Care travel insurance Care travel insurance for Indians visiting USA

Care travel insurance online - Quotes
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Pre-existing disease?
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Care Travel Insurance

Care travel insurance USA - Overview

The Indian community in the USA has grown significantly in the recent past thanks largely to the number of Indians who have gone to the US for their higher education and for work in the IT industry.

These Indians have a strong bond with their friends and families back in India. As a result of this, very often parents, senior citizens, relatives and other family members visit the US. Thanks to the growing Indian middle class, a number of Indians also travel to the United States for vacations.

The duration of their stay could range from a few weeks to a few months. These traveling Indians however while in the US are exposed to a completely different environment and are prone to fall sick or even have an accident.

While they are focused on their the trip or enjoying their vacation, facing adverse medical circumstances can be very disturbing. Healthcare in any US hospital while sophisticated is extremely expensive. Without the best visitor medical insurance, Indian visitors can have the difficulty in seeking good medical treatment. Indians can buy Care Explore international travel health insurance to insure oneself against medical expenses while in US.

Indian tourists travelling overseas can get Care travel insurance quotes online using the Care travel insurance premium calculator. Indian tourists can also fill the Care travel insurance proposal form online. Indian international tourists can buy Care travel health insurance online either using the Credit Card purchase, Net banking, UPI, Mobile wallet or Cheque payment facilities. Please read through Care travel insurance brochure for complete benefits covered by the plan and its policy wordings which includes the terms and conditions.

Travel insurance highlights

assignment
Sum Insured

USD 50,000 / 1 Lakh/ 3 Lakhs/ 5 Lakhs

lists
Coverage period

180 days (can be extended for further)

person
Eligibility

1 day to 90 years

Popular tourists destinations in USA

New York City
New York City

The City of New York, often called New York City or simply New York. New York City comprises 5 boroughs sitting where the Hudson River meets the Atlantic Ocean.

San Francisco
San Francisco

San Francisco, in northern California, is a hilly city on the tip of a peninsula surrounded by the Pacific Ocean and San Francisco Bay. It's known for its year-round fog, iconic Golden Gate Bridge, cable cars and colorful Victorian houses.

Las Vegas
Las Vegas

Las Vegas, in Nevada’s Mojave Desert, is a resort city famed for its vibrant nightlife, centered around 24-hour casinos and other entertainment options.

Los Angeles
Los Angeles

Los Angeles is a sprawling Southern California city and the center of the nation’s film and television industry.

USA travel Insurance  USA - General information

location_on Location

North America

things_to_do Capital

Washington, D.C.

attach_money Currency

United States Dollar

schedule Best time to visit

Spring and Autumn

group_add Population

32.57 crores

language Language

American English

explore_nearby Vacation spots

New York City, Los Angeles, Chicago, Las Vegas, Washington, D.C., Yellowstone, San Francisco, Jacksonville, Savannah, New Orleans, Asheville, Hawaii, Florida, Redwood National Park.

Care USA travel insurance plans details

  • Geographical scope
    Worldwide / Worldwide excluding US and Canada Worldwide / Worldwide excluding US and Canada
    Sum Insured
    USD 50,000, USD 100,000, USD 300,000 & USD 500,000 USD 50,000, USD 100,000, USD 300,000 & USD 500,000
    Hospitalization expenses
    Yes Yes
    In-patient Care  Deductible: US $100 / € 75
    Up to SI* Up to SI*
    PED (Life Threatening Condition)  Deductible: US $100 / € 75
    10% of SI* 10% of SI*
    Additional SI* for Accidental Hospitalization  Deductible: US $100 / € 75
    Yes, up to 100% SI* Yes, up to 100% SI*
    Out-patient care  Deductible: US $100 / € 75
    20% of SI* 20% of SI*
    Daily Allowance  Deductible: 2 days
    US $25 per day, max 5 days US $25 per day, max 5 days
    Compassionate Visit
    - US $5,000
    Return of Minor Child
    - US $2,000
    Upgradation to Business Class
    US $1,000 US $1,000
    Dental Expenses  Deductible: US $100 / € 75
    US $300 US $300
    Personal Accident
    US $15,000 US $15,000
    Common Carrier Accidental Death
    - US $5,000
    Medical Evacuation
    US $10,000 US $10,000
    Repatriation of Mortal Remains
    US $10,000 US $10,000
    Trip Cancellation and Interruption
    US $1,000 US $1,000
    Trip Delay  Time Delay: 12 hours
    US $500 US $500
    Loss of Checked-in-Baggage
    US $100 US $100
    Delay of Checked-in-Baggage  Time Delay: 12 hours
    US $100 US $100
    Loss of Passport
    US $300 US $300
    Personal Liability Deductible: US $100 / € 75
    US $100,000 US $100,000
    * - Sum Insured

    Sub limit details are as follows:

    Sublimits are applicable for age 61 and above. However this sublimits are waived off / not applicable for travelers who buy a Explore Platinum plan
    Medical Expense Sub-limit
    Room Rent including boarding and lodging 1.5% of the sum insured subject to maximum of US $ 2,000 per day / € 1,500 per day
    ICU Charges 2% of the sum insured subject to a maximum of US $ 3,000 per day / € 2,250 per day
    Operation Theatre Charges
    (Including surgeon charges)
    10% of the sum insured subject to a maximum of US $ 20,000 per claim / € 15,000 per claim
    Ambulance Services US $ 500 per claim / €375 per claim
    Diagnostics and Radiology Services US $ 1,000 per claim / €750 per claim
    Medical Practitioners visit fees US $ 100, per visit / € 75 per visit subject to maximum of 10 visits per claim
    Miscellaneous Expenses US $ 1,000 per claim / € 750 per claim
    For the purpose of application of the above limits :
    (i) Surgery includes operation theatre charges, surgeon fees, implant charges and all other associated charges.
    (ii) Ambulance Services include cost of transportation of the Insured Person to the nearest Hospital and paramedic services.
    (iii) Miscellaneous Expenses includes but not limited to the cost of medicines, pharmacy or drugs supplies, nursing charges, external medical appliances as prescribed by a registered Medical Practitioner as necessary and essential as part of the treatment on actuals, blood storage and processing charges and any other services which are not specified above.
  • Care travel health insurance policy coverage

