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ACE Network
80/20 Plan
ACE Premier
(Fixed Benefits)
ACE Standard
(Fixed Benefits)
AXIS Plan
(Fixed Benefits)
IMG VisitorCare
(Fixed Benefits)

         "EasySelect"...the friendly Guide for choosing the visitor health insurance.
EasySelect from India Network Health Insurance, USA
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EasySelect Quote is designed to provide you a quick overview of available plans and their premiums for 30 days. ACE Network and Premier plans require you to purchase the plan for a minimum duration of 90 days irrespective of visitor's lenth of stay in the United States. This is non-negotiable. Axis Insurance offers very limited Pre-existing Coverage of $1000 for acute onset of pre-existing conditions and one can purchase this plan for a minimum duration of 30 days. Please note Network Benefits are far more valuable as they use negotiated prices for various services.
Have additional questions? Use our Live Chat, Call Us or Contact Us via e-mail.

PREMIUMS & BENEFITS BY AGE GROUP WITH PRE EXISTING CONDITIONS
AGE 80+ WITH PRE-EXISTING CONDITIONS

If you are age 80 plus with pre-existing conditions, India Network recommend the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover pre-ex conditions. Require 3 Months Minimum
2. ACE Premier Plan - 2nd best available plan for pre-ex conditions coverage with limited benefits at low premium. Require 3 Months Minimum.
ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
3. AXIS plan - it is recommended for someone visiting less than 3 months with no medical issues. Pre-existing coverage is limited to $1,000 and very restrictive definition (uses acute onset). It comes First Health Network and TelaDoc program (24x7 access to a Physician).
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage for 80 plus is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

India Network ACE Comprehensive Visitor Health Insurance Plan India Network ACE Premier Visitor Health Insurance Plan with Pre-existing conditions Axis Visitor Health Insurance Plan
Click to go direct to Online Enrollment

AGE 70-79 WITH PRE-EXISTING CONDITIONS

If you are age 70-79 age group with pre-existing conditions, India Network recommend the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover pre-ex conditions. Require 3 Months Minimum
2. ACE Premier Plan - 2nd best available plan for pre-ex conditions coverage with limited benefits at low premium. Require 3 Months Minimum.
ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
3. AXIS plan - it is recommended for someone visiting less than 3 months with no medical issues. Pre-existing coverage is limited to $1,000 and very restrictive definition (uses acute onset). It comes First Health Network and TelaDoc program (24x7 access to a Physician).
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Plan ACE Premier Plan Axis Visitor Health Insurance Plan

Click to go direct to Online Enrollment

AGE 60-69 WITH PRE-EXISTING CONDITIONS

If you are age 60-69 years with pre-existing conditions, India Network recommend the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover pre-ex conditions. Require 3 Months Minimum
2. ACE Premier Plan - 2nd best available plan for pre-ex conditions coverage with limited benefits at low premium. Require 3 Months Minimum.
ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
3. AXIS plan - it is recommended for someone visiting less than 3 months with no medical issues. Pre-existing coverage is limited to $1,000 and very restrictive definition (uses acute onset). It comes First Health Network and TelaDoc program (24x7 access to a Physician).
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Plan ACE Premier Visitor Health Insurance Plan ACE Premier Plan Axis Visitor Health Insurance Plan

Click to go direct to Online Enrollment

AGE 50-59 WITH PRE-EXISTING CONDITIONS

If you are age 50-59 years old with pre-existing conditions, India Network recommend the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover pre-ex conditions. Require 3 Months Minimum
2. ACE Premier Plan - 2nd best available plan for pre-ex conditions coverage with limited benefits at low premium. Require 3 Months Minimum.
ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
3. AXIS plan - it is recommended for someone visiting less than 3 months with no medical issues. Pre-existing coverage is limited to $1,000 and very restrictive definition (uses acute onset). It comes First Health Network and TelaDoc program (24x7 access to a Physician).
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Plan ACE Premier Plan ACE Premier Plan AXIS Visitor Health Insurance Plan

