Visitors Insurance

I am writing this review almost 2 years after purchasing the policy but I owe Insubuy to review so doing it now. HCCMIS did not process a claim. I filed the claim a few times and appealed directly. The whole process took over an year making calls and being passed around with blame shifting from the insurance to the provider back and forth. I contacted Insubuy with much frustration but complete records of my claim. They were able to resolve it quickly. Fallon, you did well, Thank you! I recommend everyone to maintain paperwork and receipts because if you need to file a claim, the insurance companies will give you a run around, at least HCCMIS did to me. I will not buy that insurance again.

We bought medical insurance for HCCMIS through Insubuy for my parents, visiting here last year. My dad has a history of cancer, but has been in remission for 2 years. When they visited, he had to be hospitalized with high fever and chills and it appeared to be a bad infection. HCCMIS denied all claims saying that the condition is pre-existing. We filed an appeal in September and nothing moved till December. At this point, we contacted Insubuy and Fallon Galloway stepped in to help us. After talking to the agents at HCCMIS, talking to her was like a godsend. She helped us obtain and send medical records, and basically talked us through every step of the process. She was always courteous, even when delivering bad news, and so prompt at every stage of communication. With her help repeated follow-ups, HCCMIS finally paid out all the claims! Personally, I would not do business with HCCMIS 1:1. However, going through Insubuy saved us this time, and that's what we will do for our future visitor insurance needs. Thank you, Fallon!

Hi,

I am really concerning about buying insurance plans for my wife and kid who are on F-2 visa. Some potential plans that come up are Atlas American (by HCC), Patriot America and Patriot Exchange (by IMG) because these plans are quite cheap and have quite good coverage.

The problem is that I read many reviews on other pages saying that these companies could not be trusted and these plans are all scam. All bills will be denied due to pre-existing condition reason (or worse, no reason).

The same scenarios are here in this forum. The difference is that there is an involvement of Insubuy and then most of bills are solved.

My question is:
- I don't understand why the procedure for claiming is clear and insured follows it with full medical records, the claims are still be denied. If so, then how will insured be protected, legally, in such cases?
- And by which way could Insubuy facilitate the claiming process and help in the payment, easily seemingly?

Thank you

This was sent by one of our customer Via e-mail regarding a staff member.

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Romane,

Thank you so much for your extra effort. Your company is very lucky to have such a conscientious employee as you are.

Thank you!

Shari

This was sent by one of our customer regarding their claim assistance
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My father-in-law visited USA in 2014-2015 and was hospitalized. I had the Atlas America insurance. The hospital bills came out to be around \$75,000 and HCCMIS rejected the claim. However, with the help of INSUBUY Claims Resolution Specialist Fallon Galloway everything was resolved. Fallon Galloway went all the distance to ensure that the insurance paid all bills and resolve the whole issue. I am very much grateful to Fallon Galloway for such efficient handling of my situation. I thank INSUBUY and Fallon Galloway for all the help. I also now have full confidence on INSUBUY to resolve any such matter in future through expert specialists like Fallon Galloway.

Debashis

We have purchased visitor insurance through Insubuy several times in the past and we never had to use them until last year. Last year we purchased Atlas America (HCCMIS) insurance for my mother who was visiting us. Towards the end of her trip, she became sick and was hospitalized. The hospital took our insurance information and submitted the bills directly to HCCMIS. HCCMIS rejected the claim using the pre-existing condition reason. Since this hospital admission was not due to a pre-existing condition, we immediately contacted Insubuy and was advised to speak with Fallon Galloway. Fallon got all the details from us related to the claim and she filed the appeal with HCCMIS on our behalf. HCCMIS came back and requested further information which Fallon provided prompty. Soon after that, the appeal was accepted and HCCMIS agreed to make payments for the claim. After few weeks, we got confirmation from the hospital and from the medical providers that they have received the payments.

