Just need your opinion. I feel buying the insurance in USA is better than buying the insurance in India because for example if you visit PPO doctor they will bill insurance company certain amount for a service but the insurance company will pay negotiated discounted price. Ex: If the doctor bills for $100 to Insurance, the insurance company will pay $30 or $50 and Insurance refuses to pay $30 or $50 we can pay ourselves but if we need to claim from India through any indian insurance company then we have claim for $100.

Please let me know my understanding is correct from your experience from SRI or IMG or any company.