Why your Medical Bills won’t be Covered for the Stroke Treatment if You don’t have a Pre-Existing Coverage

In this article we will tell you more about Stroke and explain why insurance companies won't pay your medicals bills for stroke treatment if you don't have a special pre-existing coverage. You always should buy a Visitor Health Insurance with good pre-existing coverage. Please learn more here.

 

What is stroke?

 

 A stroke is a "brain attack". It can happen to anyone at any time. It occurs when blood flow to an area of brain is cut off. When this happens, brain cells are deprived of oxygen and begin to die. When brain cells die during a stroke, abilities controlled by that area of the brain such as memory and muscle control are lost.

How a person is affected by their stroke depends on where the stroke occurs in the brain and how much the brain is damaged. For example, someone who had a small stroke may only have minor problems such as temporary weakness of an arm or leg. People who have larger strokes may be permanently paralyzed on one side of their body or lose their ability to speak. Some people recover completely from strokes, but more than 2/3 of survivors will have some type of disability.

 

Stroke By The Numbers

 

* Each year nearly 800,000 people experience a new or recurrent stroke.
* A stroke happens every 40 seconds.
* Stroke is the fifth leading cause of death in the U.S.
* Every 4 minutes someone dies from stroke.
* Up to 80 percent of strokes can be prevented.
* Stroke is the leading cause of adult disability in the U.S.

Please go to the National Stroke Association website to learn more.
Also, it has been found that in India following diseases increases the risk of stroke by the corresponding percentage:
* Obesity up to 49 per cent
* Smoking up to 46 per cent (in men)
* Hypertension up to 40 per cent
* High cholesterol up to 32 per cent
* Alcohol consumption up to 22 per cent
* Heart diseases up to 12 per cent
* Diabetes up to 12 per cent
* Family history up to 8 per cent

Please read more facts here.

There are many conditions which might cause a Stroke such as high blood pressure, diabetes, etc. If a stroke was caused by any of that pre-existing conditions, insurance companies won't pay your medical bills unless you have a pre-existing coverage. You should be careful when you're choosing a Visitor Health Insurance Plan. India Network offers plans that use policy holder friendly definitions and only a few exclusions. The features are:

a) Pre-existing conditions are covered in the same way as new problems and accidents (No other plan in USA use this broad definition under ACE Premier and ACE Network Plans).

b) Urinary Track Infections are not excluded from India Network Health Insurance Plans. (Many plans put this in exclusion list as it is a common problem among elderly people).

c) All India Network Health Insurance plan claims are processed in the USA, (6 weeks to settle a claim) and they are underwritten by American Insurance Companies.

d) Our plans are not Acute onset (except AXIS Low cost pre-existing conditions Plans) and you can get medical attention whenever it's more convenient  or needed (ACE Premier and ACE Network)

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 pre-existing condition coverage.

Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services

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Frequently Asked Questions about the Coming Flu Season 2017/2018

During the flu season you might have a lot of questions. Centers for Disease Control and Prevention will help you better understand what to do and how to protect yourself from flu. You can learn more on their website. You also can protect yourself from flu if you buy a Visitor Health Insurance with good medical coverage. That will help you to get a medical help right away and get well faster. Please go on our website to learn more.

 

Flu Activity

What sort of flu season is expected this year?

It’s not possible to predict what this flu season will be like. While flu spreads every year, the timing, severity, and length of the season varies from one year to another.

Will new flu viruses circulate this season?

Flu viruses are constantly changing so it’s not unusual for new flu viruses to appear each year. For more information about how flu viruses change, visit How the Flu Virus Can Change.

Will the United States have a flu epidemic?

The United States experiences epidemics of seasonal flu each year. This time of year is called “flu season.” In the United States, flu viruses are most common during the fall and winter months. Influenza activity often begins to increase in October and November. Most of the time flu activity peaks between December and February and can last as late as May. CDC monitors certain key flu indicators (for example, outpatient visits of influenza-like illness (ILI), the results of laboratory testing and reports of flu hospitalizations and deaths). When these indicators rise and remain elevated for a number of consecutive weeks, “flu season” is said to have begun. Usually ILI increases first, followed by an increase in flu-associated hospitalizations, which is then followed by increases in flu-associated deaths.

For the most current influenza surveillance information, please see FluView at Weekly U.S. Influenza Surveillance Report.

When will flu activity begin and when will it peak?

