare Needs

Consider your health condition and family medical history to identify possible medical treatments and estimate the cost of such treatments abroad. This will help you determine the coverage required.

Compare the Options

Ensure to compare health insurance policy options and choose one that offers essential coverage aligned with your specific healthcare needs.

Insurance Coverage Amount

Make a considerate decision while choosing the insurance coverage amount. Ensure it provides adequate coverage during major medical treatments, considering your health condition.

Countries Covered

Read the fine print to check the countries where the international health insurance coverage is applicable.

Medical Procedures Covered

Check the list of medical procedures covered under the global medical insurance policy. There can be certain health conditions that may be excluded under the coverage.

Renewal Benefits

Consider global health insurance coverage that offers options for lifetime renewability. This ensures continuous coverage for medical expenses.

Policy Terms and Conditions

Coverage benefits are subject to certain policy terms and conditions, including waiting periods and exclusions. Make sure you understand them clearly before purchasing the policy.

Premium

Determine the premium for the global medical insurance coverage. You can use our health insurance premium calculator to calculate the premium and ensure that it fits your budget.

• Step 1 - Visit the TATA AIG official website. Under the ‘Personal’ tab, select ‘Health Insurance’.
• Step 2 - Enter the required details, such as for whom the international health insurance is purchased, their date of birth, and pre-existing health conditions.
• Step 3 - Compare the recommended list of health insurance plans for the global cover and choose a suitable policy.
• Step 4 - Review the list of add-ons available and choose the most relevant ones to enhance protection.
• Step 5 - Review the premium breakdown and pay the applicable amount to buy online health insurance for global coverage.

• Identity Proof - Aadhaar card, driving licence, passport, etc.
• Address Proof - Aadhaar card, utility bills, passport, etc.
• Income Proof - Bank statements, ITR forms, salary payslips, etc.
• Medical Documents - Health records and medical reports related to any pre-existing health condition, if applicable.

TATA AIG settles claims under global cover for planned hospitalisation on a reimbursement basis. Cashless claims may be offered on a case-by-case basis, subject to approval.

Steps for Reimbursement Claims

• Step 1 - Inform TATA AIG about the need to claim benefits under the international health insurance cover. You can refer to the contact details mentioned in your policy document.
• Step 2 - Receive the treatment at an authorised hospital abroad.
• Step 3 - Use the Claim Intimation Form to notify us about the completion of the treatment within 7 days.
• Step 4 - Submit the duly filled claim form and all the relevant supporting documents to us within 15 days of treatment completion.
• Step 5 - We will review your claim and reimburse the applicable benefits within 15 days of receiving all required documents.

Steps for Cashless Claims

• Step 1 - Inform TATA AIG about the need to claim benefits under the global cover. Kindly refer to your policy document for the contact details.
• Step 2 - Contact the TPA to request pre-authorisation for the treatment.
• Step 3 - Upon approval, proceed with the treatment at the designated hospital abroad.
• Step 4 - Inform us once the treatment is completed.
• Step 5 - We will review the claim and settle the applicable expenses directly with the hospital.

Please note: You can contact us for any coverage or claim-related queries at any time.

• Duly filled and signed claim form
• Medical reports
• Diagnostic test reports
• Hospitalisation bills
• Payment receipts
• Discharge summary
• Visa and other travel documents

Please note: Additional documents may be necessary based on individual circumstances.

Global medical insurance offers extensive coverage that can be used for planned medical treatments abroad. Individuals and families with a medical history of critical illnesses may consider this international health insurance coverage for added financial protection.

It ensures access to the right and essential healthcare services when needed. TATA AIG offers health insurance plans with global cover and customisable benefits to help you get adequate coverage for your health concerns.

Consider key factors such as sum insured, waiting periods, and exclusions to ensure a seamless claim experience. Explore health insurance for your family if you prefer covering your loved ones under a single policy.

If worldwide health insurance is a need, choosing the right plan today can help secure your health and finances tomorrow.