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Dental Problems among Senior Visitors from India
Sep 27th, 2018 by VisitorHealth

Besides the age, a poor oral hygiene adds more problems for Indian visitors. Typically in India people go to see a dentist just a couple of times during their life and in most of the cases, it’s when they have a severe pain. And it becomes too late to save a tooth.

These are the most common dental problems among senior people:

  1. Cavities.
  2. Tooth loss.
  3. Root decay (root caries).
  4. Dry mouth.
  5. Gum diseases.
  6. Tooth color change.
  7. Stomatitis.

How can these problems be prevented?

  1. Brush your tooth at least twice a day using a special toothpaste.
  2. After meal floss your tooth.
  3. Use a mouthwash on a daily basis.
  4. Drink more water to moisturize your mouth.
  5. Buy dental discount cards to save money on dental work.
  6. Visit your dentist every 6 months for check-ups and cleaning.

How can you help your loved ones while their visit in the United States?

Dentists in the U.S. use the latest technologies in prevention and treatment for any problem your visitor might have. You should take advantage of this opportunity and take your visitors to see a dentist and get all the help needed.
India Network Visitor’s Health Insurance offers discount dental cards which are a great opportunity to get cheaper dental services with one of the best networks of professional dentists.

What is so special about discount dental cards?

  • access to significant discounts at in-network dental offices for a big range of dental procedures;
  • no need to spend time on filling out long claim forms, you will get discounted price right before your service;
  • the same level of care but at significantly discounted prices;
  • free vision plan comes with a dental plan at no extra cost;
  • free prescription discount plan is also included.

Call India Network Visitor’s Health Insurance at 408-540-3600 to take advantage of discount dental cards today.

Travel Medical Insurance Options for Multiple Destination Trip
Sep 17th, 2018 by VisitorHealth

Quite often US visitors like to go to Canada too to see the country or to visit relatives. Some people think that they will be able to use the same visitor’s insurance. They might not realize that Canada is another country with its own healthcare system.

Can I use the same travel medical insurance while I am in the United States and Canada too?

Not always. Canada is not included in the coverage in most of the visitor’s insurance plans. Visitors should be very careful when purchasing a plan. Always ask about coverage and all the details.

Which visitors insurance plan will cover Canada too?

India Network Visitors Health Insurance is offering a range of plan from a US-based underwriter which visitors can use in Canada too. Such as:

CHUBB Network Plan – is a comprehensive plan with the best coverage and little out-of-pocket expenses. It pays 80% of a bill (when using First Health Network) and the remaining 20% will be visitors responsibility.

Who should purchase this plan:

  • people with pre-existing conditions (e.g. high blood pressure, heart issues, diabetes, etc.) – pre-existing conditions coverage has to be purchased;
  • people at 50+ age group;
  • people who want to have better coverage and less out-of-pocket expenses.

Visitors can purchase this plan with full pre-existing conditions coverage option. CHUBB Network plan treats pre-existing conditions the same way as new problems and extends coverage to inpatient, outpatient care, etc. Also, this plan offers access to First Health Network with a cashless claim settlement option and discounted prices for medical services.

CHUBB Premier Plan – is a fixed benefit plan with full pre-existing coverage. This plan allows a visitor to use any medical provider.

Who should purchase this plan:

  • people with pre-existing conditions (e.g. high blood pressure, heart issues, diabetes, etc.);
  • people at 50+ age group.

CHUBB Premier plan also treats pre-existing conditions the same way as a new sickness or accident. Your visitor will always have an option to see a specialist for pre-existing conditions.

CHUBB Standard Plan – is a fixed benefit plan with an option to go to any provider of visitor’s choice. Ths plan has low premiums and different policy maximum options.

Who should purchase this plan:

  • healthy people without pre-existing conditions (e.g. high blood pressure, heart issues, diabetes, etc.);
  • people who want to save money on premiums.

Call India Network Visitor’s Health Insurance today at 408-540-3600 to learn more about visitor’s insurance options.

What is a Pre-Existing Condition and How it Can Affect your Travel Medical Insurance?
Aug 30th, 2018 by VisitorHealth

What is a Pre-Existing Condition and How it Can Affect your Travel Medical Insurance?

What is a Pre-Existing Condition?

Health Insurance in the United States defines a pre-existing condition such as high blood pressure, diabetes, asthma, UTI, etc., as a medical condition that started before a person’s health benefits went into effect. Your visitor might look and feel healthy, but they might have an unknown condition.

