US travel medical insurance for Indians ( Australia residents )

[sam_oz]

Hi Friends

My wife (age 31) and daughter (age 3 ½) is visiting USA for 6 months

Indians but living in Australia so I guess ICICI Lombard is out of choice

Can someone suggest suitable US insurance?
My expectations are
1. Comprehensive
2. Insurance company pay directly to hospital (I am afraid that it they end up in hospital for 2 days, do I need to pay 20K out of pocket and get it back from insurance company!)
3. 100% payable within network and at least 90% outside
4. Refundable in case of early exit

Thanks

[insubuy]

Thank you for your interest in purchasing US travel medical insurance.

We have numerous plans that would meet your requirements 1, 2 and 4.

However, regarding 3, I will describe what is available. You said you want 100% in network and 90% out of network (I will in short call it 100/90).

100/90
Patriot Platinum Insurance https://www.insubuy.com/patriot-plat...ica-insurance/
Minimum $1 million policy maximum

100/80
Atlas America Insurance https://www.insubuy.com/atlasamerica-insurance/

90/80
Patriot America Insurance https://www.insubuy.com/patriot-america-insurance/

80/80
Liaison Continent (Plan A) Insurance https://www.insubuy.com/safe-travels...ive-insurance/
Liaison International (Option 1) Insurance https://www.insubuy.com/patriot-america-plus-insurance/


Regarding your requirement No. 4, please note that the refund in case of early visit is only if there were no claims field during the time insurance was effective and there is $50 or $25 cancellation fee, depending upon the plan.

You can compare all of the above plans online at https://www.insubuy.com

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.

[sam_oz]

With Patriot Platinum or Atlas America, Do we need to pay upfront in hospital or they just need insurance number and hospitals will bill insurer? How the process works ?

[insubuy]

Please read https://www.insubuy.com/what-is-visitors-insurance/

If you have any other questions, please feel fee to post them here or contact us any time.