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All questions are answered by U.S. based licensed and experienced insurance professionals.

Q:health insurance premium for H4 when in India for few months Hi, I am on H1B and my wife on H4. I have health insurance through my employer and I have to pay a big premium for both of us. Now my wife went to India for 3-4 months and I would like to stop paying premium for her(it is expensive) until she comes back by removing her from the insurance. But my employer is saying it is not possible as you cannot remove/add without any life changing event like divorce, marriage etc...? Please clarify. Is there anyway I can remove her from the insurance, buy a short term insurance for her until she comes back, then cancel that and then add her back to my employer insurance?

A:
Your employer is right. You can NOT enroll in and out of major medical (long term) plan whenever you want. Long term plan means you keep it year round. If you don't, you may be subject to financial penalties as well.
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Q:Insurance Presale Questions My mother is coming to visit me in USA for 74 days and I am planning to take a visitor insurance. I have a few questions. 1 My mother had breast cancer 12 years back and it is completely cured now. Can she take insurance from your website? 2. Indian insurance companies give emergency advance, baggage loss ,loss of passport etc. Do you provide the same? 3. Do you have to notify the insurance company in advance if you want to visit the doctor? Thank you Sunny

A:
Thank you for your interest in purchasing visitors insurance for your mother. 1. Yes. Please make sure to read the benefits of each plan as it varies. 2. Some of the plans we offer cover loss of checked luggage or loss of passport etc. However, please note that those are small benefits on the side. Your main concern should be to get proper medical coverage that is easy to use and adequate when you really need it. Please read /visitors-insurance-usa-india-comparison/ to understand the difference between buying from US v India. 3. No. Not for the doctor visit but you do have to notify for major things like surgery, hospitalization etc. That is called pre certification or pre notification. Please read /visitors-insurance-precertification-requirements/ for more details. It would be the easiest if you could kindly call our office and we can go over various plans to find the most suitable one for you.
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Q:Question about age Can someone clarify the age requirements listed when obtaining quotes? Is this the age at the time the insurance policy is bought/start date, or the age at the end-date of the policy? If someone I am buying the policy for turns 70 during the coverage period, what is the age I should list when buying the policy?

A:
It is the age as of the effective date. And just to be clear: the effective date is the start date? Yes
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Q:Insurance for dependants... Help needed.. I am Venkataramani Kannan from India. I travelled to US last December with my wife and son who is 8 months old. My company does not cover them and I am expected to travel once every four months. I am currently looking for medical insurance for them in US. Please guide me with coinsurance as well. Is it better to have co insurance..? Could you please help me with the best quote. Thanks in advance. Regards, Venkataramani Kannan

A:
Please call our office. We would be glad to suggest you the most suitable plan.
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Q:Please help me differentiate between these I will need to buy insurance for people visiting the US very soon. For various reasons, I think the best options for me are the following plans: Atlas America, Visitor Secure, and Inbound USA. I would prefer Atlas America, as it has a good range of policy maximums, one of the highest levels of coverage for acute onset of pre-existing conditions, and is a comprehensive coverage plan. However, I have been reading far too many negative reviews about HCC's re-imbursement procedures. I don't have any data about Seven Corners yet. Another major concern is their lack of coverage for anything cancer-related. Looking at Inbound USA & Visitor Secure (also offered by HCC), can you help me understand if there are any major differences between these plans that are not obvious? Also, under the cancer-related section of the benefit summary (chemotherapy/radiation, etc), there is a coverage amount listed as per injury/sickness. What does this mean in the context of cancer treatment (should such an unfortunate need arise)? What exactly is /sickness? I thank you in advance for your input.

A:
Atlas America is a comprehensive coverage plan and is always preferred over any fixed coverage plan. Cancer: That is something that is most likely going to happen over a long period of time and practically going to be excluded in any visitor insurance plan. Instead of arguing with customers, Atlas America directly excludes it. But even in the plans that is not excluded, chances of getting any coverage are next to none. Even if you get coverage for the same in fixed coverage, you are not going be covered for even 1% of the actual expenses you may incur. Therefore, either way, it would be not covered or highly insufficient. Inbound USA and Visitor Secure are two fixed coverage plans. Just the two different administrators. Major difference between them is Visitor Secure participates in PPO network and therefore would have network negotiated fees within the network, while Inbound USA does not participate in any PPO network. If you have any further questions, please feel free to post them here or contact us at any time.
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Q:Student Medical Insurance Visa F1 Coverage Kindly i need to ask about , i'm register for English course in Us which will take around 1 Month in upcoming next September 2015 and institute will provide my with documents to get visa F1 , As well my spouse will be with my in same journey , So i can get long term medical insurance which cover pregnant treatment or baby delivery if it happen. Yours respond will appreciated

A:
You are coming to the US for 1 month and want to delivery the baby in the US? Are you really coming to study English or that is an excuse to delivery the baby in the US? In any case, there is no such insurance plan. I just ask question , why you are ask 1000 question before answer ?
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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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Visiting USA?

Healthcare costs are very high in the U.S.

Buy U.S. based visitors insurance and enjoy your trip.

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Traveling abroad?

Did you know that your insurance may not cover you abroad or that it may only provide limited coverage?

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You are not eligible to enroll in Medicare for the first 5 years.

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You could lose your non-refundable trip costs if you had to cancel your trip.

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Are you an exchange visitor to USA?

The U.S. Department of State requires all J visa holders to purchase compliant insurance.

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Schengen countries require most non-US citizens to purchase Schengen visa insurance.

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Traveling frequently throughout the year?

You don't need to purchase travel insurance for every trip.

Purchase annual multi trip travel insurance for your travels.

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Most schools require international students to purchase health insurance.

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