US Visa For Indians

US Visa and Travel Insurance Guide for Indian Travelers

You need to make sufficient preparations and have the appropriate type of US visa for Indians if you want to travel to the United States. Choosing international travel insurance coverage is also wise to financially safeguard your trip.

With the help of a travel insurance premium calculator, you can obtain an estimate and select from among the various types of travel insurance.

What is a US Visa, and What Does it Mean to Have a US Visa? 

A US visa for Indians certifies you’ve been granted permission to visit the US for a specific time. The reason you are travelling to the US, e.g., study, employment, vacation, etc., will determine the type of visa required.

The two primary forms of US visas are an Immigrant Visa and a Non-Immigrant Visa. To enter the US, you must have a US visa.

What are the Different Types of US Visas? 

Non-Immigrant Visas (Temporary Stay) 

●      B-1/B-2: Business (meetings, conferences) or tourism/medical visits.

●      F-1/F-2: Academic study; dependants hold F-2 status.

●      M-1/M-2: Vocational or technical study and their dependants.

●      J-1/J-2: Exchange programmes—researchers, interns, au pairs—with insurance mandates.

●      H-1B/H-4: Speciality occupation employment; H-4 for spouse/children (some can request work authorisation).

●      L-1/L-2: Intra-company transferees; L-2 spouses may work incident to status.

●      O-1/O-3: Individuals with extraordinary ability in science, arts, education, business or athletics; family on O-3.

●      P-1/P-4: Athletes, entertainers, cultural performers and their families.

●      R-1: Religious workers.

●      TN: Canadian or Mexican professionals under NAFTA, rare for Indians but noted for completeness.

●      C-1/D: Crew members and transit visas.

●      E-1/E-2: Treaty traders/investors (India currently not a treaty country for E-2).

Immigrant Visas 

●      Family-sponsored: Immediate relatives (IR-1/IR-2), family preference (F categories).

●      Employment-based: EB-1 to EB-5 green-card pathways.

●      Diversity Visa: Allotted by lottery; Indian nationals are presently ineligible.

●      Special categories: Returning residents (SB-1) and other humanitarian visas.

Each visa demands distinct supporting evidence, but all applicants attend biometrics collection and a consular interview, pay MRV fees and present proof of strong ties to India to assure temporary intent—unless seeking immigrant status.

Do Indians Need a US Visa? 

Yes. Every Indian traveller must obtain a visa before entering the United States—whether for tourism, study, work or medical treatment. The only exception involves holders of an American or other qualifying passport. You’ll start by completing the DS-160 form online, paying the appropriate Machine-Readable Visa (MRV) fee and scheduling biometrics and consular interviews at one of five U.S. Embassy or Consulate locations in India. Because interview backlogs can extend several months, early planning is essential. While travel insurance is not a visa requirement, policies from Bajaj Allianz General Insurance Company provide vital protection once you reach the U.S.

Validity of the Different Types of US Visa 

Visa validity is the period during which you can travel to a U.S. port of entry, not the length of stay allowed in-country. Indian B-1/B-2 visas are frequently issued with a 10-year, multiple-entry validity, enabling repeated short visits. Student visas (F-1/M-1) typically match programme duration plus a 30-day grace period. Work visas like H-1B or L-1 are usually granted for up to three years, renewable to the statutory maximum (six years for H-1B; seven for L-1A). The U.S. Customs & Border Protection officer sets your authorised stay on the I-94 record each entry. Overstaying—even by a day—can void future visa applications, so monitor your I-94 expiry carefully.

Who is Eligible for a US Visa?

Eligibility depends on the visa class. Generally, applicants must prove:

●      Genuine purpose matching visa type (tourism, study, work).

●      Financial capability to cover expenses.

●      Strong ties to India (job, property, family) for non-immigrant visas.

●      Clean criminal and compliance history.

●      For work/study, prior authorisation (I-797 or I-20) from U.S. sponsors.

Meeting health and security standards under U.S. law is mandatory. Immigrant cases require approved petitions from family or employers plus medical exams at authorised clinics.

What Are the Eligibility Criteria for a US Visa?

The following is a list of the paperwork needed to apply for a US visa:

●        A passport with at least six months of validity.

