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Dear Mr. Shah, For the persons above the age of 55 years old, ICICI is definitely a fixed coverage plan. They have not mentioned it in their brochure. However, please look into the policy wording on page 3 in the section called 'Special Conditions' and read #2. It clearly mentions that. You will see the sublimits just like Visitors Care and Inbound USA. Comparing ICICI with comprehensive coverage plans would not be apples to apples comparison. If some product is significantly cheaper than many others, there is usually more than what you readily see. That is why you have to examine everything more carefully. Anyway, it is always better to buy the insurance from the U.S. based company. Please read /visitors-insurance-usa-india-comparison/ to find out more details about buying from US v India. Please examine each aspect and verify it yourself and rather than just taking someone's word for it. Please trust that companies that offer comprehensive plans in the U.S. would not charge 3 times more money for no reason because no one would buy them if that were really the case. I hope that answers your questions. If you have any further questions, please feel free to contact us at any time. Thanks much for prompt reply and advise. Sorry, I didn't attend to it sooner as I was busy. I udnerstand that ICICI's plan is no way comprehensive plan. They have sub-limits. And my parents are also 56+. Still, here is the comparision I made between Visitors care plan with USD 50,000 limit and ICICI lombard's plan for someone who is 56+. Benefit Vi.Ca. ICICI Which is better? ------------------------------------------------------ Room: 1400 1600 ICICI ICU: 2K 3K ICICI surgical: 3300 12K ICICI Anaesthetist: 25% 25% SAME Pre-admission test: 1100 750 Visitors Private Duty nurse: 550 --- ?? Physicial visit: 55*30 75*10 ICICI (Provided 10+ visits are not required) Diagnostic xray: 800 prescriptions: 250 --- ICICI Ambulance: 450 500 ICICI Moreover, 1. They say there is not specific limit on prescription. If true, this is a big plus point, compare to mere $250 prescription benefit with Visitors Care. 2. There is a PERSONAL LIABILITY coverage with ICICI. This can be used as a liablity insurance for driving car. I am no way an ICICI agent/broker or any way affiliated to ICICI. I am just intrested in buying insurance for my parents who are coming here next week. It seems that ICICI offers (or promise to offer) a lot. But from the past experiences of other customers, I still feel to go for Visitors Care insurance, mostly because I don't want to send documents to India and wait for them to process. I would prefer cashless payment. I have these questions about - Visitors care 1. How to claim - Is it cashless? 2. Is there any network discount / or network at all ? 3. Will I get ID cards? What document can traveler carry to show at POE (just in case officer ask abt insurance)? 4. I am plannign to buy policy for my father and mother. Are both the policy completely independent or grouped together in anyway? 5. I am planning to go for plan A, with 25000 max benefit. Is the limit of 25,000 per person? Can you please give your contact number, or call me at 908-671-1112? Dear Mr. Shah, There is really no apples to apples comparison, when you buy the insurance from India. Please read /visitors-insurance-usa-india-comparison/ to understand more details about the differences in buying from US vs India. Simply comparing the benefit limits is not the right comparison as there are many other things beyond that. 1 & 2. Read /international-medical-ppo-network/ 3. Yes, you will get the ID cards, both by email and by postal mail. Additionally, you can download the documents at any time from our current clients section at /myaccount/ 4. Everything is per person. 5. Yes, it is per person. My phone number is (866) INSU-BUY. You can talk to anyone in our office. Everyone that answers the phone call is a licensed insurance representative. Specifically, my extension is 112. If you have any other questions, please feel free to contact us at any time.

Heart attack can be caused by a variety of reasons. Just because you have blood pressure, it does not mean that the heart attack is automatically considered as pre-existing condition. At that same time, just because the person never had the heart attack, it does not mean that heart attack will be covered automatically. It all depends upon the individual case. The claims department will determine based on the attending physician statement and the medical records, whether something is a pre-existing condition or not. Liaison Majestic provides a $200 per night for every night spent in the hospital due to heart attack or stroke that is due to pre-existing conditions, max $3,000. There are no network negotiated fees for the rest of the expenses, as $200/night is given just as indemnity and not processed as a claim. Other than that, Liaison Majestic has policy max of $60,000 while Patriot Platinum America has policy max of $100,000. After deductible, Liaison Majestic is 90/10 for first $5,000 then 100% up to policy max. Patriot Platinum America has 100% up to policy max after the deductible. Therefore, I believe that Patriot Platinum America overall provides much more coverage than Liaison Majestic for new medical conditions, based on the policy max and the coinsurance. Therefore, I would recommend you to buy Patriot Platinum America. However, as you now know the exact pros and cons of each plan, you make a better educated decision. If you have any further questions, please feel free to post them here or contact us at any time.

