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Category Archives: Health

New Proposed Regulation Rule Bans People Applying for Green Card from Using Public Benefits

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According to the new regulation rule which was published on September 22, 2018, by the Department of Homeland Security (DHS), people who apply for a Green Card will have to prove their ability to provide for themselves. New immigrants cannot rely on public benefits anymore. The purpose of this rule is to protect American taxpayers.
The public benefits are federal, state, local, or tribal cash assistance for income maintenance, Temporary Assistance for Needy Families (TANF), Supplemental Security Income (SSI), Medicaid (with limited exceptions for Medicaid benefits paid for an “emergency medical condition,” and for certain disability services related to education), Medicare Part D Low Income Subsidy, the Supplemental Nutrition Assistance Program (SNAP, or food stamps), institutionalization for long-term care at government expense, Section 8 Housing Choice Voucher Program, Section 8 Project-Based Rental Assistance, and Public Housing.

There are some categories of people who won’t be affected by this new regulation rule. Such as by statute, asylees, refugees, and other categories of vulnerable individuals are not subject to the public charge ground of inadmissibility; aliens serving in active duty or in the Ready Reserve component of the U.S. Armed Forces, or the spouse or child of the service member. Additionally, DHS would not consider disaster relief, emergency medical assistance, benefits received by an alien’s U.S. citizen children, and Medicaid benefits received by children of U.S. citizens and potential adoptive children of U.S. citizens. Please click here to read more.

How can new immigrants protect themselves?

India Network Visitor’s Health Insurance is pleased to offer affordable health insurance coverage for every U.S. visitor, new immigrants, students, temporary workers, and Green Card holders.
We offer comprehensive plans, fixed-benefit plans, plans with full pre-existing condition coverage and more. Our plans are underwritten by US-based companies such as CHUBB and AXIS. We guarantee 100% payment rate for all eligible claims. Call us today at 408-540-3600 or go to our website to get a quote for visitor’s health insurance.

Does Visitor’s Health Insurance Give a 100% Coverage?

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Typically people think that visitor’s travel insurance give them 100% coverage and that they only will need to pay once for premium. Is it really the case?

What are the things every visitor might need to pay for?

  1. Premium – every visitor will have to pay for premium when they decide to purchase travel insurance unless somebody else will pay for it (e.g. job).
  2. Deductible – is the amount a visitor pays for health care services before an insurance company begins to pay. It’s common for travel insurance to have a certain deductible. Usually, a visitor will have a couple of options to choose from.
  3. Coinsurance – is visitor’s share of the cost for medical services. Typically it’s a percentage. Some plans have coinsurance, some do not.
  4. Copay – is a fixed amount which an insurance company wants a visitor to pay for every medical service a visitor gets.
  5. Out-of-pocket maximum – the post-deductible amount a visitor needs to reach in order to get 100% coverage for all covered services from an insurance company (typically for the rest of the calendar year).
  6. Cost for not covered services – many plans do not cover dental work, vision, medicine prescriptions, etc.

Those are extra expenses U.S. visitor might have besides deductible. It varies with every plan.

What will be the best plan to minimize extra expenses?

India Network Visitor’s Health Insurance is pleased to offer CHUBB Network plan for every U.S. visitor who wants to get the most comprehensive coverage with least out-of-pocket expenses.

CHUBB Network plan – is a comprehensive plan which pays 80% of the entire bill (up to the policy maximum) and a visitor pays only 20%. This plan also offers an option to take a full pre-existing conditions coverage where pre-existing conditions consider the same as new problems and coverage is extended to inpatient, outpatient care, etc. Emergency care, ambulance, medical evacuation and repatriation services are also included in the plan.

Please click here to get a quote for visitor’s insurance. Or call India Network Visitor’s Health Insurance today at 408-540-3600.

Get One Month Visitors Health Insurance for Free

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Celebrating 71 years Indian Independence Day, India Network Foundation wants to thank its members for their support throughout the years by providing ONE month free insurance to all visitors from India to the United States irrespective of their age (0-99 years) for all CHUBB plans. That promotion will help you to save up to $500.

