7 Reasons why Visitor’s Insurance cannot be ignored. Are we doing the right thing? India Network plans suit your every need, while visiting family and friends.

You’ve just booked a big trip, and you’re debating whether you need to shell out that additional cash for visitors insurance. The trip itself is costing upwards of a few thousand dollars. Visitors insurance is just a waste of money anyway, I mean it’s not like anything will happen to you while visiting family and friends, or even a vacation, and even if it did, insurance companies make it practically impossible to collect, so why bother, correct ? We are wrong in thinking this way. Besides a big number of visitors are under the impression that Obamacare covers everyone in the US, wrong again, it’s a program meant for citizens, lawful immigrants, not for visitors who are neither.

I am fit and Healthy - Nothing will happen to me.

Sickness and Accidents doesn’t discriminate nor do we know what we might come across during out trip.  Being logical is a wise thing to do, we may have travelled a lot but no one ever knows what’s going to happen next.

The only way to protect ourselves from these unanticipated problems is to invest in a good visitor’s insurance policy that will take care of us.

I don’t need to spend more on an additional policy. I am already covered at home.

Most of us do have Health Insurance at home, but unless that policy specifically states that we are covered while we are visiting and staying abroad for a period of time, it’s not even worth the paper it’s printed on overseas, while visiting or on a trip.

Who needs visitors insurance, because it’s impossible to collect unless something happens anyway.

A good policy will not only cover illness, injury, disasters and repatriation costs, but it’ll also serve as a way out of situations where we end up paying hefty health care costs.

Visitors insurance is just for people that are visiting family and staying with them for a period of time.

Wrong again, we may be visiting family, friends or just having a good time vacationing for an extended period of time, illness, sickness and accidents like we said earlier doesn’t care if you are visiting, friends and family or vacationing.

If I need any treatment, I’ll be able to pay for it myself.  Medical costs are cheaper anyway.

Wrong yet again!  Medical expenses huge compared to Indian hospitals. Unless you have a very large bank balance with six digits in US dollar, it would be very difficult to handle even one emergency facility visit. Insurance is the best way to transfer your risk to someone else for few premium dollars.

Can I buy the visitors insurance right before I leave? 

Yes you may, with purchasing a policy being a click away. We recommend that you purchase the plan at least one week in advance to avoid any last minute glitches. But don't forget insurance part in the excitement of visiting your favorite grand children.

What about my Pre-Existing conditions?

Pre-Existing conditions are covered too by a lot of companies these days;  but they are not the same. Only India Network ACE network and ACE premier plans offer pre-existing coverage on par with new problems and accidents. Don't be fooled by large TV advertisements as these companies offer policies with a lot of restrictions including restrictive definition for pre-existing conditions, sugar coated as 'Acute Onset" and "Sudden recurrence". etc. .

India Network Foundation, a non-profit organization with more than two decades of being in the forefront of offering health plans for visitors. With various plans to choose from you can put away the anxiety and enjoy time with visiting family and friends to the fullest. Click here for more information on plans.

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Difference between Visitors Insurance and Travel Insurance?

There are many travel disasters that can affect your trip, and cause you to incur unexpected costs, like Trip cancellation, Baggage loss, delayed flights, missed connections, and a whole lot of other factors. Some of these are covered by carrying a Travel Insurance plan. But what if you fall sick or some unfortunate incident happens while you are there, visiting?

Carrying Visitors Insurance can save you a lot of trouble and also big $$$. With costs sky rocketing health care does not come cheap, especially in the US. India Network Foundation Health Care has plans that suit your every need, including pre-existing conditions. India Network has been around for over 20 years offers plans suitable for all age’s - infants to 99.

Just so we understand, Obamacare does not cover either, neither does it cover a visitor nor his/her travel.

India Network has just introduced a new fixed plan AXIS Accident and Sickness Insurance Program  that comes with two options and also with or without Pre-Existing conditions coverage. This new plan comes with the same quality service that India Network is known for.

Travel and Visitors Insurance are two different things altogether; Travel Insurance covers your trip, while Visitors Insurance covers you.

Travel Safe and be covered while you are visiting. Be prepared and make sure Visitors Insurance is part of your plan. Click here and visit us on the web.

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Is it worth taking the risk, especially when traveling or visiting family and friends abroad ? India Network Foundation offers brand new plans.

A big part of our lives are spending time with family and friends, we enjoy and cherish moments we spend with them. A lot of us have family living outside of the USA whom we get to visit from time to time. At times family and friends get to visit us, which creates for a festive atmosphere and we all get excited.

