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Health insurance for parents visit Hi I think I have been using your company for all of my parents and inlwas visits in the last few years. I wanted to see if you can quote me a good plan - Parents will be here between 6/2 and 10/16 Ages are - 68 and 62 Looking for good coverage during their say with no or mionimal deductibles. They have a tendency of minor complaints - likes pains in neck, foot, leg, indigestion. So there might be normal visits to the local doctor or urgent care. They are generally healthy and I see now hospitalization needs, but you never know what goes wrong! Let me know what my best affordable options are. Do you recommend getting these from India since there are more companies providing this? Thanks,
Thank you for your interest in purchasing visitors health insurance for your parents. Please note that there are two types of visitors health insurance plans: Fixed: Cheaper, lower benefits Comprehensive: More expensive, better benefits More details: /visitors-insurance/ It is definitely advisable to purchase the insurance from the U.S. based company, compared to India. More details: /visitors-insurance-usa-india-comparison/ Please note most of the insurance companies in India only provide fixed coverage plans for people above the age of 55 years. If you would like to buy the fixed coverage, please look at Inbound USA Insurance. If you would like to buy the comprehensive coverage, please look at Atlas America Insurance. Please note that in either types of insurance plans, your parents' routine visits to the doctors related to their ongoing medical issues will NOT be covered as the insurance is for future unforeseen and unpredictable events that may occur after the effective date of the policy. You can compare various plans side by side online at https://www.insubuy.com If you have any other questions, please feel free to contact us at any time.
Thanks. My question might have been confusing and I was able to quite udnerstand the point "Please note that in either types of insurance plans, your parents' routine visits to the doctors related to their ongoing medical issues will NOT be covered as the insurance is for future unforeseen and unpredictable events that may occur after the effective date of the policy." So for instance, one when arrive here in June and my parents complain of pain in their knee joints and need some relaxants or pain killer, the entire visit will not be covered since they might have arthritis or something like that? Thanks,
It is not possible for me or anyone to give 'Yes' or 'No' answer. Once the claim is submitted by you or the doctor, the insurance company's claim department will request the medical records from the treating physician/provider and will accordingly determine whether something is a cover expense or not. However, if the person has arthiritis and complains of knee joints, it would most likely be excluded due to pre-existing conditions.
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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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