Care Health Insurance Global Plan

Imagine this: Priya, a 34 years old software engineer from Bengaluru, landed her dream job in Singapore. But last April, after a sudden illness and expensive treatment, she realized her regular health insurance did not cover even a fraction of her international medical bills. She is not alone. By 2025, as per the survey by IRDAI, nearly 1.2 crore Indians will travel or move abroad for work, business, or higher studies. However, over eighty percent of them are unaware that their Indian health insurance stops at the country’s border. This is where a global health cover steps in.

Care Health Insurance Global Plan at a Glance

Care Health Insurance, formerly Religare, provides an international health insurance plan for Indians working, travelling, or living abroad. This plan helps you secure medical care outside India, including hospitalization, major surgeries, cancer treatments, organ transplants, and even emergency evacuations.

You get multi-currency benefits, free worldwide hospitalization, and special features crafted for Indian citizens and NRIs. This is not just travel insurance for a few days; it is proper long-term medical cover for global citizens like you.

Here’s a quick glance:

• Covers major medical expenses in over 150 countries
• Allows cashless treatment at top international hospitals
• Takes care of planned and emergency treatments
• Available for individuals and families
• Accepted by most foreign visa authorities and embassies

Now, let us look at your main questions on this unique health cover.

What does the global health plan cover?

• Hospitalization costs for illnesses and accidents
• Daycare and outpatient treatments
• Maternity and newborn care (in some variants)
• Organ donor and transplant expenses
• Dental emergencies due to accidents
• Cancer, heart surgery, and long-term illness care
• Pre-existing illnesses after waiting period
• Medical evacuation and repatriation expenses
• Modern treatments like robotic surgery
• Second medical opinion from global experts

These benefits are designed for Indians who frequently travel or settle abroad or have kids studying outside India.

Who should buy a global plan?

• Indian business professionals posted abroad
• People on international long-term assignments
• NRIs visiting India regularly
• Indian students studying in the USA, UK, Europe, Asia Pacific
• Frequent travellers for work, sports, or family reasons
• Anyone with dependents living in different countries

Why Choose Care Health Insurance Global Plan Instead of Regular Travel Insurance?

Is a global health plan different from overseas travel insurance?

Yes, both are very different.

So, global health plans are ideal for anyone who spends many months abroad, needs comprehensive medical facilities, or wants to protect their family wherever they go.

How Does Care Health Insurance Global Plan Work?

How to use the policy in a new country?

When you need treatment in the USA, Europe, Singapore, or any country in the plan network:

1. Show your Care Health Insurance card at the partner hospital
2. The insurer settles bills directly with the hospital up to your eligible sum insured
3. If the hospital is not in the network, you can get treated, pay, and get reimbursement later after submitting bills
4. The 24x7 assistance team helps with ambulance, evacuation, or local guidance
5. Keep your original bills, prescriptions, and doctor notes ready

This cashless and hassle free claim process makes healthcare access smooth for Indians in any country.

What Is Covered Under Care Health Insurance Global Plan in 2025?

What are the key benefits included?

Here is a typical list based on Care Global’s plan (2025 edition):

• Global hospitalization up to USD 1 million (customizable sum insured)
• Cashless or reimbursement claim, anywhere in the world
• Pre and post hospitalization up to 30 and 60 days
• Outpatient consultations, medicines, diagnostic tests
• Second medical opinion from global experts
• Cancer, kidney, cardiac, and organ transplant coverage
• Dialysis, chemotherapy, radiation, advanced treatments
• Dental care for accident related cases
• Emergency air evacuation to best available hospital
• Repatriation of mortal remains to India
• Accommodation for an attendant in certain cases

Each plan can be tailored for countries visited, family size, and unique health needs.

What Are the Exclusions of Care Global Plan?

What is not paid by Care Health International plans?

Read your policy carefully. Common exclusions include:

• Routine dental, cosmetic, or hearing aids unless injury related
• Experimental or unapproved treatments
• Treatment for addiction, self-inflicted injuries
• Illnesses due to war or criminal acts
• Pregnancy unless expressly covered
• Costs higher than what is ‘reasonable and customary’ in that country
• Unapproved hospitals or doctors (unless emergency)

Always ask questions while buying, so you know what is included.

