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US Visa for Indians

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Key Features

The Real Ace in your Travel Pack

Coverage Highlights

Comprehensive travel protection under a single plan

Design your own plan

A truly modular plan that offers you flexibility to curate coverage suited for you and your family

Wide Sum insured options

Choose adequate sum insured that suits your budget

Pre- Existing (PEDs) covered

Medical expenses upto USD 3000 for emergeny medical care of pre existing diseases

Truly Cashless

Worldwide cashless hospitalisation

Ease of buying

No medical health check up required to purchase the policy

Discounts

Upto 10% discount depending upon the number of people travelling

Extension of medical coverage post policy expiry

If hospitalised within the policy period, treatment can be continued upto a maximum of 75 days beyond policy expiry

24x7 support

Enjoy round the clock support to travel worryfree

Direct Discount

Enjoy 5% direct discount by purchasing online

From reimbursements to fixed payouts

Some coverages reimburse actual expenses while others provide a pre-fixed amount

One trip or many? We have got you covered

A Single-Trip Policy covers just one trip, perfect for occasional travelers. A Multi-Trip Annual Policy covers unlimited trips within a year, ideal for frequent travelers. If you travel often, save time and money with an annual plan. Choose what fits your travel needs

Key Inclusions

What's covered?

Personal Accident Cover

Pays agreed amount in case of Death, Permanent Total & Partial Disability, while travelling overseas and also within India prior/post 24 hours of international travel, if opted

Medical Treatment & Evacuation Expenses Cover

Indemnifies for medical expenses for any illness, disease or injury that happens while you're travelling abroad and evacuation to India. Pre Existing Illness/ injuries can be opted to be covered

Hospitalization Daily Allowance

Pays agreed per day compensation in case of hospitalisation abroad

Trip Cancellation, Interruption & Extension

Indemnifies for loss incurred by you towards accommodation, travel & event tickets if trip is cancelled or interrupted mid-journey or extended under pre-defined circumstances

Return of Minor Child

Pays travel expense incurred to return your child/ children to India in case your are hospitalized abroad

Missed Connection

Reimburses you in case you miss a connecting flight

Ticket Overbooking

Compensation for denied boarding caused by overbooking, ensuring you are reimbursed for the inconvenience

Loss and Delay of Checked-in Baggage

Pays compensation if the airline delays or misplaces your checked-in-baggage

Loss of Passport and Driving License

Covers cost of replacing your passport / driving licensein case if they are lost during the journey

Loss of Personal Belonging

Pays for loss or damage to personal belongings including mobile, laptop, camera etc. due to theft, larceny, robbery or hold up at international airport

Bounced Hotel

Indemnfies you for a superior room /alterante hotel booking in case you dont get your pre booked stay

Sporting Activities Cover

Provides coverage for accidents or injuries that occur while participating in professional or semi-professional sports or adventure activities during travel

Note

Please read the policy wordings for detailed inclusions

Key Exclusions

What's not covered?

Pre-existing Condition

Any disability or injury arising from a medical condition that existed before purchasing the policy, if not opted, is generally excluded

Intoxication

Accidents occurring while under the influence of alcohol or drugs are excluded from coverage

Routine Examination

It doesn't cover routine check-ups, vaccinations, or vitamins if you're generally healthy

Self-Inflicted Injuries

Injuries resulting from intentional harm or attempted suicide are not covered

Criminal or unlawful act

Actual or attempted engagement in any criminal or other unlawful act

War and Related Perils

Losses due to war, rebellion, or terrorism are not covered

Cosmetic and Weight Loss Treatments

No reimbursement for cosmetic surgery or weight reduction programs while travelling abroad

Adventure Sports

Injuries from adventure sports are excluded unless the benefit is opted for

Deductible & Co- Pays

Part of the claim will have to be borne by you if you have Deductible or Copay

Additional Coverage

What else can your get?

