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Patriot vs Protection America - renewability question My folks are visiting for ~2 months. It is unlikely that they will stay longer. Patriot seems to be the better choice due to 90/10 at a cheaper premium than 80/20 with Protection America. The caveat is the renewability - cannot renew with Patriot with initial <3 months. I would only need to renew if one of them falls sick and is unable to travel back. In that case, when I attempt to extend their stay, would the hospitalization count as pre-existing condition and the coverage stop the day the original contract expires? Even though the only reason is due to health and inability to travel as a result of that?
Yes, that is exactly why you should purchase Protection America. We have had customers who ran into that kind of situation and badly wanted to renew the policy. Visit /patriot-america-lite/medical-insurance/ and read the message you see in the dialog box. If renewal were not of any importance, the same company would not charge more money for the same kind of product. There would be no reason for such products to even exist.
I have a couple of questions along the same lines. My parents(74 & 63 yrs) are visiting us next week for about 2.5 months. I'm also contemplating between Patriot and Protection America. 1. Are there any differences between them other than the renewability? 2. Say If buy the insurance from Patriot for 2.5 months and if for some reasons they have to extend their stay, can I then buy from Protection? I see from their brochure you could do it if you show the proof of prior insurance. I just wanted to confirm my understanding with you. 3. Do do you recommend any other insurance considering their age? Thanks.
1. Only other difference is that in Patriot America, you get 90/10 coinsurance by default, whlie in Protection America, you can choose 80/20 or 90/201 2. You could buy a new policy. But if get into any problem during previous 2.5 months, it would be considered as pre-existing condition when you buy new policy. And your deductible and coinsurance would be start all over again. 3. If you want to buy $50,000, these plans are the best. If you want to buy $100,000 comprehensive for your father, I would recommend, WorldMed, available at /worldmed-insurance/
Thanks for your immediate response. I have a question on this co-insurance. Is 80/20 or 90/10 applicable per policy period or per sickness?
Per policy period.
One more question. Since my father is over 70 and when I include both my father and mother in one application, the maximum coverage is limited to $50,000. I would like to get $100,000 for my mother and $50,000 for my father. Can I apply seperately(I think I can)? Is there any difference between applying together as opposed to applying seperately. Thanks.
You make separate application for each person. Anyway, there is no difference in price.
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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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