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Thread: Brige plan questions

  1. #1
    Join Date
    May 2005
    Posts
    2,621

    Default Brige plan questions

    Hi, I am looking at the bridge plan, if my parents decide to immigrate to the US as permanent residents.
    1) Since their age is 73, I understand the $100k max limit applies. Is that per injury?, lifetime maximum? yearly maximum ?
    2) there is left table which says per cause; and the right table says "all cause" what is the difference?
    3) Can i buy any other supplemental insurance to supplement this?

  2. #2
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    1. Lifetime policy maximum.
    2. "per cause" deductible means that you have to pay the specified deductible once per every injury/illness.
    "all cause" deductible means it is annual deductible. You have to pay that only once no matter how many times you use the insurance in one year. I recommend this.
    3. No.

    You can buy the bridge plan at https://www.insubuy.com/new-immigran...lth-insurance/

    Please let me know if you have any other questions
    Thanks & Regards

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

  3. #3
    Join Date
    May 2005
    Posts
    2,621

    Default

    Dear Mr Khatri,
    Thanks for the quick response. I understand this plan does not cover
    preexisting conditions. How is this evaluated ?
    1) Qtn: Is "pre exisiting condition" narrowly defined or broadly defined

    2) e.g. my father has diabetes. if he develops glaucoma or high blood pressure (which he doesnt have) as a result of diabetes
    If Narrowly defined: it should cover
    if broadly defined: since this is a consequence of diabetes at some level, it cant be covered

  4. #4
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    1. Broadly defined.
    It is determined by the insurance company's claim department when claim occurs.
    2. Not covered.
    If anything occurs because of pre-existing condition, that is also pre-existing condition.
    Thanks & Regards

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

  5. #5
    Join Date
    May 2005
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    2,621

    Default

    Thanks, it seems to be bad idea to bring senior parents here!

  6. #6
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
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    Default

    Exactly.
    Thanks & Regards

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

  7. #7
    Join Date
    May 2005
    Posts
    2,621

    Default

    Interesting.
    1. Are the travel insurances better (on a visitor visa)?
    2. or as bad or worse. (if they visit for 1 or 2 months.) Or are we just counting on no mishaps (as it is a short time span) ?

  8. #8
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

    Default

    They work the same way.

    However, if they are here for a short period, the risk is lower. That's it.
    Thanks & Regards

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

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