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Please look at the products at /new-immigrant-insurance/ You should always consider comprehensive plans and never fixed. You may also want to read /new-immigrants-medical-insurance-plans/ for a lot of useful information. Thanks for your reply. I do have a few more questions. If I keep a policy for 12 months, does it get renewed for the second year or is it a brand new policy? If it is a new policy, anything that happens during the first year will be considered as preexisting condition, right? Also, what is emergency evacuation? If there is an emergency, we will call 911 and usually it will be through an ambulance (worst case air lift!). However, I find that there is a separate coverage for ambulance. So, I am kind of confused. Emergency Reunion - Does this cover bringing in someone from India if the insured person gets into emergency? Or is it just the local person who accompany the insured during the emergency? Does it cover extended stays in Canada? Also, for 72 year old person, the max seems to be $50K, right? Thanks Answers to your questions may vary based on the product you choose. Therefore, I will answer specific to Patriot/Protection America plans. However, most plans will work just like as described below. 1. Renewal: It gets renewed and not a new policy. 2. Evacuation: What you described is how generally it works in the US and emergency medical evacuation is not required in most cases. These plans are meant for any one traveling outside their country. Imagine that you have gone to a remote place in Africa and you get hurt or terribly sick. There won't be any 911 there to help you and you may need to be medically evacuated to a place where adequate care can be given. That is where emergency medical evacuation is useful. 3. Reunion: Read answer #2. Again, this policy is for anyone traveling outside their home country. And if the person were to be hospitalized in some place while traveling alone, they would need someone to be with them. In your case, your parents are staying at your place and if they are hospitalized, most likely, you would be near them already. And therefore, the insurance company will not pay to get someone additional from India. 4. Yes. 5. Yes. You can alternatively go for the Bridge plan which provides $250,000 policy max. However, you should consider the Bridge plan only if he is planning to stay here most of the times, rather than going back and forth few months in India and few months in the US. Based on what you have said on emergency evacuation, reunion, etc, and the fact that my dad will never travel alone, would it make sense to go with Patriot Gotravel instead of Patriot? usually I see that the benefits are for the covered period. Le's assume that we have used up $25K of $50K policy maximum in a year of coverage. When we renew the policy after a year, will the benefit maximum get reset to $50K or will it be just $25K? If we need a new policy to get $50K coverage after one year, then whatever the illness that got covered during the prior year would not be covered on the grounds of pre-existing conditions, right? Again, thanks for all your prompt reply. Appreciated it very much. 1. Yes, you can do that. That is exactly why Patriot GoTravel was made. 2. A. It will be just $25k left. B. You are right. If you buy new policy, conditions in previous policy would be considered as pre-existing conditions in the new policy.

COBRA is not an insurance but a law that allows the ex-employees to continue the insurance from their previous employers if they have at least 20 full time employees. Therefore, you have to check with the HR department of your company whether you can continue with their insurance. Companies are required by law to provide you information about continuing insurance coverage during termination or within couple of days. You need to check with the CORBA policy of your company HR before taking any action/resignation as pre-existing coverage will be a nightmare once you quit without COBRA. More here. https://www.dol.gov/general/topic/health-plans/cobra Companies are required ONLY if they have at least 20 full-time employees. Companies are required ONLY if they have at least 20 full-time employees. Yes, You have already mentioned that in your first post post and I felt it was an understood thing and did not want to repeat it. I agree. Just wanted to make sure that everyone is clear it that not all employers are required to offer insurance under COBRA. (Many times, people interpret the words the way which is suitable and favorable to them.) My company definitely has more than 20 employees. But since I am on L1 visa, I am not sure if I am eligible for Cobra.... For instance my HR said it was only for American citizens. But I know at least a couple of my friends who were on H1 and were offered Cobra from their companies. Eligibility for COBRA has nothing to do with citizenship (or legal status). Just the way when you are eligible for group insurance for your employer while working full time irrespective of your legal status (US citizens, greencard holders, H1, L1 or any other people), you get to continue the same insurance on COBRA as well. Your HR manager is definitely wrong.

