General Insurance

Global Health Group Policy

Eligibility Criteria

Minimum Entry Age 18 years for adults
Maximum Entry Age 75 years of age
 

Benefits

This policy is designed for health needs of the globally population and their families whilst working/travelling for work overseas.
A corporate can purchase this policy for their employees and dependents. The policy will be available as a group cover.

The plans are available under 4 different areas of coverage as listed below:

1) India, Africa, Middle East, Oceania, Asia(excluding China, Hong Kong, Singapore, Japan, Taiwan).

2) India, Europe, Canada, Latin America, Caribbean.

3) Worldwide excluding U.S

4) Worldwide including U.S (minimum sum insured of 2.50 crores)

 

Product Features

Key Features


Plan Name Sum Insured Options
Ruby 50 lacs / 2.5 cr
Diamond 1.50 cr / 3 cr / 4.5 cr / 6 cr / 9 cr / 12 cr
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.
In the event of hospitalization a person is entitle to get:
Ruby Diamond
Upto Rs. 12,000/- per day Upto Private Room
Hospitalization charges

This covers hospitalization expenses due to an illness or accident.
The plan covers hospital accommodation, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
AIDS/HIV cover

This plan covers for sexually transmitted diseases such as AIDS/HIV
The plan covers for sexually transmitted diseases like HIV / AIDS up to sum insured.
Organ Donor

The medical expenses for an organ donor's treatment in the event of organ transplantation.
This policy covers the expenses for organ donor’s treatment up to Sum Insured.
The plan covers domiciliary hospitalization up to Sum Insured.
Private Ambulance Cover

In case of an emergency, the private ambulance charges are covered by the insurance company.
Ambulance expenses up to sum insured hospitalization is covered under this plan.
Pre existing disease

At the time of buying the policy, a person has to disclose the illness that he/she is suffering during lifetime.
In this policy, an insured person is covered for pre existing disease from Day 1.
 

Exclusions

  • Any treatment that arises from or is in any way connected with attempted suicide or any injury or illness that the insured person or dependent inflicts upon himself other than the limit specified.
  • Treatments in nature cure clinics, health spas and nursing homes (except for nursing homes registered in India)
  • Any treatment directly related to surrogacy company will not pay for expenses arising in respect of

    -an insured person who acts as a surrogate

    -anyone else acting as a surrogate for an insured person

  • Any treatment needed because of or relating to male or female birth control which is not specifically covered under the policy.
  • Any treatment needed because of or relating to infertility or any type of fertility treatment, including complications arising out of such treatment with the exception of the investigation of infertility to the point of diagnosis.
  • Any treatment by way of the intentional termination of pregnancy unless two medical practitioners certify in writing that the pregnancy were to endanger the life or mental stability of the insured person.
  • Any treatment to change the refraction of one or both eyes, including refractive keratotomy and photorefractive keratectomy.
  • Any expenses for International emergency services which were not intimated and approved in advance by company.