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In USA safe travels there is a limit of 15k for cardiac, for onset of pre existing conditions. And compared to general ICU charges, this cover ll get over within 3 days. In that scenario, can the insurance cover air ambulance to India at least till 25k using the provisions of Medivac.
I want to clarify that the $15,000 for cardiac is for an Acute onset of a pre-existing condition. If something happens due to a pre-existing condition, and it meets the definition of an acute onset, the insured would be eligible for that level of those benefits.
That benefit would have nothing to do with anything related to Medical Evacuation benefits.
If someone were to fall ill here in the U.S. or become injured Medivac benefits do not automatically transport the insured back to their home country and it is not something that would be requested by the insured.
First the Medical evacuation benefit can transport the insured to the nearest medical facility that can appropriately treat them and then if for some reason the attending physician recommended they should be transported back to their home country the insurance company would then review the physician recommendation and determine if it would be appropriate.
If the patient can receive appropriate medical treatment here in the U.S. it would be unlikely they would be medically evacuated to their home country.
I hope this clarifies these 2 benefits and answers your questions.
If you have any additional questions please let us know.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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