We cannot be guaranteed that our visiting family and friends will keep good health and fitness during their sojourn, sickness and accidents don’t discriminate against anyone. We in the USA are aware of the out of pocket expenses that we may have to bear without Health Insurance, with visitors not  being eligible for Obamacare and not having health insurance this could be a burden and liability. Why repent later, instead let’s be prepared and look into visitors insurance.

India Network Foundation a non-profit organization that has been around for over two decades has some excellent plans & programs that offer coverage for Pre-Existing conditions, along with fixed and comprehensive plans. Not all are blessed with fitness and good health, and we may have family members, who may be aging with age related issues. It’s always a good idea to make sure that we have them protected and covered while they visit us.

With already existing plans like, ACE Fixed, ACE Comprehensive, with or without Pre-Existing conditions, that are tailored to suit ones need. India Network Foundation introduces a new plan Axis Fixed Benefits, with or without Pre-Ex.

Do not take a chance, keep your loved ones safe and protected we are just a click away.

Visit us on the web by clicking here.

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Does Medi-Cal cover visitors heading to California??

Does Medi-Cal cover visitors heading to California??

Wee get several asking the question whether they can enroll their visiting parents into Medi-Cal program offered by various county health departments. It appears some of their friends have successfully enrolled in to these programs by completing some shady paperwork.  We highly advise against anyone considering enrolling their visitors to Medi-cal program. It is a fraud and will be caught sooner or later.  It is not worth loosing your career and family and heading to prison to save few hundred dollars in insurance premiums.

Only residents of California qualify for Medi-CAL program. If you are permanently residing in California and have below $15,900 income may apply for Medi-Cal. They have to provide the following proof of residence to be eligible to enroll in Medi-cal program:

California driver's license (DL)
California identification (ID) card
Lease or rent receipt
Utility or telephone bill
Letter from family or friends
Letter from an employer
Alien registration card

None of the above IDs can be obtained by someone visiting you for few months. In all, beware of the problems in taking advantage of Medi-cal program to cover your visitor and it is not worth the risk. Avoid by all means! If you know someone did apply and got coverage for their visitor through Medi-cal, it is your duty to report them to fraud line at

  • Welfare Fraud Hotline
    1-888-991-TIPS or 510-383-8777
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Is it mandatory to carry Visitors Insurance ? Does Obama Care cover visitors to USA ?

Visitors to many countries have to carry mandatory visitor accident and sickness health insurance, however while visiting USA some visitors or tourists may be under the impression that Obamacare covers them which is not correct. Obamacare or state medicare plans only covers US citizens, nationals and lawful immigrants.

Medical evacuations can be complicated and costly. Visiting abroad carries with it the possibility of having a medical emergency in a location where care is poor or inaccessible and evacuation is the appropriate solution for a stabilized health care plan. However in the USA with excellent facilities the technology the cost of healthcare doesn’t come cheap. It’s best advised to carry health coverage while visiting USA.

India Network Foundation Plans are well suited for a visitor whether one is visiting family, friends or just for pleasure. India Network Foundation has been catering to the needs of visitors for over two decades with plans and programs that are not only affordable, but also friendly.

To learn more, you can visit India Networks home page http://www.kvrao.org

 

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India Network is all set to introduce MANA a new plan with Pre-Ex options. Planning on Visiting USA, Canada or Mexico, have you considered Visitors Insurance ?

Planning on visiting USA, Canada or Mexico?  Do you have Health Coverage? Points to remember while preparing to visit family and friends in the USA, Canada or Mexico. You might be traveling from any part of the world, remember that Obamacare applies only to US Citizens, Nationals and Legal Immigrants. Consider a plan before embarking on your journey. Listed below are a few key points to remember and check before traveling.

  • Are you aware of Travel Alerts to your destination
  • Are all your travel documents and papers up to date?
  • Are you planning on driving overseas
  • Are you a smart packer?
  • Are you familiar with local traditions and customs?
  • What happens if you fall sick while you are visiting USA, Canada or Mexico?
  • Obamacare covers only US citizens, nationals and lawful immigrants. Don't try to enter your visitors..

India Network Foundation has been offering a wide range of coverage to choose from for the past two decades and over. With the introduction of its new plan MANA starting 1st April, 2016, you now have multiple options to choose depending on your requirement.

The India Network Mana Plan has some unique features: 24 x7 access to US based Physicians through TelaDoc program, limited pre-existing conditions coverage, and access to First Health Network. The low cost Mana Plan offers $25,000 and $75,000 policy maximum with a minimum enrollment period of one month.   With spring in the air and summer arriving in a few months a lot of us are excited, cause we have plans to have out family over to visit us, parents, grandparents, uncles and aunts, cousins. Yes it’s great to have family reunions and quality time. What if your visitor falls sick, or meets with an accident. Are we ready with the financial and emotional discomfort that comes with it?

