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Ask Our Specialists
Which Insurance to buy I need your expert opinion while purchasing medical Insurance for my Mom and Dad. The details are summarized below Dad DOB24 April 1938 (exact 70 Yrs) Health Condition 1. Suffering from Cervical Spondylolysis. Current State stable 2 years, with medication. 2. Known case of Hyper tension. Current State Totally under control with medication no fluctuations since last 3 years. 3. Enlarged heart chamber (LVH). Current State Totally under control with medication, No attack ever. Mom DOB11 Aug 1946 (62 Yrs) Health Condition 1. Suffering from Diabetes. Current State Absolutely under control with medication. Given that I am not sure whether 1. Heart is a precondition for my dad since no attack or any thing. 2. Hyper Tension will be considered as preexisting condition Presumably because one of your FAQ says that if medicines and its dosage it unchanged since long time then it wont be considered as preexisting. In both the cases above the medicines are not being changed for 2 years (ever since when they first started) The most important part is In case of all of the above is preexisting, then is there a need to buy a high premium Insurance because most of the things (especially for Dad) won't be covered as other expenses will be a less expensive and hence fixed cost Insurance might be good enough. More over my wife is a Doctor (Not practicing in US) who can take care in usual illness and practically speaking even if I have to take them to hospital in extreme case (nonpreexisting condition) the cost wont be more that 50,000 $ What do you think I know nothing is certain in this world but I am just looking at the probability and hence wanted to make a good choice and hence need your opinion. Can you suggest the best thing for me... Best Regards SG
All the medical conditions you have described will be considered as pre-existing conditions and not covered. Even if the person didn't have a heart attack, the person has an ongoing heart disease. And that is pre-existing. The reasoning around medicine dose not changed for a long time applies only to the trip cancellation insurance (primarily meant for US residents going abroad) and not to the visitors insurance. Still, in any case, I would recommend you to purchase comprehensive coverage plans. Fixed coverage plans are never enough. Probability of someone getting into completely new medical conditions is the same for anyone for a given age. And when such new medical condition arise, how much you will get covered is that what is the difference between fixed coverage plans and comprehensive coverage plans. Even though both fixed and comprehensive coverage plans may have $50,000 policy max, fixed coverage will only pay $55/dr visit, $330/er visit, $3,300/surgery, $1,400/day/hospital room & board and so on. And those limits are well below the actual expenses. I hope that answers all your questions. If you have any other questions, please feel free to post them here or call us at any time.
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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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Prices are regulated by law.
You cannot find a lower price anywhere for the same product.
Learn MoreWhy purchase insurance from Insubuy®?
Same Price. Better Service.®
There are many advantages in purchasing from Insubuy® and no disadvantages.
Learn MoreVisiting USA?
Healthcare costs are very high in the U.S.
Buy U.S. based visitors insurance and enjoy your trip.
Learn MoreTraveling abroad?
Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?
Purchase travel medical insurance that includes emergency medical evacuation.
Learn MoreNew immigrant to USA?
You are not eligible to enroll in Medicare for the first 5 years.
Purchase new immigrant medical insurance to bridge the gap.
Learn MoreGoing on a vacation?
You could lose your non-refundable trip costs if you had to cancel your trip.
Buy a trip cancellation insurance package plan and be worry-free.
Learn MoreAre you an exchange visitor to USA?
The U.S. Department of State requires all J visa holders to purchase compliant insurance.
Buy J visa medical insurance to meet your requirements.
Learn MoreTraveling to Europe?
Schengen countries require most non-US citizens to purchase Schengen visa insurance.
Make an instant purchase online and get instant visa letter.
Learn MoreTraveling frequently throughout the year?
You don't need to purchase travel insurance for every trip.
Purchase annual multi trip travel insurance for your travels.
Learn MoreInternational student in the U.S.?
Most schools require international students to purchase health insurance.
Purchase international student health insurance that meets most school requirements.
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