Dark Reality Of Going To US To Make More Money

Summary

The video script discusses the challenges and options for Indians seeking to study and work in the US. It highlights the significant financial gains possible in the US but also the difficulties in obtaining a job post-graduation, the high cost of education, and the complexities of the H1B visa and green card processes. Alternatives such as the EB5 investment program and non-cap based H1B visas are explored, along with the rising popularity of the UAE as a destination for Indian professionals due to its tax-free environment and job opportunities. The conversation underscores the importance of expert guidance for navigating these paths.

Takeaways

• 💼 Going to the US for education and work can significantly increase one's wealth by 5 to 10 times compared to staying in India.
• 🎓 Post-graduation, students on a student visa have a limited time to find a job to stay in the US; otherwise, they must return to their home country.
• 💰 The average tuition fee for a master's degree in the US is about a crore, which is difficult to repay with the starting salary in India.
• 🏦 The EB-5 visa program offers a route to a green card by investing in a US business and creating 10 American jobs, but it requires a substantial financial investment.
• 🚫 Indians face longer wait times for a green card due to the country's large population and lack of certain treaties with the US.
• 🔄 There is a possibility of obtaining a non-cap based H1B visa for those employed by certain organizations like universities, which do not require a lottery.
• 🇦🇪 The E2 visa allows business owners to live and work in the US, but Indians cannot apply for it directly due to the absence of a treaty with the US.
• 🏫 There is a teacher shortage in the US, and becoming a certified teacher can be a pathway to obtaining an H1B visa without a quota limit.
• 🌐 Dubai has become a popular destination for Indians due to its proximity, no income tax, and availability of jobs, especially for skilled professionals.
• 🏥 Health insurance in India does not apply abroad, and it's crucial to get travel and then appropriate health insurance in the US to avoid high medical costs.
• 📉 The dream of moving to the US for higher education and work remains, but the reality is becoming increasingly challenging due to visa and residency restrictions.

Q & A

What is the estimated difference in wealth generation for someone who stays in India versus someone who goes to the US for 7 years and then returns to India?

The wealth generated can be 5 to 10 times more for someone who has spent 7 years in the US, as compared to someone who stayed back in India.

What is the catch for international students on a student visa in the US after graduation?

International students on a student visa must find a job within 2 months after graduation to stay in the US; otherwise, they have to return to their home country.

What is the average tuition fee for a master's degree in the US, and how does it compare with the starting salary in India?

The average tuition fee for a master's degree in the US is about a crore, which is difficult to repay with the starting salary in India, as one might not even be able to pay the interest on the loan.

Why can't people from India apply for an E2 Visa like citizens of other countries such as the UK, Canada, Sri Lanka, Pakistan, and Bangladesh?

The US does not have a treaty with India for the E2 Visa. The E2 Visa is available only to citizens of countries that have such a treaty with the US, allowing them to set up a business and live in the US.

What is the EB5 Visa, and how does it differ from the H1B work permit?

The EB5 Visa is a program that allows an investor to apply directly for a green card by creating 10 American jobs with an investment of $800,000 in a rural area or a targeted employment area. It is different from the H1B work permit, which is subject to an annual quota and is not a direct route to a green card.

What is the non-cap based H1B visa, and how does it differ from the regular H1B visa?

The non-cap based H1B visa does not have a cap on the number of visas issued and is available to employees of certain organizations like schools, colleges, universities, hospitals, and non-profit research organizations. It differs from the regular H1B visa, which has an annual quota of 65,000 and is subject to a lottery system.

What is the current situation for Indians looking to move to Canada or the UK?

The situation has become more difficult for Indians looking to move to Canada or the UK due to stricter immigration policies and a reduced number of available jobs and PR opportunities.

Why has Dubai become a popular destination for Indians seeking to work abroad?

Dubai has become popular due to its proximity to India, zero income tax, availability of jobs, and the fact that the cost of living can be managed by living in less central areas.

