A recent update from a Chartered Accountant highlights a smart way to save money on healthcare—especially for heart surgery—by using Mediclaim (health insurance) plans that cover treatment in India even if you live abroad.
Rising Medical Costs and a Simple Smart Move
Medical expenses are going up every year, not just in India but all over the world. A recent example shared by a Chartered Accountant shows how people can save money by diversifying Mediclaim (health insurance)—especially through cross-border options.
The case compared the cost of a heart surgery in the UK vs India.
- In the UK, the surgery bill was over ₹40 lakh.
- In India, the same surgery was done at ₹5.5 lakh.
- The family’s insurance covered it, and they saved almost seven times the cost.
This shows why cross-border Mediclaim diversification can be a life-saver—not just medically but financially.
Why India Is Becoming a Global Health Hub
- Affordable Treatment: Indian hospitals offer world-class surgeries at a fraction of the cost. For example:
- Bypass surgery: ₹2.5 – 4.5 lakh
- Angioplasty: ₹1.5 – 3 lakh
- Valve replacement: ₹3 – 5.5 lakh
- No Long Waiting: Unlike systems like the UK’s NHS, where patients often wait months, in India private hospitals offer quick access.
- Global Standards: Many hospitals in Delhi, Chennai, and Bangalore have international accreditation, attracting patients from across the world.
What Does Diversifying Mediclaim Mean?
Most Indians depend on local Mediclaim policies. But in today’s world, health risks can demand international options.
Diversifying Mediclaim means:
- Having insurance that covers treatment in India even if you live abroad.
- Adding riders or top-up policies that allow cross-border treatment.
- Using health insurance as a financial shield against unpredictable costs.
Why This Matters to You
Whether you live in India or have family abroad, considering cross-border Mediclaim is a practical choice:
- Save up to 80% on major surgeries.
- Get faster medical help without waiting lists.
- Enjoy peace of mind knowing that you have options in both countries.
Smarter Choices with eBharat
At eBharat.com, we believe that smart financial planning includes the right health cover.
Rising healthcare costs are a global reality. But as this case shows, planning your Mediclaim smartly can save you lakhs. Cross-border diversification is not just for NRIs—it’s for anyone who wants better choices, better value, and better care.
