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 I would appreciate if anyone could share information about medical insurance providers in the US for visitors. I understand that most visitors take insurance with service providers in India, however I am looking for suggestions whether it is advisable to take medical insurance coverage in the US or with an insurance company in India, their related benefits. Please share names of service providers in India and US who are offering very good coverage and services. Response from a friend -- I have never used cholamandalam insurance before. I have heard good things about Bajaj Allianz. I heard that they even pay for dental problems, which I think is great. I am sure there is a clause in there about pre-existing conditions, so one can't get a cavity refilled :-) Anyway, I have used SRI Insurance before. My mom had to go to the doc for something and they did thyroid tests, along with a million other tests as part of the diagnosis and the thyroid test came out hypothyroid. So, the doc said my mom's joint pains are due to low thyroid and SRI refused to pay saying hypothyroidism is a pre-existing condition. I had to get all kinds of paper work from India to show them that my mom was never treated for hypothyroidism before. SRI eventually paid for all the claims. I bought SRI insurance b'coz a friend of mine uses the same insurance every time her mom comes here. They live in bay area. Her mom had shoulder pain and she had to get some kind of steroid shots, physical therapy etc., and SRI paid without any complaints. I think her mom had to go to a doc during her second visit also (either SRI doesn't keep records of visitors who bought their insurance or they didn't consider the shoulder pain issue a pre-existing condition, even though they paid for it the year before) Another friend of mine uses insurance that's offered by India Health network time and again. Her father has diabetes, high BP etc., and the first they came here he had serious health issues and had to go through a lot of tests etc., and they suggested that he get a bypass surgery done (which they did after going back to India ).India Health Network didn't think his condition was pre-existing, I guess, b'coz they paid for all the tests too. Giving you all this info, so you can get an idea. Make sure that 1. your parents go for a physical check up that would test for BP, diabetes, thyroid etc., and get the records here. 2. Get a letter from your doctor back home that says your parents do not have any pre-existing conditions. 3. Get your parents to sign the paper that gives you authority to talk to the doctor's office, to get the medical records released to you etc. It always helps to have all these in hand when you are haggling with insurance agents regarding your claims. Posted by IndianMe Browse All Discussion » |
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