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Overseas Medical Insurance for Indians

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    Travel Insurance plans starting at ₹21 per day*
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    Cashless Inpatient Hospitalisation upto $1,000,000.
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    24X7 Assistance & Claims Support Worldwide.
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    Immediate Issuance with minimal documentation.
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    No Pre Travel Medical Tests for all age categories .
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    Pre Existing coverage upto $20,000…T&Cs apply.

International travel insurance free quotes

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Overseas Medical Insurance for Indians

We have witnessed tremendous advancement and implementation of technology in the health care sector in India. There are hospitals in India which are internationally popular for their specialization. Likewise there have been dramatic changes in health care worldwide, but all of these changes have made health care expensive. Availing these top class health care services in any country is now not cheap and will leave patients with huge medical bills. One way to avoid financial loss during an unexpected medical emergency is by having proper medical insurance.

Those who are traveling abroad should be aware that your domestic health insurance coverage is limited to home country and does not cross national boundaries. There are however special insurance plans called as overseas medical insurance that cover you for emergency situations abroad. The cashless hospitalization benefits offered under travel insurance plans will save the insured from financial loss by paying at hospital during emergency when abroad on a dream holiday or important business trip.

There are many insurance companies in India offering health insurance at affordable premiums and with good coverage. Since there are many Indian overseas mediclaim insurance plans it would be difficult for people from outside the insurance industry to quickly understand the differences between the different options. Eindiainsurance travel insurance - Buy online with COVID-19 covered compare facility has helped thousands of customers get free quotes and compare and evaluate different plans before buying.

While visiting a foreign country travelers are advised to do a little homework before leaving India. The reason for the little research is because you can be aware of the place to visit and know the possibilities and limitations while you are exploring the destination. Learn a few necessary things that can avoid from facing trouble while you are staying abroad.

Few tips for Indians visiting abroad:
  • Book your flight tickets well in advance to avoid last minute rush.
  • Hotel rooms, cruise, holiday packages… can be booked with your travel agents in India
  • Pack your luggage as per your requirements, try to travel with as little baggage as possible.
  • Your passport should be valid for the entire period of stay. Check if it has to be renewed.
  • Once the visa is stamped, take print out of the passport along with other travel documents and keep it as a backup reference in your baggage.
  • If you are carrying medicines for your pre-existing conditions check with the embassy whether it is listed under narcotics.
  • Buy Indian travel insurance policy to get financial assistance in case of hospitalization abroad.

How to buy insurance for overseas travel?
Indian insurance companies like TATA AIG, Bajaj Allianz, ICICI Lombard, Future Generali, Cholmandalam have designed overseas travel insurance for Indian visitors. Get free quotes of travel insurance in India online and select the plan as per your requirements. Buy Indian travel insurance using a credit/debit card and travel abroad with proper medical coverage.

Posted in Travel Insurance
Tagged by Overseas medical insurance for Indians | Overseas mediclaim insurance | Medical Insurance for Indians overseas | Mediclaim insurance for indians overseas

So what are Overseas Medical Plans? What do they cover?

Also know an Overseas Travel Insurance, the features typically include:
  • Medical emergencies (following both Sickness and Accidents), Trip Cancellations, Lost or Delayed baggage, and Passport Loss during international travel.
  • All plans offer cashless hospitalization at Network hospitals abroad.
  • COVID-19 coverage is included in all insurance plans across insurers.
  • Travel Insurance Premiums are based on age, destination, duration, and sum insured.
    • Shorter trips and younger travelers often get lower rates.
    • Multi-trip (annual) plans are cost-effective for frequent flyers.
  • All insurance companies offer 24X7 Assistance and Claims support through their Third Party Administrators (TPAs) abroad.
  • Insurance is mandatory for Schengen (29 European countries) visa and also mandatorily required for student visas (e.g., USA, Canada, Australia, Germany Rest of the World).
Coverage under Overseas Medical Plans:
  • Emergency Medical & Hospitalization – Covers sudden illnesses and accident-related hospital stays.
  • Trip Interruption/Cancellation – Reimburses pre-paid travel costs if you cancel for covered reasons (e.g. illness, death in family).
  • Baggage & Personal Belongings – Covers delayed, lost, or stolen luggage and personal items.
  • Passport & Travel Document Loss – Pays for emergency replacements and related expenses.Emergency Evacuation & Repatriation – Covers transfer to the nearest adequate facility or return home in severe situations.
  • Personal Liability – Pays for unintentional third party property and bodily injury/damage cause by the insured traveler.
  • Trip Delay / Flight Delay - Trip delay insurance provides coverage for expenses incurred due to unexpected travel delays, helping to mitigate costs associated with accommodations, meals, and transportation.
  • Adventure Sports Coverage – Pays for Accidental Medical expenses when undertaking Adventure Sports including skiing, scuba diving, trekking etc.

