MY WIFE & ME ARE TO TRAVEL TO UK IN DEC 08. LIKELY DURATION OF STAY 4 MONTHS. WE WISH TO GET MEDICAL INSURANCE FOR THE DURATION OF STAY & JOURNEY. WHAT ARE THE OPTIONS? COL SINGAL CELLPHONE-98994 68999
Hello, My son is studying in the USA. I want to take health insurance for him. Will any one guide me which Compant in India offers the best policy for an Indian student in the USA.
NHS covers everything for everyone irrespective of nationality as long as you have a legal permission to live in UK for short and long durations other that a tourist visa.
Secondly, I had very bad experiences twice with different overseas medical insurance policies taken from India. Deductible is too high and in many cases process is not straightforward as you have to pay the money upfront for treatment whereas an insurance taken in foreign country is quite streamlined where it is a routine matter between concerned hospitals and insurance providers. The only precaution to take while taking these policies is to make sure what is covered and what's not.
This article is definitely more of an advertorial than anything else.
I only see disadvantages in taking insuarence in India. For many students paying the bill upfront is not at all possible. Then comes the troubles of claiming it. Apart from this informing the insuarence company in advance is not possible when you have first to see a doctor to confirm your illness. Who will pay the outpatient visits. On the other hand an insuarence from the coutry of visit enable the students to visit the physician or specialist doctor without being paid and pay less hospitalisation benefits. Here in Germany many had to take in the end an insuarence from here.