What state are you located? Whose fault was it to cause the car crash? Accident took place in Ohio, my car is registered in MI. I have recently moved in Wisconsin and had got this policy. but my wife is still living in MI. So i am not sure which state rules will apply. We had lost control of the car, but we were within the speed limit. there was no other car involved in this accident. Was there any other vehicle involved? In other words, did you cause the accident or was there any other party involved? Who car insurance company are you talking to? Please provide complete information. As I said we lost control of the car, no there was no other car involved. I am currently talking to my auto insurance only. Since I am currently in WI my policy is written here, but my car was registered in MI. I want to understand wats the role of IMG would be. Will they be be primary insurance provider or secondary and on what basis will they be covering the expenses. Thanks so much! IMG insurance is secondary, for sure. Look at /visitors-care/visitor-medical-insurance/ Look under the 'Conditions of Coverage' section and read item #2. Therefore, I suggest that you first file a claim with your auto insurance and then for remaining amount, file a claim with IMG. Regarding how your auto insurance works, please contact them.

How old are they? Dad 62 & Mom 55 Even for the healthy persons, it is always better to buy the comprehensive coverage plans. That is because in most plans, what is covered is essentially the same, but how much is covered is the difference. Please read /visitors-insurance/ to understand the difference between fixed vs comprehensive coverage. If you would still like to buy the fixed coverage plan, coming back to your original question: In all the visitors insurance plans, you can always go to any doctor or hospital you like as there is no restriction. However, for the plans that participate in the PPO network, there is a list of doctors and the hospitals that readily recognize the PPO network. Therefore, if you visit them, they are much more likely to bill the insurance company directly. Additionally, when you go to the providers in the PPO network, they would charge you the network negotiated fees, rather than their full fees. That is called "PPO discount". This normally happens in the most comprehensive coverage plans. However, in case of fixed coverage plan Visitors Care, as the insurance company pays only a fixed maximum amount and not based on the actual charges, there is no incentive for them to negotiate the charges. Therefore, in Visitors Care, there are no network negotiated fees. In other words, whether you go in network or out of network, the coverage is the same. The only advantage you get within PPO network is that they are more likely to bill directly. In case of Inbound USA, there is no PPO network and therefore there is no question of network negotiated fees. You get a health insurance card that has all the information that the providers will need to bill directly. However, there is no directory specifying who is doing it and who is not doing it. Therefore, it is up to the individual provider whether to bill directly or not. I hope that answers your questions. If you have any further questions, please feel free to post them here or contact us at any time.

Atlas America: If you are under age 70, you are covered for an Acute Onset of a Pre-existing Condition. Coverage is available up to $15,000 lifetime maximum for eligible medical expenses and up to $25,000 lifetime maximum for Emergency Medical Evacuation. An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence. So will the scenarios mentioned above be covered as part of the pre-existing conditions in this plan? Whether a particular condition is an acute onset of pre-existing condition or not can be answered in advance of it happening. That is because it all depends upon the specifics of the case and it is determined based on the medical records and the attending physician's report. Those documents will only be available after it has already happened. Therefore, in two very similar looking cases, the outcome may be totally different. Therefore, it is not possible for anyone to say yes or no for hypothetical scenarios.

1. He will be covered for acute onset of pre-existing conditions as long as he below the age of 70 years. 2. Only once. 3. As long as no claims have been submitted since the original effective date, you will get the refund for pro-rated duration minus $25 cancellation fee. 4. No. 5. When go to ER, there are two charges: room charge and the treatment charge. When you go to ER for a sickness for which you are not admitted, the room charge is not covered. However, the treatment charge is covered, as long as it is a covered expense. I hope this answers your questions. If you have any further questions, please feel free to post them here or contact us at any time. Otherwise, you can buy the insurance online on this web site itself. Thanks a lot! Can I renew Atlas America online? Yes, in our current clients section at /myaccount/