NRI Playbook

Term life insurance and cover for visiting parents

A referral for term life insurance for visa holders, and visitor medical insurance for parents visiting the US.

Two insurance questions come up most often. The first is whether you can buy term life insurance in the US on a work visa. Many insurers will cover you, with conditions. The second is medical cover for parents who visit, since US medical bills are high and Indian health policies rarely pay for care here.

What this covers

  • Term life insurance for H-1B and L-1 visa holders.
  • Visitor medical insurance for parents.
  • What visitor plans do and do not pay for, including pre-existing conditions.

How it works

Email us what you need. We introduce you to a partner who does this work, and they quote their own terms. You decide whether to go ahead.

Read our edition on insurance for visiting parents →

Common questions

Many insurers will cover you, with conditions. We refer you for term life insurance for H-1B and L-1 visa holders.

Rarely. US medical bills are high and Indian health policies rarely pay for care here, which is why visiting parents usually need visitor medical insurance.

NRI Playbook is not a lender, broker, insurer, or law firm. These products and services are provided by independent partners, who set their own terms. If we earn a referral fee, we tell you before you agree. This page is general information, not financial or legal advice.