Visitors Insurance Reviews : Page 9

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Visitors Insurance Reviews

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1. Based on the medical records from the treatment taken here in the U.S. and attending physician statement, the claims department of the insurance company determines whether something is a pre-existing condition or not.

2. Please look at #1. Determination is an after-fact based on all the medical records submitted. Therefore, based on something initial like that, it may not be possible to tell whether something is covered or not, whether it is an acute onset of pre-existing condition or not. It can only be told for sure when the claim is processed, that is in most cases after the treatment.

3. I don't suggest that. When you buy two insurance plans, it does not work like the way you think. Both plans are effective at the same time, considered secondary to any other plan you have and therefore, both companies would have to do coordination of benefits and would only pay a portion of the bills. And when two companies are in two different countries, you are looking at much bigger headache than you can imagine.

It is always better to buy the insurance from the U.S. based companies only. Please read http://www.insubuy.com/guide/visitors-insurance-usa-india-comparison.jsp to understand the difference between buying from the U.S. vs India. Most of the plans in India are only fixed coverage plans for persons above the age of 55 years. Read http://www.insubuy.com/visitors-insurance/ to understand the difference between fixed coverage and comprehensive coverage. Also, read people's experiences in this section and on this discussion forum before deciding to buy from India.

In your case, you can balance the cost vs benefit by choosing a deductible of $250, $500 or $1,000. $100 deductible is too low and $2,500 is too high and you are considering only the extremes.

I suggest that you buy one insurance from here in the U.S. such as Atlas America and only one.

I hope that answers your questions.

Plano TX USA - November 23, 2009 at 06:57:08 PM

Thanks for your prompt response.

Who would determine if a case is acute onset, or pre-existing etc? Is it the attending physician or would it be Atlas America?

If someone gets hospitalized for something and we have the initial report from the physician, can we get an answer instantly from Atlas America if it will be covered or not so that we know how to proceed?

I am considering to take Atlas America ($100k, $2500 deductible) and ICICI lombard ($50K). This way I can submit any minor bills to ICICI and if I hit a major one, I can use Atlas America Services. Is this an acceptible and legal practice? (This works out much cheaper than going with Atlas America $100 deductbile)

Thanks

- November 23, 2009 at 06:42:24 PM

Hello,

Before I answer your questions, lets summarize the coverage in Atlas America. After you pay the deductible, Atlas America insurance pays 80% for first $5,000 (you pay 20%) and then it pays 100% up to the policy maximum. However, if you used the providers in the PPO network and they billed directly, your coinsurance of 20% would be waived. In other words, it would be covered 100% up to the policy maximum after the deductible, in that case.

Atlas America also covers up to $15,000 in acute onset of pre-existing conditions for persons below the age of 70 years.

Now, to your questions:
1. Yes, subject to the deductible and the coinsurance as described above.
2. Yes, subject to the deductible and the coinsurance as described above.
3. No. Network negotiated fees are only applicable in case of eligible and covered expenses. Therefore, in this case, you would be responsbile for entire $40k yourself.

I hope that answers your questions.

If you have any further questions, please feel free to contact us at any time at (866) INSU-BUY

Plano TX USA - November 23, 2009 at 05:54:43 PM

Narendra:

Planning to buy a visitor insurance for my father.
I can take care of minor expenses upto $1000 out of pocket. Would like to cover myself for major expenses though - pre-existing (upto limits that insurance supports) or none pre-existing. So narrowed down to Atlas America - policy max of $100K - deductible of $1000.

Lets take a case where he unexpectedly gets hospitalized (in-network) and incurs say $40,000 bill of which PPO negotitated rate is $32000.
If it is a pre-existing illness and it is an acute onset, Atlas would cover $15k and I would pay (or negotiate with the hospital) for the remaining $17k, correct?
If it is not pre-existing, Atlas would pay the entire $32k correct?
If it is pre-existing and no acute, then I would be responsible for $32k?

Thanks

NJ USA - November 23, 2009 at 05:43:55 PM

Hi,
I had taken oversees travel insurance plan for my parents till Sep 2009. During their visit my father had consulted a doctor for some minor injury here in US and paid $250 as office visit. As per thr policy my office visit deductible was $100 but when I applied for reimbursement of $150 upon their landing in India with all proof, they are not ready to give me back my money with all sort of non-sence reasons. So I never recommend anybody to take ICICI lombard in future.

Thanks,
Mukesh Agrawal

GERMANTOWN MD USA - November 06, 2009 at 11:34:23 AM

I took a travel insurance policy number FE861869 on 4th Sept 2009 for my trip to Canada which was for 13 days from 14 Sept 2009 to 26 Sept 2009.
This was taken through Birla Insurance Advisory & Broking Services Lts, New Delhi

Due to unavoidable circumstances my journey was cancelled and the same was informed to the agency.
Thereafter I was told to send the copies of my passport. I sent copies of the first two and last two pages of my passport as well as the one on which the Canada Visa had been stamped.

I have not yet received the refund and am now being told to submit copies of all the pages of my passport including the blank ones.

This is highly objectionable as it breaches my privacy. The said policy has no relevance with my other travels nor with the blank pages. I have been travelling frequently and taking policies from various companies. This is the first time that such a thing is being asked for.

It is not expected from a company of Tata's stature to resort to such tricks to delay refund.

Delhi India - November 05, 2009 at 07:33:20 PM

There are primarily two types of visitors insurance plans.

Fixed: Cheaper, limited coverage
Comprehensive: Better, more expensive
Details at http://www.insubuy.com/visitors-insurance/

I suggest that you visit our web site at http://www.insubuy.com and enter your criteria. You will see various plans from different companies. You can compare them side by side and decide the best one for your needs.

Deductible: The amount you will have to pay (even for Dr Visit) before the insurance plan pays anything at all.

If you have any other specific questions, please post them here or contact us at any time at (866) INSU-BUY.

Plano TX 75093 - October 29, 2009 at 04:59:50 PM

Hi Narendra,

My parents are visiting to US in few days for about 6 months. I live in Boston, what kind of insurance I should take for them. What is the meaning of deductions here. I have no clue, please guide me.

thanks.

Boston MA USA - October 29, 2009 at 04:57:05 PM

Dear Mr. Sawardekar,

You can either buy the insurance online at http://www.insubuy.com or you can call us toll-free at (866) INSU-BUY.

Plano TX USA - October 20, 2009 at 09:41:59 AM

How do I go about buying medical insurance from you ? Any help ?

St Louis MO USA - October 20, 2009 at 08:55:36 AM

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