Comparison of Visitors Medical Insurance Coverage from Companies in the U.S. vs India

You can purchase visitors medical insurance from companies based in your home country (such as India) or from companies in the U.S. Generally, the cost of medical insurance from an American company is higher, although it is still the preferred insurance to purchase. As demonstrated in the comparisons below, American insurance has many advantages.

The following table provides a detailed comparison of the various issues involving insurance products available from companies in the U.S. and India. Please keep in mind that this is a generic discussion. There may be exceptions to the offerings of products in both countries (and all the products from a given country do not work the same way). You should review all the details of any insurance plan you are considering before purchasing it (i.e. any brochures, policy wording, comparisons between plans and information from your representative).

Most of the information below regarding Indian companies was taken from the Web sites of various companies, as it existed as of writing this, and it may change in the future in case any of the companies revise their products. The information is also based on our personal experiences in dealing with these companies on a trial basis during previous visits to India, professional experience dealing with many customers on a daily basis, and from reading the discussion forums and experiences section on this Web site. The information is not targeted towards any specific company or product.