Accidental Death and Dismemberment Program is a Must Have for Every US Visitor

United States of America is a beautiful country with wonderful nature and different cultures. When you have family members or friends living in the US, they probably will want you to come visit them in the US. You definitely should use a chance to spend time with your loved ones and to see the country. However USA is not perfect and some things can be very frustrating, for example, medical bills. Please go here to read why it's so important to have a visitor health insurance.

You may argue that you are healthy or your medical conditions are under control, but the reality is, anything can happen. While having fun, you could get into accidents, get run over by a car or get terminal illness and all you would want to do is getting back home. And than what?

In these sad circumstances when death occurs during your travel, all the expenses will be on your US family or friends. That's not what kind of memory you want to leave after you. You always want them to remember all the happy time you spend together not a memory of paying thousand of dollars in bills you left behind.

India Network Services is here to help you. We are happy to offer you the following program which will take care of all expenses of returning your remains to your home country and some other expenses you might have:

The CHUBB Accidental Death and Dismemberment program is designed as essential coverage for anyone visiting, studying or working in the United States. The plan offerings are as follows: $25,000, $50,000 and $100,000 maximum AD&D benefit and the plan includes repatriation benefit in case the insured dies while visiting the USA. Minimum duration required to enroll is one year. All non-US citizens are eligible to apply. This plan covers losses of limbs, vision, hearing, speech and more.
Premiums for 12 months coverage are only $18 for $25K and $36 for $50K and $72 for $100K program. India Network highly recommends this benefit for all members of various community groups, and students.
Please read more about Accidental Death and Dismemberment program.

Also if you don't want to buy Accidental Death and Dismemberment program this time, you always can buy one of our visitor insurance plans which already include Accidental and Dismemberment coverage. You can go to this page and learn more about all visitor health insurance plans we offer.

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 of Visitor Health Insurance Plans offered by India Network Services.

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Visitor Health Insurance Plans With Pregnancy Coverage

Every year a lot of people come to the U.S. to give birth to their children. While there are no exact numbers on 'birth tourism', it was estimated by the Center for Immigration Studies that about 36,000 women come to the United States every year to give birth in order to obtain U.S. citizenship for their children (please go to the Center for Immigration Studies' website to learn more). But there is another big group of people who work or study in the U.S. and plan to become pregnant. They might need a visitor insurance with pregnancy coverage.

Pregnancy is medically viewed as a high risk period, the visitor health insurance companies do not usually cover pregnancy and childbirth  for tourists traveling outside of home country.

Unlike them India Network Services is pleased to offer the following plans with pregnancy coverage:

1.CHUBB Standard Visitor Insurance. This is a fixed benefit plan covering new medical conditions, and accidents and no pre-ex coverageIt offers $50,000, $100,000 and $150,000 policy maximum with a choice of deductible of $75, $250 and $500 (only for ages 70+) based on the age groups. There are no network benefits under this plan and you can go to any provider you like and plan will pay fixed amounts.
TIP: Recommended for visitors with no pre-existing issues, interested in coverage for accidents and new medical conditions with low insurance premium cost from an American Insurance Company. Minimum purchase required: One Month. More details click here.

2.CHUBB Premier Visitor Health Insurance Plan.This 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.
TIP: Recommended for visitors with pre-existing conditions looking for cost effective alternative to the network benefits and willing to take some risk in terms of leftover bills after the plan payments. Highly recommended for anyone above ages 50. There are no network benefits under this plan and you can go to any provider you like and plan will pay fixed amounts. Minimum purchase duration required: Three months (90 Days) and renewal available for any length of time after 90 days. For more details click here.

3.AXIS Plan with Pre-Existing Conditions Coverage*. This plan is available with $25,000, $50,00, $75,000, $100,000, $150,000 and $250,000 maximum coverage with $75, $250, $500, $1,000, $5,000 and $10,000 deductible options. This is a Fixed Benefits program with access to First Health PPO providers. 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.
TIP: Recommended for visitors with pre-existing issues who want to have pre-exisiting conditions coverage from a US-based insurance company
Minimum Purchase required: One Month. More detailclick here.
*Pre-existing limited to Acute Onset coverage.

