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Visitor Medical Insurance Buying Tips

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  • insubuy
    replied
    1. It will be considered as pre-existing condition and NOT covered in visitor medical insurance plan from any company anywhere.

    2. Answer is in the beginning of this thread itself.

    Leave a comment:


  • mvatx
    replied
    Visitor insurance

    My father will be joining me shortly. He had his by-pass surgery last year. He is in good health now. My question is how this condition will be covered in an visitor medical insurance. Which insurance company will be good?

    Please help

    Leave a comment:


  • insubuy
    replied
    In the tips that I wrote earlier in this thread, please read the section where it mentions about 'PPO Network'.

    Any company anywhere in the world can claim cashless settlement. But when you get hospitalized, you will have finally deal with them and they have to agree to bill the insurance company directly. Unless they (hospital or doctor) agree, it is not going to work out.

    From what I read on their website, it seems that you have to first call them in New Delhi before visiting the doctor/hospital and they will handle everything from there. You can contact your local hospital and ask them whether they are willing to deal with people in New Delhi or they expect you to pay upfront. Whatever their answer is, that is what matters.

    I hope that clarifies.

    If you have any further questions, please feel free post here at any time or you can call us.

    Leave a comment:


  • anurprab
    replied
    Cashless settlement from ICICI Lombard

    There are 2 options on ICICI Lombard's site cashless and reimbursement settlement. IF I go for cashless does it mean they would settle my claims with me paying just the deductibles ?

    Leave a comment:


  • insubuy
    replied
    Yes, WorldMed is the only good plan that provides $100,000 for 70+.
    It participates in MultiPlan PPO network.

    To serach PPO network, please visit https://www.insubuy.com/worldmed/visitors-insurance/
    Click Search Providrers
    You will see a person standing in black pants and black shoes. Near his feet, click on the purple color link 'Search The Networks'.
    Click on 'MultiPlan PPO' link.
    You will see a man standing with his hands folded. Just below him, please click on 'Search Practioners' to search for doctors. Or click on 'Search Facilities' to search for hospitals.

    I apologize that you have to go through so many steps to get there, but unfortunately that is how MultiPlan PPO has put their website and I have no control over it.

    Leave a comment:


  • sugarkane
    replied
    World Med

    World Med has comprehensive plan for 70+. and is the only provider to cover more than $50000. The underwriter is AIG. However, I got lost in the websites, when I tried to see a list of providers. Does anyone have any experience with this policy? How does it fare compared to Protection America.

    Leave a comment:


  • insubuy
    replied
    Please call me at 1-866-INSU-BUY x112.

    I will guide.

    Leave a comment:


  • sejnil
    replied
    Thanks for the quick reponse!

    Hi Narendra,

    Thanks for the quick reponse. I saw that the link you sent me was for fixed and not comprehensive coverage. Is there a decent comprehensive plan for agese 65+ that I can purcahse?

    Also I would like to know what exactly is meant by "pre-existing condition". I read several cases where parents have diabetes and the insurer was looking for diabetic treatment. This is for SURE a pre-existing condition.

    However, say the diabetic patient has a stroke or heart attack, would this be considered a pre-existing condition?

    Sejnil.

    Leave a comment:


  • insubuy
    replied
    Look at https://www.insubuy.com/new-immigrant-insurance/

    Leave a comment:


  • sejnil
    replied
    65+ Dad immigrationg to US

    Narendra,

    Any suggestions for medical insurance for my Dad immigrating to the US? Since he is 65+ I could not find any medical insurance in the US since they limit the age to 65.

    Sejnil.

    Leave a comment:


  • insubuy
    replied
    Unfortunately, Protection America will not cover that as well.

    There is no plan from any company that will cover any pre-existing conditions for visitors to United States.

    Leave a comment:


  • spicehut
    replied
    Medical Insurance Question for visitor with BP PreExising condition

    My father has medical insurance from ICICI LOMBARD (gold plan).
    He has preexisting BP. We want to consult with a doctor to change his BP medication.
    Apparently ICICI does not cover this outpatient cost.
    I want to know if Protection America (IMG) would cover this outpatient cost and any other diagnostic tests that the doctor may order prior to prescribing new medicines for his BP if we take it's plan or is this a pre existing condition that is not covered.

    Leave a comment:


  • coldface
    replied
    Oh, neat. Thanks so much for taking the time to explain the fundamental differences. I'll be sure to further explore the plans you offer.

    Leave a comment:


  • insubuy
    replied
    The plans you are referring that require medical examination, underwriting etc are long term major medical insurance plans from domestic companies for US residents. They usually provide coverage for pre-existing conditions after 6 months (depends upon the state), provide credit for prior creditable coverage among other things.

    However, if you are just migrating to USA, you are not eligible for those plans in most states. That is because those companies do not want to take the risk of insuring you, not knowing about your medical history.

    The visitor medical insurance plans and most other short term plans that you see on our website are not medically underwritten and do not cover pre-existing conditions. Whether something is a pre-existing condition or not is deteremined at the time of claim. That is why they do not require any medical examinations and do not ask any medical questions. You buy this type of insurance when you can't get anything else.

    In other words, there is nothing wrong and nothing to be afraid about. Both work on different set of rules/principles.

    Leave a comment:


  • coldface
    replied
    I will be migrating to the USA at the end of this month to marry my fiance.

    I have been researching different visitor insurance policies and I am curious - most insurance companies in the USA require applicants to furnish documents and undergo medical examinations before they approve the policies applied for. How is it that InsuBuy has no such requirement?

    I am just curious and mean no offence. There've just been all kinds of horror stories of fraud by insurance companies in the past, so I just want to be extra careful.

    Thank you in advance for your answer.

    Leave a comment:

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