What are the challenges faced by Indian students who go to the US for higher education and then return to India?

Indian students face challenges such as repaying their education loans with the lower starting salaries in India, and the potential loss of their property if they are unable to repay the loan which was secured against their property.

What is the Indian dream when it comes to moving abroad, and has it changed over the years?

The Indian dream of moving abroad, particularly to the US, for higher education and a high-paying job has not changed, but the difficulty in achieving this dream has increased due to stricter immigration policies and competition.

What advice would you give to someone moving to the US regarding health insurance?

It is recommended to get travel insurance initially, and once in the US, to choose a comprehensive health insurance plan that may be offered by universities or companies, and to consider additional dental insurance if necessary.

Outlines

00:00

💼 Challenges and Strategies for Indian Students in the US

This paragraph discusses the financial implications and challenges faced by Indian students who study in the US. It highlights the significant increase in wealth potential for those who manage to stay and work in the US post-graduation, but also points out the difficulties in securing a job and staying in the country after graduation due to visa restrictions. The high cost of education and the struggle to repay loans on Indian salaries are also emphasized. Additionally, the paragraph touches on the EB-5 visa as an alternative route to a green card through investment, and the limitations faced by Indian citizens due to the lack of specific treaties with the US.

05:01

🎓 Navigating the US Immigration System: H1B Visas and Alternatives

The second paragraph delves into the complexities of the US immigration system, particularly focusing on the H1B visa process. It explains the limited annual quota and the competitive nature of the visa lottery, which results in a low chance of success for Indian applicants. The paragraph also introduces the concept of non-cap based H1B visas, which are exempt from the annual quota and available to certain organizations such as educational and medical institutions. Furthermore, it discusses the E2 visa as a business visa option, with the caveat that Indian citizens are ineligible due to the lack of a treaty between the US and India. A workaround involving obtaining a Caribbean passport from a country with an E2 treaty is mentioned, along with the legal and logistical challenges it presents.

10:02

🌍 Exploring Opportunities and Alternatives to Traditional Western Immigration Destinations

This paragraph explores alternative destinations for Indian immigrants beyond the traditional choices of the US, UK, and Canada. It discusses the rising popularity of the UAE, particularly Dubai, due to its proximity to India, the absence of income tax, and the availability of jobs in various sectors. The paragraph also touches on the teacher shortage in the US and the potential for Indians with a bachelor's degree and a teaching certification to secure jobs and H1B visas without being subject to the quota. Additionally, it mentions the changing dynamics of immigration to countries like Australia and Singapore, where opportunities for permanent residency have become more limited.

15:03

📚 The Indian Dream and the Reality of Pursuing Higher Education Abroad

The final paragraph reflects on the enduring allure of the 'Indian dream' of studying and settling in Western countries, despite the increased difficulty in obtaining permanent residency. It addresses the financial burden of pursuing a master's degree in the US and the challenges of repaying educational loans with Indian salaries. The conversation also covers the importance of securing adequate health insurance while studying or working abroad, with a cautionary tale about the consequences of choosing an insufficient policy. The paragraph concludes with an acknowledgment of the need for expert guidance to help Indians navigate the complexities of career and financial decisions related to studying and working in foreign countries.

Keywords

💡Wealth Generation

Wealth generation refers to the process of creating and accumulating wealth over time. In the context of the video, it is mentioned that someone who goes to the US for 7 years and then returns to India could see their wealth increase by 5 to 10 times, indicating the potential for significant financial growth through international experience and opportunities.

💡Student Visa

A student visa is a permit allowing a person to study in a foreign country. The script discusses the challenges of transitioning from a student visa to a work visa in the US, specifically mentioning the two-month window to find a job post-graduation or face deportation, highlighting the precariousness of staying in the US after education.

💡Master's Degree

A Master's Degree is an academic degree that represents a higher level of education beyond a bachelor's degree. The video script mentions the high cost of obtaining a Master's Degree in the US, which can be a financial burden, especially when considering the starting salary and the ability to pay back student loans.