Please remember that visitor insurance plans will not cover pregnancy and maternity benefits for an existing pregnancy. Conception MUST occur AFTER the Trip begins.

When you travel, always have Visitor Health Insurance. That will help you during any medical emergencies. On this page you can compare and apply for Visitor Health Insurance plans offered by India Network Services.

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 pre-existing condition coverage.

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

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What is the best Visitor Insurance Plan for a person with pre-existing conditions?

What would be the best option for your loved ones? We often get this question from our clients when they shop for visitor health insurance.  We always recommend to get CHUBB Network Plan. Especially for older people and for people with pre-existing conditions such as high blood pressure, diabetes, asthma, etc... You can learn more about CHUBB Network Plan and get the plan brochure here.
For senior people and for people with pre-existing conditions is very important to have good coverage NOT limited to any fixed prices for medical services. CHUBB Network Plan is NOT FIXED benefit plan and does not limit amount of money you need for every medical service (within the maximum policy coverage). The premiums for CHUBB Network Plan cost more but the coverage is better. The insurance reprices the bills and pays 80 percent of covered expenses and you pay only 20% after the deductible. This plan has FirstHealth PPO network. It's available with maximum coverage of $150,000 for ages 69 and under; and $75,000 for ages 70-99 with a deductible of $1,500.This plan also includes Accidental Death Dismemberment of $25,000Emergency Medical Evacuation Benefit and Repatriation of Remains Benefit. It is the best plan for people with health problems who doesn't want to take a chance to risk with getting cheaper plan with bad coverage.

To be able to get medical help right away, you need to get a Visitor Health Insurance. That will help you during any medical emergencies. On this page you can compare and apply for Visitor Health Insurance plans offered by India Network Services.

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 of Visitor Health Insurance Plans offered by India Network Services.

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What is the difference between AXIS plan with pre-existing coverage, CHUBB Network and CHUBB Premier plans?

In the context of healthcare in the United States, a pre-existing condition such as high blood pressure, diabetes, asthma, ect., is a medical condition that started before a person's health benefits went into effect. You might look and feel healthy, but you might have a condition that you don’t know about. It's very painful to find out about a sickness when it's too late. Most insurance companies do not cover pre-existing conditions.

 

AXIS plan vs. CHUBB plans with pre-existing condition coverage

 

The main difference between AXIS plan with pre-existing coverage, CHUBB Network and CHUBB Premier plans are pre-existing condition limitation to Acute Onset.
CHUBB Network and CHUBB Premier DO NOT have any Acute Onset limitation. You can go to a doctor anytime you want.

CHUBB Network plan covers for 80 percent of medical expense, 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 Network plan uses a very broad definition of pre-existing conditions - pre-existing conditions are covered in the same way like new problems and accidents except they are subject to different deductible and different policy max.

CHUBB Premier is another 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. This plan uses a very broad definition like network plan and pays for both pre-existing conditions and new problems using schedule of benefits (Fixed benefits).

AXIS plan with pre-existing coverage DOES have Acute Onset requirement. If you experience an acute onset of a pre-existing condition, benefits are payable according to your policy benefits. Treatment for said condition must be obtained within 12 hours of the sudden and unexpected outbreak or reoccurrence. This is a fixed benefit with very limited coverage of up to $1000 for pre-existing conditions based on a very restrictive definition of acute onset, a common definition used by industry in travel insurance market. Not recommended for any one with serious pre-ex conditions.

 

What is Acute Onset?

Most insurance companies don't offer pre-existing coverage, but do offer acute onset coverage. There are a lot of exceptions that may apply when it comes to acute onset. For most insurance companies, insured must seek medical attention within 12 or 24 hour window after initial symptoms manifestation in order to be considered acute onset.

 

What you need to know about acute onset

You should seek medical attention as soon as you experience any symptoms. 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.
People should stay away from insurance plans that have pre-existing condition coverage with acute onset definition. This definition pretty much nullifies the coverage you were expecting for pre-existing conditions as it is impossible to run to the hospital immediately after 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.


