Planning a vacation or visiting grandchildren in the United States is always exciting. However whether you are going to see family and friends, starting a new job, going to school, or on a trip, having a good Visitor Health Insurance is the most important thing you can do for yourself and your loved ones.
Some people may argue that they are healthy or their medical conditions are under control, but the reality is, anything can happen. While having fun, you could get into accidents or catch cold by simply sitting next to a sick person. Diabetes and high blood pressure are universal problems that most elderly visitors from India and other countries are facing, and they are all pre-existing conditions that could lead to other health complications.
Most people get frustrated about the price they have to pay for Visitor Health Insurance. The reality is, all insurance companies use the same risk analysis to determine their premiums and have to make money for their share holders while helping people along the way. It is important to realize that the premium is directly proportional to the coverage you get. A restrictive definition with exclusions may reduce the risk probability to enable someone offer lower premium. Policy maximum, deductible, etc., look similar but the definitions and exclusions would be drastically different.
Price: it is important to select a plan that will both be affordable and provide coverage when needed the most. Reliable plans tend to be more expensive because they provide most coverage and pay most of the claims. Cheap plans pay for very few claims due to a number of exclusions.
Coverage and Benefits: 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.
Exclusions and limitations: before getting a plan, find out about different exclusions so that you know what will and won't be covered instead of submitting a claim blindly. Remember that less exclusion equals to good plan.
Insurance descriptions and terminologies: knowing what an acute onset means can take you a long way. Most plans that have pre-existing coverage have acute onset definition that people overlook. If you purchase an acute onset plan, you will have to make sure that you seek medical attention on time to qualify for coverage. Insurance company will hope that you don’t go to the hospital on time so that they won’t pay the claim. It is wise to simply avoid plans with acute onset definition to be on the safe side.
Fixed benefit vs. Comprehensive benefits: fixed benefit plans will have a fixed amount that the insurance company is willing to pay for different health services. Comprehensive plan will pay a percentage regardless of a procedure and normally have network of health providers which provide discount on different health care services. These plans are normally cheaper than the comprehensive plans. These plans are great for healthy people who just want to have insurance for emergencies than people who seek medical attention regularly.
Coverage per sickness or injury vs. per period of coverage: this is something that most people overlook when it comes to health insurance. There are some plans that offer high maximum benefits for the entire per period of coverage while others offer maximum benefits per each sickness or accident.
Apart from health insurance prices, there are a lot of other factors that needs to be considered. Before purchasing a plan, it is important to read and understand insurance policies.
India Network offers plans that use policy holder friendly definitions and only a few exclusions. The features are:
a) Pre-existing conditions are covered in the same way as new problems and accidents (No other plan in USA use this broad definition) for CHUBB plans with pre-existing coverage option.
b) Urinary Track Infections are not excluded from a coverage (Many plans put this in exclusion list as it is a common problem among elderly people).
c) Use US standard in claim processing (6 weeks to settle a claim) and they are underwritten by American Insurance Companies.
d) CHUBB plans with pre-existing coverage option are not Acute onset and you can get medical attention whanever it's more convenient for you.
Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services.