International health insurance starting at just ₹243/month*
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Coverage Up to $1 Million
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Get Global+India Coverage*
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Concierge Services*
International Health Insurance
IndusInd Health Global (formerly known as Reliance Health Global) is a comprehensive global health insurance plan designed to provide coverage up to $1,000,000 for medical treatments worldwide. It pays for diagnosis, hospitalisation and post-treatment care for planned medical treatments.
For short-term expats, digital nomads, frequent flyers and business travellers, quality healthcare abroad comes with the added stress of language barriers and higher costs.
If you’re on the same boat, getting international health insurance is a smart move, and that’s where we come in. We cover a wide range of illnesses, including over 10 critical illnesses*, with access to top-quality healthcare services worldwide.
Our plan can also be personalised to cover travel and accommodation expenses, so you and your family are fully covered during your stay abroad. Our Health Global plan, along with the multi-trip rider, ensures you receive coverage across borders.
Key Benefits of IndusInd Health Global Policy
Global Medical Cost Insight
A 2024 report by WTW shows 73% higher medical cost projections in 2025 within the Asia Pacific region, with cancer and respiratory conditions growing at a much faster rate.
The medical costs abroad can be double or even triple the costs in India, making it mandatory to secure a policy when travelling overseas.
Why 5 Crore+ Policyholders Trust Us?
Our International health insurance offers access to world-class medical care for planned treatments abroad. And with our new multi-trip rider, you're now also covered for trip and medical emergencies overseas.
100% Cashless Claims*
Full cashless claims processing
₹243/month Starting Price*
Global coverage within your budget
Up to a 37% Discount*
Save more with our global coverage
24/7 Assistance Worldwide*
AI and human-led global assistance
How Does Global Health Insurance Work?
Choose Global (or) Global + India Cover
We offer 2 plan options – a Global Cover (for planned overseas treatments only) and a Global + India Cover. The Global + India Cover provides coverage for planned hospitalisations overseas, and planned and emergency hospitalisations in India.
Planned Treatment
Planned medical treatments overseas will only be covered cashlessly. Notify us and get treated in a network hospital – We’ll offer 3 options to choose from. Reimbursement is only available for second opinions, post-hospitalisation costs, visa costs and rehabilitation services.
Submit Documents
Gather all the necessary documents for the international health insurance claim, including your Preliminary Medical Certificate (issued by us for planned treatments), prescriptions, medical reports, bills and payment receipts and submit them to us.
Cashless & Reimbursement Claim
Depending on your claim option, we will either pay the expenses directly (cashless service) or reimburse you later. For reimbursement, you will need to submit your documents within 30 days of your discharge from the hospital. Once done, we arrange your travel back to India.
Key Features of IndusInd Health Global Policy
Our Health Global Policy highlights coverages that extend to not only global regions for planned medical visits but also for unforeseen medical emergencies with our Global+India plan. We offer top features, including high sum insured, long-term options and more:
Key Features | Global Cover# | Global + India Cover# |
|---|---|---|
Sum Insured | Up to $1 Million | Up to $1 Million (Overseas) + ₹Unlimited* (India) |
Policy Durations | 1, 2 and 3 years | 1, 2 and 3 years |
Family Floater Option | Available + Covers up to 8 family members | Available + Covers up to 8 family members |
Countries Covered | All Countries Except India | India + Worldwide |
Visa Charges and Documentation | Covered | Covered |
Emergency Treatments Overseas (Multi-Trip Rider) | Covered (Overseas only) | Covered (Overseas + India) |
Travel and Accommodation | Covered (Overseas only) | Covered (Overseas + India) |
Hospitalisation Expenses | Worldwide up to SI | India + Worldwide up to SI |
Pre and Post-Hospitalisation | 15 & 30 days | 90 & 180 days |
Free Health Check Ups | Not Available | Covered after 2 years up to ₹10,000* |
OPD Expenses & Dental | Not Available | Covered + Dental is covered after 30 days |
Unlimited Restoration | Not Available | Available |
PED Waiting Period Reductions (Optional Cover) | Available with add-on – Reduce 36 months to 12 or 24 months | Available with add-on – Reduce 36 months to 12 or 24 months |
Emergency Assistance Services | Available | Available |
Co-Payment (On Assessed Claim Amount) | 20% if you’re over 61; Optional if you’re under 61 | 20% if you’re over 61; Optional if you’re under 61 |
#Policy details taken from Reliance Health Global, UIN: IRDAN103RP0001V01202324. Please note that this table states the comprehensive plan options for both covers. Your individual coverage limits and amounts will vary based on the plan you opted for.
