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
Health Global Insurance
IndusInd Health Global (formerly Reliance Health Global) is a comprehensive global health insurance plan that provides coverage up to $1,000,000 for medical treatment worldwide. It covers the costs of 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 are 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.
What Is International Health Insurance?
International health insurance is a long-term medical insurance policy designed for individuals living or working abroad for extended periods. It provides access to planned and emergency treatments globally, including hospital stays, surgeries, and specialist consultations.
A global health insurance coverage is ideal for expats, students, and frequent travellers. Some policies may also offer optional coverage within India. It helps get continued care across borders without disruptions or high out-of-pocket expenses.
Understanding International Health Insurance
How is International Medical Insurance Different from Travel Insurance?
Travel Insurance
Travel Insurance is designed for short trips, typically lasting a few days to a few weeks. It mainly covers emergency medical expenses, trip cancellations, lost baggage, and flight delays. It is ideal for tourists or business travellers visiting another country temporarily. However, it does not include routine health checkups or planned treatments abroad.
International Medical Insurance
International Medical Insurance, on the other hand, is a comprehensive health plan for people living, studying, or working abroad for extended periods. It covers planned medical care, including maternity, chronic condition management, mental health, and wellness checkups. It also offers more flexible geographic coverage and longer validity.
Who Should Buy a Global Health Insurance Plan?
Expats
Ideal for individuals living or working overseas for extended periods.
Relocating NRIs
Useful for NRIs settling abroad with limited access to public healthcare.
Cross-Border Professionals
Suits those working across countries or on international projects.
Overseas Students
Essential for students studying at foreign universities for a long duration.
Frequent Flyers
Great for regular international travellers needing ongoing coverage.
Medical Travellers
It covers planned treatments or surgeries abroad for the insured.
Digital Nomads
It supports remote workers with no fixed country of residence.
How is International Medical Insurance Different from Travel Insurance?
Global medical insurance and travel insurance serve different purposes, mainly in terms of coverage duration and depth.
Travel insurance is designed for short trips, typically lasting a few days to a few weeks. It mainly covers emergency medical expenses, trip cancellations, lost baggage, and flight delays. It is ideal for tourists or business travellers visiting another country temporarily. However, it does not include routine health checkups or planned treatments abroad.
International health insurance, on the other hand, is a comprehensive health plan for people living, studying, or working abroad for extended periods. It covers planned medical care, including maternity, chronic condition management, mental health, and wellness checkups. It also offers more flexible geographic coverage and longer validity.
Why Do You Need International Health Insurance?
Covers High Medical Costs Abroad
Healthcare expenses overseas can be extremely high, even for basic treatments. For instance, a 2024 report by WTW shows 73% higher medical cost projections for 2025 in the Asia Pacific region, with cancer and respiratory conditions growing at a much faster rate.
Medical costs abroad can be double or even triple of those in India, making it mandatory to secure a policy when travelling overseas. Our overseas health insurance helps manage these costs and prevents financial strain when you need medical insurance coverage for planned treatment abroad.
Cover Specialised and Planned Treatments Overseas
Many people travel for advanced or planned treatments unavailable locally. International health insurance ensures medical insurance abroad covers such planned care without exhausting personal savings. We cover pre & post hospitalisation costs incurred up to 15 days from the day of arrival at the hospital for your treatment, as well as 30 days from the date of discharge.
Our plan also goes the extra step and offers further assistance with our concierge services – from losing your passport to needing hospital admission in a foreign country, we have you covered.
Get Comprehensive Protection (Hospitalisation, Pre/Post, and Evacuation)
Overseas health insurance offers comprehensive protection beyond hospitalisation, including pre and post-treatment expenses, emergency evacuation, and related medical support.
If you buy from us, you also get coverage for visa and accommodation costs. Plus, we also cover ICU setup and treatment up to ₹25 lakh. E.g., if a cancer patient gets medical care at home, treatment is covered up to ₹25 lakh.
Access World-Class Hospitals and Doctors Globally
With global health coverage, you can seek treatment at reputed hospitals worldwide. Our overseas health insurance ensures access to quality doctors and advanced medical infrastructure abroad. So, if you are planning to get complex surgery in the U.S – No problem! You can get it done at a top hospital without worrying about the bill since we covered up to $1 million. Claims are also fully settled cashlessly, so you pay nothing out of pocket.
Moreover, we offer unlimited coverage in India. For example, if you claim $500K abroad and then need a ₹3 crore surgery in India, both will be covered, with your treatment in India getting full cost coverage.