Any pre-existing coverage that uses "acute onset" definition is likely to deny your claims.

To be able to get medical help right away, you need to get a Visitor Health Insurance. That will help you during any medical emergencies. On this page you can compare and apply for Visitor Health Insurance plans offered by India Network Services.

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 pre-existing condition coverage.

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

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India Network Visitor Health Insurance announces New Pre-existing Conditions Health Insurance Plans for Visitors to the USA in 2018

India Network is pleased to announce new programs and plan options for visitors coming to the USA in 2018. India Network Foundation is a non-profit organization with more than 30 years of experience in helping foreign visitors to the United States through sponsorship of various visitor health insurance plans. The visitor medical insurance plans offer affordable health insurance for all age groups of visitors (0 - 99 years old) irrespective of their health conditions. Coverage is available for pre-existing conditions through American insurance companies and all claim processing is carried out in the United States. Every year, thousands of families benefit from India Network Visitor Health Insurance plans that facilitate visits from parents and grandparents from around the world to the USA.

India Network Plans in 2018 are underwritten by CHUBB American Insurance Company and AXIS American Insurance Company of USA. The AXIS American Insurance company provides programs that offer value for the money to anyone looking for a good visitor health insurance coverage and willing to take higher responsibility for out of pocket costs. The BasicCare Fixed Benefits Plan provides minimum essential coverage for any healthy visitor coming to the United States with lowest premiums possible. Medical Evacuation, Repatriation, and Accidental Death and Dismemberment coverage is also included in the minimum essential program. The AXIS Plans offer fixed benefits with limited pre-existing conditions, defined to cover acute onset of pre-existing conditions. More details on this specific coverage can be found at http://www.kvrao.org

CHUBB Insurance company underwrites India Network Health Insurance fixed coverage programs and network plans. These plans offer excellent coverage for pre-existing conditions, new problems and accidents. The CHUBB Premier and Network Plans offer pre-existing conditions coverage on par with new problems and accidents. A major deviation in definition of pre-existing conditions coverage make these plans life savers for many visitors over the years. The Network Program pays 80 percent of covered medical expenses for covered pre-existing conditions and non-pre-existing conditions. A unique feature of the CHUBB program is to provide unconditional medical insurance coverage for a visitor who can be assured of their coverage, for example, a visit to emergency room, irrespective of the reason.

"India Network Foundation has been working with several American Insurance companies such as Gerber Life, AIG, ACE, AXIS and CHUBB since its inception in1990s to provide excellent health insurance coverage for Asian Indians and others visiting the USA. CHUBB has more than $160 billion in assets and $35 billion of gross premiums written in 2016. CHUBB’s core operating insurance companies maintain financial strength ratings of A++ from A.M. Best. It reassures our members that they are in good hands when they get their coverage through India Network Sponsored Plans," said Dr. KV Rao, Founder President of India Network Foundation, USA.

About India Network Foundation

India Network Foundation, established as a US non-profit organization, has been helping the Asian Indian community in North America with programs and grants to academics from India for more than two decades. India Network Foundation sponsors visitor health insurance to tourists, students, temporary workers (H1 visa holders) and their families. All insurance products are administered by India Network Services.

For more information visit http://www.indianetwork.org

About India Network Health Insurance

India Network Services is a US based company that administers visitor health insurance to transition residents, 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 http://www.kvrao.org

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Hypothermia: Learn why cold weather can be dangerous for you

This winter in USA has been extremely cold. Plummeting temperatures broke records in several states. That's why it's important to know why cold weather can be dangerous for you. Centers for Disease Control and Prevention is going to help you to learn more about cold. You can go to their website to read more. Remember to get a  Visitor Health Insurance before you visit the U.S. Medical bills  can cost you thousands of dollars. Go to this website to learn why it's important to have a Visitor Health Insurance. Here you can learn more about Visitors Health Insurance Plans offered by India Network Services.

