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Updated on Jul 05, 2024 10 min read
As more and more Indians travel abroad each year for work, leisure, and business the need to invest in the best global health insurance rises. Navigating the international healthcare system can be a challenge which is why securing your finances with the best global health insurance is important.
The best international health insurance in India is equipped to cover medical expenses such as hospitalization bills, emergency evacuation, ambulance charges, critical illness treatments, and international second opinions.
Explore the best global health insurance in India mentioned in the article below.
The United Nations Department of Economic and Social Affairs (UNDESA) estimated that there were 281 million international migrants. India is the origin of the largest number of international migrants in the world, touching nearly 18 million, according to the UN World Migration Report 2024.
Explore India’s best global health insurance plans
Global Health Insurance Plans | Sum Insured | Eligibility | Incurred Claims Ratio (FY 2023-24) |
Star Travel Protect Insurance Policy | USD 50,000 - 500,000 | Entry Age - 6 Months to 70 Years | 66.47% |
Bajaj Global Personal Guard | Up to 25 Crores | Entry Age - 18 to 70 Years Dependent Children - 3 months to 25 Years | 73.8% |
TATA AIG Student Travel Guard | Up to USD 5,00,000 | Entry Age - 16 to 35 years | 71.43% |
Care Student Explore | USD 50,000 - 10,00,000 | Entry Age - 12 to 40 years | 57.69% |
Aditya Birla Global Health Secure | INR 6 Crores | Entry Age - 5 to 65 Years Children - 91 Days to 5 Years | 68.31% |
HDFC ERGO Optima Secure Global Plus | Up to INR 2 Crores | Entry age - 18 to 65 Years | 87.7% |
ICICI Lombard International Travel Insurance | Upto USD 5,00,000 | Entry Age - 3 Months to 85 Years | 70.79% |
Niva Bupa Travel Assure | Total claim limit of up to USD 500,000 | Entry Age - 18 to 70 Years Dependent Children - Till 25 Years | 59.02% |
Care International Travel Insurance | Up to USD 1000k | Entry Age - 1 day to no age limit Age of Proposer - 18 Years & Above | 57.69% |
SBI Travel Insurance (Business and Holiday) | Up to USD 5,00,000 | Entry Age - 6 Months to 70 Years | 85.9% |
A unique health insurance policy offering sum insured up to USD 500,000 with coverage features for health and travel inconveniences. Any individual who is a permanent resident of India above 6 months of age can avail of this policy.
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It is a specialized international health insurance plan providing coverage against death, disability, hospitalization due to accidents, and more, anywhere across the globe. The plan offers a high sum insured of up to INR 25 crores.
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One of the best international health insurance plans for students studying abroad with features like baggage loss cover, semester fee cover due to medical emergencies, and more.
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A global health insurance designed to support your dreams of studying abroad by covering you for emergency and non-emergency medical expenses. With up to USD 10,00,000 the plan is loaded with attractive features.
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A versatile global plan offering you and your loved ones a financial safety net from medical expenses. The policy is eligible for those with a base health insurance of INR 10 lakhs in India.
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A comprehensive health insurance plan offering access to a wide network of healthcare facilities across the globe. The global plan offers a sum insured up to INR 2 crores and offers multiple features in India and abroad.
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A robust international health insurance plan with a sum insured range of USD 50,000 to 5,00,000. Comprehensive plans with extensive coverage and no medical test required up to 85 years of age. Comes in multiple variants namely, gold plan, multi-trip plan, platinum plan, Asia plan, and senior citizen plan.
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A global health plan offered by Niva Bupa is ideal for students and one-time travellers. A plan that travels with you anywhere in the world, offering three variants namely, Lite, Basic, and Comprehensive.
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A global health plan designed to cater to single trips, multiple trips and frequent flyers. The plan is available in 8 different variants Explore Asia, ANZ, Africa, Europe, Canada+, Explore Silver, Gold, and Platinum.
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A comprehensive health plan for you and your family members when you are globetrotting.
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Read more about the best health insurance company in India.
The best international health insurance in India offers you coverage regardless of your geographical location. Offering you a wide array of services like in-patient hospitalization, ambulance services, health check-ups, accidental death/disability cover, loss of baggage and/or passport cover, compassionate travel expenses, and more. All the features will vary as per your international health insurance plan.
