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Q:Many questions for Atlas America insurance I have some question if you could answer: I plan to buy Atlas 100K policy for 3 motnh starting 6 June 2013 for my mom and dad aged 62 and 58respectively. My Father is diabetic. a) List of doctors in Chicago (PPO changes for every insurance, I don’t think BCBS PPO means all what we have, what major hospital which covers and we will; be good) or do you have list of in network ? If yes please send me. b) IS Prescription/ Pharmacy is covered c) Are Lab tests are covered d) There are always policy package for couple- is there a difference e) Urgent care â€" How much is the out of pocket expenses for an individual f) In case we want to see a specialist â€" what is the process/ is that covered g) Preexisting condition like Diabetics is covered ? h) Hospitalization what is the max out of pocket- what I understood is $5000 all inclusive for everything during policy. i) Process for a prescreening, what is required / documentation- doctor list in India / Ludhiana j) Payment plan for policy- any installments Regards,

A:
a. You can find the providers in your area at /travel-and-student-insurance-ppo-network/ b. It is covered just like any other eligible medical expense. c. It is covered just like any other eligible medical expense. d. There is no concept of policy package for couple. Every thing is per person. e. Deductible is waived for US urgent care. There is a $50 copay for US urgent care visit. After that, it is subject to applicable coinsurance. f. Specialist visit is covered just like any other eligible medical expense. You are not required to take any referral and you can visit the provider directly. g. For the persons below the age of 70 years, Atlas America covers an acute onset of pre-existing conditions, up to $50,000 or $100,000, depending upon chosen policy maximum. Please read /visitor-insurance-acute-onset-of-pre-existing-conditions/ h. As long as you visit the provider in the PPO network and they bill directly, you just have to pay the deductible. Otherwise, you pay deductible + 20% of first $5,000, that is $1,000. i. I am not sure what you mean by prescreening. There is no underwriting in short term visitors insurance plan. There is no medical exam required. j. Please read /atlas-america/visitor-medical-insurance/?pid=51 I suggest that you read the brochure and other material available at /atlasamerica-insurance/ It will provide you with good understanding of benefits and coverage. If you have any other questions, please let us know.
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Q:Medical insurance for my parents Hi, I'm planning to buy medical insurance for my parents who are planning to visit us for 6 months starting July this yr. My father was diagnoised with Colon cancer, had undergone colotscomy and surgery for the same end of last yr ie in Dec 2013. After that he has undergone chemotherpies as well from Jan - Mar. Dr in India are fine with him visiting me. I would like to know what insurance options are available so that pre existing ailments are covered in case of any emergencies. I had previously purchased medical insurance policy for my visting in-laws and I'm satified with your coverage. Thanks,

A:
Thank you for contacting us again. Could you please let me know how old are your parents? Thanks for quick response. My father will turn 69yrs this May 15. My mother is 62yrs. My mom had hip replacement surgery done back in 2005 and keeping fine currently. Please consider purchasing available at /safe-travels-usa-comprehensive-insurance/ You will get all the details there, including quotes and you can make an instant purchase online. It will cover acute onset of pre-existing conditions for persons below the age of 70 years, described at /visitor-insurance-acute-onset-of-pre-existing-conditions/ Specific coverage related to acute onset of pre-existing conditions is described at /safe-travels-usa-comprehensive/acute-onset-pre-existing-conditions-coverage/ I hope that answers your questions. If you have any other questions, please feel free to contact us at any time.
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Q:Travel insurance for Europe Hello, We are interested in getting travel insurance for Europe travel between May 8th and May 21st. We are US citizens, but residing in India. Can we still get the travel insurance through your website (insubuy.com) ? If yes, how much health insurance coverage would you recommend for 2 adults (age 31, 37) and 2 kids (age 2 and 5) ? Also, if you have any tips/ suggestions regarding health insurance coverage for Europe travel, please let us know. We are planning to go to UK, France, Italy, Switzerland and if possible Belgium and Netherlands. Thanks for your help, .