The timing of flu is very unpredictable and can vary in different parts of the country and from season to season. Seasonal flu viruses can be detected year-round; however, seasonal flu activity often begins as early as October and November and can continue to occur as late as May. Flu activity most commonly peaks in the United States between December and February.

How many people get sick with flu every year?

The exact number of flu illnesses that occur each season is not known because flu is not a reportable disease and not everyone who gets sick with the flu seeks medical care or gets tested. CDC conducts surveillance of flu activity year round through several surveillance systems, such as the Outpatient Influenza-like Illness Surveillance Network (ILINet), which collects information on outpatient illness, and FluSurv-Net, which collects information on hospitalizations.  For more information, see CDC’s Overview of Influenza Surveillance in the United States page. However, to estimate the true burden of flu illness in the United States, including total flu cases, CDC uses mathematical modeling in combination with data from these traditional flu surveillance systems. CDC estimates that flu has resulted in between 9.2 million and 35.6 million illnesses each year in the United States since 2010.  For more information on these estimates, see CDC’s Disease Burden of Influenza page.

How many people are hospitalized from flu every year?

CDC estimates the total number of flu-associated hospitalizations in the United States. While CDC’s flu surveillance systems, such as FluSurv-NET, monitor rates of flu-associated hospitalizations in the United States, flu surveillance has limitations because most surveillance systems only capture portions of the U.S. population and in some cases can under-report severe illness, including flu hospitalizations. That is why CDC also uses mathematical modeling to fill in the picture of the disease burden. Since 2010, CDC estimates that flu has resulted in between 140,000 and 710,000 hospitalizations each year.  For more information, see CDC’s Disease Burden of Influenza page.

How many people die from flu each year?

While flu deaths in children must be reported to CDC, flu deaths in adults are not nationally notifiable. CDC uses mortality data collected by the National Center for Health Statistics to monitor relative levels of flu-associated deaths. This system tracks the proportion of death certificates processed that list pneumonia or influenza as the underlying or contributing cause of death of the total deaths reported. This system provides an overall indication of whether flu-associated deaths are elevated, but does not provide an exact number of how many people died from flu. For more information, see Overview of Influenza Surveillance in the United States, “Mortality Surveillance.”

As it does for the numbers of flu cases, doctor’s visits and hospitalizations, CDC also estimates deaths in the United States using mathematical modeling. CDC estimates that from 2010-2011 to 2013-2014, influenza-associated deaths in the United States ranged from a low of 12,000 (during 2011-2012) to a high of 56,000 (during 2012-2013). Death certificate data and weekly influenza virus surveillance information was used to estimate how many flu-related deaths occurred among people whose underlying cause of death on their death certificate included respiratory or circulatory causes. For more information, see Estimating Seasonal Influenza-Associated Deaths in the United States and CDC’s Disease Burden of Influenza page.

If You Get Sick

What happens in the body when someone has the flu?

Influenza viruses usually infect the respiratory tract (i.e., the airways of the nose, throat and lungs). As the infection increases, the body’s immune system responds to fight the virus infection. This results in inflammation that can trigger respiratory symptoms such as cough and sore throat. The immune system response can also trigger fever and cause muscle or body aches. When infected persons cough, they can spread influenza viruses in respiratory droplets to someone next to them; persons can also become infected through contact with infectious secretions or contaminated surfaces. Most people who become sick will recover in a few days to less than two weeks, but some people may become more severely ill.  Following flu infection, secondary ear and sinus infections can occur. For example, some people may develop pneumonia. This can happen to anyone, but may be more likely to happen to people who have certain chronic medical conditions, or in elderly persons.

What should I do if I get sick with the flu?

Most people with the flu have mild illness and do not need medical care or antiviral drugs. If you get sick with flu symptoms, in most cases, you should stay home and avoid contact with other people except to get medical care.

If, however, you have symptoms of flu and are in a high risk group, or are very sick or worried about your illness, contact your health care provider (doctor, physician assistant, etc.). There are drugs your doctor may prescribe for treating the flu called “antivirals.” These drugs can make you better faster and also may prevent serious complications.

Antiviral drugs are prescription drugs that can be used to treat flu illness. People at high risk of serious flu complications (such as children younger than 5 years, adults 65 years of age and older, pregnant women, people with certain long-term medical conditions, and residents of nursing homes and other long-term care facilities) and people who are very sick with flu (such as those hospitalized because of flu) should get antiviral drugs. Other people can be treated with antivirals at their health care professional’s discretion. Treating high risk people or people who are very sick with flu with antiviral drugs is very important. Studies show that prompt treatment with antiviral drugs can prevent serious flu complications. Prompt treatment can mean the difference between having a milder illness versus very serious illness that could result in a hospital stay.

