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ACE Network
80/20 Plan
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(Fixed Benefits)
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(Fixed Benefits)
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(Fixed Benefits)

         "EasySelect"...the friendly Guide for choosing the visitor health insurance.
EasySelect from India Network Health Insurance, USA
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EasySelect Quote is designed to provide you a quick overview of available plans and their premiums for 30 days. ACE Network and Premier plans require you to purchase the plan for a minimum duration of 90 days irrespective of visitor's lenth of stay in the United States. This is non-negotiable. Axis Insurance offers very limited Pre-existing Coverage of $1000 for acute onset of pre-existing conditions and one can purchase this plan for a minimum duration of 30 days. Please note Network Benefits are far more valuable as they use negotiated prices for various services.
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PREMIUMS & BENEFITS BY AGE GROUP WITH PRE EXISTING CONDITIONS
AGE 80+ WITH PRE-EXISTING CONDITIONS

If you are age 80 plus with pre-existing conditions, the $75,000 ACE Network comprehensive plan with Pre Existing Conditions is higherly recommended. . This plan offers PPO network benefits of negotiated medical bills and pay upto $20,000 for pre-existing medical conditions and $75,000 for new problems and accidents. There is no other plan that provide the comfort and coverage like ACE Network Plan. ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage for 80 plus is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

India Network ACE Comprehensive Visitor Health Insurance Plan India Network ACE Premier Visitor Health Insurance Plan with Pre-existing conditions Axis Visitor Health Insurance Plan
Click to go direct to Online Enrollment

AGE 70-79 WITH PRE-EXISTING CONDITIONS

If you are age 70-79 age group, the $75,000 ACE Network comprehensive plan with Pre Existing Conditions is higherly recommended. . This plan offers PPO network benefits of negotiated medical bills and pay upto $20,000 for pre-existing medical conditions and $75,000 for new problems and accidents. There is no other plan that provide the comfort and coverage like ACE Network Plan. ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Plan ACE Premier Plan Axis Visitor Health Insurance Plan

Click to go direct to Online Enrollment

AGE 60-69 WITH PRE-EXISTING CONDITIONS

If you are age 60-69 age group, the $150,000 ACE Network comprehensive plan with Pre Existing Conditions is higherly recommended. . This plan offers PPO network benefits of negotiated medical bills and pay upto $25,000 for pre-existing medical conditions and $150,000 for new problems and accidents. There is no other plan that provide the comfort and coverage like ACE Network Plan. ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Plan ACE Premier Visitor Health Insurance Plan ACE Premier Plan Axis Visitor Health Insurance Plan

Click to go direct to Online Enrollment

AGE 50-59 WITH PRE-EXISTING CONDITIONS

If you are age 50-59 age group, the $150,000 ACE Network comprehensive plan with Pre Existing Conditions is higherly recommended. . This plan offers PPO network benefits of negotiated medical bills and pay upto $25,000 for pre-existing medical conditions and $150,000 for new problems and accidents. There is no other plan that provide the comfort and coverage like ACE Network Plan. ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Plan ACE Premier Plan ACE Premier Plan AXIS Visitor Health Insurance Plan

Click to go direct to Online Enrollment

AGE 40-49 WITH PRE-EXISTING CONDITIONS

If you are age 40-49 age group, the $150,000 ACE Network comprehensive plan with Pre Existing Conditions is higherly recommended. . This plan offers PPO network benefits of negotiated medical bills and pay upto $25,000 for pre-existing medical conditions and $150,000 for new problems and accidents. There is no other plan that provide the comfort and coverage like ACE Network Plan. ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network plan ACE Premier Plan ACE Premier Plan Axis Insurance Plan for Visitors

Click to go direct to Online Enrollment

AGE 30-39 WITH PRE-EXISTING CONDITIONS

If you are age 30-39 age group with pre-existing medical problems such as diabetes, blood pressure, etc., the $150,000 ACE Network comprehensive plan with Pre Existing Conditions is higherly recommended. . This plan offers PPO network benefits of negotiated medical bills and pay upto $25,000 for pre-existing medical conditions and $150,000 for new problems and accidents. There is no other plan that provide the comfort and coverage like ACE Network Plan. ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Visitor Health Insurance Plan Premier Plan Premier Plan Axis Plan

Click to go direct to Online Enrollment

AGE 18-29 WITH PRE-EXISTING CONDITIONS

If you are age 18-29 age group with family history of pre-existing conditions, the $150,000 ACE Network comprehensive plan with Pre Existing Conditions is recommended. . If the visitor is healthy with no current medical conditions, we recommend purchasing the ACE Network plan without pre-existing conditions coverage. The nAcetwork plan pays $150,000 for new problems and accidents. There is no other plan that provide the comfort and coverage like ACE Network Plan. ACE Network and Premier Plans treat pre-existing and new problems in the same way except pre-existing related sicknesses have a separate maximum and a separate deductible.
Fixed benefit plans such as Premier plan cost less as they pay a set amount which may not be enough to cover your medical expense. Insurance Plan without Pre-existing Coverage is NOT Recommended.

