Coverage for life-threatening PED conditions##

Indian Student Life in the U.S.

Are you planning to pursue higher education at a reputed University in the US? If yes, here’s a depicition of what staying in the US as an international student looks like.

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+91
+91
🇦🇫 Afghanistan+93 AF
🇦🇱 Albania+355 AL
🇩🇿 Algeria+213 DZ
🇦🇸 American Samoa+1684 AS
🇦🇩 Andorra+376 AD
🇦🇴 Angola+244 AO
🇦🇮 Anguilla+1264 AI
🇦🇬 Antigua and Barbuda+1268 AG
🇦🇷 Argentina+54 AR
🇦🇲 Armenia+374 AM
🇦🇼 Aruba+297 AW
🇦🇺 Australia+61 AU
🇦🇹 Austria+43 AT
🇦🇿 Azerbaijan+994 AZ
🇧🇸 Bahamas+1242 BS
🇧🇭 Bahrain+973 BH
🇧🇩 Bangladesh+880 BD
🇧🇧 Barbados+1246 BB
🇧🇾 Belarus+375 BY
🇧🇪 Belgium+32 BE
🇧🇿 Belize+501 BZ
🇧🇯 Benin+229 BJ
🇧🇲 Bermuda+1441 BM
🇧🇹 Bhutan+975 BT
🇧🇴 Bolivia+591 BO
🇧🇦 Bosnia and Herzegovina+387 BA
🇧🇼 Botswana+267 BW
🇧🇷 Brazil+55 BR
🇻🇬 British Virgin Islands+1284 VG
🇧🇳 Brunei+673 BN
🇧🇬 Bulgaria+359 BG
🇧🇫 Burkina Faso+226 BF
🇧🇮 Burundi+257 BI
🇨🇻 Cabo Verde+238 CV
🇰🇭 Cambodia+855 KH
🇨🇲 Cameroon+237 CM
🇨🇦 Canada+1 CA
🇰🇾 Cayman Islands+1345 KY
🇨🇫 Central African Republic+236 CF
🇹🇩 Chad+235 TD
🇨🇱 Chile+56 CL
🇨🇳 China+86 CN
🇨🇴 Colombia+57 CO
🇰🇲 Comoros+269 KM
🇨🇬 Congo+242 CG
🇨🇰 Cook Islands+682 CK
🇨🇷 Costa Rica+506 CR
🇨🇮 Côte d'Ivoire+225 CI
🇭🇷 Croatia+385 HR
🇨🇺 Cuba+53 CU
🇨🇼 Curaçao+599 CW
🇨🇾 Cyprus+357 CY
🇨🇿 Czech Republic (Czechia)+420 CZ
🇩🇰 Denmark+45 DK
🇩🇯 Djibouti+253 DJ
🇩🇲 Dominica+1767 DM
🇩🇴 Dominican Republic+1849 DO
🇨🇩 DR Congo+243 CD
🇪🇨 Ecuador+593 EC
🇪🇬 Egypt+20 EG
🇸🇻 El Salvador+503 SV
🇬🇶 Equatorial Guinea+240 GQ
🇪🇷 Eritrea+291 ER
🇪🇪 Estonia+372 EE
🇸🇿 Eswatini+268 SZ
🇪🇹 Ethiopia+251 ET
🇫🇴 Faeroe Islands+298 FO
🇫🇰 Falkland Islands+500 FK
🇫🇯 Fiji+679 FJ
🇫🇮 Finland+358 FI
🇫🇷 France+33 FR
🇵🇫 French Polynesia+689 PF
🇬🇦 Gabon+241 GA
🇬🇲 Gambia+220 GM
🇬🇪 Georgia+995 GE
🇩🇪 Germany+49 DE
🇬🇭 Ghana+233 GH
🇬🇮 Gibraltar+350 GI
🇬🇷 Greece+30 GR
🇬🇱 Greenland+299 GL
🇬🇩 Grenada+1473 GD
🇬🇺 Guam+1671 GU
🇬🇹 Guatemala+502 GT
🇬🇳 Guinea+224 GN
🇬🇼 Guinea-Bissau+245 GW
🇬🇾 Guyana+592 GY
🇭🇹 Haiti+509 HT
🇻🇦 Holy See+379 VA
🇭🇳 Honduras+504 HN
🇭🇰 Hong Kong+852 HK
🇭🇺 Hungary+36 HU
🇮🇸 Iceland+354 IS
🇮🇳 India+91 IN
🇮🇩 Indonesia+62 ID
🇮🇷 Iran+98 IR
🇮🇶 Iraq+964 IQ
🇮🇪 Ireland+353 IE
🇮🇲 Isle of Man+44 IM
🇮🇱 Israel+972 IL
🇮🇹 Italy+39 IT
🇯🇲 Jamaica+1876 JM
🇯🇵 Japan+81 JP
🇯🇴 Jordan+962 JO
🇰🇿 Kazakhstan+7 KZ
🇰🇪 Kenya+254 KE
🇰🇮 Kiribati+686 KI
🇰🇼 Kuwait+965 KW
🇰🇬 Kyrgyzstan+996 KG
🇱🇦 Laos+856 LA
🇱🇻 Latvia+371 LV