“It’s 71 years Indian Independence Anniversary and we’d like to Thank You for your support to the India Network Foundation. I’m very proud of the work and impact on the community we were able to make over the past thirty years. We couldn’t have done it without you! Please help us to celebrate and enjoy this token of appreciation to our members – a free month visitors health insurance coverage for all CHUBB plans.” – said Dr. KV Rao, Founder President of India Network Foundation, USA. More details on the celebrations and application procedures can be found on the website at https://www.kvrao.org

Travelling to USA

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1. Public transportation is often very limited or not available at all in a lot of cities around USA. Roads can be very busy and difficult to navigate, especially if you don’t know English very well. That’s why you need to decide in advance how you’re going to travel in USA and maybe rent a car with good navigation system.
2. Make sure to have a valid credit/debit card. It’s the most popular way of making purchases and payments in USA.
3. Don’t use your cell phone. If you want to save money, you can buy local prepaid cellphone plan or use public Wi-Fi.
4. Be ready to give tips in restaurants, hotels, SPA, etc. If you’re going to pay with a credit card, you’ll need to write the amount of tip you would like to give on the credit card receipt and add it to the total number on the receipt.
5. USA uses a different measure system - distance in miles, temperature in Fahrenheit, weight in pounds, and height in feet.
6. USA is a country with one of the most expensive prices for medical services and if you get sick here, it might cost you thousands of dollars. Please buy visitor insurance before you leave your home country. Here you can quote and apply for visitor health insurance plans provided by India Network Services.
7. Don’t be surprised to pay more than you see on a store tag because of sales tax. It’s varies depending on what you’re going to buy.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Go to this page to quote and apple for visitor insurance plans provided by India Network Services.

Celebrating Educational Exchange Between India and the United States

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Today marks U.S. Mission India’s fourth annual Student Visa Day, an event that celebrates higher education ties between India and the United States.  The Mission dedicates this day to helping qualified Indian students prepare for their studies in the United States and connects them with EducationUSA for pre-departure information.

The U.S. Embassy in New Delhi, and Consulates General in Chennai, Hyderabad, Kolkata, and Mumbai, welcomed more than 4,000 Indian students applying for visas to study in the United States.  Deputy Chief of Mission (DCM) MaryKay Carlson in New Delhi and Consuls General throughout India congratulated the day’s applicants as they joined the growing ranks of Indian students who choose to study in the United States at the world’s leading academic institutions.

In 2017, more than 186,000 Indian students enrolled in U.S. institutions of higher education; more than double the number of students from a decade ago, and a 12-percent increase from 2016.  India is the second-leading place of origin for students coming to the United States; Indians represent over 17 percent of the total international student population in the United States.

“International educational exchange plays a central role in the U.S.-India relationship.  Student exchanges between our two countries help strengthen the foundation upon which our strategic partnership is built,” remarked DCM Carlson.

The U.S. Embassy and Consulates General welcomed Student Visa Day applicants with an informative and celebratory atmosphere.  Consular staff members wore shirts and hats from their own alma maters.  Some consulates invited guest alumni speakers, while others had a video or “selfie” station.  Representatives from partners – including EducationUSA and the American Library – and recent U.S. graduates shared insights and answered students’ questions about life studying in the United States.

The source: U.S Embassy and Consulates Services in India.

When you go outside of India to USA or Canada on a business trip, to visit your loved ones or just to see new country, always remember to purchase visitor health insurance which will protect you from having unexpected medical bills and give you confidence during your trip.

Please visit this page to get a quote for Visitor Health Insurance Plans offered by India Network Services.

USA is very popular destination among foreign students from India and other countries. They have to know how important it is to have a proper Visitor Health Insurance. Please go to this website to learn your options.

Travel Advisory

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If you’re going to USA this summer, you will need to follow these steps:

1. Get visitor health insurance. It’s extremely important to get a proper coverage for Visitor Health Insurance. Medical bills in the US can be thousands of dollars. Here you can learn more about Visitors Health Insurance Plans offered by India Network Services.
2. Make sure your credit card will work in USA. If not, get enough cash or travel vouchers. Also let your bank know that you’re going to use your credit card abroad.
3. Pack smart - don’t bring things you’re not going to use during your trip. Don’t forget to put a tag with your name, address and phone number on your luggage.
4. Pay your upcoming bills before you leave or ask your family members or friends to pay it for you or set up payment online.
5. Get a passport. If you already have one, make sure it’s current. Also you need to make a copy of your passport in case you lose it.
6. Check visa requirements for USA. You might need to apply for a visa in advance or you might not need a visa at all.
7. Get all the medications you need and if you have any pre-existing conditions, you should visit your doctor and ask for recommendations regards to your trip.
8. Enjoy your trip!

