If you are age 80 plus with pre-existing conditions, the $100,000 Standard Plan with Pre Existing Conditions offers either $15,000 or $25,0000 coverage levels for emergencies related to pre existing conditions. Select $1,000 pre existing deductible to be eligible for $15,000 pre existing coverage or select $5,000 pre existing deductible to be eligible for $25,000 pre existing coverage. Carefully consider which coverage and/or deductible makes the most sense for your family member. A quick tip for saving more than $50 in monthly premium is to select the highest Standard Deductible of $500.

To select the maximum pre existing emergency coverage, consider the $100,000 Standard Plan with the $500 Standard Deductible and $5,000 pre existing deductible.

For age 80 plus, if the monthly premium is considered too costly and you only want to cover a new sickness or injury, the comparable Standard Plan with $100,000 maximum coverage is available from $330 per month. Keep in mind a typical claim might be that of a heart attack and that would invariably be ascribed to pre-existing conditions and coverage under the Standard Plan will be severely limited. To compare rates for the $100,000 Standard Plan, click on AGE 80+ WITHOUT PRE-EXISTING CONDITIONS in the section below.

NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days.

If you are age 70-79 plus with pre-existing conditions, the $100,000 Standard Plan with Pre Existing Conditions offers either $15,000 or $25,0000 coverage levels for emergencies related to pre existing conditions. Select $1,000 pre existing deductible to be eligible for $15,000 pre existing coverage or select $5,000 pre existing deductible to be eligible for $25,000 pre existing coverage. Carefully consider which coverage and/or deductible makes the most sense for your family member. A quick tip for saving more than $50 in monthly premium is to select the highest Standard Deductible of $500.

To select the maximum pre existing emergency coverage, consider the $100,000 Standard Plan with the $500 Standard Deductible and $5,000 pre existing deductible.

For age 70-79, if the monthly premium is considered too costly and you only want to cover a new sickness or injury, the comparable Standard Plan with $100,000 maximum coverage is available from $240 per month. Keep in mind a typical claim might be that of a heart attack and that would invariably be ascribed to pre-existing conditions and coverage under the Standard Plan will be severely limited. To compare rates for the $100,000 Standard Plan, click on AGE 70-79 WITHOUT PRE-EXISTING CONDITIONS in the section below.

NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days.

If you are age 60-69 with pre-existing conditions, the most popular choice is the $100,000 Standard Coverage with the $250 Standard Deductible and $1,000 Pre Existing Condition Deductible. A simple idea is to upgrade from the $100,000 Standard Plan with Pre Existing Conditions to the $150,000 Standard Plan with Pre Existing Conditions selecting the $1,000 Pre Existing Deductible and $250 Standard Deductible. The $32.50 additional monthly premium offers an additional $10,000 in pre-existing maximum coverage, from $20,000 to $30,000.

To select the maximum pre existing emergency coverage of $60,000, consider the $150,000 Standard Plan with the $250 Standard Deductible and $5,000 pre existing deductible.

For age 60-69, if the monthly premium is considered too costly and you only want to cover a new sickness or injury, the comparable Standard Plan with $100,000 maximum coverage is available from $115 per month. Keep in mind a typical claim might be that of a heart attack and that would invariably be ascribed to pre-existing conditions and coverage under the Standard Plan will be severely limited. To compare rates for the $100,000 Standard Plan, click on AGE 60-69 WITHOUT PRE-EXISTING CONDITIONS in the section below.

NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days.

If you are age 50-59 with pre-existing conditions, the most popular choice is the $100,000 Standard Coverage with the $250 Standard Deductible and $1,000 Pre Existing Condition Deductible. If you prefer to cap defined medical expenses to the $250 deductible and maximum $1,000 co-insurance expenses when using in-network providers, considering the $150,000 Comprehensive Plan with the $1,000 Pre Existing Deductible. Pre existing maximum emergency medical coverage is $20,000 and precertifications, look backs and lifetime payouts are not required.

To select the maximum pre existing emergency coverage of $60,000, consider the $150,000 Standard Plan with the $250 Standard Deductible and $5,000 pre existing deductible.

For age 50-59, if the monthly premium is considered too costly and you only want to cover a new sickness or injury, the comparable Standard Plan with $100,000 maximum coverage is available from $105 per month. Keep in mind a typical claim might be that of a heart attack and that would invariably be ascribed to pre-existing conditions and coverage under the Standard Plan will be severely limited. To compare rates for the $100,000 Standard Plan, click on AGE 50-59 WITHOUT PRE-EXISTING CONDITIONS in the section below.

NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days.

If you are age 40-49 with pre-existing conditions, the most popular choice is the $100,000 Standard Coverage with the $250 Standard Deductible and $1,000 Pre Existing Condition Deductible. If you prefer to cap defined medical expenses to the $250 deductible and maximum $1,000 co-insurance expenses when using in-network providers, considering the $150,000 Comprehensive Plan with the $1,000 Pre Existing Deductible. Pre existing maximum emergency medical coverage is $20,000 and precertifications, look backs and lifetime payouts are not required.

To select the maximum pre existing emergency coverage of $60,000, consider the $150,000 Standard Plan with the $250 Standard Deductible and $5,000 pre existing deductible.

NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days.

If you are age 30-39 with pre-existing conditions, the most popular choice is the $150,000 Comprehensive Plan with the $1,000 Pre Existing Deductible. Pre existing maximum emergency medical coverage is $20,000 and precertifications, look backs and lifetime payouts are not required.

To select the maximum pre existing emergency coverage of $60,000, consider the $150,000 Standard Plan with the $250 Standard Deductible and $5,000 pre existing deductible.

NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days.

If you are age 18-29 with pre-existing conditions, the most popular choice is the $150,000 Comprehensive Plan with the $1,000 Pre Existing Deductible. Pre existing maximum emergency medical coverage is $20,000 and precertifications, look backs and lifetime payouts are not required.

To select the maximum pre existing emergency coverage of $60,000, consider the $150,000 Standard Plan with the $250 Standard Deductible and $5,000 pre existing deductible.

NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days.

If you are age 17 and under with pre-existing conditions, the most popular choice is the $150,000 Comprehensive Plan with the $1,000 Pre Existing Deductible. Pre existing maximum emergency medical coverage is $20,000 and precertifications, look backs and lifetime payouts are not required.

To select the maximum pre existing emergency coverage of $60,000, consider the $150,000 Standard Plan with the $250 Standard Deductible and $5,000 pre existing deductible.

NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days.

If you are age 70-79 and do not have pre-existing conditions, the most popular choice is the $50,000 Standard Plan. If you want the highest level of reimbursement for in-patient, out-patient and other medical services, select the $100,000 Standard Plan. A quick tip for saving more than $35 in monthly premium is to select the highest deductible of $500.

For age 70-79, pre existing conditions should be considered. A typical claim might be that of a heart attack. Invariably, a heart attack is ascribed to pre-existing conditions and coverage under the Standard Plan will be severely limited. For this age group, we recommend considering the Standard Plan with Pre Existing Conditions or the Comprehensive Plan. (SEE AGE 70-79 WITH PRE-EXISTING CONDITIONS).

If you are age 60-69 and do not have pre-existing conditions, the most popular plan is the $50,000 Standard Plan with a $250 deductible. This provides an entry level of medical payment support with the least cost monthly premium of $80. A quick tip for increasing payment coverage for Hospital Room, Surgeon and other services is to select the $100,000 Standard Plan for an additional $35 in monthly premium.

If you prefer to cap defined medical expenses to the $250 deductible and maximum $1,000 co-insurance expenses when using in-network providers, considering upgrading to the Comprehensive Plan for less than $7 per day.

For age 60-69, pre existing conditions should be considered. A typical claim might be that of a heart attack. Invariably, a heart attack is ascribed to pre-existing conditions and coverage under the Standard Plan will be severely limited. For this age group, we recommend considering the Standard Plan with Pre Existing Conditions or the Comprehensive Plan. (SEE AGE 60-69 WITH PRE-EXISTING CONDITIONS).

If you are age 50-59 and do not have pre-existing conditions, the most popular plan is the $50,000 Standard Plan with a $250 deductible. This provides an entry level of medical payment support with the least cost monthly premium of $70. A quick tip for increasing payment coverage for Hospital Room, Surgeon and other services is to select the $100,000 Standard Plan for an additional $35 in monthly premium.

If you prefer to cap defined medical expenses to the $250 deductible and maximum $1,000 co-insurance expenses when using in-network providers, considering upgrading to the Comprehensive Plan for less than $5 per day.

For age 50-59, pre existing conditions should be considered. A typical claim might be that of a heart attack. Invariably, a heart attack is ascribed to pre-existing conditions and coverage under the Standard Plan will be severely limited. For this age group, we recommend considering the Standard Plan with Pre Existing Conditions or the Comprehensive Plan. (SEE AGE 50-59 WITH PRE-EXISTING CONDITIONS).

