ICICI Students medical insurance

To find out how ICICI students medical insurance works, I spoke to ICICI agent regarding their International students health insurance and their 3rd party administrator ( SOS International ).

If you have to visit a doctor for treatment, you can go to any doctor. Pay for their expenses and file a claim and get it reimbursed. Sounds simple and easy.

But, you have to pay the provider ( doctor ) first and then file a claim. What if you have to pay more than you can afford?

I have an X-ray in Emergency Room and have the bill for $729.81 ( my insurance covered it and I had to pay $1.71)

So, ICICI chat guy said, SOS will arrange for Cashless facilities, where we can get treatment for medical conditions and file the claim after we get the bill and pay the provider.

I called SOS International over the phone to find about cashless facilities. They said its depends on the provider ( doctor/hospital).

I’m not saying someone shouldn’t take insurance from India. But, talk to few people. I have given my opinion. Just to let you know, I have expressed my views and used ICICI for reference. Please free to checkout other companies like Aetna, United Health, Blue Cross and Blue Shield, ..

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