Why it matters
Indian health insurance generally doesn't pay for treatment in the U.S., and U.S. medical bills can be very high. A single hospital stay can cost more than the whole trip.
Fixed-benefit or comprehensive?
- Fixed-benefit plans are cheaper but pay set amounts per service, which can leave a large share of the bill to you.
- Comprehensive plans cost more but pay a share of the actual bill after the deductible, up to the policy maximum.
For parents over 60, many families choose a comprehensive plan because one serious illness can exceed fixed-benefit limits.
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Pre-existing conditions
Diabetes, high blood pressure and heart conditions are common, and most plans exclude ongoing pre-existing conditions. Some plans offer limited cover for a sudden, unexpected flare-up ("acute onset"). Read this section closely and declare conditions honestly.
Practical tips
- Start the policy on the day they land.
- Buy for the full stay; most plans can be extended online.
- Check that local hospitals are in the plan's network.
- Keep the insurance card and claim phone number with them at all times.
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General information only, not insurance advice. Coverage varies by plan, state and country. Always read the policy wording before you buy.