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Medical/supplemental insurance for India

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I really should know better considering how many trips we've taken and how many times we've gotten trip insurance. But, lately, we haven't been purchasing it...mostly because we just haven't been able to justify the expense.

But given that India is coming up -- and how much greater the risk for getting ill there is -- I am reconsidering the option this time.

The biggest issue is the cost: it's almost 2x what we normally pay for a trip of this length to anywhere else in the region. I'm guessing the premiums are higher for India because it's universally known that the chances for illness run quite a bit higher there than most places?

Anyway, I started looking at what my insurance covers already and can't tell if it's good or not: foreign claims are obviously considered out-of-network and they will cover up to 80% of eligible expenses (with a $1300 deductible) -- and ER visits are considered 'eligible' so long as you're not admitted for in-patient services...then the ER visit is considered an inpatient benefit and not covered.

I guess the question is: even if an external travel policy is purchased, you're still paying out of pocket upfront, right? So does it just come down to who covers more? Out of pocket costs, I'm assuming are still stiff no matter which path one pursues.

Thanks in advance for the advice. I'm hoping that folks with a ton of experience in this area (Kathie, are you there?) can chime in. I'm not anticipating illness, but I feel I'd be naive not to prepare for it on this particular trip.

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