Aditya Birla Global Health Secure Health Insurance

Aditya Birla Global Health Secure policy is an indemnity-based medical insurance policy that covers you and your family for treatment of 16 major illnesses that are planned and scheduled in advance and taken outside India. If covered under the policy, you can choose between sum insured options of Rs. 3 crore and Rs. 6 crores. However, the policy does not cover any emergency or emergency care required when you are abroad. You can be covered under this policy if your age is between 91 days and 65 years. The good news is that you can buy this policy on an individual or multi-individual basis and add self, legally wedded spouse as long as they continue to be married, son, daughter, mother, father, brother, sister, mother-in-law, father-in-law, grandfather, grandmother, grandson, granddaughter, son-in-law, daughter-in-law, brother-in-law, sister-in-law, nephew, and niece. Kindly note that the proposer for this policy does not necessarily need to be insured under it.

The Global Health Secure policy covers you for several expenses such as travel expenses, organ donor expenses, post-hospitalisation expenses, cover for worldwide major illness in in-patient hospitalisation outside India, and repatriation of mortal remains. You can buy this policy for a term of 1 year, 2 years, or 3 years, as per your requirement and keep renewing it for lifetime, provided the policy does not get lapsed. Also, you can avail tax benefits on the premium paid for this policy, under Section 80D of the Income Tax Act, 1961. Kindly note that the policy comes with an initial waiting period of 30 days only after which you will be able to make a claim under the policy.