Trip Delay Delight

Pays an agreed amount in case the flight gets delayed beyong the defined period

Track-a- Baggage

Opting this service helps you keep track of your luggage during your trip, giving you peace of mind. If your bags go missing, the service helps locate and return them to you quickly

Extended Pet Stay

Covers expenses for your pet’s extended stay at a boarding facility due to unforeseen travel delays

Weather Guarantees

Offers compensation for costs due to trip disruptions caused by extreme weather conditions

Note

Please read policy wordings for detailed coverage

What is US Visa? & Why Indians Need it?

A US visa for Indians is an official document placed on your passport by the United States government, which grants you permission to travel to a U.S. port of entry and request entry into the country. As an Indian, you need to apply for a visa if you are visiting the country for employment, tourism, business, education, etc.

The US visa application process starts with you carefully filling out the DS-160 form online. You must pay an MRV fee, complete biometrics and attend a consular interview. As you apply for a US visa, ensure a financial backup for emergencies overseas. International travel insurance adds financial protection and peace of mind.

Features of a US Visa

As an application for a US visa for Indians is mandatory to visit the USA, you must learn about its key features. Noting this is important, as it provides a clear picture of the facilities you get with it. Here is a detailed view:

Tourism and Travel

With the US Tourist Visa for Indians, you can fulfil your dream of an international tour. Explore the diverse landscapes and cultural aspects of the country for up to 6 months.

Fulfil Business Purposes

If you are visiting the United States of America (USA) for business purposes, applying for the appropriate type of visa allows you to obtain a temporary stay in the country to conduct business activities.

Higher Education

If you are planning to pursue higher education at prestigious universities in the USA, a US visa offers that opportunity. With a student visa, you can study there and accelerate your career.

Helps With Employment

The US visa for Indians allows eligible individuals with a specialised skillset to work in ‘speciality occupations’. It features employment visa types for intra-company transferees for managerial roles in the US.

Helps Get High-Quality Treatment

Another feature of a US visa is that it allows one to get high-quality treatment. Individuals with a US visa, therefore, can visit the country for specialised medical treatment.

Allows for Cultural Visits

The US visa features a specialised category that allows participation in the International Cultural Exchange Visitor Program. Indians can use it to share their culture and traditions in the USA.

Reunites You With Family

Another feature of a US visa for Indians is the opportunity to reunite with family. It allows individuals to plan a temporary stay to visit relatives and spend time together.

Participate in Research Programmes

Another unique feature of the US visa is that it allows scholars to participate in research programmes in the USA. It allows eligible professors to lecture at US universities.

Enables a Visa-Free Travel Experience

With a tourist or business visa, your journey is not strictly bound within the USA. This feature enables you to explore other countries like Mexico, Panama, the Caribbean Islands and more.

What Types of US Visas are available for Indians?

Before applying for a USA visa from India, it is important to know the type of visa you need and which one you should apply for to avoid rejection. Here are the details on the types available:

B1 Visa

This US visa is dedicated to individuals who are visiting the country solely for business purposes. With this visa type, you can visit your business clients abroad, participate in a business convention or conference, negotiate contracts and other eligible activities.

B2 Visa

If you are planning to visit the USA for travel, apply for this one. It allows you to explore natural and cultural diversity across the USA. Visit your family or friends there, attend sports events, get medical treatment, and others.

F1 and F2 Visa

These F1 US visa for Indians allow you as a student to pursue higher studies at American universities and educational institutions. Its F2 variant allows dependents like spouse and unmarried children under 21 years to accompany the primary applicant.

H-1B and H-4 Visa

With an H-1B visa, individuals with an eligible skill set for a speciality occupation can work in the US for up to 6 years. The H-4 visa allows dependents of an H-1B applicant to accompany them in the country.

L1 and L2 Visa

The L1 visa is also a work-related one and allows Intra-company transferees working in executive, managerial, specialised knowledge roles, etc. The L2 component is for their dependents to stay with the L1 visa holder in the country for a specified time.

Q1 Visa

This US visa for Indians allows one to visit the US and participate in cultural exchange programmes. Its validity is up to 15 months. However, to visit with this visa requires one to secure stipends for expenses from a sponsor.

