[NetfreakBombay]

Originally Posted by GTO

Not so. Some US States recognise the IDP ONLY, while others (surprisingly) accept the regular Indian driving licence ONLY. I usually carry both.

Thats strange, which state accepts IDP only? Indian license worked for me in NY/NJ/CA.

Will have to keep this in mind when visiting one of these states.

[Max]

Originally Posted by Gandhi

Hi,

I am traveling to US for about a month and a half. Need a travel insurance for myself. Looking at policybazaar.com, I am very confused about what to buy.

Please help.

do not travel in united states without travel insurance

while i was in USA i bought travel insurance from http://www.insubuy.com. USA hospitals will not accept cashless settlements if you are buying travel insurance from Indian company.

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Indian insurance companies will give you tough time releasing your claim. I highly recommend buying travel insurance from united states based company while traveling to usa. I bought travel insurance from atlas America through http://www.insubuy.com with zero deductible (they will pay all). Do buy zero deductable, it will cost you only few dollars more but you don't have to pay anything else you will have to pay first deductable dollars and rest it paid by insurance company. (example you suffered fracture and if it cost you $2500 and you bought policy with $1000 deductable then you will pay $1000 and insurance company will pay $1500 but with zero deductible insurance company will pay $2500).

ATLAS AMERICA is under HCC Medical Insurance Services (HCCMIS)
HCC Medical Insurance Services (HCCMIS)

You can also call http:/www.insubuy.com (number on their web site) to verify they are there in case you need. I actually called them to check if they are there before actually buying insurance from them. Once you buy insurance from them they will send you electronic ID which will have your policy number and emergency contact information, which you can carry with yourself, in case of any emergency, authorities will contact your medical insurance provider. I suggest you provide exact name as on your passport while buying insurance and also write emergency contact numbers in united states and India on back side of your insurance id slip.

They will also give you payment receipt etc., for taxation.

I did not need any medical assistance hence can't tell you about experience.

here is insurance ID sample

[Guite]

There is no specific travel insurance thread for other countries. Instead of starting a new thread let me add my question here.

I am traveling with my family to SE Asia this month. Is Tata AIG cashless (no response from them yet)? Which is the best policy / policy provider?

[revv_maniac]

Originally Posted by Max

do not travel in united states without travel insurance

while i was in USA i bought travel insurance from http://www.insubuy.com. USA hospitals will not accept cashless settlements if you are buying travel insurance from Indian company.

@ MAX, GTO and all others whose parents travel to USA frequently or have done in the past :

My brother stays in Portland, Oregon. My parents are visiting this month end. Last year when my mom went there, we took reliance without much research .It was pathetic to say the least. A simple knee treatment was not covered by them and my brother had to shell out close to a Grand but reimbursed Rs.2100 for a dental treatment. after constant persuasion and threats from my father saying he would file a case in the consumer court and complain to IRDA, we got a cheque for Rs.2000.

I would like to avoid this and people out there please help me out buy a best insurance policy for travelling to US for my mom and dad who are 52 yrs and 62 yrs old respectively.

Thanks in Advance

[Max]

Originally Posted by revv_maniac

@ MAX, GTO and all others whose parents travel to USA frequently or have done in the past :

A simple knee treatment was not covered by them and my brother had to shell out close to a Grand but reimbursed Rs.2100 for a dental treatment. after constant persuasion and threats from my father saying he would file a case in the consumer court and complain to IRDA, we got a cheque for Rs.2000.

Usually, Many things are not covered under travel insurance and they will make it hard, if you file a claim. Its primarily designed to cover eventualities during your travel like accident and normally do not cover existing conditions. Go through your insurer documents carefully or may be call them in case you have specific queries.

IMO, If you have problems paying $50-$1000 (Rs.2,500 to Rs.50,000) yourself then consider not traveling to different countries because insurance may not cover everything.

If you are in united states and your parents are visiting you, then I will highly recommend you to go for US based insurer as you can pursue the matter yourself in united states where its easy to get justice. If you buy insurance from US provider you may also have cashless coverage in many hospitals.

[Rameshdude]

Friends,
My mother in law ( 65 yrs )is travelling to US for 120 days. Which is a good insurance company to take the policy. I checked with Tata AIG, the premium comes to 22,000/ for one lakh $ coverage.
Thanks in advance

[shankar.balan]

Originally Posted by Rameshdude

Friends,
My mother in law ( 65 yrs )is travelling to US for 120 days. Which is a good insurance company to take the policy. I checked with Tata AIG, the premium comes to 22,000/ for one lakh $ coverage.
Thanks in advance

Try Star Health Insurance.
Also, recently I think that New India Assurance has started some policies for the older generation without an age upper limit.

