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Traveling from India to the United States is an exciting experience, especially for parents visiting their children. However, healthcare costs are exorbitant in the USA, and it’s essential to have health insurance cover to protect your parents against any medical emergencies during their stay.
Why do Parents Need Health Insurance When Traveling from India to the USA?
Medical expenses in the USA are some of the highest globally, ranging from expensive consultation fees, diagnostic tests, hospitalization, and even prescription medication. Without adequate medical coverage, these costs can easily wipe out a family’s savings. Additionally, Medicare, the primary insurance program for the elderly in the USA, only covers citizens and permanent residents, making it impossible for foreign nationals to receive medical benefits under this program.
What are the Benefits of Health Insurance for Parents Traveling from India to the USA?
Health insurance for parents traveling from India to the USA offers several benefits, including peace of mind knowing that your loved ones are protected against any medical emergencies. Here are some other benefits of having health insurance when traveling to the USA:
| Benefits of Health Insurance for Parents Traveling from India to the USA |
|---|
| 1. Covers medical expenses, including doctor consultations, diagnostic tests, and hospitalization fees |
| 2. Covers prescription medication expenses |
| 3. Provides access to quality healthcare facilities |
| 4. Offers assistance in case of medical emergencies, such as emergency medical evacuation |
Types of Health Insurance Plans for Parents Traveling from India to the USA
When it comes to health insurance for parents traveling from India to the USA, several options are available to choose from. Here are some of the most common types of health insurance plans:
Visitor’s Health Insurance Plan
This type of plan provides coverage for non-US citizens, including parents traveling to the USA for medical treatment or leisure. It covers medical expenses incurred due to sudden illness or injury, including emergency room fees, diagnostic tests, and hospitalization.
Travel Health Insurance Plan
As the name suggests, travel health insurance plans provide coverage for medical emergencies arising during travel. Besides medical coverage, this plan also provides benefits such as trip cancellation, trip interruption, and baggage loss.
Factors to Consider When Choosing Health Insurance for Parents Traveling from India to the USA
Before choosing health insurance for parents traveling from India to the USA, it’s essential to consider several factors to select the best plan. Here are some factors to consider:
Coverage
Ensure the plan covers all medical expenses, including consultation fees, diagnostic tests, hospitalization, and prescription medication.
Network hospitals
Ensure the health insurance plan has a tie-up with reputed healthcare facilities and hospitals within the USA. This ensures access to quality healthcare services without out-of-pocket expenses.
Premiums
Compare the premium rates of various health insurance plans to ensure you get the best deal. However, don’t compromise on coverage for lower premiums.
FAQs
1. Is health insurance mandatory for parents traveling from India to the USA?
No, it is not mandatory, but it is highly recommended to avoid any medical emergencies.
2. Can parents purchase health insurance after arriving in the USA?
Yes, they can. However, it’s recommended to purchase insurance before traveling to avoid any last-minute rush or complications.
Yes, under Section 80D of the Income Tax Act, you can claim tax benefits on health insurance premiums paid for parents up to Rs. 50,000 per annum.