How much does it cost? How much does it pay in case of emergency?

Premier Coverage provides a maximum of $50,000 coverage with $150K policy and with a deductible of $5,000 for 2-69 Year old and $25,000 to 70 Plus members with $100K policy and with a deductible of $5,000. The pre-existing coverage offered by India Network Plan is the highest available in the USA. Premier Coverage is NOT available with $50,000 program. For example, a member purchases the Premier Coverage plan with $150,000 policy for parents. Mom got suddenly sick and rushed to emergency room. She was treated and stabilized. The emergency visit is related to pre-existing high blood pressure problem. The insurance will pay U&C charges as given in benefits schedule. The Insurance will pay to services related to the visit until it reaches $50,000 for this sickness (subject to $5,000 deductible) . IT IS NOT TEN PERCENT OF THE BILLS. ALL BILLS WILL BE SETTLED AS PER THE POLICY UNTIL THE AMOUNT REACHES $50,000 (with 150K policy).

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Can I cancel my policy once the policy starts?

No. The insurance can be cancelled prior to the coverage start date subject to $25 cancellation fee. After the start date, premiums are considered fully earned and no refunds will be possible.

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What are pre-existing conditions?

A health or medical condition is categorized as pre-existing condition if that condition is known to the insured, a Physician was consulted, or for which treatment or medication was prescribed prior to the effective date of an Insured Person's coverage. Diabetes, blood pressure, chronic back pain, high cholesterol, kidney stones, skin problems are some examples of pre existing conditions.

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Can you give some examples of when Premier Coverage would be helpful?

For example, say someone has blood pressure problem which is under control with medication. Suddenly the insured become sick with brain hemorrhage and rushed to hospital. This would be a scenario where the Premier policy would be of help. If the visitor wants to see either a specialist or a family physician to checkup blood pressure problem under ordinary circumstances, the doctor visit is not covered by the Premier plan. The India Network Program also offers Medical Evacuation benefit and Repatriation benefit (see program link for details).

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What is the minimum duration insurance can be taken?

The minimum duration is one month and maximum duration allowed is twelve months at a time, 15 days and few days coverage is available at the time of renewal. Please choose the duration carefully as no changes can be made after the policy starts.

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India Network Foundation assists family

India Network Foundation is pleased to send $2,500 to a visiting Indian family to help in its medical emergency. Foundation members and matching funds were made available in January 2011 to assist with expenses incurred from a vehicle accident in Central Florida.

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Do you have a list of providers in my town?

The Standard Plans do not require a network physician or facility. The India Network plan is a national program valid in the US and extends to visits to incident countries such as  Canada, Mexico and the Bahamas. You may visit any provider closest to your location (see yellow pages in your phone book). All you have to do is present them with your Insurance ID card. Claims processing will settle the claims with the provider directly if the provider bill for covered services as per your program chosen or to you (the insured) if you file claim.  On-line Claims are filed from Members Area.

If you are enrolled in a Network based Comprehensive Plan, to participate at the 80%/20% co-insurance for the first $5,000 of medical expenses, please refer to the MultiPlan Provider Network search for a list of doctors and facilities.

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Is the insurance coverage valid all over the United States and Canada?

Yes. The India Network Health Insurance is valid in USA, Canada and throughout the world. Countries that are prohibited as of January 2012 include visitor's home country of residence, Balkans, Belarus, Myanmar, Ivory Coast, Cuba, DR of Congo, Iran, Iraq, Lebanon, Liberia, North Korea, Sudan, Syria and Zimbabwe.

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We have used all our pre-existing condition deductible amount; is there anything else that would help with pre-existing problems?

India Network program offers up to $25,000 for medical evacuation (with $150K policy). This amount would still be available to the family should the family and attending physicians decide to shift the care to home country.

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How do I get insurance coverage?

One can get insurance coverage by completing online forms 1) India Network Membership Form 2) Health Insurance Enrollment Form Membership and Health Insurance Enrollment Forms can also be downloaded under the download forms link at our website to fax to India Network Office at (407) 479-3289 or mail the two forms with checks to: India Network Services 7065 Westpointe Blvd, Suite 209 Orlando, FL 32835-8758

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