Your parents visiting the USA from India is a pleasingly rewarding experience. Their health is always a top priority for sure. If your parents are visiting the USA from India, make sure to cover them for health insurance. With the highest healthcare cost in the USA, falling ill or becoming injured would be highly expensive. Depending on the severity of illness or injury, the cost of visiting an emergency room or urgent care in the USA ranges from $150 to $1,000,000. For emergency evacuation, you might have to spend $25,000. Therefore, if your parents are traveling to the USA from India, it is a must to buy the Travel Medical Insurance for them.
Understand 3 basic terms of the U.S. healthcare
Insurance policies and healthcare terms differ from country to country. If you are getting a Visitor’s Insurance for your parents, familiarity with travel insurance and the U.S. healthcare terms helps you choose the best suitable plan. Common visitors insurance and the U.S. healthcare terms are:
- Deductible: An amount you need to pay before the company starts to pay for your parents’ healthcare. For example, if $1000 is your deductible, you need to pay up to this amount for medical fees.
- Copayment or copay: a fixed amount you pay at the counter of healthcare when you receive a service for your parents. For example, if $30 is your copay for in-network doctors, you will have to pay only $30 regardless of what the doctor charges. You will pay $30 each time your parents take a certain service.
- Coinsurance: it is similar to copayment, but you will be liable for some specific percentage of the total medical fees. For instance, if your coinsurance is 20%, you will pay 20% of total medical fees each time your parents take a certain service.
Fixed coverage plans vs. comprehensive coverage plans
Following comparative chart shows the difference between fixed and comprehensive coverage plans:
|Fixed plan||Comprehensive plan|
|Coverage||Predetermined limit of benefits for medical emergencies||from $50K up to $5 million or higher after the deductible and up to the policy maximum|
|Best for||Healthy visitors planning to stay in the USA for a short time||Visitors with pre-existing conditions|
Importance of pre-existing conditions coverage
Pre-existing conditions are the health conditions existed before the travel insurance policy of your parents became effective. The conditions include high blood pressure, asthma, diabetes, heart disease, and other chronic diseases. Before purchasing travel insurance for your parents, it’s important to know if they have any pre-existing conditions so that you can buy the best suitable plan. A comprehensive travel insurance plan covers your parents for acute onset of pre-existing conditions. For example, if any of your parents have suffered heart, he/she would be required to take regular medication to qualify for acute onset coverage. Acute onset of pre-existing conditions of your parents is covered for age under 70 up to the policy maximum. For the age group 70-79, your parents are covered up to $100,000 or the policy maximum, whichever is lower.
G1G provides the best travel medical insurance for your parents visiting the USA from India. We guarantee that your parents receive the top-notch health care service they deserve by absorbing the high medical care cost in the USA. Taking care of your parent’s health is the best way to show them how important they are to you.