💡H1B Visa

The H1B visa is a non-immigrant visa that allows US companies to employ foreign workers in specialty occupations. The script explains the limited annual quota of 65,000 for this visa, the intense competition for it, and the challenges of transitioning from an Optional Practical Training (OPT) status to an H1B visa.

💡Green Card

A green card grants an individual permanent resident status in the US, allowing them to live and work without visa restrictions. The video discusses the long waiting periods for an H1B visa holder to obtain a green card, which can be up to 50 or even 100 years, indicating the difficulty of achieving permanent residency.

💡EB5 Visa

The EB5 visa is an investment-based immigration option that offers a direct route to a green card. It requires an investment that creates at least 10 American jobs, typically in rural areas or areas with high unemployment. The script mentions the significant investment amount required for this program, which can be a barrier for many.

💡Non-Cap Based H1B

Non-Cap Based H1B refers to H1B visas that are not subject to the annual cap of 65,000. Certain organizations, such as universities, hospitals, and non-profit research organizations, can sponsor H1B visas for their employees without participating in the lottery. The script explains that these visas are more accessible but also come with the challenge of proving the necessity of the foreign worker's role.

💡E2 Visa

The E2 visa is a type of investor visa for individuals from countries that have a treaty of commerce and navigation with the US. It allows the visa holder to invest in and operate a business in the US. The script notes that Indians are not eligible for this visa due to the lack of a treaty between the US and India, which limits business immigration options for Indian citizens.

💡Teacher Shortage

The script highlights a significant shortage of teachers in the US, particularly for high school and elementary school positions. This shortage presents an opportunity for individuals with a bachelor's degree and teaching certification to find employment and potentially secure an H1B visa through non-cap based routes.

💡Travel Insurance

Travel insurance is a short-term policy designed to cover medical expenses and other unforeseen events during international travel. The video recommends obtaining travel insurance when going abroad, which is essential for initial coverage until a more comprehensive health insurance plan can be secured in the host country.

💡Health Insurance

Health insurance provides coverage for medical and surgical expenses. The script emphasizes the importance of selecting a comprehensive health insurance plan in the US, including dental coverage if necessary, to avoid high out-of-pocket costs for medical treatment.

Highlights

Wealth generation for Indians in the US can be 5 to 10 times more compared to those who stayed in India.

Challenges for students on a visa in the US include finding a job within two months post-graduation to stay in the country.

The average tuition fee for a master's degree in the US is about a crore, which is difficult to repay with an Indian starting salary.

The US has treaties with countries like the UK, Canada, Sri Lanka, Pakistan, and Bangladesh, but not with India, affecting visa and green card processes.

The EB-5 program offers a direct route to a green card through investment, requiring the creation of 10 American jobs per investor.

The H1B visa has a limited annual quota and is subject to a lottery system, with less than a 10% chance of being granted.

Non-cap based H1B visas are available for certain organizations like schools, colleges, universities, hospitals, and NOS without a lottery.

The E2 visa allows business owners to live and work in the US, but Indians do not qualify due to the lack of a treaty between the US and India.

A workaround for the E2 visa involves obtaining a Caribbean passport from a country like Grenada, which has an E2 treaty with the US.

US immigration laws have changed, making it more difficult for those with Grenada passports to obtain an E2 visa without establishing residency.

There is a shortage of teachers in the US, and becoming certified can lead to H1B non-cap based visas and job opportunities.

Popular destinations for Indians besides the US include Canada, the UK, and Dubai, with each having its own set of challenges and benefits.

The UAE has become popular due to its proximity to India, zero income tax, and growing job opportunities.

In the US, the high cost of dental treatment can necessitate flying back to India for dental work, highlighting the importance of proper insurance.

The Indian dream of moving to the US and achieving a high-paying job remains, despite increased challenges in obtaining visas and permanent residency.

Health insurance in the US is separate from dental coverage and must be chosen carefully to avoid high out-of-pocket costs.