I wanted to thank Insubuy and Fallon for their assistance with the claims process.
Fallon is extremely knowledgeable and prompt in addressing our concerns. I am truly grateful and appreciative of her support, help and guidance. Insubuy not only has a good website where it is easy to purchase insurance but they also followed through and helped us out after
the purchase was completed.

This was sent by one of customers via e-mail regarding a staff member

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I have now spoken to “Romaine”, who called me as a follow-up.

I would like to congratulate you for such excellent service, and Romaine was most helpful and knowledgeable. I will definitely purchase a policy through you.

Regards.

Ray C Kingston

My mother had to go to the urgent care during her visit to US. We had Atlas America (HCCMIS) purchased through Insubuy. Before going to the urgent care facility, we had confirmed that the hospital was in network and would be covered in accordance with our policy. However, all the claims were rejected by insurance company. Spent a lot of time chasing the hospital and the insurance company directly but couldn't make any progress. As a last resort, reached out to Insubuy (Fallon Galloway) and requested for assistance. Fallon was most considerate and worked hard with the insurance company to have them honor the claim. We can't be more impressed by the dedication to customer service displayed by Fallon (Insubuy).

When we were researching insurance plans for purchasing, we read many reviews praising insubuy but there was a concern if they were genuine. Now, having had a first hand experience, there is no hesitancy in claiming that Insubuy truly help you out as much as they can and deserve all the kudos for not leaving their customers in the lurch.

Respect!

I am writing to express my heart-felt thanks to INSUBUY, especially its Claims Resolution Specialist Fallon Galloway. Last February bought an insurance through INSUBUY and then went to the U.S.. Unfortunately, a few days after my arrival, I was hospitalized due to dark stool. I spent two nights in the hospital and was discharged after the doctors diagnosed my disease, duodenal ulcer, which is not difficult to cure today. Then troubles began to approach. My insurance company refused to pay my hospital bills because it did not think I had an acute onset of pre-existing condition. However my doctors thought I had. I contacted INSUBY. Its claims resolution specialists are wonderful. In particular, Fallon Galloway! During my lengthy negotiations with both the hospital and the insurance, Fallon has been very patient, always available to offer help! I am deeply impressed by the integrity and professionalism that Fallon has demonstrated. Finally my insurance company paid most of my hospital bills, which I am very satisfied! Once again I would like to thank Fallon Galloway and INSUBUY. I feel proud of having been a customer of INSUBUY and would like to recommend it to people around me.

Reference to Policy number - 4030/W-369655/00/000 - I have taken an overseas travel policy in Chennai for a travel to US for 6 months. Based on the policy’s refund procedure, I am eligible for a refund of the unused portion (3+ months) because of my returning back to India.

I am a senior citizen, and I had to talk more than 6 times, and Email more than 8 times with the customer service of ICICI Lombard, in vain, and till date I have not received the refund, even after escalating the details to the grievance people as advertised in their website (Three names are mentioned), however, they do not even have professional ethics to respond to customer query.

I am old enough to raise this battle legally, and with such a pathetic customer service, I would strongly not recommened anyone to take any of ICICI Lombard’s policies. In case of any requirements as to details of this case, I would be happy to provide.

I have paid around Rs.19000 in terms of premium amount, on which, almost half of the amount is eligible for refund for non-usage, as per the policy terms. There are no claims or whatsoever against the policy, however, I am getting same responses on different dates from a customer service professional - Pankaj Chettri, that I have claimed an amount of Rs.300USD! (same as in his mail) If this is the case, ICICI should be paying me this money back! However, this cannot happen, as there was no such claim. I am getting a sense that ICICI enters in fradulent transactions similar to what I have quoted above, and probably, some bigger fish is yet unrevealed.

If you want to waste your money, energy and time, get disrepected and cheated, you have to knock at ICICI Lombard for a policy.

Subbiah, Overseas Travel Policy Holder of ICICI Lombard (Oct 16 - Jan 20)