The pre existing coverage offered by India Network Plan is the highest available in the USA. Pre existing coverage of $25,000 is available for 70 plus members with $100,000 policy and a pre existing deductible of $5,000. Alternatively, if the visitor elects the $1,000 Pre Existing Deductible, the Pre Existing Maximum Coverage is $15,000.
For example, your mom is suddenly sick and rushed to the emergency room. She is treated and stabilized. The emergency visit is related to pre existing high blood pressure problem. The insurance will pay U&C charges as given in benefits schedule. The Insurance will pay for services related to the visit until it reaches $25,000 for this sickness (subject to $5,000 deductible with the $100,000 policy) for the visitor age 70 plus. IT IS NOT TEN PERCENT OF THE BILLS. ALL BILLS WILL BE SETTLED AS PER THE POLICY UNTIL THE AMOUNT REACHES $25,000 in this example.
Keep in mind, if an accident or sickness occurs unrelated to the pre existing condition, the standard deductible and standard maximum coverage applies.