If you are age 40-49 and do not have pre-existing conditions, for $5 less per month in premium versus the $150,000 Standard Plan, the Comprehensive Plan offers 1) the highest maximum coverage of $150,000, 3) a cap on medical expenses limited to the $250 deductible and maximum $1,000 co-insurance expenses when using in-network providers, and 3) no service level reimbursement levels. If you would prefer the lowest cost premium, the Standard Plan starts at $55 per month.

As an alternative to the least expensive Standard Plan and the more expensive Comprehensive Plan, consider the $100,000 Standard Plan with the $250 deductible for $75 per month. This Standard Plan upgrade increases the reimbursement schedule across all in-patient and out-patient benefits compared to the $50,000 Standard Plan.

For age 40-49, pre existing conditions should be considered. A typical claim might be that of a heart attack. Invariably, a heart attack is ascribed to pre-existing conditions and coverage under the Standard Plan will be severely limited. For this age group, we recommend considering the Standard Plan with Pre Existing Conditions or the Comprehensive Plan. (SEE AGE 40-49 WITH PRE-EXISTING CONDITIONS).

If you are age 30-39 and do not have pre-existing conditions, for less than the cost of a Standard $100,000 Plan, the Comprehensive Plan offers 1) the highest maximum coverage of $150,000, 3) a cap on medical expenses limited to the $250 deductible and maximum $1,000 co-insurance expenses when using in-network providers, and 3) no service level reimbursement levels. If you would prefer the lowest cost premium, the Standard Plan starts at $50 per month.

If you are 18-29 and do not have any pre-existing conditions, across the $250 deductible, the Comprehensive Plan offers 1) a low monthly premium, 2) the highest maximum coverage of $150,000, 3) a cap on medical expenses limited to the $250 deductible and maximum $1,000 co-insurance expenses when using in-network providers, and 4) no service level reimbursement limits. Unless you want a provider that is outside the MultiPlan network, the Comprehensive Plan is our best recommendation.

For age 18-29, if you prefer the $75 deductible, the Standard Plan with $50,000 maximum coverage is $5 less costly than the Comprehensive Plan with $150,000 maximum coverage. If you prefer the lowest cost regardless of benefits, the $50,000 Standard Plan with a $250 deductible is $45 per month.

If you are age 17 and under and do not have any pre-existing conditions, across the $250 deductible, the Comprehensive Plan offers 1) a low monthly premium, 2) the highest maximum coverage of $150,000, 3) a cap on medical expenses limited to the $250 deductible and maximum $1,000 co-insurance expenses when using in-network providers, and 4) no service level reimbursement limits. Unless you want a provider that is outside the MultiPlan network, the Comprehensive Plan is our best recommendation.

A popular plan for age 17 and under is the Standard Plan with $50,000 maximum coverage and $75 deductible. If you prefer the lowest cost regardless of benefits, the $50,000 Standard Plan with a $250 deductible is $40 per month.

India Network Health Insurance offers worldwide coverage. We recommend selecting a start date 1 day prior to arriving in the USA and 1 day after leaving the USA so that your family member has medical insurance from airport departure through airport return.

Enrolling in the same policy will save 5 minutes and a $5 processing fee for the second visitor. Separate policies are required for visitors where the primary or secondary insured is age 69 and under while the other insured is age 70 plus.

Visitors must enroll for the required initial time period when first enrolling. All policies electing pre existing conditions require 90 day minimum initial enrollment. If pre existing conditions are not elected, the Standard Plan requires 15 days and the Comprehensive Plan 30 days enrollment.

Policies can not be cancelled once the effective date occurs. If you are concerned that your family member may return prior to the planned return date, when enrolling the first time, consider selecting an end date that provides flexibility. India Network will e-mail the member a notification prior to insurance termination date. Insurance renewals take only a few minutes and can be completed from the Online Enrollment menu.

Although you can not schedule recurring monthly payments, once the initial minimal enrollment time period is met, you can go to online enrollment, select the appropriate plan, then check RENEW INSURANCE ENROLLMENT to extend the visitors medical insurance. Insurance renewals take only a few minutes and can be completed from the Online Enrollment menu.

Monthly and daily rates are provided in both the EasySelect and Programs section of the website. A monthly rates is always based on 30 days. As an example, if a visitor is traveling 3 and half months, the rate is the daily rate multiplied times 105 days (30 days in a month and 15 days in half a month)

The The Standard Plan can be used worldwide with any provider.

The The Comprehensive Plan has 80/20 coinsurance when using Multi-Plan providers and a 60/40 coinsurance when using out-of-network providers.