India Network policy holders can reach the multilingual response center to confirm coverage and obtain access to available services by calling toll-free or direct dial or by e- mail 24 hours a day, 365 days a year. India Network recommends all international visitors to take in its ACE Comprehensive Insurance Plan or Premier plan before leaving home for the benefits of Travel assistance services in case of any unforeseen problems during travel.

India Network Plans are affordable, and tailored to suit a visitor from any part of the world to the USA, Canada and Mexico. Don’t let sickness, accidents get you and spoil the fun weather you are visiting Family, Friends or just traveling for Pleasure.

Visit www.kvrao.org for more information.

 

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India Network Launches Brand New Visitor Health Insurance Plan with $25,000 and $75,000 Policies with TelaMedicine and FirstHealth Network access

India Network Health Insurance is please to announce a new program, MANA Visitor Health Insurance effective from April 1, 2016.  The Mana Plan has some unique features: 24 x7 access to US based Physicians through TelaDoc program, limited pre-existing conditions coverage, and access to First Health Network. The low cost Mana Plan offers $25,000 and $75,000 policy maximum with a minimum enrollment period of one month.   With spring in the air and summer arriving in a few months a lot of us are excited, cause we have plans to have out family over to visit us, parents, grandparents, uncles and aunts, cousins. Yes it’s great to have family reunions and quality time. What if your visitor falls sick, or meets with an accident. Are we ready with the financial and emotional discomfort that comes with it?

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 9/15.2014 and you have not taken insurance till 11/1/14, 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.

Click here for more info  and also don’t forget to check back in a few days for that exciting new plan.

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Spring is in the air – Is your Visiting Family covered ?

With the arrival of spring many of us are planning on bringing over our elderly parents/family members over to the USA for a visit during summer, so that they get to spend quality time with their children and grandchildren.

As we get older we are aware that our bodies do not function the same way as is used to when we were younger. A sudden mishap/accident, sickness, or just a simple case of the flu can set you back hundreds or may be even thousands of dollars with no health coverage. And visitors with no coverage can be at a risk; this could even mean a liability to the sponsor.

India Network Visitor Health Insurance offers plans for visitors that are very affordable with great coverage.  Plans aren’t just for visitors or tourists, but also for students, temporary workers (H1 visa holders) 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 visit http://www.kvrao.org

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Why you need visitors insurance for your elderly parents??

Many young professionals think and their parents insist on not wasting money on insurance as they are "VERY FIT". Yes, indeed they may be very fit in India within the social and cultural context they live in, But when the parents visit United States, they are often home bound with no social interactions and that itself causes a lot of stress. They may not like how the DIL is behaving or SIL is treating their daughter etc.. which are very sensitive issues. Recently, an elderly parent of a friend visiting United States. Our friend called many times to discuss the insurance as he has not taken before any insurance (Both are physicians). But this time he felt discomfort after first hand seeing some cases in his own hospital where Indian parents got admitted without insurance and he tried maximum to help without much success and the bills are staggering, Reluctantly, he took ACE Network plan for his elderly 70+ parents after debating many times. Unfortunately, visitor fall down and severally injured. They rush to ER and an immediate surgery was needed to fix the broken bone. It is a lot of discomfort for the parent who experienced the fall but the ACE Network stood behind and helping the family with 80% of their bills. The India Network Health Insurance Saved them thousands of dollars of hospital bills and others.

It is very important to have the right coverage for the right age group. Elderly parents in 60+ age are prone to not only sicknesses but also accidents while visiting the United States. You need adequate coverage all the time from start to the end of their trip even if you are a physician!

 

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How India Network Pre-ex Coverage differ from all others?

Many visitors and parents coming to the US have one or more problems, known or unknown. These medical conditions and related illnesses are all generally excluded by all insurance plans under the pre-existing condition exclusion clause. However, recently some companies started advertising that they cover pre-existing conditions but their small print says something else. For example Atlas America plan offered by HCC Medical Insurance Services states that they do offer coverage for pre-existing conditions (excludes chronic and congenital conditions).  After this exclusion, pre-existing coverage is further constrained by "for the acute onset of  a pre-existing condition".  This kind of language is common across all insurance plans that advertise pre-existing condition coverage EXCEPT India Network Health Insurance plan with pre-existing conditions. Here, in India Network Plans, Pre-existing conditions are treated on par with new medical conditions and accidents. What that mean?

Visitors are protected against any medical condition whether it is old or new in ONLY India Network plans at affordable premiums. Check it out the difference and do not be fooled by big letters but the small print very carefully!

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