Preparing for Hurricane Irma in Florida ~ Tips for Visitors

Hurricane Irma | India Network Health Insurance

Florida has a lot of attractions for different ages and backgrounds. People travel to Florida to explore its famous beaches, Disney Land, Universal Studios, and other attractions. During this time of hurricane monitoring, it is important for all visitors to learn about few things that can help them stay safe.

It is very important to know what to do before and after the hurricane so that you can keep your family out of the harm’s way. Knowing what to do and where to go is the first step of planning for hurricane. Below are some important things to consider when it comes to natural disasters. Continue Reading...

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Doctor On Demand to Offer Support to Hurricane Irma Victims

Hurricane Irma | India Network Health Insurance

Through September 15th, Doctor On Demand will be covering for the cost of a medical visit with their board-certified doctors for anyone affected during the hurricane. Please inform your friends and family about this service.

To log in or register to Doctor On Demand, please click here: Go to your account

To use this offer, apply code IRMA2017* to your Doctor On Demand account.

Click the link below to see the outline of different conditions that Doctor On Demand can treat: treatment guide

*Coupon code valid for one medical video visit (excludes psychiatry). Offer valid from 9/6/17 at 12:01 a.m. to 9/15/17 at 11:59 p.m. (all times in ET) in areas impacted by Hurricane Irma in Florida.

Please note: Doctor On Demand is not insurance policy and not affiliated with India Network Health Insurance.

Getting health insurance for your visitors is very important especially during the hurricane season. Visit our website if you want to learn about our visitor health insurance policies

 

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Is Visitor Health Insurance a Waste of Money?

Visitor Health Insurance | India Network Health Forum

 

Things to Consider Before Your Trip to America

Planning a vacation or visiting grand children in the United States is always exciting. People traveling to America enjoy wonderful time exploring different states and get exposure to different culture, language, technology, and more. There is always something for everyone.

A person must always bear in mind that the most important thing to do before leaving home is to purchase visitors health insurance. Whether you are going to see family and friends, starting a new job, going to school, or tourism, having health insurance is the most important thing you can do for yourself and your family. It is advised to look into medical evacuation, repatriation and accidental death benefit as well in order to get help when it comes to any accidents or unfortunate events that may happen while traveling in a foreign country. Continue Reading...

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5 Things That Could Make Your Visitor Health Insurance More Expensive

Most people get frustrated about the price they have to pay for health insurance. Many wonder how one plan can be so expensive while the other very affordable. The reality is, all insurance companies use the same risk analysis to determine their premiums and have to make money for their share holders while helping people along the way. Imagine, if insurance companies would be paying 100% of all claims, how many companies will still be here today? It is important to realize that the premium is directly proportional to the coverage you get. A restrictive definition with exclusions may reduce the risk probability to enable someone offer lower premium. Policy maximum, deductible etc look similar but the definitions and exclusions would be drastically different.

Most insurance companies use the same risk models when it comes to premiums, deductibles, and co-pays. The difference between the very expensive plans and the cheapest plans are in the plan design and claims paying and international companies versus domestic insurance companies.  Most plans seem to be cheaper than the others because of the number of exclusions they have and the way they define pre-existing conditions etc.. Some may argue that they need a plan that they can afford, but the real question is, why would anyone get a cheap plan when that plan won't pay for any health expenses or cover very little when the hospital bill arrives?

India Network Offers plans that use policy holder friendly definitions and few exclusions. Notable are

a) Pre-existing conditions are covered in the same way as new problems and accidents (No other plan in USA use this broad definition)

b) Urinary Track Infections are not excluded from coverage (Many plans put this in exclusion list as it is a common problem among elderly)

c) Use US standard in claim processing (6 weeks to settle a claim) and underwritten by American Insurance Companies.

Continue Reading...

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Travel Alert – Heart disease is the leading cause of death in Asian Community

Travel Alert – Heart disease is the leading cause of death in Asian Community

Heart disease is still the number one killer in our community. Coronary heart disease, hypertension, and stroke are still a major issue worldwide. According to a study made by the Registrar General of India and Indian Council of Medical Research, India is estimated to have 60% of heart disease patients worldwide in the near future.

Many visitors from India are unaware of developing heart disease until it’s too late. Most people don’t check for cholesterol levels, hypertension, and diabetes regularly. Unhealthy diet and lack of exercise plays a major factor in heart diseases when it comes to Indian community.

Risk Factors:

  • - Age: Older people have more chances of getting heart diseases.
  • - Heredity: You are more likely to get it if here’s a history of heart diseases in your family.
  • - Other conditions like diabetes, high cholesterol, and high blood pressure.

