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No, you can't do that. Look at /new-immigrants-medical-insurance-plans/

Most plans we offer will do that job for you. Please look at https://www.insubuy.com and if you have any specific question after that, please feel free to post here. Do you recommend any specific plan. Appriciate your help. Please call us. We need more information from you.

1. Yes, it is considered pre-existing condition as the condition already exists. 2. There is no clear Yes or No answer to hypothetical questions. If any medical condition arises because of a pre-existing conditions, it is also a pre-existing condition. Heart attack may occur because of pre-existing conditions or because of new conditions. All that will be determined by the insurance company's claims department based on medical records and attending physician's statement. 3. Any chronic problem that may have menifested before the effective date of the policy is also considered pre-existing condition and not covered. Visitors insurance plans (or any short term plans, even for US citizens) are meant to cover any new medical conditions that may occur after the effective date of the policy. They are not meant to cover all the medical conditions that may occur during the visit. All medical conditions don't take time to develop. These plans are for tourists. When people are traveling, many things may go wrong, such as cold, flu, fever, diarrhea , pneumonia, stomach upset, food poisoning, insect bite, snake bite, acute infection, falling down the stairs or on the street, accident or injuries or any such new conditions may occur. Visitors insurance plans are meant to cover primarily those conditions. They are not major medical long term plans (like the ones that you get through employer) meant to cover everything. No short term plan can financially afford to pay for chornic and pre-existing conditions. It is not practial or financially feasible. That is why no such plans exist. Please read /visitor-medical-insurance-pre-existing-conditions/ for more information on pre-existing conditions. Therefore, if your relatives have major chronic medical conditions that may require continuous treatment or have very high chance of needing medical treatment, you have to decide whether you are willing to take the risk and pay for it yourself before you invite them. If you are not willing to take the risk, you should consider visiting them, rather than they visiting you to the U.S. We really dont need coverage for all conditions that you mentioned - mainly because we dont plan to go to the forest and eat cooked vegetarian diet and have never taken a medicine for fu or cold - maybe at most the likes of tylenol. So what I think most visitors need is for sudden conditions like an accident or an attck or seizure. I am not looking for coverage to treat any CAD but only a sudden attack - to be able to send back to the home country with minimal treatment as necessary -all of which shouldnt cost more than $15-20,000 considering 2-3 days of intensive care. Is there any such coverage ? What you plan to do or don't plan to do does not change what is covered and not covered in visitors insurance. You really think 2-3 days of ICU following a heart attack would only cost $15,000 - $20,000? It would very well be around $100,000. There is no plan like that sends you back to home country. All the plans we have available are listed at / Did you know that even the U.S. citizens who are between jobs or would like to purchase short term insurance plans for any reason, they also would not cover any pre-existing conditions? No short term plans are meant to cover pre-existing conditions. It just does not work out that way. Thanks for your information. You have been quite frank and answered my doubts. If you are an agent, maybe you can ask the underwriters to have fixed cost deals with local hospitals. FYI, I know somebody who had a sudden heart condition - the total cost including ICU etc was 57K for 8 days in the hospital (think 3 days in icu). The problem was resolved but the doctors were concentrating on full recovery and wanted to keep for some more days in the hospital - including therapies of several kinds. But then as soon as the patient was out of danger they just went back. He also told me that if they insisted they could have discharged in 3-4 days also. It typically is about $200 per day for regular hospital and icu cost from 1500-10000 per day. The problem maybe due to unnecessary charges like $129 for tissue paper as below link ? 1. We are brokers and we work for you, not for any insurance company. Therefore, we always give the right advice to our customers, not necessarily the sweet sales talk. We are in close interaction with multiple insurance companies on a daily basis. However, no company will cover pre-existing conditions for a short term plan. It does not make any business sense to do so. However, most of the visitors insurance plans we sell do participate in PPO network. When you see the providers in the network, they will charge you only the network negotiated fees for COVERED expenses. 2. I am unfortunately unable to comment on this particular matter - whether hospital charges are fair or not. That is generally a national level healthcare issue. You placed a link to a good article. It was informative for me too. I suggest that you follow the advice given in that article and you inquire with your local hospital what your costs will be for a particular type of treatment. If you have any further questions, please feel free to contact us at any time.

We require more details. Please call us at (866) INSU-BUY I have taken an overseas travel policy in Chennai for a travel to US for 6 months. Based on the policy’s refund procedure, I am eligible for a refund of the unused portion (3+ months) because of my returning back to India. I am a senior citizen, and I had to talk more than 6 times with the customer service of ICICI Lombard, in vain, and till date I have not received the refund, even after escalating the details to the grievance people as advertised in their website (Three names are mentioned), however, they do not even have professional ethics to respond to customer query. I am old enough to raise this battle legally, and with such a pathetic customer service, I would strongly not recommened anyone to take any of ICICI Lombard’s policies. In case of any requirements as to details of this case, I would be happy to provide. I have paid around Rs.19000 in terms of premium amount, on which, almost half of the amount is eligible for refund for non-usage, as per the policy terms. There are no claims or whatsoever against the policy, however, I got a response from a customer service professional - Pankaj Chettri, that I have claimed an amount of 300USD! If this is the case, ICICI should be paying me this money back! However, this cannot happen, as there was no such claim. I am getting a sense that ICICI enters in fradulent transactions similar to what I have quoted above, and probably, some bigger fish is yet unrevealed. If you want to waste your money, energy and time, get disrepected and cheated, you have to knock at ICICI Lombard for a policy. Subbiah, Overseas Travel Policy Holder of ICICI Lombard (Oct 16 - Jan 20)

