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visitsan     10/04/2013 14:31 PM
 


Hi everyone. Thanks in advance for helping me out. My mom has low immunity because of medication taken for preexisting conditions. However she does not have any illness right now. She is planning to visit me in November and I need to know what insurance o buy. Also if she gets like(like cold or flu) during her stay then will the insurance cover that? Also will insurance cover accidents like if she falls down?

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akayal     07/28/2013 16:22 PM
 



I am writing this review to share my recent excellent experience with insubuy.com. Specifically, Mr. Narendra Khatri (the owner of Insubuy) provided outstanding service and assistance in resolving my father’s medical claims with Atlas America during his visit earlier this year. See the details below.

I have been purchasing visitors insurance for my parents as well as mother-in-law from www.insubuy.com (formerly buyamericaninsurance.com) for several years now. Because my risk tolerance level is low in such matters, I have been always purchasing U.S. based comprehensive plans (such as Atlas America offered by HCCMIS or Patriot America/Patriot Platinum America) that participate in cashless PPO network.

Both HCCMIS Atlas America as IMG Patriot America/Platinum America plans do pay the claims, however, it is important to be organized and methodical to get the claims paid. First, unlike the typical employment-based health plans (such as Cigna or Aetna) that we all have in the U.S., all of the visitor insurance plans typically take much longer (several months) to settle the claims. The key is to (a) visit an in-network PPO provider so that you can avail of direct billing and cashless transaction, (b) try to use to the extent you can large medical groups / providers that maintain electronic health records; (c) file claimants statement along with supporting documentation (such as copy of passport, visa, I-94) even if the provider is billing directly to the insurance; (d) pre-emptively fax or mail the complete electronic medical records for the dates of service to the insurance (HCCMIS or IMG) because that is usually the source of delay; (The insurance invariably requests medical records from providers and if the providers do not timely furnish such records, the claim process gets delayed by months.) (e) always communicate by Fax or e-mail (not phone) so that you have a record.

My experience has been that even if you diligently do all of the above, there is still a delay in processing the claims. My most recent experience has been with HCCMIS Atlas America. My father was insured under this plan (with a low $250 deductible and a high coverage - $500K I believe). The beauty of this plan is that the plan pays 100% if you stay in-network and provider bills HCCMIS directly (you need to mention the PPO name, not HCCMIS). In any event, my father had to be rushed to the urgent care of a large medical center here in NJ and then hospitalized for a night at a hospital for sudden GI issues back in February 2013. He underwent endoscopy etc. at the hospitalization, received follow-up specialist care after discharge, and thankfully everything went well. Because we were in-network, everything was cashless. My father recovered and returned to India in March. His medical bills were significant (around $20K). Although HCCMIS didn’t deny any of the bills, all of the bills were in pending status several months later. My wife and I were not making much headway.

That is when I decided to take a chance and send an e-mail to Narendra Khatri at the generic Insubuy e-mail address. I will be candid that I didn’t expect a response from him especially since Insubuy is an online broker. However, I was pleasantly surprised when I got an almost immediate response from Narendra from his personal e-mail address. He called me as well to assure me that he will do everything in his power to assist me in this matter and facilitate the processing of the bills. He was true to his word. The first set of claims were processed and paid at 100% (after a $250 deductible) shortly thereafter. I recently received word from him that the last set of claims including a large hospital bill (more than $10K) was paid. In short, after his intervention, HCCMIS paid all of the claims with zero patient responsibility as per the contract.

I can contrast this experience with my considerable problems last year in getting my mother-in-law’s emergency room claims paid by IMG/Platinum America when I had bought it from another website that incessantly advertises on TV. To be fair, I never contacted that website because I didn’t know who to contact. Although IMG did eventually pay all of the bills at the contractual rate at 100% (after deductible), it initially had denied the bills ostensibly because it didn’t receive her medical records (which was not true), and approved the claims only after I lodged a formal appeal of their denial. It was pretty swift after filing the appeal – the key is perseverance.

In short, I highly recommend purchasing (1) U.S. based comprehensive visitors insurance plan so that you can avail cashless PPO; and (2) and purchasing it from a reputable broker such as Narendra Khatri of Insubuy.com. (Before I start getting innuendos, let me make it clear that I am no relation or social friend of Mr. Khatri. He is just an excellent professional.).