●        Marriage certificate, if applicable

●        Most recent passport-sized photos

●        Job offer letter (in case of a work visa)

●        Family link evidence to visit family in the US

●        The i-20 form or other evidence of enrolment at a school for a student visa

●        Flight details and additional travel datano change

●        Financial statements

Documents Required for US Visa Application (Indians) 

●      DS-160 confirmation page with barcode

●      Valid passport (six-month rule) + old passports

●      Appointment confirmation letter

●      MRV fee receipt

●      One recent photo (5 × 5 cm, white background)

●      Financial evidence—ITRs, bank statements, payslips

●      Travel itinerary and ties to India (employment letter, property deeds)

●      SEVIS receipt and I-20/DS-2019 (students/exchange)

●      Approved I-797 (work visas)

●      Civil documents for immigrant cases

Travel-medical cover from Bajaj Allianz General Insurance Company, while optional—greatly reduces emergency costs during U.S. stays.

US Visa Processing Time in India 

Processing involves three stages: form submission, biometrics (Visa Application Centre) and consular interview. VAC appointments are generally available within a week, but interview slots may stretch three to six months—longer for B-1/B-2. After the interview, typical adjudication takes three to seven working days, though administrative processing (221g) can extend timelines. Students and workers should apply as early as SEVIS rules permit: 365 days ahead for F-1 and 90 days for H-1B stamping.

How Can You Apply for A US Visa?

The application process for a US visa is organised and transparent. You must follow the following instructions:

●        Choose your visa type: Choose the appropriate US visa category and submit an application. This depends on your travel objectives, including business travel, academic study, tourism, visiting family or friends, etc.

●        Complete the online visa application form: Complete the corresponding online application form. You must have a few documents before beginning the online application process. These include your passport, academic transcripts, job offer letter (if applicable), etc.

●        Pay the visa fee: Pay the visa fee online and print out the form and payment confirmation.

●        Make an appointment for your visa interview: Make an appointment for your visa interview. The outcome of this interview will determine whether or not your visa application is approved.

●        Get a US visa (if accepted): Wait until your application process has been completed and your application is determined as accepted or rejected..

What Are the Fees Applicable for a US Visa?

The MRV fee varies by category and must be paid in Indian rupees via NEFT, IMPS or at designated Axis/HDFC branches. Non-immigrant fees (2025):

●        B, C-1/D, F, M, J visas – US $185 (~₹15,400).

●        Petition-based H, L, O, P, Q, R – US $205 (~₹17,100).

●        E visas – US $315 (~₹26,300).

Additional Charges: H-1B fraud-prevention fee (US $500) and border-security fee (US $4,000) paid by U.S. employers; visa issuance reciprocity fees do not apply to Indian nationals. Immigrant-visa fees total US $325 plus affidavit-of-support charges. All fees are non-refundable, even if denied.

Is a US visa available on arrival for Indian Citizens? 

The US does not issue Indian nationals a visa on arrival.

Know Why Your US Visa Application Can Get Rejected 

Your application for a US visa could be turned down for a few reasons. Some of these are:

●        Submitting an incomplete visa application

●        Lack of any required supplemental documentation

●        Applying for the wrong visa category

●        Failure to meet the requirements for the chosen visa category

●        Passport not having enough blank pages

●        Past criminal history or any ongoing criminal proceedings against you

●        No evidence of sufficient means to support your stay in the US

●        Applicant's nation and the US don't have sufficient diplomatic ties

●        Uncertainty regarding the anticipated stay in the US and return arrangements

●        Not having a genuine, authorised reason for travelling to the US

Why is Travel Insurance Essential for A US Visa? 

It is equally vital to get proper travel insurance for the US. You can encounter various unfavourable situations while travelling to and from the country and while you are there, including airline delays, lost luggage, lost passport, accidents, or sickness.

Choosing a reliable international travel insurance policy and securing your finances before travelling to the US is crucial. The following coverages are part of this:

●        Travel support

●        Coverage for illnesses and accidents

●        Hijack cover

●        Hospitalisation (In this case, your travel insurance for the US will automatically be extended for 60 days)

●        Protection from personal culpability

●        Help concerning delay or loss of baggage

Are There Any Changes in Documentation Requirements After Covid for obtaining a US Visa? 

If you have a valid visa and are fully vaccinated, you may travel to the United States without any further visa processing. Refer to the CDC website for a listing of accepted COVID-19 vaccines. Since June 12, 2022, you no longer need to show proof of a negative COVID-19 test before boarding a U.S.-bound flight.

Tourist Attractions in the US

There are several locations and landmarks in the US that draw visitors worldwide. The US has a diverse natural landscape with something to intrigue everyone, from the frigid peaks of Alaska to the azure waters of Florida and Hawaii. Make sure you buy travel insurance online before visiting these places. Here are a few of the top US tourist destinations:

●        New York City

●        San Francisco

●        Los Angeles

●        Washington DC

●        Hawaii

●        Seattle

●        Chicago

●        Miami