🇱🇧 Lebanon+961 LB
🇱🇸 Lesotho+266 LS
🇱🇷 Liberia+231 LR
🇱🇾 Libya+218 LY
🇱🇮 Liechtenstein+423 LI
🇱🇹 Lithuania+370 LT
🇱🇺 Luxembourg+352 LU
🇲🇴 Macao+853 MO
🇲🇬 Madagascar+261 MG
🇲🇼 Malawi+265 MW
🇲🇾 Malaysia+60 MY
🇲🇻 Maldives+960 MV
🇲🇱 Mali+223 ML
🇲🇹 Malta+356 MT
🇲🇭 Marshall Islands+692 MH
🇲🇷 Mauritania+222 MR
🇲🇺 Mauritius+230 MU
🇾🇹 Mayotte+262 YT
🇲🇽 Mexico+52 MX
🇫🇲 Micronesia+691 FM
🇲🇩 Moldova+373 MD
🇲🇨 Monaco+377 MC
🇲🇳 Mongolia+976 MN
🇲🇪 Montenegro+382 ME
🇲🇸 Montserrat+1664 MS
🇲🇦 Morocco+212 MA
🇲🇿 Mozambique+258 MZ
🇲🇲 Myanmar+95 MM
🇳🇦 Namibia+264 NA
🇳🇷 Nauru+674 NR
🇳🇵 Nepal+977 NP
🇳🇱 Netherlands+31 NL
🇳🇨 New Caledonia+687 NC
🇳🇿 New Zealand+64 NZ
🇳🇮 Nicaragua+505 NI
🇳🇪 Niger+227 NE
🇳🇬 Nigeria+234 NG
🇳🇺 Niue+683 NU
🇲🇵 Northern Mariana Islands+1670 MP
🇰🇵 North Korea+850 KP
🇲🇰 North Macedonia+389 MK
🇳🇴 Norway+47 NO
🇴🇲 Oman+968 OM
🇵🇰 Pakistan+92 PK
🇵🇼 Palau+680 PW
🇵🇦 Panama+507 PA
🇵🇬 Papua New Guinea+675 PG
🇵🇾 Paraguay+595 PY
🇵🇪 Peru+51 PE
🇵🇭 Philippines+63 PH
🇵🇱 Poland+48 PL
🇵🇹 Portugal+351 PT
🇵🇷 Puerto Rico+1939 PR
🇶🇦 Qatar+974 QA
🇷🇪 Réunion+262 RE
🇷🇴 Romania+40 RO
🇷🇺 Russia+7 RU
🇷🇼 Rwanda+250 RW
🇧🇱 Saint Barthelemy+590 BL
🇸🇭 Saint Helena+290 SH
🇰🇳 Saint Kitts & Nevis+1869 KN
🇱🇨 Saint Lucia+1758 LC
🇲🇫 Saint Martin+590 MF
🇵🇲 Saint Pierre & Miquelon+508 PM
🇼🇸 Samoa+685 WS
🇸🇲 San Marino+378 SM
🇸🇹 Sao Tome & Principe+239 ST
🇸🇦 Saudi Arabia+966 SA
🇸🇳 Senegal+221 SN
🇷🇸 Serbia+381 RS
🇸🇨 Seychelles+248 SC
🇸🇱 Sierra Leone+232 SL
🇸🇬 Singapore+65 SG
🇸🇽 Sint Maarten+1721 SX
🇸🇰 Slovakia+421 SK
🇸🇮 Slovenia+386 SI
🇸🇧 Solomon Islands+677 SB
🇸🇴 Somalia+252 SO
🇿🇦 South Africa+27 ZA
🇰🇷 South Korea+82 KR
🇸🇸 South Sudan+211 SS
🇪🇸 Spain+34 ES
🇱🇰 Sri Lanka+94 LK
🇵🇸 State of Palestine+970 PS
🇻🇨 St. Vincent & Grenadines+1784 VC
🇸🇩 Sudan+249 SD
🇸🇷 Suriname+597 SR
🇸🇪 Sweden+46 SE
🇨🇭 Switzerland+41 CH
🇸🇾 Syria+963 SY
🇹🇼 Taiwan+886 TW
🇹🇯 Tajikistan+992 TJ
🇹🇿 Tanzania+255 TZ
🇹🇭 Thailand+66 TH
🇹🇱 Timor-Leste+670 TL
🇹🇬 Togo+228 TG
🇹🇰 Tokelau+690 TK
🇹🇴 Tonga+676 TO
🇹🇹 Trinidad and Tobago+1868 TT
🇹🇳 Tunisia+216 TN
🇹🇷 Turkey+90 TR
🇹🇲 Turkmenistan+993 TM
🇹🇨 Turks and Caicos+1649 TC
🇹🇻 Tuvalu+688 TV
🇺🇬 Uganda+256 UG
🇺🇦 Ukraine+380 UA
🇦🇪 United Arab Emirates+971 AE
🇬🇧 United Kingdom+44 GB
🇺🇸 United States+1 US
🇺🇾 Uruguay+598 UY
🇻🇮 U.S. Virgin Islands+1340 VI
🇺🇿 Uzbekistan+998 UZ
🇻🇺 Vanuatu+678 VU
🇻🇪 Venezuela+58 VE
🇻🇳 Vietnam+84 VN
🇼🇫 Wallis & Futuna+681 WF
🇪🇭 Western Sahara+212 EH
🇾🇪 Yemen+967 YE
🇿🇲 Zambia+260 ZM
🇿🇼 Zimbabwe+263 ZW

