Why Settle for Acute Onset Pre-ex cover when full pre-ex cover available?

Everyone talks about pre-existing conditions coverage and acute onset cover. Acute onset coverage come with a lot of conditions that many do not understand and can not meet. For example, many plans come with a time line such as you have to rush to hospital within 6 hours of first symptoms started. While this appears a great advise, generally does not happen as most elderly visitors do not want to bother their children with health problems unless it is a serious issue. Now, in the process, 6 hours pass by easily and thus dis-qualify for the cover. Your claims are 100 percent denied.

On the other hand full pre-existing condition coverage plans offer to treat new problems, and old problems the same way. What that means is policy holder, a visiting parent is that they do not need to worry about coverage as it would always be covered. We highly recommend any visitors coming to the United States with any kind of known and unknown pre-existing conditions to go for a full cover. There is only one company that offer these plans in the United States, and that is INF Visitor Care at https://ww.infplans.com

Premiums for this great coverage are bit higher but worth every penny as they save thousands of dollars in case something happens without a doubt.

Does Visitor’s Health Insurance Offer a Pregnancy Coverage?

The United States of America is a popular place to have a baby for people from all over the world. However, if a visitor purposely tries to come to the U.S. to get health coverage for existing pregnancy, that won’t be covered.
There are some visitor’s insurance plans with pregnancy coverage on the U.S. market but they all have one important condition – a conception MUST occur AFTER the trip begins.

India Network Visitor’s Health Insurance is offering the following plans with pregnancy coverage:

  1. CHUBB Network plan – is a comprehensive plan with an option to purchase a full pre-existing coverage. This plan offers coverage for emergency medical treatment of pregnancy.
    The features of this plan are:
    * full pre-existing coverage (if chosen) – this plan treats pre-existing conditions the same way as new sickness and accident and extends coverage to inpatient and outpatient care;
    * access to the First Health Providers – where a visitor may get discounted prices and a cashless claim settlement option;
    * $25,000 Accidental Death Coverage;

    * medical evacuation and repatriation services;

    * fewer exclusions – e.g. UTI is covered under this plan;
    * available for Canada too.
    For more details please click here.
  2. CHUBB Premier Plan – is a fixed benefit plan with full pre-existing conditions coverage.
    The features of this plan are:

    * full pre-existing coverage – this plan treats pre-existing conditions the same way as new sickness and accident and extends coverage to inpatient and outpatient care;
    * affordable premiums;

    * option to go to any provider you would like;
    * $25,000 Accidental Death Coverage;

    * medical evacuation and repatriation services;

    * fewer exclusions – e.g. UTI is covered under this plan;
    * available for Canada too.
    For more details please click here.
  3. CHUBB Standard Plan – is a fixed benefit plan with coverage for new sickness and accidents.
    The features of this plan are:
    * low premiums;
    * variety of policy maximums and premiums to choose from;
    * option to go to any provider you would like;

    * $25,000 Accidental Death Coverage;

    * medical evacuation and repatriation services;

    * available for Canada too.
    For more details please click here.
  4. AXIS Planis a fixed benefit plan with pre-existing condition coverage limited to acute onset.
    The features of this plan are:

    * low premiums;
    * variety of policy maximums and premiums to choose from;
    * access to the First Health Providers – where a visitor may get discounted prices and a cashless claim settlement option;

    * access to a U.S. telemedicine physician network through Teladoc;
    * $500,000 Aggregate Sum for Accidental Death Coverage;
    * medical evacuation and repatriation services
    .
    For more details please click here.

All of those plans are underwritten by US-based companies and give 100% guarantee that all eligible claims will get paid.
Give India Network Visitor’s Health Insurance a call at 408-540-3600 today to get a quote for visitor’s health insurance.

Get Ready for a Hurricane

During a hurricane season, every visitor should know how to get everything ready. Here is a list of things every US visitor should follow if a hurricane is coming:

  1. Watch the news and check the weather channel couple time per day – people always need to know updates about a hurricane.
  2.  Buy visitors health insurance – ideally, every visitor should purchase travel insurance prior to landing in the United States. Travel health insurance will help your visitor to get high-quality medical help with fewer out-of-pocket expenses. Especially that is extremely important during hurricane season.
  3. Evacuate if you were told so – if your house is in a safer area get it ready by putting outside furniture, plants, etc. inside your house or garage. Put hurricane shutters on the windows if you can. Get bags with sand to protect your house from flooding. You always can go to a shelter if you don’t feel safe in the house.
  4.  Get enough water and food supply – typically after a hurricane, the power might be out anywhere from a couple of hours to a couple of weeks.
  5. Buy a good flashlight and extra batteries – that will help you if the power goes out.
  6. During a hurricane do not go out – you can get killed or get serious injuries.
  7. After a hurricane be extra careful when you go outside – do not touch any electrical wares outside. Don’t drive until you get the authorities’ permission.