The importance of choosing the right health insurance policy in the US is underscored by the high costs of medical treatment.

Transcripts

somebody who has stayed back in India

versus you who went to us for 7 years

and then came back what would you say is

the difference in terms of your wealth

generated 5 to 10 times for sure there

is one small catch when you go on a

student visa after your graduation

within 2 months if you don't find a job

you don't get to stay in the US but the

average tuition fees right now to get a

master's degree in the US is about a

crore with the IND salary with the

starting salary that you'll get you

can't even pay the interest for get

paying the loans really that's how bad

it is yeah it is damn so they have these

treaties with UK with Canada with Sri

Lanka with Pakistan Bangladesh but not

with India people from Sri Lanka and

Pakistan can do this and India can't no

because of our share population don't

fight with me I didn't make the law

you're going to have to wait for like 50

years to get your green card and the

weight also might go up to 100 years so

I can't be having kids in the US if this

is the plan is there any hack which most

people don't know about yes there is

please share

all right

[Music]

so are there any success stories that

you can share I went to us I did my MBA

I worked for a university in Boston and

after 7 years I've moved back to India

somebody who has stayed back in India

versus you who went to us for 7 years

and then came back what would you say is

the difference in terms of your wealth

generated so it's quite significant 5 to

10 times for sure five to 10 times more

easily yes so what are those countries

that people are most interested to

settle down in forever so number one

country always has been us it is still

us uh I mean there are uh statistics

saying that you know it's you're going

to have to wait for like 50 years to get

your green card so is that like so

that's true and the weight also might go

up to 100 years but that is H1B the work

permit to green card but people can

invest and get an eb5 based Green Card

which is year and a half to years why

don't you just uh break down this eb5

Visa uh because all of us know that

getting a green card in the US is quite

hard so the eb5 is a program eb5 is not

a Visa okay all right so it's a route

directly to get a green card the idea is

to create 10 American jobs per investor

that's the Crux behind the investment

program um and the again the law is you

have to invest in a rural area or an

area where uh it's called targeted

employment area or te a where the

unemployment rate is 150% higher than

the national average only then the

$800,000 investment is valid but you

still have to create 10 American jobs

okay once you do that that's when the US

government says that yes because you're

feeding 10 families because of you 10

families have roof over their head we

are giving you and your family a green C

interesting so you need 78 crores to

give 10 jobs in the US yeah uh for most

of our audience that might be un

achievable right because most people

don't even have one not even kis right

the the average income of Indians is

like $2,000 $25,000 right so is there

like a you know like a much more

practical way of moving to the US before

that I would like to uh tell you what

people think is the right way of moving

to us if they don't have this kind of

money so most of the people think that

they can go on a student visa study get

op corre get H1B and eventually get a

green card it's sounds so nice so simple

but the thing is uh people don't know

the laws properly so first thing is when

you go on a student visa before you

graduate or sorry after your graduation

within two months if you don't find a

job you don't get to stay in the US so

you have two to three months to look for

a job and come on op otherwise you have

to come back to your home country okay

that's the first hurdle people don't

understand when they go let's assume you

get opt you get a job the next thing is

H1B 65,000 is a quota Global quota from

the whole world they give 65,000 visas

per year H1B H1B that's it that's it in

the whole country of us yes okay and and

how many people are competing for this

65,000 7 to8 lakh people apply so it's a

10% chance not even a 10% chance to get

your H1B it's a lottery so okay less

than 10% chance of converting my op into

H1B correct and what is H1B exactly it

just means you can renew it again and

again as long as you're working no so

one vis a work permit the first time you

get it for 3 years and only one renewal

is allowed for three more years after

that you have to leave the country for

one year and then again put your name in

the lottery and hope that you'll

carry so I can't be having kids in the

US if this is the plan so of course

there are some legal workarounds so once

you're on H1B you are allowed to file

for a green card once you file for a

green card and after you cross a certain

stage in that filing uh after that US