Hypothermia, or abnormally low body temperature, is a dangerous condition that can occur when a person is exposed to extremely cold temperatures. Stay safe this winter by learning more about hypothermia, including who is most at risk, signs and symptoms, and what to do if someone develops hypothermia.

What is Hypothermia?

  • Hypothermia is caused by prolonged exposures to very cold temperatures. When exposed to cold temperatures, your body begins to lose heat faster than it’s produced. Lengthy exposures will eventually use up your body’s stored energy, which leads to lower body temperature.
  • Body temperature that is too low affects the brain, making the victim unable to think clearly or move well. This makes hypothermia especially dangerous, because a person may not know that it’s happening and won’t be able to do anything about it.
  • While hypothermia is most likely at very cold temperatures, it can occur even at cool temperatures (above 40°F) if a person becomes chilled from rain, sweat, or submersion in cold water.

Who’s Most at Risk?

Victims of hypothermia are often:

  • Older adults with inadequate food, clothing, or heating
  • Babies sleeping in cold bedrooms
  • People who remain outdoors for long periods—the homeless, hikers, hunters, etc.
  • People who drink alcohol or use illicit drugs.

Recognizing Hypothermia

Warnings signs of hypothermia:

Adults:

  • shivering, exhaustion
  • confusion, fumbling hands
  • memory loss, slurred speech drowsiness

Infants:

  • bright red, cold skin
  • very low energy

Don’t Wait- Take Action

If you notice any of these signs, take the person’s temperature. If it is below 95° F, the situation is an emergency—get medical attention immediately.

If medical care is not available, begin warming the person, as follows:

  • Get the victim into a warm room or shelter.
  • If the victim has on any wet clothing, remove it.
  • Warm the center of the body first—chest, neck, head, and groin—using an electric blanket, if available. You can also use skin-to-skin contact under loose, dry layers of blankets, clothing, towels, or sheets.
  • Warm beverages can help increase body temperature, but do not give alcoholic beverages. Do not try to give beverages to an unconscious person.
  • After body temperature has increased, keep the person dry and wrapped in a warm blanket, including the head and neck.
  • Get medical attention as soon as possible.

A person with severe hypothermia may be unconscious and may not seem to have a pulse or to be breathing. In this case, handle the victim gently, and get emergency assistance immediately.

  • Even if the victim appears dead, CPR should be provided. CPR should continue while the victim is being warmed, until the victim responds or medical aid becomes available. In some cases, hypothermia victims who appear to be dead can be successfully resuscitated.

Be Prepared

Taking a first aid and emergency resuscitation (CPR) course is a good way to prepare for cold-weather health problems. Knowing what to do is an important part of protecting your health and the health of others.

Taking preventive action is your best defense against having to deal with extreme cold-weather conditions. By preparing your home and car in advance for winter emergencies, and by observing safety precautions during times of extremely cold weather, you can reduce the risk of weather-related health problems.

Please go to this website to read more.

To be able to get medical help right away and don't get yourself in financial troubles, you need to get a Visitor Health Insurance. That will help you during any medical emergencies. On this page you can learn more about Visitor Health Insurance plans offered by India Network Services.

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 pre-existing condition coverage.

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

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All about the Flu – something every visitor should know

Sometimes it's hard to distinguish the flu from a cold. U.S. Department of Health and Human Services will help you better understand the difference. You should go on their website to get more useful information. You also can protect yourself from the flu with Visitor Health Insurance. That will help you to get a medical help right away and get well faster. Please go on our website to learn more.

Each winter, millions of people suffer from seasonal flu. Flu—the short name for influenza—is caused by viruses. Viruses are very small germs. Some viruses can spread easily from one person to another. They cause illnesses or infections like the flu.

Flu is a mild illness for some people. For older people, especially those who have health problems like diabetes or heart disease, the flu can be very serious, even life-threatening.

How Serious Is Flu?

Most people who get the flu feel much better in a week or two. But, some people can get very sick. For example, because your body is busy fighting off the flu, you might pick up a second infection. Older people are at great risk of these secondary infections, such as pneumonia.

