Medical Insurance for Visitors to USA from India
Whether your Indian parents traveling to the USA are visiting for the 1st time or the 15th time- it is important to purchase a visitor health insurance policy for them. Visitor Health Insurance, known as visitors insurance or travel medical insurance- is a type of short-term health insurance for visitor. After you get their visa, and book their tickets- the next step is to enroll your visiting parents in a visitors insurance plans.
It is true that most Indian parents have pre existing conditions. It's been found that Indians have the highest prevalence of Type II Diabetes and Blood Pressure. Most visitor medical insurance do not cover any existing medical conditions, instead only covering the "acute onset of pre-existing conditions." Acute Onset means the plan will only cover in emergencies. However, no insurance company defines what an Acute Onset of Pre-existing conditions is- leaving them room to deny your claim. If you buy an acute onset plan- you are risking the your parents health and your wealth.
Visitors insurance for parents with pre-existing conditions is available however. The INF Elite & INF Premier treat all pre-existing conditions. You don't have to worry about "if and but" clauses in our policies. We really do treat pre-existing conditions like new sicknesses. This means you will be able to to go urgent care, doctors office, and specialist visit for your visiting parents with pre-existing conditions. There's no other visitors insurance which covers pre-existing conditions for Indian parents.
Health Insurance for Visiting Parents FAQ
What is the best insurance for Visitors to USA from India?
Parents visiting from India should always try to enroll in a Comprehensive Visitors Insurance plan by an American based company, such as INF. Most people are attracted to cheaper plans called "fixed benefit" plans, which offer limited coverage for Indian parents. Most fixed benefit plans will cap out paying benefits, leaving you exposed to tens-of-thousands of dollars in medical bills.
How soon should I enroll my Indian Parents in Visitors Insurance?
We recommend you buy visitors insurance for your parents traveling from Indian as soon as your visa appointment is booked at the US consulate. Recently, the Trump administration proclaimed that new immigrant visa applicants provide proof of health insurance, to offset some of the out-of-control healthcare costs faced by those living and visiting the United States. International travelers, such as parents visiting from Indian, should also feel the need to provide health insurance, as this may influmence the consulates decision to grant a visa to your visitor.
Applying for medical insurance for visitors to USA from India is a simple as visiting our application page. Our application can be completed in literally less than 3 minutes. INF Medical Insurance for visitors only requires Name, Date of Birth, and Passport Number. INF does not ask for any medical records or patient health history if you apply before they arrive in the United States.
Indian Parents should enjoy their US Travel
Why shouldn't I purchase insurance from an Indian company?
Often times, travel agents will sell visitors insurance plans to family members in India. First- travel agents have no qualifications on knowing what is the right plan from your parents. But more on that- the fact that they are able to sell insurance to your unsuspecting Indian parents tells you a lot more about India's Insurance industry. Indian Companies are not regulated by the United States, and Indian agents are also not held accountable by any state insurance authority.
Why do I need insurance for parents visiting USA from India?
As you may know- the cost of a large medical bill can bankrupt a family. In fact- over 79 million Americans have some sort of medical debt, and 2/3 of those who file for bankruptcy in the United States do so because of large costs that a medical emergency brings to their family.
If you submitted paperwork to the US State Department claiming you are a sponsor for your visiting parents- you may be liable for these large medical bills. Moreover- unpaid medical bills may impact your parents visa application or visa status next time they try to enter the United States.