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1. Annual. 2. Prescription drugs are covered as part of the medical expenses. That means, you have to pay 20% for the first $1,000 just once for any combination of dr. visits, hospital stay and rx drugs. 3. After the effective date, as long as there are no claims filed from day 1, Protection America: Fully unused months minus $25 cancellation fee. (This is mentioned in the brochure.) Liaison International: Pro-rated duration minus $50 cancellation fee. Here, unused means early departure. If you bought for 6 months and stayed in US for 6 months, you completely used the insurance and there is no refund in that case. 4. Both. 5. A. Not for Dr. visits. Just for inpatient/surgery etc. And in an emergency, you don't have to first call. You can call within 48 hours or as early as reasonably possible. B. No. C. Same timings in both companies. Anyway, it does not matter based on answer 5A. D. There is no guarantee of benefits in any company. Even in the domestic group health insurance that I get through my employer from Aetna has no guarantees. Precertification is more accurately described as prenotification. You just have to call the insurance company and let them know that you are going to do such & such so that they are better prepared in case the hospital calls to confirm the benefits. Insurance company's claims dept. determines whether something is pre-existing condition or not based dr. opionion, attending physician statement, medical records and treatment details. That is done only after the treatment and when the claim is submitted. That is exactly how domestic companies also work. Just that you don't realize that because most of things are covered in group health insurance. Even I get some things denied in group health insurance if it does not happen to be covered procedure. E. Certificate wording has the official policy details. It is little bit more detailed than the brochure. It is not available online. Contact us and we will make it available to you. I hope this answers your questions. If you have any additional questions, please feel free to contact us at any time or post them here.

Based on ur reply i shall go with protection america.

 looking at the provider directory the list of provides atleast in bay area seems to less for protection america compared to liaison. But on your web-site IMG/protection america is listed as the largest provider network. could u please clarify this part ? is it because the liaison provider directory is not accurate but just lists all provider OR the people who accept Protection america in California (San Jose) area is less ? would appreciate it if u could clarify asap as i need to make a purchase today. thanks

Also didnt understand the *pay once* - part in ur reply for the 80/20 rule, have listed 3 cases below, could u pls clarify which one of it it is. "That means, you have to pay 20% for the first $1,000 just once for any combination of dr. visits, hospital stay and rx drugs. " If patient makes say following expenses for example CASE 1 total expense (insurace pays/ patient pays) --------------------------------------------------------- outpatient - 200$ (160/40$) rx - 50$ (40/10) outpatient - 100$ (80/20) but for this case ------ CASE 2 expense1 - 5000$ (4000$/1000$) ONCE since patient hit 1000$ expense2 - 1000$ (1000$/0$) patient pays nothing. is this what u are trying to say ? ---- CASE 3: guess *NOT* this as this means, patient incurs all expense for first 1000$ and only after that does the insurace starts paying. expense 1 - 200 (0/200) expense 2 - 800 (0/800) UNTIL total hits 1000, insurance pays nothing expense 3 - 500 (500/0) only nowthe insurace coverage starts. ---- thanks

Answer for posting 2 from Isha -------------------- That's not true. I just searched within 10 miles of 95120 (San Jose, CA). I found 1382 providers in Protection America, while I found 752 providers in Liaison International. I am sure you were not search properly. Some times, the same provider is listed differently in different plans (such as family practice or internal medicine or primary care physician. e.g., if you search using the term family practice, and one plan lists most of those types of providers as primary care physician, you would see less no. of doctors in family practice, but does not mean there are indeed less doctors.)

Answer for posting 3 from Isha. ------------------------------ Case 1: This is correct Case 2: This is correct Case 3: This is NOT correct