government has to renew your H1B every

every year till the time you get a green

card but the problem is the weight is 35

to 50 years right so it's like forever

so I can by Theory I can stay there

forever yes just that I won't be like a

first class citizen I'll be a second

class citizen because I'm not a citizen

correct interesting so now that is the

conventional route yes is there any hack

which most people don't know about yes

there is please

share all right so um us offers

something called as non-cap based H1B

non nonap based h-1bs now 65,000 is a

cap correct right they don't call it

Kota they call it cap correct um outside

the 65,000 there are another 20,000 H1B

visas available for people who have done

masters from

us now this is cap based visas now there

are certain uh organizations who qualify

to get H1B uh sponsored for their

employees any time in the year without

putting their name in the lottery so

these organizations are schools colleges

universities hospitals and NOS not all

of them qualify but some of them do

qualify it's not easy to get a non-cap

based H1B because the employer a lot of

times thinks that you might be using

their organization just to just to stay

in the country correct correct so what

are these kind of companies again like

you said hospitals and SCH schools

colleges universities hospitals and NOS

can you like name some colleges or

hospitals or whatever you can't name

them no no no why no I mean okay Howard

MIT Stanford Yale so if you get employed

by these kind of colleges abely you can

uh it's easier for you to get the H1B

Visa because then there's no Lottery yes

and no private companies no private

companies like Google Facebook Microsoft

no so what they do is if they know they

need 100 employees they file th000 h-1bs

okay so they they give so many number of

jobs out of which they know that 5 10%

only will get the h-1bs then what is so

there is one Visa called E2 Visa what is

this E2 program now that's a business

Visa where you can set up a company in

us and you start running it and the

whole family gets a E2 Visa there is no

minimum investment required there is no

minimum job creation required like eb5

has minimums for both there is one small

catch okay Indians don't qualify to even

apply for it2 okay why so us has to have

a treaty with individual countries where

those country citizens become eligible

to file for E2 Visa so they have these

treaties with UK with Canada with Sri

Lanka with Pakistan Bangladesh but not

with India why because there's no

minimum investment requirement right so

$50,000 and half India will go to

us so even China is not part of this no

China is not a part of this so we just

$50,000 if you set up a business and

there's no criteria of how many

employees and all of that it could just

be like a digital business you a onean

person yes and you can get that Visa

absolutely and people from Sri Lanka and

Pakistan can do this and India can't no

because of our share population don't

fight with I didn't make the law

okay so okay so I'll tell you a

workaround okay there is another work

around which is which used to be an

amazing workaround uh couple of years

ago where Indians would file for a

Caribbean passport in two to three

months you would get a Caribbean

passport meaning I become a citizen of

of a Caribbean country called Grenada

because that's the only country that has

E2 treaty with the US Grenada Grenada

it's next to Barbados okay so that West

Indies within two months I can be a

citizen of that country yeah now it's 6

months but that time it was 2 months

okay and in 6 weeks you would get E2

Visa so I would have helped so many

people get to us in a very very

inexpensive way but then us figured what

thees was doing and they and they

changed their laws now so now even if

you get a Gren passport you have to

establish a residency with that country

for 3 years or more okay only after that

you can do so basically if I am an

Indian I can't I don't have a million

dollars to invest in the US I still want

to go the US so first they're telling go

to Grenada become a citizen over there

it takes me 6 months I and $300,000 and

$300,000 so that's about 2 CR which is

still much lesser than 7 cror so then I

live there for 3 years enjoy the beaches

you don't live there you live in India

just go come go come what go go come and

then I can maybe set up a business in

the US using the what is that B2 E2 E2

Visa yes interesting any other

workarounds apart from this or this is

it no no this is the maximum yeah this

is what I can talk about oh there

are so then others are all illegal huh

others are others are illegal stuff no

no no okay so I I'll tell you a very

important piece of information so you

you worried that if you reveal this then

the US government will get to know and

that's how it

is okay but I'll tell you one legal

thing that definitely I'm helping a lot

of people uh so there is a tremendous

teacher shortage in America High School

teachers scho Elementary School teachers

