How to use 24 x7 Nurse Line of India Network Visitor Health Insurance Programs?

India Network Health Insurance sponsors visitors health insurance from two main American Insurance companies. The ACE American Insurance company plans know as ACE Network Plan (Comprehensive 80/20 Plan) ad ACE Premier and Standard Plans (Fixed benefit plans). The programs automatically provide you access to 24 x 7 nurse line to get some answers for minor medical problems or medications etc. The Nurse line is available free of charge to ACE policy holders whose policy number start with GLM and the phone number to contact Nurse line is provided on the back of the ID card issued by the India Network Visitor Health Insurance Program.

When you call the Nurse Line, the staff at Nurse Line will ask your employer name. This is same as group name for India Network Foundation sponsored programs. Hence you will answer the employer name as "India Network Foundation" and then provide your primary ID and policy number to quickly connect you to the Nurse Line staff. Continue Reading...

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

Uniqueness of India Network Health Insurance

There are a number of visitor health insurance plans offered by various companies one may find in the google searches. This confuses anyone new to visitor health insurance. All visitor health plans appear to cover the same things but they are very different in their definition of coverage, limitations, exclusions and the underwriter (or the insurance company behind the plan). There is no plan currently in the United States or in India that offer the coverage with the same kind of definitions as India Network health insurance plan. Also, there is no plan anywhere that is designed and offered as a group plan for the Asian Indian community in the United States. Also, the India Network Health Insurance Plan differs rest of the bunch in several important ways:

  1. a) India Network Health Insurance Plans are designed to pay the claims rather than avoid them (the industry trend)
    b) India Network Plans are designed to help Indian parents visiting the US. For example, India Network plan do not exclude problems that are common among elderly Asian Indians such as Urinary Trach Infections (UTI) related problems, which are part of exclusions of IMG Programs and many others. India Network is one of the handful plans that still cover UTI problems and pay the claims.
    c) India Network Plans are sponsored by India Network Foundation and underwritten by a, A or higher rated US Insurance company. All other plans are underwritten by a non-US company, or another surplus lines insurance company.
    d) India Network Claims are processed in the United States following US standards that apply to domestic plans.
    e) India Network 24 x 7 Nurse line help thousands of families of visitors every year without subject to any deductible or fees
    f) By participating in India Network Plan, you are indirectly supporting a community program that offer coverage that is often not available in commercial market - for example, coverage till 99 years old
    g) Pre-existing condition coverage offered by India Network health plans can not be found in any plan anywhere in the world. This is a unconditional assurance that the plan would cover if your visitor goes to emergency for any reason.
    h) Cost - Sometimes, India Network health plans cost more because they have to pay 100% of all eligible claims than anyone else in the industry. Remember, all insurance companies have to make profit for their stock holders and hence if someone charging less premium means that they will have to cut down on the claims. It is that simple math.

 

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

52% Diabetic Patients in India are not even aware of the problem!

International Diabetic Federation (IDF) in a recent report stated that more than 52 percent of Indian suffering from diabetes do not know that they have that problem. 33 Million males and 29 Million females in India are suffering from diabetic (not counting the 52% who are not aware of). A whooping 2 million more are added every year to the diabetic population numbers. Diabetic is a silent killer that exposes patients to heart attack, stroke, amputations, nerve damage, blindness and kidney disease.
"Diabetes is one of the diseases that affects the endocrine system. The pancreas produces the hormone insulin. In Type 1 diabetes, the insulin producing cells in the pancreas are destroyed. In Type 2 diabetes, insulin is still produced but the body becomes resistant to it," explains M. Ravi Kiran, endocrinologist, Agada Health Care (Public Health Foundation of India). Continue Reading...

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

India Network Pre-existing Plans require 90 days Minimum

India Network offers two major plans for pre-existing conditions coverage - one is ACE Network Plan. The ACE Network Plan is the best possible insurance, both for, new problems, accidents, and pre-existing conditions at affordable prices, and is available for all age groups. This is the closest plan you can get for visitors to the domestic programs.

The ACE Network Plans employs a simple and straightforward definition - Pre-existing conditions are treated on par with new problems when a plan is purchased with pre-existing conditions option. So, if a visitor goes to emergency, that medical condition would be covered either as a new medical problem or under pre-existing conditions coverage. First you have meet your deductible and then plan pays 80 percent of covered expenses, and you are responsible for 20 percent. This is the only plan in the US that can assure that your trip to Emergency room is covered either as Pre-ex problem or a new problem.

The ACE Premier Plan is a fixed benefit plan which covers pre-existing conditions on par with new problems as well. The Only difference between new medical conditions and pre-existing medical conditions is that the later ones are subject to higher deductible and a separate policy maximum.