[JMaruru]

Originally Posted by Max

ATLAS AMERICA is under HCC Medical Insurance Services (HCCMIS)
HCC Medical Insurance Services (HCCMIS)

You can also call http:/www.insubuy.com (number on their web site) to verify they are there in case you need.

I did not need any medical assistance hence can't tell you about experience.

My father(77 years) is diabetic and would be traveling to US for 3 months. Could you please let me know a insurance service provider who can cover pre-existing diseases?

We would be carrying his medicine for around 3 months. Can we top up his medicines in US, if we carry the medical prescriptions from here? Can he get similar insulin formulations out there?

Please advise.

[Max]

Originally Posted by JMaruru

My father(77 years) is diabetic and would be traveling to US for 3 months. Could you please let me know a insurance service provider who can cover pre-existing diseases?

We would be carrying his medicine for around 3 months. Can we top up his medicines in US, if we carry the medical prescriptions from here? Can he get similar insulin formulations out there?

Please advise.

I don't think anybody will cover pre-existing conditions, however I recommend you call and talk to them directly about this.

[sindabad.sailor]

Was searching for an appropriate thread to post a query on interpretation of pre-existing medical condition for an international travel insurance purchase.

I was reading fine print of couple of insurance companies. The interpretation of pre-existing medical condition seems to be any medical history in preceeding 48 months period.

Thus for a visitor having undergone coronary bypass surgery 10 years ago and since then being on blodd pressure medicines, the pre-existing condition actually is just high blood pressure.

Need to know if above interpretation is logical / legal.

Mods: Thought this was the best thread hence posted here. If more appropriate on some other thread, please shift it there.

[Latheesh]

Need a help!

My family is traveling from Germany to India next week and looking for travel insurance for our Germany->India travel. I cannot buy it from Indian insurance companies as they issue insurance only to the people traveling from India. I tried bajaj allianz, bharti axa and result is same.

Can anyone help?

[Lobogris]

Originally Posted by Latheesh

Need a help!

My family is traveling from Germany to India next week and looking for travel insurance for our Germany->India travel. I cannot buy it from Indian insurance companies as they issue insurance only to the people traveling from India. I tried bajaj allianz, bharti axa and result is same.

Can anyone help?

Healthcare in India is not very expensive. If the visit is for a short time, just self insure and take a small risk. Most common doctor visits in India cost less than Rs 5000 including tests and medicines. You can see a doctor for less than Rs 1500 in top hospitals places including specialists. If a person is hospitalised for say a broken limb, it sets you back by 20 to 50k only. Similarly a surgery costs around 50k to 300k even for serious issues. So it is just a matter of shelling out a few hundred to few thousand Euros in the worst case scenario. So I wouldn't waste time worrying about it.

[Turbanator]

Originally Posted by Latheesh

My family is traveling from Germany to India next week and looking for travel insurance for our Germany->India travel.

If they are EU citizens, they should buy from Germany. If they are Indian residents, they can buy any Medical insurance plans but these maybe for one year and a lot of diseases are not covered in first year. Currently there are some COVID-19 specific plans from National Insurance and others. So, you should research plans. If some offer option of monthly or quarterly premium, pick that one and continue until your family is here.

[rajesh1868]

My mother is in UK on a visit since feb and her insurance had lapsed. Now I am trying to renew it. Since I had taken the original policy through religare, i tried purchasing with them and paid the amount through credit card (Standard Chartered).

I am yet to get my policy doc and as per religare, they don't see my payment details and asked for statement. When I contacted my SC, they mentioned that it was released after 2 days and provided the txn ref no which I provided to religare but they kept insisting for a statement which I was able to provide once it was generated.

But even now they are giving standard replies and in between still ask me for the statement.
When I call the customer care, my call gets disconnected as soon as i present my case.

Tried escalating through the facility provided in their portal, but that too has been not helpful.

What is the best approach now considering the insurance end date is on Sep 31? Complaint with the ombudsman? or requesting refund with SC? Will they provide that?

[s4ch]

Reviving this thread.

I may have to travel to the UK urgently, and want to ensure we have adequate travel insurance especially in case of getting Covid etc.

Any recommendations on Indian travel insurance companies who give no hassle to claim and are easy to deal with? Price of the insurance is not really a worry. I'm talking about making a claim only in case of getting sick or hospitalised, not treatment for existing conditions etc.

Any help would be much appreciated. Thanks.