Click to go direct to Online Enrollment

AGE 40-49 WITH PRE-EXISTING CONDITIONS

If you are age 40-49 years old with pre-existing conditions, India Network recommend the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover pre-ex conditions. Require 3 Months Minimum
2. ACE Premier Plan - 2nd best available plan for pre-ex conditions coverage with limited benefits at low premium. Require 3 Months Minimum.
ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
3. AXIS plan - it is recommended for someone visiting less than 3 months with no medical issues. Pre-existing coverage is limited to $1,000 and very restrictive definition (uses acute onset). It comes First Health Network and TelaDoc program (24x7 access to a Physician).
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network plan ACE Premier Plan ACE Premier Plan Axis Insurance Plan for Visitors

Click to go direct to Online Enrollment

AGE 30-39 WITH PRE-EXISTING CONDITIONS

If you are age 30-39 years old with pre-existing conditions, India Network recommend the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover pre-ex conditions. Require 3 Months Minimum
2. ACE Premier Plan - 2nd best available plan for pre-ex conditions coverage with limited benefits at low premium. Require 3 Months Minimum.
ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
3. AXIS plan - it is recommended for someone visiting less than 3 months with no medical issues. Pre-existing coverage is limited to $1,000 and very restrictive definition (uses acute onset). It comes First Health Network and TelaDoc program (24x7 access to a Physician).
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Visitor Health Insurance Plan Premier Plan Premier Plan Axis Plan

Click to go direct to Online Enrollment

AGE 18-29 WITH PRE-EXISTING CONDITIONS

If you are age 18-29 years old with pre-existing conditions, India Network recommend the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover pre-ex conditions. Require 3 Months Minimum
2. ACE Premier Plan - 2nd best available plan for pre-ex conditions coverage with limited benefits at low premium. Require 3 Months Minimum.
ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
3. AXIS plan - it is recommended for someone visiting less than 3 months with no medical issues. Pre-existing coverage is limited to $1,000 and very restrictive definition (uses acute onset). It comes First Health Network and TelaDoc program (24x7 access to a Physician).
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Plan ACE Premier Plan ACE Premier Plan Axis Visitor Health Insurance Plan

Click to go direct to Online Enrollment

AGE 17 & UNDER WITH PRE-EXISTING CONDITIONS

If you are age 17 and under with pre-existing conditions, the most popular choice is the $150,000 ACE Network Plan with the $1,500 Pre Existing Deductible. Pre existing medical coverage is $25,000.

Members with good health can opt for ACE Network Plan for new problems and accidents in the next section or enroll in AXIS plan.
.

ACE Network Plan ACE Premier Plan ACE Premier Plan Axis Visitor Health Insurance

Click to go direct to Online Enrollment

PREMIUMS & BENEFITS BY AGE GROUP WITHOUT PRE EXISTING CONDTIONS
AGE 80+ WITHOUT PRE-EXISTING CONDITONS

If you are age 80-99 years old with great health and do not expect any major medical issues, India Network suggest the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover new problems and accidents. Require 1 Month Minimum
2. AXIS Fixed Benefit plan - it is recommended for visitors with no medical issues. It comes First Health Network and TelaDoc program (24x7 access to a Physician).
3. ACE Standard Plan - Provides limited benefits for new problems and accidents. Require 1 Months Minimum.
4. IMG VisitorCare plan - this plan provides 25K coverage at a very low premium and restricted fixed benefit module. If you are shopping by price, this would best fit your needs.
Fixed benefit plans such as ACE Standard plan, Axis plan cost less as they pay a set amount which may not be enough to cover your medical expense.
ACE Standard Plan Axis Plan IMG Plan


Click to go direct to Online Enrollment

AGE 70-79 WITHOUT PRE-EXISTING CONDITIONS

If you are age 70-79 years old with great health and do not expect any major medical issues, India Network suggest the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover new problems and accidents. Require 1 Month Minimum
2. AXIS Fixed Benefit plan - it is recommended for visitors with no medical issues. It comes First Health Network and TelaDoc program (24x7 access to a Physician).
3. ACE Standard Plan - Provides limited benefits for new problems and accidents. Require 1 Months Minimum.
4. IMG VisitorCare plan - this plan provides 25K coverage at a very low premium with very restricted fixed benefits. If you are shopping by price, this would best fit your needs.
Fixed benefit plans such as Standard plan and Axis plan cost less as they pay a set amount which may not be enough to cover your medical expense.