Why 90 days coverage?? The pre-existing insurance coverage offered is based on the assumption that policy holder would contribute at least 90 days premium. This DOES NOT MEAN that one has to wait 90 days to get coverage. The insurance coverage will start from the effective date listed on the application form and there is no waiting period. 

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

Gastric Bypass Surgery associated with remission of South Asian Type 2 Diabetes patients

The following article is presented for the benefit of our members from MedPage. This study was presented at a meeting but not published in a reviewed medical journal ------

*********************************************************

NEW ORLEANS -- Roux-en-Y gastric bypass surgery was associated with remission from type 2 diabetes after 2 years in more than half of patients who underwent the procedure, researchers reported here.

by Ed Susman
Contributing Writer, MedPage Today

About 60% of the 40 patients who underwent the surgery had remission in the small randomized trial, versus 2.5% of the 40 patients who attempted to control diabetes using medical and lifestyle approaches (P<0.0001), according to Shashank Shah, MBBS, director of the Laparo-Obeso Centre in Pune, India.
In his oral presentation at the annual meeting of the American Diabetes Association, Shah reported:
.About 80% of patients undergoing the surgery achieved hypoglycemic control compared with 30% of the patients in the lifestyle/medical group (P<0.0001)
Type 2 diabetes improvement was achieved by 100% of the surgery patients and 73% of the patients on lifestyle or medical regimens (P=0.003)
.HbA1c was reduced from 9.3% to 6.4% in the surgery patients compared with a reduction from an average of 9.5% to 8.2% among the patients on the non surgery regimens (P<0.0001)
Participants all had body mass index values of 40 or less (mean 31, SD 3.5).

"Patients who underwent the surgery also used about half as much diabetes medication after the surgery as they had before gastric bypass," Shah said. "I believe that doctors should be discussing bariatric surgery with patients of South Asian descent."

He noted that nearly one-quarter of all diabetics globally live in South Asia. In this region, people "tend to develop diabetes at a younger age and at a lower body mass index and therefore have more years to suffer from complications of diabetes. People who get diabetes early are more likely to die of diabetes rather than someone who gets it late in life who are more likely to die with diabetes.

"Despite lifestyle and medical intervention, most people with diabetes remain below the target for diabetes control," he said. "There has been evidence that gastric bypass did work in patients in ameliorating their diabetes. However. There had been no evidence among people of lower weight or from South Asian as to how well gastric bypass would work in them."

Note that this study was published as an abstract and presented at a conference. These data and conclusions should be considered to be preliminary until published in a peer-reviewed journal.

NEW ORLEANS -- Roux-en-Y gastric bypass surgery was associated with remission from type 2 diabetes after 2 years in more than half of patients who underwent the procedure, researchers reported here.

About 60% of the 40 patients who underwent the surgery had remission in the small randomized trial, versus 2.5% of the 40 patients who attempted to control diabetes using medical and lifestyle approaches (P<0.0001), according to Shashank Shah, MBBS, director of the Laparo-Obeso Centre in Pune, India.

In his oral presentation at the annual meeting of the American Diabetes Association, Shah reported:
.About 80% of patients undergoing the surgery achieved hypoglycemic control compared with 30% of the patients in the lifestyle/medical group (P<0.0001)
.Type 2 diabetes improvement was achieved by 100% of the surgery patients and 73% of the patients on lifestyle or medical regimens (P=0.003)
.HbA1c was reduced from 9.3% to 6.4% in the surgery patients compared with a reduction from an average of 9.5% to 8.2% among the patients on the nonsurgery regimens (P<0.0001)

Participants all had body mass index values of 40 or less (mean 31, SD 3.5).

"Patients who underwent the surgery also used about half as much diabetes medication after the surgery as they had before gastric bypass," Shah said. "I believe that doctors should be discussing bariatric surgery with patients of South Asian descent."

He noted that nearly one-quarter of all diabetics globally live in South Asia. In this region, people "tend to develop diabetes at a younger age and at a lower body mass index and therefore have more years to suffer from complications of diabetes. People who get diabetes early are more likely to die of diabetes rather than someone who gets it late in life who are more likely to die with diabetes.

"Despite lifestyle and medical intervention, most people with diabetes remain below the target for diabetes control," he said. "There has been evidence that gastric bypass did work in patients in ameliorating their diabetes. However. There had been no evidence among people of lower weight or from South Asian as to how well gastric bypass would work in them."

Mitchell Roslin, MD, chief of obesity surgery at Lenox Hill Hospital in New York City, who was not involved with the study, said, "We should be managing more people with diabetes with bariatric surgery. There have been numerous studies that show this surgery is beneficial.