Treatment with antivirals works best when begun within 48 hours of getting sick, but can still be beneficial when given later in the course of illness. Antiviral drugs are effective across all age and risk groups. Studies show that antiviral drugs are under-prescribed for people who are at high risk of complications who get flu. Three FDA-approved antiviral medications are recommended for use during the 2017-2018 flu season: oseltamivir (available in generic versions and under the trade name Tamiflu®), zanamivir (Relenza®), and peramivir (Rapivab®). More information about antiviral drugs can be found at Treatment – Antiviral Drugs.

See “The Flu: What To Do If You Get Sick” for more information.

Stay healthy and get yourself covered from the coming flu season by buying a proper Visitor Health Insurance offered by India Network Services. More details here.

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 pre-existing condition coverage.

Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services

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What does Urinary Tract Infection Mean for Older People and why can it be in Exclusion from Visitor Health Insurance Coverage?

A urinary tract infection (UTI) is an infection in any part of your urinary system - kidneys, ureters, bladders and urethra.
Urinary tract infection is very common among older adults. Lack of estrogen may allow bacteria that can cause UTIs to grow more easily in the vagina or urethra and cause an infection in the bladder. In men, partial blockage of the urinary tract by an enlarged prostate. Other conditions, such as diabetes, lack of activity, poor hygiene, or problems releasing urine. Older individuals are more sensitive to this disease for many reasons, such as their overall susceptibility to infections due to a weakened immune system. Elderly men and women also experience a weakening of the muscles of the bladder and pelvic floor, which can lead to increased urine retention (incomplete emptying of the bladder) and incontinence. These things all lead to infection.

If left untreated, a UTI can lead to acute or chronic kidney infections, which could permanently damage them and even lead to kidney failure. These common infections are also a leading cause of sepsis, a potentially life-threatening infection of the bloodstream.

That's why before you invite your parents to the US, you should buy Visitor Health Insurance with good pre-existing coverage for them. Please learn more here.

Classic UTI symptoms include:
  1. urethral burning with urination
  2. pelvic pain
  3. frequent urination
  4. an urgent need to urinate
  5. a fever
  6. chills
  7. foul-smelling urine

UTI can cause serious health problems. If you think your parent might have a urinary tract infection, see your doctor right away to avoid further complications. If caught early on, a simple course of antibiotics typically clears the infection in no time.

Also there is something else you need to know. Many plans put Urinary Track Infection in exclusion list as it is a common problem among elderly people. So you should be careful when you're choosing a Visitor Health Insurance Plan. India Network offers plans that use policy holder friendly definitions and only a few exclusions. The features are:

a) Pre-existing conditions are covered in the same way as new problems and accidents (No other plan in USA use this broad definition).

b) Urinary Tract Infections are not excluded from India Network Health Insurance Plans. (Many plans put this in exclusion list as it is a common problem among elderly people).

c) All India Network Health Insurance plan claims are processed in the USA, (6 weeks to settle a claim) and they are underwritten by American Insurance Companies.

d) Our plans are not Acute onset and you can get medical attention whanever it's more convenient for you.

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 pre-existing condition coverage.

Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services

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Chronic Obstructive Pulmonary Disease as a Pre-Existing Condition among Visitors Traveling to the US

COPD, or chronic obstructive pulmonary disease, is a progressive disease that makes it hard to breathe. Progressive means the disease gets worse over time.

COPD can cause coughing that produces large amounts of a slimy substance called mucus, wheezing, shortness of breath, chest tightness, and other symptoms.

If you have COPD, you need to see a doctor on a regular basis which can be very expensive when you travel to the US or Canada. That's why you should consider going to this page to learn more about travel insurance cover for pre existing conditions before your trip.

Cigarette smoking is the leading cause of COPD. Most people who have COPD smoke or used to smoke. However, up to 25 percent of people with COPD never smoked. Long-term exposure to other lung irritants—such as air pollution, chemical fumes, or dusts—also may contribute to COPD. A rare genetic condition called alpha-1 antitrypsin (AAT) deficiency can also cause the disease.