NOTE: ACE Policies with pre existing condition coverage require to be purchased before Arrival or subject to underwriting.

ACE Network Plan ACE Premier Plan ACE Premier Plan Axis Visitor Health Insurance Plan

Click to go direct to Online Enrollment

AGE 17 & UNDER WITH PRE-EXISTING CONDITIONS

If you are age 17 and under with pre-existing conditions, the most popular choice is the $150,000 ACE Network Plan with the $1,500 Pre Existing Deductible. Pre existing medical coverage is $25,000.

Members with good health can opt for ACE Network Plan for new problems and accidents in the next section.
NOTE: Policies enrolled with pre existing condition coverage require a minimum initial enrollment period of 90 days except Platinum Plan (beware that pre-ex coverage is limited to sudden and unexpected recurrence in Platinum Plan).

ACE Network Plan ACE Premier Plan ACE Premier Plan Axis Visitor Health Insurance

Click to go direct to Online Enrollment

PREMIUMS & BENEFITS BY AGE GROUP WITHOUT PRE EXISTING CONDTIONS
AGE 80+ WITHOUT PRE-EXISTING CONDITONS

If you are age 80 plus and wish to take only for new problems and accidents , the most popular choice is the ACE Network. This plan covers 80 percent of covered expenses upto policy maximum after $2500 deductible. A fixed benefit such as Standard plan may cost less initially but due to lack of network benefits, your exposure is unlimited.

For age 80 plus, highly reommend to take coverage with pre existing conditions. Last two decades of our experience shows almost always, major medical problems are related to a pre-existing condition whether known or unknown. Diabetes, Blood Pressure, etc, are all pre-existing conditions that may contribute to major medical problems and are not covered in the plan.For this age group, we recommend considering the Premier Plan with Pre-existing Conditions or the ACE Network Comprehensive Plan. (SEE AGE 80+ WITH PRE-EXISTING CONDITIONS).

ACE Standard Plan Axis Plan IMG Plan

Click to go direct to Online Enrollment

AGE 70-79 WITHOUT PRE-EXISTING CONDITIONS

If you are age 70-79 and do not have pre-existing conditions, the most popular choice is the ACE Network comprehensive Plan. This plan covers 80 percent of covered expenses upto policy maximum after $500 deductible. A fixed benefit such as Standard plan may cost less initially but due to lack of network benefits, your exposure is unlimited.

For age 70-79, highly reommend to take coverage with pre existing conditions. (SEE AGE 70-79 WITH PRE-EXISTING CONDITIONS).

ACE Network Plan ACE Standard Plan Axis Plan IMG Plan

Click to go direct to Online Enrollment

AGE 60-69 WITHOUT PRE-EXISTING CONDITIONS

If you are age 60-69 and do not have pre-existing conditions, the most popular choice is the ACE Network comprehensive Plan. This plan covers 80 percent of covered expenses upto policy maximum after $250 deductible. A fixed benefit such as Standard plan may cost less initially but due to lack of network benefits, your exposure is unlimited.

For age 60-69, highly reommend to take coverage with pre existing conditions. Last two decades of our experience shows almost always, major medical problems are related to a pre-existing condition whether known or unknown to the family. A typical claim might be that of a heart attack. Invariably, a heart attack is ascribed to pre-existing conditions and there is no coverage in Standard Plan. For this age group, we recommend considering the Premier Plan with Pre-existing Conditions or the ACE Network Comprehensive Plan. (SEE AGE 60-69 WITH PRE-EXISTING CONDITIONS).

ACE Network Plan ACE Standard Plan Axis Plan IMG

Click to go direct to Online Enrollment

AGE 50-59 WITHOUT PRE-EXISTING CONDITIONS

If you are age 50-59 and do not have pre-existing conditions, the most popular choice is the ACE Network comprehensive Plan. This plan covers 80 percent of covered expenses upto policy maximum after $250 deductible. A fixed benefit such as Standard plan may cost less initially but due to lack of network benefits, your exposure is unlimited.