"Dr. Shah and his colleagues are now showing the same thing in a South Asian population. These are patients who have smaller body mass index and are smaller in size to the typical Western population of diabetics. However, they have similar outcomes," he said.

Roslin told MedPage Today that once a person has grown into maturity there is very little that can be done to change decades of eating and exercise patterns, so the ability to control diabetes with lifestyle adjustments and medications is unlikely to be successful.

"People in generally good health can undergo this surgery and be back at work within a week," Roslin said.

The COSMID (Comparison of Surgery vs Medicine for Indian Diabetes) Trial is the first randomized controlled study that specifically addresses the Asian Indian population, said Shah. "Current medical and lifestyle treatments for Asian Indians who suffer from obesity and type 2 diabetes are often inadequate to control morbidities and mortalities associated with these conditions. COSMID provides evidence that gastric bypass is a superior treatment to medical management alone, and should be an option for patients who qualify," he said.
He said that people who undergo Roux-en-Y surgery usually are required to take vitamin supplements post surgery. However, he noted that as many as 85% of the patients he sees before surgery are usually deficient in some vitamins, so they require supplements anyway.

"There are publications that have been published that suggest bariatric surgery among patients who are unable to control diabetes can be helpful," Shah said. "We can optimize the use of gastric bypass surgery, of course, in selected patients. This is an option that works."

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

Medical Coverage for Major Medical Issues – Heart Attack, Stroke, etc

We recently received a call from a family member inquiring whether he can purchase India Network Insurance with pre-existing conditions plan for his mom. His mother arrived, a couple of months back and she was in the hospital with severe chest pains when he contacted our office. His mom had insurance from another company that widely targets innocent Indian families with all kinds of buzz words and jargon. A representative for the company assured the family member that his mother would be covered for all pre-existing conditions without any further explanation. However, after his mother was admitted to the emergency room, that same representative told him that the visit would not be covered. Why? The representative went on to tell the family member that his mother's policy never had any pre-existing coverage and that it is not at all offered by any company.  India Network staff took time to review the policy sent by the other insurance company and confirmed that it does NOT have any coverage for any pre-existing conditions such as heart attack or stroke.

Unfortunately, India Network was too late to help this family because they did not purchase India Network insurance before the visitor’s arrival. The other company plan does not cover the emergency and the member is now at the mercy of the hospital with thousands of dollars of bills.

On the internet there are many policies sold for visitors that prey on unsuspecting family members.  After a careful review of various products offered, India Network staff reached the conclusion that there is currently NO plan on the market that explicitly covers problems like heart attack, stroke, brain hemorrhage, etc. India Network Health Insurance with Pre-existing Conditions is the ONLY ONE that can help when need arises.

Many people are confused by terminology in policies. For example, a number folks tell us that their dad who is 78 years old but  pretty healthy. Dad takes his medications for high blood pressure and sugar but both are under control. The most asked question by these folks is, "Do I need to buy coverage with pre-existing conditions or not?" In world we live in today, most of our 60+ population have either high BP or sugar, but take medications to mitigate their effects. However, these diseases have the potential to cause life threatening or even fatal emergencies.

After examing the needs of our elderly Indian community, India Network advises all members to take pre-existing coverage for their loved ones. By enrolling in India Network's pre-existing coverage.  Our community can be at ease knowing India Network is there when things go wrong.

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

Pre-existing Condition Coverage is not easily Available to Visitors who are already in the US

India Network Health Insurance is the only program in the United States that offer pre-existing condition coverage for visitors of all ages traveling to the United States for the purpose of visiting friends, family, study or temporarily work in the US. The program however is not meant to be medical tourism.

Also, Pre-existing coverage works effectively for your visitors only when one purchase the program before the visitor(s) land in the United States.  The pre-existing condition coverage will not be available if the health insurance is purchased after the arrival date of the insured. For example,  if your visitor arrives on 9/15/2016 and you have not taken insurance till 11/1/16,  the India Network Health Insurance does not cover pre-existing conditions in that case. One can only take a standard plan without pre-ex coverage in such scenarios.

Hence we urge all members to purchase the plan as soon as the date of journey finalized to take advantage of India Network Health Insurance Pre-existing coverage.

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

Being prepared is the key for parents with pre-existing conditions while traveling and visiting United States requirement.

Traveling with any pre-existing conditions can present some risks. Traveling with heart problems especially while flying, high altitude, thin air combined with sitting for long hours, busy airports, waiting in lines the list is endless. All these stress factors add up with an already existing condition, can be very taxing on the body. A person with a pre-existing condition should take some precautionary measures to make their travel safe & comfortable and trip memorable while visiting far away foreign lands.

