Last Day for Unique Promotion for Free Month Visitor Health Insurance Provided by India Network Foundation to All Visitors Coming to USA

The India Network Foundation is a non-profit organization founded with the mission to serve the Asian Indian community around the World and to support Researchers & Scholars interested in studying India. Started as the first internet resource for India related news and events in 1988, the India Network Foundation has established itself as the first and foremost resource on India and India related issues. The concept of virtual communities was first introduced by India network to internet community in late eighties.India Network started sponsoring accident and sickness health programs to help students initially, extending to H1 workers and their families and then to parents and grandparents.

At its inception, India Network Foundation received support from Sun Micro systems, Microsoft and Cisco among others. Their generous donationsof a Sun Workstation in 1988 provided the ground work and infrastructure needed to build this community organization. India Network first began as a way to distribute news from India to the Indian diaspora around the world when disseminating information was still in its infancy. Since then, India Network started sponsoring the health insurance programs for visitors to the United States in an effort to support the community further.

Celebrating 30 years, India Network Foundation wants to thank its members for their support throughout the years by providing ONE month free visitor health insurance for CHUBB plans to all visitors from India to the United States irrespective of their age (0-99 years)*. Member supported projects include Gujarat Earthquake Relief, Orissa Cyclone Relief, distributing maps to various elementary schools throughout India, and an on-going effort to build mineral water stations to provide clean water for villagers in India.

CHUBB Insurance company underwrites India Network Health Insurance fixed coverage plans 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.

“It’s our 30th Anniversary and we’d like to Thank You for your support. I’m very proud of the work and impact on the community we were able to make over the past thirty years. We couldn’t have done it without you! Please help us to celebrate and enjoy this token of appreciation to our members - a free month coverage for all CHUBB plans.” - said Dr. KV Rao, Founder President of India Network Foundation, USA. More details on the celebrations and application procedures can be found on the website at https://www.kvrao.org

For more information about our 30 year anniversary celebration, please visit https://www.kvrao.org

* Some restrictions may apply, call us at 408-540-3600 or click 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 or without pre-existing condition coverage.

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India Network Foundation Issues Travel Advisory on Visitor Health Insurance Options for Indian Parents Visiting the United States

India Network Foundation, a non-profit community organization based in the United States is a sponsor of visitors health insurance for travelers, tourists, H1-Workers, and anyone visiting the United States. This year thousands of Indian parents and grandparents will travel to the United States to spend quality time with their children and grandchildren. It is essential for all visitors from India travel with an excellent visitor health insurance plan that will have them covered in case of an emergency or an accident. With more than 30 years of delivering award winning visitor insurance, India Network visitors insurance coverage offers the most comprehensive plans to visitors traveling USA.

India Network advises every traveler visiting United States to plan their trip cautiously and with safety in mind. Travelers can purchase the India Network health insurance program of their choice from their home in India or using a mobile phone while in the United States. The free online quote tool helps members see all the available options and choose the right coverage. India Network strongly urges anyone above 60 years of age to obtain the full pre-existing coverage.

Visit visitor health insurance web site. It's extremely important to get a proper coverage for Visitor Health Insurance. Medical bills in the US can be thousands of dollars.

“Planning a vacation or visiting grandchildren in the United States is always exciting. Nevertheless, having a good visitor health insurance is the most important thing you can do to protect yourself and your loved ones in case of an emergency. Travelers may think that they are healthy or their medical conditions are under control, but the reality is a medical emergency can happen at any time. 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.” - said Dr. KV Rao, Founder President of India Network Foundation, USA.

India Network sponsored visitor health insurance plans are always underwritten by trusted and highly rated American Insurance Companies that follow USA insurance regulations & guidelines in claims processing and claims paying. Excellent customer service provided by third party claim administrators located in Pennsylvania and Texas offer timely responses to coverage questions or to co-ordinate benefits with providers and hospitals.

