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It is not entriely true. Visitors insurance plans are meant to cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It is not a blank check to pay for all your medical bills. They are not meant to cover any pre-existing conditions. It is certainly possible that a lot of people who may require medical attention may be due to pre-existing conditions and not covered. And most of the postings you see in the discussion boards and experiences section are the ones who are complaining about the claim not being paid, even if it was legitimately declined. Most people who are paid claims properly never bother to report and therefore, you never come to know about so many claims properly paid. However, that does not at all mean that visitors insurance plans are only meant for accidents. Insurance companies routinely pay for new medical conditions (sicknesses) as well. If a given company pays 5,000 claims correctly, and if one claim is legitimately declined, that one customer goes to 10 different web sites and posts everywhere and 10,000 people read about it and many of them think that this company is not paying claims. But many such readers are overlooking the fact that the same company paid 5,000 claims correctly. And even that one claim was legitimately declined. And even if that one claim was legitimate and had administrative delay or confusion or hassle for whatever reasons beyond one individual's or one company's control, that does not make the entire company bad. And of couse, in this paragraph, I am only talking about the plans that we offer, from US companies. I can't really comment on the insurance plans from foreign companies (outside US) that we don't represent. If you have any further questions, please feel free to post them here or contact us at any time.

The first step would be to find out whether she had insurance or not. If so, did it provide the coverage in the US? Did she come here on visitors visa or visa waiver program? If on visitors visa, did you sponsor her visa? Did you sign any documents at the hospital assuming the responsbility of the bills? The insurance she had is no doubt invalid due the mistake she made on the application. She was here on vacation and had taken out holiday insurance. I provided my name and contact details at the hospital. I didn't sign to accept responsibility for payment. Plus, as I said, the hospital declined to discuss anything with me.

1. The expiration date is included in the coverage. e.g., if you buy insurance for 1 month starting Jan 13, you would be covered from Jan 13 to Feb 12, and the insurance would expire at Feb 13 12.01 AM EST (That means, you have coverage for 59 seconds on Feb 13, if you want to be that precise). 2. No, deductible does not apply for trip interruption. e.g., your parents come to the US, and if for example, their house in India is on fire or gets flooded or grandmother dies (God forbid), and if they need to return back to India early, and if they need to change the return date and the airline charges, for example, $250, trip interruption would cover that. 3. That is generally helpful for the people whose destination is not too far from their home country. Lets say a US citizen has gone to Brazil for 6 months and comes back home for Christmas vacation for few days with intent to go right back, that would be incidental home country visit. This would generally not be helpful for Indians coming to US because they are very unlikely to travel all the way to India, for example to celebrate Diwali, or attend a marriage for few days and come right back. 4. You can not change the terms of the insurance after the effective date. If you want to make any changes, you will have to purchase a new policy and all the terms and conditions start all over again and you get the new certificate number. 5. Once a year. 6. No. You will have to buy a new one. Insurance is for single trip. If you have any other questions, please feel free to post them here or contact us at any time.

Unfortunately, there is no plan from any company that would cover your already pregnant wife.

1. Cheap and best don't go together. There are two types of insurance plans: Fixed: Cheaper, limited coveage Comprehensive: Better, more expensive coverage More details at /visitors-insurance/ You can look at different insurance plans at https://www.insubuy.com 2. It does not really help for getting visa. I recommend you buy insurance after she gets visa. 3. Yes, that is possible. However, most people specify the US address and email the soft copy (that you receive after purchase or download from /myaccount/) to the relative in India.

1. Correct. 2. Plan maximum is lifetime. Sub-limits are not there for everything, only for few things. e.g., cardiac/cancer limited to $25,000 for first 180 days etc. I request that you read the brochure at /bridge-plan/health-insurance/ to look at all the coverage limits. 3. You first pay the deductible, $2,500, in your case. After that for next $10,000, it pays 80%, you pay 20%. In your case, out of $11,500, after $2,500 deductible, $9,000 expenses are left. Insurance company pays 80% of $9,000 and you pay 20%. If 80/20 for first $10,000, it will pay 100% up to policy maximum. 4A. It does not exactly work like that. If you have diabetes for last 20 years, you still have it and is still considered pre-existing conditions. 4B. There is a medical examination. 5. That would not be covered. Outpatient prescription drugs are not covered anyway. 6. Right. 7. Yes, it is new application. No, the person does not have to be incident free. The application will be treated as if it is completed new application and all exclusions etc. start all over again. Bridge plan is available at /new-immigrants-health-insurance/ If you have any other questions, please feel free to contact us at any time. i read most of the forum postings here and still have questions. my questions may be basic, but i am sure there are people just like me who want to clarify details: Regarding the application: 1. To clarify, if one chooses 'per cause' option, does that mean that each cause has its own maximum? Please clarify difference between 'all cause' and 'per person', these are rather identical. 2. 'Physical defects or infirmity' means genetical defects or defects as result of injuries? 3. Question 4d refers to immediate medical investigation or hospital treatment? I am assuming it doesn't mean just 'any' treatment or investigation, one cannot know that. Other: 1. Can outline the process of the application, including at what point one sees the physician? 2. Can one have the Bridge Plan and supplement it with another insurance plan such as the Inbound Immigrant Plan? Thank you for answering my questions. Application: 1. Per cause or all cause is the deductible, not the policy maximum. If you choose per cause, it means you have to pay that deductible once per every incident. All cause is annual deductible. In any case, the policy maximum is for the life of the policy. 2. Any physical defects or infirmity. 3. Of couse, you can only write whatever you know. Other: 1. You download the paper application from /new-immigrants-health-insurance/ and either fax or scan/email or mail it us. Once underwriter reviews the application, you will be notified whether any tests are needed or whether you need to a physician or blood work is needed or something like. It is case by case basis. After that, you are given the offer and you decide whether to accept it or not. If so, accept it by making the payment. 2. Yes, but could you please let me know what purpose you think it will serve? I hope that answers your questions. If you have any other questions, please feel free to post them here or contact us at any time.