Visitors Insurance Reviews

Dear Mr. Singh,

I believe that there is some amount of misunderstanding about the plan you have purchased and I would like to take this opportunity to clarify it.

Inbound USA is a fixed coverage plan that provides limited coverage and is a very low cost plan, compared to the comprehensive coverage plans that provide better coverage and cost more money.

In fixed coverage plans, there is no concept of PPO network. You can visit any provider of your choose. It is up to the provider whether to bill directly or not. I have never heard that any hospital refused to bill directly. However, for Dr visits, it is up to the doctor whether they are willing to bill directly or not. As the amount of coverage is quite less compared to the actual charges, some doctors are unwilling to bill directly due to low coverage and more work for them.

Therefore, you may have to pay out of your pocket sometimes for the Dr visits and file for reimbursement of eligible expenses.

That is exactly why we always recommend everyone to purchase only the comprehensive coverage plans that provider proper coverage. Because of the higher cost compared to fixed coverage plans, some people avoid it and still think that everything would be the same but that can not be the case.

We have written in great detail about this matter at http://www.insubuy.com/fixed-coverage-visitors-insurance-ppo-network/ and you had access to that information before you decided to purchase lower cost plan.

I hope this clarifies.

If you have any further questions about this, please feel free to contact me at any time.

I purchased Inbound USA for my wife and son for a period of 8 months and came to Boulder, Colorado. During 8 months, my wife had the need of going to Doctor three times and son one time. And wherever we went with the Inbound USA card, they refused to recognize it and lastly we managed the problems by buying the Over the Counter medicine by our own pocket after getting consultation from our Indian doctor.
I don't know why I purchased this insurance and what was the benefit of it if no hospital/clinic/doctor accepts it. Unfortunately, this insurance doesn't have any network of doctors or hospital so that you could get the idea where should you go to get the treatment

Hi,

Doesn’t it feel very nice that you have 5 lakh dollars policy? Doesn’t it feel even better when you convert that into Rupees (which is meaningless) that you have 2.5 Crore Rupees policy?

I suggest that you open your policy wording (not brochure) and look at Page 3. (Did they even give you that?) Look for the section called ‘Special Conditions’ on the left side towards the top. You will see that for older people above 55 years, there are severe limitations and sub limits that are highly insufficient compared to the enormous charges in America. Therefore, how does it matter whether you have 5 lakh dollars or 50 million dollars policy because you still have those tiny sub limits. Did you know about this? Did the insurance company or the insurance agent explain you about this? Me neither. No one told me earlier. May be agents don’t know about it themselves.

Asking the customer to guarantee that he will not use the insurance before renewing his policy is totally unacceptable. Can anyone tell what is the use of renewing such policy? Did you even ask them what would the renewed policy be for?

Hai,

First of all strictly don’t purchase the travel insurance from this company (my suggestion).
When I started from New Delhi India, I took the travel insurance from ICICI Lombard for 5,00,000 (five lakh dollars) with 100 $ deductible and one day I was ill and went to hospital and there the doctors performed my tests and suggested the treatment for it and now they are not paying for those bills and hospital is sending me those bills again and again which is a big problem and secondly I called them to renew my policy (which as per ICICI Lombard is always possible to renew) they quoted the price, took the money, and after few days they said that they cannot renew the policy because I had seen the doctor and they had claimed the money for my tests and everything from ICICI Lombard
.
This is really a b'sht as they cheated me as I am here with a travel insurance from them and at USA I cannot get the new travel insurance as the new company will not cover my problem which has been diagnosed once, as they never cover pre existing disease and now I don’t know what should I do without the health insurance.

But before purchasing travel insurance from ICICI Lombard they never told me that they never extend the policies if some body goes to see the doctor and the medical people claims the money for the treatment from ICICI Lombard and secondly they took the money from me for the extension of my policy and after taking the money they refused to extend the policy (my money is still with ICICI Lombard) and if these companies don’t have the guts to pay the bills of the medical problems of their customers why they do such a big policies for 5 lac dollars equals to 2.5 crores of Indian rupees. But it is really bad as they know that their customer is in medical problem and he will again see the doctor and the doctor will again claim the money from them so they feel better not to give extension to those customers who can seek medical treatment.

The rep's of insurance company also told me to give them in written that I will not see the doctors again and then they will renew my insurance.

DesiDude,

I think you have some misunderstandings due to many rumors spread around.

ICICI Lombard Travel Insurance is not insured by United Healthcare in the US. United does not pay or process any claims on behalf of ICICI. ICICI only uses their software for some communications, and that's it. Nothing more. You can't tell the doctor or the hospital that you have United Healthcare insurance, because you don't have.

Therefore, you can't complain against United Healthcare for ICICI insurance.

ICICI Lombard is completely an Indian company and you will have to deal with any problems only in India. No one in the US can help you about it.

How do I know this? I have personally been through this problem and tried to make complaints here in the US but no one would take my complaint. I have tried with Department of Insurance, Better Business Bureau and have even attempted a lawsuit as my bill was around $140,000. I hear the same answer everywhere: You are going after wrong company, lack of jurisdiction.

Therefore, if you want the peace of mind that you would get from purchasing from the US company, then buy from the US company. Don't depend upon some vague connection and rumours about connection with US company by an Indian company as it is misleading.

Buyer beware ... you are buying overseas health insurance from a desi company, when you buy ICICI Lombard Travel Insurance!! C'mon. You might want to buy a bridge from me that I want to sell. The difference between American/European companies and Desi outfits is that the Desi company will try to cheat you out of every dime - the other companies limit the amounts they cheat out of you. The only way you are gonna get paid is if you know some Neta who will *for a fee* call their boss and threaten political intervention. You are better off buying a policy when you are stateside. BTW - if you are in the USA and you can get your rep on the record saying that your policy issuance is contingent on your not seeking medical help again - THEN you can use that as evidence to go after United Healthcare - which is a regulated insurance provider in the US. You complain in writing to the state insurance commissioner about you being duped by a US insurer (ICICI is a POS desi company - so too bad you can't go after them) ... and then you may see some traction on your case.

I received the following response from HCCMIS:

"Our office requested records from Florida Hospital Med Center on January 3rd and on February 8th we received a request from the hospital for payment of the records. We will remit payment for the records this week; upon receipt of the records we will review for pre-ex and if the claim is deemed eligible, we will process the claim."

Therefore, I recommend that you follow up with the hospital next week to make sure that they send all the records.

I hope this clarifies your questions. If you have any other questions, please feel free to contact us at (866) INSU-BUY at any time.

Jeo,

I would like to clarify one thing.

We, Insubuy, are insurance brokerage company and we work for you. We do NOT work for any particular insurance company. And we are NOT the insurance company.

The claims are processed by a particular insurance company or their claims administration department, to be more precise. Claims are NOT processed by Insubuy.

I have received your email and I will follow up with the claims department of HCCMIS and update you accordingly.

Meanwhile, if you have any questions, please feel free to contact us at any time.

i have just submitted my father's policy number via your contact us page. I really hope you can get this sorted out and I promise that if you do, not only will we use your company in the future but we will refer our friends and family to you too. we are just looking for clear answers and someone within your company to take some responsibility.

JEO,

I am sorry to hear that you are having problems with your claim.

I could not find you in our system by the email address. (I can only look up the policies that were purchased through Insubuy.)

Therefore, please contact us and provide your certificate number etc so that we can help you deal with the insurance company.