Premier and network based (80/20 plans with pre-existing) plans offered by India Network Health Insurance provide coverage for pre-existing conditions. The premier plan with $100,000 policy maximum for new problems offer a maximum coverage of $40,000 for pre-existing conditions with $5000 deductible for below 70 years old and $25,000 with $5000 deductible for above 70 years old.
The premier plan with $150,000 policy maximum for new problems offer a maximum coverage of $60,000 for pre-existing conditions with $5000 deductible for below 70 years old and is not available for 70 plus.
Recently enhancements to the program effective November 10, 2012 treat pre-existing conditions on par with new problems and accidents in terms of their coverage and benefits paid. This is the most significant achievement for India Network. Now, the only difference would be that pre-existing condition related out-patient care (such as office visits, labs, tests etc) and in-patient care (hospitlizations, surgeries, intensive care etc) are subject to special deductible chosen by the policy holder (either $1,000 or $5,000) and a separate policy maximum ($40,000 for below 70 years old and $25,000 for above 70 years old).
How the claims are handled? All claims for the new program are handled by Administrative Concepts, Inc. in Wayne, PA, USA. It is reassuring to our members that all claims are handled by US Trained and licensed staff in the United States and your claim forms do not roam around the world. All providers can now submit claims electronically to claims office using electronic payer ID provided on the ID card.