Continuity of Care Across Countries
International health insurance supports continuity of treatment even when you move countries. Overseas health insurance provides uninterrupted medical cover abroad during your travel between countries. This is possible through our multi-trip rider, which offers coverage for medical emergencies overseas and trip insurance for events such as cancelled trips and lost luggage. It is perfect for frequent flyers and those who travel often.
Types of International Health Insurance Plans from IndusInd
Global Cover (Treatment Abroad Only)
The global cover is designed for individuals who require medical treatment exclusively outside India. It covers overseas hospitalisation, emergency care, and specified major illnesses abroad.
Global medical insurance is essential for managing high international healthcare costs without relying on Indian coverage. It is suitable for expatriates, students, and professionals staying overseas long-term.
Global + India Cover (Treatment in India and Abroad)
This option provides flexibility by covering planned and emergency hospitalisation in India and planned treatment overseas, as per policy terms. It is ideal for frequent travellers or expatriates who return to India periodically. Health insurance global coverage under this plan ensures continuity of care and protection across countries.
Individual vs Family Floater Options
Individual Plan: Separate sum insured for each insured member.
Family Floater Plan: One shared sum insured for the entire family.
Ideal Choice: Individual plans suit varied medical needs; family floaters suit shared healthcare requirements.
How Does IndusInd International 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 Claims
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.
International health insurance is a long-term medical insurance policy designed for individuals living or working abroad for extended periods. It provides access to planned and emergency treatments globally, including hospital stays, surgeries, and specialist consultations.
A global health insurance coverage is ideal for expats, students, and frequent travellers. Some policies may also offer optional coverage within India. It helps get continued care across borders without disruptions or high out-of-pocket expenses.
Up to 40% Discount on Premiums*
Get more coverage & more savings!
20+ Add-On Covers Available
Enhance coverage with add-ons for your policy
AYUSH+Modern Treatments
Includes modern and AYUSH treatments
24/7 Customer Support Available
Quick claims and queries support
Key Benefits of IndusInd Health Global Policy
$1 Million Global Coverage
Need complex surgery in the U.S? No problem! You can get it done at a top hospital without worrying about the bill since we covered up to $1 million.
Unlimited India Coverage
If you claim $500K abroad and then need a ₹3 crore surgery in India, both will be covered, with your treatment in India getting full cost coverage.
Concierge Services
From losing your passport to needing hospital admission in a foreign country, our concierge services have you covered.
Pre & Post Hospitalisation
We cover expenses incurred up to 15 days from the day of arrival at the hospital for your treatment as well as 30 days from the date of discharge.
Home ICU Coverage
We cover ICU setup and treatment up to ₹25 lakh. E.g., if a cancer patient gets medical care at home, treatment is covered up to ₹25 lakh.
Cover Multiple Overseas Trips
Our multi-trip rider covers medical emergencies, cancelled trips and luggage loss. It is perfect for frequent flyers and those who travel often.
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 years of age; Optional if you’re under 61 | 20% if you’re over 61 years of age; Optional if you’re under 61 |
#Policy details taken from IndusInd 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.
Key Features of IndusInd Health Global Policy
Our Health Global Policy extends coverage not only to planned medical visits in global regions but also to 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 Expenses | 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 as an add-on – Reduce 36 months to 12 or 24 months | Available as an 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 years of age; Optional if you’re under 61 | 20% if you’re over 61 years of age; Optional if you are under 61 |
Please note: Policy details taken from IndusInd Health Global (previously known as Reliance Health Global), UIN: IRDAN103RP0001V01202324. This table states the comprehensive plan options for both covers. Your individual coverage limits and amounts will vary depending on the plan you selected.
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 lakh | $5 lakh |
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.
Health coverage that travels with you
Call us now! Let’s talk health without borders
How to Choose a Global Health Insurance Plan?
Choose a 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 aged between 18 and 65 years can buy this plan, and dependent children aged 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.
Travel and Stay Details
Information about your destination, purpose, and duration of stay helps customise coverage and calculate your premium correctly.
Policy Preferences
Select payment frequency, add-on covers, and global or regional coverage based on your healthcare needs and financial preferences.
How Much Does International Health Insurance Cost?
Here's how you can easily calculate your insurance premium along with an example of your international insurance coverage:
Use Our Calculator to Get A Quote
The global health insurance cost depends on age, destination, sum insured, coverage region, policy term, medical history, and whether high-cost regions are included. You can get a quick estimate by using the calculator below:
Enter your details – how many people you want to insure, your PIN Code, and your DOB.
