Health Plans for US bound Visitors
Most of the following plans are underwritten by NON USA insurance companies, also called sometime Surplus line Insurers with varied ratings of financial stability. India Network DOES not administer these programs and we provide the list for comparision purposes and in cases India Network Plans (CHUBB and AXIS) do not meet individual requriements. Plans do not cover pre-existing conditions and if covered, they employ very restrictive definition such as "acute onset" and "sudden recurrence" and require prior authorizations.
Disclaimer: Please note that Non-admitted carriers are usually referred to as "surplus" or "excess lines insurers". Non-admitted carriers are not regulated and do not contribute to the State Guaranty Fund, which protects policyholders from the bankruptcy of its insurance carrier (Google).
Diplomat America (Underwritter: Lloyds, a non USA company): This plan provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits, Travel Assistance and more. This plan is designed for Non-U.S. citizens and Non-U.S. residents traveling to the United States. This plan is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers, and church or missionary travelers. Click here for more information and application.
Allianz Trip Coverage:
(underwritten by BCS Insurance Company (OH, Administrative Office: Oakbrook Terrace, IL), rated "A-" (Excellent) by A.M. Best Co.) Allianz provide trip coverage for unpredictable traveling situations including trip cancellation, emergency medical and dental, baggage loss, trip delay, and more! Get our plan for financial protection and 24/7 support from travel professionals around the world. Allianz will provide coverage for. Below are the traveling coverage plans: Click here for more information.
Health Insurance Programs for US Citizens and Residents
Humana Health Insurance:( underwritten by Kanawha Insurance Company) provides Obamacare qualified plans minus the hassle of going through the Obamacare web site. This is good for individuals and families that do not qualify for any kind of tax rebate towards their premium dollars. If your income is too low or above the established limits for subsidy (roughly if HH income 50K), one can take advantage of this program. Click here for more information and application.
United Health Insurance Plans: (underwritten by UnitedHealthcare and its affiliates) provide both fixed, and major medical insurance Programs for US Citizens and Residents who are working and living in the United States on a longterm basis. Not available for ages above 65. Offers temporary insurance cover from 30 days to 180 days as well as long term insurance plans. Click here for more information and application.
IHC SHORT TERM HEALTH INSURANCE PLANS (STM): (underwritten by Madison National Life Insurance Company, Inc.) The Insurance Plans below are Underwritten by Standard Security Life Insurance Company of New York, a member of The IHC Group. Temporary health insurance for 30 days to 364 days. Available to persons aged 18-64 years old, their spouse, and dependent children under 26 years old. Child-only coverage is available for ages 2-18 years old. IHC Short Term for membes in between employment or other situations Temporary health insurance is a perfect solution for individuals needing insurance in the short term, whether they are uninsured, unemployed, self-employed or just need an affordable insurance product that fits their monthly budget. Compare plans and pricing, and find the best option. Click here for more information and application.
IHC Critical Illness Plan: Critical Illness Insurance provides a lump sum benefits when a covered medical condition is diagnosed. The payment is made to the insured for treatment, daily household expenses, car payment, and other personal expenses. This insurance proved benefits for people experiencing cancer, heart attack, stroke, major organ failure, colony artery bypass, angioplasty, coma, paralysis, severe burn, and more.
IHC Telemedicine Insurance: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under the Affordable Care Act. This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. Online fulfillment – at the conclusion of this application, you will be able to print out a copy of your application and benefit information.
IHC Dental Insurance:
- The total cost includes all applicable dues and fees.
- The total cost does not include a one-time enrollment fee.
- The insurance coverage is available only to members of Communicating for America, Inc.
- Group association dental insurance under the IHC Dental plans is underwritten by Madison National Life Insurance Company, Inc. in all states except Maine, New Hampshire and New York where IHC Dental is underwritten by Standard Security Life Insurance Company of New York.
- The application must be received by the administrator prior to the requested effective date, and the initial premium must be received by the administrator prior to issuing coverage. If a monthly billing method has been selected, future premium will be due on the first of each month.
- Do not lapse or cancel current insurance coverage unless you receive a written notice from the insurance company that your application for coverage has been approved.
- Spouse includes domestic partner in the following states: DC, NY
HTH Worldwide Health Insurance (Underwritter: 4 Ever Life International, a non USA company): This is a worldwide visitors plan that offer a selection of travel health insurance plans including: coverage for hospital care, surgery, office visits, prescription drugs and medical evacuation. Click here for more information and application
GeoBlue Travel Insurance: (Underwritter: 4 Ever Life International, a non USA company): This plan provides short and long term international health insurance for different types travels for US Citizens traveling abroad. Not available to all countries and war impacted areas. Click here for more information and application.
Diplomat International (Underwriter: Lloyds, a non USA company): This plan provides Accident and Sickness coverage, Accidental Death and Dismemberment benefits, Travel Assistance and much more. Diplomat International plan is designed for U.S. Citizens traveling outside the United States or Non-U.S. Citizens traveling outside their home. This valuable travel protection is ideal for students, business and leisure travelers, study abroad, international exchange students, tourists, holiday travelers, and church or missionary travelers. Click here for more information and application.
Diplomat Long Term ( Underwriter: Llyods, a non USA company): This plan provides Accident and Sickness medical coverage, Accidental Death and Dismemberment benefits, Travel Assistance and much more. This plan is designed for anyone traveling outside their home country for undetermined or extended periods of time. The flexibility and renewability of this plan makes it ideal for business and leisure travelers, expatriates, study abroad, work study programs, international exchange students, tourists, and church or missionary travelers. Click here for more information and application.