Knee Pain as a Pre-Existing Condition for Visiting Parents

Knee pain can be caused by a lot of factors but the most common factor is arthritis. Treatment will vary depending on the cause and it will  pricey. Arthritis is very common pre-existing condition among India parents. That's why before you invite your parents to the US, you should buy Visitor Health Insurance with good pre-existing coverage plan for them. Please learn more here.

The India West is going to help you to learn more about knee pain. You also can go to their website to read more.

Common causes of knee pain

As we age, our knee joints tend to bear the brunt of our weight and physical activity. Likewise, this leads to the development of joint pain, which can then become persistent, and in more advanced cases, develop into arthritis.

While there are a variety of causes for knee joint pain and knee arthritis, the most common cause is osteoarthritis. Think of osteoarthritis as the wear and tear of the lining of the joint surfaces.

 This condition gets worse with age and physical activity. However, some of this wear and tear can occur earlier in life, especially if you have suffered an injury to your knee.

Common treatment options for knee pain

There are a few treatment options typically prescribed for those who have osteoarthritis in their knee, or just have general knee pain. These include:

Painkillers.

Frequently those suffering from knee pain use Tylenol, Ibuprofen and a variety of other drugs that have been around for a long time.

While a lot of people use these medicines, it’s important to understand they come with significant side effects. For example, these drugs can cause acidity and stomach ulceration. They can also have a lasting impact on your kidneys and liver; with excessive use, painkillers can lead to failure of these organs.

Occasional use of these medications may be fine. However, when the deterioration of your knee joint progresses and your pain is so constant, it’s understandable that you would feel the need to use painkillers more frequently. Nonetheless, their frequent use is not recommended, nor is it good for your body.

Injections

Patients with persistent knee pain that cannot be relieved with routine painkillers are likely to get some form of imaging done, either by X-Ray or MRI.

The findings from these images often show the following:

• A loss of joint space,

• A narrowing of the joint space,

• Thinning of the menisci,

• A loss of cartilage that lines the surface of the joint, and

• Bones that have started to become deformed.

When the damage to your knee reaches this point, patients frequently receive

steroid, hyaluronic or gel injections.

While these injections have been around for quite some time and they do provide temporary relief, they do little to alter the progression of the joint damage.

What happens then? Your pain will come back, and your joint will continue to get weaker.  In fact, some of the chemicals in these injections can cause further damage to the joint. That in itself can lead to more frequent injections just to provide temporary pain relief.

Surgery

If over-the-counter painkillers and steroid injections are no longer helping you, at this point your doctor is likely to recommend arthroscopic surgery.Basically, this procedure is an invasive surgery where the joint is “cleaned”. Some of the tears and/or worn-out tissue are removed in order to promote healing.

However, arthroscopic surgery rarely translates into any practical benefit. After this procedure, you are unlikely to be completely pain-free. More importantly, the surgery does little to stop the process of degeneration that is already taking place in your knee joint.

So, even as your recover from arthroscopic surgery, you are likely to still experience pain. Plus, your activity level will continue to decrease. When you finally get to a point where the pain is unbearable and you can no longer do the activities you love, or even perform your normal daily activities, a physician is likely to recommend joint replacement surgery.

By no means a minor surgery, joint replacement surgery requires a prolonged and painful rehabilitation process. While you may come out in relatively good shape, there is no guarantee your knee pain will have completely disappeared. Plus, having a foreign body (a new knee joint) increases your risk of infection.

An alternative treatment option.

As you can see, the common treatment options for knee pain are not very satisfying, as they do little to stop the wear and tear on your knees, only provide temporary relief, and carry much risk.

Fortunately, there’s an alternative treatment that can help bone, joint, muscle and soft tissue conditions. This treatment is called stem cell therapy.

Stem cell therapy has many different meanings for different people due to lack of standardization in the medical world. Therefore, for the purposes of this article, we are going to focus on the most important factors involved in the treatment protocol.

First and foremost, stem cell therapy is the only treatment that attempts to regrow the worn cartilage, deformed bones, and meniscal tears. It is designed to regenerate your soft tissue.

 Similarly to the way the brake pads in your car can wear down, instead of replacing the entire car, you replace the brake pads only. Likewise, the cartilage in your knee joint wears down due to wear and tear. So, the goal with stem cell therapy is to regenerate your cartilage without replacing the entire knee joint.

Please go to this website to read the full text of the article.

You should be careful when you are shopping for a Visitor Health Insurance Plan. If you don't buy a pre-existing condition coverage, health insurance company won't pay your bill for pre-existing condition. 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.

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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A Myth of 100% Visitor Health Insurance Coverage

Visitor Health Insurance companies often promise to pay for 100% of your medical bill but does that mean that you're fully covered? India Network Services will help you better understand how to not get fooled by Health Insurance Companies. Meanwhile go to our website to learn more about Visitor Health Insurance plans.