tremendous shortage in us if you want to

become a teacher then you need uh a

bachelor's degree in any field you have

to be fluent in English obviously you

don't need I test toi but you need to be

fluent in English because you'll be

teaching in English language and third

you need a certificate certification

program from a particular state which

will allow you to become a teacher

that's like a three-month course which

I'll help people do online huh and in

one month you give the exam you can give

the exam wherever they hold GMAT G in

the same testing centers you can go and

give this exam okay so fourth month you

qualify to be a teacher in the US and

then there are a lot of jobs available

because there is a teacher shortage

another 2 months you can get a job and

now remember I told you H1B non-cap

based so there's no quota so then they

can go to us and the cost is not as much

so damn us is happy to get teachers

because India has good quality people we

speak really good English is there like

a criteria that I should be teaching for

at least so many years not at all

because once you go there you'll do a

9-month internship and after that you'll

become a but it's a paid internship

you'll get proper salary it's a high

school yeah but the salaries are between

40 and 50 $555,000 perom so it's a good

Sal so it's like I do it for like a year

yes and then I can switch other into

other jobs not really you can only

switch to any other non-cap based

companies which means from school to

College college to University so what

are the other popular countries that

Indians love to move to Canada was and

I'm saying was a very popular country

until recent recently but uh a lot of

Indians are now not happy it's not easy

to get to Canada anymore and Canada was

giving 4 to 5 lak people PR I don't know

how many work permits so imagine how

many people went to Canada in the last

few years and now not enough jobs and

you know all those issues and okay so

Canada is out what other countries um UK

again same thing it used to be very

popular long time back but now they are

also struggling okay what other any

other countries so a country that

suddenly has sprung up is UAE so Dubai

suddenly has become very popular amongst

Indians it's about 2 and a half 3 hours

away from uh most of the cities in India

by flight by flight by flight and uh

time difference also is not that much

time difference is not much you can

visit your family anywhere anytime you

want plus zero tax right so no income

tax is a very big thing so jobs are

available because the locals don't want

to work uh it's a growing economy uh you

see the amount of construction that's

going on it's czy but in terms of jobs

like is there all kinds of job available

it's a full-fledged country so they need

teachers they need software engineers in

fact I know some companies who are

offering more money to software

Engineers than a US company is offering

because they know that everyone is

running to us any guy who has software

skills is rushing to us so to attract

that pool they are paying them more

money than American companies and there

is no income tax so let's do a quick

math mhm right so a software engineer in

India let's say on an average they're

making about 30 lakhs perom mhm that

same software engineer if they go to the

UAE how much would they be making 190 to

200,000 Dam they'll make so that's about

uh 23 you multiply so 4550 LS 4550 lakhs

and plus zero tax zero tax even if they

make same money it's extra 30% right and

in terms of cost of living is of course

significant signicantly higher in terms

of because the real comparison to do is

the savings yes so in your experience

are people able to save more living in

the UAE versus living in India

considering the living cost they are

able to save I'll tell you why now here

in Mumbai let's say you get a job in

nariman point you will not live in

nariman point you live in Andheri

similarly in Dubai a lot of people if

you get a job in BJ Khalifa let's say

that building you not live in downtown

Dubai you live live a little further

down or a lot of people live in Shara

cost is half so there is there are ways

to save money okay okay so that was UAE

any other country these are like The

Usual Suspects you know us UK Canada

Dubai mean let's talk about Australia

and then is that Australia something

good Australia no more because no but

again the same issue the country is very

big so not enough jobs to offer anymore

because again too many people who got PR

too many people who went to study and

then they continued living there so

today most of their programs they have

discontinued like one program the

investment based program they have where

you invest 1.2 million Australian

dollars and get a PR but in that money

you'll get a us eb5 right why would you

go why would you go to Australia so that

takes out all the popular Singapore is

an option again for business also

Singapore Once Upon a Time used to very

easily offer uh residency permits