How Much Does Care Health Insurance Global Plan Cost?

What is the approximate premium in 2025?

Many factors shape the cost:

• Age of person covered
• Number of people in the policy (individual, spouse, kids, parents)
• Sum insured in USD or INR
• Regions you want coverage for (worldwide, excluding USA and Canada, Schengen etc)
• Pre-existing conditions or add ons

In June 2025, the annual premium for a 30-year-old Indian with USD 2,50,000 sum insured for worldwide cover is about Rs 66,000 to Rs 1.6 lakh. For family floater or higher sum assured, it increases.

Partial worldwide cover (except USA and Canada) brings the cost down. Students’ cover is less costly than professionals’ plans.

Always use a reputed online comparison site like fincover.com to see accurate live prices and customize your policy.

How to Apply for Care Health Insurance Global Plan?

What is the easy process to buy?

Follow these steps:

1. Visit fincover.com to compare Care Global and other leading global health insurers side by side
2. Enter your details like age, countries to be covered, number of people, known diseases
3. Get live quotes matching your needs for 2025
4. Review premium, covers, exclusions, benefits, and network hospital list
5. Select your plan and complete application online
6. Upload KYC, documents, medical reports (if asked)
7. Pay securely and receive instant policy in your email

You can also request personal assistance or call their customer support for more help and buy offline if you prefer.

What Are the Main Features Unique to Care Health Global Plan in 2025?

Are there new add-ons, digital services, or tech-powered features?

Yes, Care Health Insurance has made several new additions:

• Telehealth doctor consultations on app from any country
• Claim tracking, renewal, and e-cards for family
• Free mental health and stress counseling sessions for expats
• Health checkup reminder and reward programs
• Automatic sum insured restoration in case of large claims
• Express claim settlement within 3-5 working days for emergencies
• Global wellness perks like virtual yoga and nutritionist sessions

Always check for new updates according to latest year; insurance companies upgrade plans often.

Who Is Eligible for Care Global Health Plan?

Who can buy this plan in 2025?

• Indian citizens, NRIs, OCIs and PIO card holders
• Employees, business owners, students, dependents
• People aged 1 day to 80 years (entry ages vary by variant)
• People with pre-existing diseases accepted after medical tests
• Suitable for both individuals and families

It is even popular among aged parents visiting kids abroad or those planning long stays outside India.

What Is the Claim Process for Medical Expenses Abroad?

How do you get your bills paid or reimbursed?

Here is what to do:

For cashless claims:

• Find a partner hospital using the Care Health Global helpline or portal
• Show your e-card at billing desk, fill a treatment form
• Wait for pre authorization approval; the hospital gets settlement directly from insurer

For reimbursement claims:

• Get treatment at any hospital
• Collect all related documents: discharge summary, bills, prescription, claim form, passport copy, tickets
• Email or upload to the claims team within 7 to 15 days
• Wait for processing (usually 3 to 10 days), amount is transferred to your Indian or foreign bank account

Support is 24x7 through WhatsApp, calls, or chat, so even if you are in London or Sydney, help is just a click away.

What to Compare While Choosing a Global Health Plan?

What points to consider before buying?

• Countries/regions covered (do you need worldwide, or only USA, Schengen, etc)
• Network hospitals close to your city worldwide
• Inclusions: outpatient, pre existing diseases, dental, evacuation, home nursing, etc
• Claim processes: cashless versus reimbursement
• Sub limits or hidden cappings
• Co payment rules and deductibles
• Waiting periods for existing diseases
• Customer reviews and IRDAI solvency ratio
• Exclusions and claim rejection reasons
• Premium: if affordable for next 2 to 3 years

Comparing all main insurance brands at once is best—use fincover.com for an easy comparison of features, price, and reviews.

What Are the Advantages for Indian Students with Care Health Insurance Global Plan?