IndusInd Multi Trip Rider Plan
Get coverage for your planned and emergency medical costs overseas by pairing your IndusInd Health Global Policy (formerly known as Reliance Health Global Policy) with our Multi-Trip rider. Perfect for frequent flyers, this add-on rider covers your emergency medical costs overseas, since the base plan only covers planned medical treatments. With this optional rider, you’re covered for medical and trip-related emergencies worldwide!
Key Features | Basic Coverage (USD)* | Maximum Coverage (USD)* |
|---|---|---|
Single Trip Duration Covered | 30 - 90 days | 30 - 90 days |
Max Trip Duration Covered | 180 Days per year | 180 Days per year |
Geographical Coverage | Worldwide or Worldwide Excluding USA & Canada | Worldwide or Worldwide Excluding USA & Canada |
Medical Expenses | $1 Lakh, $1.5 Lakhs | $5 Lakhs |
Dental Treatment | $500 (max. $100 per tooth) | $500 (max. $100 per tooth) |
Loss Of Checked In Baggage | $1000 | $1500 |
Delayed Checked In Baggage (Over 12 Hours) | $100 | $100 |
Trip Cancellation | $600 | $600 |
Trip Delay (Over 3 Hours) | $25 per day (6 days max) | $60 per day (6 days max) |
Trip Interruption | $600 | $600 |
Missed Connections (Over 3 Hours) | $200 | $500 |
Loss Of Passport | $300 | $300 |
Automatic Extension | 7 days | 7 days |
Personal Liability | $1,00,000 | $2,50,000 |
Adventure Sports (Optional) | Available | Available |
Disclaimer: Please refer to the official policy documents for detailed information.
Discounts Under IndusInd Health Global Policy
My Employer is taking care of my Health Insurance and so I do not need one
10% Family Discount
Get a discount of up to 10%* when you add family members under your IndusInd Health Global policy. The more family members you include, the more you save!
My Employer is taking care of my Health Insurance and so I do not need one
12% Long Term Discount
Choose a long-term international health insurance policy of 2 or 3 years and get a discount of 7% or 12%*. It’s a smart way to save money while securing long-term protection.
My Employer is taking care of my Health Insurance and so I do not need one
5% Cross-Sell Discount
Already have an IndusInd Car, Health, or Long-term home policy? Great! You get a special 5%* discount for being a loyal customer when you buy our global health insurance policy.
My Employer is taking care of my Health Insurance and so I do not need one
10% Employee Discount
Existing IndusInd General Insurance (formerly known as Reliance General Insurance) employees and group promoters get a flat 10%* discount on policy purchase.
My Employer is taking care of my Health Insurance and so I do not need one
100% NCB (Only For India + Global)
You get a 25% increase in your India sum insured every claim-free year up to 100%*. In case you file a claim, you get a 25% decrease for every claim year from the total bonus amount.
Disclaimer: These discounts are subject to maximum limits. Please ensure you check your policy terms and conditions before purchase.
IndusInd Health Global Policy- Inclusions & Exclusions
What’s Covered?
Inpatient Hospitalisation: Covers hospital room rent, ICU charges, surgery, medicine and doctors' fees for when you’re admitted to the hospital for more than 24 hours.
Pre- and Post-Hospitalisation: Covers costs like diagnostic tests before hospital admission (up to 15 days*) and follow-up consultations after hospital discharge up to 30 days*.
Visa Charges and Documentation: Covers your visa application and processing fees. This can be claimed once every year up to your sum insured amount.
Travel Expenses: Covers flight tickets, return tickets to India and transportation costs to and from the airport (overseas and in India) up to $7,000*.
Accommodation Expenses: Covers hotel bookings and hospital room rent, up to $350/day for 60 days*. We will also handle accommodation costs for the organ donor in case of transplants.
