Author: Mani Karthik

Visitor Insurance vs Travel Insurance: What’s the Difference?

Deepa was confused. She’d spent 45 minutes on an insurance comparison site and had two tabs open – one showing “travel insurance” plans, another…
Why Healthcare in the USA Can Bankrupt You (And What It Means for Your Parents’ Visit)

Suresh called me on a Sunday afternoon. His father had slipped in the bathroom of their New Jersey apartment. Nothing dramatic – just lost…
Is Travel Insurance Mandatory for USA Visitors in 2026?

Rajan messaged me last month. His parents were about to fly to California to meet their new grandchild. He’d been planning the trip for…
What is Visitor Insurance for USA? (Explained for NRIs Bringing Parents)

Priya called me one evening, completely panicked. Her mother had just been rushed to the ER in New Jersey. Chest pain. Turned out to…
Back to India NRI Community Survey (2025-26)

I’ve been running the BacktoIndia community since 2017. Over the years, I’ve had thousands of conversations with NRIs who are planning their return, in…
How To Choose a Financial Advisor (And Avoid Costly Mistakes)

A few months ago, someone in our WhatsApp community shared a painful story. He had hired a “financial advisor” recommended by a friend. Within…
Aditya Birla Health Insurance Review: What Returning NRIs Should Know

I want to start this review with something unusual. In our WhatsApp community, a member named Vikram shared something interesting last year. He’d moved…
Star Health Insurance Review: What Returning NRIs Should Know (2026)

Star Health is everywhere. If you’ve visited India recently, you’ve probably seen their billboards. If you’ve Googled “health insurance India,” they’ve shown up in…
Care Health Insurance Review: Complete Guide for NRIs

This one’s different from the others in this series. The first three reviews – HDFC Ergo, Niva Bupa, and ICICI Lombard – were largely…
ICICI Lombard Health Insurance Review: Worth Buying?

Let me tell you something I hear a lot in our WhatsApp community. “I already have an ICICI Bank account in India. Should I…