1 Dec, 2012
Health Insurance Advisory for India’s USA-Bound Worldwide Visitors
Orlando, FL (PRWEB) November 30, 2012 – India Network Foundation, sponsor of Accident and Sickness Insurance programs for visitors to the US, announced today a travel alert to seniors visiting abroad to carefully review contract language to ensure the highest level of medical insurance claims when visiting the United States.
A recent examination of India based insurers revealed that inexpensive plans with high medical coverage did not offer any reimbursement for pre existing condition coverage. With more than 250,000 parents visiting the United States every year from India with ailments such as diabetes, high blood pressure, cardiovascular issues and other pre existing conditions, enrollment in one of these policies would result in a claim denial for most hospitalization and sickness contracted while visiting family in the USA.
The Foundation conducted the evaluation given the concern that many Indian visitors were unaware of the limitations of the low-cost, India based policies. The study consistently identified contractual language that denies claims for sickness and hospitalization due to existing medical conditions identified within the past two to five years as well as high blood pressure and diabetes. In plans with pre existing condition coverage, heart attacks would typically only be covered where it was a reccurrence. Age was another common exclusion with seniors ages 60 and older either denied pre existing coverage or coverage severely capped.
Dr. KV Rao, India Network Foundation founder commented, “The study is more significant given that more than thirty six percent of the family members will purchase their travel without the assistance of any travel agency. With the arrivals of Indian visitors to the United States up over 100% in the past decade and the typical stay in excess of two months, travel health insurance should be purchased to cover not only accidents, but sickness and hospitalization due to pre existing medical issues.”
India Network Foundation advises seniors to consider US based insurers that offer simple to understand pre existing condition coverage. One such option is available through India Network with a newly enhanced insurance plan to provide coverage for pre existing conditions providing out-patient, in-patient, accidental death and dismemberment, medical evacuation and repatriation benefits associated with any pre existing medical condition.
The new plans have the same premiums, deductibles and minimum and maximum durations with the added benefit of including out-patient benefits for pre existing condition coverage, previously available only for new issue and accident coverage. The network based (80/20) plan will continue to use Multiplan Network of PPO providers and the scheduled benefit Standard Plan and Premier Plans will continue as open network plans.
About India Network Foundation visit http://www.indianetwork.org
About India Network Health Insurance visit http://www.kvrao.org
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