Visitor Health Insurance 101

Visitor Health Insurance for Senior People

If you are going to purchase Visitor Health Insurance for people in 65+ age group, you might have some serious concerns. For older people it's more common to get sick or to get an injury. Sometimes stress of travelling abroad and staying in new environment may put extra pressure on older people's health. Most visitor insurance companies will refuse a coverage for people in age group of 80+ because of all the risk.

India Network Services is pleased to offer you the following visitor insurance plans for senior visitors up to 99 years old:

1. CHUBB Comprehensive Visitor Health Insurance Program (80/20) NETWORK Plan

This is a FirstHealth PPO network based comprehensive plan with an option to take pre-existing coverage. Available with maximum coverage of $150,000 for ages 69 and under; and $75,000 for ages 70-99 with a deductible of $500 and Pre-Ex deductible of $1500.
The insurance reprices the bills and pays 80 percent of covered expenses and you pay only 20% after the deductible. Visitors with pre-existing conditions should select Pre-Existing option on application form when enrolling. 
Minimum purchase duration required: Three months (90 Days) with Pre-existing and one month for without Pre-existing Coverage. Renewal is available for any length of time after initial period. For more details click here

2. INF Premier Visitor Health Insurance Plan

This is a fixed benefit plan with coverage for new problems, accidents and pre-existing conditions with a variety of deductible options for new medical conditions and pre-existing medical conditions. This plan offers cost effective pre-existing coverage. 
Minimum purchase duration required: Three months (90 Days) and renewal available for any length of time after 90 days.
There are no network benefits under this plan and you can go to any provider you like and plan will pay fixed amounts. For more details click here 

3. INF Standard Visitor Insurance:

This is a fixed benefit covering new medical conditions, and accidents and no pre-ex coverage. It offers $50,000, $100,000 and $150,000 policy maximum with a choice of deductible of $75, $250 and $500(only for ages 70+) based on age groups. There are no network benefits under this plan and you can go to any provider you like and plan will pay fixed amounts. 
TIP: Recommended for visitors with no pre-existing issues, interested in coverage for accidents and new medical conditions with low insurance premium cost from an American Insurance Company. 
Minimum purchase required: One Month. More details click here

4. INF Choice with Pre-Existing Conditions Coverage*

This plan is available with $25,000, $50,00, $75,000, $100,000, $150,000 and $250,000 maximum coverage with $75, $250, $500, $1,000, $5,000 and $10,000 deductible options. This is a Fixed Benefits program with access to First Health PPO providers. INF Choice with Pre-Existing Coverage comes with Accidental Death Benefit, Medical Evacuation, and Repatriation benefits. Also includes access to a U.S. telemedicine physician network through Teladoc. 
Minimum Purchase required: One Month. More details click here
*Pre-existing limited to Acute Onset coverage.

There is something else you need to know about senior visitor insurance coverage. The majority of older people have pre-existing condition and if you don't buy them a special pre-existing condition coverage, insurance company won't cover your bills.

What is pre-existing coverage and Acute Onset definition?

If you meet any of these conditions you should get a plan with pre-existing conditions coverage:

  • If you are 50 years old and above.
  • If you take medication regularly.
  • If you have diabetes, high blood pressure, AIDs, cancer, etc.
  • If you had any kind of surgery prior to purchasing the insurance.
  • If you have any condition that will require regular doctor’s visit.

Know the insurance coverage and compare the benefits with your visitor’s needs before getting a plan. If your visitor has pre-existing conditions, you should look for the plans that will provide coverage for new and pre-existing conditions, emergency care, ambulance, inpatient, and outpatient benefits.
Most insurance companies don't offer pre-existing coverage, but do offer acute onset coverage. There are a lot of exceptions that may apply when it comes to acute onset. For the most insurance companies, insured must seek medical attention within 12 or 24 hour window after initial symptoms manifestation in order to be considered acute onset.

The best Plans are offered by India Network Services:

India Network Health Insurance offers INF Elite Comprehensive plan and INF Premier Plan for people with pre-existing conditions that will help with different life threatening episodes caused by pre-existing conditions. These plans do not have acute onset definition; hence, they provide great coverage with fewer restrictions. These plans are recommended for older people (50 years and up), and for people with pre-existing conditions. Pre-existing condition coverage comes with a separate deductible.
This Plan is #1 in the country that uses this definition.
Under our program if you end up in ER with pre-existing problems, you will be covered no matter how long you waited to get medical help. No other plans cover this!

Please visit this page to buy & compare Visitor Health Insurance Plans offered by India Network Services.