J1 and J2 Visa

Research scholars or professors may find this type of visa suitable as it allows them to conduct research or teach across US academic institutions temporarily. Similar to other visas, its J2 variant allows dependents to join a J1 visa holder.

C-1/D and D Visa

Both these visas apply to crewmembers onboard an aircraft or sea vessel. However, the C-1/D applies to crewmembers passing through the USA. The D type applies to crewmembers serving on board an aircraft or sea vessel in the USA.

Transit C and C-1 Visa

These are transit visas required for individuals passing through the USA. The Transit C visa applies when passing through the US en route to another country. The C-1 visa applies during an immediate or continuous transit through the USA.

How Long Is a US Visa Valid?

Before you apply for a US visa for Indians, you must note the validity of each type of visa. This is important because once this validity expires, the US authorities will not allow you to stay, or you may need to extend it with a valid reason and documentation:

Type of US Visa for Indians	Validity
B1/B2	Generally, these are valid for up to 10 years and grant up to 6 months' stay per visit.
F1/F2	F1 is valid for up to 5 years. The F2 visa’s validity depends on the F1 status
H-1B/H-4	The H-1B is initially valid for 3 years and is extendable to 6 years. H-4’s validity depends on H-1B status.
L1/L2	L1 generally remains valid for up to 3 years. The validity of the L2 visa depends on the L1 status.
Q1	Up to 15 months
J1/J2	Depends on the exchange program and J1 status
C-1/D and D	29 days to 5 years, depending on visa type
Transit C/C-1	Up to 29 days

What is the Eligibility Criteria for a US Visa?

Aside from verifying the validity of a US visa for Indians, you must also determine whether you are eligible, as if you do not meet their recommended criteria, the authorities may reject your application. For this, take a look at its eligibility criteria:

Eligibility Criteria	Details
Purpose of Visit	You must clearly demonstrate that your reason for visiting the US matches the visa category you have applied for.
Strong Ties to India	You should provide evidence of strong ties to India, such as employment, business, family responsibilities, or other commitments that indicate your intention to return after your trip.
Financial Capability	You must have sufficient funds to support your stay in the US. Having international travel insurance can also provide financial assistance during medical or travel emergencies.
Supporting Documents	Submit genuine and relevant documents, such as admission letters, employer letters, business documents, or travel itineraries, depending on your visa type.
Clean Legal Record	Pending legal cases or criminal proceedings in India may affect your visa eligibility. A clean legal background improves your chances of approval.
Good Immigration History	A positive immigration and travel history, including compliance with previous visa conditions, can strengthen your application.
Accurate Application	Ensure that all information provided in your visa application is complete, accurate, and consistent to avoid delays or rejection.

What Documents Are Required for a US Visa?

Before going ahead with the visa application, it is important to note the US visa documents required. Keeping them ready can help ensure a smoother application experience. Here is a detailed view of some key requirements:

General / Common Documents (Required for Most Claims)

You must obtain a printed Form DS-160 confirmation page with the barcode after submitting your application at the US consulate in India.

A valid passport is another key document to travel to the USA, with a validity date at least 6 months beyond your intended stay there.

You must produce your 2x2 inch or 51x51 mm photograph, which you have taken within the last 6 months of your visa application.

If you are applying for a student visa, you must obtain an original, approved and signed Form I-20 from your US school or program.

Working visa applicants, such as in H or L class, must produce a marriage certificate for their spouses if they are applying for a dependent visa.

An exchange visitor visa applicant (e.g. Q1, J1, etc) must also produce an approved DS - 2019 form from their US program.

Upon approval of the visa, you may need to pay an additional visa issuance reciprocity fee alongside other fees like application, MRV fees, etc.

How Can Indians Apply for a US Visa Online?

Now that you have an idea about the required documents for a US visa for Indians, you must learn how to apply for it. You can do it online by following the step-by-step guide as shown below:

General / Common Documents (Required for Most Claims)

Assess the purpose of your visit to the USA, explore different visa types, application items, and qualifications, and choose the type that suits your needs.

