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| Experience With : Visitor Medical Insurance |
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Note : VisitorsCoverage.com takes no responsibility for any posted information presented here. These experineces are individual views, and are posted by the participants. It should be used or referred by users at their own risk. |
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| Title |
InBound USA : Covered 10 % of medical bill of 10000$ |
| Posted By |
Sufferingbuyer , Dated : 18-Nov-2009 08:05 PM |
| Experience |
I purchased Plan B,75000 from inbound USA for my mom Age : 63 yrs.She was rushed for Seizures to the Immediate care center.They Did CT Scan,Radiology,EEG,Cardiogram etc.The Bill comes upto 10000 USD.Inbound USA paid 1K.What should I do..I am really tensed.Please help me as soon as possible. |
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| Title |
Oriental Insurance |
| Posted By |
SH , Dated : 12-Oct-2009 01:09 PM |
| Experience |
On 24th Aug i had posted my concerns with Oriental insurance / Coris.
I was informed recently that the claim has been denied due to pre-existing condition. The hospital and the doc office etc are sending me reminder notices and I do not know what to do next.
I will really appreciate if someone can advice what I should do next? |
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| Title |
Oriental Insurance |
| Posted By |
SH , Dated : 24-Aug-2009 09:44 PM |
| Experience |
My father recently had a heart attack while visting us in USA. He had to be rushed to the ER and was operated. He was at the hosptial for 6 days and now I am very worrried with the hospital payment. He has Oriental insurance but I am not sure if they will cover the bills.
if someone had any experience with oriental insurance, I would like to know. Also any input in this regard will be very helpful. |
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| Title |
Hospital bills |
| Posted By |
govinda108 , Dated : 20-Aug-2009 12:54 PM |
| Experience |
Dear all,
I have been reading this forum over the past week or so. I wanted to share my experiences with you so that it may be of help for anyone in the future.
My m-i-l (72 yrs) was visiting us for 6 months. Towards the end of her stay, she developed an urinary tract infection that quickly escalated to high fever, shivering, etc. We had to call an ambulance and take her to a hospital. She was given antibiotics, IV, etc, but due to her age, she took 2 days to recover. We took seven corners inbound usa insurance which provided minimal coverage. The hospital bill was ~18K of which the insurance only paid 10%.
I was trying to see what the best option was to address this situation, given that our savings are almost zero. Finally we decided to take this head-on. We went to the hospital billing department the day after we received this final bill and pleaded with them to reduce or waive the charges since we are unable to pay them. We told them that we can pay 1K max. They contacted the CFO who immediately waived the charges. He was surprised that we even came and talked to him, since we are not technically obligated to pay the bill (It was addressed to my mil). We thank the all merciful Lord Krishna for his compassion. We also wanted to share our lessons learned -
1. If a person is old and susceptible to such illnesses, think about the insurance/costs before inviting them. If one needs to invite them here, one should get a really comprehensive policy.
2. If a situation like ours does actually happen, then it is best to take this up with the hospital directly. Not responding may actually be worse than pleading with the hospital for a waiver.
3. Fixed coverage plans like inbound usa cover almost nothing, so there is no point in banking on them for coverage. We fought tooth and nail with them with the claims, but to no avail.
Jai Srimannarayana. |
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| Title |
I can help |
| Posted By |
Rajeev , Dated : 13-Jan-2009 11:56 AM |
| Experience |
Where did you purchase this policy from ?
If you have purchased through VisitorsCoverage.com, please contact me at rajeev@path2usa.com and I can help in this matter.
-Rajeev |
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| Title |
Unpaid bills - help |
| Posted By |
Rajeev , Dated : 26-Jun-2008 10:46 PM |
| Experience |
this article will help
http://www.visitorscoverage.com/insurance/knowledge/visitorinsurance-handling-uncovered-services.htm |
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| Title |
Unpaid Hospital bill |
| Posted By |
help me , Dated : 26-Jun-2008 09:34 PM |
| Experience |
Hello
Does any one have any experience of unpaid hospital bills . My Dad had to be admitted to the hospital in 2007 , got a 20K bill which insurance didnt pay.
It went to collections didnt do any thing . Any idea what is gng to happen when they are coming back again ? The plan to come in fall
please mail to learnanduse@gmail.com any help or input will be really helpful. |
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| Title |
Great experience at Visitorscoverage.com, |
| Posted By |
Gagan , Dated : 20-May-2008 11:24 AM |
| Experience |
I purchased insurance for my one of my parent, about 2 months months ago from www.visitorscoverage.com.
I had to go to emergency, just after a day of their arrival, as my mom fainted at a shopping mall, I called the ambulance , and while waiting for the ambulance which took about 30 min. to reach, I thought of calling insurance company and ask for the process of using insurance. I was carrying blackberry so I pulled the email where I had visitorscoverage tel number and called, the customer support person Rajeev, was extremely helpful and provided me help and comforted me in that situation, One thing I am greatly impressed that he proactively called me at least 4 time same evening asking about my Moms help. I did not have any problem at hospital. fortunately there was nothing serious , and she got discharged next day, according to Dr. she was exhausted/ tired resulted.
( I think, It was a bad idea to take aged parents to mall and such a tiring thing the very next day, I should have give some time for them to settle ..and come out of the stress/jetleg of that long journey, any way lesson learned)
I was told to send the claim information soon to insurance company so the process can start. I have already got the paramedics/ambulance bill cleared by insurance company, but I am yet to see the hospital bill, but I am told it will be taken care as per the policy, I am hopeful that I wont have much hassle , lets see
But I am pleased with visitorscoverage so far. |
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| Title |
Useful resource- Visitor Insurance |
| Posted By |
p2uadmin , Dated : 19-May-2008 01:15 AM |
| Experience |
Here is a good resource to learn from expert on Visitor Insurance
http://visitorscoverage.blogspot.com/ |
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| Title |
Never Buy Health insurance from ICICI Lombard |
| Posted By |
Harvinder Khurana , Dated : 01-Apr-2008 06:11 PM |
| Experience |
I took insurance from ICICI Lombard from their website icicilombard.com . They charged my Credit Card for more than the specified amount of the premium. The salesrep don't tell everything about the policy when selling. In my case I was advised that I should take 100K coverage for my parents both of them are more than 53 years old. When I was issued the policy I came to know that if the insured is more than 53 years old the policy has limitation for coverage called sub policy. The covered amount is ridiculous as per US standards. I was told I can cancel the polcy anytime and get the unused money back. When I tried to cancel the policy they told me a new clause that the policy can't be cancelled withing 30 days of expiry.
My father was hospitalized and I submitted the claim to this insurance company. They denied the whole claim mentioning that the policy is not valid.
Please never buy insurance from ICICI Lombard.
Harvinder
MD, USA |
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