I and my husband usually take Travel Insurance in India, when we visit our sons abroad. This is the fifth time we had taken the travel Insurance policy, paying a huge sum, since we fall in the 60+ and 70+ categories respectively.
It is all smooth talk and false promises, till the exchequer is handed out . The offer starts with the compensation for the loss of passport and goes on to "bringing back the mortal remains" of the Insured!
We had always taken the policy and by God's Grace did not have to undergo any treatment while in USA or file a claim for reimbursement, till our recent visit.
I developed severe tooth pain in June ( the middle of my six month's stay there from March to September). I put up with the pain shooting right into my brain ( so it seemed) for more than 6 weeks.
Firstly I did not want to disturb the busy routine of my sons and secondly I preferred to have the treatment done by my own dentist, after returning to India.
But when the pain became too much to bear and when I has to spend sleeplessness nights, I decided to have the tooth looked into,
The filling done in India had got fractured; the tooth had got infected and it had spread to the neighboring teeth also.
The fractured filling was removed and the cavity was refilled again. I decided to attend to the other teeth after landing in India.
Scores of reports, receipts, doctor's comments, case history, scan of the X ray, photo taken with the oral camera (and I lose count of all the things needed to prove that I got treated there) were submitted through e mail and also by speed post!
Now even part of the huge amount shelled by us in U.S.D will not be reimbursed - as it was a pre-existing condition.
Personally I feel that everything except DEATH, can be proved to be a pre-existing condition.
If I had gone to USA in March, with a tooth ache, only then it could be called as a preexisting condition.
So we could get not even a rupee from what we had paid towards our Insurance policies.
Well, if it is always going to be one way traffic ( from us to them ) and never the other way, why we should go for a policy in India?
I had heard reports that these policies carry no weight in USA. I had strongly defended them and now I have learnt the lesson the hard way.
A word of advice to the future travelers.
Never take the insurance policy here in India!
It is better to pay a little more in USA where you will be entitled to complete coverage.
It will save you the strain of shelling the medical expenses in U.S.D,
the tons of useless paper work, hundreds of phone calls and the finally the utter disappointment.