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pra2014     09/14/2014 20:52 PM

I had purchased Atlas America insurance for my parents through Insubuy when they visited me earlier this year. I decided to go for this US based insurance product thinking that I might not end up using it but just in case if there is any emergency it will be better compared to products from India since most of the hospital accept Atlas America produce. Now, when I look back I realize that not only did I choose a great product but also great companies like Insubuy who have been with me through all the hardships I faced in last few months.

I made the policy effective on the day my parents were supposed to arrive in USA. Their travel was fine but the problem started after the flight landed. While alighting from the flight, my mom felt dizzy and fell. When she regained consciousness she had difficulty breathing. From the terminal she was directly taken to emergency where she was diagnosed for Pulmonary Embolism. She stayed in ICU for 2 days and had follow up checkups and medication for next 4 months. The total bill crossed 40K.

I got the biggest shock of my life when all the bills were declined stating pre-existing conditions. This is when Sir Narendra Khatri stepped in. I got in touch with him and submitted all the documents from hospital and attending physicians. With his help, we appealed the claim denial and after submitting all the documents the case was approved. Once the case was approved, HCCMIS which administers the product paid all the bills as per the contract pretty quickly. All through the ordeal, Narendra sir was in constant in touch with me providing direction on next steps as well as giving the status of the claims and also with HCCMIS following up religiously on the claim payment status. I cannot thank him enough for all the help he has done over the last few months.

Coming to the claims approval process, here are some of the tips from my experience:
- Ensure that the policy is effective before the travel itself. Some people make it effective after their parents reach USA which is not a good idea.
- In the event of emergency, the last thing you will think of is calling up the insurance company and setting up pre-authorization. But, this is one important step that you cannot afford to miss. If its an emergency, HCCMIS will allow 48 hours to complete pre-authorization.
- Collect all the medical records from hospital and attending physicians
- Register in the insurance portal(in my case HCCMIS) and keep checking the status regularly
- Follow up with insurance provider, hospital and attending physicians if any of the claims are pending for long.
- In case any claims get denied do check with insurance provider on the reason for denial.
- And finally, keep Narendra sir/insubuy informed of the claims decision so that they can review and advise the next steps for you.

I will strongly advise purchasing any product through Insubuy. There are good products with them and Atlas America is one of the best products that you can choose.

I will end my note by extending my heartfelt thanks to Narendra sir and Insubuy.


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imm86     07/12/2014 13:41 PM

Narendra Khatri/Insubuy

I took Atlas America visitor insurance through insubuy. Mother-in-law had issues and we visited IN-Network doctor next to our house. They did lot of lab tests including biopsy etc . We started getting bills from HCC . And for several months we were struggling to make HCC understand the issue . I would have made 40 HCC customer service calls with no proper response.

Then we got in touch with INSUBUY [Narendra Khatri] .From very first call, he understood our issue and followed up with HCC . In a week' time, HCC paid all the biils . This is amazing work by Narendra Khatri .

I would recommend Atlas America through INSUBUY . We already started recommending to all our friends.

Again I am taking the same insurance for my In-laws this year.

Thank You Once Again

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ssha     07/04/2014 08:21 AM

Insubuy Team / Narendra Khatri -

I would like to thank you and write this review.

My mother is a regular visitor to the USA and I make sure that she is covered under one of the insurance plans to include acute onset of pre-existing conditions. Last year I opted for Atlas America.

She started with stomach pains few weeks after landing in US and the pains got severe. I worked with HCCMIS (Terrible Customer Care) to find the diagnostic centres etc for multiple scans that were prescribed. Finally after few months, she was diagnosed with Gall Bladder issues and GB removal was suggested. I booked a flight back to India and got her operated here (Cost of whole operation with star treatment, including flights, was less than one MRI cost in US).

From October 2013 to March 2014, I struggled with the customer care and the response of HCCMIS. I am assuming all companies are same and they rejected all the bills (Upwards of $22k). Finally i registered on insubuy forums to reach out to support team and got in touch with Narendra Khatri.

Narendra was extremely helpful and professional from Day 1 and and took the ownership of the issue. He worked with HCCMIS teams to make sure that the claims were considered and cleared. I believe these plans work, but you need a reliable service provider like insubuy who can help with claims and process. So I thank Narendra and insubuy for all the help. This is my first review ever on any website, but I am writing this as I believe Narendra and his team deserves some recognition.

