A common question for visitors is “Will a claim be paid for a pre existing condition with visitor medical insurance?” To answer this question, let’s take as an example a family member that had a heart attack 2 years ago.
Medical insurance for visitors with pre existing coverage of India Network Health Insurance policy would cover heart attack while other policies sold on various web sites would not. Consider the exclusions, requirements and limits. Some policies may have a look back period that might prevent reimbursement of a recurrence while another exclusion may require a precertification. Some other health insurance plans for visitors have lifetime limits for pre existing condition coverage which could possibly exclude reimbursement for a second heart attack and some policies only cover “recurrence” of conditions.
Consider also that if the family member had high blood pressure but no prior heart attack, then a heart attack would not be covered as it is not a recurrence under all plans sold by various vendors except India Network Health Insurance Plan.
India Network Health Insurance does not have any of these exclusions, limits or requirements. It has two simple guidelines. First, it is advised that the family member have insurance on the day of or day before their arrival in the USA to receive pre existing coverage from the onset of the enrollment. If the visitor is enrolled after arrival in the United States, the first 7 days covers accidents only. This policy keep rates lower by reducing insurance fraud where a visitor would wait to be enrolled until they need medical attention. Second, reimbursement for pre existing coverage requires an emergency, not a scheduled check-up. This reflects common sense for those enrolling in visitor health insurance with India Network Health to maintain the lowest rates and highest pre existing coverage benefits.