Why should I buy from an overseas travel insurance online?

Key reasons include:
  • Comparison of features, pricing, and benefits across insurers available.
  • All types of plans included —select what’s right for you – with or without sublimits, higher deductibles etc.
  • Provides more product related information at the click a button.
  • Instant policy issuance and Email delivery.
  • 24/7 customer support in case of claims or queries.

What are some of the claim tips to keep in mind?

  • Keep a hard copy or atlease a soft copy of your insurance policy handy in case needed at short notice.
  • Save bills, prescriptions, and discharge summaries post admission.
  • Call the insurer’s emergency Toll/Toll Free helpline within 24 hours of hospitalization.
  • For reimbursement, submit claims within 30 days of treatment.
  • All claims reimbursements will be made in ₹ INR irrespective of the currency they were spent in…
  • All Inpatient claims at network hospitals can be made Cashless, and Outpatient treatment will be processed as Reimbursement.
  • Almost all Travel related claims will be made on a Indemnity basis only. For eg. If you do not incur any expenses for a Baggage Delay/Baggage Loss, the claim will not eligible for payment.

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What qualifies as a pre existing medical condition?

Any illness or treatment you received on continue to receive before buying the travel policy—always declare it to see if you're covered.


Can I modify my policy after purchase?

Yes—for name, address, passport number changes or travel date changes (trip not yet begun) can be done through the Travel Insurer Customer Care centre. Premium-affecting changes like sum insured, plan change (Including to Excluding USA/Canada), age change or who’s covered require a new policy .


When does my policy expire?

  • Single trip: Ends either on your scheduled return date on the policy schedule or actual return to India (whichever is earlier).
  • Annual multi trip: Valid for 12 months from the purchase date, but will remain valid as long as you are outside India and within the per trip duration limit (30/45/60 days).

Can I extend my policy while abroad?

Extensions depend on insurer and destination but generally most insurers are willing to extend the policy upto a cumulative duration of 360 days —apply before expiry, usually directly with the insurance customer care centre.


How do I claim for a cashless hospitalization?

Steps to be followed include:
  1. Contact the insurer’s Assistance Partner (TPA) helpline.
  2. Share insurance policy details , passport, nature of ailment/treatment and hospital admission info.
  3. Provide medical documents at discharge—cashless billing is processed with the hospital.

What documents are required for reimbursement claims?

For a prompt reimbursement, you must ensure timely submission of bills as follows:
  • Medical bills, Diagnostic Reports, Discharge Summary from the hospital along with the receipts for the payment made towards these expenses.
  • Filled in claims form, insurance policy copy, passport pages. Must be done within 30 days of treatment.

What’s the deductible/excess, and how does it work?

A deductible is the amount you pay as part of the claim amount/sum insured. For example most travel insurance plans have a deductible of $100, which is payable by you. SO if the claim with the hospital is $2000, the insurer will guarantee payment of $1900 to the hospital and $100 will need to be paid by you.


Can I add adventure sports or higher-risk activities?

Yes—many plans offer add-ons for winter sports, trekking, scuba, mountaineering, etc. Standard plans may exclude them.


How fast are claims processed?

  • Cashless claims are usually guaranteed by the insurance company within 6-8 hours of admission.
  • Reimbursement claims may take 15 working days, once complete documentation is submitted.

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