A:
Thank you for your interest in purchasing Europe travel insurance. Yes, you can certainly purchase the insurance from us. I recommend that you purchase Atlas International insurance available at, /atlas-international-insurance/. This plan will provide free insurance to two kids under the age 9 years if both the parents are insured in the same plan. You will get all the details, including the prices on that web page. You can also make an instant purchase online. If you have any other questions, please feel free to contact us at any time. Regarding the "Atlas International Insurance" below, is this health insurance only ? Or does it also cover air travel and train travel etc ? Meaning, if there is flight delay or any other problems regarding the air travel/ train travel, will re-booking, accommodations, food etc be covered by this insurance ? It has various travel related benefits such as Emergency Medical Evacuation Repatriation of Remains Loss of Checked Luggage Etc. The kind of coverage you are described is not included. Please let me know if you have any other questions.
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Q:Visitors insurance for 80+ My Father (Indian) will be visiting relatives in USA and will be staying there for ~ 120 days He is 81 Years old. I intend to purchase comprehensive insurance for his entire period of stay in the USA. Please advise on available options. I was not able to find suitable option. He last visit was in Sept 2011 for ~ 2 months. At that time I had purchased insurance from INSUBUY Best Regards

A:
Atlas America provides only $10,000 coverage for 80+ persons. Please look at Safe Travels USA at /safe-travels-usa-insurance/ That is a comprehensive coverage plan and provides you $50,000 policy maximum, the most amount available for 80+. Please let me know if you have any other questions. Thanks for your prompt response a) Please advise other options also apart from Safe Travels. b) I could locate "Inbound USA" .... please advise on this too - - - Updated - - - Would greatly appreciate if you could guide me on the differences between “Fixed Coverage� and “Comprehensive Coverage� that are of considerable effect The cost difference between the two is significant For my father, I am inclined to go for fixed coverage but would be better if I know what impact it would have. I need to have a clearer understanding in order to decide if it is worthwhile to opt for comprehensive coverage even though it is expensive Awaiting your response in detail Thanks and Best Regards Please read /visitors-insurance/ We always recommend everyone to purchase comprehensive insurance only.
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Q:Patriot Platinum American Plan for International Visitors to the USA Good afternoon, We are sponsoring a group of delegates for an upcoming Cleft Congress in Orlando, Florida. They will be flying in from their respective countries on May 4th to the 11th, 2013. We would like them to have the best medical coverage possible, including for pre-existing conditions, for the week that they are in the USA. Our delegates range from 31 to 60 years of age. I was looking in your website and found information on Patriot Platinum American Plan which looked to be the most suitable for our delegates, with "0" deductible and $8 million max. limit. But if you have a more suitable suggestion, please let me know. We will be paying for their insurance cost (they already have trip cancellation and baggage loss and trip interruption insurance) and I would like to know if it would be possible for me to buy all the insurances but without having to put in an address for each (put our office as contact). I'm attaching a possible list of delegates with the basic information (passport number, last name I can send later once we have determined whether or not we will proceed with the purchase).

A:
Thank you for your interest in purchasing temporary medical coverage for your guests. We have are a leading brokerage company in the U.S. for travel medical insurance and we have all major products available in the U.S. market. The plan you have selected provides the maximum policy max. And if you are choosing $0 deductible and $8 million max, there is nothing better available anywhere. Regarding pre-existing conditions, please note that the plan will cover up to $20,000 in acute onset of pre-existing conditions for people below the age of 65 years. There is no travel medical insurance available in the market that would cover all pre-existing conditions. You can purchase Patriot Platinum America plan online at /patriot-america-platinum-insurance/ or we can do it over the phone for you. Alternatively, if you need higher coverage for acute onset of pre-existing conditions, please look at Liaison Continent at /safe-travels-usa-comprehensive-insurance/ It will cover up to $150,000 in acute onset of pre-existing conditions for persons below the age of 70 years if you purchase $1 million policy max, the highest available. If you have any other questions, please feel free to contact us at any time.
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Q:Parents visitors insurance My parents have finally arrived and I want to cover them for 2 months. Their departure date is 5th May. I searched for three things on your website. Atlas, Liaison and just did a default search by entering their details. If I just enter their details, your website gives this option : However, based on my previous questions, you had recommended Atlas or Liaison. Would you please advice which is better ? The third option, guest insurance, seems to be the cheapest plan available. The atlas page does not give details on coverage of pre existing disease, but has lesser cost.Similarly Acute Onset Benefit $50,000 is given by liaison. Also, I do not anticipate anything to go wrong so I am thinking of selecting 2500 as deductible because that is bringing down the total cost for both of them. Of course I can afford 2500 in a God forbidden emergency. I would be grateful if you could please guide me. I am planning on 60 days. from 4th March to 3rd May. Thank you,

A:
Thank you for your interest in purchasing visitors insurance for your parents. Please note that Atlas America and Liaison Continent are comprehensive coverage plans, while Inbound Guest is fixed coverage plan. Read more details at /visitors-insurance/ Both Atlas America Liaison Continent provide coverage for acute onset of pre-existing conditions. Choosing higher deductible is absolutely fine. You can purchase any of the plans online at https://www.insubuy.com I hope that answers all of your questions. If you have any other questions, please feel free to contact 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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Visiting USA?

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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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