Being prepared is the key while traveling and visiting, listed below are a few important things to remember to take with:

  • Medications: Always carry enough and a little extra while traveling, enough to last your entire trip and a little more. Keep some in your carry on and also your checked baggage.
  • Medical Information: Make sure you have copies of your physician’s contact information, your medical history, and documents of any recent medical procedures that you may have undergone. It’s not a bad idea to have a copy on you and also one in your checked baggage and carry on. Also those who are tech savvy can scan them and save them on a portable drive/laptop or even on a cloud drive.
  • Prescriptions: What is you run out of medications, ensure you have a valid prescription just in case you lose your baggage or run out of medications. That way you can always get some if needed.
  • Local Contact Information of Destination (Doctor and also the people you are visiting): Knowing where to go at your destination when you arrive, just in case you need to see a doctor makes life easy. Create a list of local contacts, including your hosts, Doctors, etc. Keep a printed copy in your baggage and also on your phone/ portable drive, laptop, etc. It is not a bad idea to create a contact on you phone and name it ICE (In Case of Emergency and store local Doctors info and also the people you are staying with.
  • Visitors Insurance: What would you do in case of an emergency? Ensure you have a good travel and also Visitors Insurance plan so that you are covered while traveling and also while staying at your destination. One can never tell when or why sickness and/or an injury can strike. And with pre-existing conditions, the risks are doubles.

India Network Foundation offers some excellent choices when it comes to Visitors Insurance. Click here to visit our website and check out the plans  that are tailored to suit you and your family while visiting USA, Canada & Mexico.

 

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

Having a pre-existing condition shouldn’t penalize you when searching for health insurance. India Network offers pre-existing conditions coverage for 0-99 year old

Visiting Family and friends this summer? Stay covered you never know when sickness or accidents can strike. Introducing a new plan  ACCIDENT AND SICKNESS INSURANCE PROGRAM From India Network

People travel from all over the world this time of year to spend time with friends and family. If your family is visiting and staying for a few months, you need to think about getting health insurance to cover any new or pre-existing illnesses while staying in USA.  India Network Accident and Sickness Insurance provide medical coverage for all nationalities outside their home country while visiting US, Canada or Mexico.

Only US Citizens, Nationals, Lawfully Present Immigrants are eligible for Obamacare program. Visitors and tourists aren’t covered by this, what would you do if you are a visitor or a tourist and falls sick, or an accident happens?

Having a pre-existing condition shouldn’t penalize you when searching for health insurance.  India Network Health Insurance offers the alternative to buy a fixed benefit plan or a comprehensive 80/20 benefit plan including pre-existing conditions, guaranteed issue with coverage 24 hours after purchased.  With a simple online process you can obtain coverage for your loved ones.  Simply visit http://www.kvrao.org and explore all alternatives.

According to the U.S. Department of State, “Obtaining medical treatment and hospital care abroad can be expensive, and medical evacuation to the U.S. can cost more than $50,000… U.S. medical insurance is generally not accepted outside the United States, nor do the Social Security Medicare and Medicaid programs provide coverage for hospital or medical costs outside the United States. If your insurance policy does not cover you abroad, it is a good idea to consider purchasing a short-term policy that does.” 

Illnesses and accidents can happen anywhere, and it’s harder – let’s face it — when they happen away from home. Make sure to get coverage from the first day of travel until you the USA. Even if you’re basically healthy, you still might need medical attention during your trip.  Read about the program benefits in the program area of the India Network Health Insurance website and compare the different products available for your age group with or without pre-existing conditions.

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook

Over 21 percent of Hyderabadis Diabetic – don’t leave home without India Network health insurance

A massive diabetes screening programme that found 21.14% of the city's population to be diabetic.The most shocking finding of
the screening was that 20% of people suffering from diabetes were not even aware of their condition while a majority of the remaining 80% were not doing enough to manage their blood sugar levels.

Carried out under an initiative called 'Together let's beat diabetes', 7,839 (21.14%) persons were found to be diabetic out of total sample size of 37,075 adults (including 8,259 women) in Hyderabad city. About 26% People in the 41-50 year age bracket were the hardest hit diabetic population in the city, followed by 22.97% in the 51-60 year age bracket and 22.78% in the 31-40 year age bracket. Those above 60 years constituted 21.99% of the city's diabetic population.

India Network Foundation sponsors health insurance plans that cover pre-existing conditions such as diabetic. A number of families took advantage of the program and as the survey indicates, many visitors to the USA do not consider diabetic and blood pressure as diseases!  India Network high recommends any one in the 40+ age group to purchase a health plan with pre-existing conditions coverage. More details on the plan can be found at http://www.kvrao.org

More details on the diabetic study can be found in Times of India.

It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook
It's only fair to share...Tweet about this on TwitterShare on LinkedInShare on Google+Share on Facebook