We received a call from a member who applied for insurance early hours on November 1, 2013 for his mother aged 77 years old. Mom came to the United States in August 2013 but he choose to take the risk on himself. Mom’s coverage is not even effect (the coverage become effective from November 2, 2013) and several providers keep calling India Network office for benefits. India Network advised the member to cancel the insurance as it does not cover the existing medical condition which began before the coverage even started. Member was upset because India Network was not helping but do not understand that there is NO FREE LUNCH in America. One has to purchase the insurance on arrival of the Visitor not just before going to Hospital. No Insurance company will ever wish to take your few hundred dollars and pay you thousands tomorrow just because you are a nice guy.
To all our smart friends out there – take insurance from the start of the journey if you want your loved one protected against unexpected illness or accident or death. But do not try to save dollars by not purchasing the insurance from the start and buy only when you needed. IT DOES NOT WORK with India Network Health Insurance or any other plan or with any other insurance company.
As it is, India Network Health Insurance Plan is the only plan in the United States providing health care coverage for new medical conditions, pre-existing conditions and accidents for all age groups. This promise itself costing thousands of dollars in paid claims than any other plan sold in the market place.