Hello Again,
1. What is meant by remark ? : With purchase of "Heart Care Plus" rider provides $2,500 in event of heart attack or stroke even if due to a pre-existing condition.
2. I, an Indian Citizen, am diabetic and hyper Tension. I take medicines for both, and both are under good control. I have also Permanent Implanted Pace make (Medtronic, US make) since last 5 years.
Please inform me what exact illness and circumstances are not covered / fully covered in both Insurance policies offered (a) Visitors care - Heart care Plus and (b) Patriot Platinum Comprehensive
3. What is the exact difference between the two policies ?
4. Is a visit to medical doctor in US covered under Heart Care Plus policy?
5. If any blood tests are carried out in US, will they be covered under Policy?
Thanks,
Hi! I chatted with Amit earlier today and am sending this to both of you in response. It looks like a colleague did respond to Nalin, but on a different email address, so I will try this one. Please see answers beneath your questions:
1. What is meant by remark ? : With purchase of "Heart Care Plus" rider provides $2,500 in event of heart attack or stroke even if due to a pre-existing condition.
The "Heart Care Plus" is a rider for which you pay extra on the policy.
It covers only $2,500 in the event of a heart attack or stroke. As I explained to Amit, this would NOT cover any emergency needs arising from diabetes or other pre-existing condition.
2. I, an Indian Citizen, am diabetic and hyper Tension. I take medicines for both, and both are under good control. I have also Permanent Implanted Pace make (Medtronic, US make) since last 5 years.
Please inform me what exact illness and circumstances are not covered / fully covered in both Insurance policies offered (a)
Visitors care - Heart care Plus and (b)
Patriot Platinum Comprehensive
As mentioned above, the Visitor's Care plan WITH the Heart Care plus only covers $2,500 in the event of heart attack or stroke. The Patriot Platinum plan also covers only $2,500 for any pre-existing condition. So this amount would be available for any emergency due to any pre-existing condition.
3. What is the exact difference between the two policies ?
The
Visitor's care is a fixed plan and the
Patriot Platinum is comprehensive. Please see the links to the brochures (below) for details.
4. Is a visit to medical doctor in US covered under Heart Care Plus policy?
Doctor visits if you are sick are covered by either plan. The Visitor's Care policy only pays $85 for doctor visit (subject to deductible). The Patriot plan would cover it subject to deductible and coinsurance (10 or 20% of the first $5,000 in expenses).
5. If any blood tests are carried out in US, will they be covered under Policy?
Any blood tests, X-rays, procedures would be covered for any covered illness as prescribed by a doctor. The Visitor's Care plan is subject to individual medical expense limits (see brochure for details), where the Patriot plan is always only subject to one time deductible and one time coinsurance.
Here are links for the brochures and links to purchase and/or get a free quote on the policies:
Plan Details
Brochure
Buy Now
Plan Details
Brochure
Buy Now
You can get all information about
Patriot Platinum plan by reading the plan
brochure and
Patriot Platinum insurance policy online..
Since both plans are offered by the same insurance company, they use the same PPO. Note that you are not required to use the PPO, but get some direct and indirect benefits from using it (the coinsurance is only 10% if the PPO is used, but 20% outside it; indirectly get benefit of negotiated pricing).
To search for providers in their PPO network:
imglobal ppo network
I hope I have been able to answer your questions and provide you with enough information to make your decision. Do let us know if you have further questions or concerns. It will be our pleasure to assist you.
Feel free to contact us in case of any questions or concerns.
Regards,
www.americanvisitorinsurance.com
Customer care
877 340 7910