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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India Network Visitor Health Insurance Announces Special Visitor Insurance Plans For Senior People With Pre-Existing Conditions Coming to USA

India Network Foundation is pleased to announce visitor health insurance programs and plan options for senior 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.

It is very difficult to find a suitable visitor health insurance plan for visitors over 65 years old. Life Expectancy in India is about 68 years making many insurance companies nervous in offering any health insurance cover for visitors traveling from India. India Network Foundation is pleased to step in and provide coverage for all ages up to 99 years. The senior coverage offered include accident and sickness coverage in addition to covering pre-existing conditions such as diabetes, blood pressure, etc. Two kinds of plans are available - fixed benefit plan and a comprehensive plan. More information on the plans and premiums can be found at https://www.kvrao.org

"India Network Visitor Health Insurance advises every parent coming to USA for family reunion, spend time with grandchildren, tourism, or vacation to take advantage of cost effective and reliable health insurance that covers pre-existing conditions such as CHUBB Network, CHUBB Premier and AXIS plans. Recent analysis of claims data shows that majority of high volume and high dollar value claims are originating from pre-existing conditions. An insurance policy without pre-existing coverage is limited to accidents and new problems and is often no use to elderly parents.

Dr. KV Rao, Founder and President said that "pre-existing coverage definition vary across plans, some limiting pre-existing coverage to acute onset, which is not really useful to visitors from India. India Network plans are the only ones in the US that cover pre-existing and new problems in the same way and assure peace of mind".

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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Tips For International Students – How to Choose The Right Visitor Insurance Plan

Why is it so important to have visitor health insurance for students?

Being a student at the U.S. college or university is very exciting but challenging process. It includes so many different things to consider. One of them is to get the right visitor insurance.

Some students may argue that they are young and healthy and cannot get sick, but the reality is, anything can happen. While having fun, they could get into accidents or catch cold by simply sitting next to a sick person. Flu, cold and food poisoning are universal problems that most students are facing, and they are all could lead to other health complications.

If you want to be good student, you should get visitor health insurance right away. With the right visitor insurance you can concentrate on studying instead of being worried about paying huge medical bills.

What you need to know before buying visitor health insurance:

Premium - is the amount of money that you must pay for an insurance policy (usually you pay it monthly).

Deductible - is the amount you pay for health care services before your health insurance begins to pay for your medical expenses.

Copay - is a payment defined in an insurance policy and you have to pay for it every time you get a medical service.

Coinsurance - the percentage of costs of a covered health care service you pay after you've paid your deductible.

Be careful when you buy visitor health insurance and if it's possible, plan your medical expenses in advance in order to stay in a good financial shape.

India Network Services is pleased to offer the following visitor insurance plans for students:

If you are age 17 and under with pre-existing conditions, the most popular choice is the $150,000 CHUBB Network Plan with the $1,500 Pre-Existing Deductible. Pre-existing medical coverage is $25,000. Members with good health can opt for CHUBB Network Plan for new problems and accidents in the next section or enroll in AXIS plan. Also AXIS Plan is a good choice - it is a fixed benefit plan with Pre-existing Conditions Coverage limited to Acute Onset of Pre-existing existing conditions. See Program page for more details.

If you are age 17 and under and do not have pre-existing conditions, the most popular choice is the CHUBB Network comprehensive Plan. This plan covers 80 percent of covered expenses up to policy maximum after $250 deductible. AXIS BasicCare plan is preferable among fixed benefit plans as it comes with few additional coverage that are not available in other plans.

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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Visitor insurance for senior visitors

It's always nice to have your parents visiting you in the U.S. Whether your parents' visit is for family reunion, playing with grandchildren, tourism, or vacation, visitor health insurance is very important.

There are a lot of health issues that can rise during their visit. Based on age, most parents can easily experience emergency conditions like heart attack, stroke, asthma attack, high blood sugar, and more. These conditions are typically related to age or different pre-existing conditions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Is medical examination required when purchasing visitor insurance plan?

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

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

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