How to arrange finance for medical treatment in India
Whether you are looking to have potentially life saving procedure performed or are looking for some quality dental work or a cosmetic surgery, cost along with quality is critical. Because of the significant cost advantage of medical treatment in India, out of pocket payment may be within reach for procedures that would be in the US or Europe.
If you have health insurance you should contact them to see what, if any, international coverage is provided for medical treatment in India. For now there are very few medical insurers who will pay for services provided outside of their home network and country of operation.
Even while you should anticipate having to cover most or all of these costs on your own, you should nevertheless contact your medical insurer to see whether a necessary medical treatment in India can be fully or partially covered.
Be sure to determine ahead of time whether or not the condition being treated can be considered a "pre-existing condition" by your insurer, as they will not cover it if defined as such.
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Because of the current insurance system the result is that the vast majority of patients seeking health care treatment overseas finance it themselves.
If this is your scenario, you need to carefully consider, compare, and calculate the various costs that will arise in your medical travel.
In addition to the cost of your health care procedures, these costs may include: Cost of passport and/or travel visas. Travel: Flights, airport pick-up, travel to-and-from medical provider Accommodations Food and drink Tips and gratuities Visa costs Calls and other correspondence with family at home Medications or medical supplies (crutches, etc.) for use during post-procedure recovery time.
Depending on the type of medical treatment planned in India the judicious use of a credit card may be the way to go. There are financing companies in India that specialize in loans for medical procedures both elective and non elective. Their interest rates tend to be similar to a credit card.
In certain cases the role of family, friends and community should not be ignored. Fund raising for a few thousands of dollars for a needed procedure versus tens of thousands is much easier.
Some medical treatments available in India are: click here
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Below are the downloadable links that will help you to plan your medical trip to India in a more organized and better way. Attached word and pdf files gives information that will help you to know India more and make your trip to India easy and memorable one.