If you have any of these conditions you should get a pre-existing plan:
• If you are 50 years old and above.
• If you take medication regularly.
• If you have diabetes, high blood pressure, or high cholesterol,
• If you had any kind of surgery prior to purchasing the insurance.
• If you have any condition that will require regular doctor’s visit.

Full Pre-Existing Coverage

Only our plans underwritten by CHUBB cover full pre-existing conditions for visitors travel insurance. With full pre-existing coverage, you can take your visitor for outpatient care & doctors visits. For example, if your visitor has a heart condition and experiences chest discomfort, you have the option to take them to a specialist. Emergency care, ambulance, medical evacuation & repatriation services are also included.  All other visitors insurance on the market only offers “acute onset” coverage of pre-existing conditions.

What is ‘acute onset’ definition?

When you compare the market visitors medical travel insurance, you will realize that most insurance companies don’t offer pre-existing coverage, but do offer acute onset coverage. There are a lot of exceptions that may apply when it comes to acute onset. For most insurance companies, insured must seek medical attention within 12 or 24 hour window after initial symptoms manifestation in order to be considered acute onset.

Is there is any best travel insurance plans with full Pre-Existing Coverage?

CHUBB Network plan and CHUBB Premier Plan both offer full pre-existing coverage. These visitors insurance plans consider pre-existing conditions the same as new problems and coverage is extended to inpatient, outpatient care, etc. Please go to this page to compare travel insurance and find good to go insurance for your visitors.

Only 3 days left to Get One Month Free Visitors Health Insurance
Aug 22nd, 2018 by VisitorHealth

Celebrating 71 years Indian Independence Day, India Network Foundation wants to thank its members for their support throughout the years by providing ONE month free visitors health insurance to all visitors from India to the United States irrespective of their age (0-99 years) for all CHUBB plans.
Save up to $500!

Click here to learn more.

What All Visitors Should Know Before Travelling to USA
Jun 14th, 2018 by VisitorHealth

If it’s your  first trip to USA, here is what you need to know about this country:

1. Don’t use your cell phone. If you want to save money, you can buy local prepaid cellphone plan or use public Wi-Fi.
2. USA is a country with one of the most expensive prices for medical services and if you get sick here, it might cost you thousands of dollars. Please buy visitor insurance before you leave your home country. Here you can quote and apply for visitor health insurance plans provided by India Network Services.
3. Don’t be surprised to pay more than you see on a store tag because of sales tax. It’s varies depending on what you’re going to buy.
4.  Public transportation is often very limited or not available at all in a lot of cities around USA. Roads can be very busy and difficult to navigate, especially if you don’t know English very well. That’s why you need to decide in advance how you’re going to travel in USA and maybe rent a car with good navigation system.
5. Make sure to have a valid credit/debit card. It’s the most popular way of making purchases and payments in USA.
6. Be ready to give tips in restaurants, hotels, SPA, etc. If you’re going to pay with a credit card, you’ll need to write the amount of tip you would like to give on the credit card receipt and add it to the total number on the receipt.
7. USA uses a different measure system – distance in miles, temperature in Fahrenheit, weight in pounds, and height in feet.

Go to this page to quote and apple for visitor insurance plans provided by India Network Services.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Enjoy your trip and if you want to have stress-free time you should buy visitor health insurance.

Visitor Health Insurance With Comprehensive Pre-Existing Conditions Coverage From American Insurance Companies
Jun 8th, 2018 by VisitorHealth

CHUBB Network plan covers 80 percent of medical expenses, and the insured is responsible for the remaining 20 percent up to the policy maximum. This is a great plan for older people (50+ years), and people with pre-existing conditions. CHUBB Premier is another cost effective option for people who are looking for pre-existing coverage and willing to take some risk. This is a fixed benefit plan and is more affordable to fit different budgets. All plans offer online application and payment by credit card from anywhere in the World.

India Network Foundation, a non-profit community organization in USA announces immediate availability of visitor health insurance plans covering pre-existing medical conditions for in-patient and out-patient care for all age groups without Acute onset limitations. India Network establishes itself as a trend setter in providing innovative visitor health insurance plan designs oriented towards its members and their families. The main goal of India Network visitor health insurance programs is to provide the best possible cover for elderly visitors from India at the lowest cost possible using only USA based underwriting companies.