Every visitor health insurance plan has a list of exclusions, co-pays, co-insurance that are not covered for by the plan. There is no such thing as 100% coverage. Often Health Insurance Companies give you a number of out of pocket limit and it's t based on what the policy is has to cover, not how much you might have to pay for your entire medical care.

You probably think that knowing your deductible number and monthly premium is all you need to plan your medical care budget, but that is not true. You have to calculate the cost of medications you take on the regular basis, and any pre-existing conditions that you have in addition to the deductible and premiums.

Another problem you might experience is that many plans don’t give you any drug benefits (even on generics) until you reach your deductible, which can be the thousands of dollars.

Also many people don’t realize that there are a lot of medical treatments, procedures, therapies, and hospital stays that even if they were prescribed to you are still not included in your plan meaning that you would have to pay for them out of your pocket. And often nobody tells you that they’re not covered until you get the bill.

If a hospital or doctors office are in-network, does mean that everyone else such as independent providers, labs, tests, specialists, and some others that work within the facility can still be out of network.

India Network Services has been in business for almost 30 years. It's US based company. We don’t have any offices in India.  Please go to our website to learn more about our Visitor Health Insurance plans.

The India Network features are:

1. India Network Plans are sponsored by nonprofit India Network Foundation and underwritten by highly rated USA insurance companies.
2. All India Network Claims are processed in the United States following US standards that apply to domestic plans.

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.

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Varicose Veins as a Pre-Existing Condition for Travel Health Insurance: Causes, Signs, Symptoms & Prevention

Varicose veins are very common in India, with over ten million cases of the disease every year. Over 30 per cent of the adults are estimated to suffer from this disease (according to The Times of India). It basically refers to veins that become swollen or enlarged. This happens when the blood circulation of the veins is affected. In a normal and healthy person, there are valves that stop the blood from getting stagnant or flowing backwards. But when one contracts varicose veins, the valves are damaged and become weak, so that they can no longer restrict the blood from stagnating or flowing backward. The symptoms of the disease, as mentioned above, include swelling and enlargement of the veins. Please go to The Times of India page to read the full article.

Varicose veins is a pre-existing condition and if you have this, you need to purchase Visitor Health Insurance with pre-existing condition coverage. Go to this page to learn more about travel insurance cover for pre-existing conditions before your trip.

There are many patients who may also experience aching and pain in the legs, twisted veins that may also become a cosmetic concern and the veins appearing blue and dark purple.
These gnarled veins can develop in any part of the body but they mostly develop in the legs and feet. This happens because of long hours of standing and walking as it puts the legs under pressure, weakening the veins in the process. There are many factors that increase the risk of varicose veins for a person. These include factors such as a person's gender (females are more likely to contract varicose veins due to their hormonal differences), genetics (varicose veins may run in families), being overweight or obese (as this puts more pressure on the veins, increasing the risk factor), age (people are more likely to contract varicose veins when they get older as this causes general wear and tear of veins) and certain jobs that involve long hours of standing.The best way to prevent varicose veins is by making certain lifestyle changes that help you lessen the pressure that you put on your veins. These include avoiding standing for long hours, maintaining a healthy weight and exercising regularly.

Varicose Veins Causes
The condition is caused when the valves and veins in your legs are weakened or disrupted. This leads to an improper functioning of the valves which in turn can lead to collection of blood in the legs. The causes for this may include:
1. Age: As one ages, the valves in their veins may weaken.
2. Family history: If any of your family members has been diagnosed with varicose veins, you are more likely to get it.
3. Obesity: Excess weight puts extra pressure on veins and can damage them, which can develop Varicose Veins.
4. Lack of movement: Either standing or sitting for a very long duration of time can make your veins work harder to pump blood to your heart and can weaken them in the process.
5. Pregnancy: Pregnancy causes an increase of blood pressure in the body, which may cause the veins to enlarge. The growing uterus also puts pressure on the veins. But this condition of Varicose Veins is mostly temporary and improves in about three months after delivery.

Varicose Veins Symptoms
Varicose Veins may or may not cause pain. The primary symptom of the condition is an appearance of blue and purple coloured twisted and bulging veins just beneath the surface of the skin. Other symptoms may include the following:
1.Itching over one or more of the affected veins
2. Discolouring of the skin
3. Darkening of the affected area
4. Thinning and drying of the skin

However, in case of painful signs and symptoms, it may cause:
1. An achy or heavy feeling in your legs
2. Burning, throbbing, muscle cramping and swelling in your lower legs
3. Worsened pain after prolonged sitting or standing
4. Bleeding from varicose veins
5. A painful cord in the vein with red discoloration of the skin
6. Colour changes, hardening of the vein, inflammation of the skin or skin ulcers near your ankle. This could also mean that you have a serious form of vascular disease that requires medical attention.

Varicose Veins Prevention
1. Place your feet on two or three pillows while resting. When you lie down with your legs at a higher position, your body ensures that blood does not collect in the veins, thus preventing Varicose Veins.
2. Keep your weight in check.
3. Wear loose, comfortable clothing as wearing tight clothes may restrict blood flow towards the heart and this will only worsen the condition of Varicose Veins.
4. Avoid standing for long periods of time.
5. Massage the legs as it not only provides relief but also has curative potential. While massaging, the movement should be towards the heart.
6. You should not scratch varicose veins as it may cause ulcers.