This list is not limited to only those things. To get more details on hurricane preparation please go to government websites. For example, Ready.gov gives you detailed information about hurricane preparation.

India Network Visitor’s Health Insurance is always there when your visitors need a good travel health insurance. We offer fixed benefit, comprehensive and pre-existing coverage.
Call us at 408-540-3600 for more details.

Get One Month Free Visitors Health Insurance

Only 3 days left!
Celebrating 71 years Indian Independence Day, India Network Foundation wants to thank its members for their support throughout the years by providing ONE month free visitors health insurance to all visitors from India to the United States irrespective of their age (0-99 years) for all CHUBB plans.
Save up to $500!

Click here to learn more.

Things Every Visitor Should Know Before Travelling to USA

USA is one of the most popular travel destination around the world. Every summer millions of people come here to spend their vacation or visit family. If it’s your  first trip to USA, here is what you need to know about this country:

1. USA is a country with one of the most expensive prices for medical services and if you get sick here, it might cost you thousands of dollars. Please buy visitor insurance before you leave your home country. Here you can quote and apply for visitor health insurance plans provided by India Network Services.
2. Don’t be surprised to pay more than you see on a store tag because of sales tax. It’s varies depending on what you’re going to buy.
3. Be ready to give tips in restaurants, hotels, SPA, etc. If you’re going to pay with a credit card, you’ll need to write the amount of tip you would like to give on the credit card receipt and add it to the total number on the receipt.
4. USA uses a different measure system – distance in miles, temperature in Fahrenheit, weight in pounds, and height in feet.
5.  Public transportation is often very limited or not available at all in a lot of cities around USA. Roads can be very busy and difficult to navigate, especially if you don’t know English very well. That’s why you need to decide in advance how you’re going to travel in USA and maybe rent a car with good navigation system.
6. Make sure to have a valid credit/debit card. It’s the most popular way of making purchases and payments in USA.
7. Don’t use your cell phone. If you want to save money, you can buy local prepaid cellphone plan or use public Wi-Fi.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Enjoy your trip and if you want to have stress-free time you should buy visitor health insurance. Go to this page to quote and apple for visitor insurance plans provided by India Network Services.

Special Visitor Insurance Plans With Comprehensive Pre-Existing Conditions Coverage from US Insurance Companies

India Network Health Insurance offers CHUBB Network Comprehensive plan and CHUBB Premier Plan for visitors with pre-existing conditions that will help with different life threatening episodes caused by pre-existing conditions as well as doctor visits and out patient care. These plans DO NOT use Acute Onset definition; hence, they provide great coverage with fewer restrictions. CHUBB Premier and Network Plans sponsored by India Network Foundation cover pre-existing conditions, new problems and accidents for inpatient, outpatient care, labs, x-ray and other diagnostic procedures.. These plans are recommended for older people (50 years and up), and for people with pre-existing conditions. Pre-existing condition coverage comes with a separate deductible. CHUBB Network plan and CHUBB Premier plan are the only ones in the country that provide great coverage for elderly parents and grand parents visiting the United States.

CHUBB Network plan covers 80 percent of medical expenses, and the insured is responsible for the remaining 20 percent up to the policy maximum. This is a great plan for older people (50+ years), and people with pre-existing conditions. CHUBB Premier is another cost effective option for people who are looking for pre-existing coverage and willing to take some risk. This is a fixed benefit plan and is more affordable to fit different budgets. All plans offer online application and payment by credit card from anywhere in the World.

India Network Foundation, a non-profit community organization in USA announces immediate availability of visitor health insurance plans covering pre-existing medical conditions for in-patient and out-patient care for all age groups without Acute onset limitations. India Network establishes itself as a trend setter in providing innovative visitor health insurance plan designs oriented towards its members and their families. The main goal of India Network visitor health insurance programs is to provide the best possible cover for elderly visitors from India at the lowest cost possible using only USA based underwriting companies.

Dr. KV Rao, Founder President, India Network Foundation says, “Visitors should stay away from health insurance plans that have pre-existing condition coverage with acute onset definition if they have pre-existing medical conditions. The Acute Onset definition pretty much nullifies the coverage for pre-existing conditions as it is impossible to run to the hospital immediately after feeling some discomfort. Due to this reason, any plans that offer millions of dollars of pre-existing conditions coverage using the “ACUTE ONSET” definition at a very low price. As you see very well, most claims do not qualify under the definition of “acute onset” and you will soon realize that plan has no practical coverage for pre-existing conditions.”