Normal Lungs and Lungs With COPD

 Figure A shows the location of the lungs and airways in the body. The inset image shows a detailed cross-section of the bronchioles and alveoli. Figure B shows lungs damaged by COPD. The inset image shows a detailed cross-section of the damaged bronchioles and alveolar walls.

In chronic bronchitis, the lining of the airways stays constantly irritated and inflamed, and this causes the lining to swell. Lots of thick mucus forms in the airways, making it hard to breathe.

Most people who have COPD have both emphysema and chronic bronchitis, but the severity of each condition varies from person to person. Thus, the general term COPD is more accurate.

Outlook

COPD is a major cause of disability, and it is the third leading cause of death in the United States. Currently, 16 million people are diagnosed with COPD. Many more people may have the disease and not even know it.

COPD develops slowly. Symptoms often worsen over time and can limit your ability to do routine activities. Severe COPD may prevent you from doing even basic activities like walking, cooking, or taking care of yourself.

Most of the time, COPD is diagnosed in middle-aged or older adults. The disease is not contagious, meaning it cannot be passed from person to person.

COPD has no cure yet, and doctors do not know how to reverse the damage to the lungs. However, treatments and lifestyle changes can help you feel better, stay more active, and slow the progress of the disease.

You can read more about COPD here.

What visitors traveling to USA, Canada, and Mexico should consider:

Most people have different pre-existing conditions that they might not be aware of when traveling. Due to these statistics, it is important for visitors to get visitor health insurance with pre-existing coverage in order to stay safe while visiting USA. India Network Health Insurance provides reliable insurance coverage for visiting parents, temporary workers, international students, and more. The Plans are underwritten by American Insurance Companies.

Recommended Visitor Health Insurance Plans:

ACE Network: This is a comprehensive plan that treats both new and pre-existing illnesses the same. ACE Network plan covers for 80 percent of medical expense, 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. ACE Network plan uses a very broad definition of pre-existing conditions-- pre-existing conditions are covered in the same way like new problems and accidents except they are subject to different deductible and different policy max.

ACE Premier is another 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. This plan uses a very broad definition like network plan and pays for both pre-existing conditions and new problems using schedule of benefits (Fixed benefits).

Axis Plan is another plan that provides pre-existing coverage. This is a fixed benefit with very limited coverage of up to $1000 for pre-existing conditions based on a very restrictive definition .. acute onset, a common definition used by industry in travel insurance market. Not recommended for any one with serious pre-ex conditions.

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 pre-existing condition coverage.

For more information about Pre-existing Condition Visitor Travel Insurance please visit our website.

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Travel Tips for US Visitors to Reduce Christmas Holiday Traffic Delays

U.S. Customs and Border Protection is reminding travelers who are planning trips across the border to anticipate an increase in traffic due to U.S. Christmas holiday observation, and other shopping events around New Year.

Travelers should also be aware that the Peace Bridge is currently under construction with only one traffic lane available to the United States.  Peace Bridge

“Last year we didn’t experience any significant delays around the Black Friday shopping event,” said Port Director Cary Frieling. “CBP plans and staffs accordingly to make sure travelers can reach their destination timely while still maintaining border security.”

Travelers looking for ways to improve their travel experience should consider the following tips:

  • Acquire the appropriate travel document. Passports, U.S. Passport Cards, Enhanced Driver’s Licenses are just a few of the approved documents. A list of all approved travel documents can be found at www.getyouhome.gov. Obtain proper health insurance coverage, preferably offered by American Insurance Companies, such as India Network Health Insurance Plans for Visitors.
  • Join NEXUS. NEXUS allows pre-screened, low-risk travelers to proceed with little or no delay into the U.S. and Canada. Application forms are available on the Canada Border Services Agency website at www.cbsa-asfc.gc.ca and travelers can apply online at www.cbp.gov. Additionally, NEXUS information is available toll-free at 1-866-NEXUS 26 (1-866-639-8726).
  • Check border wait times. Plan ahead. Give yourself extra time. Check traffic conditions at the border crossings within the region and select the crossing that is least congested. Travelers can download CBP’s Border Wait Time “APP” to their mobile devices for real time border crossing traffic conditions. The app is available in both Google Play and Apple stores. Travelers can also obtain current border traffic conditions at www.cbp.gov/travel/advisories-wait-times
  • If possible travel during non-peak travel times. Peak travel times around the Black Friday shopping event generally begin Thursday evening and last into Friday early afternoon. If you are able, leave the night before to avoid peak traffic delays.
  • Prepare for the inspection process before arriving at the inspection booth. Have your travel documents in hand, roll down vehicle windows and remove hats and sunglasses before entering the inspection area.
  • Travelers are encouraged to visit the “Know Before You Go” section of the CBP web site. To avoid fines and penalties associated with the importation of restricted or prohibited items become educated prior to traveling, this includes agriculture products. Please visit http://www.cbp.gov/travel.
  • Declare your goods. Travelers should declare all items being brought from abroad that will remain in the U.S. This includes gifts and Duty Free purchases.
  • Food and Plants. There are numerous agricultural restrictions on fruits, meats, and plants. Before bringing these items back, check the CBP website on bringing agricultural products into the U.S. If you decide to take your chances and bring it with you, be certain to declare it, and be willing to surrender it if it turns out to be prohibited.