Invest wisely in global health insurance and avail of the best treatments in India and abroad.
Around 43 countries across the globe require you to have international health insurance. Regardless of your purpose of travel, many international countries have mandated tourists, and students to invest in a health insurance plan.
The agenda is simple, while many international countries offer free medical care to their citizens, it is not the same for foreign nationals. Availing medical treatment in a foreign land may prove to be an expensive affair. To prevent any serious damage to the health of the tourists due to the unavailability of quality medical care, many countries mandate individuals to invest in global health insurance.
Like domestic health plans, international health insurance plans too have certain exclusions:
With a multitude of international health insurance plan options in the market, you might feel lost. Ask yourself these questions before choosing the best international health insurance:
Before selecting a global health cover check the listed countries providing medical coverage. Not all international health insurance plans provide global coverage. Many exclude the USA and Canada.
Consider the countries you seek medical treatments from and then find the appropriate health insurance plan.
Imagine having an international medical emergency during your vacation and not having enough funds to access medical care in a foreign land. It would be a nightmare!
Select an international health insurance with a sufficient sum insured amount.
Understand if your health insurance provider has TPAs placed in hospitals and medical care facilities of the country for cashless hospitalization and treatments.
Ensuring cashless hospitalization and treatments will make sure that your international health plan provides with hassle-free claim settlement.
If your international health plan only covers you for in-patient hospitalization and you require a daycare procedure, your health plan will be of no use.
Make sure to check the list of coverage features before investing in global health insurance.
Regardless of a planned or emergency hospitalization, ask yourself if your global health plan offers restoration of the sum insured on partial or complete exhaustion.
If you are asking yourself what good can international health insurance do for a 1-month trip to Europe, we have some eye-opening answers for you:
Let your international health insurance worry about your healthcare needs like cashless hospitalization, doctor consultations, daycare procedures, ambulance services, etc. while you focus on your recovery
Life-threatening ailments like cancer, strokes, etc. can be treated abroad with advanced medical technology. Many health insurance plans do not cover medical treatments available outside India preventing many families from traveling abroad.
Investing in an international health plan will cover you financially allowing you to get the best possible treatments abroad.
Many health insurance plans offer worldwide coverage including emergency hospitalization but never planned medical expenses.
Investing in a global health plan ensures you are funded for planned medical treatments abroad in addition to emergency hospitalizations.
You do not have to worry about getting to the nearest hospitals in case of an emergency in a foreign land. Ambulance services are covered by your international health plans even in an unknown city, where there may be language barriers.
How great would it be if your international health plan could cover you for lost baggage, or passport?
Many international health insurance plans cover you for loss of baggage and passport and even delayed or cancelled flights.
Now the real question is, ’Do I Need To Buy An International Health Insurance Plan?’. The simple answer is, not everyone needs a global health plan. However, you must invest in one if:
The documents required to file international health insurance claims are:
Still confused about how to file claims? Talk to our IRDAI-certified insurance experts now!
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Travel health insurance dedicatedly covers injuries and hospitalization during your time spent travelling abroad. It can be covered for a single trip or multiple trips. It also covers loss of baggage, passports, cancellation or delayed flights, and more. Whereas, international health insurance is designed to cater to emergency hospitalization, planned medical expenses or for students.
While global health insurance is affordable today, there are many factors contributing to the premium costs for the same like: Age Destination Desired coverage amount Pre-existing conditions
Yes, depending on the international health insurance you choose, pre-existing diseases are covered in case they are life-threatening.
No, most global health plans do not require you to undergo pre-policy medical check-ups up until 65 to 80 years of age.
Yes, you can purchase global health insurance after you have booked your accommodations and flights.
The best international health insurance may be different for different individuals as healthcare needs are different. Consider key factors like sum insured, coverage available in different countries, family coverage, waiting periods, and other factors to select the best global health insurance for yourself.
The top 10 health insurance plans in India are mentioned above as per the latest features, and benefits. Each international health plan offers a plethora of coverage features and you must compare and then proceed with your purchase decision.
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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