You sent me an email yesterday afternoon and I already replied to your questions that you are asking here. Did you have a chance to read your email with my reply? Here they are again: 1. Incidental means, as long as your primary destination is in the US, if you go to Canada for a couple of days (e.g., to see Niagara Falls), it will cover in Inbound USA. On the other hand, Visitors Care will cover you anywhere outside home country and USA doesn't have to the primary destination. e.g., your brother stays in Canada and your parents from India are planning to visit Canada for 4 months and to visit USA for 2 months, Visitors Care would cover that. 2. Yes. Please let me know if you have any other questions. Sorry I did not get your earlier e-mail. Thank you for your immediate reply. SSNS

You are really not missing anything obvious regarding coverage. You should definitely purchase WorldMed and you will not be missing anything compared to Diplomat Long Term. In fact, Diplomat Long Term costs more with no additional benefits and a restriction of $1,000 in coverage for first 30 days of effective date for sickness. If both are from the same carrier AIG, why is it like that? I will explain. But before that, let me give you one example. One small business A has 10 employees and wants to buy group insurance from Aetna. That employer has either older set of people, or several people with major sicknesses. On the other hand, another small business B has 10 employees as well and wants to buy group insurance Aetna. That employer happens to have younger people and most of them are quite healthy. The same Aetna company is going to charge more premium to employer A than employer B even if both employers are located in the same location and are getting the same coverage. Something similar has happened in case of WorldMed vs Diplomat Long Term. WorldMed (and few other products collectively) is administered by Travel Insurance Services (TIS). In other words, TIS got one master policy from AIG, called it WorldMed and started enrolling people into it. And we are helping TIS enroll people into it. Global Underwriters (GU) did the same thing and called Diplomat LongTerm. For whatever reasons, TIS enrolled many more people and had a better claims experience than GU. When the time came for renewal, AIG increased the premiums for GU and also put the $1,000/30 days restriction. That is why you see the difference in price and benefits. Therefore, please go ahead with purchasing WorldMed, available at /worldmed-insurance/ I hope that explains. If you have any other questions, please feel free to post them here or contact us at any time.

I am sorry to hear that you are having a problem with the claim. I suggest that you contact me over the phone and provide your policy details as it is not appropriate to write the personal details over the public discussion forum. I would be glad to help you to our best. This is to let everyone know that this problem got resolved and the customer posted his response in our experiences section instead at https://www.immihelp.com/visitors-insurance-reviews/ on May 9, 2008 at 10:48:34 AM >>>>> Hi This post is to let you all know about my experience with Seven Corners. I had posted a message in the discussion forum last week about my experience with Seven Corners. I thought I had probelms with getting a claim settled. My mother in law was treated for Cold and Wheezing. I had taken Inbound USA insurance for her. WE had visited the doctor twice. We got two bills from the hospital and I thought the insurance did not cover anything at all. So I posted a message in this website. The day I posted the message I got an immediate response. He was willing to help me and he got me connected to the Vice President of sales "Seven Corners" Mr. Curt Carlson. Mr. Carlson also helpe me out settling those claims in no time. He made sure that the explanation of benefits were generated and he sent a copy to me. I appreciate his help for looking into this matter so quickly. In spite of his busy schedule he kept in touch with me everyday until the problem is resolved. I appreciate Mr. Carlson for helping me in this regard. I am really happy with their service and I ask you to consider Seven Corners if you are palling to take a fixed coverage insurance. I have posted my true experience, if you have any questions do contact me. Thanks ssns, Skokie IL USA - May 09, 2008 at 10:48:34 AM I am glad that your claims issue has been resolved. And I am glad that I was able to help you out resolve the problem. Thank you for your business. This is another excellent example of how we, InsuBuy.com, as a broker, work in the best interest of our customers. Everyone please feel free to contact us at (866) INSU-BUY for execellent pre-sales and post-sales customer service. We don't stop working for you after the sale is over. We are always here to help you at any time.

1. Yes, that is how it works. Please read /international-medical-ppo-network/ /international-medical-ppo-network/ more details. When you call them, you have to ask them whether they participate and accept First Health PPO. 2. As far as the PPO, it works quite similar. However, there is no concept of co-pay in the short term plan. You have to first pay the deductible. After that insurance company pay 90% (or 80%) for first $5,000. Then it pays 100% up to the policy maximum. 3. Deductible is only once. 4. No. 5. All the coverages start according to the U.S. Eastern Time. Therefore, keeping the time zone between the U.S. Eastern and India in mind, I recommend that you put the effective date as May 12. If you have any other questions, please feel free to post them here or contact us at any time.