1.
As long as they are in the same age group, the price when you renew the insurance will be the same.

In case of early departure, as long as no claims have been submitted since the effective date, you will get the refund for pro-rated duration minus $25 cancellation fee.

2. It includes up to the policy maximum for injury to teeth in an accident and up to $100 for acute pain to sound and natural teeth.

For any practical dental coverage, I recommend you get CAREINGTON dental plan, available at http://www.buyamericaninsurance.com/health/dental/index.jsp It is $12/month for couple (or single) and there is one time application fee of $20.

3. Prescription for regular diabetic supplies etc. are NOT covered under any plan from any company. Insurance company will pay for prescription drugs if they are needed for any new medical conditions, injuries or accidents that may occur after the effective date of the policy.

4. No, it does not cover only in one state. These plans are meant for tourists and they are supposed to roam around the country.
Exception: Only if you start living in Florida, you are not eligible to purchase. But visiting Florida is no problem. There is no issue with any other states.

Please feel free to contact us at any time if you have any other questions.

Hi Mr Khatri,

My parents -dad age71 and mom aged 62 are visiting for 6 months from June 30th 2008 to Dec 30 2008.
My dad has diabetes (mild) well controlled on meds and my mom has no medical problems.
I am planning to buy Patriot america for 100,000/- for each of them.
1)I am planning to buy for 3 months initially in case they plan to return early. is there any price difference if get for 3 months are renew later?

2)I would also like dental coverage? is it included if not what plan is recommended?

3)When you say prescription meds are covered with the plan ,if i have a prescription for regular diabetic meds from US physician ,would it covered by the plan?

4)Does the insurance cover only within the state mentioned.I hope it is all over US?

Umesh,

There is no one plan suitable for everyone.

Please call us at (866) INSU-BUY so that we can go over different things with you and suggest you the most suitable plan.

My parents are travelling to USA on Jun 30 2008 till Dec 08 2008. Their age is 57 years and 53 years. They do not have any major surgeroy / illness. Could you please suggest me the best and cheap insurance?

Deepak,

I will give you a different perspective on ICICI issue. I have about 100 plus ex-students who work for different ICICI group companies (home loan, car loan, Mutual Fund, Bank, General Insurance, Life Insurance etc.) Many of them meet me once in a while. Their common compaint: there is so much pressure from the top to increase the customers that "Sales" take up 99.9% of their time. They are working till 9 in the night to generate new sales and beyound that they dont have the time and energy to solve any "customer service" issue. Even if they try to help some harrased customer and call up their Regional or Head Office for help in service, the guys their are themselves so worked up that they say screw this customer and instead find five new fools.

I have noticed one common thing in all the interviews of Chariman Kamath - he alwasy says that we won't be number one on all the businesses that we operate in "car finance/home finance/general insurance/health insurance/bank/mutual fund etc" but in no interview he has spoken about "Quality of Service" which is very surprising considering they are in service sector
So now you guys know the root cause: it all flows from the top.

When my boss is ONLY intersted in knowing how many new customers (fools) I added, instead of how many customers complaints I solved , its any body's guess what will I foucs on. I hope this solves the whole mystry about ICICI's services. One of my ex-student who is now with ICICI Bank came to me this morning and was almost in tears when he told me that last year he added 25,000 salary account for the bank and the target given to him for next year is 90,000. Can you guess if I will open an account with him ????

Deepak,

You are not alone. I wish to inform you that what ICICI Lombard does is no accident but carefully calculated ploy to cheat its customers.I purchased a home insurance plan from them against fire,burglary and earthquake.Subsequently,I asked them for third party cover for my car.They refused to quote.Hence I had to approach New India Assurance. At the time the house policy became due for renewal,I asked for a competetive bid from New India.They got back to me with a premium of less than half the amount quoted by ICICI Lombard.When,I asked ICICI about it,to my surprise they agreed to match the New India quote.This clearly shows that they just want to write a policy and have no intention to pay when the liability arises.You can ask your company not to renew the policy with ICICI lombard in your and other colleagues interest.

I want to mention on this blog about a bad ICICI Lombard health insurance experience. Our company has a group policy that covers health of all individuals, and we have always had a maternity cover also.
Before my child was born I had our HR executive called up the executive that sold us this insurance and confirmed that maternity was covered, and he said it was. Still not convinced I read through the policy which had it in the "endorsements" section. Assuming that yes, this endorsement is in our policy, we went ahead with the room selection etc. for the hospital.

When my son was born I submitted the form for a "cashless" claim, and the Third Party Adminstrator (TPA) rejected the claim, saying maternity was not covered. I then called up the ICICI Lombard executive who still maintained that it was. Angry with the TPA, I called and gave them a piece of my mind. To their credit they listened to me patiently and told me that the policy did not have the maternity endorsement.

I then paid up at the hospital and a few days later when I reached the office, checked the copy of the policy document. Guess what. The front page is a printed cover that mentions our office name, address and number of employees covered. There's a section for "endorsements" which was empty. Then there was a pre-printed set of terms and conditions which specifically rules out maternity unless endorsement E2 is applicable. Endorsement E2 - the maternity endorsement - is also printed later.

Well, it turns out that "Endorsement E2 is applicable" must be printed on the front page, otherwise the endorsement is not valid. This is weird. If I have a policy document in which the endorsement is present, it is not enough. The fact that the endorsement is VALID should be printed somewhere else? How is anyone supposed to know this? Even in my LIC policy only those endorsements are listed which apply to me! Why can't ICICI Lombard give us a group policy document that contains only those endorsements that apply to us, especially when we pay a ton more of premium?

Of course, their stand is all legal. And it is my stupidity that I did not get a court approval before I went to the hospital. But I think this was a way to trick us, because the document is worded in a way that makes me believe that the endorsement is applicable, but when you try to claim it is not. Further the maternity benefit was there in earlier years, and during renewal they removed it and we were dumb for trusting them. Still, that is a standard trick and now I am smarter, and I hope you are too.

What is inexcusable was ICICI Lombard's procedure to handle the claim. I didn't hear one apology from anyone; everyone we called insisted that the maternity claim was valid and that they would call us back but they never did. And the TPA was actually more helpful than ICICI's executives. Even to the end, there was just a blame game going on at ICICI and then I gave up.

ICICI Lombard executives came to my office yesterday to renew our building insurance. I have cancelled every single insurance we hold with them and am getting quotes from others. It is unlikely that I will ever use their services again.

Shadab,

You can consider purchasing Patriot America, available at http://www.buyamericaninsurance.com/img/patriotamerica.jsp

Insurance company will pay for any new medical conditions, injuries or accidents that may occur after the effective date of the policy. It will not cover any pre-existing conditions.

Read more at http://www.buyamericaninsurance.com/guide/faq/pre-existing-conditions-visitor-medical-insurance.jsp

Please feel free to contact us at (866) INSU-BUY at any time if you any other questions.

Hi,
My father is a heart patient and my mom is a BP patient. They are in India and are visiting me here in USA. Could you please suggest me which insurance I should buy for them ? I am planning to buy a comprehensive plan for them spanning 3 months and 15 days duration.

Thanks,
Shadab.

Aditya,

Please note that if she is already pregnant, there is no insurance plan from any company anywhere that would cover maternity/delivery expenses.

However, please look at Atlas America that would cover only the complications of pregnancy for first 26 weeks of pregnancy. Nothing related to routine care or maternity.

Atlas America is available at http://www.buyamericaninsurance.com/mnui/atlasamerica.jsp

If you have any questions, please feel free to contact us at any time.