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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BasicCare – the New Visitor Health Insurance Program launched by India Network Effective Nov 1, 2017

India Network is pleased to announce a brand new program for visitors looking for affordable and cost effective BasicCare health insurance coverage during their stay in the United States. The program is underwritten by AXIS American Insurance Company and offers the best coverage with the lowest premiums in the United States.  The BasicCare plan costs only $28 per month for 50-59 year old and $35 for 60-69 year olds. The BasicCare program offers essential coverage for office visits, emergency room, hospital stay and other standard medical coverage. In addition, it offers $25,000 Accidental Death and Dismemberment, $10,000 each for medical evacuation and repatriation. On the top of all, one nice feature of this program is access to TelaDoc program (which retails $15 per month elsewhere). The TelaDoc offers access to Board Certified Physicians in the United States, 24 x7 from the comfort of your home and mobile phone.

Check out the details of this program at http://www.kvrao.org

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India Network Launches New Online Quote and Purchase tool

India Network developed a highly customized quote and purchase of insurance plans for its members. The new system takes some basic parameters like Age, and what kind of plan, and then show all available plans that fit that criteria. The quote engine provides a customized quote for the duration of their stay and let the members purchase the plan right from the quote engine. Also, a member portal will provide easy access to all policies purchased by the member, print ID cards, Print Brochures, file online claims, contact customer service, renewal options etc. The new quote engine adds few additional products besides India Network Plans.  Try it today the new quote tool with lowest premiums for AXIS Insurance at http://www.kvrao.org/easyselect.php

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India Network Announces New Low Premiums for AXIS Insurance Plans

India Network is pleased to announce low premiums for AXIS Insurance plans with additional plan designs and options. The AXIS American Insurance Company offering now stands as the lowest possible premium for that class of benefits, much below the IMG Visitorcare low cost plan. In additional, AXIS Plans are underwritten by American Insurance Company and claims are adjudicated in USA. We encourage all visitors from around the world take advantage of these low cost efficient plans. Use Quote button to get a personalized quote to compare various plans and purchase the one that suits your requirements.

India Network AXIS Insurance Fixed Benefit Plan Premiums Effective Oct 26, 2017

Policy Maximum 25k 50K 75K 100K
Deductible $100.00 $100.00 $100.00 $100.00
Age
< 17 $16.00 $25.00 $31.25 $37.00
18-29 $16.00 $25.00 $31.25 $37.00
30-39 $18.00 $30.00 $37.50 $42.00
40-49 $19.00 $31.00 $38.75 $43.00
50-59 $28.00 $43.00 $53.75 $59.00
60-69 $35.00 $54.00 $67.50 $84.00
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Why Comparing Prices for Health Insurance Policies isn’t Always a Good Idea?

Why Comparing Prices for Health Insurance Policies isn’t Always a Good Idea | India Network

All insurance companies are using the same risk analysis tool to determine policy premiums and deductibles. In most cases, premium and deductible amounts have a direct correlation to the benefits offered by insurance companies. For example, companies that have high premiums are more likely to pay claims compare to plans with lower premiums and deductibles. Below are things to consider before buying health insurance plan.

Things to keep in mind:

Maximum coverage might not be what you need: There are different insurance companies that have maximum coverage of up to 100k. That might work for a comprehensive plan where the insurance will pay most of the bill, but not so much when it comes to fixed benefit plans since the insurance company have fixed amounts for different health care services.

Coverage per sickness or injury vs. per period of coverage: This is something that most people overlook when it comes to health insurance. There are some plans that offer high maximum benefits for the entire per period of coverage while others offer maximum benefits per each sickness or accident. The question is, would you rather get $10,000 per every sickness or get $20,000 for the entire period of coverage? Continue Reading...

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Preparing for Hurricane Irma in Florida ~ Tips for Visitors

Hurricane Irma | India Network Health Insurance

Florida has a lot of attractions for different ages and backgrounds. People travel to Florida to explore its famous beaches, Disney Land, Universal Studios, and other attractions. During this time of hurricane monitoring, it is important for all visitors to learn about few things that can help them stay safe.

It is very important to know what to do before and after the hurricane so that you can keep your family out of the harm’s way. Knowing what to do and where to go is the first step of planning for hurricane. Below are some important things to consider when it comes to natural disasters. Continue Reading...

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Doctor On Demand to Offer Support to Hurricane Irma Victims

Hurricane Irma | India Network Health Insurance

Through September 15th, Doctor On Demand will be covering for the cost of a medical visit with their board-certified doctors for anyone affected during the hurricane. Please inform your friends and family about this service.

To log in or register to Doctor On Demand, please click here: Go to your account

To use this offer, apply code IRMA2017* to your Doctor On Demand account.

Click the link below to see the outline of different conditions that Doctor On Demand can treat: treatment guide

*Coupon code valid for one medical video visit (excludes psychiatry). Offer valid from 9/6/17 at 12:01 a.m. to 9/15/17 at 11:59 p.m. (all times in ET) in areas impacted by Hurricane Irma in Florida.

Please note: Doctor On Demand is not insurance policy and not affiliated with India Network Health Insurance.

Getting health insurance for your visitors is very important especially during the hurricane season. Visit our website if you want to learn about our visitor health insurance policies.

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Is Visitor Health Insurance a Waste of Money?

Visitor Health Insurance | India Network Health Forum

 

Things to Consider Before Your Trip to America

Planning a vacation or visiting grand children in the United States is always exciting. People traveling to America enjoy wonderful time exploring different states and get exposure to different culture, language, technology, and more. There is always something for everyone.

A person must always bear in mind that the most important thing to do before leaving home is to purchase visitors health insurance. Whether you are going to see family and friends, starting a new job, going to school, or tourism, having health insurance is the most important thing you can do for yourself and your family. It is advised to look into medical evacuation, repatriation and accidental death benefit as well in order to get help when it comes to any accidents or unfortunate events that may happen while traveling in a foreign country. Continue Reading...

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5 Things That Could Make Your Visitor Health Insurance More Expensive

Most people get frustrated about the price they have to pay for health insurance. Many wonder how one plan can be so expensive while the other very affordable. The reality is, all insurance companies use the same risk analysis to determine their premiums and have to make money for their share holders while helping people along the way. Imagine, if insurance companies would be paying 100% of all claims, how many companies will still be here today? It is important to realize that the premium is directly proportional to the coverage you get. A restrictive definition with exclusions may reduce the risk probability to enable someone offer lower premium. Policy maximum, deductible etc look similar but the definitions and exclusions would be drastically different.

Most insurance companies use the same risk models when it comes to premiums, deductibles, and co-pays. The difference between the very expensive plans and the cheapest plans are in the plan design and claims paying and international companies versus domestic insurance companies.  Most plans seem to be cheaper than the others because of the number of exclusions they have and the way they define pre-existing conditions etc.. Some may argue that they need a plan that they can afford, but the real question is, why would anyone get a cheap plan when that plan won't pay for any health expenses or cover very little when the hospital bill arrives?

India Network Offers plans that use policy holder friendly definitions and few exclusions. Notable 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 Track Infections are not excluded from coverage (Many plans put this in exclusion list as it is a common problem among elderly)

c) Use US standard in claim processing (6 weeks to settle a claim) and underwritten by American Insurance Companies.

Continue Reading...

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