Visitor medical insurance for parents

[submittedviaemail]

Hi Narendra,

My parents will be visiting US for 4 months this year.

My father is 63 years old and my mother is 59 years old. The both are in good health, however due to age my father takes a very mild medication for High Blood Pressure.

He has no history at all for any kind of heart problem, no hospitalization or surgeries ever in his lifetime, no family history of heart issues either.

My extreme question is in case he has a Heart Attack while he is in US, will that be considered as a pre-existing disease due to his high BP or will it not be considered as a pre-existing condition?

Again he is in pretty good health and I think it is very normal for a person of 63 yrs age to have a mild High BP.

I expect your answer will be to the point as my question is.



Thanks

[insubuy]

Thank you for your interest in purchasing insurance for your parents. I will try to answer as precisely as possible.

Hypothetical questions can not be answered with Yes or No in advance. Each case is specific. If something happens, depending upon the treatement records, attending physician statements and all diagnostics, it will be deteremined by the claims department whether something is a pre-existing condition or not.

[submittedviaemail]

Thanks for your response, however I did not get an answer.

Simple question: if a person has High BP nothing else, will an event like Heart Attack be considered as a pre-existing condition?

I will not be taking your answer as a hard line, just want to understand the pre-existing clause a little bit before I decide which insurance to take.

[insubuy]

You didn't get the answer you were looking for but there is no such answer.

Heart attack can be caused by many factors. Therefore, I have seen people being covered for heart attack inspite of presence of risk factors and seen declined as well. In other words, there is no simple Yes/No answer upfront. It is just like taking a chance.

I face the same issue when my parents visit here.

[submittedviaemail]

Thanks Narendra!

I think I will be going for the Atlas Insurance.

[insubuy]

You are welcome.

You can buy it online at https://www.insubuy.com

Please feel free to contact us at any time if you have any questions or need any help.

[submittedviaemail]

Thanks!

Is there some discount that you can offer me if I buy insurance for my parents?

I can do lot of referrals for your company in future.

[insubuy]

Actually, insurance prices are regulated by law and everyone (including myself) have to pay the same price.

I definitely appreciate you recommending people to us, but any kind of discounts are prohibited by law.