Second Opinion: Covers the costs for consultations overseas and within India if you need a second opinion on your diagnosis.
Assistance Services: Covers the full cost of translation services, consular referrals, lost passport help, sending urgent messages and arranging taxi services.
Rehabilitation (Accident Only): Covers costs for speech, occupational and physiotherapy for injuries caused by an accident up to $2,300*. E.g. Coverage of ₹1.5 lakhs for rehab costs in the US after an accident.
Repatriation of Mortal Remains: In case of an unfortunate event during treatment, the cost of transporting the insured back to India and cremation costs are covered.
What’s Not Covered?
Cosmetic & Elective Surgeries: You're covered for all surgeries overseas except gender change treatment. Cosmetic surgery is covered if it's medically necessary due to cancer, burns, accidents, etc.
Unregistered Hospitals: We cover treatment at all hospitals worldwide except those that are unrecognised and blacklisted, such as med spas, nature clinics, or nursing homes attached to med spas.
Unrelated Treatments: Any diagnostic tests unrelated to your hospitalisation, eyesight correction, vaccinations and immunisation outside of post-bite treatment, and health supplements that don’t need a prescription.
Respite Care: We cover all medical expenses except custodial or nursing home costs for terminally ill patients or daily living assistance.
Pregnancy and Infertility: Any pre- or postnatal treatments, or treatments relating to pregnancy, infertility (IVF, reversal of sterilisation, etc.) and contraception.
Obesity and Weight Control: We only cover surgery to treat obesity when it's medically necessary and recommended by your doctor.
Illegal Activities and Self-Harm: We cover all injuries except those caused by breaking the law or harming someone or yourself on purpose.
Drug and Alcohol Abuse and Nuclear Attacks: You're fully covered for medical emergencies, but treatments for alcoholism, drug abuse or overdoses are excluded. The same applies to injuries due to war or nuclear attacks and ionising radiation.
Disclaimer: The inclusions and exclusions are subject to policy terms and conditions. To refer to the official policy document for complete details, click here.
Health coverage that tavels with you
Call us now! Let’s talk health without borders
How to Choose a Global Health Insurance Plan?
Choose High Sum Insured
Medical treatments overseas are expensive, and you do not want to pay for treatment out of pocket halfway through your stay. That's why you also need to account for accommodations, travel costs, and daily living expenses on top of treatment costs. So, choose a high sum insured plan.
Check the Countries Covered
Some plans exclude treatments taken in the USA and Canada, so it’s important to double-check if the plan you’ve chosen covers your planned treatment in your destination country. Ideally, you want your plan to actually have worldwide coverage and cover all countries without any exceptions.
Check the Plan Options Offered
Comprehensive global health insurance, like ours, offers several plan options with varying levels of coverage and add-ons to enhance coverage. So choose a global plan option that best suits your needs. We recommend going for a higher coverage plan to ensure medical inflation is considered.
Check for Restore Benefits
Choose a plan that offers restoration benefits to replenish your sum insured amount after a claim. This can be helpful in case your initial claim fully exhausts your coverage amount. Look for plans that offer this benefit for claims filed for the same or unrelated illnesses, so you get more flexible coverage.
Prefer Plans with Renewal Benefit
Check if the international health insurance plan offers No Claim Bonuses or cumulative bonuses, free annual health check-ups and any other increments on your sum insured upon renewal. This ensures your plan still offers sufficient coverage in the future even if healthcare costs go up.
Check for Cashless Claims
Check the claims process in general, and check if the insurance company has tie-ups with overseas hospitals for quick and cashless settlements. The claims process should also be available online and involve minimal paperwork. Ideally, you want a plan like ours that offers cashless claims at any hospital.
Details Needed to Buy International Health Insurance
Our International Health Insurance ensures Global+India coverage for your planned and emergency treatment requisites. Here are some of the key parameters that ensures you make an informed decision during your purchase:
Age Limits
Adults between 18 and 65 years can buy this plan, Dependent children from 91 days up to 25 years can be added to this policy.
Family Members Included
Policy allows a maximum of 8 members to be covered.