Visit the online portal of the Consular Electronic Application Centre, follow the on-screen instructions to proceed and fill out the DS - 160 form with accurate details.

Upon filling out the DS-160 for your visa type, pay the visa fee. Once you have made the payment, keep the receipt secure as you need it to book a visa appointment.

You must book two appointments. One is for the Visa Application Centre (VAC). On your appointment date, visit one of the 5 VACs to provide biometrics and other formalities

The other appointment is for your visa interview at the US Embassy in India or a consulate.

Attend the interview on your scheduled date and time, and disclose the purpose of your visit and genuinely answer other questions.

If your visa application is approved, you will receive a confirmation email and an SMS mentioning that your passport is ‘Ready for Pick Up’ and collect it from the stated pickup location.

How Much Does a US Visa Cost?

In 2026, you must be aware of the applicable fees for a US visa for Indians to adjust your funds before applying. Here is a detailed view of applicable fees:

General / Common Documents (Required for Most Claims)

The MRV fees typically vary depending on the type of visa you are applying for. You must pay your respective amount via NEFT, IMPS or at the listed bank branches.

For B1, B2, F, J, and C-1/D visa types, the base fee is around $185.

Student visas or F1 US visas usually require an MRV fee of $185 with a SEVIS fee of around $350.

Petition-based work visas, such as H, L, or Q, require a fee payment of around $205.

Additional charges may be there, and you must clarify this from official sources before applying for the US visa.

Note: All listed visa fees are non-refundable in nature. This means even if you do not get a visa approval, you may not be able to ask for a refund and therefore prepare accordingly.

How Long Does It Take to Process a US Visa?

While you apply for a US visa for Indians, it generally goes through three stages. These are your initial application, a VAC appointment, and the consular interview. While you can apply online, the latter phases require some time, and here are the details:

General / Common Documents (Required for Most Claims)

The usual waiting time depends on your visa type and other factors. A VAC appointment is generally available within a week but may be higher in some cases.

An interview appointment takes longer and depends on your location. For example, a B1 or B2 interview appointment in Kolkata generally takes up to 4 months.

After your interview, typical adjudication may take 3 to 7 working days. However, administrative processing may extend this timeline.

Students and workers should apply as early as permitted to avoid delays. This means up to 365 days in advance for F-1 visas and 90 days in advance for H-1B stamping.

Can Indians Get a US Visa on Arrival?

As an Indian, if you are willing to visit the USA, you do not have the facility of a visa on arrival. Citizens of countries that are part of the Visa Waiver Program (VWP) can visit and stay in the USA for up to 90 days without a visa.

However, as India is not yet part of this program, you must apply for a US visa formally through the official channel, obtain it and then visit the country.

Why Can a US Visa Application Be Rejected?

1
Submitting an Incomplete Application : When applying for a US visa, incomplete information leads to denial. If a consular officer does not have sufficient details to determine your eligibility, you may face a visa rejection.
2
Insufficient Supporting Documents : Lack of documents may also result in rejection. For example, failure to prove financial backup during stay, or missing employment, sponsorship or admission records, etc., can render an application ineligible.
3
Application for Wrong Visa Type: Applying for the wrong visa can result in rejection of a US visa for Indians. For example, a B2 visa does not suit business travel, as you need a B1 visa.
4
Immigration Law Violations: Prior records of violating immigration laws can lead to rejection. Violations like overstaying with a previous visa, working there without authorisation or violating lawful terms can lead to a visa application rejection.
5
Unprepared for the Interview: Clearing the visa interview is crucial to getting a US visa for Indians. Missing a scheduled interview or being unable to clearly state reasons to visit the US can result in rejection.
6
Providing Misleading Information : For visa approval, it is important to be honest and state the original intention of a visit. Producing false documents or making statements that mismatch with documentation can result in rejection.
7
Criminal Records: A US visa applicant can face rejection if they have criminal records or an ongoing case in Indian courts. Officials can reject their application on the grounds of national security.
8
Uncertainty of Return : It applies especially to non-immigrant visa types. If an applicant fails to provide relevant evidence or sufficient means to return after their intended stay period, officials may reject the application.
9
Passport Issues: Aside from a 6-month validity, your passport must have enough blank pages. If your passport does not have sufficient blank pages while applying, officials can reject your US visa application.