In the context of healthcare in the United States, a pre-existing condition such as high blood pressure, diabetes, asthma, etc., is a pre-existing medical condition that started before person’s health benefits went into effect. Many visitors feel healthy and fit but they might have a condition that they don’t know about. Most insurance companies DO NOT cover pre-existing conditions at all and even if they cover, coverage is very limited to Acute onset coverage and recurrence of pre-existing sickness associated with strict time line. There are many exceptions exist and may nullify the benefits when under acute onset definition. For most insurance companies, insured persons must seek medical attention within 12 or 24 hour window after initial symptoms manifestation in order to be considered. When it comes to extreme conditions like a heart attack or stroke, people need to get immediate care since these conditions can be very severe, and could cost a lot of money and tremendous pressure on family. Any pre-existing coverage that uses “acute onset” definition is likely to deny almost all claims for pre-existing conditions in normal course.

About India Network Health Insurance
India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups with both fixed coverage, comprehensive coverage and with pre-existing condition coverage.
For more information please visit https://www.kvrao.org

Travel Advisory Visitor Coming To The US During Summer 2018

Planning a vacation or visiting grandchildren in the United States is always exciting. However whether you are going to see family and friends, starting a new job, going to school, or on a trip, having a good visitor health insurance is the most important thing you can do for yourself and your loved ones. Some people may argue that they are healthy or their medical conditions are under control, but the reality is, anything can happen. While having fun, you could get into accidents or catch cold by simply sitting next to a sick person. Diabetes and high blood pressure are universal problems that most elderly visitors from India and other countries are facing, and they are all pre-existing conditions that could lead to other health complications.

Getting everything ready for international travel can be very overwhelming. Here we will tell you how to get ready for your trip to USA:

1. Get visitor health insurance. It’s extremely important to get a proper coverage for Visitor Health Insurance. Medical bills in the US can be thousands of dollars. Here you can learn more about Visitors Health Insurance Plans offered by India Network Services.
2. Get a passport. If you already have one, make sure it’s current. Also you need to make a copy of your passport in case you lose it.
3. Check visa requirements for USA. You might need to apply for a visa in advance or you might not need a visa at all.
4. Get all the medications you need and if you have any pre-existing conditions, you should visit your doctor and ask for recommendations regards to your trip.
5. Make sure your credit card will work in USA. If not, get enough cash or travel vouchers. Also let your bank know that you’re going to use your credit card abroad.
6. Pay your upcoming bills before you leave or ask your family members or friends to pay it for you or set up payment online.
7. Pack smart – don’t bring things you’re not going to use during your trip. Don’t forget to put a tag with your name, address and phone number on your luggage.
8. Enjoy your trip!

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

For more information please visit https://www.kvrao.org

Your Options for Pre-Existing Coverage: CHUBB Premier Plan VS. AXIS Plan

The big difference between these two plans are  CHUBB Premier Plan considers pre-existing conditions the same way as new problems and coverage extended to inpatient, outpatient care etc. AXIS Plan offers only inpatient acute onset coverage for pre-existing problems. This is a very restrictive coverage and also, very small amount for pre-existing problems meaning that if you feel that something is not right with you and you don’t go to ER or to your doctor with in 12 hours of experiencing acute onset of a pre-existing condition, the insurance company won’t pay for any of your medical bills.

CHUBB Premier Plan is a fixed benefit plan with coverage for new problems, accidents and pre-existing conditions with a variety of deductible options for new medical conditions and pre-existing medical conditions. This plan offers cost effective pre-existing coverage but there is some risk in terms of leftover bills after the plan payments. There are no network benefits under this plan and you can go to any provider you like and plan will pay fixed amounts as per policy benefits. Minimum Purchase required: 90 days.
For more details click here.

AXIS Plan with pre-existing condition coverage*  is a fixed benefit plan and it’s available with $25,000, $50,000, $75,000, $100,000, $150,000 and $250,000 maximum coverage with $75, $250, $500, $1,000, $5,000 and $10,000 deductible options with access to First Health PPO providers( pre existing max coverage starts from $1,000 up to $15,000 depending on policy max and deductible). AXIS Plan with Pre-Existing Coverage comes with Accidental Death Benefit, Medical Evacuation, and Repatriation benefits. Also includes access to a U.S. telemedicine physician network through Teladoc. Minimum Purchase required: One Month.
For more details click here.
*Pre-existing limited to Acute Onset coverage.

