Medical Tourism and Insurance: What's Covered?

When traveling to India for medical treatment, it's crucial for medical tourists to have comprehensive travel and medical insurance. Here's a breakdown of the type of insurance needed, what it should cover, and the recommended options:

1. Travel Insurance: This covers unexpected events that may occur during your trip, such as trip cancellations, lost luggage, or travel delays. It's essential to choose a policy that includes medical coverage, especially for medical tourists. Medical tourism travel insurance companies ensure that you're protected in case of any unforeseen circumstances before or during your trip.

2. Medical Insurance: Medical insurance specifically tailored for medical tourism is highly recommended. This type of insurance should cover:

1. Medical treatment costs: Including hospitalization, surgeries, medications, diagnostic tests, and other medical procedures related to your ailment.

2. Emergency medical evacuation: In case you require transportation to another medical facility or back to your home country for treatment.

3. Repatriation of remains: Coverage for transporting mortal remains to your home country in case of unfortunate events.

4. 24/7 assistance services: Access to medical assistance and support throughout your trip.

5. Coverage for preexisting conditions: Ensure that your insurance policy covers any preexisting medical conditions you may have.

3. Health Insurance: Depending on the duration of your stay in India, you might also consider purchasing health insurance that provides coverage for routine medical expenses, consultations, and follow up appointments during your stay.

4. Specialized Medical Tourism Insurance: Some insurance companies offer specialized medical tourism insurance tailored to the specific needs of individuals traveling abroad for medical treatment. These policies may offer additional benefits such as language interpretation services, coordination of care, and assistance with travel arrangements.

It's important to carefully review and compare insurance policies to ensure they meet your specific needs and provide adequate coverage for the type of medical treatment you're seeking in India. Additionally, make sure to disclose any preexisting medical conditions to the insurance provider to avoid complications with claims processing.

Several international insurance companies offer travel health insurance coverage for medical treatments abroad, including in countries like India. Here are some reputable companies known for providing international medical insurance:

1. Cigna Global: Cigna offers comprehensive international health insurance plans that cover medical treatments worldwide, including in India. They provide flexible plans with various coverage options tailored to individual needs.

• Comprehensive international health insurance plans.

• Flexible coverage options tailored to individual needs.

• Coverage for medical treatments worldwide, including in India.

• Typically includes benefits such as hospitalization, outpatient care, emergency services, and evacuation.

• Offers customizable plans with various deductible and coverage limits.

Cost: Costs vary based on factors like coverage level, deductible, and age. Generally ranges from $100 to $500 per month for individual coverage.

2. Aetna International: Aetna offers international health insurance plans designed for individuals and families living or traveling abroad. Their plans typically include coverage for medical treatments, emergency care, and evacuation services.

• International health insurance plans for individuals and families living or traveling abroad.

• Coverage for medical treatments, emergency care, and evacuation services.

• Provides access to a global network of healthcare providers.

• Offers plans with different levels of coverage, including options for outpatient, inpatient, and dental care.

• May include additional benefits such as wellness programs and telemedicine services.

Cost: Prices depend on factors such as coverage options and age.Typically starts around $80 to $400 per month for individual coverage.

3. Allianz Care: Allianz Care offers international health insurance plans that cover medical treatments in India and other countries. They provide customizable plans with options for outpatient, inpatient, and emergency medical care.

• International health insurance plans with coverage for medical treatments worldwide.

• Customizable plans with options for outpatient, inpatient, and emergency medical care.

• Access to a network of healthcare providers and hospitals.

• Typically includes benefits such as hospitalization, consultations, diagnostic tests, and prescription drugs.

• Offers different plans tailored to individual needs, including options for expatriates, families, and corporate clients.

Cost: Costs vary depending on chosen plan, coverage limits, and age. Usually ranges from $70 to $300 per month for individual coverage.

4. Bupa Global: Bupa Global offers international health insurance plans with coverage for medical treatments worldwide. Their plans include access to a network of healthcare providers, emergency medical assistance, and coverage for preexisting conditions.

• International health insurance plans with coverage for medical treatments abroad.

• Access to a network of healthcare providers and facilities worldwide.

• Comprehensive coverage for hospitalization, outpatient care, and emergency medical services.

• Offers plans with different levels of coverage, including options for preexisting conditions and chronic care.

• Provides additional benefits such as wellness programs, mental health support, and medical concierge services.

Cost: Prices are influenced by coverage level, age, and other factors. Generally starts around $150 to $600 per month for individual coverage.

5. AXA PPP International: AXA PPP International offers international health insurance plans that cover medical treatments abroad, including in India. Their plans typically include comprehensive coverage for hospitalization, outpatient care, and emergency medical services.

•     International health insurance plans covering medical treatments worldwide.