How Does Flu Spread?

The flu is contagious—that means it spreads from person to person, often through the air. You can pass on the infection before you feel sick. You are contagious for several days after you get sick. You can catch the flu when someone near you coughs or sneezes. Or, if you touch something the virus is on, and then touch your nose or mouth, you could catch the flu. The flu virus can live on a surface like a book or doorknob for a number of hours. Remember to wash your hands often when you are around someone who is sick. Make a point of washing them before eating or touching your eyes, nose, or mouth. If you can, stay away from sick people. That will help stop the flu from spreading.

Is It the Flu or a Cold?

It's easy to confuse a common cold with seasonal flu. A cold is milder than the flu, but since the flu can make older people very sick, you should know the difference. That way you will know when to call the doctor, who might want to give you a prescription for medicines that can help you get over the flu.

People with the flu can have fever, chills, dry cough, general aches and pains, and a headache. They feel very tired. Sore throat, sneezing, stuffy nose, or stomach problems are less common. What some people call "stomach flu" is not influenza.

Symptoms If It's a Cold If It's the Flu

Fever

Rare Usual

Headache

Rare Common

General aches, pains

Slight Usual; often severe

Tiredness, weakness                         

Sometimes Usual; can last 2 to 3 weeks

Extreme exhaustion

Rare Usual; when first become sick

Stuffy nose

Common Sometimes

Sneezing

Usual Sometimes
Sore throat Common

Sometimes

Chest discomfort, cough

Mild to moderate hacking cough Common; can become severe

What Can I Do If I Get the Flu?

If you get the flu, there are things you can do to feel better. First, call your doctor to see if there are medicines that can help. Remind him or her if you are taking drugs to fight cancer or other medicines that make it hard for your body to fight illness. There are prescription drugs, called antivirals, that are used to treat people with the flu. If you take them within 48 hours after the flu begins, these drugs can make you feel better more quickly. Antibiotics do not help you get over the flu. They are sometimes prescribed to help you get over a secondary infection if it is caused by bacteria. Bacteria are a different type of germ than viruses.

Antivirals can also be used to prevent flu. If you hear that there is a flu outbreak in your area, check with your doctor. He or she could prescribe an antiviral that might protect you. Prevention is key.

If you are sick, try to rest in bed and drink plenty of fluids, like juice and water but not alcohol. Medicine such as acetaminophen can bring down your fever, which might help with the aches and pains. It is important not to smoke if you are sick with the flu. It is a respiratory illness that can infect your lungs, as well as your nasal passages. These same areas are also bothered by smoking. Take it easy as much as you can until you are well.

Please go here to read  the full article.

Stay healthy and get yourself covered from the coming flu season by buying a proper Visitor Health Insurance offered by India Network Services. More details here.

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 pre-existing condition coverage.

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

 

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How To Improve Emotional Wellness and Overall Health

Emotional wellness is a key component of overall health. National Institute of Health will educate you about your emotional health and how to improve it. Go to their website to learn more information. You also can get rid of all worries by purchasing Visitor Health Insurance with good medical coverage before your trip to the U.S. Please go on our website to learn more.

How you feel can affect your ability to carry out everyday activities, your relationships, and your overall mental health. How you react to your experiences and feelings can change over time. Emotional wellness is the ability to successfully handle life’s stresses and adapt to change and difficult times. Flip each card below for checklists on how to improve your health in each area. Click on the images to read articles about each topic. You can also print the checklists separately or all together to share with others or as a reminder to yourself.

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6 strategies for improving your emotional health

Brighten your outlook

Illustration of computer with bird on tree visible through window in background

People who are emotionally well, experts say, have fewer negative emotions and are able to bounce back from difficulties faster. This quality is called resilience. Another sign of emotional wellness is being able to hold onto positive emotions longer and appreciate the good times.

