Is there a Zero Deductible/0 Deductible Travel Insurance Plan available for people travelling from India?

Question

I have just travelled from Indao abroad to Singapore and had to visit the doctor as I had some severe cold. I had bills of Singapore Dollar 100 totally including doctor's fees and prescription drugs.When I gave these bills to my agent in India for a claim, he said that upto US $100 bills are not claimable. I found this ridiculous. Is there a plan available where I can claim everything and dont have a deductible - a higher premium is fine.

Answer 1

Yes there are Zero [0] Deductible Travel Insurance Plans available for Indians travelling abroad. These plans are ofcourse not of Indian Insurance Companies but of Insurance Companies in the USA.

Remember, taking Travel Insurance from any country is fine, as finally the claim is settled. So if you buy a USA Insurance Companies Travel Insurance policy and go abroad or an Indian Insurance Companies Travel Insurance policy it does not matter.

To buy USA Insurance Companies Travel Insurance you can visit websites like: http://usa.insurancemall.in

[Here you can print your policy online with Medical Cards.]

Ofcourse Zero Deductible plans are expensive than the regular $100 ones by about 20%, but then they are a complete cover.

For e.g. a cover from India to Singapore for a week would cost Rs. 400 for a $100 deductible and Rs. 600 for a Zero deductible plan. So by paying Rs. 200 extra you have covered yourself for approx Rs. 4200 of deductible - which is a good bargain.

So go for the Zero Deductible coverage. It makes sense