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freephoneid     07/01/2013 02:15 AM
 


Hi,

My parents (66 & 71 yrs) came here in US last month but I couldn't purchase the insurance due to some reasons. Now, I want to know if I can purchase Inbound USA insurance from insubuy.com or not?

Thanks

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Ramdas     02/21/2013 14:58 PM
 


I would recommend ths plan especially for elderly > 60 years of age.
I had this plan for my in-laws in 2010 and luckly we havent used it. So we took the same plan for my mother in 2012 May.
Unfortunately, the day after she anded she had a knee fracture.
So we had to go to prompt care first, then was referred to an orthopedic and for MRI, Xrays etc.. And after the treatment for physcal therapy..
So we had $500 deductible and most of it was covered well espeially the MRI which we ended up paying around 700 or so..
Physical terapy was not covered by the insurance. Only $50 was paid and rest all We had to pay Which was around $250 just for one sitting of therapy.

So, overall compared to other plans, We had good experience from Atlas America nsurance from insubuy.


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maritza kath- ()     01/03/2013 14:52 PM
 


Amazing the nerve they have when they contact you by phone...so caring, asking about your particular problem be it medical emergency yours or a loved one. Then the real ALLIANZ comes out to play, mind games, invasion of privacy asking for medical records that have nothing to do with a claim. Medical records such as GYN exams, does this have any bearings for a claim for food poisoning? NONE yet they want for you to give up the claim so much, that they will use any resource to embarrass you or a loved one. I guess if I had a death in the family I would have to carry the corpse and they would have to perform an autopsy to determine if the person was SICK BEFORE you bought the insurance, and of course it would be denied. Save yourself the aggravation and let's all unite and bring a law suit class A on behalf of all of us that have been impacted by their lack of scruples and BAD FAITH.

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William T Whiting- ()     10/27/2012 00:22 AM
 


I had a situation arise where I needed to postpone a flight well within the time allotted for cancellations. I was required to attend legal prep sessions prior to giving court testimony. Allianz does not "honor" that kind of commitment. In fact, Allianz and the word "honor" don't belong in the same sentence. Like product warranties and utility company 'parts and labor plans' the business model is designed to part you from your money and give you nothing in return. I strongly dissuade any future customer from being fooled into purchasing travel insurance with them. Allianz is a scam perpetuating fraud on customers.

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Amit Budhwani- ()     10/08/2012 20:57 PM
 


Never bur insurance from ICICI LOMBARD. This is just a big scam. We had an emergency and went to hospital for my mom. When the staff tried to confirm the policy, there was no information about my policy with United Health Care. When i spoke to ICICI, they told me that I first need to submit a claim with ICICI LOMBARD then they will send the information to United Health Care which might take upto 24 hours. And I was asked to pay $500 which is the Counter fees for the Hospital.

I dont understnad one thing, if there is emergency will they wait for 24 Hours for ICICI to get the claims and process initiated with United Healthcare.

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stephen randall- ()     08/03/2012 16:00 PM
 


I called Allianz BEFORE making any claims to ensure that I did exactly what they directed - they agreed that I would be covered, and they still rejected my claim. DO NOT USE ALLIANZ. Read on for full details.

I believe that Allianz's claims department acted in bad faith and that their behavior was unfair and bordering on being unethical coming at such a delicate time for me and my family following my mother's passing.

In early June, I learned that my mother (who lives in London, UK) had Leukemia. The good news was that she was responding well to treatment and her doctors told us that with regular treatment she could expect many months with good quality of life.

On June 20th, 2012, I booked flights via Orbitz for my wife and two children to fly from Boston to London to visit my parents. The trip was booked for July 2nd returning on 17th July. I purchased travel insurance from Allianz. The total price of the travel plus insurance was $2711.61.

Unfortunately, on June 26th, my mother fell down at home and needed to be hospitalized. BEFORE changing my family’s travel arrangements, I called Allianz (this would have been either on the evening of June 26th or the morning of June 27th) to confirm that my insurance covered us to change the tickets from 2 weeks to one week (returning on 10th July instead of the 17th) as my mother was now unable to spend two active weeks with her grandchildren.

I was told that I was covered. Specifically the Allianz representative (who was helpful and sympathetic) directed me to page 5 of the Allianz insurance terms (Trip Cancellation or Trip Interruption):

A family member who isn’t traveling with you is seriously ill or injured.