To develop a more positive mindset:

  • Remember your good deeds.Give yourself credit for the good things you do for others each day.
  • Forgive yourself. Everyone makes mistakes. Learn from what went wrong, but don’t dwell on it.
  • Spend more time with your friends. Surround yourself with positive, healthy people.
  • Explore your beliefs about the meaning and purpose of life.Think about how to guide your life by the principles that are important to you.
  • Develop healthy physical habits. Healthy eating, physical activity, and regular sleep can improve your physical and mental health.
  • Read more

Reduce stress

Adult friends enjoying warm fire and hot beverages

Everyone feels stressed from time to time. Stress can give you a rush of energy when it’s needed most. But if stress lasts a long time—a condition known as chronic stress—those “high-alert” changes become harmful rather than helpful. Learning healthy ways to cope with stress can also boost your resilience.

To help manage stress:

  • Get enough sleep.
  • Exercise regularly. Just 30 minutes a day of walking can boost mood and reduce stress.
  • Build a social support network.
  • Set priorities. Decide what must get done and what can wait. Say no to new tasks if they are putting you into overload.
  • Think positive. Note what you’ve accomplished at the end of the day, not what you’ve failed to do.
  • Try relaxation methods.Mindfulness, meditation, yoga, or tai chi may help.
  • Seek help. Talk to a mental health professional if you feel unable to cope, have suicidal thoughts, or use drugs or alcohol to cope.
  • Read more

Get quality sleep

Illustration of a man arising from bed in the morning

To fit in everything we want to do in our day, we often sacrifice sleep. But sleep affects both mental and physical health. It’s vital to your well-being. When you’re tired, you can’t function at your best. Sleep helps you think more clearly, have quicker reflexes and focus better. Take steps to make sure you regularly get a good night’s sleep.

To get better quality sleep:

  • Go to bed the same time each night and get up the same time each morning.
  • Sleep in a dark, quiet, comfortable environment.
  • Exercise daily (but not right before bedtime).
  • Limit the use of electronics before bed.
  • Relax before bedtime. A warm bath or reading might help.
  • Avoid alcohol and stimulants such as caffeine late in the day.
  • Avoid nicotine.
  • Consult a health care professional if you have ongoing sleep problems.
  • Read more

Be mindful

illustration-computer-window-tree-bird

The concept of mindfulness is simple. This ancient practice is about being completely aware of what’s happening in the present—of all that’s going on inside and all that’s happening around you. It means not living your life on “autopilot.” Becoming a more mindful person requires commitment and practice. Here are some tips to help you get started.

To be more mindful:

  • Take some deep breaths.Breathe in through your nose to a count of 4, hold for 1 second and then exhale through the mouth to a count of 5. Repeat often.
  • Enjoy a stroll. As you walk, notice your breath and the sights and sounds around you. As thoughts and worries enter your mind, note them but then return to the present.
  • Practice mindful eating. Be aware of taste, textures, and flavors in each bite, and listen to your body when you are hungry and full.
  • Find mindfulness resources in your local community, including yoga and meditation classes, mindfulness-based stress reduction programs, and books.
  • Read more

Cope with loss

Sports fans planning to go to a game

When someone you love dies, your world changes. There is no right or wrong way to mourn. Although the death of a loved one can feel overwhelming, most people can make it through the grieving process with the support of family and friends. Learn healthy ways to help you through difficult times.

To help cope with loss:

  • Take care of yourself. Try to eat right, exercise, and get enough sleep. Avoid bad habits—like smoking or drinking alcohol—that can put your health at risk.
  • Talk to caring friends. Let others know when you want to talk.
  • Find a grief support group. It might help to talk with others who are also grieving.
  • Don’t make major changes right away. Wait a while before making big decisions like moving or changing jobs.
  • Talk to your doctor if you’re having trouble with everyday activities.
  • Consider additional support.Sometimes short-term talk therapy can help.
  • Be patient. Mourning takes time. It’s common to have roller-coaster emotions for a while.
  • Read more

Strengthen social connections

Collage of four illustrations of people making social connections

Social connections might help protect health and lengthen life. Scientists are finding that our links to others can have powerful effects on our health—both emotionally and physically. Whether with romantic partners, family, friends, neighbors, or others, social connections can influence our biology and well-being.