•     Comprehensive coverage for hospitalization, outpatient care, and emergency medical services.

•     Access to a network of healthcare providers and facilities globally.

•     Offers customizable plans with different levels of coverage and deductible options.

•     Provides additional benefits such as preventive care, maternity coverage, and virtual healthcare services.

Cost: Costs depend on selected plan, coverage options, and age. Typically ranges from $100 to $500 per month for individual coverage.

6. GeoBlue: GeoBlue specializes in international health insurance for expatriates, travelers, and international students. They offer plans with coverage for medical treatments in India and other countries, including access to a global network of healthcare providers.

• Specializes in international health insurance for expatriates, travelers, and international students.

• Coverage for medical treatments abroad, including in India.

• Access to a global network of contracted healthcare providers.

• Plans typically include benefits such as hospitalization, outpatient care, emergency medical evacuation, and repatriation of remains.

• Offers different plans tailored to individual needs, including options for short term travelers, long term expatriates, and students studying abroad.

Cost: Prices vary based on plan type, coverage limits, and age. Generally starts around $50 to $300 per month for individual coverage.

7. IMG (International Medical Group): IMG offers international health insurance plans designed for individuals and families traveling or living abroad. Their plans include coverage for medical treatments, emergency medical evacuation, and repatriation of remains.

• International health insurance plans for individuals and families traveling or living abroad.

• Coverage for medical treatments, emergency medical evacuation, and repatriation of remains.

• Access to a global network of healthcare providers and facilities.

• Offers customizable plans with options for different levels of coverage and deductible amounts.

• Provides additional benefits such as travel assistance services, prescription drug coverage, and dental care options.

Cost: Costs depend on factors such as coverage level, deductible, and age. Usually ranges from $80 to $400 per month for individual coverage.

These are just a few examples of international medical tourism insurance companies that provide coverage for medical treatments abroad. It's essential to research and compare different insurance plans to find one that meets your specific needs and provides adequate coverage for the medical treatment you require in India or any other destination. Additionally, consider factors such as network coverage, policy benefits, premiums, and customer service when choosing an insurance provider.

While these companies offer similar types of travel health insurance geared towards international medical coverage, differences may exist in terms of coverage limits, network providers, additional benefits, and pricing. It's essential to carefully review the details of each insurance plan to determine which best suits your specific needs and requirements for medical treatment abroad.

Medical Tourism Planning in India with IndiHeal.com

Medical tourism planning can be stressful, and navigating  travel health insurance ,medical travel checklists, medical tourism safety tips, choosing a medical tourism provider and medical tourism travel insurance can add another layer of complexity. This is where IndiHeal can help. We are a dedicated medical tourism assistance company with a team of experienced professionals who can help you plan your surgery in India, hasslefree.

Here's how IndiHeal can assist you:

• Hospital Selection: Based on your medical condition, budget, and preferences, we will help you navigate the best treatments in India.

• Doctor Appointment Scheduling: We will handle contacting the hospitals and scheduling consultations with the most qualified cardiothoracic surgeons.

• Cost Transparency: We will obtain quotes for your specific surgery and ensure you receive transparent pricing information.

• Visa and Travel Arrangements: We can assist you with obtaining a medical visa for India and making travel arrangements to your chosen hospital.

• Accommodation and Logistics: We can help you find comfortable accommodation near the hospital and assist with transportation logistics during your stay.

• Medical Coordination: We will serve as a liaison between you and the hospital, ensuring clear communication and addressing any concerns you may have throughout the process.

By partnering with IndiHeal, you can focus on your recovery while we take care of the logistics in India. Contact IndiHeal today for a free consultation and let us help you navigate your medical journey with peace of mind.

FAQs:

1) Which health insurance is best for international travel?

• Cigna Global, Aetna International, and Allianz Care are among the best for international health insurance.

• Look for plans with comprehensive coverage, including medical treatments, emergency care, and evacuation services.

2) Is travel insurance good or health insurance?

• Medical Tourism Travel insurance is suitable for short term trips and covers unexpected events like trip cancellations, lost luggage, and travel delays.

• Health insurance is more comprehensive and covers medical treatments abroad, including hospitalization, surgeries, and emergency medical care.

3) Which insurance company is best for travel insurance?

• Allianz Global Assistance, World Nomads, and Travel Guard are popular choices for travel insurance.

• Look for plans with coverage for trip cancellations, emergency medical expenses, and travel assistance services.

4) What is the cost of international travel insurance?

• The cost of international travel health insurance varies depending on factors like trip duration, destination, coverage limits, and the traveler's age and health.

• On average, international travel insurance can range from $50 to $500 or more per trip, with higher premiums for longer trips or more extensive coverage.