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Thread: Visitor Medical Insurance Buying Tips

  1. #1
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,430

    Default Visitor Medical Insurance Buying Tips

    Before buying any insurance, you need to make sure few basic things:
    * PPO Network: Most comprehensive plans from US have PPO network. e.g., Protection America (IMG) has First Health PPO network. It has got very huge number of providers in the network(some 475,000 doctors, and 4,500 hospitals in US). Very widely recognized PPO. When you go to those providers, they will bill insurance company directly and charge you only network negotiated fee.

    Whenever you buy insurance, you have to ask whether there is any network. If they say, you can go to any doctor, you have to ask "I can go to any doctor. But who is going to accept it?" If they say, everyone. Then, first ask the hospital where you have to the insurance from, where claim is going to occur and whether they would accept it, bill directly or not. If they say no, no matter what agent/insurance company says, it is not going to help you.

    * Insurance card: As most of you know, whenever you go to the doctor, first thing receptionist ask is 'give me your insurance card' which you get if you buy from US. Ask any company whether they issue any such card. In absence of such thing, providers would generally be not willing to bill insurance company directly, and rarely overseas.

    * Claims/administration: Even if the claims are adjusted in US, ask whether
    administrator has actual reserve of money to pay or they have to get it from insurance company first. And if later is the case, if administrator in US can't first pay you/provider until they get money from actual insurance company. And all that can take time, sometime months, and meanwhile, collection agencies may already be after you.

    * Customer Support: Ask about working hours for emergencies, and for admin hours. Whether there is any toll free number, whether you have to call the insurance company overseas before going to the doctor etc.

    * Coverage type: Make sure you understand whether the coverage is fixed or comprehensive. This is not explained many times. Some times, coverage is comprehensive below some age (like 55) and fixed after some age(e.g. above 55). Please clarify that first.

    * Cost: While this is an important factor, please do not make it the only factor into consideration before buying it. Many times, what you pay is what you get.

    * Renewal: Ask whether the plan is renewable in case you are not sure how long the person is going to stay. If the person is initially planning to stay for 6 months, and decides to extend for another 6 months, whether the policy can be renewed. (To the best of our knowledge, Indian law does not allow any insurance company in India to insure person for more than 6 months who is staying/visiting abroad.)

    * Refund: Ask whether there is any refund in case of early departure from US because of whatever reason.

    Also, please read https://www.insubuy.com/guide/ that will help you understand the process.

    If someone is saying that you need to go to hospital instead of a doctor, check whether there is any outpatient benefits (such as doctor's office visit, outpatient prescription drugs, x-rays etc.) are covered or it is just hospitalization coverage.

    And whichever agent you are talking to (US or India), ask them whether they are licensed insurance agent, what kind of professional experience they have. If you are buying through some travel agent in India, he may not be aware how healthcare system works here in US.

    Also, from whomever you buy, ask what kind of mediation or representation or other support someone will be able to do in case of any problem later. If the agent is in India, ask how they will provide service in US.

    If you have any further questions, please post them here or call us at 1-866-INSU-BUY

  2. #2
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
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    Default

    Protection America is the best choice.

    For that plan, to answer the questions I raised:

    PPO Network: First Health PPO network. Very huge network. Widely accepted.

    Insurance Card: As soon as you make a purchase, you get a virtual id card instantly. Next business day, actual health insurance card is mailed to you.

    Claims/Administration: IMG has actual reserve of money to pay claims, and it is based in Indianapolis, USA. They don't have to ask anyone or get money from anywhere before paying your claims.

    Customer support: For emergencies, 24 hours. For other stuff, regular business hours (almost entire day), Monday to Friday.

    Coverage type: Comprehensive, for all ages. Less policy maximums for ages 70+.

    Cost: Pretty comparable to other comprehensive coverage plans in US.

    Renewal: Even though you in particular may not be looking for this, it is renewable for as little as 5 days at a time.

    Refund: As long as there is no claim, insurance company will refund fully unused months minus $25 cancellation fee.

    Agent:
    We are licensed insurance agents and leading broker in USA for visitor medical insurance. Everyone you talk to in our company is licensed & experienced insurance agent, assuring you high quality of service.