permanent residencies even citizenships

but now it has become very difficult to

get you know to stay permanently so

hence a lot of people from Singapore

Australia gu in touch with me that they

want to either move to us or Dubai but

they don't want to continue staying in

these countries so from what I'm

understanding is that us is still the

most viable option always it's a big

country lot of opportunities um imagine

if 7 to 8 lakh people applied in the H1B

Lottery that means there were so many

jobs given right without a job you can't

apply for H1B correct correct so jobs

are there in us there's no issue with

jobs issue is with getting in the 65,000

quota which is not everyone can get it

but let's look at this like for the

average tuition fees right now to get a

master's degree in the US right or most

Western countries is about a CR correct

now if I can work there for only two or

3 years How likely is it for me to be

able to repay that loan in the time that

I have because if I come back to India

it's going to be very difficult to pay

that loan with the Indian salary yes

with the Indian salary with the starting

salary that you'll get you can't even

pay the interest forget paying the loan

so are there many stories like that of

people not being able to pay back the

loan because of the situation yeah but

what happens is you get education loan

only against property and your parents

are always guarantee right so if you

don't repay your parents will have to

repay otherwise you lose the house so a

lot of people end up in the situation

yes I don't like it but that's the so

they take a 1 CR loan they would have

given their property as their collateral

yes they did not get a job in the US

coming back to India and then what it

became a huge loss huge financial loss

yes absolutely and there are a lot of

people like that lot of people like that

and they go with an excitement that now

I'm going to settle there us dream yes

sir if you go back 10 years the Indian

dream was to go to the US get a high

paying job and settle down and live the

American dream right that was that was

the Indian dream what is the Indian

dream today according to you because

considering how bad the situation has

gotten in us and UK when it comes to

giving permanent residency visas what is

the Indian dream today according to you

so the Indian dream continues to be the

same that has not changed people still

want to go there it's just that so many

people are dreaming the Indian dream

that not everyone is able to get to it

but it's still a dream and it's a

fabulous dream to have so let's say I'm

now I'm in India I have a health

insurance and life insurance now if I

want to go outside India let's say I got

into the US now how do I look at my

health insurance like do I need to get a

separate one or do my Indian Health

Insurance still apply here like how do I

look at that no so Indian Health

insurance will only be applicable in

India and uh when somebody travels to us

or any other country I recommend them to

get a travel insurance to start with now

that's something that covers you for a

couple of months right but once you land

in that country then you have to pick a

good insurance plan and uh then go ahead

and take that insurance now if you go on

a student visa the universities will

have options for you if you go on a work

permit the companies will have a group

policy for you but you have to buy your

own insurance when you are abroad now so

there was uh one student I had helped

him go and uh he picked the cheapest

possible policy okay all right and

frankly the difference for what for the

health insurance for the health

insurance in the US in the US and

frankly there was like a $200 difference

it was not like a $2,000 difference but

still he picked the cheapest and he had

an issue with his teeth he should have

added Dental so no uh health insurance

policy in US comes directly with dental

it's always a separate policy yeah and

if you know you have a dental problem if

you know that you have more cement than

teeth in your mouth you better get a

dental plan and and I had told him that

but he wanted to cut corners and he

didn't and eventually he had to Shell a

lot of money to get things fixed and it

reached to a point where he had to fly

to India to do root canals because it

was still cheaper to buy the air ticket

and do it in India and go back really

but if you would have taken a proper

plan then he would have you're saying a

root canal will cost lacks in US yeah or

get an insurance all right guys on that

note thank you so much for watching till

the end my conclusion from talking to

him is that the situation has gotten

very very hard and I think experts like

you are in the need of the r to guide

Indians as to what they should do with

their career and their money thank you

so much for giving us your time thank

you sir it was a pleasure talking to you

thank you so much guys and I'll see you

in the next one

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