A new downloadable checklist is also now available that can be accessed on your smartphone or device to help you travel smart when traveling internationally.

India Network Services is wishing you a Happy Thanksgiving and reminding you how important it is to have Visitor Health Insurance especially during the holiday season.

India Network Accident and Sickness Insurance provides health insurance for foreign visitors in the United States, Canada and Mexico. All Visa holders and their families are eligible to take advantage of the plans. India Network Plans offer superior health insurance coverage for all age groups of visitors,0-99 years with both fixed coverage, comprehensive coverage and with pre-existing condition coverage. Please go to our website to learn more about our Visitor Health Insurance Plans.

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Type 2 Diabetes – A Major Medical Problem for Most Visiting Parents from India

Type 2 diabetes is the most common form of diabetes highly prevalent among Asian Indian elderly.

In type 2 diabetes, your body does not use insulin properly. This is called insulin resistance. At first, the pancreas makes extra insulin to make up for it.  But, over time your pancreas isn't able to keep up and can't make enough insulin to keep your blood glucose levels normal. Type 2 is treated with lifestyle changes, oral medications (pills), and insulin. When glucose builds up in the blood instead of going into cells, it can cause two problems:
* Right away, your cells may be starved for energy.
* Over time, high blood glucose levels may hurt your eyes, kidneys, nerves or heart.

Some people with type 2 can control their blood glucose with healthy eating and being active. But, your doctor may need to also prescribe oral medications or insulin to help you meet your target blood glucose levels. Type 2 usually gets worse over time – even if you don’t need medications at first, you may need to later on.

Some groups have a higher risk for developing type 2 diabetes than others. Type 2 diabetes is more common in African Americans, Latinos, Native Americans, and Asian Americans/Pacific Islanders, as well as the aged population. Learn more about Diabetes here.

Diabetes Type I and II are both considered pre-existing conditions by almost every health insurance company.  However, if you have type 2 Diabetes, that shouldn't be a reason to stay home and not to travel. India Network Health Insurance offers great Health Insurance Plans for people with pre-existing conditions that cover all age groups 0-99 years old.  Your medical condition diabetes and blood pressure etc. should not the reasons for stop visiting your grandchildren in the US.

About India Network Health Insurance

India Network Services is a US based company that administers visitor health insurance to transition residents, 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 pre-existing condition coverage.

For more information about Visitor Health InsurancePlans for people with pre-existing conditions please visit our website.

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India Network Announces BasicCare Visitor Health Insurance Plan for Essential Needs of Travelers (B1 and B2 ), Students (F1 Visa), and Temporary Workers (H1 Visa) to USA

healthcare insurance company with 30 years of experience in helping foreign visitors to the United States, Canada and Mexico to get affordable health insurance for all age groups of visitors (0 - 99 years old) and for pre-existing conditions using American Insurance companies. Every year thousands of families benefit from India Network Health insurance plans while inviting parents and grandparents to visit them in the United States.

Effective immediately, India Network is pleased to announce a brand new BasicCare Plan offering coverage at lower premiums and covering many essential needs of visitors with no pre-existing medical conditions. The Plan is designed to offer cost effective health insurance coverage for 0-69 years old parents during their stay in the United States. The program is underwritten by AXIS American Insurance Company and all claims are handled by a US based third party administrator, WebTPA.

The BasicCare plan costs less than a dollar a day for 50-59 year old. The program covers doctor visits, emergency room, hospitalization, surgery, medical evacuation, repatriation and accidental death and dismemberment benefits and many other standard benefits. In addition, it offers $25,000 Accidental Death and Dismemberment, $10,000 each for medical evacuation and repatriation. In addition, one nice feature of this program is the access to TelaDoc program (which retails $15 per month elsewhere). The TelaDoc offers the access to Board Certified Physicians in the United States, 24 x7 from the comfort of your home and mobile phone.