About India Network Foundation
India Network Foundation, established as a US non-profit organization, helps the Indian American community in North America with programs and travels grants for academic researchers from India for over two decades. India Network Foundation sponsors visitor health insurance for tourists, students, temporary workers (H1 visa holders) and their families. All insurance products are administered by India Network Services.
For more information please visit http://www.indianetwork.org

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

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India Network Foundation Celebrates 30 Year Anniversary by Providing 1 Month Free Visitor Health Insurance to Members and their Visitors Travelling to the United States

The India Network Foundation is a non-profit organization founded with the mission to serve the Asian Indian community around the World and support Researchers & Scholars interested in studying India. Started as the first internet resource for India related news and events in 1988, the India Network Foundation has established itself as the first and foremost resource on India and India related issues. The concept of virtual communities was first introduced by India network to internet community in late eighties. India Network started sponsoring accident and sickness programs to help students initially, extending to H1 workers and their families and then to parents and grandparents.

At its inception, India Network Foundation received support from Sun Micro systems, Microsoft and Cisco among others. Their generous donation of a Sun Workstation in 1988 provided the ground work and infrastructure needed to build this community organization. India Network first began as a way to distribute news from India to the Indian diaspora around the world when disseminating information was still in its infancy. Since then, India Network started sponsoring the health insurance programs for visitors to the United States in an effort to support the community further.

Celebrating 30 years, India Network Foundation wants to thank its members for their support throughout the years by providing ONE month free insurance to all visitors from India to the United States irrespective of their age (0-99 years). Member supported projects include Gujarat Earthquake Relief, Orissa Cyclone Relief, distributing maps to various elementary schools throughout India, and an on-going effort to build mineral water stations to provide clean water for villagers in India.

“It’s our 30th Anniversary and we’d like to Thank You for your support. I’m very proud of the work and impact on the community we were able to make over the past thirty years. We couldn’t have done it without you! Please help us to celebrate and enjoy this token of appreciation to our members - a free month visitor health insurance coverage.” - said Dr. KV Rao, Founder President of India Network Foundation, USA. More details on the celebrations and application procedures can be found on the web site at https://www.kvrao.org

For more information about our 30 year anniversary celebration, please visit:

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 please visit http://www.indianetwork.org

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

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India Network Visitor Health Insurance Announces Special Visitor Insurance Plans with Comprehensive Pre-Existing Conditions Coverage with American Insurance Companies

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.

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.

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."

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.

 

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 please visit http://www.indianetwork.org

 

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

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What is the Difference between CHUBB Network Plan and CHUBB Premier Plan?

We often get a lot of questions from our customers shopping for visitor health insurance. One of the most popular question is what is the difference between CHUBB Network plan and CHUBB Premier plan. Let's look at both of these plans closely.

CHUBB Network plan -  is a First Health PPO network based comprehensive plan with an option to take pre-existing coverage. Available with maximum coverage of $150,000 for ages 69 and under; and $75,000 for ages 70-99 with a deductible of $500 and Pre-Ex deductible of $1,500. This plan doesn't have any limitation on how much you can spend on medical services (up to the policy maximum) and it will pay 80% of entire medical bill (up to the policy maximum) and the remaining 20% will be your responsibility.
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. Please follow this link to see all benefits the plan will pay for every medical service.

For your convenience we created a table to show the difference between CHUBB Network plan and CHUBB Premier plan:

 

PlanCHUBB NetworkCHUBB Premier
Does it have a network?First Health PPOYou can use any provider you prefer
How does this plan work?This plan doesn't have any limitation on how much you can spend on medical services (up to the policy maximum) and it will pay 80% of entire medical bill (up to the policy maximum) and the remaining 20% will be your responsibilityThis plan is a fixed benefit plan and will pay only certain prices for medical services (please see the benefit schedule)
Does this plan include full pre-ex coverage?YesYes
What is max coverage for new sickness and accident?$150,000 for ages 69 and under; and $75,000 for ages 70-99 with a deductible of $500 and Pre-Ex deductible of $1,500The policy maximum goes from $100,000 up to $150,000 (depending on age group) with different deductible options $75, $250 for accident & new sickness and $1,000 and $5,000 for pre-existing conditions (depending on age group)
What is max coverage for pre-ex coverage?$20,000 and $25,000 (depending on age group)$20,000, $30,000, $40,000 and $60,000 (depending on age group)
What is min purchase requirements?90 days90 days

 

Please visit this page to get a quote 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.