Continue Reading...

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What You Need to Know About Acute Onset and how that works for pre-existing conditions

Acute Onset | India Network Forum

An acute onset involves sudden and recurrence of serious conditions that need immediate medical care. This coverage also requires that the care be sought within few hours of first systems started. In other words, this is a situation where insured requires immediate treatment within few hours of problem due to pre-existing conditions.  Many plans on various web sites (such as AXIS Insurance,  Visitor Secure, Safe Travels, Inbound Plans, Patriot America Plus, Atlas America, Atlas Premium America, etc.)   offer pre-existing coverage using Acute Onset definition.

This definition pretty much nullifies the coverage you were expecting for pre-existing conditions as it is impossible to run to hospital immediately after some discomfort. Due to this reason, the plans 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. Continue Reading...

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Indian Visitors are now eligible for speedy entry into the U.S.

Earlier last week, President Donald Trump welcomed India entry into the Global Entry Program.

Speedy Entry Kiosk | India Network Health Insurance ForumGlobal Entry is a Custom and Border Protection program which allows pre-approved foreign visitors to skip the customs lines and enter the U.S. through kiosks in major airports. This program will allow registered users from India to enter their own applications for U.S Customs and Border Protection.

How does it work?

Once a visitor reaches the Global Entry kiosk, he or she will present his/her passport, then complete the fingerprint verification, and a custom declaration. The kiosk will provide the visitor with a receipt and instructions for the next step. Continue Reading...

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Do NOT fill insurance forms after visitor got sick!

Today, we got a call from a hospital saying that one of those insured by India Network Plan during this past weekend has been admitted to hospital right after filing the insurance form on our web site.

Health Insurance Tips | India Network Forum

As we all know, insurance works with probabilities and no program however great can not survive if everyone tries to use it!  Our sincere advise to all our community members - buy before your visitor arrives from a credible organization like India Network with more than three decades of long standing service to be fully covered. DO NOT waste your money by purchasing the plan after the visitor already sick. No insurance will cover that sickness and you have to pay for your self. 

Also, visitor health insurance plans are not designed to handle medical tourism cases. If you are planning to bring your loved one for a surgery or for a second opinion of a disease already in progress to the USA, No insurance will cover that scenario.

Preventive Care - Many of our members ask whether visitor health insurance plans cover regular checkups ? No. None of the insurance companies pay for preventive care.  Many plans even do not pay for sick visits under the pre-test of pre-existing conditions except India Network Plans that cover all sick visits irrespective of their cause if pre-existing coverage option is chosen. More details http://www.kvrao.org

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Doctors trust India Network Health Insurance for their Visitors.. why not you?

We are striving to provide the best visitor health insurance and great experience to our members. Read on to see what our policy members are saying about us and our services.

India Network gave us peace of mind and the team was extremely helpful when our situation went bad .... Mother-in-law fell and broke her shoulder, requiring surgery. Insurance plan covered the majority of expenses, and naturally, made the situation much more tolerable.
-- NO questions were asked, and minimal support documentation was needed to get the doctors/hospital/other services paid on time.

Without a doubt, our entire family believes in India Network Insurance plans, and have used them for years to enjoy being in control and free from unnecessary worries.... It feels good to pay a little bit for so much peace of mind!!!

Thank you to the entire team....!!!!

A & J Pattisapu, MD

Call us or visit our website for more information about our plans.

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India Network Reduces Visitor Health Insurance Premiums by more than 28 percent

Do you know this surprise from India network?? We have dropped the premiums for all age groups, particularly for 60-69 age group by more than 28 percent effective 6/1/17. Now you can get a $50,000 visitor health insurance policy for as low as $56 per month.. this is less than two dollars a day! This is a major achievement for the community at large and the greatest savings are achieved without changing one word from the previous program.  Remember  - India Network Visitor Health Insurance plans are always underwritten by highly rates USA based companies and all claims are processed in the USA. We do not maintain any offices (front end or back end etc...) in India.

This is made possible by able administrative leadership of Dr. KV Rao, to negotiate tirelessly with ACE American Insurance company to lower the cost of visitor health insurance to all parents and grand parents visiting the United States. The India Network Foundation that sponsor this visitor health insurance plan has been dependent on active participation of our all members of the visitors community, particularly from India. Hope you can all take advantage of these new prices and do not leave anyone without insurance cover during their visit to the United States. Please visit http://www.kvrao.org for more details.

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