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Thread: Which insurance plan to buy

  1. #1

    Question Which insurance plan to buy

    My mother is visting to US from India on B2 for 4 months. She is 56 years old. She is having a High BP. As such her health conditions are good and she had no problem in the past. I want to medically secure her. I want a plan with coverage of $ 50000.

    1)I want a plan where there is no restrictions on the hospitalization or physician visits or miscellenous charges ( like 800 $ per day, 400$ for visit during the period). Is there any such plan where I be the copayee of say 10 or 20 percent and rest is completly paid by Insurance company upto 50000$ if in case she is medically treated irrespective of the type of medical expenses.

    2) What is the difference between comprehensive plan and limited coverage plan. What does the two mean. I just want a plan for medical coverage

    3)I want a plan with PPO network so i can easily find a doctor under insurance. I want a plan where hospital directly claims from the insurance company and not that I have to claim the reimbursements. Since insurance companies does not entertain the reimbursements much.

    So it should be good coverage,reasonable in price,flexible to change the dates without loosing money,good network and proper claim handling

    Can anyone throw some light on this, since am completly not aware about any kind of insurance company. Should I opt for Indian insurance company or USbased company.
    Last edited by Hetalhw; 03-19-2009 at 01:18 PM.

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

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    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 https://www.insubuy.com/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 https://www.insubuy.com/visitor-insurance/
    They are all like that.

    3.
    Please look at https://www.insubuy.com/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
    https://www.insubuy.com/visitors-ins...ia-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.
    Thanks & Regards

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

  3. #3

    Question

    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.

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

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    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.
    Thanks & Regards

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

  5. #5

    Question

    Hi Narendra,

    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.

  6. #6
    Join Date
    May 2011
    Location
    Plano, TX
    Posts
    3,435

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    Insurance purchase is instant. As soon as you make a purchase, you get the email confirmation. You can download the documents from https://www.insubuy.com/clients/ 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.
    Thanks & Regards

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

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