“The goal of India Network Foundation is to provide an affordable health insurance for visitors of all ages and especially for the older people and for people with pre-existing conditions. India Network reduced more than thirty percent premiums in the last three months with 100 percent payment of all eligible claims under its policies. Visiting parents and grandparents can take advantage of these low cost plans while visiting their children in the United States without being worried about medical expenses”. said Dr. KV Rao, Founder President of India Network. India Network will continue keep working on making healthcare plans better and more affordable for every person visiting or studying in the United States.

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 visit http://www.indianetwork.org

For more information please visit https://www.kvrao.org

About India Network Health Insurance

India Network Services is a US-based company that administers visitor health insurance to transition residents, 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.

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Learn what you Need to do after Becoming a Permanent Resident (Green Card Holder) of USA

If you have become a lawful permanent resident, congratulations! Read about your rights and responsibilities.


Your Rights as a Permanent Residentgreencard

As a permanent resident (green card holder), you have the right to:

  • Live permanently in the United States provided you do not commit any actions that would make you removable under immigration law
  • Work in the United States at any legal work of your qualification and choosing. (Please note that some jobs will be limited to U.S. citizens for security reasons)
  • Be protected by all laws of the United States, your state of residence and local jurisdictions

Your Responsibilities as a Permanent Resident

As a permanent resident, you are:

For more information, see the “Maintaining Permanent Residence” and “International Travel as a Permanent Resident” pages.

Also, one of the most important things to remember is purchasing a good health insurance plan that will help to protect you and your family from having unexpected medical expenses.

India Network Services provides a variety of different health insurance plans for US citizens and Residents such as CareAccess Plan, Critical Ilness Plan, Fusion Plan, Dental Insurance Plan and RX Prescription Paycard Plan.

Read more about our health insurance plans, visitor insurance plans and worldwide travel plans.

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.

With more than two decades of experience serving the Indian community, the India Network Foundation leverages community participation to offer affordable visitor medical insurance premiums to members traveling to the USA, Canada, or Mexico with Network/Non-Network options.

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Something Very Important to Consider before Your Trip to USA

Sometimes life can get unpredictable and your vacation can end up with a death or terminal illness and all you will want to do is getting back home.
In these sad circumstances when death occurs during your travel, all expenses of returning your remains to your home country will be taken care by the ACE Accidental Death and Dismemberment program. According to the statistics, the average medical evacuation within North America costs $25,000. From Europe, the cost can reach $50,000. The average cost of a nurse escort is $11,000 within North America and $24,000 from Europe. Just think about it, the lost of loved one can be hard enough for your family without being worried about all big bills you left behind.

The ACE Accidental Death and Dismemberment program is designed as essential coverage for anyone visiting, studying or working in the United States. The plan offerings are as follows: $25,000, $50,000 and $100,000 maximum AD&D benefit and the plan includes repatriation benefit in case the insured dies while visiting the USA. Minimum duration required to enroll is one year. All non-US citizens are eligible to apply. This plan covers losses of limbs, vision, hearing, speech and more.

Premiums for 12 months coverage is only $18 for $25K and $36 for $50K and $72 for $100K program. India Network highly recommends this benefit for all members of various community groups, and students.

Please read more about Accidental Death and Dismemberment program

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American Diabetes Month – November

Diabetes is one of the leading causes of disability and death in India and in several other countries including United States. Diabetes can cause blindness, nerve damage, kidney disease, and other health problems if it’s not controlled.

People who are at high risk for type 2 diabetes can lower their risk by more than half if they make healthy changes like getting more physical activity, losing weight, and eating healthy.

American Diabetes Month is a chance to raise awareness about diabetes risk factors and encourage people to make healthy changes.

With this and other National Health Observance toolkits offered on healthfinder.gov, we’ve made it easier for you to make a difference. The toolkits provide resources for organizations like schools, healthcare providers, health departments, and more to raise awareness about critical public health issues, like the importance of preventing diabetes.

India Network Health Insurance provides special health insurance plans for people with Pre-Existing health conditions. These plans are highly recommended for visitors with diabetes, blood pressure, etc. with medications for above 50 years old. Please visit our Health Insurance website for more information

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