Pre-Policy Medical Check-up
This is required on a case-by-case basis. E.g., if you have any chronic or pre-existing conditions
Pre-Existing Diseases
You will need to let us know about any pre-existing conditions. Waiting periods apply, but can be reduced with an add-on.
Health and Lifestyle Disclosures
You need to inform us if you smoke or drink, and provide a complete medical history while buying, to avoid claim issues later.
City of Residence
This won’t disqualify you from buying the plan, but it can affect your premiums. If you move, make sure to update your location.
Premium Payment Flexibility
Premiums are calculated considering your income and preferred frequency. You can pay yearly, half-yearly, quarterly, fortnightly or monthly.
How to Buy and Renew IndusInd Health Global Policy?
Buy Online
Scroll to the top of this page to buy the Health Global policy.
Enter your name, mobile number and PIN code. Click View Prices.
Select your coverage, and if needed, opt for the multi-trip rider plan.
Click next and enter your KYC details – PAN card number and DOB.
Complete payment online to receive your policy via email.
Renew Online
Go to the calculator at the top of this page and select "Renewal".
Enter your policy number or mobile number and click Send OTP.
Enter the OTP to verify and start your renewal.
Review and edit your existing policy if needed.
View the updated premium and pay online to renew instantly.
Health insurance starting at just ₹243 per month*!
Seamless Health Support, Across Continents
Access world-class healthcare with IndusInd Global Health Policy. Now with our brand new Multi-Trip Rider, you’re covered for planned and emergency medical treatments overseas!
How to Claim IndusInd International Health Insurance?
Steps to File a Claim:
For Overseas Claims (Pre-Authorisation Process for Planned Treatment)
Inform Us
Planned treatments will be settled on a cashless basis only, so you need to undergo the pre-authorisation process and get a “Preliminary Medical Certificate” from us.
Choose a Hospital
Based on the documents you’ve submitted about your medical condition, we will offer 3 network hospital options to choose from.
Get a Detailed Medical Report
Medical reports and all other relevant documents must be shared with the hospital. You must contact the hospital to get a detailed medical opinion.
Opt for a Second Opinion or Submit the Consent Form
If you need a second opinion, we will guide you through the process. If not, notify us of your plans to get treatment abroad and submit the consent form and final diagnosis.
Apply for Visa and Notify Us
After you get your visa, we will organise your travel, accommodations and medical arrangements overseas for planned treatment.
Get Your Preliminary Medical Certificate
We provide a “Preliminary Medical Certificate” that is valid only for the hospital you’re being treated at. You must present this at the network hospital during cashless claims.
For Claims Filed Overseas
Notify Us Promptly
Write to us at - rgicl.rcarehealth@relianceada.com
Connect through the Self-i App
Call us on our paid helpline number - 022-48903009
Cashless Treatment at Hospitals
Once you’ve completed the pre-authorisation process:
- Present your Preliminary Medical Certificate at the hospital to get treated
- We or the Empanelled Service Provider will initiate a direct claims settlement with the hospital.
- Once your treatment is over, we’ll arrange your travel back to India.
Reimbursement Claims (Only Available on a Case-by-Case Basis)
If cashless claims services are not available for pre- and post-hospitalisation, visa charges, documentation and assistance services:
- Get treated, pay for the treatment and then notify us.
- Submit documents (bills, prescriptions, discharge summary, etc.) within 30 days of discharge.
- We will process and pay the approved amount, usually within 30 days.
For Claims Filed in India
Notify Us Promptly
Planned Hospitalisation: Inform us at least 48 hours before admission.
Emergency: Notify us within 24 hours of hospitalisation.
How to Contact Us
Email: rgicl.rcarehealth@relianceada.com
Website: Make A Health Insurance Claim
Phone: 022-4890 3009 / 022-4111 2600
App: Self-i App
Courier (for offline submission):
Reliance General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081
Cashless Treatment at Network Hospitals
Once you notify, IndusInd General Insurance (formerly known as Reliance General Insurance) will:
- Verify your policy and send an approval letter to the hospital.
- Notify the hospital of claims approval within 2 hours
- After treatment, the final bill will be directly settled with the hospital within 1 hour.
Cashless Treatment at Authorised Non-Network Hospitals
The Cashless Everywhere feature allows you to claim cashless services even at non-network hospitals.