ACE Network Plan ACE Standard Plan Axis Plan IMG Plan

Click to go direct to Online Enrollment

AGE 60-69 WITHOUT PRE-EXISTING CONDITIONS

If you are age 60-69 years old with great health and do not expect any major medical issues, India Network suggest the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover new problems and accidents. Require 1 Month Minimum
2. AXIS Fixed Benefit plan - it is recommended for visitors with no medical issues. It comes First Health Network and TelaDoc program (24x7 access to a Physician).
3. ACE Standard Plan - Provides limited benefits for new problems and accidents. Require 1 Months Minimum.
4. IMG VisitorCare plan - this plan provides 25K coverage at a very low premium and restricted fixed benefit module. If you are shopping by price, this would best fit your needs.
Fixed benefit plans such as ACE Standard plan, Axis plan cost less as they pay a set amount which may not be enough to cover your medical expense.

ACE Network Plan ACE Standard Plan Axis Plan IMG

Click to go direct to Online Enrollment

AGE 50-59 WITHOUT PRE-EXISTING CONDITIONS

If you are age 50-59 years old with great health and do not expect any major medical issues, India Network suggest the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover new problems and accidents. Require 1 Month Minimum
2. AXIS Fixed Benefit plan - it is recommended for visitors with no medical issues. It comes First Health Network and TelaDoc program (24x7 access to a Physician).
3. ACE Standard Plan - Provides limited benefits for new problems and accidents. Require 1 Months Minimum.
4. IMG VisitorCare plan - this plan provides 25K coverage at a very low premium and restricted fixed benefit module. If you are shopping by price, this would best fit your needs.
Fixed benefit plans such as ACE Standard plan, Axis plan cost less as they pay a set amount which may not be enough to cover your medical expense.

ACE Network Plan ACE Standard Plan Axis Plan IMG

Click to go direct to Online Enrollment

AGE 40-49 WITHOUT PRE-EXISTING CONDITIONS

If you are age 40-49 years old with great health and do not expect any major medical issues, India Network suggest the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover new problems and accidents. Require 1 Month Minimum
2. AXIS Fixed Benefit plan - it is recommended for visitors with no medical issues. It comes First Health Network and TelaDoc program (24x7 access to a Physician).
3. ACE Standard Plan - Provides limited benefits for new problems and accidents. Require 1 Months Minimum.
4. IMG VisitorCare plan - this plan provides 25K coverage at a very low premium and restricted fixed benefit module. If you are shopping by price, this would best fit your needs.
Fixed benefit plans such as ACE Standard plan, Axis plan cost less as they pay a set amount which may not be enough to cover your medical expense.

ACE Network Plan ACE Standard Plan Axis Fixed Plan IMG
Click to go direct to Online Enrollment

AGE 30-39 WITHOUT PRE-EXISTING CONDITIONS

If you are age 30-39 years old with great health and do not expect any major medical issues, India Network suggest the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover new problems and accidents. Require 1 Month Minimum
2. AXIS Fixed Benefit plan - it is recommended for visitors with no medical issues. It comes First Health Network and TelaDoc program (24x7 access to a Physician).
3. ACE Standard Plan - Provides limited benefits for new problems and accidents. Require 1 Months Minimum.
4. IMG VisitorCare plan - this plan provides 25K coverage at a very low premium and restricted fixed benefit module. If you are shopping by price, this would best fit your needs.
Fixed benefit plans such as ACE Standard plan, Axis plan cost less as they pay a set amount which may not be enough to cover your medical expense.

