One can purchase any overseas policy meant for ‘corporate frequent travelers’, which provides cover for all trips undertaken within 12 months of the date of purchase of policy.
This is subject, however, to the duration of each trip not exceeding 30 days.
The policy also has a provision whereby, if you undertake a foreign trip on the last day of the policy’s validity, the cover automatically extends to include the trip until your return to India, within the next 30 days.
What should one look for in a mediclaim policy?
First you should look at the cover provided under the proposed policy.
For instance, some policies give cover for pre-existing diseases after a certain period, while others don’t.
Usually, health insurance policies give cover up to Rs 5 lakh, but some can increase this to as much as Rs 10 lakh.
You must also consider the company’s strength and its service network. If the service network is spread across India and the insurer has a tie-up with good reputed hospitals for cashless settlements, it will obviously add value to your cover.
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