Global Health Insurance

Global travel, overseas work, international studies, and cross-border living are all becoming common today. But with international opportunities come new risks, new healthcare systems, and higher medical costs. A simple hospitalization abroad can cost ten to twenty times more than in India. Medical emergencies in a foreign country can be stressful, both emotionally and financially.

Global Health Insurance protects you from these uncertainties. Whether you are travelling for work, studying abroad, relocating with family, or living as an expat, a global health plan ensures that you receive high-quality medical care anywhere in the world. It covers major hospital expenses, medical emergencies, outpatient care, evacuation, and even long-term treatments.

This page explains everything in a clear, simple, and conversational way so you know exactly how global health insurance works and how OneAssure helps you choose the right plan.

Global Health Insurance is a health policy that covers medical treatment across multiple countries. It gives you access to international hospitals, doctors, specialists, and advanced care facilities without worrying about the cost. Unlike travel insurance, which covers only short-term emergencies, global health insurance offers long-term, comprehensive coverage.

It is ideal for:

1. Students studying abroad
2. Working professionals relocating to another country
3. NRIs and expats
4. Families migrating overseas
5. Frequent travellers
6. People who want worldwide access to advanced medical care

With a global plan, you can use medical services anywhere in the world, depending on your chosen coverage region.

Healthcare abroad is expensive. Even a basic emergency room visit in countries like the USA or UK can cost thousands of dollars. Advanced treatments like surgery, cancer therapy, and critical care can cost lakhs or crores if paid out-of-pocket.

Here is why global health insurance is essential:

Choosing a global health plan can be overwhelming because coverage varies across countries, regions, providers, and medical rules. OneAssure simplifies everything so you can take an informed decision.

Here is how OneAssure supports you:

Most plans cover:

1. Hospitalization
2. Surgeries
3. Ambulance services
4. ICU charges
5. Daycare procedures
6. Outpatient consultations
7. Diagnostics and medications
8. Emergency medical evacuation
9. Rehabilitation
10. Maternity (after waiting period)
11. Mental health treatment
12. Dental and vision (optional)
13. Preventive health check-ups
14. Terminal illness support
15. Organ transplant procedures

Coverage varies for each insurer but OneAssure helps you compare everything clearly.

Although global plans are comprehensive, they do not cover:

1. Pre-existing conditions unless specifically included
2. Claims arising from illegal activities
3. Cosmetic or elective procedures
4. Self-inflicted injuries
5. Non-medical expenses
6. Treatment without proper documentation
7. Adventure sports (covered only with add-ons)
8. War or terrorism (unless included)

It is important to review exclusions before buying. OneAssure ensures full clarity.

Several factors decide your global health insurance premium:

1. Country or region of coverage
2. Age of the insured
3. Duration of stay abroad
4. Type of plan (student, expat, family, etc.)
5. Extent of coverage and sum insured
6. Pre-existing health conditions
7. Optional add-ons such as dental, maternity, and vision

Premiums for the USA, UK, Canada, Australia, and European countries are higher because of medical costs in those regions.

People choose OneAssure for global health insurance because:

1. We explain everything in simple, transparent language
2. We help you choose the most suitable plan
3. We compare policies across insurers
4. We assist with university, visa, or employer requirements
5. We provide claim support worldwide
6. We stay with you throughout the policy duration
7. We make the process stress-free and easy

Our goal is to give you clarity, confidence, and continuous support.

Global health insurance is ideal for:

1. Students studying abroad
2. Professionals relocating for work
3. Families moving to a new country
4. People who travel frequently
5. Senior citizens visiting children abroad
6. NRIs and expats
7. Start-up founders working internationally
8. Remote workers living overseas

If your life involves travel, relocation, or long-term international stay, this policy gives you the protection you need.

Here are some key things to check:

1. Country and region coverage
2. Waiting periods for maternity and pre-existing conditions
3. Hospital network in your destination country
4. Room rent and treatment limits
5. Emergency evacuation and repatriation support
6. Outpatient benefits
7. Coverage for mental and preventive care
8. Dental and vision options
9. Claim process convenience
10. Customer support availability

OneAssure helps you evaluate all these factors and select the best plan.

To enhance your plan, you can add:

1. Maternity benefits
2. Dental coverage
3. Vision care
4. Adventure sports protection
5. Annual checkup extension
6. Pre-existing condition coverage
7. Vaccination cover
8. Newborn baby care

Add-ons help in customizing the policy based on your needs.