Pursuing higher studies in the United States has been a trend among Indian students for quite some time. Whether it is opting for a Masters degree or a doctoral program, colleges and universities in the U.S. have always appealed as a preferable choice to international students. According to a report on international education exchange data released by the U.S. Department of State Bureau of Educational and Cultural Affairs, there was a 12% increase in the number of Indian students studying in the U.S. in 2017 as compared to the previous year. Owing to a wide array of research and internship opportunities, American universities offer unparalleled benefits and advantages to international students. The top states in the U.S. receiving an influx of international students every year include California, Florida, Illinois, Indiana, Massachusetts, Michigan, New York, Ohio, Pennsylvania, and Texas.

Applying for Universities in the U.S. for MS or MBA Degrees

Indian students mostly prefer pursuing an MS degree in the U.S. Compared to MBA, postgraduate MS programs are less expensive. Further, study programs in government-funded universities are obviously cheaper than private universities. The average cost of MS program in state-funded U.S. universities varies in between US$ 20,000 to US$ 30,000 for two years. For full-time MBA programs, the tuition fees can rise up to US$ 60,000.

Most American universities ask for 16 years of formal education as a pre-requisite for filling the application form. Indian students with a bachelors degree easily fulfil this eligibility. Universities also ask for test scores in TOEFL and IELTS to check proficiency in English. Further, GRE and GMAT scores are required to qualify for MS or MBA programs. Additionally, professional experiences, extra-curricular activities, publications, letter of recommendations, and class performances are looked at among other things while selecting an applicant for a study program. Students can also look for financial assistance to lower their tuition fees by applying for scholarships and grants offered by universities.

Applying for Student Visa in the U.S.

To study in the United States, a student visa (F or M) is required. The type of student visa is determined by the course of study and type of school where the student enrols. Individuals travelling on a visitor visa or on a visa waiver program cannot apply for admissions in U.S. colleges. During the visa interview, students need to furnish documents such as passport, certificate of eligibility for nonimmigrant student status as issued by U.S. university, and evidence of financial means to pay educational, living and travel expenses. Students are also asked about their plans after the completion of course.Additionally, students are also advised to purchase an international travel insurance to cover any unexpected medical or travel-related expenses.

