Visitors traveling from India to the U.S. should have health insurance, a recommendation for all travelers to avoid complications in case of health emergencies. It can be expensive to purchase travel insurance; however, after the growth of visitors due to the pandemic, many insurers have begun to offer quality insurance at a good price.
It is common knowledge that medical care in the United States is expensive, so it is advisable to purchase insurance capable of covering any medical problem on your vacation or work visit.
Top three health insurances for visitors to India
Having medical insurance before entering the U.S. is essential to have an effective solution in case of health issues during your stay in the country; here, you will find some of the best insurance. We will discuss their features to help you make the best choice.
Atlas America Medical Insurance
Atlas America travel insurance has excellent benefits for your medical expenses, and it also offers some plans for emergency travel and accidental death coverage. Among its options, you will find possibilities for complimentary trips, checked and lost luggage during the flight, and in case of loss or theft of passport/visa.
According to the policy, the maximum available for now is $2,000,000. As for the acute onset of any medical condition, coverage is maintained for those under 80. Cruises, emergency eye exams, and theme park activities are among its ranges.
Patriot America Plus Medical Insurance
This company’s medical insurance is known for its low cost, ideal for visitors from India who wish to spend a few days with their relatives in the U.S. Available policies range from $50,000 to $1,000,000. Deductibles vary from $0 to $2,500.
You can buy the insurance from 5 days to 2 years if necessary; purchasing it is as simple as accessing their online page and following the instructions. Acute onset of any pre-existing medical condition is covered for people under 70 years of age.
The co-payment for emergency care remains at $25, while the co-payment for a walk-in clinic is $15.
Safe Travels USA Medical Insurance
One of the reasons it is one of the best health insurance providers for visitors to India is that its plans cover people up to age 89. It is a participant in the First Health PPO network, one of the most widely recognized in the United States.
However, you can also go to hospitals or medical services outside the PPO network. In these cases, the charge in PPO centers is lower because you will only pay the negotiated rates of the network. Their deductibles are very low, ranging from $0 to $5,000.
In case of acute onset of pre-existing medical conditions, the insurance can cover policies up to $25,000 for people under 70. When individuals are over that age, coverage extends up to $35,000.
It has a unique feature among all health insurance options, and that is that a wellness visit will be covered up to $75 when you purchase the insurance for at least 30 days. If you take advantage of this benefit, you can do so for 21 days from the time it begins.
In case of short trips, do you need medical insurance?
The recommendation is to purchase it even if the trip is for a week, you do not know when you may have health complications, and the U.S. is one of the countries with the most expensive health system. If you do not purchase insurance, you may find yourself in serious trouble as you will not be able to pay your medical expenses in case of accidents or spontaneous illnesses.
Our final recommendation is to spare no expense. Invest in good insurance and enjoy your trip.