We hear this question all the time. The Standard plans without Pre-existing condition coverage offered by India Network (or any other vendor on internet) do NOT cover major illnesses that elderly Indian parents are likely to face during their stay in the United States. India Network Health Insurance is the only plan that explicitly tell policy holders ahead of purchasing the plans because India Network wants you to be covered adequately.
Our plans with pre-existing conditions are exclusively designed to handle those emergencies (such as heart attack, stroke, etc.) without questions, so that your visitor is covered if a medical emergency happens. Only India Network Plans with pre-existing conditions coverage can assure that.
For example, the following major problems are almost always excluded by all standard (fixed coverage or comprehensive) plans including India Network’s Standard Plan:
– Stroke or Cerebrovascular accident or event
– Cardiovascular accident or event
– Myocaridal infraction or heart attack
– Coronary thrombosis
So, if you are purchasing a standard plan, essentially you are purchasing coverage for new problems, accidents, accidental death benefit, and medical evacutation. Nothing more and nothing less. Whether your visitor has a history of the previous five problems or not, any claims may not covered by any insurance company.
Bottom Line: Even if your father of 65 or 75 years-old has had excellent health, we highly recommend taking coverage WITH PRE-EXISTING CONDITIONS OPTION.