Why is Travel Insurance Essential for US Visa?

Although travel insurance is not required by law to apply for most U.S. visas, it is still recommended to address the high cost of healthcare in the United States. The availability of comprehensive travel insurance ensures that you have coverage for most of the potential costs incurred because of the cost of emergency medical treatment, hospitalisation, trip cancellations, loss of luggage, lost passport or other unforeseen travel interruptions, and various other costs which may be incurred while travelling.

What Are the Latest Entry Requirements for US?

As you receive your approved US visa, you must note some of the entry requirements for efficient trip planning to the USA. Here are some conditions you must note:

General / Common Documents (Required for Most Claims)

Having a US visa does not guarantee your entry to the country. Entry requirements involve inspection from U.S. Customs and Border Protection (CBP) at the port of entry.

Travellers to the US need the Form I-94 upon admission to the country. Fulfilling this requirement ensures a lawful entry and an authorised stay.

About the authorised stay period, it may differ from the validity period of your visa. As a visitor, you must follow the duration that CBP allows.

Changes in travel plans do not automatically extend the authorised stay period granted upon entry.

Entry decisions are made individually for each visit, regardless of previous admissions to the United States.

Why Travel Insurance Required for a US Visa?

1
Helps to Deal With Medical Emergencies: Without insurance, you may face a financial struggle abroad during emergencies. Travel insurance from Bajaj General Insurance indemnifies expenses for illness or injury while you explore the country.
2
Accident Coverage: With international travel insurance, you get financial cover for accidents. A travel policy from Bajaj General Insurance pays an agreed amount upon death or eligible disability due to an accident.
3
Coverage for Delay and Loss of Checked-in Baggage: Protect the expensive items you carry to the USA with travel insurance for international trips. They compensate for losses if the airline delays or misplaces your checked-in baggage.
4
Trip Curtailment or Cancellations: You receive compensation for accommodation or travel ticket expenses for trip cancellations. An international travel insurance at Bajaj General Insurance indemnifies if your trip is interrupted mid-journey or gets extended.
5
Missed Connection: Your trip to the USA may involve a connecting flight, and missing one leads to a hassle. With travel insurance, you get a reimbursement if you miss a connecting flight as per conditions.
6
Ticket Overbooking: Due to overbooking, airlines may deny boarding on a flight. An international travel insurance policy reimburses you for financial losses if you miss a flight due to overbooking.

What Are the Top Tourist Attractions in US?

As you apply for a US visa for Indians, especially for travel purposes, you might want to take note of the places popular among tourists and things to explore. Here is a detailed breakdown:

Top Places	What to Explore
Statue of Liberty	Take a ferry ride and enjoy harbour views. Also, learn about American immigration history.
Grand Canyon National Park	Witness a breathtaking canyon view or trek along scenic trails and watch a stunning sunset.
Times Square	Delve into the exotic energy of New York City, explore attractions and enjoy Broadway shows.
Golden Gate Bridge	Take a walk across the bridge and capture the panoramic view of the bay.
Niagara Falls	Take a boat tour and get close to the waterfalls for a spectacular view.
Walt Disney World Resort	Enjoy themed attractions, thrilling rides, and family-friendly entertainment.

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How to Buy

1

Download the Bajaj General Mobile App and use your login credentials
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Select the travel insurance option by providing necessary details
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Allow the application to process your information & get quotes
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Choose the plan aligning with your travel itinerary & include add-ons
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Applicable for overseas hospitalization expenses exceeding $ 500
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Submit documents online for verification.
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Reimbursement

1

On complete documentation receipt, reimbursement takes approx. 10 days
2

Submit original copies (paid receipts only) at BAGIC HAT
3

Post scrutiny, receive payment within 10 working days
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Submit incomplete documents to our document recovery team in 45 days
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FAQ's

Would I receive a refund if my visa application is denied?