Approved visas can be issued to new students up to 120 days before the commencement of course. However, a student is only allowed to enter the U.S. 30 days from the start date of the course. 

Staying in the US as International Students

Right after coming to the U.S., students usually opt for temporary accommodations. Temporary accommodations might be cramped up with a large number of new students at the start of the academic year. On-campus housing is available at certain U.S. universities. However, students also share private apartments depending on their preferences and budgets. Again, apartment rents differ considerably according to cities.

Apart from stay, students need to set up their bank accounts, know their neighbourhoods, look for grocery stores among other things. Some U.S. cities have Indian grocery stores as well. Public transport is not convenient everywhere in the U.S. Though cities such as New York have frequent subways and buses, not all U.S. cities can boast of such means of transport. In such cases, students are either left with the choice to stay near college campuses or own a car. Campus life is hectic as well as exciting for international students. Indian students might experience a difference in culture initially but that changes once interactions with fellow students start through various campus activities and study groups. Student associations within universities also help to bridge the cultural differences.

While pursuing a full-time degree and settling in a new city in the U.S., it might be overwhelming if faced with an accident or similar mishappening. Let Care Travel Insurance’s student travel insurance plan take care of your unforeseeable expenses. Care Health Insurance a numerous options for travel insurance in India which provides comprehensive cover for any unforeseen emergencies.

Work Opportunities in US for Indian Students

Students on an F-1 visa may not be eligible to work off-campus during their first year but may take up on-campus employment opportunities. In their second academic year, students can apply for two types of off-campus opportunities:

  • Curricular Practical Training (CPT): This includes internships and work opportunities that are an important part of the study program that a student has enrolled for.
  • Optional Practical Training (OPT): It is a temporary employment opportunity concerning the student’s major area of study. Eligible students can apply for employment authorization for 12 months before or after completion of their studies. Also, under certain conditions, students earning a degree in STEM (science, technology, engineering, and math) fields can apply for an extension of their OPT work authorization.

Disclaimer: The above information is for reference purposes only. Please refer to the university guidelines for more details.

