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DO NOT GET INSURANCE FROM INDIA. THEY WILL NOT PAY YOU.
For every illness, they will either classify it either as pre-existing or
something which can be delayed until visitor's return to India. The people in their Florida office will go back and forth
between their own paperwork, paperwork from their UK office and paperwork from doctor/hospital. They will delay
it so much that you will get frustrated and return back to India as your illness can't wait for all that.
They will say it must be pre-existing
even after visitor has gone through all the necessary tests from doctor in India and everything was found
normal and no illnesses were excluded in the policy. That way nothing would be covered. If someone detects Cancer
after coming here, they can say this must happening internally for many months and it is not instant.
If someone has heart attack, they can say arteries do not clog overnight. You must be eating fat/cholestrol food
many years and hence pre-existing. If someone has tooth ache, they can say cavities do not form overnight and hence
pre-existing.
They don't trust doctor's report in India and want similar
report from US doctor done immediately upon arrival. This is clearly not the requirement while purchasing the
insurance in India.
And for others they will say it can be delayed until going back to India. Well some illnesses can be delayed, but
then that illness go worse and the patient will have to suffer more because of delay.
In short, getting insurance from India is equivalent of not getting it.
Following are the details to get the medical insurance from
India.
In India, Life Insurance policies are issued by Life Insurance
Corporation of India (LIC) and all other types insurances are
issued by General Insurance Corporation of India(GIC). GIC offers
the overseas mediclaim policy called 'Videsh Yatra Mitra Policy'.
Please note that GIC has four subsidiaries in India. They are
called:
(Note: Many times above sites are slow or down. So please be
patient.)
You can take overseas mediclaim policy from any of four companies
above listed. The rate for the same person and for the same
duration would be same, no matter which company you select out of
those four.
You can find details about the insurance policy, coverage limits
and different plans in National Insurance
Policy document.
What will policy not pay?
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Any diseases existing / treated prior to one year of
commencement of risk whether declared or not.
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For children aged 5 and under treatment relating to :-Mumps,
chicken pox, measles, German measles, spina bifida, whooping
cough, Diphtheria, Poliomyelitis, menimaitis and scarlet fever.
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Involving travel against medical advise, travel for treatment,
terminal prognosis or awaiting special treatment.
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Cosmetic surgery, pregnancy related costs, AIDS.
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War perils, nuclear perils.
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Suicide or attempted suicide.
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Benefits recoverable under any other policy like motor, WC or
public assistance scheme.
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Examination or treatment in India or expenses incurred outside
country of study or postings(This does not prejudice emergency
evacuation on medical grounds)
The premium for the insurance is paid in Indian Rupees in India
and the claims are paid in foreign exchange(in US Dollars while
visiting US). The claims are paid by Mercury International
Assistance and Claims Ltd.
The amount of premium the person has to pay depends upon the
Insurance Plan taken, duration of trip, destination country,
person's age and the medical history of the person.
Premium Rate Table
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