Select your sum insured amount (choose an amount slightly higher than your treatment cost)
Click “View Prices” to get an instant price quote and to view your plan options.
You can also contact our sales team at +91 22 48903009 for help with plans and coverage.
Starting Premiums (Example)
Scenario: You need cancer treatment at a top hospital in the US, and the costs of treatment average around $150,000. Factoring in accommodation, travel and visa costs, you’re looking at a steep bill.
Recommended Plan Option: Global + India (including US & Canada); Royal Plus plan option
Optional Covers: Upgrade India Coverage
Sum Insured: USD 250,000
Duration: 1 Year
Starting Premium: ₹38,454
Key Plan Benefits: Planned hospitalisation worldwide, second opinion for better diagnosis, travel + accommodation expenses covered, concierge & assistance services, cashless claim for full treatment
Please note: *Premium is indicative. Final pricing depends on underwriting, plan terms, coverage options, and exclusions as detailed in the policy wording.
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 the IndusInd Global Health Policy. Now with our brand new Multi-Trip Rider, you’re covered for planned and emergency medical treatments overseas!
Factors That Affect Your Premium
Age of the Insured
Your age plays a big role in deciding the premium. As you get older, the likelihood of needing medical care increases, which naturally raises premiums.
Number of Members Covered
If your plan includes more people, such as in a family floater or multiple individual covers, the premium will increase. More members mean a wider coverage base and higher potential claims.
Destination Countries
Healthcare costs aren’t the same everywhere. If your policy covers treatment in countries with expensive medical systems, your premium will reflect that. Travelling to lower-cost destinations generally keeps the premium more affordable.
Sum Insured Selected
Choosing a higher sum insured offers stronger financial protection, but it also means the insurer carries more risk. As a result, you’ll pay a higher premium for the added safety net.
Pre-Existing Conditions
If your policy includes coverage for pre-existing medical conditions, your premium may increase. Insurers assess medical history and apply waiting periods or specific terms before coverage begins.
Optional Riders and Add-ons
Extra benefits, such as maternity coverage, emergency evacuation, or outpatient care, enhance your coverage but also increase the total premium.
Coverage Region (Including or Excluding the USA)
Plans that include the USA tend to cost more since healthcare expenses there are among the highest in the world. Excluding the region can significantly lower your premium.
Policy Term
Longer policy durations often cost more upfront but may offer better value compared to multiple short-term policies.
How to Buy and Renew International Health Insurance Online
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 the payment online to receive your policy via email.
Renew Online
Go to the form 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.
Documents Required to Buy IndusInd International Health Insurance
Identity & Address Proof - Valid government-issued documents such as a passport, Aadhaar, or driving licence to confirm identity and residential address.
Age Proof - Official documents, such as a passport or birth certificate, to verify age eligibility under the international health insurance plan.
Medical Reports (If Required) - Medical test reports may be requested based on age, sum insured, or disclosed pre-existing health conditions.
Travel / Visa / Employment Documents (For Certain Countries) - Visa copies, travel details, or employment or study-related documents may be required for country-specific or region-based coverage.
Other Useful Information on International Health Insurance
Portability
Portability under IndusInd International Health Insurance gives you the freedom to switch insurers without losing key benefits. You can port the entire policy, including all family members, by applying at least 30 days before renewal, as per IRDAI guidelines.
If you have had continuous coverage with no gaps under an Indian health insurer, your accrued waiting period benefits are carried forward. It ensures uninterrupted protection and continuity of care.
Migration
IndusInd International Medical Insurance offers flexible portability and migration options to keep your coverage aligned with your needs. If you already have a health insurance policy with another provider, you can port it to IndusInd. This ensures you retain all accrued benefits. The process follows regulatory guidelines.
You can also migrate within IndusInd’s global medical insurance plans to upgrade your sum insured or move to a higher-tier plan. This allows your coverage to grow as your healthcare needs change. With these options, you enjoy uninterrupted protection and access to quality medical care globally. Adapting your plan is simple, convenient, and designed to give you confidence.
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 -igicl.icarehealth@indusindinsurance.com
Connect through the IndusInd Insurance 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: igicl.icarehealth@indusindinsurance.com
Website: https://www.indusindinsurance.com/
Phone: 022-4890 3009 / 022-4111 2600
App: IndusInd Insurance App
Courier (for offline submission):
IndusInd 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, ICARE, on your health card:
- Call: 022-4890 3009 (Paid).
- Submit documents to ICARE.
- ICARE 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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