The cashless claim is available via the IndusInd health claims team, RCARE, on your health card:
- Call: 022-4890 3009 (Paid).
- Submit documents to RCARE.
- RCARE will coordinate for cashless approval if eligible.
Reimbursement Claims (Any Hospital)
If your cashless claim is denied, don’t worry. You can still claim via reimbursement.
- Fill and sign the claim form.
- Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment.
- We will process and pay the approved amount, usually within 30 days.
Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
Key Takeaways
IndusInd Health Global Policy (previously known as Reliance Health Global Policy) offers comprehensive medical expense coverage for anyone planning to get treatment overseas. We also offer emergency medical coverage overseas, along with trip coverage under our newly launched Multi-Trip Rider add-on.
We’ve designed this policy for everyone from digital nomads and short-term expats to students, senior citizens and professionals. Whether you’re seeking access to advanced medical treatments or travel overseas frequently, this policy has you covered. It covers a wide range of treatments, including gene therapy, cancer treatment, and organ transplants, and it offers coverage for your travel and accommodation expenses overseas.
With competitive discounts, a Multi-Rider plan, and a wide range of add-ons, the IndusInd Health Global Policy offers ease in planning medical treatment overseas, providing extensive SI of up to $1 million to cover all your treatment needs with ease.
We offer affordable premiums starting at ₹243 per month*, fully customisable plans, around-the-clock support, and quick cashless claims, making us one of the most accessible international health insurance options in India. From Delhi to Toronto, we handle all your medical needs!
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International Health Insurance - FAQs
Can I buy an international health insurance policy in a foreign country?
Generally no. Most Indian health insurance plans will only offer coverage for medical treatments in India. If you are planning to seek treatment overseas, you will need to buy an international health insurance policy or check if your existing health policy offers a global coverage add-on.
At IndusInd General Insurance (formerly Reliance General Insurance), we offer an international health policy with coverage up to $1 million. This plan will also help cover your travel and accommodation costs while overseas, so your whole stay is covered.
How much does international health insurance cost?
Our international health policy price starts at ₹243 per month*, but your actual plan price may vary based on the coverage you choose under the plan. This is because the premium for a global health insurance policy is determined by factors such as your age, health condition, choice of global health insurance plan option, sum insured, policy period, and pre-existing health conditions.
Global health insurance premiums are also slightly higher than domestic health plans due to their worldwide coverage. However, the advantages make them worth it, and they can be customised to offer affordable coverage.
Does an international health insurance policy cover medical expenses incurred in India?
Yes, in most cases it will unless your plan states otherwise. For example, the IndusInd Health Global (formerly known as Reliance Health Global) Policy offers a Global plan option and a Global + India plan option.
The Global + India plan option will cover medical treatment costs incurred in India and overseas, while the Global plan option will only cover your planned medical treatments overseas.
Does a global health insurance policy cover planned medical treatments in the US and Canada?
Yes, our IndusInd Health Global (formerly known as Reliance Health Global) policy covers planned medical treatments in various countries worldwide, including the US and Canada.
Are pre-existing illnesses covered in international health insurance plans?
Yes, pre-existing illnesses are covered in our international health insurance plan, but only after you complete the 36-month waiting period. In case you need this coverage soon, we offer an add-on that reduces the waiting period to 12 or 24 months.
If you have ported your health insurance policy. In that case, the waiting period you have completed in the previous policy will be carried over, allowing you to retain the benefit without restarting the waiting period in the new policy.
Disclaimer: Please note that acceptance of pre-existing health conditions will be subject to the global health policy’s terms and conditions.
Disclaimer:
*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.
Customer Count: The total no. of customers insured data is for FY24 and has been picked up from the number of lives insured for Health, Personal Accident, Overseas Travel, Domestic Travel, Workmen Compensation and Crop Insurance, Weather LOB & Fire LOB provided by IRDAI count that is master policy count. Other than these LOBs, we have also provided data for the number of certificates issued.
Claim Settlement Ratio: This is the overall claim settlement ratio for FY 2023-24 without claim outstanding at the start of the financial year as per public disclosure of Reliance General Insurance Co. Ltd.
Premium: The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).
Health Global: Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324
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