India Network Foundation is pleased to announce a brand new insurance program for visiting parents to enhance pre existing condition coverage in response to requests from the community at large. Effective November 10, 2012, the web site https://www.kvrao.in offers the new program that has several enhanced benefits. Some highlights of the new program include:
a) Pre existing conditions are covered like any other sicknesses except they are subject to a special deductible and a specified policy maximum. The maximum available for pre existing condition coverage is as much as $60,000 when selecting the $150,000 policy. The India Network Plan is the only kind of program that covers in-patient and out-patient benefits for pre-existing conditions without any restrictions on the type of disease. The coverage is available in a network free plan as well as 80/20 network benefits plan (Comprehensive Coverage plan). The improved preexisting condition coverage plan is available for all age groups up to 99 years of age.
b) Minimum and maximum duration – The Standard Plan can be purchased for a minimum of 15 days and the Premier Plan (Standard Plan with pre existing condition option) can be purchased for a minimum duration of 90 days. The Network based (80/20) plan require a minimum of 30 day enrollment unless the pre existing condition option is selected, which would require a minimum duration of 90 days. Reenrollments can be from 1 to 364 days. The maximum duration allowed of continuous enrollment in is 364 days under all plans. Coverage is available only to visitors traveling to the United States.
b) Pregnancy Benefits – The new program does not have any waiting periods except that the program should be in force when conception takes place.
c) Claims Management – The new program will have an industry leading claim processor, Administrative Concepts, Inc. ACI allows policy holders to monitor their claims online through a web portal. Providers and hospitals can submit the claims electronically and monitor them electronically.
d) 24 x7 Europ Assistance Services – Enhanced Assistance Services – 24 x7 support, Medical Assistance including referral to a doctor or medical specialist, medical monitoring when policy holders hospitalized, emergency medical evacuation, co-ordinate repatriation benefits, and return of mortal remains.
Please use the Program Menu to review the benefits and take advantage of this plan.