ACE Network Plan ACE Standard Plan Axis Plan IMG

Click to go direct to Online Enrollment

AGE 18-29 WITHOUT PRE-EXISTING CONDITIONS

If you are age 18-29 years old with great health and do not expect any major medical issues, India Network suggest the following plans:
1. ACE Network Comprehensive PPO Plan -The best plan in the USA to cover new problems and accidents. Require 1 Month Minimum
2. AXIS Fixed Benefit plan - it is recommended for visitors with no medical issues. It comes First Health Network and TelaDoc program (24x7 access to a Physician).
3. ACE Standard Plan - Provides limited benefits for new problems and accidents. Require 1 Months Minimum.
4. IMG VisitorCare plan - this plan provides 25K coverage at a very low premium and restricted fixed benefit module. If you are shopping by price, this would best fit your needs.
Fixed benefit plans such as ACE Standard plan, Axis plan cost less as they pay a set amount which may not be enough to cover your medical expense.

ACE Network ACE Standard Axis Plan IMG

Click to go direct to Online Enrollment

AGE 17 and UNDER WITHOUT PRE-EXISTING CONDITIONS

If you are age 17 and under and do not have pre-existing conditions, the most popular choice is the ACE Network comprehensive Plan. This plan covers 80 percent of covered expenses upto policy maximum after $250 deductible. Axis plan is preferable among fixed benefit plans as it comes with few additional coverage that are not available in other plans.

ACE Network Plan ACE Standad Plan Axis Plan IMG

Click to go direct to Online Enrollment

COMMONLY ASKED QUESTIONS
IS HEALTH INSURANCE COVERED BEFORE AND AFTER VISITING THE USA OR CANADA?

India Network Health Insurance offers coverage in the United States, Candada or Mexico and during the travel period. We recommend selecting a start date ONE day prior to arriving in the USA and ONE day after leaving the USA so that your family member has medical insurance from airport departure through airport return.

MY FAMILY MEMBERS ARE IN DIFFERENT AGE GROUPS. HOW SHOULD THEY BE ENROLLED?

Enrolling in the same policy will save time and a $5 processing fee for the second visitor. Separate applications are not required if both parents are below 70 years old. However, if one is above 70 years and one below, you are required to apply separately.

I NEED LESS DAYS THAN THE MINIMAL ENROLLMENT PERIOD. WHAT DO I DO?

Visitors must enroll for the required initial time period when first enrolling. All policies electing pre existing conditions require 90 day minimum initial enrollment except Axis Insurance Plan and Platinum Plan with limited conditional Pre-existing Condition coverage. If pre existing conditions are not elected, the ACE Network Plan or Axis Plan or a Standard Plan requires just one month enrollment.

CAN I CANCEL AFTER INSURANCE STARTS OR CAN I MAKE PAYMENTS?

Policies can not be cancelled once the effective date occurs. If you are concerned that your family member may return prior to the planned return date, when enrolling the first time, consider selecting only the minimum period required to enroll such as 90 days with pre-ex conditions. India Network will e-mail the member a notification prior to insurance termination date. Insurance renewals take only a few minutes and can be completed from the Online Enrollment menu.

Although you can not schedule recurring monthly payments, once the initial minimal enrollment time period is met, you can go to online enrollment, select the appropriate plan, then check RENEW INSURANCE ENROLLMENT to extend the visitors medical insurance. Insurance renewals take only a few minutes and can be completed from the Online Enrollment menu.

HOW DO I CALCULATE MY INSURANCE PAYMENT?

Monthly rates are provided in the EasySelect and Programs section of the website. A monthly rates is always based on 30 days. As an example, if a visitor is traveling 3 and half months, the rate is the daily rate multiplied times 105 days (30 days in a month and 15 days in half a month)

CAN I CHOOSE ANY DOCTOR OR DO I USE A PROVIDER NETWORK?

The The Standard Plan can be used anywhere in the USA, Canada or Mexico with any provider.

The The ACE Network Comprehensive Plan has 80/20 coinsurance when using FirstHealth providers and a 60/40 coinsurance when using out-of-network providers.

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