Many domestic health policies do not work
Health insurance depends on the type of health insurance you have purchased. Most comprehensive health insurance policies purchased from Indian health insurance providers usually do not offer coverage outside India. “Most domestic health insurance covers medical issues only in India, so if a foreign illness or accident occurs, the person will have to pay for the treatment from his or her pocket,” said the CEO. Abhishek Misra says. & Principal Officer of Bonanza Insurance.
Global coverage policy works with restrictions
India has many health insurances that offer global insurance. If you purchase such insurance, you are more likely to get coverage. The following is an example of a policy to provide overseas medical insurance. AdityaBirlaHealthInsurance’s Activ Assure Diamond Plan, Bajaj Allianz Health Insurance’s Global Personal Guard Plan, Liberty Health Insurance’s Health Connect Supra, Niva Bupa Health Insurance’s Heartbeat Health Plan (formerly known as Max Bupa Health Insurance).
Please note that even if there is a policy that provides global coverage, it does not guarantee coverage in situations like Ukraine. Getting stuck abroad during the war is an unusual situation that is not covered by most health insurance. “In the case of the Ukrainian crisis, unfortunately claims can be dismissed. Some insurers have wars and events like wars and aggression, foreign enemy acts, hostile acts, civil war, rebellion, military power. , Or excludes robbed forces. ” Rakesh Goyal, Director, Probus Insurance.
The Global Health Cover may not work in active war zones, but it will help you the moment you arrive in a neighboring country where the Global Cover works.
What should you do?
You may not need to purchase foreign health insurance for short-term stays, such as vacations or business trips, where your overseas stay ends within a few weeks. “People who go abroad in a short period of time can get travel insurance that covers medical expenses for treatment abroad,” says Misra.
If you plan to stay longer for study or employment, we recommend that you purchase local health insurance in a foreign country of residence. “For those migrating abroad, it is highly recommended to buy new health insurance from that country to cover emergency care for a longer period of time,” says Misra.
Some countries require you to buy health insurance, while others leave it up to you to decide. “Students need to have health insurance whenever they go to countries other than India, especially the United States and Europe, which covers all on-campus medical emergencies,” Goyal said. increase.
However, in active war zones, insurance companies may refuse to accept your claim even for your local health insurance plan. Leaving a foreign country can make local foreign policies redundant. Therefore, after moving out of the active war zone, it may be helpful to purchase an active health insurance plan in India with global coverage.
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