Dr. KV Rao, Founder President, India Network Foundation says, “Visitors should stay away from health insurance plans that have pre-existing condition coverage with acute onset definition if they have pre-existing medical conditions. The Acute Onset definition pretty much nullifies the coverage for pre-existing conditions as it is impossible to run to the hospital immediately after feeling some discomfort. Due to this reason, any plans that offer millions of dollars of pre-existing conditions coverage using the “ACUTE ONSET” definition at a very low price. As you see very well, most claims do not qualify under the definition of “acute onset” and you will soon realize that plan has no practical coverage for pre-existing conditions.”

India Network Health Insurance offers CHUBB Network Comprehensive plan and CHUBB Premier Plan for visitors with pre-existing conditions that will help with different life threatening episodes caused by pre-existing conditions as well as doctor visits and out patient care. These plans DO NOT use Acute Onset definition; hence, they provide great coverage with fewer restrictions. CHUBB Premier and Network Plans sponsored by India Network Foundation cover pre-existing conditions, new problems and accidents for inpatient, outpatient care, labs, x-ray and other diagnostic procedures.. These plans are recommended for older people (50 years and up), and for people with pre-existing conditions. Pre-existing condition coverage comes with a separate deductible. CHUBB Network plan and CHUBB Premier plan are the only ones in the country that provide great coverage for elderly parents and grand parents visiting the United States.

In the context of healthcare in the United States, a pre-existing condition such as high blood pressure, diabetes, asthma, etc., is a pre-existing medical condition that started before person’s health benefits went into effect. Many visitors feel healthy and fit but they might have a condition that they don’t know about. Most insurance companies DO NOT cover pre-existing conditions at all and even if they cover, coverage is very limited to Acute onset coverage and recurrence of pre-existing sickness associated with strict time line. There are many exceptions exist and may nullify the benefits when under acute onset definition. For most insurance companies, insured persons must seek medical attention within 12 or 24 hour window after initial symptoms manifestation in order to be considered. When it comes to extreme conditions like a heart attack or stroke, people need to get immediate care since these conditions can be very severe, and could cost a lot of money and tremendous pressure on family. Any pre-existing coverage that uses “acute onset” definition is likely to deny almost all claims for pre-existing conditions in normal course.

US Travel Advisory For Summer 2018
May 24th, 2018 by VisitorHealth

Diabetes and high blood pressure are universal problems that most elderly visitors from India and other countries are facing, and they are all pre-existing conditions that could lead to other health complications. Planning a vacation or visiting grandchildren in the United States is always exciting. However whether you are going to see family and friends, starting a new job, going to school, or on a trip, having a good visitor health insurance is the most important thing you can do for yourself and your loved ones. Some people may argue that they are healthy or their medical conditions are under control, but the reality is, anything can happen. While having fun, you could get into accidents or catch cold by simply sitting next to a sick person.

Getting everything ready for international travel can be very overwhelming. Here we will tell you how to get ready for your trip to USA:

1. Get all the medications you need and if you have any pre-existing conditions, you should visit your doctor and ask for recommendations regards to your trip.
2. Get visitor health insurance. It’s extremely important to get a proper coverage for Visitor Health Insurance. Medical bills in the US can be thousands of dollars. Here you can learn more about Visitors Health Insurance Plans offered by India Network Services.
3. Get a passport. If you already have one, make sure it’s current. Also you need to make a copy of your passport in case you lose it.
4. Check visa requirements for USA. You might need to apply for a visa in advance or you might not need a visa at all.
5. Make sure your credit card will work in USA. If not, get enough cash or travel vouchers. Also let your bank know that you’re going to use your credit card abroad.
6. Pay your upcoming bills before you leave or ask your family members or friends to pay it for you or set up payment online.
7. Pack smart – don’t bring things you’re not going to use during your trip. Don’t forget to put a tag with your name, address and phone number on your luggage.
8. Enjoy your trip!

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

For more information please visit https://www.kvrao.org

Accidental Death and Dismemberment Program
May 14th, 2018 by VisitorHealth

You may argue that you are healthy or your medical conditions are under control, but the reality is, anything can happen. While having fun, you could get into accidents, get run over by a car or get terminal illness and all you would want to do is getting back home. And than what?

In these sad circumstances when death occurs during your travel, all the expenses will be on your US family or friends. That’s not what kind of memory you want to leave after you. You always want them to remember all the happy time you spend together not a memory of paying thousand of dollars in bills you left behind.

United States of America is a beautiful country with wonderful nature and different cultures. When you have family members or friends living in the US, they probably will want you to come visit them in the US. You definitely should use a chance to spend time with your loved ones and to see the country. However USA is not perfect and some things can be very frustrating, for example, medical bills. Please go here to read why it’s so important to have a visitor health insurance.

