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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.
Would you like to have stress-free trip? We are here to help you!
USA is one of the most popular travel destination around the world. Every summer millions of people come here to spend their vacation or visit family. If it’s your first trip to USA, here is what you need to know about this country:
1. 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.
2. 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.
3. 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.
4. Make sure to have a valid credit/debit card. It’s the most popular way of making purchases and payments in USA.
5. Don’t use your cell phone. If you want to save money, you can buy local prepaid cellphone plan or use public Wi-Fi.
6. 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.
7. USA uses a different measure system – distance in miles, temperature in Fahrenheit, weight in pounds, and height in feet.
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.
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. 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.
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.
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.
Having a good visitor health insurance is the most important thing you can do for yourself and your loved ones when you visit USA. 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. 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.
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 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.
2. 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.
3. Check visa requirements for USA. You might need to apply for a visa in advance or you might not need a visa at all.
4. 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.
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. 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.
7. Pay your upcoming bills before you leave or ask your family members or friends to pay it for you or set up payment online.
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
India Network Services is pleased to offer the following plans with pregnancy coverage:
1.CHUBB Standard Visitor Insurance. This is a fixed benefit plan covering new medical conditions, and accidents and no pre-ex coverage. It offers $50,000, $100,000 and $150,000 policy maximum with a choice of deductible of $75, $250 and $500 (only for ages 70+) based on the age groups. There are no network benefits under this plan and you can go to any provider you like and plan will pay fixed amounts.
TIP: Recommended for visitors with no pre-existing issues, interested in coverage for accidents and new medical conditions with low insurance premium cost from an American Insurance Company. Minimum purchase required: One Month. More details click here.
2.CHUBB Premier Visitor Health Insurance Plan.This is a fixed benefit plan with coverage for new problems, accidents and pre-existing conditions with a variety of deductible options for new medical conditions and pre-existing medical conditions. This plan offers cost effective pre-existing coverage.
TIP: Recommended for visitors with pre-existing conditions looking for cost effective alternative to the network benefits and willing to take some risk in terms of leftover bills after the plan payments. Highly recommended for anyone above ages 50. There are no network benefits under this plan and you can go to any provider you like and plan will pay fixed amounts. Minimum purchase duration required: Three months (90 Days) and renewal available for any length of time after 90 days. For more details click here.
3.AXIS Plan with Pre-Existing Conditions Coverage*. This plan is available with $25,000, $50,00, $75,000, $100,000, $150,000 and $250,000 maximum coverage with $75, $250, $500, $1,000, $5,000 and $10,000 deductible options. This is a Fixed Benefits program with access to First Health PPO providers. AXIS Plan with Pre-Existing Coverage comes with Accidental Death Benefit, Medical Evacuation, and Repatriation benefits. Also includes access to a U.S. telemedicine physician network through Teladoc.
TIP: Recommended for visitors with pre-existing issues who want to have pre-exisiting conditions coverage from a US-based insurance company
Minimum Purchase required: One Month. More details click here.
*Pre-existing limited to Acute Onset coverage.
Every year a lot of people come to the U.S. to give birth to their children. While there are no exact numbers on ‘birth tourism’, it was estimated by the Center for Immigration Studies that about 36,000 women come to the United States every year to give birth in order to obtain U.S. citizenship for their children (please go to the Center for Immigration Studies’ website to learn more). But there is another big group of people who work or study in the U.S. and plan to become pregnant. They might need a visitor insurance with pregnancy coverage.
Pregnancy is medically viewed as a high risk period, the visitor health insurance companies do not usually cover pregnancy and childbirth for tourists traveling outside of home country.
Please remember that visitor insurance plans will not cover pregnancy and maternity benefits for an existing pregnancy. Conception MUST occur AFTER the Trip begins.
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 pre-existing condition coverage.
Please visit this page to get a quote of Visitor Health Insurance Plans offered by India Network Services.
When you travel, always have 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.
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 $25,000, Emergency 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.
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.
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.
What you need to know before buying visitor health insurance:
Coinsurance – the percentage of costs of a covered health care service you pay after you’ve paid your deductible.
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.
India Network Services is pleased to offer the following visitor insurance plans for students:
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.
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.
You might wonder how to make your suitcase lighter when you want to travel, . Here is what you need to do:
Please visit this page to get a quote for 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.
Before you have your dream vacation at Disney you might have some concerns about your visitor health insurance.
1. How can I pay for visitor health insurance plans provided by India Network Services? Do I need to be physically in the United States?
You can pay for your visitor insurance (which covers you while you are visiting USA) coverage premiums, from anywhere in the world as long as you have a credit card which allows you to make international purchases.
2. Can I purchase visitor health insurance from India Network Services if I am not Indian origin?
Yes, you can buy our visitor insurance plans as long as you’re a member of India Network Foundation. You can became a member by filling out the membership form and paying the membership fee ($10 annually). Let us tell you a little bit about India Network Foundation.
India Network Accident and Sickness Insurance is sponsored by the India Network Foundation, a U.S. based non-profit organization founded to serve the Asian Indian community around the World, and Researchers and Scholars interested in learning about India. Started as the first internet resource for India related news and events in 1988, the INF has established itself as the First and foremost resource on India and India related issues. The travel medical insurance plans, specially developed by Dr. K.V. Rao for visitors, students, and temporary workers (available formally since 1994) in the United States, Canada and Mexico and their families has been acclaimed as “best-in-class” and set the standards for coverage. All Visa holders and their families are eligible to take advantage of the plans.
Please if you have any questions about our visitor insurance plans, feel free to leave a comment here or give us a call at 408-850-2154.
Also we would like to let you know that our live chat works for you from 9 a.m. to 10 p.m. EST.
Please visit this page to get a quote for 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.
Always remember that anything can happen in life and sometimes you might have pre-existing conditions without even realizing that. If that is the case, an insurance company won’t pay for any of your medical bills if your sickness was caused by pre-existing condition. Our advice to every visitor in 50+ age group and to everybody who wants to be on the safe side is always buy visitor health insurance with pre-existing condition coverage such as CHUBB Network plan and CHUBB Premier plan.
If you are young, healthy without any pre-existing conditions (such as high blood pressure, diabetes, heart, asthma, urinary tract infection, etc.) and you want to save money on visitor health insurance, we’re happy to offer you the following visitor insurance plans:
1. CHUBB Standard Visitor Insurance:
This is a fixed benefit plan covering new medical conditions, and accidents and no pre-ex coverage. It offers $50,000, $100,000 and $150,000 policy maximum with a choice of deductible of $75, $250 and $500 (only for ages 70+) based on age groups. There are no network benefits under this plan and you can go to any provider you like and the plan will pay fixed amounts.
TIP: Recommended for visitors with no pre-existing issues, interested in coverage for accidents and new medical conditions with low insurance premium cost from an American Insurance Company.
Minimum purchase required: One Month. More details click here
2. AXIS BasicCare Visitor Health Insurance:
This Visitor Health Insurance Plan is available with $25,000, $50,00, $75,000 and $100,000 maximum coverage with $100 deductible options. This is a Fixed Benefits program with access to First Health PPO providers. AXIS BasicCare insurance comes with Accidental Death Benefit, Medical Evacuation, and Repatriation benefits. Also includes access to a US telemedicine physician network through Teladoc.
TIP: Recommended for visitors with no pre-existing issues who want a cost-effective coverage from a US-based insurance company
Minimum Purchase required: One Month. More details click here
Both of these visitor insurance plans provide programs that offer value for the money to anyone looking for good visitor health insurance coverage and willing to take higher responsibility for out of pocket costs.
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.
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