Hundreds of thousands of our customers are in the same situation as yours and no one had any problem so far.

In most cases, you don't need to get any reimbursement because insurance company directly pays the provider.

In cases where it is not possible, you can write in the claim form to make it payable to you, instead of your parents or other relatives.

I hope that clarifies.

Hi,

I would like to know in case of any Claims when reimbursment cheks are issued, these reimbursment checks will be issued on the name of Insured person in Dollars but I think we need NRE or US Bank Account for the checks to be deposited in to and if parents are on travel Visa I am not sure how they can open any NRE or US Bank account as from my understanding Dollar Checks can't be deposited in banks back in India.

Does anyone know how to get around this problem if at all this is the problem or I am missing anything here ?

You should take $100,000

Narendra, I got the wrong date, she is only 64 years of age as she was 1944 september born. So now I would be able to take Patriot america compreshensive plan I guess. Any suggesion on should it be 50k or 100k max.

Sri,

From your question, I believe that your mother-in-law is 65 years of age or above. In that case, she is not eligible for certain plans if she is without insurance for 30 days or more.

Therefore, you can't buy any of the plans that display such message. You can buy other ones.

For example, in comprehensive category, you can buy Atlas America, available at
http://www.insubuy.com/visitor-insurance/

If you have any other questions, please feel free to contact us at any time.

Narendra,My MIL arrived to US on 03/28/09.
I did not get her any issurance when she came in here. I would like to get the insurance now, I tried to get the comprehensive insurance but I think few companies said "I need to have a prior internaational insurance" so not sure what it means . Suggest what is the best I can go for now. My MIL is in good health

I travelled to USA in September 2006 and had my travel insurance from Cholamandalam but wasn't aware that this was the worst travel insurance one can have! The policy which I had covered all the

 usual things such as lost baggage, delay in baggage, lost passport, medical reimbursement, cancel trip and delay in flight. On my way back to India, I had a flight from Chicago to India that was delayed by 24 hrs.

When I came back to India, I claimed for my 'Trip Delay' from Cholamandalam. And this is when my worst nightmare started. First of all, they asked me to provide them with a proof that the flight was delayed. I provided them with all the communication that I had from my airlines in which they clearly stated that the flight was delayed by 24 hrs. As if this was not enough for Cholamandalam, they asked me to provide them with a letter from airlines stating the delay. Why the heck shall I provide them with the letter when I have already given them the ample proof from the airlines that the flight was delayed??. When the airlines provided them the letter they asked me to get a letter from airlines stating the "Reason for Delay". Now this is something which is least expected. I mean I am travelling and my flight was delayed, which my airlines has clearly said, Why should I be bothered about the reason for delay and if insurance company need it so desperately why shouldn't they ask the airlines about the reason?? All said and done, the airlines also satisfied them with the reason.

Something bigger and unexpected waited for me, now Cholamandalam asked me to produce the bills for the expenses made during the period of delay. Come on guys, I am not asking for reimbursement; I am asking for the claim of 'Trip Delay'! Why the hell do you need the bills ?? My flight was delayed, which has been stated by my airlines, now just give me my claim. I took a taxi from airport to hotel, the taxi driver didn't gave me any bill and I didn't bothered for it too because I never thought that I would be asked for the taxi bill for the 'Trip Delay' claim...strange ??!? Isn't it..!??!?

Finally they closed my claim case saying that they cant give the 'Trip Delay' claim until and unless I provide them with the bills.

PLEASE DON'T get your travel insurance from CHOLAMANDALAM.

Srik,

That exact process for Patriot America is described at
http://www.insubuy.com/img-first-health-ppo-network/

Also, I had answered this exact same question earlier on April 14, 2009, just below.

I hope that helps.

If you have any other questions, please feel free to contact us at any time.

My parents will be arriving in US on the 7th of May. After detailed review of various plans and reading experiences, I am leaning towards Patriot America $100,000 limit. comprehensive coverage. Narendra - Your replies have been very helpful. I hope you can assist me here.

Also, how does the claim process work? We go to the doctor / hospital ( we hope not) and then..Sorry for the dumb question but it would be nice if you could detail me on step by step procedure for a proper claim.

If you are already pregnant, there is no insurance plan from any company that you can buy to cover the pregnancy/delivery.