ROYAL INSURANCE CORPORATION OF BHUTAN LIMITED
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Health Insurance

We know how difficult it gets to travel for medical treatment abroad, especially with the sick. That’s why our Health Insurance Policy helps Bhutanese travelling to India for medication with cashless payments to hospitals for treatment while also providing reimbursement for medical travel expenses.

Anyone aged 18 – 55 can avail of the Health Insurance. The policy also provides coverage for the spouse and dependents aged 3 months & above.  

Road Ambulance Service up to Nu 2,000 for the cost of the Road Ambulance Icon
Road Ambulance Service up to Nu 2,000 for the cost of the Road Ambulance
Claim Free Bonus of 5 % increase on the Sum Insured for every claim-free renewal Icon
Claim Free Bonus of 5 % increase on the Sum Insured for every claim-free renewal
Cashless basic hospitalization in India for elective surgeries or treatment of serious illness Icon
Cashless basic hospitalization in India for elective surgeries or treatment of serious illness
Pre-hospitalization expenses up to 30 days before hospitalisation in India if the cashless basic hospitalization is approved Icon
Pre-hospitalization expenses up to 30 days before hospitalisation in India if the cashless basic hospitalization is approved
Transportation benefit of up to INR 50,000 or 10 % of the Sum Insured (whichever is lower) for medical travel to India and back Icon
Transportation benefit of up to INR 50,000 or 10 % of the Sum Insured (whichever is lower) for medical travel to India and back
Post-hospitalization expenses for up to 30 days after discharge from the hospital in India if the cashless basic hospitalization is approved Icon
Post-hospitalization expenses for up to 30 days after discharge from the hospital in India if the cashless basic hospitalization is approved
Day-care expenses for treatment of certain diseases like cataracts, dialysis, chemotherapy, radiotherapy, coronary catheterization even for less than 24 hours of hospitalization Icon
Day-care expenses for treatment of certain diseases like cataracts, dialysis, chemotherapy, radiotherapy, coronary catheterization even for less than 24 hours of hospitalization
All dental treatments Icon
All dental treatments
Internal congenital illness Page default image
Internal congenital illness
Any pre-existing illness or diseases Icon
Any pre-existing illness or diseases
Suicide or self-inflicted injury, alcohol or drug abuse Icon
Suicide or self-inflicted injury, alcohol or drug abuse
Medical charges incurred within 30 days or inception of policy Icon
Medical charges incurred within 30 days or inception of policy
Routine , medical, eye and ear examination & cost of spectacles Icon
Routine , medical, eye and ear examination & cost of spectacles
Treatment relating to birth defects, and external congenital treatments Icon
Treatment relating to birth defects, and external congenital treatments
Treatment traceable to pregnancy, childbirth, abortion and their side effects Icon
Treatment traceable to pregnancy, childbirth, abortion and their side effects
Illness or injury while performing duty as a serving member of military or police force Icon
Illness or injury while performing duty as a serving member of military or police force
Laser surgery, contact lenses or hearing aids, vaccination, issue of medical certificates and examination Icon
Laser surgery, contact lenses or hearing aids, vaccination, issue of medical certificates and examination
Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the policy will not be payable Icon
Expenses incurred on treatment of following diseases within the first 2 years from the commencement of the policy will not be payable
Proposal Checklist
Proposal Checklists
  • Proposal form
  • CID copy
  • Pre existing certificate- medical certificate
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Proposal Forms
Proposal Forms
  • Health Insurance Proposal Form (Group)
    Download
  • Health Insurance Proposal Form (Individual)
    Download
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claim Checklist
Claim Checklist
  • Intimation Letter
  • Valid Insurance policy
  • Duly filled claim form
  • Discharge certificate / Discharge summary sheet
  • Citizenship Identity Card Copy
  • Health card copy
  • Original medical bills
  • Accommodation bills
  • Travels bills (itinerary, train ticket, Bus ticket, etc..,)
  • Pre-authorization letter, if relevant
  • Referral letter, if relevant
  • Any other documents if felt necessary to prove the claim
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Claim Forms
Claim Forms Dismiss
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