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  • insubuy
    started a topic Visitor Medical Insurance Buying Tips

    Visitor Medical Insurance Buying Tips

    Before buying any insurance, you need to make sure few basic things:
    * PPO Network: Most comprehensive plans from US have PPO network. e.g., Atlas America Insurance has First Health PPO network. It has got very huge number of providers in the network(some 475,000 doctors, and 4,500 hospitals in US). Very widely recognized PPO. When you go to those providers, they will bill insurance company directly and charge you only network negotiated fee.

    Whenever you buy insurance, you have to ask whether there is any network. If they say, you can go to any doctor, you have to ask "I can go to any doctor. But who is going to accept it?" If they say, everyone. Then, first ask the hospital where you have to the insurance from, where claim is going to occur and whether they would accept it, bill directly or not. If they say no, no matter what agent/insurance company says, it is not going to help you.

    * Insurance card: As most of you know, whenever you go to the doctor, first thing receptionist ask is 'give me your insurance card' which you get if you buy from US. Ask any company whether they issue any such card. In absence of such thing, providers would generally be not willing to bill insurance company directly, and rarely overseas.

    * Claims/administration: Even if the claims are adjusted in US, ask whether
    administrator has actual reserve of money to pay or they have to get it from insurance company first. And if later is the case, if administrator in US can't first pay you/provider until they get money from actual insurance company. And all that can take time, sometime months, and meanwhile, collection agencies may already be after you.

    * Customer Support: Ask about working hours for emergencies, and for admin hours. Whether there is any toll free number, whether you have to call the insurance company overseas before going to the doctor etc.

    * Coverage type: Make sure you understand whether the coverage is fixed or comprehensive. This is not explained many times. Some times, coverage is comprehensive below some age (like 55) and fixed after some age(e.g. above 55). Please clarify that first.

    * Cost: While this is an important factor, please do not make it the only factor into consideration before buying it. Many times, what you pay is what you get.

    * Renewal: Ask whether the plan is renewable in case you are not sure how long the person is going to stay. If the person is initially planning to stay for 6 months, and decides to extend for another 6 months, whether the policy can be renewed. (To the best of our knowledge, Indian law does not allow any insurance company in India to insure person for more than 6 months who is staying/visiting abroad.)

    * Refund: Ask whether there is any refund in case of early departure from US because of whatever reason.

    Also, please read https://www.insubuy.com/visitor-medi...ance-overview/ that will help you understand the process.

    If someone is saying that you need to go to hospital instead of a doctor, check whether there is any outpatient benefits (such as doctor's office visit, outpatient prescription drugs, x-rays etc.) are covered or it is just hospitalization coverage.

    And whichever agent you are talking to (US or India), ask them whether they are licensed insurance agent, what kind of professional experience they have. If you are buying through some travel agent in India, he may not be aware how healthcare system works here in US.

    Also, from whomever you buy, ask what kind of mediation or representation or other support someone will be able to do in case of any problem later. If the agent is in India, ask how they will provide service in US.

    If you have any further questions, please post them here or call us at 1-866-INSU-BUY

  • insubuy
    replied
    Deductible is per person.

    Leave a comment:


  • nagmad
    replied
    Patriot America: Query on Deductible

    Hello Mr.Narendra

    My parents will be visiting me next month and I am planning to buy Patriot America for them.

    I have query reg the deductible: Suppose I get a coverage of say 50000 USD with 250 USD deductible for both my parents. If both of them have to visit a doctor during their stay, then would my deductible be 250 for each of them or is it that the total deductible for both of them combined would be 250?

    Thanks and Rgds

    Leave a comment:


  • blaw
    replied
    Thank you!

    Narenda,
    Atlas America it is. I will get it from https://www.insubuy.com/atlasamerica-insurance/.
    Thank you so much. I've lost so much time trying to understand everything; you've been a great help!

    Leave a comment:


  • insubuy
    replied
    I understand it is confusing.

    For your son, for Protection America purposes,
    Home Country = France
    Country of Citizenship = Canada

    Return Rider covers in Country of Citizenship (Canada) if it is not same as Home Country (France). However, if the person is already in Canada, return rider can't be purchased.

    Look at Altas America, https://www.insubuy.com/atlasamerica-insurance/
    It does not go by country of citizenship and covers anywhere outside home country(France for your son), including US/Canada.