Planning a vacation or visiting grandchildren in the United States is always exciting. However whether you are going to see family and friends, starting a new job, going to school, or on a trip, having a good visitor health insurance is the most important thing you can do for yourself and your loved ones. Some people may argue that they are healthy or their medical conditions are under control, but the reality is, anything can happen. While having fun, you could get into accidents or catch cold by simply sitting next to a sick person. Diabetes and high blood pressure are universal problems that most elderly visitors from India and other countries are facing, and they are all pre-existing conditions that could lead to other health complications.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

For more information please visit https://www.kvrao.org

Your Payment Options when You Buy Visitor Health Insurance

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Can I purchase visitor health insurance from India Network Services if I am not Indian origin?

Yes, you can buy our visitor insurance plans as long as you’re a member of India Network Foundation. You can became a member by filling out the membership form and paying the membership fee ($10 annually). Let us tell you a little bit about India Network Foundation.
India Network Accident and Sickness Insurance is sponsored by the India Network Foundation, a U.S. based non-profit organization founded to serve the Asian Indian community around the World, and Researchers and Scholars interested in learning about India. Started as the first internet resource for India related news and events in 1988, the INF has established itself as the First and foremost resource on India and India related issues. The travel medical insurance plans, specially developed by Dr. K.V. Rao for visitors, students, and temporary workers (available formally since 1994) in the United States, Canada and Mexico and their families has been acclaimed as “best-in-class” and set the standards for coverage. All Visa holders and their families are eligible to take advantage of the plans.

How can I pay for visitor health insurance plans provided by India Network Services? Do I need to be physically in the United States?

You can pay for your visitor insurance (which covers you while you are visiting USA) coverage premiums, from anywhere in the world as long as you have a credit card which allows you to make international purchases.

Please if you have any questions about our visitor insurance plans, feel free to leave a comment here or give us a call at 408-540-3600.

Also we would like to let you know that our live chat works for you from 9 a.m. to 10 p.m. EST.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Please visit this page to get a quote for Visitor Health Insurance plans offered by India Network Services.

Things You Might Want To Consider About Visitor Health Insurance

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The story #1: A visitor came to the U.S. to spend time with his grandchildren but he decided do not spend money for visitor health insurance. His trip was great, he had good time with children and grandchildren, enjoyed being in a new country and everything went smooth till he got on the airplane to go back home to India. On the airplane all of a sudden he felt dizzy and fainted. Immediately he was taken to the ER where doctors discovered that he already had a life threaten disease and needed to have a surgery and some serious treatments right away. For all of that procedures the medical bills would be hundreds of thousands of dollars if not more. That night we got a call from the visitor’s son who wanted to buy a visitor health insurance right away to cover all the expenses.

The story #2: A visitor from India came to the U.S.  to spend time with his children. Before that trip every once in a while he had some problems with his heart but he never payed serious attention to that. He did not buy a visitor health insurance. In the middle of his trip he started feeling sick and needed to go to the hospital right away where a couple of hours later he had open heart surgery. Right after the surgery his son also called us and wanted to get visitor health insurance right away.

Of course, we could not sell the insurance coverage to any of these people and all the hospital bills are going to be their responsibility. That’s why there are a couple of things every visitor should know about visitor health insurance before coming to USA:

1. A coverage starts in 24 hours after the purchase and if you’re ALREADY experiencing any symptoms of sickness, you shouldn’t buy the insurance. That WOULD NOT be covered.

2. We ONLY cover new sickness and accidents and pre-existing conditions (ONLY if you purchase a special pre-existing coverage) if you buy insurance coverage at least 24 hour before visitor arrives to USA or sublet to approval.

3. We DO NOT cover medical tourism. If you plan to get medical help in USA, you should be able to pay for it on your own.

4. If you sponsor your parents or relatives to come to USA from India, you might be responsible for ALL MEDICAL BILLS they might have.

