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.
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.
- - 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.
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...
Earlier last week, President Donald Trump welcomed India entry into the Global Entry Program.
Global 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...
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.
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
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.
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.
Some may wonder about the importance of health insurance for people who are visiting USA for a short time. A lot can go wrong during a quick visit to America. Young people can get injured while playing their favorite sports, or get a cold from their friends while older people can be vulnerable to different diseases due to low immune system or pre-existing conditions. All in all, anything can happen during a wonderful vacation in the US.
Visitor health insurance is designed for people who are visiting foreign country for short period of time. This insurance is very important when it comes to health issues, and emergencies that may happen during the stay. Most young people succeed to have great time, and not get sick until their return to their home countries. For elders, everything is very complex and unpredictable. Even though some elders may feel fine, that doesn’t mean they are healthy.
In most cases, people are skeptical about insurance due to the misconception that reliable insurance policies are expensive and out of reach. Unlike other insurance companies, India Network Health Insurance has affordable and great plans in the market! People are surprised to see the low rates that we are offering to the US visitors.
We have great visitor health insurance for different ages, budgets, and needs. Visit us to learn about our visitor health insurance plans and how we can help your family stay healthy during their visit to the US.
Health insurance costs are getting more and more expensive each day. Most visitors find themselves in medical emergencies when they don't have reliable insurance. It is heartbreaking to see visitors who get sick while abroad and can't afford medical care. India Network Health insurance reduced premiums in order to help USA visitors get medical coverage when they are away from home.
India Network Health insurance is offering reduced premiums for high-quality visitor insurance, so that visitors can get the treatment they need for less! Visit our website to see how much you can save on visitor health insurance.
Visitor health insurance with pre-existing conditions covers for necessary emergency care for life-threatening conditions due to sudden recurrence of an existing illness. Emergency conditions include heart attack, stroke, asthma attack, high blood sugar, and more. These conditions are typically related to different pre-existing illnesses that an insured person might have. Even though a person might feel fine, or have their illnesses under control at a time of purchasing insurance, a person is still at a high risk for different life threatening conditions.
Apart from having pre-existing conditions, age is another factor to consider when buying insurance. It is advised to purchase visitor health plan that will cover for pre-existing conditions for people who are 60 years old and more. Continue Reading...