Think twice before you buy visitor health insurance plan. AXIS Plan with pre-existing coverage is a little bit cheaper at the beginning than CHUBB Premier plan, but in a long term CHUBB Premier plan will benefit and cover your pre-existing conditions much better and you won’t need to run to ER every time when you experience a little discomfort.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Please visit this page to get a quote for Visitor Health Insurance plans offered by India Network Services.

How To Pack Light

Here is what you need to do when you want to travel, you might wonder how to make your suitcase lighter:

  1. Depending on where you’re going, make a list of the things you will need. Don’t take too much clothes, choose light, comfortable clothes which will mix well together. Also, don’t forget the number of days you’ll be away and don’t take more than that.
  2. Don’t forget to put a special label with your name, address and phone number on your luggage.
  3. Come to the airport in advance to make sure that you have enough time to check in your luggage and that it’s under the weight limit.
  4. Call your airline company and find out your luggage limit, unless you want to pay extra if you’re over the limit. Some airline companies let you to take more luggage, some of them don’t let you any luggage at all unless you pay for it.
  5. Find a lightweight right size suitcase. Some suitcases are made from heavy materials and when you add your stuff there it might be over the weight limit and you will end up paying a lot of money for extra luggage.
  6. Get all the documents you will need like passport, visa, medical reports if any, during your trip including visitor health insurance which will protect your health during any medical emergencies. Please visit this page to get a quote for Visitor Health Insurance plans offered by India Network Services.
  7. Enjoy your trip.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Please visit this page to get a quote for Visitor Health Insurance Plans offered by India Network Services.

Visitor Insurance For Senior Parents

There are a lot of health issues that can rise during their visit. Based on age, most parents can easily experience emergency conditions like heart attack, stroke, asthma attack, high blood sugar, and more. These conditions are typically related to age or different pre-existing conditions. It’s always nice to have your parents visiting you in the U.S. Whether your parents’ visit is for family reunion, playing with grandchildren, tourism, or vacation, visitor health insurance is very important.

India Network Health Insurance advises every parent visiting from India to take a health insurance plan that covers pre-existing conditions. Recent analysis of claims data shows that majority of high volume and high dollar value claims are originating from pre-existing conditions. An insurance policy without pre-existing coverage is limited to accidents and new problems only, which are not frequent and costs much less.

Which is the best visitor health insurance for parents visiting USA?

*CHUBB Premier Plan. This is a fixed benefit plan that is also good for people with pre-existing conditions. It’s affordable to fit different budgets and great for different age groups.

* AXIS plan is a very affordable plan that provide coverage for both new sicknesses, accidents, and pre-existing conditions. This is a fixed benefits plan which is limited to acute onset coverage only.

*The most recommended plan is CHUBB Network 80/20: This is a comprehensive plan that treats both new and pre-existing illnesses the same way. After deductible, CHUBB Network plan covers for 80 percent of medical expense, and the insured is responsible for the remaining 20 percent. It is a great plan for older people and people with pre-existing conditions.

If I bring my parents with visitor visa, can they get health insurance?

Yes, they can get visitor health insurance from India Network Foundation. Visitor health insurance is not only important to your guest, but also to you as a sponsor. We offer different health insurance plans for parents visiting USA. Visitors can get insurance coverage depending on their age, health, budget, and time of their stay. Visitor medical insurance is designed to cover for emergency medical needs, accidents and new sicknesses. Anything can go wrong during the visit, that’s why we provide affordable and reliable health insurance to all U.S. visitors.

My parents have green card, but they live in India and come to the U.S. to visit. Can they get visitor health insurance?

Our visitor health insurance plans are designed for all visitors. Even though they have green card, they can still qualify for most of our plans since they are visitors to the U.S.

Do I need pre-existing coverage for my parents even though they are healthy?

Yes. Age is another factor to consider when it comes to pre-excisting conditions. We recommend plans with pre-exisitng coverage for anyone over 50 years old.

My dad has diabetes, and his condition is under control. Does he still need a plan with pre-existing?

Yes. Pre-existing plans covers for all illnesses that are originated from conditions like diabetes, heart conditions, and others. Our plans will provide coverages for heart attack, stroke, and many other conditions.

Is medical examination required when purchasing visitor insurance plan?

No, Medical examination is not required for CHUBB plans if purchased before arriving to the United States. It is only required when a visitor is already in the U.S.

Please visit this page to buy & compare Visitor Health Insurance Plans offered by India Network Services.

The most important thing to keep in mind before buying a visitor health insurance is to read and to understand the plans and exceptions. It is good to know what will be covered and how the coverage process works, so that you can align your needs to the insurance plan that will better work for you and your family. Call us for more information about our visitor medical insurance plans today!