7. Can I cancel my policy once the policy starts?

8. What is the deductible amount?

9. Can I renew the insurance after it expires?

10. Couple Coverage – One form or Two forms

11. What is the minimum duration insurance can be taken?

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1. Who is eligible for the India Network Health Plan?

All non-US Citizens and their eligible dependents in USA or Canada are eligible. One Member in the family must be dues paying member of India Network.

2. How do I get insurance coverage?

One can get insurance coverage by completing online forms

    1) India Network Membership Form 

    2) Health Insurance Enrollment Form

Membership and Health Insurance Enrollment Forms can also be downloaded under download forms link at our website to fax to India Network Office at (800) 837-6384 or mail the two forms with checks to: India Network, 3956 Town center Blvd #340, Orlando, FL 32837.

3. When does the coverage become effective and terminated?

The coverage becomes effective on either of 3 dates:

·         The day after the secure server online form submitted and premiums processed;

·         The day after the postmark on the envelope containing the enrollment form;

·         Any future date specified in the form.

·         The coverage may start on the date of departure to USA or Canada (not more than 48 hours before arrival) if requested.

·         The exception being that if the insured is sick on the date insurance would become effective, the coverage will take effect seven days after recovering from such sickness.

The coverage will be terminated on either of 2 dates:

·         The date to which premiums have been paid  and as indicated on the id card or

·         48 hours after departing from the United States or Canada

4. What are the major benefits of having India Network Health Plan?

·         Underwritten by the Insurance Company of the State of Pennsylvania, a member of Chartis Insurance (formerly AIG)). A++ rating by A.M. Best

·         Affordable Premiums with excellent benefits

·         Option of $75 or $250 deductible for <70 year olds and $500 deductible for 70+ years old. $1000 deductible is available with $150K Policy.

·         Maximum coverage of $150,000, $100,000, and an option of $50,000 available (18-69 age group). For 70 plus: $50,000 maximum coverage

·         Pre-existing conditions time is limited to 6 months (12 months for 70+ aged) before the start date

·         No medical examinations or other qualifications required

·         Excellent service and prompt settlement of claims by Chartis Claims office

5. Is the insurance coverage valid all over the United States and Canada?

Yes. The India Network Health Plan is valid in USA and Canada. Also side trips to Mexico are covered up to 2 weeks.

6. Do you have a list of providers in my town?

No. The India Network plan is a national program valid in US and Canada. You may visit any provider closest to your location (see yellow pages in your phone book) and present the ID card. The Insurance will pay to the provider directly if they bill for covered services as per your program chosen or to you (the insured) if you file claim. Claim forms are available under download section of our web site.

7. Can I cancel my policy once the policy starts?

No. The insurance can be cancelled prior to the coverage start date subject to $25 cancellation fee. After the start date, premiums are considered fully earned and no refunds will be possible.

8. What is the deductible amount?

The program is sickness-based or injury-based, and for each sickness, or injury, the chosen deductible is to be paid by insured.  The usual and customary charges are paid by the insurance as outlined in the Schedule of Benefits located on the web page after meeting the deductible. Look for Part A; this contains a complete listing of all benefits for the India Network Insurance Program.

9. Can I renew the insurance after it expires?

You may apply afresh again for coverage. The Insured will be subject to pre-existing period again from the start date if there is a break in coverage.

10. If couple are visiting and wanted coverage, do they both need to be members of India Network? Do they have to file separate forms?

No. A visiting relative can be sponsored by India Network Member who is in the United States or Canada. They can obtain coverage under one form except when one spouse is below 70 years (or below 50) old and one is above 70 years old (or above 50), they must file separate enrollment forms.

11. What is the minimum duration insurance can be taken?

  The minimum duration is one month and maximum duration allowed is twelve months at a time, 15 days and few days coverage is available at the time of renewal. Please choose the duration carefully as no changes can be made after the policy starts.