Travel health insurance should be purchased to cover not only accidents, but sickness and hospitalization due to pre existing medical issues.
Orlando, FL (PRWEB) January 31, 2013
India Network Foundation, sponsor of Accident and Sickness Insurance programs for visitors to the US, announced today a travel alert advising visitors to carefully review contract terms when purchasing temporary health insurance when traveling to the US. 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. The analysis determined that claim reimbursements may be excluded due to age, high blood pressure, diabetes, look-back time periods, and pre-authorization or recurrence requirements. 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 study given the concern that many Indian visitors were unaware of the limitations of the low-cost, India based insurance policies. The study 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 recurrence. Age was another common exclusion with seniors ages 65 and older either denied pre existing coverage or coverage severely capped.
Dr. KV Rao, India Network Foundation founder commented, “The study is significant given that more than one third of family members will purchase their travel without the assistance of any travel agency. With the arrivals of Indian visitors to the USA 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
India Network Foundation, established as a US non-profit organization, has been helping the Asian Indian community in North America with programs and grants to academics from India for more than two decades. India Network Foundation sponsors visitor health insurance to tourists, students, temporary workers (H1 visa holders) and their families. All insurance products are administered by India Network Services.
For more information visit http://www.indianetwork.org
About India Network Health Insurance
India Network Services, is a US based company that administers visitor health insurance to transition residents, tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups with both fixed coverage, comprehensive coverage and with pre-existing condition coverage.
For more information visit http://www.kvrao.org