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What Benefits will Being a Member of India Network Foundation Give Me?

When you want to purchase visitor insurance plan provided by India Network Services, you will have to join India Network Foundation and pay $10 membership fee. Many of you might wonder why should you do that? And exactly in what way it will benefit you? Here is why you should join India Network Foundation and what kind of benefits you will get:

1.Participate in any India Network Programs and Projects such as Health Insurance for Visiting Parents
2.Doctor Consultation at discounted rate of $55 per consultation from Board Certificated Physicians with multiple language skills.
3. Rx Discount Card – Free Rx card offering discounts on prescriptions drugs. Valid in all major pharmacies in the United States.
4.Rental Car Discounts:
–  HERTZ Rental Car (discounts and complimentary #1 Club Gold Card)
–  Budget Rental Car Discount Code: Z849544 (Discounts and Complimentary FastBreak)
–  Alamo Rental Car Discount Code: 706768 (Discounts and Complimentary Upgrades)

The India Network Foundation is a non-profit organization founded to serve the Asian Indian community around the World, and Researchers and Scholars interested in learning about India. Started as the first internet resource for India related news and events in 1988, the INF has established itself as the First and foremost resource on India and India related issues. If you wish to take-up a project in India or in the U.S., please feel free to review the project proposal information available under the Projects menu. To learn more about INF benefits such as Hertz, Budget, Rx discounts and Consult a Doctor, visit Member Benefits.

The India Network Foundation has been actively involved in various projects and many more projects are undertaken by members in their own villages. Many times, funds donated to the INF are tax-exempt in the United States and hence we encourage members to take-up developmental projects in India or anywhere else. If you have a project of your own and would like to use the INF assistance in organizing the project, please post a comment below that will be direct to Dr. K.V. Rao.

If you have any comments, questions or suggestions about India Network Foundation. Please email us at info@indianetwork.org.

Please visit this page to get a quote 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.

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CHUBB Premier Visitor Insurance Plan VS. AXIS Plan With Pre-Existing Condition Coverage – Which One to Choose?

Lets look closely at each visitor insurance plan and the difference between them.

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.

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.

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.

Please visit this page to get a quote 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.

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FAQ about Payment Options for Visitor Health Insurance and More

When you want to purchase visitor health insurance provided by India Network Services, you might have 2 concerns:

1. How can I pay for visitor health insurance plans provided by India Network Services? Do I need to be physically in the United States?

You can pay for your visitor insurance (which covers you while you are visiting USA) coverage premiums, from anywhere in the world as long as you have a credit card which allows you to make international purchases.

2. Can I purchase visitor health insurance from India Network Services if I am not Indian origin?

Yes, you can buy our visitor insurance plans as long as you're a member of India Network Foundation. You can became a member by filling out the membership form and paying the membership fee ($10 annually). Let us tell you a little bit about India Network Foundation.

India Network Accident and Sickness Insurance is sponsored by the India Network Foundation, a U.S. based non-profit organization founded to serve the Asian Indian community around the World, and Researchers and Scholars interested in learning about India. Started as the first internet resource for India related news and events in 1988, the INF has established itself as the First and foremost resource on India and India related issues. The travel medical insurance plans, specially developed by Dr. K.V. Rao for visitors, students, and temporary workers (available formally since 1994) in the United States, Canada and Mexico and their families has been acclaimed as “best-in-class” and set the standards for coverage. All Visa holders and their families are eligible to take advantage of the plans.

Please if you have any questions about our visitor insurance plans, feel free to leave a comment here or give us a call at 408-540-3600.

Also we would like to let you know that our live chat works for you from 9 a.m. to 10 p.m. EST.

Please visit this page to get a quote 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.

