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Brige plan questions Hi, I am looking at the bridge plan, if my parents decide to immigrate to the US as permanent residents. 1) Since their age is 73, I understand the $100k max limit applies. Is that per injury?, lifetime maximum? yearly maximum ? 2) there is left table which says per cause; and the right table says "all cause" what is the difference? 3) Can i buy any other supplemental insurance to supplement this?
1. Lifetime policy maximum. 2. "per cause" deductible means that you have to pay the specified deductible once per every injury/illness. "all cause" deductible means it is annual deductible. You have to pay that only once no matter how many times you use the insurance in one year. I recommend this. 3. No. You can buy the bridge plan at /new-immigrants-health-insurance/ Please let me know if you have any other questions
Thanks for the quick response. I understand this plan does not cover preexisting conditions. How is this evaluated ? 1) Qtn: Is "pre exisiting condition" narrowly defined or broadly defined 2) e.g. my father has diabetes. if he develops glaucoma or high blood pressure (which he doesnt have) as a result of diabetes If Narrowly defined: it should cover if broadly defined: since this is a consequence of diabetes at some level, it cant be covered
1. Broadly defined. It is determined by the insurance company's claim department when claim occurs. 2. Not covered. If anything occurs because of pre-existing condition, that is also pre-existing condition.
Thanks, it seems to be bad idea to bring senior parents here!
Exactly.
Interesting. 1. Are the travel insurances better (on a visitor visa)? 2. or as bad or worse. (if they visit for 1 or 2 months.) Or are we just counting on no mishaps (as it is a short time span) ?
They work the same way. However, if they are here for a short period, the risk is lower. That's it.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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