Please visit this page to get a quote of Visitor Health Insurance plans offered by India Network Services.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Our advice to every visitor or who sponsors their parents, in-laws and relatives – PLEASE buy a visitor health insurance before you come to USA. India Network Services are happy to offer basic health coverage starting from less than a dollar a day (please read the program details here). However we also highly recommend to every visitor in 50+ age group and to everybody who wants to be on the safe side is always buy visitor health insurance with pre-existing condition coverage such as CHUBB Network plan and CHUBB Premier plan.

Options Healthy Person Without Pre-Existing Conditions

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Our advice to every visitor in 50+ age group and to everybody who wants to be on the safe side is always buy visitor health insurance with pre-existing condition coverage such as CHUBB Network plan and CHUBB Premier plan. Always remember that anything can happen in life and sometimes you might have pre-existing conditions without even realizing that. If that is the case, an insurance company won’t pay for any of your medical bills if your sickness was caused by pre-existing condition.

If you are young, healthy without any pre-existing conditions (such as high blood pressure, diabetes, heart, asthma, urinary tract infection, etc.) and you want to save money on visitor health insurance, we’re happy to offer you the following visitor insurance plans:

1. CHUBB Standard Visitor Insurance:

This is a fixed benefit plan covering new medical conditions, and accidents and no pre-ex coverage. It offers $50,000, $100,000 and $150,000 policy maximum with a choice of deductible of $75, $250 and $500 (only for ages 70+) based on age groups. There are no network benefits under this plan and you can go to any provider you like and the plan will pay fixed amounts.

2. AXIS BasicCare Visitor Health Insurance:

This Visitor Health Insurance Plan is available with $25,000, $50,00, $75,000 and $100,000 maximum coverage with $100 deductible options. This is a Fixed Benefits program with access to First Health PPO providers. AXIS BasicCare insurance comes with Accidental Death Benefit, Medical Evacuation, and Repatriation benefits. Also includes access to a US telemedicine physician network through Teladoc.

Both of these visitor insurance plans provide programs that offer value for the money to anyone looking for good visitor health insurance coverage and willing to take higher responsibility for out of pocket costs.

Please visit this page to get a quote of Visitor Health Insurance plans offered by India Network Services.

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups (0-99 years old) with both fixed coverage, comprehensive coverage and with or without pre-existing condition coverage.

Special Plans For Senior People With Pre-Existing Conditions Coming to USA

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It is very difficult to find a suitable visitor health insurance plan for visitors over 65 years old. Life Expectancy in India is about 68 years making many insurance companies nervous in offering any health insurance cover for visitors traveling from India. India Network Foundation is pleased to step in and provide coverage for all ages up to 99 years. The senior coverage offered include accident and sickness coverage in addition to covering pre-existing conditions such as diabetes, blood pressure, etc. Two kinds of plans are available – fixed benefit plan and a comprehensive plan. More information on the plans and premiums can be found at https://www.kvrao.org

India Network Foundation is pleased to announce visitor health insurance programs and plan options for senior visitors coming to the USA in 2018. India Network Foundation is a non-profit organization with more than 30 years of experience in helping foreign visitors to the United States through sponsorship of various visitor health insurance plans. The visitor medical insurance plans offer affordable health insurance for all age groups of visitors (0 – 99 years old) irrespective of their health conditions. Coverage is available for pre-existing conditions through American insurance companies and all claim processing is carried out in the United States. Every year, thousands of families benefit from India Network Visitor Health Insurance plans that facilitate visits from parents and grandparents from around the world to the USA.

“India Network Visitor Health Insurance advises every parent coming to USA for family reunion, spend time with grandchildren, tourism, or vacation to take advantage of cost effective and reliable health insurance that covers pre-existing conditions such as CHUBB Network, CHUBB Premier and AXIS plans. Recent analysis of claims data shows that majority of high volume and high dollar value claims are originating from pre-existing conditions. An insurance policy without pre-existing coverage is limited to accidents and new problems and is often no use to elderly parents.

Dr. KV Rao, Founder and President said that “pre-existing coverage definition vary across plans, some limiting pre-existing coverage to acute onset, which is not really useful to visitors from India. India Network plans are the only ones in the US that cover pre-existing and new problems in the same way and assure peace of mind”.

About India Network Health Insurance

India Network Services is a US-based company that administers visitor health insurance to tourists, students, temporary workers and their families. Visitor medical plans are offered for all age groups with both fixed coverage, comprehensive coverage and with pre-existing condition coverage.

For more information please visit https://www.kvrao.org