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+91
+91
🇦🇫 Afghanistan+93 AF
🇦🇱 Albania+355 AL
🇩🇿 Algeria+213 DZ
🇦🇸 American Samoa+1684 AS
🇦🇩 Andorra+376 AD
🇦🇴 Angola+244 AO
🇦🇮 Anguilla+1264 AI
🇦🇬 Antigua and Barbuda+1268 AG
🇦🇷 Argentina+54 AR
🇦🇲 Armenia+374 AM
🇦🇼 Aruba+297 AW
🇦🇺 Australia+61 AU
🇦🇹 Austria+43 AT
🇦🇿 Azerbaijan+994 AZ
🇧🇸 Bahamas+1242 BS
🇧🇭 Bahrain+973 BH
🇧🇩 Bangladesh+880 BD
🇧🇧 Barbados+1246 BB
🇧🇾 Belarus+375 BY
🇧🇪 Belgium+32 BE
🇧🇿 Belize+501 BZ
🇧🇯 Benin+229 BJ
🇧🇲 Bermuda+1441 BM
🇧🇹 Bhutan+975 BT
🇧🇴 Bolivia+591 BO
🇧🇦 Bosnia and Herzegovina+387 BA
🇧🇼 Botswana+267 BW
🇧🇷 Brazil+55 BR
🇻🇬 British Virgin Islands+1284 VG
🇧🇳 Brunei+673 BN
🇧🇬 Bulgaria+359 BG
🇧🇫 Burkina Faso+226 BF
🇧🇮 Burundi+257 BI
🇨🇻 Cabo Verde+238 CV
🇰🇭 Cambodia+855 KH
🇨🇲 Cameroon+237 CM
🇨🇦 Canada+1 CA
🇰🇾 Cayman Islands+1345 KY
🇨🇫 Central African Republic+236 CF
🇹🇩 Chad+235 TD
🇨🇱 Chile+56 CL
🇨🇳 China+86 CN
🇨🇴 Colombia+57 CO
🇰🇲 Comoros+269 KM
🇨🇬 Congo+242 CG
🇨🇰 Cook Islands+682 CK
🇨🇷 Costa Rica+506 CR
🇨🇮 Côte d'Ivoire+225 CI
🇭🇷 Croatia+385 HR
🇨🇺 Cuba+53 CU
🇨🇼 Curaçao+599 CW
🇨🇾 Cyprus+357 CY
🇨🇿 Czech Republic (Czechia)+420 CZ
🇩🇰 Denmark+45 DK
🇩🇯 Djibouti+253 DJ
🇩🇲 Dominica+1767 DM
🇩🇴 Dominican Republic+1849 DO
🇨🇩 DR Congo+243 CD
🇪🇨 Ecuador+593 EC
🇪🇬 Egypt+20 EG
🇸🇻 El Salvador+503 SV
🇬🇶 Equatorial Guinea+240 GQ
🇪🇷 Eritrea+291 ER
🇪🇪 Estonia+372 EE
🇸🇿 Eswatini+268 SZ
🇪🇹 Ethiopia+251 ET
🇫🇴 Faeroe Islands+298 FO
🇫🇰 Falkland Islands+500 FK
🇫🇯 Fiji+679 FJ
🇫🇮 Finland+358 FI
🇫🇷 France+33 FR
🇵🇫 French Polynesia+689 PF
🇬🇦 Gabon+241 GA
🇬🇲 Gambia+220 GM
🇬🇪 Georgia+995 GE
🇩🇪 Germany+49 DE
🇬🇭 Ghana+233 GH
🇬🇮 Gibraltar+350 GI
🇬🇷 Greece+30 GR
🇬🇱 Greenland+299 GL
🇬🇩 Grenada+1473 GD
🇬🇺 Guam+1671 GU
🇬🇹 Guatemala+502 GT
🇬🇳 Guinea+224 GN
🇬🇼 Guinea-Bissau+245 GW
🇬🇾 Guyana+592 GY
🇭🇹 Haiti+509 HT
🇻🇦 Holy See+379 VA
🇭🇳 Honduras+504 HN
🇭🇰 Hong Kong+852 HK
🇭🇺 Hungary+36 HU
🇮🇸 Iceland+354 IS
🇮🇳 India+91 IN
🇮🇩 Indonesia+62 ID
🇮🇷 Iran+98 IR
🇮🇶 Iraq+964 IQ
🇮🇪 Ireland+353 IE
🇮🇲 Isle of Man+44 IM
🇮🇱 Israel+972 IL
🇮🇹 Italy+39 IT
🇯🇲 Jamaica+1876 JM
🇯🇵 Japan+81 JP
🇯🇴 Jordan+962 JO
🇰🇿 Kazakhstan+7 KZ
🇰🇪 Kenya+254 KE
🇰🇮 Kiribati+686 KI
🇰🇼 Kuwait+965 KW
🇰🇬 Kyrgyzstan+996 KG
🇱🇦 Laos+856 LA
🇱🇻 Latvia+371 LV
🇱🇧 Lebanon+961 LB
🇱🇸 Lesotho+266 LS
🇱🇷 Liberia+231 LR
🇱🇾 Libya+218 LY
🇱🇮 Liechtenstein+423 LI
🇱🇹 Lithuania+370 LT
🇱🇺 Luxembourg+352 LU
🇲🇴 Macao+853 MO
🇲🇬 Madagascar+261 MG
🇲🇼 Malawi+265 MW
🇲🇾 Malaysia+60 MY
🇲🇻 Maldives+960 MV
🇲🇱 Mali+223 ML
🇲🇹 Malta+356 MT
🇲🇭 Marshall Islands+692 MH
🇲🇷 Mauritania+222 MR
🇲🇺 Mauritius+230 MU
🇾🇹 Mayotte+262 YT
🇲🇽 Mexico+52 MX
