Ask Our Specialists

Manjunath, Thank you for your interest in purchasing visitors insurance for your mother-in-law. It is very subective which insurance is the best visitors insurance. Please read /best-visitors-insurance/ for further information. I also suggest that you read our guide at /guide/ It will give you a very good idea of how visitors insurance works. Please visit / and enter your criteria. You will see different plans from different companies. You will see the instant quotes, you can also compare them side by side and choose the one that you like the most. You can make an instant purchase online. You can also call our office at (866) INSU-BUY and we would be glad to help you select the most suitable plan for you. If you have any other questions, please feel free to contact us at any time or post them here.

In Liaison International, it will be determined at the insurance company's discretion whether some situation is emergency nature or not. If it is, it will be covered according to the terms of the policy. If it is not, nothing will be covered. I hope it answers your questions. If you have any further questions, please feel free to contact us at any time or post them here.

You don't have to get any check up done and you don't have to get any certificat regarding pre-existing conditions. When you get sick, it is determined by the claims department of the insurance company, based on the current treatment records and attending physician statement, whether something is a pre-existing condition or not. In other words, you will know about it for sure only after the fact. Please read /visitor-medical-insurance-pre-existing-conditions/ for further information regarding pre-existing conditions. I hope this answers your questions. If you have any further questions, please feel free to post them here or contact us at any time. Thanks for the clarification and for the quick reply.

Thank you for your interest in purchasing visitors insurance. All three plans that you have specified are equivalent in terms of the first three items you mentioned. I am not sure what exactly you mean by item #4. Please clarify. Thanks for your response. Do all the plans I have previously enquired about support direct billing, rather than me having to pay all of the amount charged by the provider and then getting reimbursed? I have read somewhere in the brochures that they require the insured to verify that the we need to inform the administrator before seeking medical treatment ... would this be true even for in-network providers? It is best to ask the questions in the discussion forums as Reviews section is meant only for posting the experiences and therefore has a flat structure. As you can see, the questions and answers from different people get mixed up with one another's. Anyway, to answer your questions: You are mixing two different matters into one another. 1. All 3 plans you mentioned participate in a PPO network. Therefore, when you go to the providers in the network, they generally bill the insurance company directly. Therefore, you don't have to first pay and file for reimbursement. That is uniform across all three plans. 2. This is different in different plans. In Liaison Plans, before you take any treatment in the U.S., you have to call the phone number listed on your insurance card and let them know (prenotification). After that, visit the provider and show your insurance card and in-network providers can bill directly. In Atlas Plan, you have to first inform the insurance company (prenotification) only in case of major things such as surgery, MRI or scheduled hospitalization. In case of emergency hospitalization, you can call within 48 years hours. Again, you take the insurance card to the provider and in-network providers can bill directly. As you can see, from the above explanation, that #1 and #2 items are totally different from each other. In other words, just because you have to inform the insurance company (in some or all case, depending upon the insurance plan) does NOT mean that you have to first pay and then file for reimbursement. Informing the insurance company actually helps so that, if appropriate, can call the provider and provide the necessary information for your smooth experience. I hope that answers your questions. If you have any other questions, please feel free to contact us at any time. thanks for the explanation. If I've understood correctly, Liaison requires us to call the number on the card for any treatment, while Atlas requires it only for surgery, hospitalization, etc... and would not require us to inform the insurance for example, for a physician's visit. Is this correct? I was also looking at Patriot America and Protection America, especially since they also offer RX discount cards. Are there any other advantages to these plans over Atlas and Liaison? Thanks! 1. Correct. 2. Those are also similar plans. Prenotification/Precertification in IMG is similar to HCCMIS, for major things. All 3 major companies: IMG, Seven Corners and HCCMIS are practically equivalent in terms of customer service, network providers, ease of use etc. The main differences that you are see are the objective ones that you see while comparing the plans side by side on this web site. e.g., the coinsurance, out of pocket maximum, renewal and cancellation rules, the prices and other minor differences that you see in different plans. I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time.

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.

Heart attack can be caused by a variety of reasons. Just because you have blood pressure, it does not mean that the heart attack is automatically considered as pre-existing condition. At that same time, just because the person never had the heart attack, it does not mean that heart attack will be covered automatically. It all depends upon the individual case. The claims department will determine based on the attending physician statement and the medical records, whether something is a pre-existing condition or not. Liaison Majestic provides a $200 per night for every night spent in the hospital due to heart attack or stroke that is due to pre-existing conditions, max $3,000. There are no network negotiated fees for the rest of the expenses, as $200/night is given just as indemnity and not processed as a claim. Other than that, Liaison Majestic has policy max of $60,000 while Patriot Platinum America has policy max of $100,000. After deductible, Liaison Majestic is 90/10 for first $5,000 then 100% up to policy max. Patriot Platinum America has 100% up to policy max after the deductible. Therefore, I believe that Patriot Platinum America overall provides much more coverage than Liaison Majestic for new medical conditions, based on the policy max and the coinsurance. Therefore, I would recommend you to buy Patriot Platinum America. However, as you now know the exact pros and cons of each plan, you make a better educated decision. If you have any further questions, please feel free to post them here or contact us at any time.