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Fortunately I am not looking for coverage on my tb treatment/medication. Will you provide me health insurance outside of my tb treatment? So if I am hospitalized with some disease other than tb will I be covered for it? Hope I am clear! Will you be a full-time student, taking classing on full time basis? On F-1 visa? Yes I will be a full time student studying for a two year MBA on a F-1 visa. Look at Study USA /study-usa-insurance/ Insurance company will pay for any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Please look at the brochure for complete details. yep done that. So I am ok to purchase insurance from you and for other than tb I will get up to coverage? Insurance company will pay for any new medical conditions, injuries or accidents that may occur after the effective date of the policy. Please look at the brochure for complete details. I was filling out the enrollment form and had a few questions. In the Insured's Information section do I write my permanent address in India or the address of my rented accomodation in the US? Can I scan the form and email it to your office instead of faxing it or sending it by post? 1. You should write US address. 2. Yes, you can scan/email. The best thing to do is apply online at /

You sent these queries by email also to me and I sent you the reply asking few questions, but I didn't get any reply. Therefore, I will try to answer the questions here: Which state should I select while buying the insurance? >>> You don't have to select any state. All the plans you mentioned above provide coverage everywhere in the US. He will be living in the U.S for about 6 months every year and 6 months in India. We have been trying to find the best, most comprehensive medical policy which would take care of him in case of any serious illness both in India & the U.S >>> As long as he stays in the US for less than 6 months out of the year, you can buy the policy for him that will cover him in the US and also in India. However, the plans you listed above are not appropriate. Look at /expatriate-health-insurance/ If you want the coverage only while he is here in the US, plans at /new-immigrant-insurance/ are appropriate. Is there any policy which can take care of Pre-Existing conditions? >>> No. if not now , atleast after 1 year? >>> No. can we extend ths same policy for 6 years? >> Yes, for the policies in expatriates section. No, for the policies in the new immigrants section. Covers Dental & all Prescription Drugs? >> Depends upon which product you are referring to. Also covers the policy holder during his stay abroad? >> Yes, for the policies in expatriates section. Mostly no, for the policies in the new immigrants section. does any of the above policies or anything else which anyone of u might have taken before say -- " covers everything for a price of ________ $ ? " >>> No. I hope that answers your questions. If you have any other questions, please feel free to contact us at any time or post them here.

If the parent is covered under the group health insurance plan and if the maternity is covered, generally the child is covered automatically up to 30 days. Meanwhile, you have to add the child under the group insurance and most insurance plans would allow that. Check with your employer for the exact procedure.

2. Fixed coverage plans or limited coverage plans have sub-limits like the ones you mentioned in your question 1. Comprehensive coverage plans don't have such limitation. After the deductible, you pay 10% or 20% up to $5,000 (usually) and then it covers 100% up to the policy maximm. Please read /visitors-insurance/ to understand the differences in the detail. 1. Sure. Please look at any of the plans that are listed under 'comprehensive coverage plans' category at /visitor-insurance/ They are all like that. 3. Please look at /visitor-insurance/ All comprehensive coverage plans have a link called 'Provider Directory' next to it. And read the description before you click on 'Search Providers' to search the providers. It describes exactly what you are referring to. US vs. India question: It is definitely better to buy from US based company, rather than from India. Please read /visitors-insurance-usa-india-comparison/ And to specifically answer your questions regarding most plans from India: 1. For people age above 55, most of the plans have such sub-limits. 2. They are fixed coverage plans. 3. No PPO network. No direct billing. First call their office in New Delhi to get permission to go to Dr. First pay and file for reimbursement. I hope that answers all your questions. If you have any other questions, please feel free to contact us at any time. When I compared online in insubuy.com I found that Protection America and Patriot America both provide the same benefits. Infact Patriot America provides two three more benefits(natural disaster benefit and return of mortal remains). Patriot America has lesser premium amount too. When I went through your thread on Tips on visitors insurance, one name referred by you is Protection America. Why is it so? Is that Protection America provides a better customer service. If so can you guide or name which Insurance company provides better service or if you can recommend any specific company for comprehensive plan with the benefits and reasons. Both are from the same company and provides the same service. You must be reading some posts that are several years old. There used to a lot of differences between these two plans earlier. By the way, return of mortal remains are offered in both the plans. The major difference between those two plans is: Patriot America - you must buy minimum of 3 months (and pay 3 months upfront) in order to be able to renew in future. Protection America - you can purchase for any duration and still renew it. How long does it take to buy an insurance. I have selected Patriot America comprehensive plan for my mother. My mother is leaving India on Tuesday 30th March 09 and reaching USA on Wednesday noon. By what time should I buy an insurance. Are you working on Saturdays, if so till what hours. I am at Miami. Please reply. Am trying to reach you right now but somehow am not able to reach. Do you have your official mail ID where I can put a request. Insurance purchase is instant. As soon as you make a purchase, you get the email confirmation. You can download the documents from /myaccount/ You will also get them in the mail. Insurance can start as early as the next day or any future date you specify. Our working hours are from 8 AM to 9 PM, Monday to Saturday and somone is always available during those hours. Of course, I myself practically can't be available during all those hours, but you can talk with any one in our office. Of course, you can buy 24 x 7 from this web site.

Yes, it will be considered as pre-existing condition. In this case doesn't the insurance cover only problems regarding or associated with my foot or any problem regarding my health? Thank you for your reply. Patrizia Insurance plan will cover any new medical conditions, injuries or accidents that occur after the effective date of the policy. It will not cover anything related to pre-existing conditions.

Please look my answers to your questions at https://www.immihelp.com/forum/insurance-for-new-immigrants-to-usa/54208-questions-about-bridge-plan-insurance?t=54262