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Dear Mr. Shah, For the persons above the age of 55 years old, ICICI is definitely a fixed coverage plan. They have not mentioned it in their brochure. However, please look into the policy wording on page 3 in the section called 'Special Conditions' and read #2. It clearly mentions that. You will see the sublimits just like Visitors Care and Inbound USA. Comparing ICICI with comprehensive coverage plans would not be apples to apples comparison. If some product is significantly cheaper than many others, there is usually more than what you readily see. That is why you have to examine everything more carefully. Anyway, it is always better to buy the insurance from the U.S. based company. Please read /visitors-insurance-usa-india-comparison/ to find out more details about buying from US v India. Please examine each aspect and verify it yourself and rather than just taking someone's word for it. Please trust that companies that offer comprehensive plans in the U.S. would not charge 3 times more money for no reason because no one would buy them if that were really the case. I hope that answers your questions. If you have any further questions, please feel free to contact us at any time.

Thanks much for prompt reply and advise. Sorry, I didn't attend to it sooner as I was busy. I udnerstand that ICICI's plan is no way comprehensive plan. They have sub-limits. And my parents are also 56+. Still, here is the comparision I made between Visitors care plan with USD 50,000 limit and ICICI lombard's plan for someone who is 56+. Benefit Vi.Ca. ICICI Which is better? ------------------------------------------------------ Room: 1400 1600 ICICI ICU: 2K 3K ICICI surgical: 3300 12K ICICI Anaesthetist: 25% 25% SAME Pre-admission test: 1100 750 Visitors Private Duty nurse: 550 --- ?? Physicial visit: 55*30 75*10 ICICI (Provided 10+ visits are not required) Diagnostic xray: 800 prescriptions: 250 --- ICICI Ambulance: 450 500 ICICI Moreover, 1. They say there is not specific limit on prescription. If true, this is a big plus point, compare to mere $250 prescription benefit with Visitors Care. 2. There is a PERSONAL LIABILITY coverage with ICICI. This can be used as a liablity insurance for driving car. I am no way an ICICI agent/broker or any way affiliated to ICICI. I am just intrested in buying insurance for my parents who are coming here next week. It seems that ICICI offers (or promise to offer) a lot. But from the past experiences of other customers, I still feel to go for Visitors Care insurance, mostly because I don't want to send documents to India and wait for them to process. I would prefer cashless payment. I have these questions about - Visitors care 1. How to claim - Is it cashless? 2. Is there any network discount / or network at all ? 3. Will I get ID cards? What document can traveler carry to show at POE (just in case officer ask abt insurance)? 4. I am plannign to buy policy for my father and mother. Are both the policy completely independent or grouped together in anyway? 5. I am planning to go for plan A, with 25000 max benefit. Is the limit of 25,000 per person? Can you please give your contact number, or call me at 908-671-1112?

Dear Mr. Shah, There is really no apples to apples comparison, when you buy the insurance from India. Please read /visitors-insurance-usa-india-comparison/ to understand more details about the differences in buying from US vs India. Simply comparing the benefit limits is not the right comparison as there are many other things beyond that. 1 & 2. Read /international-medical-ppo-network/ 3. Yes, you will get the ID cards, both by email and by postal mail. Additionally, you can download the documents at any time from our current clients section at /myaccount/ 4. Everything is per person. 5. Yes, it is per person. My phone number is (866) INSU-BUY. You can talk to anyone in our office. Everyone that answers the phone call is a licensed insurance representative. Specifically, my extension is 112. If you have any other questions, please feel free to contact us at any time.