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Visitors Insurance
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Stay away from Bajaj Allianz Insurance!
This is nothing but a scam and they will turn your life upside down. I have one relative and 1 friend who both got swindled by non-payment of benefits and claims. Stay away and buy Insurance from a company based in America.
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Hygenia vs first health
Narendara, For my satisfacation I tried calling a doctor office to get a sense on Hygenia vs first health. They could not recognize Hygenia . The reason I was looking for Hygenia as atlas america covers the pre exisiting upto $15k in case of an onset. The doctor did recognize the first health but the moment I said visitor insurance she backed up a bit. Any comments
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Experience with United India Insurance
Hi,
My parents are coming in June and we are thinking about buying the plan from United Indian insurance who has tieup with Coris. Can anyone provide some feedback about this insurance?
Pros? Cons?
I couldnt find the claim process or network doctors anywhere on both sites so I am bit confused.
Thanks,
Nilu
My parents are coming in June and we are thinking about buying the plan from United Indian insurance who has tieup with Coris. Can anyone provide some feedback about this insurance?
Pros? Cons?
I couldnt find the claim process or network doctors anywhere on both sites so I am bit confused.
Thanks,
Nilu
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Which insurance to buy?
My parents are coming to USA for 6 months , they will start on june 3rd from Hyderabad. I would like to know what insurance should we buy. They both have diabetes. I would also like to know if i had to take a 6month policy or 180 days policy , i mean what would the insurance companies calculations conist? do they consider as 6month or 180days policy? And from when does the policy start , like time zone and etc?Do we have to buy the policy a day they travel (june2nd). Please help me with this.I would also like to know which company offers best and cheap policy.
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Trip Insurance only
I purchased medical insurance for my parents through the International Medical -> Visitors to USA link. However, I wanted to buy additional trip insurance (should cover only the travel). I tried the Trip Insurance link but that seems to give a package (trip + subsequent medical). How can I buy coverage only for the travel ?
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Visitor with Blood Pressure.
Hi
What If a visitor with blood pressure gets a Heart Stroke. Does it come under existing condition.
What is the best plan in that situation Patriot America or Atlas America.
Thanks
Rajeev.
What If a visitor with blood pressure gets a Heart Stroke. Does it come under existing condition.
What is the best plan in that situation Patriot America or Atlas America.
Thanks
Rajeev.
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Information about reimbursment checks !
Hi,
I would like to know in case of any Claims when reimbursment cheks are issued, these reimbursment checks will be issued on the name of Insured person in Dollars but I think we need NRE or US Bank Account for the checks to be deposited in to and if parents are on travel Visa I am not sure how they can open any NRE or US Bank account as from my understanding Dollar Checks can't be deposited in banks back in India.
Does anyone know how to get around this problem if at all this is the problem or I am missing anything here ?
I would like to know in case of any Claims when reimbursment cheks are issued, these reimbursment checks will be issued on the name of Insured person in Dollars but I think we need NRE or US Bank Account for the checks to be deposited in to and if parents are on travel Visa I am not sure how they can open any NRE or US Bank account as from my understanding Dollar Checks can't be deposited in banks back in India.
Does anyone know how to get around this problem if at all this is the problem or I am missing anything here ?
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Visitor visa after arrival
Narendra,My MIL arrived to US on 03/28/09.
I did not get her any issurance when she came in here. I would like to get the insurance now, I tried to get the comprehensive insurance but I think few companies said "I need to have a prior internaational insurance" so not sure what it means . Suggest what is the best I can go for now. My MIL is in good health
I did not get her any issurance when she came in here. I would like to get the insurance now, I tried to get the comprehensive insurance but I think few companies said "I need to have a prior internaational insurance" so not sure what it means . Suggest what is the best I can go for now. My MIL is in good health
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Worst experience with Cholamandalam insurance
I travelled to USA in September 2006 and had my travel insurance from Cholamandalam but wasn't aware that this was the worst travel insurance one can have! The policy which I had covered all the
usual things such as lost baggage, delay in baggage, lost passport, medical reimbursement, cancel trip and delay in flight. On my way back to India, I had a flight from Chicago to India that was delayed by 24 hrs.
