Tata AIG insurance - anyone used?

[TheHimalayas]

This seems to be an affordable choice, however, I'm not sure how useful it is. As far as I can make out, the overseas travel policy does not cover domiciliary treatment - for treatment by doctors without admission to a hospital. It covers hospital room/board, misc. expenses, ICU cost, surgical treatment, physicians visit, diagnostic and pre-admission testing, ambulance service etc.

There is an increase of about Rs.3000 for every additional month and they cover up to 6 months. For six months for $200,000 for one person it comes to 13991, for 5 months 11736 and for 4 months it is 8365 rupees.

Is this worth taking for emergencies, while paying out of pocket for minor doctor visits?

[Murali]

Let me clarifies few facts which will get answers for most of the users:

NO matter where you buy policy from US or non US ( TataAIG/ Bajaj, etc etc) , there are always 2 types of plan :

A ) Limited Coverage Plan ( all major expenses and their covered fixed cost is predefined in policy) example , To visit a Dr . up to 50$ .
Hospital admit : up to 100$ per day for max N number of days ..
etc etc
Now if you see practically the actual charges may be more and all those needs to paid from your pocket.

B) Comprehensive Coverage Plan :

These plans have better coverage and works like PPO plan, where you have to pay co-payment and deductible but generally coverage is 80%-20% means insurance company pay 80% of expenses in most cases and you pay 20% even if you go out of their network.
If you go to there network you may not to pay any thing except the copay.

Facts about Pre-existing coverage.
No short term company/plan can practically cover the pre-existing condition for many reason and logically for a short term insurance where a visitor pays premium for 3-6 months and claim much more ( high chances for a person to get sick or hospitalized due to critical pre-existing diseases like Blood pressure etc)
Though you may find some posting and information on the net about few plans which covers with some IF and But conditions ...But I will suggest everyone to must call the provider and ask specific questions and take that in writing ..Don’t just consider the policy because someone says it covers Pre-Existing conditions.

Also : read this article will help you a lot :
http://www.path2usa.com/insurance/vmi_plan_types.htm
and
http://www.path2usa.com/insurance/vm...rs_dilemma.htm

Do not get too much confused there are only 2 type of choice available, so make your decision based on what type of plan will be suitable for the visitor based on his/her health etc, First thing you should decide is TYPE of PLAN. and second thing is Which Company or what PLAN NAME...
If you are planning to buy from US plans then one thing is sure that service will be better and you get your claim if it’s in the policy.

if any one still have specific questions, feel free to post here and we shell try to answer with my best of knowledge.

[go_us]

So my scenario is this.
In Laws are visiting for few months, they around 52-55 yrs old.
Good health.

So I was thinking of taking the limited insuarance.
I was also advised to go to community hospitals in case of emergency etc..

Will that work ?

[staceymendoz]

My experience with AIG hasnt been great. Incase you decide for the policy ,Please register the claim on the toll free nos. mentioned on the policy. If this is not done you don;t get your reimbursement. With AIG you need to call up the toll free no. whenever required.