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If the parent is covered under the group health insurance plan and if the maternity is covered, generally the child is covered automatically up to 30 days. Meanwhile, you have to add the child under the group insurance and most insurance plans would allow that. Check with your employer for the exact procedure.

2. Fixed coverage plans or limited coverage plans have sub-limits like the ones you mentioned in your question 1. Comprehensive coverage plans don't have such limitation. After the deductible, you pay 10% or 20% up to $5,000 (usually) and then it covers 100% up to the policy maximm. Please read /visitors-insurance/ to understand the differences in the detail. 1. Sure. Please look at any of the plans that are listed under 'comprehensive coverage plans' category at /visitor-insurance/ They are all like that. 3. Please look at /visitor-insurance/ All comprehensive coverage plans have a link called 'Provider Directory' next to it. And read the description before you click on 'Search Providers' to search the providers. It describes exactly what you are referring to. US vs. India question: It is definitely better to buy from US based company, rather than from India. Please read /visitors-insurance-usa-india-comparison/ And to specifically answer your questions regarding most plans from India: 1. For people age above 55, most of the plans have such sub-limits. 2. They are fixed coverage plans. 3. No PPO network. No direct billing. First call their office in New Delhi to get permission to go to Dr. First pay and file for reimbursement. I hope that answers all your questions. If you have any other questions, please feel free to contact us at any time. When I compared online in insubuy.com I found that Protection America and Patriot America both provide the same benefits. Infact Patriot America provides two three more benefits(natural disaster benefit and return of mortal remains). Patriot America has lesser premium amount too. When I went through your thread on Tips on visitors insurance, one name referred by you is Protection America. Why is it so? Is that Protection America provides a better customer service. If so can you guide or name which Insurance company provides better service or if you can recommend any specific company for comprehensive plan with the benefits and reasons. Both are from the same company and provides the same service. You must be reading some posts that are several years old. There used to a lot of differences between these two plans earlier. By the way, return of mortal remains are offered in both the plans. The major difference between those two plans is: Patriot America - you must buy minimum of 3 months (and pay 3 months upfront) in order to be able to renew in future. Protection America - you can purchase for any duration and still renew it. How long does it take to buy an insurance. I have selected Patriot America comprehensive plan for my mother. My mother is leaving India on Tuesday 30th March 09 and reaching USA on Wednesday noon. By what time should I buy an insurance. Are you working on Saturdays, if so till what hours. I am at Miami. Please reply. Am trying to reach you right now but somehow am not able to reach. Do you have your official mail ID where I can put a request. Insurance purchase is instant. As soon as you make a purchase, you get the email confirmation. You can download the documents from /myaccount/ You will also get them in the mail. Insurance can start as early as the next day or any future date you specify. Our working hours are from 8 AM to 9 PM, Monday to Saturday and somone is always available during those hours. Of course, I myself practically can't be available during all those hours, but you can talk with any one in our office. Of course, you can buy 24 x 7 from this web site.

Yes, it will be considered as pre-existing condition. In this case doesn't the insurance cover only problems regarding or associated with my foot or any problem regarding my health? Thank you for your reply. Patrizia Insurance plan will cover any new medical conditions, injuries or accidents that occur after the effective date of the policy. It will not cover anything related to pre-existing conditions.

Please look my answers to your questions at https://www.immihelp.com/forum/insurance-for-new-immigrants-to-usa/54208-questions-about-bridge-plan-insurance?t=54262

It is not entriely true. Visitors insurance plans are meant to cover any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It is not a blank check to pay for all your medical bills. They are not meant to cover any pre-existing conditions. It is certainly possible that a lot of people who may require medical attention may be due to pre-existing conditions and not covered. And most of the postings you see in the discussion boards and experiences section are the ones who are complaining about the claim not being paid, even if it was legitimately declined. Most people who are paid claims properly never bother to report and therefore, you never come to know about so many claims properly paid. However, that does not at all mean that visitors insurance plans are only meant for accidents. Insurance companies routinely pay for new medical conditions (sicknesses) as well. If a given company pays 5,000 claims correctly, and if one claim is legitimately declined, that one customer goes to 10 different web sites and posts everywhere and 10,000 people read about it and many of them think that this company is not paying claims. But many such readers are overlooking the fact that the same company paid 5,000 claims correctly. And even that one claim was legitimately declined. And even if that one claim was legitimate and had administrative delay or confusion or hassle for whatever reasons beyond one individual's or one company's control, that does not make the entire company bad. And of couse, in this paragraph, I am only talking about the plans that we offer, from US companies. I can't really comment on the insurance plans from foreign companies (outside US) that we don't represent. If you have any further questions, please feel free to post them here or contact us at any time.

The first step would be to find out whether she had insurance or not. If so, did it provide the coverage in the US? Did she come here on visitors visa or visa waiver program? If on visitors visa, did you sponsor her visa? Did you sign any documents at the hospital assuming the responsbility of the bills? The insurance she had is no doubt invalid due the mistake she made on the application. She was here on vacation and had taken out holiday insurance. I provided my name and contact details at the hospital. I didn't sign to accept responsibility for payment. Plus, as I said, the hospital declined to discuss anything with me.