Hello, We had a phone call conversation about this around an half an hour back. As I described to you, I currently have no access to any of the claims data than what you described to me over the phone. From what you described, your brother had Hepatitis A just few days after coming to the US. I recommend that you read https://en.wikipedia.org/wiki/Hepatitis_A It describes that Hepatitis A is caused by contaminated foor or water in developing countries like India and something not that common in the US. It seems that your brother had got infected in India itself and the symptoms got developed right after coming to the US. Therefore, it would still be considered as pre-existing conditions. It is not just the conditions that were previously already known but the ones that existed are pre-existing conditions. e.g., 1. if you come to the US and 2 days later, you realize that you had malaria. It might very well be pre-existing condition as malaria is not common in USA but in India. You had been infected with mosquito bite in India just before coming to the US. 2. One week after coming to the US, you discover that you had diabetes (many people go to free check ups held at temples, for example). Diabetes didn't happen in one week, you just discovered about it. 3. You got infected with HIV 4 years ago, but AIDS symptoms just start showing after 2 weeks after coming to the US. It is still pre-existing conditions. As you can see, depending upon the disease, the symptoms appreance duration may vary. As we discussed over the phone, if your doctor is able to write any letters or provide any other kind of evidence otherwise, I can help you use that as the appeal after your father gives me the authorization to discuss with the claims department of the insurance company. I will ensure that I will help you with to the best of my abilities. Meanwhile, if you have any questions, please feel free to contact us at any time or post here. I had posted the thread before I talked with you and will follow your advice. I will send you the authorization letter from my father and other letters soon. I will sincerely appreciate any help you can provide in this regard. I have been really tensed ever since the whole issue has started and despite buying all the insurances, I am facing this trouble. Thanks Pragya You are welcome. I am glad to help in any way I can.

1. Look at /visitor-insurance/ Next to each plan, there is a link 'Provider Directory'. You were already looking at the right place. Atlas America participates in Hygeia as well as First Health PPO networks. Therefore, as long as the provider recognizes either of them, you are fine. Both the logos would be printed on the id card. 2. Even though many people buy 50k because that is the cheapest available, I recommend 100k. Many times, the expenses go beyond 50k easily when something serious happens. You may want to choose higher deductible like $1000 to reduce your premiums. 3. Prior medical records and a letter from the current treating doctor would be of help to file an appeal. Please feel free to contact us at any time if you have any other questions. Thank you very much for the quick and helpful response. I have one more question: What is meant by indemnity? In the Patriot America plan, an indemnity payment of $100 is included for stay overnight in a hospital. How is this different from room/ board? Thanks again Atul Indemnity is in addition to the room/board cost. It pays $100/each night for other pocket expenses like food, taxi, phone, misc etc. However, please note that this daily indemnity applies only outside US/Canada. Could anyone suggest a suitable insurance for my visiting parents. They have no pre existing conditions and will be here for 6 months. They are aged around 64 and 61. Earlier we were planning on getting an insurace from India (Oriental or New India) but was advised not to. I ha been hunting around for and the more I look I am more confused. I have looked at the AIG insurance from kvrao.org, certain insurances from this site. I am looking for a $100,000 coverage with $250 deductabile. Please advise which one to go with and are more reliable know for their services. While you look at any insurance plan, first make sure whether it is a fixed coverage plan or the comprehensive coverage plan. You can read more about it at /visitors-insurance/ Some people claim it is a comprehensive coverage plan, when it is a fixed coverage plan in reality. In that case, look (or ask them) whether there are any sub-limits in the coverage. If so, it is a fixed coverage plan. Look carefully at all the details. We always recommend everyone to buy comprehensive coverage plans only and never the fixed coverage plans. Particularly, look at Patriot America plan at /patriot-america-lite-insurance/ It is comprehensive coverage plan with reasonable cost, excellent PPO (First Health) and good service. How does the fixed cverage plan in USA compare with the insurance in India like the Oriental insurance or New India Insurancee? I suggest that you read the article /visitors-insurance-usa-india-comparison/ It describes in very detail the difference between buying from US and India. After reading that, if you have any specific question, please feel free to post here. Between "visitors Care" and "Inbound USA" which one do you recommend based on your experience and knowledge. Both are excellent and very popular plans. However, there are few differences: * Visitors Care participates in First Health PPO network while Inbound USA doesn't have any PPO. * Deductible is once per period of coverage in Visitors Care while it is per incident in Inbound USA. * The policy maximum is life time in Visitors Care while it is per incident in Inbound USA. Therefore, I suggest that you visit https://www.insubuy.com and compare them side by side in detail and pick one according to which feature difference is more important to you. If you have any other questions, please feel free to contact us at any time.