No, you may not receive a refund if your US visa application is denied. The visa fee covers the cost of processing and reviewing the application, regardless of the outcome. As a result, the authorities usually do not reimburse the fee even when they reject the application.

Is entry into the United States guaranteed by the visa?

No, a U.S. visa does not guarantee entry into the United States. It only allows travel to a port of entry, such as an airport or land border. Upon arrival, officials from the U.S. Customs and Border Protection (CBP) assess eligibility and decide whether to grant or deny admission.

How long am I permitted to stay in the United States?

Upon arrival, the immigration officer records an authorised stay period on the admission stamp or entry record. You must leave the United States before that period ends. Keeping Form I-94 or the admission stamp is important, as it serves as proof of lawful entry and authorised stay in the country.

Is a US visa difficult to get?

Approval hinges on documents and interview credibility. Well-prepared applicants with clear ties and lawful intent generally succeed; poor explanations often lead to refusals.

What to do if my visa gets stolen?

File a local police report, notify the nearest U.S. embassy/consulate and apply for a new visa. Your old visa will be cancelled to prevent misuse.

Is a US visa open now in India?

Yes. All U.S. consular posts are processing visas, though interview wait times vary by city and category.

What is the cost of a US visa from India?

Tourist visa costs start from US $185. Petition-based categories like H-1B cost US $205, excluding any employer-paid surcharges.

How to get a US visa for Indian citizens?

Complete the DS-160, pay the MRV fee, schedule VAC and interview appointments, attend biometrics, submit documents and answer consular questions honestly.

How do I make a claim on my travel insurance policy?

It is advisable to contact your insurance provider to discuss your claim. Please ensure you have your policy details, passport number, and any other relevant information readily available while submitting your claim.

What documents would I need to process my domestic travel insurance claim?

Usually, medical reports and their copies, receipts, invoices, FIRs, etc., are required for a domestic travel insurance claim. You can get more information from the customer care executive of your insurer.

What is the claim settlement process under the corporate travel insurance?

You can register your claim in two ways—online and offline. For online claim settlement, visit the insurance provider's website to register your claim and upload the necessary documents. If you prefer offline claim settlement, you can register your claim by contacting the designated person.

Can I renew my travel insurance policy?

Some travel insurance policies may offer renewal options, but this is not always standard. Generally, travel insurance is designed for specific trip durations. It is best to check with your insurance provider to see if renewal is possible and under what conditions.

How can I extend my travel insurance plan?

Extending a travel insurance plan depends on the specific policy and provider. Some policies may allow extensions under certain circumstances, while others may require purchasing a new policy. Contacting your insurance provider directly is the best way to determine if an extension is possible or not.

What happens if my travel insurance expires?

If your travel insurance expires while you are still travelling, you will no longer have coverage for any medical emergencies, lost luggage, or other risks. This means you would be responsible for any expenses incurred during your travel after your policy expiration. It is recommended to ensure your travel insurance covers the entire duration of your stay.

What is the validity period of travel insurance?

The validity period of travel insurance varies significantly. It is tied to the length of your trip, and policies are typically purchased for specific durations. These durations can range from a few days to several months, depending on the policy and provider. Always confirm the exact validity period with your insurance provider before your trip.

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US Visa for Indians

What is US Visa? & Why Indians Need it?

Features of a US Visa

Tourism and Travel

Fulfil Business Purposes

Higher Education

Helps With Employment

Helps Get High-Quality Treatment

Allows for Cultural Visits

Reunites You With Family

Participate in Research Programmes

Enables a Visa-Free Travel Experience

What Types of US Visas are available for Indians?

B1 Visa

B2 Visa

F1 and F2 Visa

H-1B and H-4 Visa

L1 and L2 Visa

Q1 Visa

J1 and J2 Visa

C-1/D and D Visa

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How Long Is a US Visa Valid?

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How Can Indians Apply for a US Visa Online?

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General / Common Documents (Required for Most Claims)

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