US citizens spending time both in US and in India

[submittedviaemail]

Hi....I (61 yrs)wife (59yrs),both US citizens..hv a home in TX and in India....we r retired and stay 6 mo. ea in Tx and India or travel . Both are healthy but I had a elective by pass in 1999..not due to heart attack butdue to routine exam..having narrower arteries and some blocks and to prevent possible heart attack. I take aspirin, atenol, atorvastatin..but healthy...Don't hv any problems like BP or sugar etc....would like to hv very good insurance company to cover me in USA w/max deductible and 1 million coverage...I hv my own insurance in India.... I can take yearly insurance or monthly....o problem...At 65 I will get my mediclaim...but i need insurance until then... would u suggest me to buy yearly insurance ( don't mind and can afford if works cheaper) or monthly...what A+ company would U recommend and what is the annual or monthly premiums for both of us and how do we apply...while in USA we normally travel within USA, whenever we hv a chance...pls do advise....thanks...

I looked t citizen secure ....is it the right one.....w/5000 deductible, the annual premium it says is $3784/...who is the insurance provider and AM rating?
My wife is perfect healthy and ihad bYpass surgery done in April 1999 and i am perfectly healthy....Now i take atenol, ecospirin, strovas..in such a case, I assume that this will be excluded but for how long? pls advise.....For claims should i use insurance card or need to get approval if I hv major med situation.....pls advise and i will take insurance....thanks...

[narendra]

For short term visit less than 6 months, you can purchase Liaison International http://www.insubuy.com/sevencorners/liaisoninternational.jsp as long as you spend more time outside the US than inside the US.

Yes, Citizen Secure is a good plan. The underwriter is Lloyds and the AM Best rating is A "Excellent". It will cover pre-existing conditions just like any other medical conditions as long as disclosed on the application and not excluded by the rider. If rider is put, it will mention whether it will be permanent exclusion or for X number of years.
http://www.insubuy.com/expatriatehealthinsurance.jsp

Please let me know if you have any other questions.

[submittedviaemail]

I have tried both links u gave me ...interested in platinum which gives private room...but the brochure for both links u gave says for non. US citizens only......pls respond again for suitable insurance for citizens, w/max deductible, good major health coverage w/private room, if hospitalized...pls suggest appropriate one again....Thanks...

[narendra]

Plans at http://www.insubuy.com/expatriatehealthinsurance.jsp are for both US citizens and non-US citizens.

Please let me know where you read it is only for non-US citizens. Please send me the exact URL.

[submittedviaemail]

Thank you...U r right...i read in brochure as non citizen...but now ok...I thought GMI gold or platinum over reside or citizen....what would u suggest.....for..
1. i plan to be in usa june 12-july 12 and oct 10-april 30...w/short visits outside usa/canada
2.i hv a home in Houston area, tx
3. i had a elective bypass in 1999 and doing well now...wife is healthy.
4.how is benefit paid/ similar to the one in usa, showing insurance card and paying at the end whatever insuranc doesn't cover including deductible or thru claim form
5. can i choose any doctor, hospital of my choice..my understanding is copay is required out of network...true?
6.can i fill on online and pay online?
pls advise.....

[narendra]

1. Please note that this insurance is meant for a long term annual basis and not just for a short duration travel. Therefore, you should buy the insurance and make it effective when you are in India. (This answers your other email too.)
2. OK.
3. OK.
4 & 5. Please read http://www.insubuy.com/img/globalmedicalinsurance/network.jsp
6. Yes, at https://www.insubuy.com/img/globalmedicalinsurance/

Please let me know if you have any other questions.

[submittedviaemail]

Thank you...I intend to buy annaul only ...if i buy today ....when will this be effective....from tommorrow if i need...not clear in the link u sent...
from the link I underastand I can go to any hospital/doctor of my choice and file a claim form ...is my understanding correct? between citizen secure, GMI platinum and Reside prime...Cost doesn't matter...I want reliable and best service insurance....thanks...

[narendra]

1. Insurance can be effective as early as the next day.
2. Yes, you can go to any doctor/hospital.
3. GMI Platinum provides the most amount of coverage.

Please let me know if you have any other questions.