Why Get Accidental Death and Dismemberment Insurance?

Planning a funeral while you are still healthy sounds absurd, but it’s crucial if you are a foreigner visiting or living in America. Funerals cost a lot of money especially when it comes to sending the body back to the home country. Losing a family member can affect those left behind emotionally; therefore, it is better to make sure the funeral costs don’t affect them economically as well.Car Accident | India Network Health Insurance Forum

The first question you should ask yourself is where you would like to be buried. India network health insurance provides accidental death and dismemberment plans for visitors and foreigners in America. Even though this plan is designed for people involved in accidental deaths, it will still cover for repatriation of remains to your home country regardless of the cause of death. Continue Reading...

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What US Visitors Should Know About Pregnancy and Maternity Insurance

Pregnancy Insurance for Visitors | India Network Health InsuranceGiving birth in the US can get very expensive. A natural delivery may cost between $10,000 and $20,000 and can easily get more expensive if there are any complications during child birth. A reliable health insurance will help you get the treatment you need without breaking the bank.

Just like pre-existing conditions, most insurance companies do not cover pregnancy and maternity expenses for US visitors. Unlike other insurance companies, India Network Health Insurance has plans that will cover visitors who become pregnant while in the US. ACE plans for visitors are designed to cover different medical conditions so that you won’t have to worry. Continue Reading...

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Are we taking precautionary measures while traveling with a pre-existing condition?

Are we taking precautionary measures while traveling with a pre-existing condition?

Besides keeping ourselves safe and sound, it’s also wise to keep ourselves covered with Visitor’s Insurance that also covers pre-existing conditions.

Quite a few of us have parents that live overseas. Once in a while they get to visit and stay with us for a few months. Unfortunately with age and pre-existing conditions, like heart problems, blood pressure, diabetes, etc. have become common among many elderly. These problems became so common that many do not even consider them problems! When we don’t have a good Visitor’s Health Insurance plan, the risk is doubled – The out of pocket expenses, combined with the already trauma of our loved one being sick. Continue Reading...

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Will My Parents From Indian Need Pre-Existing Coverage to Visit USA?

Parents Visit | Health Insurance | India Network Health InsuranceYour parents might look and feel healthy, but they might have a condition that they don’t know about. It's very painful to find out about their sickness when it's too late. It is a great idea to get health insurance with pre-existing conditions if your parents are 60 years of age or more. Most insurance companies do not cover pre-existing conditions. India Network Health Insurance has plans that will help with different life threatening episodes caused by pre-existing conditions. India Network treats pre-existing and new problems alike once an option is chosen to cover pre-existing medical conditions, known or unknown to the policy holder. All other products sold may pretend to offer pre-existing condition coverage but they are less likely to help you in case of need (read the small print carefully). Continue Reading...

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Why you need a good visitor health insurance program?

Many of our member starts conversation saying that my friend was telling me that I do not need insurance for visitors as they will always be cared for if then endup in a hospital emergency room in USA. Yes. that is correct many hospitals worry about liability than collecting money when a patient come to an emergency room with a serious medical condition. I wish it was like that in India and all other countries. However, after the patient cared for, the billing department looks for insurance details and if none exists, they extend their search for immediate family. As many Indian community members have decent salaries and hard working with some bank balances, it is highly unlikely the hospitals will write off the amounts for you. The bills may hunt you for years to come. If you are broke and nothing to loose, then you are fine as no one collect anything from you anyway! Continue Reading...

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India Network Visitor Health Insurance launches new user friendly web site

India Network is pleased to announce availability of a new web site design to make it easy to read on the mobile devices. The content is being rewritten for the mobile friendly web site. Please check it out at http://www.kvrao.com

Please provide feedback on content as well as design of the web site. We have not updated the design on our main site at http://www.kvrao.org as we are still beta testing  the new design. Continue Reading...

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India Network Foundation Announces Research Travel Grant to Ms. Amrita Kaurwar, IIT, Jodhpur, Rajasthan, India

India Network Foundation is pleased to announce research travel grant to Ms. Amrita Kaurwar, a Ph. D student at the India Institute of Technology, Jodhpur, Rajasthan, India. Ms. Kaurwar will be using the grant funds to present  (co-authored with other colleagues) entitled "Functional Demarcation of Traditional Off-White Colored Water Pots Manufactured from Rajasthan Clayey Soils and Red Colored Water Pots from Gujarat Clayey Soils Using Spectrographic, Cooling and Strength Studies—A Case Study from Jodhpur, Rajasthan".

The India Network Foundation travel grant is made possible by members and their participation in the Visitor Health Insurance program sponsored by the India Network Foundation. The travel grant is often awarded to a young upcoming scholar from India (any University/Institute) whose scientific research meets or exceeds the expectation of programs chairs of national and international conferences held in the United States. Continue Reading...

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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...

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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.

 

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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...

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