    medical_services
    Coverage for medical needs
    • Hospitalisation Cover - In-patient & Out-patient
    • Pre-Existing Disease Coverage
    • Double Sum Insured for Accidental Hospitalization
    • Treatment in Home Country
    • Medical Evacuation
    • Common Carrier Accidental Death
    • Dental Expenses
    • Daily Allowance for Hospitalization
    • 2-way Compassionate Visit
    • Accidental Death/Permanent Total Disability
    medical_information
    Coverage for non-medical needs
    • Trip Delay, Cancellation or Interruption
    • Loss/Delay of Checked-In baggage
    • Loss of Passport
    • Personal Liability
    • Return of Minor Child
    • Up-gradation To Business Class
  • Pre-existing conditions coverage under Care travel policy

    • Under life threatening situations, Care covers medical expenses for pre-existing diseases.
    • Covers critical diseases like Liver disease, Cancer / Tumor, Coronary Artery Heart Disease, Kidney Disease, Paralysis / Stroke
    • It is cashless if hospitalization is more than 24 hours
    • Reimbursement if hospitalization is less than 24 hours
  • Care travel insurance claims procedure

    Falck Global Assistance (24 hours assistance centre)

    • USA & Canada: +1 844 301 3135 / +1 844 301 3146 ( Toll Free)
    • Rest of the world: +91-124-4498760 (Call Back Facility)
    • Email: travelassistance@careinsurance.com
    • Fax: +91- 124- 4006674

    Care Health Insurance Limited , Vipul Tech Square, Tower C, 3rd Floor,

    • India: 1800 200 4499 (Toll Free & Accessible in India only)
    • Email: travelassistance@careinsurance.com
    • Fax: 1800 200 6677

    In case of Claim, notify Care health insurance immediately on any of the below touch-points for hassle free processing and speedy settlements.

    Be it Cashless settlement or reimbursement of medical expenses, Care Health Insurance Company delivers its promise of worry free experience! NRI Online Pvt Ltd markets Care Health Insurance company's various insurance products. However NRI Online Pvt Ltd is not responsible for any claims. Claims are settled directly by Care Health Insurance Company Limited.

Care Travel Insurance Plans - FAQ's

How much is Care travel insurance cost for the USA?

The cost for the USA travel insurance varies depending on the age of the traveler and the duration of coverage required. The older the traveler the higher is the cost. The longer the duration of USA travel insurance required, the greater will be the cost. You can get buy Care travel insurance for USA by getting free quotes on our website and then completing the Care travel insurance proposal form and buying the Indian overseas mediclaim policy online.

If you are applying for the USA visa, the consular authorities can ask you to have adequate travel insurance for the USA. However given the fact that your domestic Indian health insurance provides little coverage in USA, it is important for Indian travelers to buy good Care overseas travel insurance for the USA.

The Medical Cover component of your Care travel insurance : Covers your treatment and hospitalization if needed for an illness that happens during your travel. In the event that you need further treatment even after your return to India, the medical expenses for this ailment will be covered up to a period of 30 days or the policy end date whichever is earlier. There is an additional benefit in that the policy medical Sum Insured is doubled in the event of an accident (as opposed to sickness).

The Medical Evacuation component of the policy will covers the costs incurred for any emergency evacuation and transportation that is needed to transfer the insured to an appropriate medical facility within our coverage network.

The Personal Accident clause covers any adverse circumstance arising due to an accident, be it death or permanent total disability, while the insured is overseas.

A lumpsum payment of the Sum Insured in the event of accidental death of the insured while traveling on a common carrier/transport.

Dental Expenses: incurred in connection with any injury while on your trip are covered by the policy.

Care travel insurance is one of the most popular Indian travel insurance policy as it offers the following benefits:

  • Customized plans for different destinations.
  • Premium can be paid per day.
  • Covers declared pre-existing medical conditions up to 10% of sum insured.
  • Comprehensive Explore Platinum plan for travelers of all age group without any sublimits.
  • Double sum insured for accidental hospitalization medical expenses.
  • Upgrade to business class if the traveler cannot fly in economy class due to medical conditions.

One of the most popular US visitor medical insurance for Indians is the Care US travel health insurance. It covers travelers of all age groups up to 99 years. It has two plans namely Explore Gold and Explore Platinum with a wide range of maximum coverage.

The US government has in October 2019 introduced a rule which makes it compulsory for all new US immigrant visa applicants from November 2019 to have proper US health insurance in the United States.

This new rule will directly impact new US immigrant visa applications, such as for parents and family members of the Indians living in the United States. This compulsory US immigrant health insurance attempts to reduce the burden on the US health care system and on US tax payers by uninsured new US immigrants.

While this rule is focused on those applying for US immigrant visas, we are hearing from customers that even tourist visa applicants are being expected to have good travel medical insurance. The travel insurance plans offered here work well for tourists to the US. After buying this US travel insurance, customers will receive the travel insurance document by email.

Customers can use this travel insurance document as proof of travel health insurance in the US while applying for the US tourist visa. Given the high cost of US healthcare, it is in any case very important for all tourists to buy adequate US health insurance.

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