If you are working and living in the US, you must be missing your parents back home in India. As it is not always possible for you to go home and visit them, a good idea is to have them visit you in the US. It is a wise option to go for a health insurance for parents visiting from India, to protect them for the period of their stay with you.
Just because your parents are with you at home does not ensure that their trip is risk free. There could be an illness, minor injuries or auto accidents. Unforeseen medical expenses from accidents and sicknesses incurred during their visit can be covered by good travelers insurance for USA.
A health insurance plan for your parents will save you the anxiety of possible hospital bills. Also, one need not depend on the insurance companies back home in India to reimburse your medical bills. Health insurance for parents from India covers medical expenses, surgery, and intensive care besides prescription drugs. It also includes accidental death & dismemberment and sending of mortal remains back home, in case they pass on when visiting you.
Today, there is plenty of choice and flexibility in helping you choose the right travelers insurance for USA for your parents. These health plans offer many levels of coverage and can be purchased at anytime, even online. All you need to do is fill out an online application that will be used to furnish the travel insurance policy document. After the completion of the online transaction, the policy document with the insurance ID card and plan certificate is emailed to the customer’s address.
Typically, health insurance plans offer benefits such as hospital expenses, doctor’s fees and emergency medical expenses. These plans offer various limits of coverage from $50,000 to $1, 00,000. Usually, two types of travelers insurance for USA travel are offered: (a) Scheduled Benefits Plans and (b) Comprehensive Coverage Plans.
Scheduled Benefits plans are economical and offer basic coverage. In this type of plan, each medical service is covered only up to a set limit. Though the premium is pretty low in this plan, the coverage offered is also quite low, compared to the Comprehensive Coverage Plan.
Comprehensive benefits plans, on the other hand, provide a higher degree of coverage than the scheduled benefits plan. They do have a relatively higher premium and a higher deductible, but offer better benefits. They also have a deductible and sometimes a co-insurance, but the coverage is total-that is, each medical service is covered up to the plan maximum.
With the wide range of options available, it is easy to go with the right health insurance for parents visiting from India and make sure that their stay is stress free for you and them!
Miranda Parker frequently writes about travelers insurance for USA and health insurance for parents visiting from India.

