Ask Our Specialists

No insurance will cover that. They will have to bring that from India.

There are two options: Liaison Continent: Up to $25,000 in acute onset of pre-ex for below 70 years /safe-travels-usa-comprehensive-insurance/ Liaison International: Up to $15,000 in acute onset of pre-ex for below 70 years /patriot-america-plus-insurance/ Both are excellent plans. Liaison Continent is from Lloyds, the same underwriter as Atlas America. If you have any further questions, please feel free to post them here or contact us at any time. I had the exact question and it has been answered well. Thanks. I do see that Liasion International offers a policy max of $50,000 for ages of 60/65+ while Liasion Continent has even $100,000. That is the notable difference. My other question is - is the policy max on a plan comprehensive adjustable between two insured? For example, if I take an insurance for my father and mother together choosing a plan that offers policy max of $50,000, does it mean my father will then have a policy max of $50,000 and my mother will separately have a policy max of $50,000. Is that correct? If correct, then is the policy max flexible - will it pay if there is an expense of $60,000 for one insured and adjust the $10,000 excess with the other insured on the same plan? If this is not a general rule, is there any plan that specifically offers this convenience? Policy maximum is per person, irrespective of whether you purchase the insurance seprately for two people or combined. Deductible, out of pocket maximum and the price is also per person. If you buy $50,000/person, it is not a combined limit of $100,000 that any one person can utilize. Each person will have maximum $50,000 to use. If you are worried that the expenses may go beyond $50,000 (which, in reality, may very well happen), you should buy $100,000 or higher policy maximum per person. No plan offers the combined limit that can be used from one person to another. Anyway, we always recommend separate policies for each person, simply so that you have the flexibility to renew or cancel for one person if needed. If you have any other questions, please feel free to contact us at any time or call our office. Per your advice, I bought two separate Liasion Continent - Plan A nsurance for my father and mother (each $100,000) through your website. Thanks for all your help and guidance. My father is 80 years old and he has high blood cholesterol issue. He never had a heart attack. No high blood pressure or diabetes. I want to buy an insurance that will cover any emergency heart attack/stroke etc. Can anyone please suggest any plans? My mother is 68 years old and have high blood pressure. I see this one: Liaison Continent: Up to $25,000 in acute onset of pre-ex for below 70 years /safe-travels-usa-comprehensive-insurance/ might be a good fit for her. Any other recommendation would help too. 1. Father. At that age, it is very difficult to find the insurance even for new medical conditions and only few plans are available. Please look at the plans at https://www.insubuy.com They will not cover any pre-existing conditions nor acute onset of pre-existing conditions, but something that may occur after the effective date of the policy. Whether heart attack/stroke will be considered pre-existing condition or new conditions can't be said in advance, as it would be determined by the claims department based on the treatment and physician report. 2. Liaison Continent is certainly a good plan. You can additionally consider purchasing Atlas America for her, available at /atlasamerica-insurance/ The benefits have changed again since August 1, 2012 where the acute onset of pre-existing conditions is covered up to $50,000 for people under the age of 70 years. If you have any other questions, please feel free to post them here or contact us at any time.

$100k Thanks!

Fixed coverage plans pay fixed amounts for each procedure which may be a small fraction of the actual expenses. Therefore, we always recommend everyone to buy one the comprehensive coverage plans. You may choose a higher deductible in order to reduce the premiums. You can find several such plans on this web site. If you have any other questions, please feel free to post them here or contact us at any time.

Yes. Exclusion is for pre-existing conditions and not for pre-known or pre-diagnosed or pre-treated conditions. The only comprehensive policy that's popular and seems to cover preexisting acute is Atlas. Is there any other policy that you recommend? Yes. Exclusion is for pre-existing conditions and not for pre-known or pre-diagnosed or pre-treated conditions. For acute onset of pre-existing conditions coverage in Atlas America, please make sure to read /atlas-america/acute-onset-pre-existing-conditions-coverage/ Other products that cover acute onset of pre-existing conditions or in any other manner are listed at /pre-existing-conditions-coverage-visitors-health-insurance/ Thanks for the timely info. I dont think Atlas is suitable for my parents then. I am looking for liaisoncontinentB or liaison International. Amazingly most people on forum recommended Atlas whenever there were dangers of stroke pre-existing conditions. Is this a new clause? For acute onset of pre-existing conditions coverage in Atlas America, please make sure to read /atlas-america/acute-onset-pre-existing-conditions-coverage/ Other products that cover acute onset of pre-existing conditions or in any other manner are listed at /pre-existing-conditions-coverage-visitors-health-insurance/ Yes, it is a new clause, effective May 1, 2012.

Yes, you can buy different insurance plans for each person. In any case, the premiums and the benefits are per person. We recommend that you purchase the comprehensive coverage plans for both them. Please look at https://www.insubuy.com and you will find various comprehensive coverage plans. If you have any other questions, please feel free to post them here or contact us at any time. Yes, you can buy different insurance plans for each person. In any case, the premiums and the benefits are per person. We recommend that you purchase the comprehensive coverage plans for both them. Please look at https://www.insubuy.com and you will find various comprehensive coverage plans. If you have any other questions, please feel free to post them here or contact us at any time. Thanks... For any of the policies, do they need to take any medical test prior to visiting US? No