India Network advised every parent visiting from India to take a health insurance plan that covers pre-existing conditions. Recent analysis of claims data shows that majority of high volume and high dollar value claims are originating from pre-existing conditions. As such all these claims would be flatly denied all insurance programs except India Network Health Insurance program with pre-existing condition coverage. Unfortunately, all plans offered in the market today do not pre-existing conditions to the extent and widely as the India Network plan. An insurance policy without pre-ex coverage is limited to accidents and new problems only, which are not frequent and costs much less to handle.
However, there are many members who continue to take basic standard programs without pre-existing coverage even for 70 or 80 year old parents. The common misperception is that the individuals consider themselves very healthy though they are on some kind medication for blood pressure or diabetics or another problem. These and other problems which are common among elderly parents are often ignored as diseases. Any major illness that happens is directly or indirectly related to pre-existing conditions at this age unless it is an accidents. Many plans in the market place do not clearly explain what they consider pre-existing conditions and the agents that market these plans have very limited knowledge of actually whether a claim is paid or not paid.
India Network Health Insurance plans offer both comprehensive plan and the scheduled benefit plans with pre-existing condition coverage on par with new medical conditions. This is the only such program in the whole world that provide protection for elderly visitors. India Network urges everyone planning to visit the United States in the summer to take the insurance plan without which you are exposing yourself more than you ever want. Please visit the web site for latest information and premiums of the plan at https://www.kvrao.in and apply using the online forms.