Full Pre-Existing Insurance for Visitors for Parents Visiting to USA
Full Pre-Existing Insurance for Visitors is a short term visitor accident & sickness insurance which covers all pre-existing conditions. INF is the only provider of this unique pre existing condition coverage. Pre existing medical conditions afflict hundreds of millions of people. In an article by Science Daily, research found the Asian Indians have some of the highest incidences of Type II Diabetes in the World. Diabetes related issues can be exacerbated by international travel.
Most Insurance for Visitors plans only cover for an acute onset of pre existing conditions. This means your visitor is only covered for major incidents related to pre-existing issues. However, most insurance companies have terms and conditions in their policies which allow them to not pay out any claims, If you enroll your visiting parents in coverage for acute onset of pre existing conditions- you are risking their health and your wealth.
A study of INF claims data found the most frequently cited complications due to diabetes in visitors traveling to USA were: lightheadedness, hypoglycemia (low blood sugar), and diabetic neuropathy. None of these conditions can be considered acute onset because non of these will qualify as life & death, emergency scenarios. Acute onset of pre-existing condition plans will say those issues are "the worsening of a pre-existing condition," and deny your claims.
If you want peace of mind, you should enroll your visitor in the INF Full Pre-Existing visitors accident & sickness insurance option. There is a health Insurance for Visitors with pre-existing conditions. Full pre-existing Insurance for Visitors will cover any complications related to diabetes, heart issues, blood pressure, kidney problems. Any and every complication related to a pre-existing medical condition is covered by INF, as per the policy. Visitors coverage for pre existing does exist.
Common Questions about Full Pre-Existing Insurance for Visitors
What is a pre-existing condition?
A pre-existing condition is any medical condition which:
(1) first manifested itself, worsened, became acute, or exhibited symptoms that would have caused a person to seek diagnosis, care, or treatment,
(2) required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription or
(3) was treated by a Doctor or treatment had been recommended by a Doctor,
before the policy effective date.
Does INF Insurance for Visitors cover diabetes for visitors to USA?
Yes. INF will cover diabetes related complications regardless if they are acute onset of pre-existing conditions or not. You can seek out-patient care for you visitor, including neurologist and urologists specialist care for diabetes related issues.
How does INF determine what a pre-existing condition is for my visitor?
INF does not make any determination on whether your visitor has a pre-existing condition or not. We do not ask for medical records or any other type of supporting documentation when you enroll in the plan. Rather, the determination of made by the attending physician.
The physician looks the the patients health history, the biological indicators, and the observation of the patient. The physician then write all these notes into someone called a "Clinical Doctors Note" which is sent to the claims office. In the note, they will write if your visitor had a pre-existing issue, and how it affect their current health status.
Does full pre-existing Insurance for Visitors cover heart attack or stoke?
Yes. INF Elite & INF Premier plan both will cover for any heart or cardiac related complication. These would be covered incidents as per the policy. INF Elite is best suited for visitors at risk of experiencing heart related complication during their travel, since it provides the only comprehensive full pre-existing Insurance for Visitors in the market today.
Why don't other visitor medical insurance providers offer full pre-existing coverage?
All insurance companies have the same experience data. We all insure the same people, and we know the sicknesses that visitors to USA experience. The other companies want to make more money off of unsuspecting individuals who don't know any better.
Most people who enroll in a Insurance for Visitors plan are not US Citizens and only stay a short time in the USA. This is why insurance companies can blatantly deny claims- because they know the visitor will not fight to appeal the claim.
That being said- several insurance providers have been sued in the past for misrepresenting pre-existing coverage to their clients. The reason you have to sue these insurance companies is because they are not regulated by the United States.
These companies are called "Non-Admitted Carriers," and do not have to follow the same rules as INF. Non-Admitted Carriers are not regulated by your states insurance authority, and thus can operate with impunity to the law.
You always take a high risk when you gamble with your visitors health by enrolling them in an acute onset of pre-existing conditions plan. These plans do not pay claims. That's a gaurantee.
Full Pre-Existing Insurance for Visitors Plans
INF Elite Network Plan
The INF Premier is our flagship fixed-benefit visitor accident & sickness insurance plan. This is the best fixed-benefit plan in the market today. The Premier plan covers all pre-existing conditions. Full Pre-Existing coverage differs from Acute Onset Coverage in that Full Pre-Existing covers all out-patient care, such as doctors visits, urgent care visits, and specialist treatments.
For example, you experience lightheadedness and goes for a doctors visit. The doctor orders blood work to be done. It is determined the lightheadedness was due to diabetes. For all other insurance plans you will be stuck paying the bill, which is on average $427.00 . With the INF Premier Plan- you will be covered for the doctors visit & the blood work related to the incident.
The Premier Plan also comes with Careington POS Discount Card- which provides Dental, Vision, Prescription, & Hearing Discount Coverage. We provide this discount card (a $40 value) for free to all members!