For age 50-59, highly reommend to take coverage with pre existing conditions. Last two decades of our experience shows almost always, major medical problems are related to a pre-existing condition whether known or unknown to the family. A typical claim might be that of a heart attack. Invariably, a heart attack is ascribed to pre-existing conditions and there is no coverage in Standard Plan. For this age group, we recommend considering the Premier Plan with Pre-existing Conditions or the ACE Network Comprehensive Plan. (SEE AGE 50-59 WITH PRE-EXISTING CONDITIONS).

ACE Network Plan ACE Standard Plan Axis Plan IMG

Click to go direct to Online Enrollment

AGE 40-49 WITHOUT PRE-EXISTING CONDITIONS

If you are age 40-49 and do not have pre-existing conditions, the most popular choice is the ACE Network comprehensive Plan. This plan covers 80 percent of covered expenses upto policy maximum after $250 deductible. A fixed benefit such as ACE Premier plan may cost less initially but due to lack of network benefits, your exposure is unlimited.

For age 40-49, pre existing conditions may be considered if you have a family history of heart problems, diabetes etc. A typical claim might be that of a heart attack. Invariably, a heart attack is ascribed to pre-existing conditions and Standard Plan has no coverage for such medical conditions. For this age group, we recommend considering the Premier Plan with Pre-existing Conditions or the ACE Network Comprehensive Plan. (SEE AGE 40-49 WITH PRE-EXISTING CONDITIONS).

ACE Network Plan ACE Standard Plan Axis Fixed Plan IMG
Click to go direct to Online Enrollment

AGE 30-39 WITHOUT PRE-EXISTING CONDITIONS

If you are age 30-39 and do not have pre-existing conditions, the most popular choice is the ACE Network comprehensive Plan. This plan covers 80 percent of covered expenses upto policy maximum after $250 deductible. A fixed benefit such as Standard plan may cost less initially but due to lack of network benefits, your exposure is unlimited.

ACE Network Plan ACE Standard Plan Axis Plan IMG

Click to go direct to Online Enrollment

AGE 18-29 WITHOUT PRE-EXISTING CONDITIONS

If you are age 18-29 and do not have pre-existing conditions, the most popular choice is the ACE Network comprehensive Plan. This plan covers 80 percent of covered expenses upto policy maximum after $250 deductible. A fixed benefit such as Standard plan may cost less initially but due to lack of network benefits, your exposure is unlimited.

ACE Network ACE Standard Axis Plan IMG

Click to go direct to Online Enrollment

AGE 17 and UNDER WITHOUT PRE-EXISTING CONDITIONS

If you are age 17 and under and do not have pre-existing conditions, the most popular choice is the ACE Network comprehensive Plan. This plan covers 80 percent of covered expenses upto policy maximum after $250 deductible. A fixed benefit such as Standard plan may cost less initially but due to lack of network benefits, your exposure is unlimited.

ACE Network Plan ACE Standad Plan Axis Plan IMG

Click to go direct to Online Enrollment

COMMONLY ASKED QUESTIONS
IS HEALTH INSURANCE COVERED BEFORE AND AFTER VISITING THE USA OR CANADA?

India Network Health Insurance offers coverage in the United States, Candada or Mexico and during the travel period. 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.

MY FAMILY MEMBERS ARE IN DIFFERENT AGE GROUPS. HOW SHOULD THEY BE ENROLLED?

Enrolling in the same policy will save 5 minutes and a $5 processing fee for the second visitor. Separate policies are required for visitors age falls into two age brackets., such as one is in 50-59 age group and the other is in 60-69 age group.

I NEED LESS DAYS THAN THE MINIMAL ENROLLMENT PERIOD. WHAT DO I DO?

Visitors must enroll for the required initial time period when first enrolling. All policies electing pre existing conditions require 90 day minimum initial enrollment except Platinum Plan with limited conditional Pre-existing Condition coverage. If pre existing conditions are not elected, the ACE Network Plan or a Standard Plan requires 15 days enrollment.

CAN I CANCEL AFTER INSURANCE STARTS OR CAN I MAKE PAYMENTS?

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 only the minimum period required to enroll such as 90 days with pre-ex conditions. 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.

HOW DO I CALCULATE MY INSURANCE PAYMENT?

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)

CAN I CHOOSE ANY DOCTOR OR DO I USE A PROVIDER NETWORK?

The The Standard Plan can be used anywhere in the USA, Canada or Mexico with any provider.

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

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