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**URGENT**Need advice on Medical Insurance for 10 days + Travel Hello, First of all ...information on this site is just great.. :) -Back ground info. My inlaws are here for the last 5 months, leaving to India in about 15 days. Few days back we took him for a general check up and all looks good. We did not take a medical insurance for them this trip so i paid all expenses out of my pocket. I am just concerned that if something were to happen, we are not presently covered. So...my questions are.. 1) I want to take a medical insurance that will cover them for the next 2 weeks here in the US and his travel to India. Can i get one? 2) If he needs to visit the DR (BP check up etc) again before he leaves for India will those expenses be covered? 3) If there is a need to take X ray, lab , CT scan or go in to Emergency etc will those be covered. What options are out there / any advice. Thank you.
If you didn't buy the insurance for them for last 5 months, why would you like to buy now? Were you not concerned that something could have happened to them in last 5 months as well? Why are you concerned only now, after the general check up? Insurance plans will pay for any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It will not cover any pre-existing conditions or preventive check ups. 1. Yes, you can buy. However, depending upon their age, some plans may or may not be available. Just go to the home page, https://www.insubuy.com and enter your criteria. Whatever plans show up is what you can buy. 2. If the Dr visit is for any medical condition that occurs after the effective date of the policy, it would be covered. However, if it is for preventive check up or pre-existing condition like BP check up etc, it would not be covered. 3. Again, all of that would be covered as long as it is for any medical condition that occurs after the effectiv date of the policy.
Thanks for your quick reply as always. We have a local health care that provides a Sliding scale insurance that covers his basic Dr visits etc. So there was no need to take another insurance for his travel. More over, he did a complete head to toe check up before he came here, and there was nothing alarming with his health or any pre existing condition. This sliding scale insurance has made changes to its rules this past week. They have added few clauses, that will not cover his lab, or test and any specialized visits. So that got me thinking that i need coverage for the rest of his stay if something comes up. Thanks
I see. Please let me know if I can be of any further help.
I went ahead and bought Atlas America for 9 days this morning from Insubuy.com. Thanks for your help. I will come back to you in future. Regards.
You are welcome and thank you for your business. Please feel free to contact us at any time if we can be of any further help.
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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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