🇫🇲 Micronesia+691 FM
🇲🇩 Moldova+373 MD
🇲🇨 Monaco+377 MC
🇲🇳 Mongolia+976 MN
🇲🇪 Montenegro+382 ME
🇲🇸 Montserrat+1664 MS
🇲🇦 Morocco+212 MA
🇲🇿 Mozambique+258 MZ
🇲🇲 Myanmar+95 MM
🇳🇦 Namibia+264 NA
🇳🇷 Nauru+674 NR
🇳🇵 Nepal+977 NP
🇳🇱 Netherlands+31 NL
🇳🇨 New Caledonia+687 NC
🇳🇿 New Zealand+64 NZ
🇳🇮 Nicaragua+505 NI
🇳🇪 Niger+227 NE
🇳🇬 Nigeria+234 NG
🇳🇺 Niue+683 NU
🇲🇵 Northern Mariana Islands+1670 MP
🇰🇵 North Korea+850 KP
🇲🇰 North Macedonia+389 MK
🇳🇴 Norway+47 NO
🇴🇲 Oman+968 OM
🇵🇰 Pakistan+92 PK
🇵🇼 Palau+680 PW
🇵🇦 Panama+507 PA
🇵🇬 Papua New Guinea+675 PG
🇵🇾 Paraguay+595 PY
🇵🇪 Peru+51 PE
🇵🇭 Philippines+63 PH
🇵🇱 Poland+48 PL
🇵🇹 Portugal+351 PT
🇵🇷 Puerto Rico+1939 PR
🇶🇦 Qatar+974 QA
🇷🇪 Réunion+262 RE
🇷🇴 Romania+40 RO
🇷🇺 Russia+7 RU
🇷🇼 Rwanda+250 RW
🇧🇱 Saint Barthelemy+590 BL
🇸🇭 Saint Helena+290 SH
🇰🇳 Saint Kitts & Nevis+1869 KN
🇱🇨 Saint Lucia+1758 LC
🇲🇫 Saint Martin+590 MF
🇵🇲 Saint Pierre & Miquelon+508 PM
🇼🇸 Samoa+685 WS
🇸🇲 San Marino+378 SM
🇸🇹 Sao Tome & Principe+239 ST
🇸🇦 Saudi Arabia+966 SA
🇸🇳 Senegal+221 SN
🇷🇸 Serbia+381 RS
🇸🇨 Seychelles+248 SC
🇸🇱 Sierra Leone+232 SL
🇸🇬 Singapore+65 SG
🇸🇽 Sint Maarten+1721 SX
🇸🇰 Slovakia+421 SK
🇸🇮 Slovenia+386 SI
🇸🇧 Solomon Islands+677 SB
🇸🇴 Somalia+252 SO
🇿🇦 South Africa+27 ZA
🇰🇷 South Korea+82 KR
🇸🇸 South Sudan+211 SS
🇪🇸 Spain+34 ES
🇱🇰 Sri Lanka+94 LK
🇵🇸 State of Palestine+970 PS
🇻🇨 St. Vincent & Grenadines+1784 VC
🇸🇩 Sudan+249 SD
🇸🇷 Suriname+597 SR
🇸🇪 Sweden+46 SE
🇨🇭 Switzerland+41 CH
🇸🇾 Syria+963 SY
🇹🇼 Taiwan+886 TW
🇹🇯 Tajikistan+992 TJ
🇹🇿 Tanzania+255 TZ
🇹🇭 Thailand+66 TH
🇹🇱 Timor-Leste+670 TL
🇹🇬 Togo+228 TG
🇹🇰 Tokelau+690 TK
🇹🇴 Tonga+676 TO
🇹🇹 Trinidad and Tobago+1868 TT
🇹🇳 Tunisia+216 TN
🇹🇷 Turkey+90 TR
🇹🇲 Turkmenistan+993 TM
🇹🇨 Turks and Caicos+1649 TC
🇹🇻 Tuvalu+688 TV
🇺🇬 Uganda+256 UG
🇺🇦 Ukraine+380 UA
🇦🇪 United Arab Emirates+971 AE
🇬🇧 United Kingdom+44 GB
🇺🇸 United States+1 US
🇺🇾 Uruguay+598 UY
🇻🇮 U.S. Virgin Islands+1340 VI
🇺🇿 Uzbekistan+998 UZ
🇻🇺 Vanuatu+678 VU
🇻🇪 Venezuela+58 VE
🇻🇳 Vietnam+84 VN
🇼🇫 Wallis & Futuna+681 WF
🇪🇭 Western Sahara+212 EH
🇾🇪 Yemen+967 YE
🇿🇲 Zambia+260 ZM
🇿🇼 Zimbabwe+263 ZW

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Disclaimer: The information provided is for reference purposes only. Please refer to the official websites for country-specific information and policy documents for details on plan benefits, coverage, and exclusions.

^^Number of Cashless Healthcare Providers till Feb 2025

**Number of Claims Settled as of 31st March 2024

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $10,000) if disclosed during policy purchase.