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[guest_01]

Hi,

I am planning to buy Patriot America from IMG for my in laws.

I went thru their PDF document but did not get much idea about deductibles.
I am looking for $250 deductibles. What does this mean? does it mean 250 deductible for the period of policy or for each visit to doctor or each hospitalization? Does this mean i won't get any amount from insurance co. till the time i reach total amount of $250? If yes then what 80:20 means?

Will really appreciate any input on this.

One more question. I also heard of visitor insurance from AIG. Anyone has any idea about it?

Pl. advice.

Thanks.

[insubuy]

You can make instant purchase of Patriot America at https://www.insubuy.com/patriot-america-insurance/

Deductible: Deductible is the amount that you have to first before insurance company will pay anything at all. Deductible amount is an annual deductible. Therefore, no matter how many times you have to use the insurance in a period up to 1 year, you have to pay that once.

After you pay the deductible, insurance company will pay 80% for first $5,000 in covered medical expenses. You have to pay 20%. After that, insurance company will pay 100% up to the selected policy maximum.

In fact, you should look at Protection America which is an enhanced version of Patriot America. Look at https://www.insubuy.com/patriot-amer...e/enhanced.jsp for the enhancements.
In fact, Protection America is the best visitors medical insurance available in the market. Please read https://www.insubuy.com/forum/forumdisplay.php?f=125 to understand why.

We also sell AIG health insurance. Please look at Visit USA, WorldMed, Diplomat America, Diplomat LT plans at

https://www.insubuy.com/visit-usa-insurance/

https://www.insubuy.com/worldmed-insurance/

https://www.insubuy.com/diplomat-america-insurance/

https://www.insubuy.com/diplomat-long-term-insurance/

I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.

If you have any

[guest_01]

Thanks Mr. Narendra,

Is there any benefit in AIG over IMG? I just wanted to know this as AIG has higher premium than IMG.

Again as far as protection america is concerned, i don't find it very helpful for my purpose as my in laws trip is confirmed (very less chance of extension) and both of them around 55 years of age. But i do appreciate your concern.

I have few more queries too. My in laws are staying back in UK for 15 days in return journey. Does any insurance cover that period too? or in other words, can insurance taken in USA applicable to UK? Secondly, does this insurance covers trip too? i mean will it be applicable from the point they start their trip or will it be applicable once landed in USA?

Will appreciate your co operation.

Thanks.

[insubuy]

1. Not really. More expensive does not necessarily mean better.

Every company sets the price based on the previous year's claims experience, volume of business they do etc.

Even though some of the plans you see on our web site are underwritten by AIG, they are administered by different administrators. And AIG sets their price based on the claims experience of those administrators, administrator's volume of business etc. Price is not set as per the overall business of AIG.

2. Renewability is the not the only attraction in Protection America. Biggest benefit is the largest and most widely recognized PPO network called First Health PPO network. It has around 500,000 physicians and 4,700 hospitals all across the country and that makes it most widely recognized and accepted visitor insurance plan.
Read https://www.insubuy.com/img-first-health-ppo-network/

3. Protection America will cover in UK as well. IMG has branch in UK as well, just outside London. It will cover during trip also. In fact, anywhere outside home country as long as the insurance is effective.
AIG plans such as Visit USA, Diplomat America will not cover outside US.

[guest_01]

Thanks Mr. Narendra.

One more and hopefully last query. When i am looking for policy it is asking info for both parents and giving me policy amount as 50K / 100K. This 50K is per person or will it be for couple?

When i am looking at premium, there is no difference in premium whether i directly buy it from IMG or from you.! Do i have any benefit in buying insurance from you?

Thanks.

[insubuy]

1. $50k is per person.

2. There is no difference in price. However, we work solely on commissions and I have been helping you for last 4 days. Therefore, I would appreciate if you buy from us. Anyway, IMG never sells directly and even if you go to their web site directly, they will randomly put you under some agent.

Additionally, you get following advantages if you buy from us:

* We don't work for any particular insurance company, but for our clients, you.

* You don't have to shop around. We are one stop shop. We offer all major international medical and travel insurance plans from many companies. We would be able to suggest you the plan that is best suitable for you. We have the experience and knowledge that assures you that you are making a right choice for your unique set of circumstances and requirements.

* Insurance companies (or Administrators) have limited office hours. We are open virtually all the time, 9:00 AM to 10:00 PM Eastern time, Monday to Saturday. You can contact us at any time. Therefore, you get more customer support.

* If you have any trouble with the insurance plan or claims, you can contact us at any time, and we may be able to help you resolve the issue or facilitate the matters. If you bought insurance directly, we are legally not allowed to look into your matters.

* Some companies like IMG don't sell directly. Even if you purchase the insurance from their web site, they will randomly put you some agent.
And if that agent happens to be in Africa, good luck on service!
It is better to buy through us as we would provide you all the service you need. And all the insurance plans are not even displayed on the companies' web sites.

[insubuy]

By the way, could you please tell me where on IMG's web site did you see the premiums for Protection America?