When I came back to India, I claimed for my 'Trip Delay' from Cholamandalam. And this is when my worst nightmare started. First of all, they asked me to provide them with a proof that the flight was delayed. I provided them with all the communication that I had from my airlines in which they clearly stated that the flight was delayed by 24 hrs. As if this was not enough for Cholamandalam, they asked me to provide them with a letter from airlines stating the delay. Why the heck shall I provide them with the letter when I have already given them the ample proof from the airlines that the flight was delayed??. When the airlines provided them the letter they asked me to get a letter from airlines stating the "Reason for Delay". Now this is something which is least expected. I mean I am travelling and my flight was delayed, which my airlines has clearly said, Why should I be bothered about the reason for delay and if insurance company need it so desperately why shouldn't they ask the airlines about the reason?? All said and done, the airlines also satisfied them with the reason.
Something bigger and unexpected waited for me, now Cholamandalam asked me to produce the bills for the expenses made during the period of delay. Come on guys, I am not asking for reimbursement; I am asking for the claim of 'Trip Delay'! Why the hell do you need the bills ?? My flight was delayed, which has been stated by my airlines, now just give me my claim. I took a taxi from airport to hotel, the taxi driver didn't gave me any bill and I didn't bothered for it too because I never thought that I would be asked for the taxi bill for the 'Trip Delay' claim...strange ??!? Isn't it..!??!?
Finally they closed my claim case saying that they cant give the 'Trip Delay' claim until and unless I provide them with the bills.
PLEASE DON'T get your travel insurance from CHOLAMANDALAM.
usual things such as lost baggage, delay in baggage, lost passport, medical reimbursement, cancel trip and delay in flight. On my way back to India, I had a flight from Chicago to India that was delayed by 24 hrs.
When I came back to India, I claimed for my 'Trip Delay' from Cholamandalam. And this is when my worst nightmare started. First of all, they asked me to provide them with a proof that the flight was delayed. I provided them with all the communication that I had from my airlines in which they clearly stated that the flight was delayed by 24 hrs. As if this was not enough for Cholamandalam, they asked me to provide them with a letter from airlines stating the delay. Why the heck shall I provide them with the letter when I have already given them the ample proof from the airlines that the flight was delayed??. When the airlines provided them the letter they asked me to get a letter from airlines stating the "Reason for Delay". Now this is something which is least expected. I mean I am travelling and my flight was delayed, which my airlines has clearly said, Why should I be bothered about the reason for delay and if insurance company need it so desperately why shouldn't they ask the airlines about the reason?? All said and done, the airlines also satisfied them with the reason.
Something bigger and unexpected waited for me, now Cholamandalam asked me to produce the bills for the expenses made during the period of delay. Come on guys, I am not asking for reimbursement; I am asking for the claim of 'Trip Delay'! Why the hell do you need the bills ?? My flight was delayed, which has been stated by my airlines, now just give me my claim. I took a taxi from airport to hotel, the taxi driver didn't gave me any bill and I didn't bothered for it too because I never thought that I would be asked for the taxi bill for the 'Trip Delay' claim...strange ??!? Isn't it..!??!?
Finally they closed my claim case saying that they cant give the 'Trip Delay' claim until and unless I provide them with the bills.
PLEASE DON'T get your travel insurance from CHOLAMANDALAM.
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Parents Comprehensive coverage
My parents will be arriving in US on the 7th of May. After detailed review of various plans and reading experiences, I am leaning towards Patriot America $100,000 limit. comprehensive coverage. Narendra - Your replies have been very helpful. I hope you can assist me here.
Also, how does the claim process work? We go to the doctor / hospital ( we hope not) and then..Sorry for the dumb question but it would be nice if you could detail me on step by step procedure for a proper claim.
Also, how does the claim process work? We go to the doctor / hospital ( we hope not) and then..Sorry for the dumb question but it would be nice if you could detail me on step by step procedure for a proper claim.
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Disclaimer: Please note that the experiences presented are submitted by visitors to our website. Individuals’ experiences may vary, and you should interpret each individual’s experience at your own risk. Do not make a decision solely based on an experience posted here. We do not endorse any individuals’ experiences, and we are not liable or responsible for consequences stemming from your use of the information presented within any individual’s experience.
