siliconindia | | January 20229Global Robotic and Cyber Knife Surgery: Many people get this policy because they want to opt for a more advanced treatment plan in another country. That is why, the global health insurance plan covers expenses occurring from a Robotic or Cyber knife surgery performed outside India. The main condition here is that the surgery must be prescribed for a disease covered within the policy.Global Modern & Advanced Treatments: In relation to the feature above, global health insurance also covers new age treatments in foreign countries covered by the plan. A number of modern and advanced treatment plans are covered in your policy. As long as your medical practitioner prescribes these treatments you can avail of them overseas.FACTORS TO CONSIDER BEFORE BUYINGThe global health insurance policy sounds like a great deal, but there are a few things you must keep in mind before buying the plan. Everyone has a different set of unique needs, so you cannot just hope for a one size fits all plan. Here are some of the factors that you should consider before your purchase:Geographical Area Covered: While your global health insurance is a plan for overseas treatment, not every foreign city is covered. Most of these plans do not cover USA or Canada. To get coverage in these countries, you will need to pay an extra premium. But even when you consider the coverage in other nations, you should check carefully. Does it cover the entire continent, or does it cover specific countries/cities? Because you can only get cover for treatment in areas covered by your plan. That is why it is very important for you to read through the terms and conditions about the geographical area covered in the plan, so you know exactly where you need to go to get treated.Waiting Period of the Policy: The waiting period of a health insurance policy signifies the number of days before which the policy benefits come into effect. This means that before the waiting period ends, you cannot avail the features of health insurance plans in India. That is why buying global health insurance immediately before leaving the country may not be the best idea. Some plans have a 15 day waiting period, some have 30 days. This difference makes a huge difference when you're away from your home country and have to deal with an uncertain situation. That is why you should make note of the waiting period of all global health policies you are exploring, and choose the one that matches your needs well.Inclusions & Exclusions: No two plans are the same. Each insurance provider has their own set of features and benefits listed in their plan. Add on benefits are also often different in the case of different insurance companies. That is why you must meticulously go through the inclusions and exclusions of your plan before making a purchase. Inclusions are those amenities offered to you as part of your policy. This can include conveniences like ambulance charges, vaccination charges, home visits by the doctor and more. Exclusions on the other hand are those amenities that you do not get from this plan. This can include certain medical procedures, unverified treatment options and more.Seamless Claim Process: Filing for a claim is the most important step of owning a health insurance policy. It can also be a very tedious process. That is why, especially for a global health insurance plan, you should check the claim process carefully before investing in it. Some of the things you should look out for include the process of filing your claim, the company's claim addressal history and the documents needed to file the claim.Network Hospitals: Network hospitals are those medical treatment centres that your insurance company is associated with. Some of the advantages of going to a network hospital include less paperwork, quicker processing of claims, cashless treatments and more. It is important to check which hospitals are included in the network well in advance, so you can get the best treatment at a place already verified by your insurance provider.According to several reports, medical expenses have been surging at a double digit rate in India, and the trend is likely to persist. Thus, by anticipating and understanding a variety of health challenges people could possibly face over their lifetime, Manipal Cigna Lifetime Health Global plan, is an adequate no-compromise health insurance cover to secure not just your current health needs but also the ones you are likely to require at different stages of your lifetime.
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