Visitor Insurance from India vs USA

Lots of customers often have this question; whether its better to buy visitor health insurance from India or from USA.

Following are some key points which unveils some of the facts about the Indian Visitor Insurance Plans.

No ID cards - USA hospitals or doctors may not recognize your insurance. That means you may have to pay up front and then file the claim with the Indian Insurance company for reimbursement.

Claim processing in India - This can lead to delay and administrative hassle to deal with them in timely and effective manner.

Type and choice of plan - At this point of time, all Indian visitor insurance are only Limited coverage plans and also have limited choice on plan selection.

Customer Support - Most Indian Insurance plans, do not have support lines and dedicated customer support in US time zone.

Regulation and Legal Matter - How and who regulates the Indian insurance company? In case of any dispute where can you complain. Indian insurance regulations may not protect your rights since the policy you will be using is in USA. A USA based insurance company can be a better choice since it is regulated by the U.S. government.

History of the Service - How long the company is in business and what is their reputation in the market. Most Indian insurance companies are very new and may not be able to provide you the level of service/support when you need as compare to a USA based company.

Renewal or Extension - Most of the Indian insurance policies are NOT renewable. So in case you extend your trip you can not extend your plan.

Non-Refundable - Most Indian plans are not cancelable and non refundable. In case you have to go back to India early due to any reason, you don't get any refund.

Cost - An Indian insurance policy may cost you less at first glance but if you compare apple to apple you wont find much difference for the price you pay versus benefits offered by a USA based Insurance plan.

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