Specific requirement: The injury, illness or medical condition must be considered life threatening, require hospitalization, or he or she must require your care.

I was advised to purchase the new tickets, then cancel the old ones, which I did.

I filed the insurance claim on 29th June 2012.

The following occurred AFTER my claim was submitted but is relevant as it demonstrates how Allianz's claims department treated me.

While my family was in London, they reported that my mother was back home and doing well. I then booked return flights to London from July 11th to August 8th to coincide with my family’s return to Boston. I planned on visiting my parents for an extended period (so I could also enjoy the Olympics).

Two days after I arrived in London, on July 14th, my mother had a serious setback and she decided she no longer wished to continue with her treatment. Her doctor told us that the consequence of her decision was that she would now only have a maximum of a few weeks to live, rather than months. My mother’s decline was unfortunately quite rapid and on 17th July she passed away.

I called Allianz on 19th July to inquire about the progress of my claim (I had not received a reply to my email or online claim of 29th June). I was told that my claim had been rejected due to “existing medical conditions”. I was shocked and asked to speak to a senior claims supervisor and was connected to one. I explained my situation in detail and the supervisor sounded sympathetic and promised to follow up within 24 hours, which he did.

When the supervisor called me back, he started by stating that he had listened to the recordings of my phone calls to Allianz and that consequently, he had an apology to make. The supervisor apologized that Allianz had incorrectly declined my claim on the basis of "existing medical conditions". HOWEVER, he then went on to say that he was REJECTING MY CLAIM FOR A DIFFERENT REASON! I was literally speechless - I thought that I had misheard him. He said he was rejecting my claim under the clause “any problem or event that could have reasonably been foreseen or expected when you purchased your plan”

To be clear, there was no way that I or my family could have reasonably known more than my mother’s doctors. Furthermore, as I was speaking to the supervisor AFTER my mother passed away, his assumption that mother’s decline was foreseeable was obviously tainted. My mother was NOT declining when we purchased the travel and the insurance, nor was it reasonable or foreseeable that she would decline during that period.
 
I was (and still am) deeply upset and insulted that the supervisor assumed I had more insight into my mother's condition than her doctor. When I reminded him that the recordings he had of my calls to Allianz support that my cover was confirmed and that I was advised to cancel the tickets, he said I’d have to subpoena Allianz if I wanted to prove that point. His attitude (especially considering that I was grieving the loss of my mother) was in my opinion, smug and unfair.

If this is how Allianz treats a serious claim, is it a company you could trust?

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Someone- ()     07/13/2012 18:59 PM
 


MUMBAI: In a significant order, Consumer Redressal Commission has directed New India Assurance Companyto pay Rs 52.07 lakh to a city resident for repudiating her foreign medical claim and deficiency in service.
Presiding member P N Kashalkar ordered the insurance company to pay this amount along with interest at the rate of seven per cent per annum from the date of rejection of the claim, October 20, 2010, till actual realisation, besides Rs 20,000 as costs incurred by complainant Nina Sudhir Thackersey.
The complainant had taken an Overseas Mediclaim Policy from New India Assurance Company for USD 1,00,000 towards illness and treatment for accident for the period April 26, 2010 to April 25, 2011.
While on her trip to in on May 9, 2010 she complained of constant chest pain and upper abdominal pain, following which she was admitted at Klinik Hirslanden in Zurich.
At the clinic, Nina was examined by Dr Med. A Muller, Dr Henry Perschak and Dr Stefano Tresch and was subsequently admitted in the intensive care unit where she was administered dialysis. Nina was indoor patient at the clinic for 19 days, and was discharged on May 28, 2010.
Nina was asked to stay back for four days and called for re-consultation on June 4, 2010. On June 1, she was examined again by Dr Tresch who advised her by issuing a certificate that she should go back to India accompanied by a doctor. She returned to India on June 2, along with her husband and an Indian doctor.

Source: Times of India, June 21, 2012

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Panchsheel G- ()     07/04/2012 10:54 AM
 


Thank you for the insurance plans. We lived (in the U.S.) without worrying much about health and thankfully we didn't needed any doctor as there were no health issues with any of us.

Next time we will take same plan and will definitely touch you.

Regards
Panchasheel

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