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Hello, What visa will you be here on? Dear Sir Thanx for the quote. We will travelling on B1/ B2 Visa. Can we limit the mandatory deductions to 100US$ instead of 250US$ in our policy. Please also clarify whether Atlas insurance covers outpatient treatment facility for minor illness in US such as fever, stomach infection etc and how much amount we have to bear of the total cost of OPD treatment. As ICICI lombard general insurance in india which has a tie up with United Health Insurance of US settles OPD claims (refunds) after submitting bills in India and we have to make all the payments for OPD treatment from our own pocket. How Atlas insurance is different. Regards 1. Yes. You can certainly get $100 deductible instead of $250 deductible. The price for $100 deductble is 10% higher compared to the price for $250 deductible. 2. For both outpatient as well as inpatient treatment, Atlas America participates in First Health and PHCS PPO network. You get the insurance card that will display those PPO network. You just take that insurance card to the doctor or the hospital and they can bill directly. Therefore, it is beneficial to buy Atlas America plan, available at /atlasamerica-insurance/ Please let us know if you have any other questions. Thanx Some more queries 1. Can we get 0% deductible in our insurance policy 2. At Disneyland (on rides) or any other such park if kids or we get hurt then will it be covered under same policy or it comes under adventorous sports and we had to add sports rider in our policy 3. Would it be 100% insurance coverage or 80:20. Is this 80:20 coverage compulsory initially or can we go for 100% coverage 4. Would we be giving our Indian mailing address for the papers to deliver or what. We will be going on 21st May. 5. We will first go to New Jersey, then to DC, Niagra falls, then New York, then Boston, then Los Angeles, San Jose etc. Will Atlas Insurance covers all. Please clarify. 1. Yes, you can. 2. Regular rides are not excluded and you don't need sports rider for that. To be more precise, please look at /atlas-america/visitor-medical-insurance/ The activities listed under the exclusions section are the ones that are excluded. In order to cover those adventure sports, you will need to get sports rider. 3. Look at the heading section of /atlas-america/visitors-insurance/ 4. Yes, you can do that. 5. Yes, it does. I hope that answers all of your questions. If you have any further questions, please feel free to contact us at any time. Otherwise, you can purchase it online at /atlasamerica-insurance/ thanx I have only one concern that is 80:20. Your policy says if the provider bills the insurance company directly it will pay 100% otherwise insurance company pays 80%. I am not able to understand that. When will the provider bill the insurance company directly and when not. What can we do so that the provider bills the insurance company directly. My concern is if we have our travel insurance from ICICI lombard from India which has a tie up with United Health Insurance of US, all hospital treatment is cashless and then we can get all the OPD expenses refunded when we come back and submit bills, but here 20% will go from our pocket. Example, if by any chance during an inpatient treatment at Hospital the bill comes to 5000$ or 10000$ then 1000$ or 2000$ will have to be borne by me that is 45000 INR or 90000 INR which is substantial sum and i wont get any refund. Same is the case with OPD treatment. Hope you can understand. Please clarify. Regards Atlsa America participates in First Health and PHCS PPO networks. When you go to the providers in that network, they can bill directly. You can find the list of providers in the network at /travel-and-student-insurance-ppo-network/ You can find more information at /what-is-visitors-insurance/ I have never seen any hospital not billing the insurance company directly for those who have purchased Atlas America. Therefore, you need not worry about paying thousands of dollars out of your pocket. Please let me know if you have any other questions. Sir I tried to find the list of providers and it showed some CMN network. On clicking search providers, there is a search screen to search doctors in a particular area. I tried to search for physician in new york area but it showed 0 results, then i tried california, again it showed 0 results. Further, there is something like network negotiated fee whats that. Please clarify. Further, also clarify whether this will be a comprehensive policy or a fixed policy. Moreover, please guide is it better to take individual policy of myself and individual policy for my spouse and children or a single one for all 4 of us. As they say if u take combined policy then if any family member uses it first then the other person covered in the policy cant use it. Regards 1. That is not possible. There are thousands of providers both in CA and NY. Please tell me EXACTLY the criteria you selected so that it may help me find out what you might be doing incorrectly. 2. When you go to the providers in the PPO network, they charge the fees that are negotiated between the provider and the insurance company, rather than randomly charging whatever they wish to. 3. Atlas America is a comprehensive coverage plan. 4. It is better to add the dependent children in the same policy as the parents as, for every parent insured, one dependent child under the age of 9 is free. In any case, dependent child rates are lower than child alone rates. 5. That's not true. The coverage is available for each person insured in the policy, irrespective of whether you take combined or separate. One insured claiming the insurance now does not prevent any eligible claims for another insured later. Please let me knwo if you have any other questions. Sir, Ok thanx i was able to open the list of doctors. Regarding your answer to point no. 2 do the fees charged by the providers in the PPO network have to be paid by us or are cashless in OPD treatment. Please clarify. Regards Cashless in OPD treatment in network.