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Beware of Your Visitor Health Insurance

Lately we got a couple of calls where people asked us to help them with visitor insurance but there was nothing we could do. Let us tell you about two situations with the same result:

The situation #1: A visitor came to the U.S. to spend time with his grandchildren but he decided do not spend money for visitor health insurance. His trip was great, he had good time with children and grandchildren, enjoyed being in a new country and everything went smooth till he got on the airplane to go back home to India. On the airplane all of a sudden he felt dizzy and fainted. Immediately he was taken to the ER where doctors discovered that he already had a life threaten disease and needed to have a surgery and some serious treatments right away. For all of that procedures the medical bills would be hundreds of thousands of dollars if not more. That night we got a call from the visitor's son who wanted to buy a visitor health insurance right away to cover all the expenses.

The situation #2: A visitor from India came to the U.S.  to spend time with his children. Before that trip every once in a while he had some problems with his heart but he never payed serious attention to that. He did not buy a visitor health insurance. In the middle of his trip he started feeling sick and needed to go to the hospital right away where a couple of hours later he had open heart surgery. Right after the surgery his son also called us and wanted to get visitor health insurance right away.

Of course, we could not sell the insurance coverage to any of these people and all the hospital bills are going to be their responsibility. That's why there are a couple of things every visitor should know about visitor health insurance before coming to USA:

1. A coverage starts in 24 hours after the purchase and if you're ALREADY experiencing any symptoms of sickness, you shouldn't buy the insurance. That WOULD NOT be covered.

2. We ONLY cover new sickness and accidents and pre-existing conditions (ONLY if you purchase a special pre-existing coverage) if you buy insurance coverage at least 24 hour before visitor arrives to USA or subject to approval.

3. We DO NOT cover medical tourism. If you plan to get medical help in USA, you should be able to pay for it on your own.

4. If you sponsor your parents or relatives to come to USA from India, you might be responsible for ALL MEDICAL BILLS they might have.

Our advice to every visitor or who sponsors their parents, in-laws and relatives - PLEASE buy a visitor health insurance before you come to USA. India Network Services are happy to offer basic health coverage starting from less than a dollar a day (please read the program details here). However we also highly recommend to every visitor in 50+ age group and to everybody who wants to be on the safe side is always buy visitor health insurance with pre-existing condition coverage such as CHUBB Network plan and CHUBB Premier plan.

Please visit this page to get a quote of 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.

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What is the Best Option for Healthy Person without Pre-Existing Conditions?

If you are young, healthy without any pre-existing conditions (such as high blood pressure, diabetes, heart, asthma, urinary tract infection, etc.) and you want to save money on visitor health insurance, we're happy to offer you the following visitor insurance plans:

1. CHUBB Standard Visitor Insurance:

This is a fixed benefit plan covering new medical conditions, and accidents and no pre-ex coverage. It 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 age groups. There are no network benefits under this plan and you can go to any provider you like and the 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. AXIS BasicCare Visitor Health Insurance:

This Visitor Health Insurance Plan is available with $25,000, $50,00, $75,000 and $100,000 maximum coverage with $100 deductible options. This is a Fixed Benefits program with access to First Health PPO providers. AXIS BasicCare insurance comes with Accidental Death Benefit, Medical Evacuation, and Repatriation benefits. Also includes access to a US telemedicine physician network through Teladoc.
TIP: Recommended for visitors with no pre-existing issues who want a cost-effective coverage from a US-based insurance company
Minimum Purchase required: One Month. More details click here

Both of these visitor insurance plans provide programs that offer value for the money to anyone looking for good visitor health insurance coverage and willing to take higher responsibility for out of pocket costs.

Always remember that anything can happen in life and sometimes you might have pre-existing conditions without even realizing that. If that is the case, an insurance company won't pay for any of your medical bills if your sickness was caused by pre-existing condition. Our advice to every visitor in 50+ age group and to everybody who wants to be on the safe side is always buy visitor health insurance with pre-existing condition coverage such as CHUBB Network plan and CHUBB Premier plan.

Please visit this page to get a quote of 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.

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