@applebahadur thanks for the suggestion. I don't have the option of going to Nepal right now. So, i was looking for the insurance over here.
@simpleman thanks for the suggestion. I got kinda lost when you said your friend paid only 100 bucks for the surgery that cost 25k. Don't they have copay or certain percentage of out of pocket costs too?? I never had insurance and its not my field of study too. So i am little confused.
I really appreciate you both guys for taking some time to give suggestions.