    Leave a comment:


  • blaw
    replied
    Return Rider

    Narendra,
    I looked at the Protection America Return Rider and it states that the insured person must be outside of his/her home country at the time of application. From your reply, even though he has lived in France for many years now, is his home country still considered Canada since he is a Canadian citizen? I find this part about home country very confusing, which is why I have a difficult time figuring out which insurance.
    I forgot to mention that he is already in Canada, traveling with his mom. My husband, his father, will pick him up July 26, in Canada and at that time, he will need insurance. He is covered right now with the other side's plan.
    If Protection America is not the correct plan for this case, can you please recommend one?
    Once again, he has lived in France for many years, is visiting Canada right now and is a Canadian citizen, but will be living with us in the US soon. We need travel insurance to cover him for the road trip in case of an accident.
    Please help!!
    Thank you very much in advance.

    Leave a comment:


  • insubuy
    replied
    Yes, he would qualify for Protection America. He should buy it with the 'Return Rider' as he is Canadian citizen and needs coverage in Canada too.

    Leave a comment:


  • blaw
    replied
    Need advice

    Hello,

    I need to insure my stepson for trip insurance. He is currently a resident of France but is a Canadian citizen. My husband is picking him up from Montreal, Canada, then going for a road trip (camping) across Canada to British Columbia, then coming back down to Arizona. I need for my stepson to be covered in Canada from July 26/07 to Aug 21/07, then in US from Aug 21/07 to Sept 1/07. My company health insurance will kick in at that point as he has decided to live here with us.

    Will Protection America cover my stepson?

    I will purchase online as soon as I know this is the correct policy. If my stepson does not qualify for this policy, then please recommend one.

    Thanks,
    B Law

    Leave a comment:


  • insubuy
    replied
    Visitors Care is much better product compared to that plan.

    Visitors Care advantages:
    There is no application fee or membership fee.
    Deductible: $50 or $100 per entire policy period vs. few hundred dollars per every sickness in them.
    All the individual coverage limits are also much higher in Visitors Care compared to them. You can check the brochure for limits such as Hospital Room/Board, ICU, Dr. visit. You will find that almost all the limits are higher in Visitors Care.
    Can be renewed for minimum 5 days.

    The primary reason the prices are lower in Visitors Care while the coverage is much higher is the volume of business, the no. of policies sold by the insurance company. As you know, more and more business insurance company does, they are less and less affected by few big claims.

    Just think about how Wal-Mart provides quality service and products at low price.

    If you have any further questions, please feel free to contact us and we would be glad to go over more details.

    Leave a comment:


  • tthcinema
    replied
    Visitors Care vs. another insurance plan

    Dear Mr.Narendra
    I am trying to take insurance for my father (73 years). I came across Visitors Care on insubuy and also the one at ***.
    My understanding from reading the brochures is that they both are fixed coverage plans and are very much alike. But I dont understand why the premium for a 50K policy is only 86 in Visitors Care and it is much more over there.
    I am not sure what I am missing.
    Could you kindly help.

    Appreciate your inputs and time very much.

    Leave a comment:


  • insubuy
    replied
    No, he means Protection America, available at https://www.insubuy.com/patriot-america-insurance/

    Leave a comment:


  • sheerfun
    replied
    Visit USA?

    Hi
    When you say you bought from IMG i presume you mean the Visit USA plan correct?

    Leave a comment:


  • mnagelia
    replied
    My own tips and positive experience

    I have seen Mr. Narendra Khatri stating many times on the board that people don't post positive experience. So I decided to post mine along with some of the tips and the lesson learned, hoping that will help lot of other people who are in same boat as I was few months ago. Go to experience section and read "Great Experience with BuyAmericanInsuarnce/OK with IMG"

    Thanks.

    https://www.insubuy.comhttps://www.i...rance-reviews/

    Leave a comment:


  • insubuy
    replied
    $100,000 is per person.

    Leave a comment:


  • dkm
    replied
    Visitor medical insurance question

    I purchased visitor medical insurance for my parents from your website with IMG group.

    The question is, policy maximum says $100,000, is this for each one or combined.

    Appreciate your reply.

    DKM

    Leave a comment:

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