Health Insurance in India and Abroad

India.

Difference in the definition

In the USA, health insurance cover includes everything, starting from a visit to the doctor for something as small as fever, to hospitalization for the treatment of more serious diseases and operations. However, in India, health Insurance coverage is essentially limited to hospitalization. If an individual has to visit his family physician, the bill accrued therein, will not be paid for by the health insurance company. He will have to pay himself. But again, if this visit is within the 30 day pre/60 day post hospitalization, he will be paid.

A new law

In the USA, a particular law suggests that when an employee who is enjoying health insurance benefits with his current employer, resigns from the company, he will still be eligible to the health insurance benefit, for the time period until which he can find himself another job that will again give him a health insurance benefit. This means that for the period during which an employee remains unemployed, he still remains eligible for health insurance, as per US law, although not indefinitely and not unconditionally.

But the picture is different in India. Here, an employee gets the health insurance benefit only as long as he works for the company that voluntarily provides him with it. Once he resigns, he remains uncovered, unless he has a health insurance policy of his own. He can once again, get the benefit, if the next