    Support:
    If you feel you are having a problem dealing with the company (which should not happen generally), you can contact us and provide us all the relevant information and provide us the authorization to discuss your claim with insurance company (That is because we work for you, and not for them. And by privacy law, they can't discuss your medical details with us with authorization.) A team of 3 persons in our company will take a look at it independently and come to conclusion. If we see enough merit and something is not obviously pre-existing, we would help you through this and try our best, put our arguments, explain the situation, clear any confusion and do whatever best we can do.

    You can look at the plan at https://www.insubuy.com/patriot-america-insurance/ and make instant purchase online.

    And for any questions, call us at 1-866-INSU-BUY. We are open Monday-Saturday, from 9 AM to 10 PM Eastern.

  3. #3
    Join Date
    Sep 2005
    Posts
    1

    Default Cashless settlement from ICICI Lombard

    There are 2 options on ICICI Lombard's site cashless and reimbursement settlement. IF I go for cashless does it mean they would settle my claims with me paying just the deductibles ?

  4. #4
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,430

    Default

    In the tips that I wrote earlier in this thread, please read the section where it mentions about 'PPO Network'.

    Any company anywhere in the world can claim cashless settlement. But when you get hospitalized, you will have finally deal with them and they have to agree to bill the insurance company directly. Unless they (hospital or doctor) agree, it is not going to work out.

    From what I read on their website, it seems that you have to first call them in New Delhi before visiting the doctor/hospital and they will handle everything from there. You can contact your local hospital and ask them whether they are willing to deal with people in New Delhi or they expect you to pay upfront. Whatever their answer is, that is what matters.

    I hope that clarifies.

    If you have any further questions, please feel free post here at any time or you can call us.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  5. #5
    makunag Guest

    Default My own tips and positive experience

    I have seen Mr. Narendra Khatri stating many times on the board that people don't post positive experience. So I decided to post mine along with some of the tips and the lesson learned, hoping that will help lot of other people who are in same boat as I was few months ago. Go to experience section and read "Great Experience with BuyAmericanInsuarnce/OK with IMG"

    Thanks.

    https://www.insubuy.com/visitors-insurance-reviews/

  6. #6
    Join Date
    Jan 2006
    Posts
    1

    Default Visit USA?

    Hi
    When you say you bought from IMG i presume you mean the Visit USA plan correct?

  7. #7
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
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    Default

    No, he means Protection America, available at https://www.insubuy.com/patriot-america-insurance/
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  8. #8

    Default Visitors Care vs. another insurance plan

    Dear Mr.Narendra
    I am trying to take insurance for my father (73 years). I came across Visitors Care on buyamericainsurance and also the one at ***.
    My understanding from reading the brochures is that they both are fixed coverage plans and are very much alike. But I dont understand why the premium for a 50K policy is only 86 in Visitors Care and it is much more over there.
    I am not sure what I am missing.
    Could you kindly help.

    Appreciate your inputs and time very much.

  9. #9
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,430

    Default

    Visitors Care is much better product compared to that plan.

    Visitors Care advantages:
    There is no application fee or membership fee.
    Deductible: $50 or $100 per entire policy period vs. few hundred dollars per every sickness in them.
    All the individual coverage limits are also much higher in Visitors Care compared to them. You can check the brochure for limits such as Hospital Room/Board, ICU, Dr. visit. You will find that almost all the limits are higher in Visitors Care.
    Can be renewed for minimum 5 days.

    The primary reason the prices are lower in Visitors Care while the coverage is much higher is the volume of business, the no. of policies sold by the insurance company. As you know, more and more business insurance company does, they are less and less affected by few big claims.

    Just think about how Wal-Mart provides quality service and products at low price.

    If you have any further questions, please feel free to contact us and we would be glad to go over more details.
    Thanks & Regards

    Toll Free: (866) INSU- BUY
    Local: (972) 985-4400
    Fax: (972) 767-4470
    Website: https://www.insubuy.com

  10. #10
    Join Date
    Jul 2007
    Posts
    3

    Question Need advice

    Hello,

    I need to insure my stepson for trip insurance. He is currently a resident of France but is a Canadian citizen. My husband is picking him up from Montreal, Canada, then going for a road trip (camping) across Canada to British Columbia, then coming back down to Arizona. I need for my stepson to be covered in Canada from July 26/07 to Aug 21/07, then in US from Aug 21/07 to Sept 1/07. My company health insurance will kick in at that point as he has decided to live here with us.

    Will Protection America cover my stepson?

    I will purchase online as soon as I know this is the correct policy. If my stepson does not qualify for this policy, then please recommend one.

    Thanks,
    B Law

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