1. U.S. Elementary Education : What Parents Need to Know
    Dismiss Notice
  2. Middle School Education in the US - What to Expect and What to Do
    Dismiss Notice
  3. If someone taught you via skype, what would you want to learn? Tell us here!
    Dismiss Notice

Medical Insurance Advice For Visitor Parents From India

Discussion in 'Indians in New York' started by ravioli1970, Jun 27, 2016.

  1. ravioli1970

    ravioli1970 Bronze IL'ite

    Messages:
    146
    Likes Received:
    36
    Trophy Points:
    48
    Gender:
    Female
    hi all,
    i would like to know when ur parents visit from india do u purchase visitor health insurance for them before they visit in india or do u do it in us?? is it a must to do so?? plz advice
     
    Loading...

  2. jskls

    jskls Finest Post Winner

    Messages:
    6,786
    Likes Received:
    24,600
    Trophy Points:
    490
    Gender:
    Female
    Yes, We got our parents/in-laws here, after we get insurance (mostly we buy from India). Submitting a claim is not that easy though. Whether you buy in India or here, it is safe to have insurance from the moment they land here. There maybe free clinics or community clinics where many of our Indian doctors volunteer and you can avail that for free/frequent check-ups.
     
  3. momsky

    momsky Gold IL'ite

    Messages:
    464
    Likes Received:
    749
    Trophy Points:
    180
    Gender:
    Female
    Yes, it is a must. When my son was a baby, he contracted e-coli and the hospital bill was more than $12,000 for a 3 day stay. This was back in 2004 when we were visiting LA from India.

    Thanks God the insurance paid all of it.
     
  4. ravioli1970

    ravioli1970 Bronze IL'ite

    Messages:
    146
    Likes Received:
    36
    Trophy Points:
    48
    Gender:
    Female
    is it a must though or is it personal discretion?? just curious
     
  5. shobhamma

    shobhamma Gold IL'ite

    Messages:
    494
    Likes Received:
    505
    Trophy Points:
    173
    Gender:
    Female
    It is personal discretion but must be made imperative. Not only for sickness most policies also cover lost baggage, passports and delayed / cancelled flights and any accidents too.
    Always we got it in India as starts the moment you begin your journey.
     
  6. ravioli1970

    ravioli1970 Bronze IL'ite

    Messages:
    146
    Likes Received:
    36
    Trophy Points:
    48
    Gender:
    Female
  7. ravioli1970

    ravioli1970 Bronze IL'ite

    Messages:
    146
    Likes Received:
    36
    Trophy Points:
    48
    Gender:
    Female
    any good insurance companies in US?? any personal experiences with claims
     
  8. blessings1010

    blessings1010 Gold IL'ite

    Messages:
    428
    Likes Received:
    678
    Trophy Points:
    173
    Gender:
    Female
    Hi, I bought medical insurances from both India and here. I personally preferred to do it before parents came here, because my mom is diabetic. Dad is quite healthy. But when they came here, dad got sick due to weather change. Thankfully insurance covered visits to specialist ( i had to pay $100 copay) and medicines. I tried claiming for one doctor visit where they did not take travel medical insurance in their office but asked me to submit claims to direct insurance company. It didnt come through well. I had to follow up but then by that time he left for India so I did not bother following up later.

    I chose accidental coverage and lost baggage coverage both times just to be on the safer side.
    Hope I am not too late in responding and it helps!
     
  9. ravioli1970

    ravioli1970 Bronze IL'ite

    Messages:
    146
    Likes Received:
    36
    Trophy Points:
    48
    Gender:
    Female
    thank you for the info any particular insurance company that did not give any trouble with claims. of course i do like to read the fine print and about how much did it cost u monthly if u don't mind
     
  10. blessings1010

    blessings1010 Gold IL'ite

    Messages:
    428
    Likes Received:
    678
    Trophy Points:
    173
    Gender:
    Female
    I paid only once for both the insurance. I don't remember the exact amount. But the last one (HCC medical insurance- visitor secure) about $550 per person for visitor medical insurance. HDFC ergo was in 15k INR range, again numbers depend on the the age of parents, their health condition and the duration for which the insurance is taken. My folks were here for 5 months, age about 59-62 and healthwise ( dad- perfect health, mom-diabetic with no insulin dependency). These numbers are from 2013-14, so they may vary in this fiscal. Please do check the latest ones.
    Hope this info helps!
     

Share This Page