Aditya Birla Global Health Secure Plan

Aditya Birla Global Health Secure Plan is an indemnity-based international health cover offering cashless treatment at a global network of hospitals. The policy offers worldwide coverage for the treatment of 16 specified illnesses. With global health secure plan, a policyholder gets access to top-notch medical facilities and the best medical experts for any of the 16 listed critical illnesses.

Aditya Birla Health Insurance Company started its operations in December 2016. In addition to a range of health insurance products, the company also offer unique healthcare services like chronic care and incentivised wellness. Aditya Birla Health Insurance Company offers its services through branches in more than 2800 cities and a network of 6000+ hospitals in 650+ cities of India.

In this blog, we will discuss in detail the Global health secure plan, which is one of the best health insurance by Aditya Birla Health Insurance Company.

Global health secure plan offers its customers a facility to avail treatment at a preferred international destination, covering travel and accommodation expenses of the insured, attendant and living donor. Here are some of the key features and product benefits.

• To avail of this plan, you should have an existing domestic health insurance plan with a sum insured value of ₹ 10 lakhs or above.
• The plan offers 2 sum insured options of ₹ 3 cr and ₹ 6 cr.
• The minimum age at entry is 91 days and the maximum age at entry is 65 years with lifetime renewability.
• The plan is available for Indian residents only. NRIs or foreign nationals staying in India cannot have this cover.
• The plan has a pre-existing disease waiting period of 24/36/48 months.
• You can avail of a long-term discount of 7.5% for a 2-year policy and a 10 % discount for a 3-year policy.

Coverage offered under Aditya Birla's global health secure plan includes;

• In-patient hospitalisation expenses are covered for planned treatment abroad. It includes cashless cover for hospitalisation expenses such as room rent, doctor’s fees, OT charges and the cost of medicines.

• 16 listed critical illnesses are covered under the plan including planned inpatient care abroad. These illnesses are;

  • Cancer treatment
  • Heart Valve replacement
  • Major organ transplantation
  • Coronary artery By-pass surgery
  • Bone marrow transplant
  • Neurosurgery
  • Pulmonary artery graft surgery
  • Aorta graft surgery
  • Surgical treatment of stroke
  • Surgical treatment for benign brain tumour
  • Lung transplant surgery
  • Kidney transplant surgery
  • Skin grafting in case of burns
  • Surgical treatment of coma
  • Surgery for Pheochromocytoma
  • Coronary artery By-pass surgery post occurrence of Myocardial infraction

• Post-hospitalisation expenses including medicines and diagnostics are covered upto 30 days of discharge from the network hospital.

• Organ donor expenses are covered at the preferred international location.
• Travel expenses of the insured, an attendant, and the living donor are covered from the place of residence to the destination for treatment.
• Accommodation expenses are covered for the insured, attendant, and the living donor at the city of treatment.
• Repatriation of mortal remains is reimbursed as per the policy terms, in case the insured dies during the treatment.
• Visa documentation guidance is also available as an optional cover for the insured seeking treatment abroad.
• International second e-opinion is also available as an optional cover if the insured wants to take a second opinion on any of the major illnesses listed. The insured can consult anyone from the company’s panel of international medical practitioners.

There are certain exclusions, which are not covered under the Aditya Birla Global Health Secure Plan. These permanent exclusions are;

• Cost of hearing aids, spectacles/lenses including optometric therapy.
• Any treatment for baldness, alopecia, wigs, toupees, etc
• Cosmetic treatments and surgeries
• Any illness or accident caused due to substance abuse
• Unlawful activity or self-injury
• An act of war or revolution

On diagnosis of any of the listed illnesses, a claim can be raised under the policy using the process given below,

• A cashless facility can be availed only through the company’s empanelled service providers. Before initiating a claim please check the updated list of empanelled service providers on the company website.
• Before starting the planned treatment, contact the service provider to request pre-authorisation with the required KYC documents, policy details and diagnosis with all supporting documents.
• Based on the insured’s medical condition, the service provider identifies 3 network hospitals and the insured can select any one.
• After the hospital is finalised, medical reports and other relevant information are shared with the hospital.
• The hospital responds with a medical opinion after receiving the medical reports of the insured.
• In case the insured is willing to proceed with the treatment, notify the service provider.
• After receiving the insured’s confirmation, the service provider arranges for travel, accommodation and admission of the insured. A preliminary medical certificate for the hospital is issued which is valid for 3 months.

Note: that the plan covers treatment expenses on a cashless basis only so there is no reimbursement claim.

Aditya Birla Global Health Secure Plan is the perfect health insurance plan for anyone seeking treatment abroad for any of the listed illnesses. The plan can be taken in addition to any health insurance plan like Aditya Birla critical illnesses plan. For more details of the plan visit the company website or contact Coverfox customer care.