To build healthy support systems:

  • Build strong relationships with your kids.
  • Get active and share good habits with family and friends.
  • If you’re a family caregiver, ask for help from others.
  • Join a group focused on a favorite hobby, such as reading, hiking, or painting.
  • Take a class to learn something new.
  • Volunteer for things you care about in your community, like a community garden, school, library, or place of worship.
  • Travel to different places and meet new people.
  • Read more

Please go to this page to read more.

Stay healthy and get yourself covered from a stress of having unexpected medical bill by buying a proper Visitor Health Insurance offered by India Network Services. More details here.

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 pre-existing condition coverage.

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

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How to stay healthy in cold weather – Tips for Visitors and Locals

With a new cold front coming up it's important to stay warm. The Centers for Disease Control and Prevention will tell you how to protect yourself from the cold weather. You can go to their website to learn more useful information about your health. Also get yourself protected with Visitor Health Insurance. It will help you to get medical help right away when you need it. Please go to this website lo learn more about Visitor Health Insurance Plans offered by India Network Services.

Staying out in the cold too long can cause serious health problems. Hypothermia and frostbite are the most common cold related health problems.

Hypothermia

Hypothermia, or abnormally low body temperature, is a dangerous condition that can occur when a person is exposed to extremely cold temperatures. Body temperature that is too low affects the brain, making the victim unable to think clearly or move well.

Stay safe this winter by learning more about Hypothermia, including who is most at risk, signs and symptoms, and what to do if someone develops hypothermia.

Frostbite

Frostbite is a bodily injury caused by freezing that results in loss of feeling and color in affected areas. Frostbite can permanently damage the body, and severe cases can lead to amputation.

Stay safe this winter by learning more about Frostbite, including who is most at risk, signs and symptoms, and what to do if someone develops frostbite.

Please go here to read more.

To be able to get medical help right away and don't get yourself in financial troubles, you need to get a Visitor Health Insurance. That will help you during any medical emergencies. On this page you can learn more about Visitor Health Insurance plans offered by India Network Services.

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 pre-existing condition coverage.

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

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A special diet helps people prevent pre-existing conditions and treat high blood pressure, lower blood cholesterol

U.S. Department of Health & Human Services always provides you with a current information about your health. Their goal is to protect the health of all Americans and providing essential human services. You can go to their website to learn more information.

If you have any pre-existing condition, you need to purchase Visitor Health Insurance with pre-existing condition coverage. Go to this page to learn more about travel insurance cover for pre-existing conditions before your trip.

For the eighth consecutive year, U.S. News and World Report ranked the National Institutes of Health-developed DASH Diet “best overall” diet among nearly 40 it reviewed. The announcement came just as new research suggests that combining DASH, or Dietary Approaches to Stop Hypertension, with a low-sodium diet has the potential to lower blood pressure as well as or better than many anti-hypertension medications.

With its focus on vegetables, fruits, whole grains, low-fat dairy, and lean proteins, DASH,  tied this year for “best overall” diet and was ranked No. 1 in the “healthy eating” and “heart disease prevention” categories.

According to the World Health Organization, hypertension, more commonly referred to as high blood pressure, is the most common chronic condition worldwide. It is a major risk factor for heart disease, affects 1 billion people, and accounts for 1 in 8 deaths each year.

Researchers funded by NIH’s National Heart, Lung, and Blood Institute (NHLBI) developed DASH to prevent and treat high blood pressure, but the diet also has proven highly effective in lowering blood cholesterol.

“The consistent high rankings of DASH over the years bode well for the way the diet is received and adopted, not just by health professionals, but by the public at large,” said Janet de Jesus, M.S., registered dietitian and program officer at NHLBI’s Center for Translation Research and Implementation Science. “This is especially gratifying now that new research underscores the significant blood-pressure lowering effects of a reduced intake of sodium in combination with the DASH diet.”

