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Thu
15
Mar '18

Tips For International Students

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.

Why is it so important to have visitor health insurance for students?

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:

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.

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:

 

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.

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

Wed
21
Feb '18

Accidental Death and Dismemberment Program for US visitors

You definitely should use a chance to spend time with your loved ones and to see the country. 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. 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.

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.

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.

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.

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.

Mon
12
Feb '18

Advantages of Having Visitor Health Insurance Underwritten by an American Insurance Company

Hearing that your health insurance company has gone out of business can be stressful. Even though the bankruptcy rate for insurance companies are relatively low, policyholders across the country are affected by them every year. Fortunately, you’re protected by the Government. All 50 states, Puerto Rico, and the District of Columbia have insurance company-funded guaranty associations. These regulatory agencies supervise insurance companies to ensure policyholders are protected if their providers run into financial difficulty. The state orders the liquidation of the company’s assets by state courts, according to the National Organization of Life and Health Guaranty Associations (NOLGHA). These assets then are converted into cash and given to the creditors to whom the defunct company was indebted, and also to the policyholders who would otherwise have lost their benefits.

Underwriting of a Visitor Health Insurance is the process of evaluating the risk of insuring an individual, such as in the case of health insurance, to determine if it’s going to bring some profit for the insurance company to take the chance and to insure a person. After determining a risk, the underwriter sets a price and establishes the insurance premium that will be charged in exchange for taking on that risk. If you’re currently looking for a Visitor Health Insurance go to this website.

All underwriting process in America has to follow certain rules to make sure that every customer is protected.  But sometimes bad things can happen and a health insurance company can get out of business.

Guaranty limits vary from state to state; they will pay certain claims and return accumulated cash value and unused premiums. Most state guaranty associations will pay at least the following amounts:

$300,000 for life insurance death benefits
$100,000 for accumulated cash value or other withdrawal values for life insurance
$100,000 for withdrawals and cash value for annuities
$100,000 in health insurance benefits

It is important to check with your state guaranty association for the actual limits on your policies. If a claim is made that is in excess of the guaranty association’s limits, a claim may be made against the remaining assets of the failed insurance company to be paid on a prorated basis once the assets are fully liquidated.

Now you know that if you buy Visitor Health Insurance coverage underwritten by American Insurance Company you’re going to be protected no matter what might happen with your Health Insurance Company. But if you buy Visitor Health Insurance underwritten by some foreign company, nobody can guarantee that if something bad happens with this company.

India Network Services has been in business for almost 30 years. Its US-based company. We don’t have any offices in India.  Please go to our website to learn more about our Visitor Health Insurance 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 pre-existing condition coverage.

The India Network features are:

1. India Network Plans are sponsored by nonprofit India Network Foundation and underwritten by highly rated US Insurance companies.
2. All India Network Claims are processed in the United States following US standards that apply to domestic plans.
3. India Network Services pays 100% of all eligible claims; that is more than anyone else in the industry.

Fri
2
Feb '18

What you need to do before you meet Micky Mouse

If you’re going  to great Orlando to enjoy your vacation with Micky Mouse, there is some things you need to consider before you leave.

1. Getting a Visitor Insurance is a must. Go to this website to learn why it’s important to have a Visitor Health Insurance during your trip. Here you can compare and buy Visitors Health Insurance Plans offered by India Network Services. For example, medical bills in the US can be thousands of dollars.

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 cause you lose it.

3. Check US visa requirements of the United States. Depending on your citizenship you might need to get a visa in advance.

4. Pay your upcoming bills before you leave or ask your family members or friends to pay it for you or set up payment online.

5. Make sure your credit card will work in the country you’re going to. If not, get enough cash or travel vouchers. Also let your bank know that you’re going to use your credit card abroad.

6. Get all the medications you need and if you have any pre-existing conditions, you should visit your doctor and ask recommendations regards to your trip.

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!

Stay healthy and get yourself covered from unexpected medical emergencies by buying a cashless Visitor Health Insurance offered by India Network Services. Apply and compare here.

Please visit this page to compare&buy 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 pre-existing condition coverage.