In this era of globalisation, people, ideas, and businesses across international borders regularly. With more companies and individuals working across national boundaries and employees becoming increasingly mobile, the need for an effective Insurance solution for local and global healthcare needs is even more critical today.
There is only one way to ensure that your health needs are addressed, an overseas health coverage that delivers solutions with a deep understanding of your specific requirements and preferences. When it comes to international healthcare benefits, you have high expectations. The Global Health Group Policy offered by Insurance companies goes beyond health benefits and can be tailored to meet your organisation or its members' specific needs.
Range of covers offered
A comprehensive health and wellness solution with a wide range of optional covers designed to fit the requirements of the Employer-Employee / Non-Employer Employee segment. The cover can be extended to family members, including Spouse/Legal Partner/Dependent Children/Parents. It covers Indian locals and expatriates working abroad under one umbrella.
Stay secure whenever you travel with an International Health Insurance Plan offering worldwide or country-specific protection, including choice of out-of-area emergency treatment cover, international emergency services, and more. You get inpatient hospitalisation and daycare benefits, multiple options along with out-patient related benefits, a host of options for cost-effective plans, easy access to quality healthcare globally, and CIGNA ENVOY support in the US.
The sum insured amount is up to $10 million and is suitable for employer-employee and non-employer-employee groups. Besides, you also get coverage for maternity expenses, newborn cover, emergency evacuation, repatriation, out-of-area cover, dental, vision cover, hospice and palliative care, travel vaccination, complementary treatments, AIDS/HIV cover, psychiatric and psychological care, and more.
Eligibility criteria to avail of these benefits
If you want to enjoy the benefits offered by group health coverage, you need to follow some eligibility criteria. The sum insured amount will be up to $10 million for individual and multi-individual cover types. The relationships covered by the policy include self, legal spouse or unmarried partner, and unmarried children below 25 years of age. The minimum group size should be seven members.
You can opt for premium payments in intervals of a month, three months, six months, or yearly. The list of areas covered by this plan includes South Asia, the Asian Middle East, Africa, the Asia Pacific region (excluding Hong Kong and Singapore), the Asia Pacific region (including Hong Kong & Singapore), India, Europe, Canada, Latin America, Caribbean Island countries, the worldwide region excluding the United States, and the worldwide region including the United States.
The entry age is between 18 and 95 years for adults and between 0 and 25 years for children. The policy term is for a year, and you get a lifetime renewal period if you are still associated with the group. The list of currencies accepted for premium payments is USD, AED, AUD, Euro, GBP, HKD, SGD, and INR.
Conclusion
Before buying a Group Health Insurance Policy, go through the payment clauses, inclusions and exclusions, validity period, and types of illnesses covered for better understanding.
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