Thank you for your interest in purchasing Patriot Platinum America plan. 1. Yes, you are eligible to purchase the Patriot Platinum America plan. We list the plans in different sections to make it easier for people to understand, but in either case, you are eligible to purchase it as you are not even yet in the U.S. 2. Please read /emergency-medical-evacuation-to-india/ Even though the article talks about India, the same rules apply for any other country as well. 3. Purchasing it online is the most convenient, efficient and quickest method to purchase. You can purchase it online at /patriot-america-platinum-insurance/ Please note that IMG does not sell the insurance directly. (That is why they forwarded your email to us.) Even if you purchase it from IMG's web site, they may assign you randomly to any agent anywhere in the world. If you get assiged to someone in Haiti or Cambodia, what kind of service would you expect when you need it? No matter where you purchase it from, there is no difference in the price. However, the difference is in service. We are IMG's largest producer for last 9 years and have won many awards so far /insubuy-achievements/ The most important difference is that we as a broker, work for you, and not for any particular insurance company. Therefore, if you have any questions or problems or trouble during or after purchase (especially with claim), we are on your side to help you. If you purchase it from somewhere else, it is up to them to provide any serivce. Also, please look at the first FAQ at /visitors-medical-insurance/ 4. You should. 6. That list is located at /international-medical-international-provider-access/ Please note that, the concept of PPO network (provider network) is primarily in the U.S. You can use any provider outside the U.S. I hope that answers all of your questions. If you have any other questions, please feel free to contact us at any time. Hello Thanks for your answers. I need some time to read shortcus completely. Today i could receive my visa card and ready for purchasing. For purchasing from Iran i must use some methods that change my IP to other country like U.S or ENGLAND.I dont think it make problem. best regards, It is not necessary to change your IP address. Please let me know if you have any other questions. Otherwise, you can purchase it online at /patriot-america-platinum-insurance/ Hello, The question that i have doubt about the answer is : Assume my health insurance is for 1 month but for example i am injured in a car accident and inpatient in a hospital and in this moment the time of my insurance get finish. what happen? I must pay after this time? The time of being in hospital how recognized? by doctor or insurance company? if needed for drugs or other treatment in home for a while after ending insurance the company pay for that? Thank you for your complete answers. best regards, Please note that Patriot Platinum America has a benefit period of 12 months, as mentioned at /international-medical-travel-insurance/ Look at /visitor-health-insurance/#benefitperiod for the definition. Please let me know if you have any other questions.

Thank you for purchasing the insurance for your in-laws. You should specify the US address. No, you don't have to change the address every time. We should have one correct mailing address in case something needs to be sent such as renewal notice etc.

Thank you for your interest in purchasing visitors insurance. 1. I sent it to you by a separate email. 2. None 3. Please look at the brochure at /atlas-america/visitor-medical-insurance/ 4. No. There is no free medical treatment available. Please feel free to contact us at any time if you have any other questions. It is very nice of you to have responded to me so promptly and please accept my sincere thanks. I am sorry I had to make some corrections in the mail I sent to you, which are as under: 1. Both the visitors for whom I am seeking the details are above 65 and senior citizens, whose son is a CITIZEN and NOT a Green Card Holder. Will the change in HIS residential status, (i.e) being a Citizen of USA, will enable these two senior citizens, the parents of the Citizen, receive FREE MEDICAL help in case of an emergency being the parents of the Citizen. Please clarify. 2.What will be difference in insurance premium for the above, mother being 67 and father being 69 for six months. 3.Is it advisable to take the policy on arrival on dollar payment? Awaiting to hear from you asap. 1. Answer is still no. There is no free treatment under any circumstances. 2. You can look at the quotes at the link I sent you. If you would like make any other changes, you can make them right there in the quote itself. 3. You can buy the insurance before or after arrival. In either case, the payment is only in US $. Please let me know if you have any other questions.

Yes, you can certainly purchase the health insurance for your travel dates. The price depends upon your age, the policy maximum and the dedcutible. I suggest that you visit https://www.insubuy.com and enter your criteria. You will see various plans and their prices. If you have any other questions, please feel free to contact us at any time. thank you for your reply but unfortunately my english are not so good so it is difficult for me to undertand. please be so kind to inform me the prices. my age is 49, my wifes 51 and my sons 21 and we are healthy. thank you again. Well, I can explain you only in English. What policy maximum would you like to purchase, $50,000, $100,000, $200,000, $500,000, $1,000,000 etc? lets say 50000. and yes i understand english but not so much. if wou want please help me. thank you Please look at Atlas America Insurance at /atlasamerica-insurance/ $50,000 policy maximum with $250 deductible would cost you $63.18 total for you and your wife. It would be additional $12.60 for your son.

Thank you for your interest in purchasing visitors health insurance for your parents. Please note that there are two types of visitors health insurance plans: Fixed: Cheaper, lower benefits Comprehensive: More expensive, better benefits More details: /visitors-insurance/ It is definitely advisable to purchase the insurance from the U.S. based company, compared to India. More details: /visitors-insurance-usa-india-comparison/ Please note most of the insurance companies in India only provide fixed coverage plans for people above the age of 55 years. If you would like to buy the fixed coverage, please look at Inbound USA Insurance. If you would like to buy the comprehensive coverage, please look at Atlas America Insurance. Please note that in either types of insurance plans, your parents' routine visits to the doctors related to their ongoing medical issues will NOT be covered as the insurance is for future unforeseen and unpredictable events that may occur after the effective date of the policy. You can compare various plans side by side online at https://www.insubuy.com If you have any other questions, please feel free to contact us at any time. Thanks. My question might have been confusing and I was able to quite udnerstand the point "Please note that in either types of insurance plans, your parents' routine visits to the doctors related to their ongoing medical issues will NOT be covered as the insurance is for future unforeseen and unpredictable events that may occur after the effective date of the policy." So for instance, one when arrive here in June and my parents complain of pain in their knee joints and need some relaxants or pain killer, the entire visit will not be covered since they might have arthritis or something like that? Thanks, It is not possible for me or anyone to give 'Yes' or 'No' answer. Once the claim is submitted by you or the doctor, the insurance company's claim department will request the medical records from the treating physician/provider and will accordingly determine whether something is a cover expense or not. However, if the person has arthiritis and complains of knee joints, it would most likely be excluded due to pre-existing conditions.