India Network Services is here to help you. We are happy to offer you the following program which will take care of all expenses of returning your remains to your home country and some other expenses you might have:

The CHUBB Accidental Death and Dismemberment program is designed as essential coverage for anyone visiting, studying or working in the United States. The plan offerings are as follows: $25,000, $50,000 and $100,000 maximum AD&D benefit and the plan includes repatriation benefit in case the insured dies while visiting the USA. Minimum duration required to enroll is one year. All non-US citizens are eligible to apply. This plan covers losses of limbs, vision, hearing, speech and more.
Premiums for 12 months coverage are only $18 for $25K and $36 for $50K and $72 for $100K program. India Network highly recommends this benefit for all members of various community groups, and students.
Please read more about Accidental Death and Dismemberment program.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services.

Also if you don’t want to buy Accidental Death and Dismemberment program this time, you always can buy one of our visitor insurance plans which already include Accidental and Dismemberment coverage. You can go to this page and learn more about all visitor health insurance plans we offer.

Visitor insurance options for a person with pre-existing conditions?
May 3rd, 2018 by VisitorHealth

For senior people and for people with pre-existing conditions is very important to have good coverage NOT limited to any fixed prices for medical services. CHUBB Network Plan is NOT FIXED benefit plan and does not limit amount of money you need for every medical service (within the maximum policy coverage). The premiums for CHUBB Network Plan cost more but the coverage is better. The insurance reprices the bills and pays 80 percent of covered expenses and you pay only 20% after the deductible. This plan has FirstHealth PPO network. It’s available with maximum coverage of $150,000 for ages 69 and under; and $75,000 for ages 70-99 with a deductible of $1,500.This plan also includes Accidental Death Dismemberment of $25,000Emergency Medical Evacuation Benefit and Repatriation of Remains Benefit. It is the best plan for people with health problems who doesn’t want to take a chance to risk with getting cheaper plan with bad coverage.

What would be the best option for your loved ones? We often get this question from our clients when they shop for visitor health insurance. We always recommend to get CHUBB Network Plan. Especially for older people and for people with pre-existing conditions such as high blood pressure, diabetes, asthma, etc… You can learn more about CHUBB Network Plan and get the plan brochure here.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services.

To be able to get medical help right away, you need to get a Visitor Health Insurance. That will help you during any medical emergencies. On this page you can compare and apply for Visitor Health Insurance plans offered by India Network Services.

Visitor Health Insurance For International Students
Apr 23rd, 2018 by VisitorHealth

What you need to know before buying visitor health insurance:

Premium – is the amount of money that you must pay for an insurance policy (usually you pay it monthly).

Deductible – is the amount you pay for health care services before your health insurance begins to pay for your medical expenses.

Copay – is a payment defined in an insurance policy and you have to pay for it every time you get a medical service.

Coinsurance – the percentage of costs of a covered health care service you pay after you’ve paid your deductible.

Being a student at the U.S. college or university is very exciting but challenging process. It includes so many different things to consider. One of them is to get the right visitor insurance.

Some students may argue that they are young and healthy and cannot get sick, but the reality is, anything can happen. While having fun, they could get into accidents or catch cold by simply sitting next to a sick person. Flu, cold and food poisoning are universal problems that most students are facing, and they are all could lead to other health complications.

If you want to be good student, you should get visitor health insurance right away. With the right visitor insurance you can concentrate on studying instead of being worried about paying huge medical bills.

Be careful when you buy visitor health insurance and if it’s possible, plan your medical expenses in advance in order to stay in a good financial shape.

India Network Services is pleased to offer the following visitor insurance plans for students:

Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

If you are age 17 and under with pre-existing conditions, the most popular choice is the $150,000 CHUBB Network Plan with the $1,500 Pre-Existing Deductible. Pre-existing medical coverage is $25,000. Members with good health can opt for CHUBB Network Plan for new problems and accidents in the next section or enroll in AXIS plan. Also AXIS Plan is a good choice – it is a fixed benefit plan with Pre-existing Conditions Coverage limited to Acute Onset of Pre-existing existing conditions. See Program page for more details.

If you are age 17 and under and do not have pre-existing conditions, the most popular choice is the CHUBB Network comprehensive Plan. This plan covers 80 percent of covered expenses up to policy maximum after $250 deductible. AXIS BasicCare plan is preferable among fixed benefit plans as it comes with few additional coverage that are not available in other plans.

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