Please go here to learn more.

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  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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How to Choose the Right Health Insurance Company when You Shop for Visitor Health Insurance?

Selecting the right insurance company can be overwhelming and very stressful. We will help you to determine the key factors for choosing the right insurance company for your visitor health insurance's needs. Meanwhile go to this website to learn more about Visitor Health Insurance plans. Unlike India Network Health Insurance Plans (underwritten by American Insurance companies such as ACE, and AXIS), most visitor health insurance plans offered by various websites are all underwritten by International Insurance companies that are also known as surplus lines. International Insurance companies (Lloyd, Sirius International, etc) are not protected by Guarantee corporation that offer additional layer of protection to consumers in the US when US based insurance companies underwrite plans.

Here are what you need to look at when you shop for Visitor Health Insurance plans:

* Company reputation. Research the insurance companies you’re interested in. By visiting their websites, you may learn:

- How long they have been on the market;
- Their mission and values;
- Where they sell their insurance products;
- Community involvement.

Insurer’s financial rating. They all use a scale that is similar to the school grades, just a little more complicated. The grades range from A++ or AAA at the top down to F at the bottom. The closer an insurer is to the top of the scale the more financially secure you will feel.

* Price vs. Coverage. Your should remember that price is not the main point of consideration. Always select an insurance company that provides the best coverage for your travel health insurance needs. Less coverage sometimes means more money you will have to pay extra when a loss occurs.

* Ease communication with your insurance company:

- 24/7 customer service;
- online payment;
- online application process;
- social media accounts.

India Network Services has been in business for almost 30 years. Its US-based company. We don’t have any offices in India.  Please go to our website to learn more about our Visitor Health Insurance plans.

The India Network features are:

1. India Network Plans are sponsored by nonprofit India Network Foundation and underwritten by highly rated USA insurance companies.
2. All India Network Claims are processed in the United States following US standards that apply to domestic plans.
3. India Network Services pays 100% of all eligible claims than anyone else in the industry.

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.

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Prepare Your Home for Winter Weather – Tips for Visitors and Locals

Center of Disease Control and Prevention prepared a list of essential things you need to do to get yourself ready for the coming winter season. Also get yourself protected with Visitor Health Insurance. It will help you to get medical help right away when you need it. Please go to this website lo learn more about Visitor Health Insurance Plans offered by India Network Services.

Prepare for extremely cold weather every winter—it’s always a possibility. There are steps you can take in advance for greater wintertime safety in your home.

Take Action

 

*Listen to weather forecasts.
*Have your chimney or flue inspected each year.
*Install a smoke detector and a battery-operated carbon monoxide detector. Test the batteries each month and replace them twice a year.
*For older adults, keep an easy-to-read thermometer inside your home.
*Weatherproof your home.
*Bring your pets indoors during the winter.

Listen to weather forecasts regularly and check your emergency supplies whenever a period of extreme cold is predicted. Although periods of extreme cold cannot always be predicted far in advance, weather forecasts can sometimes provide you with several days notice.
If you plan to use a fireplace or wood stove for emergency heating, have your chimney or flue inspected each year. Ask your local fire department to recommend an inspector or find one online.
If you’ll be using a fireplace, wood stove, or kerosene heater, install a smoke detector and a battery-operated carbon monoxide detector near the area to be heated. Test them monthly and replace batteries twice a year. All fuel-burning equipment should be vented to the outside. Each winter season have your furnace system and vent checked by a qualified technician to ensure they are functioning properly.
If you are over 65 years old, place an easy-to-read thermometer in an indoor location where you will see it frequently. Your ability to feel a change in temperature decreases with age. Older adults are more susceptible to health problems caused by cold. Check the temperature of your home often during the winter months.
Insulate any water lines that run along exterior walls so your water supply will be less likely to freeze. To the extent possible, weatherproof your home by adding weather-stripping, insulation, insulated doors, and storm windows or thermal-pane windows.
If you have pets, bring them indoors. If you cannot bring them inside, provide adequate shelter to keep them warm and make sure they have access to unfrozen water.

Checklist

* Insulate walls and attic.
* Caulk and weather-strip doors and windows.
* Install storm windows or cover windows with plastic from the inside.
* Insulate any water lines that run along outer walls. This will make water less likely to freeze.
* Service snow-removal equipment.
* Have chimney and flue inspected.
* Install easy-to-read outdoor thermometer.
* Repair roof leaks and cut away tree branches that could fall on your home or other structure during a storm.

Please go to this page to read the full article and get more information.

To be able to get medical help right away and don't get yourself in financial troubles, you need to get a Visitor Health Insurance. That will help you during any medical emergencies. On this page you can learn more about Visitor Health Insurance plans offered by India Network Services.

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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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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