Thanks Again !

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cancerian     07/01/2014 21:59 PM

Insurance companies lure students who are going overseas with cheap plans.But these plans don't really cover anything.Also you would have to pay hundreds/thousands of dollars upfront and later claim for reimbursement, which you never receive. I had a bad experience with Star Health Insurance.They have never paid me for any of the claims.Customer care is really bad.They have contracted someone else to do this and those folks don't have your policy info in their records. ALWAYS get insurance from your school or companies here.

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stela2014     06/01/2014 14:42 PM

Dear Insubuy team, I would like to put up a good word about your team and Atlas America insurance. Last year my mother visited us in the US for 2 months, and during her stay she had an extremely painful kidney stone episode. We took her to the ER, where she was stabilized with intravenous painkillers, and a CT scan was done where a kidney stone was discovered. She was lucky that kidney stone passed the next day and she did not need any invasive procedures. However, a ~5-hour stay in the ER, CT scan, and some basic blood and urine tests ended up costing about $10,000. Hospital contacted Atlas insurance directly, but we also had to send some manual claims and letter with explanation of the emergency. The bottom line was that Atlas America insurance covered their share of expenses, which we would like to acknowledge. The overall experience with the support of your team was excellent, and we will keep using your services and recommending them to others.
Thank you,

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amol24349     05/13/2014 00:04 AM

My ICICI Lombard Health Policy number is 4034i/CHI/71620424/00/000
I have this health policy since 2008 and renewing it after every 2 year for amount Rs. 8800 around, as per the rules. Now suddenly this people are asking me to renew this policy for Rs. 20000 & saying that they have added new features and your old policy is now no more. I asked them to continue with existing feature but they are saying that, old policy does not exists now & I have to pay 20K to renew this policy since my age is also got increased. Right now I don't want to pay premium more that double of what I was paying earlier. How can they change this product and charge me more than double ? Is it valid to change the premium when age is increased ? Right now I want to continue with this policy with same premium, since it is old one. Please help me on this.

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venkat95     05/08/2014 17:16 PM

Good afternoon. Today I bought a visitor care insurance from Insubuy through a customer service representative Mrs.Jagruti. Her service was great. She is the person with lot of patience and having a high clarity in answering customer's questions. I will refer my friends to Insubuy for their Insurance needs.

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saleemsa1     03/28/2014 14:41 PM

Self and wife are in USA to spend time with our children. We had taken an Insurance Policy from an Indian Insurance Company, ICICI Lombard. As per the policy and the Global Assistance Card issued by them, we were supposed to get coverage in USA from United Health Care (UHC), USA. Apart from the ICICI Policy No., they also assigned a UHC ID for both of us. As I had a small issue with my finger and wanted to visit a doctor, I called up United Health Care to validate my policy. Unfortunately to my surprise I understood that ICICI Lombard had not registered us with them, our details are not in their system and the UHC ID numbers assigned are fake. They identified the Insurance Company by the Group ID on the card and as per UHC and ICICI Lombard agent in USA we are supposed to pay from our pocket and claim for reimbursement . We are not sure whether reimbursement can be made while in USA or after we return to India? We are also not sure what hassles will be there for getting that money?! What we understand is that only when we make a claim, ICICI will register our details with UHC. This means we have to carry up to insured amount in foreign currency if we were to get admitted in a hospital!!! Friends, they have not only fooled us but all those who have already taken a policy from them and those who intend to.... Through this message, I’ll be happy if I can save money and time of many Indians who would have otherwise fallen a victim... (We wasted around USD 400 equivalent amount in Indian currency for covering both of us) I don’t know how other Insurance Companies in India operate as far as Travel Insurance is concerned? My humble advice to those who travel is never to take a medical policy from India but from the country where you travel. You’ll never have to pay a penny from your pocket and is much cheaper!

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mani_7     02/28/2014 15:38 PM


My in-laws are planning to visit US by May-2014 for 6 months. Please let me know that what is the best visitors insurance that I can take for them (their Age >67 and father in-law has health problem that he underwent by-pass surgery before 1.5 years and mother in-law doesn't have any health issue). Please suggest the visitor insurance which is good to claim in case of emergency

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rao1006     01/16/2014 00:19 AM

Please share if any one experienced Atlas America insurance for pre-existing claims? My father is 65 years old and has heart disease.

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