Why should students abroad buy this instead of travel insurance?

• Covers entire period of study plus holidays and trips home
• Meets health insurance criteria for most student visas: USA, UK, Australia, Canada, Germany, France, Singapore and more
• Includes COVID19, pandemic, and vaccination needs
• Pays for new diseases and accidents that may happen far from home
• Covers mental health, dental, and emergency surgeries even if unrelated to studies
• Lets parents manage claims and queries from India
• Can be extended, upgraded, or ported if moving to a new country for higher studies or job

This gives both students and parents peace of mind, and avoids unexpected financial loss due to expensive foreign medical care.

Comparison – Care Health Insurance Global Plan vs Other Leading Brands (2025)

Here is a snapshot comparing top global medical insurance brands for Indian citizens in 2025:

This table is based on top offerings as on June 2025. Plans often change, so check latest comparisons at fincover.com.

What Are the Documents Required to Apply?

What to keep ready for smooth buying?

Keep these documents scanned and handy:

• Aadhar card and PAN for Indian address proof
• Passport with valid visa for each member
• Admission letter for students
• Employment or assignment proof for professionals, if required
• Recent photographs, medical tests if asked for pre existing diseases
• Proof of relationship for family policies
• Travel itinerary with dates

Quick tip: Online applications are fastest if pdf scans are ready. Otherwise, you might get follow up calls from insurer for pending documents.

Tips to Reduce Global Health Insurance Premiums

How can you save money on your global plan?

• Select only the countries or regions you are visiting, not worldwide by default
• Limit coverage for high cost countries like USA and Canada if not essential
• Opt for higher voluntary deductible, which lowers the annual cost
• Remove unnecessary add-ons like OPD or dental if you already have local cover
• Pay multi year premium for extra discounts
• Check for student, female, or group discounts
• Compare on fincover.com for offers and promo codes before paying

Even little choices can save you thousands of rupees annually without reducing real benefits.

How to Renew or Extend Your Care Health Global Plan from Abroad?

What if your trip or stay extends after your plan ends?

• Log in to your Care Health Insurance account or via fincover.com
• Go to Renewals or Policy Extension section
• Enter your existing policy details and extension dates
• Review premium quoted for extra period or upgraded sum insured
• Pay the difference from your bank account or card
• Get new renewed policy instantly to your email

Most global health policies allow mid-year upgrades or extensions, but do not wait till expiry. Give at least 14-21 days’ notice for smooth transaction and claim continuity.

What Customer Support Do You Get with Care Health Insurance Global Plan?

How do Indians get help if any issues abroad?

• 24x7 support number with international dialing options
• WhatsApp chat and email ticketing for fast document support
• Global assistance partners for evacuation or hospitalization advice
• Indian language speaking executives for family support in India
• App based claims status, emergency SOS locator, and hospital finder
• Online claim upload from anywhere in the world

This is a big benefit over smaller insurance companies or local travel covers. Global insurers have office tie-ups and assistance everywhere from Berlin to Brisbane.

What Limits and Waiting Periods Apply?

Are there any waiting periods or limits on claims?

• Pre existing diseases: wait for 24 to 36 months depending on plan
• Maternity, newborn care: usually 9 to 24 months wait unless mentioned
• OPD and dental: usually covered from day one if opted
• Policy sum insured: fixed per year, no carryover
• Any sub limit or capping is clearly mentioned in policy document

Plans for kids and students have shorter waiting for few illnesses and easier acceptance.

Why Is Global Health Insurance Important for Indians in 2025?

In 2025, medical inflation is at its highest. Treating a heart attack in USA costs 40000 USD or higher. One day in a foreign ICU can drain six months’ salary. Countries are now rejecting student and work visas if you do not have recognized health cover.

A health mishap far from home can quickly become a legal and financial nightmare if you are uninsured. Global health plans give you and your family a real safety net. With Care Health Insurance Global Plan, you get peace, freedom, and care across borders.

By comparing on fincover.com and reading policy wordings, you make a smart health move and secure your future globally, wherever life or work takes you in 2025 and beyond.