Previous research has shown that people who follow the DASH diet may be able to reduce their blood pressure by a few points in just two weeks. Over time, their systolic blood pressure (the top number in a blood pressure reading) could drop by eight to 14 points, which significantly reduces the risk of cardiovascular disease.

The positive health effects could be even greater if DASH is combined with a low sodium diet. An NHLBI-funded study(link is external) of more than 400 adults with prehypertension, or stage 1 high blood pressure, found that the combination of a low-salt diet with DASH substantially lowers systolic blood pressure. The results were impressive, according to de Jesus. Overall, participants who started out with the highest blood pressure achieved the greatest reductions.

“An interesting aspect of the DASH diet is that the effects are greater in people with hypertension or higher blood pressure at baseline, which is comparable to anti-hypertensive medications,” said Stephen Juraschek, M.D., an adjunct assistant professor at Johns Hopkins University, Baltimore, and an instructor of medicine at Harvard Medical School, Boston, and the study’s first author. “Our results add to the evidence that dietary interventions can be as effective as – or more effective than – antihypertensive drugs in those at highest risk for high blood pressure, and should be a routine first-line treatment option for such individuals.”

DASH is not a fad diet, but a healthy eating plan that supports long-term lifestyle changes. It is low in saturated fat, trans fat, and cholesterol. It emphasizes fruits, vegetables, and low-fat dairy foods, and includes whole grains, poultry, fish, lean meats, beans, and nuts. It is rich in potassium, calcium, and magnesium, as well as protein and fiber. However, it calls for a reduction in high fat red meat, sweets, and sugary beverages.

The DASH diet was one of 38 diets reviewed and scored by the U.S. News and World Report’s panel of health experts. To receive top ratings a diet must be relatively easy to follow, nutritious, safe, effective for weight loss and protective against diabetes and heart disease.

Part of the National Institutes of Health, the National Heart, Lung, and Blood Institute (NHLBI) plans, conducts, and supports research related to the causes, prevention, diagnosis, and treatment of heart, blood vessel, lung, and blood diseases; and sleep disorders. The Institute also administers national health education campaigns on women and heart disease, healthy weight for children, and other topics. NHLBI press releases and other materials are available online at https://www.nhlbi.nih.gov.

About the National Institutes of Health (NIH): NIH, the nation's medical research agency, includes 27 Institutes and Centers and is a component of the U.S. Department of Health and Human Services. NIH is the primary federal agency conducting and supporting basic, clinical, and translational medical research, and is investigating the causes, treatments, and cures for both common and rare diseases. For more information about NIH and its programs, visit www.nih.gov.

Please go to this website to read more.

What visitors traveling to USA, Canada, and Mexico should consider:

Most people have different pre-existing conditions that they might not be aware of when traveling. Due to these statistics, it is important for visitors to get visitor health insurance with pre-existing coverage in order to stay safe while visiting USA. India Network Health Insurance provides cashless insurance coverage for visiting parents, temporary workers, international students, and more. The Plans are underwritten by American Insurance Companies.

Recommended Visitor Health Insurance Plans:

CHUBB Network: This is a comprehensive plan that treats both new and pre-existing illnesses the same. CHUBB Network plan covers for 80 percent of medical expense, and the insured is responsible for the remaining 20 percent up to  policy maximum. This is a great plan for older people (50+ years), and people with pre-existing conditions. CHUBB Network plan uses a very broad definition of pre-existing conditions- pre-existing conditions are covered in the same way like new problems and accidents except they are subject to different deductible and different policy max.

CHUBB Premier is another 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. This plan uses a very broad definition like network plan and pays for both pre-existing conditions and new problems using schedule of benefits (Fixed benefits).

AXIS Plan is another plan that provides pre-existing coverage. This is a fixed benefit with very limited coverage of up to $1000 for pre-existing conditions based on a very restrictive definition .. acute onset, a common definition used by industry in travel insurance market. Not recommended for any one with serious pre-ex conditions.

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 pre-existing condition coverage.

For more information about Pre-existing Condition Visitor Travel Insurance please visit our website.

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