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1. Pre-certification: Read /international-medical-pre-certification/ 2. Possesing this card does not guarentee coverage >>>> That means that the provider may still need to verify that you have active coverage. You might have cancelled the insurance after getting this cards.

1. Link and the contents of the application for WorldMed or WorldMed Lite are provided and maintained by the insurance company and I have no control over it. I will still send your suggestion to them. 2. You can buy Protection America now. In the online application, all you have to mention is the insurance company name (AIG) and the expiration date. You can do it online. No need to scan/mail anything. 3. WorldMed Lite and Protection America are two totally independent policies and there is no concept of upgrade or change to concept. In other words, there is no portability. Insurance company will cover whatever new medical conditions occur after the effective date of the respective policy. Therefore, in your case, as long as some condition occured after the effective date of Protection America, it should be covered, even if you didn't use that plan for first visit.

Both are good plans. Just different companies.

Also another question about worldmed 2> d> If my charges are say 300$ for one visit. if sickness: lite: i pay 75$ + 20%(225) = 125$ {since deductable is 75$ for sickness}. And 225$ is counted towards max 5000$ ? a/b: i pay 250$ deductable + 20%(50) = 260$. And only 50$ is counted towards 5000$ initial amount. if accident lite, a/b: 250$ deductable + 20%(50) = 260$ in all plans. 1a. That is the only difference. 1b and 1c. There is no switching. You will have to cancel Protection America and purchase Patriot America all over again. Cancellation policy in Protection America: As long as there are no claimed filed since the effective date, insurance company will refund fully unused months minus $25 cancellation fee. In order to cancel it, send an email to admin insubuy.com with the certificate number and date from when you would like to cancel it. Refund is a manual process and usually takes around 2 to 3 weeks. In order to purchase Patriot America, visit / as if you are buying it completely fresh. 2a. Sickness means cold, flu, fever, heart attack etc. Even if it is emergency sickness, it is still sickness and covered only up to $5000. 2b. Plan B is not available for 70+. You need to take either WorldMed Lite or WorldMed Plan A. 2c. After the effective date, there is no refund in WorldMed plans. You can buy it all over again. 2d. $300 is counted towards eligible medical expenses in all plans.

Patriot America was recently enhanced and most of the features in Protection America were added in Patriot America. Now, the real difference between those 2 is Patriot America is renewal only if you buy initially for 3 months. Protection America is renewable even if you buy for minimum 5 days. If you are planning to buy the insurance for 4 months, you can buy Patriot America. As soon as you make the purchase, you will get the virtual id cards in the email. Actual id cards will be mailed to you the next business day.Thanks for the quick reply to my queries.I really appriciate it. Now I have few more questions for you. 1.As there is no major differnce in Protection America and Patriot America, Why protection america premium is almost $200 more over Patriot? 2 Will Protection america deliver the id cards and other documents in postal mail as well as in E-mail (for postal mail no shiiping cost?) I am really confused about what to buy.Please suggest me about the insurance as per your good insurance knowledge and experience. Sonali 1. As I said before, Patriot America was recently enhanced and all good features from Protection America were added in Patriot America. Insurance company didn't have chance yet to update Protection America price/features. That is why it is costs more. 2. Yes. Thanks for your help reagarding all my quries. Yesterday on 20th Apr I purchased patriot America plan for my parents. But I did not receive any confirmation e-mail from the company IMG or from insubuy. I wrote a mail to administrator of insubuy,but i did not get any reply from them also. When I purchased the insurance I got the certificate numbers also.but I am little worried about why I did not get any confirmation mail? When will I get confirmation e-mail and also when I will be able to print those Id cards so that I can able to send them to my parents.and so they will have those prints with them while travelling. Thanks again, Sonali 1. IMG email confirmation. Did you specify Yahoo email address? If so, please check in your bulk mail folder. The confirmation is most likely in your bulk mail folder. 2. Admin of InsuBuy.com Admin department is open till 5 PM Central. If you sent an email after that, you will get the response the next business day. 3. Print id card. You can visit /international-medical-id-card/ and print id card online at any time. 4. Is the last name of the persons Birari? If so, someone in my office just sent you the email confirmation. My husband Rajesh just e-mailed you detailing everything about the insurance. We still not received any emails. Also I clicked on the link you provided for printing Id cards but it is giving me error. So what should We do next? Sonali We talked after this and I believe you are all set. It is much easier to resolve such things over phone rather than public discussion forum. Thanks for your help. Sonali

There is no insurance plan from any company anywhere that will cover pre-existing conditions for visitors to US even if it is emergency. This has been discussed too many times on this forum. In particular, look at /universal-rx/retail-prescription-prices/ I recommend that she get her asthama medical supply from India before comes to US. Check at /universal-rx/retail-prescription-prices/ whether the rx discount card will provide any discount for the medicines/rotacaps she needs.