Family Insurance

[netpicker9]

Hi,

I am new to United States, came very recently on H1 Visa to work here.

i want to bring my wife from india over here and she is pregnant now..

somebody said, i need to have insurance for at least 6 months before her devilery.. is that correct?

Now I want to apply for Life Insuranace Policy, for me and for my wife.
What is best insurance company here (not costly) ?
What is the best policy i should choose?
What will be the policy coverage (i.e like pregnancy,delivery etc)?
What will be the monthly payment for that?


suggest me the best one.

Thanks
Seshu

[insubuy]

You have mentioned 2 types of insurance in your post. Therefore, first of all, let me clarify it.

Life insurance: It is for the person's life. Generally speaking, if the person dies, his/her beneficiary gets the death benefit.

Health insurance: It is for any medical problem. Like getting sick, getting injury or accident.

Having said that,
if you want life insurance, you don't have much choice as you are on H1. Prudential is a very good company that offers life insurance for H1 holders. Look at http://www.domesticinsuranceusa.com/life-insurance/

if you want medical insurance for your wife's pregnancy (delivery, new born care etc.), unfortunately you don't have any choice. There is no plan from any insurance company anywhere that is going to cover pregnancy reltaed expenses if she is already pregnant.
Your options are
* Ask your wife to deliver the baby in India and then come to US
* Check with your employer whether they will enroll her in the group insurance if she is already pregnant and cover the pregnancy
* Pay for all pregnancy related expenses yourself

[netpicker9]

Hi

Hi,

Thanks for reply.

Is there anyother alternative or any health insurance policy that will cover preganancy also..

suggest me the best way to proceed..

what will be the rough figure, if want to pay from my pocket, i.e without insurance?

Thanks
Jen

[insubuy]

1. I already described in my previous reply what your options are.
There is no individual health insurance that will cover pregnancy if you are already pregnant.

2. Around $15,000 for no complications delivery.

[leifbooger]

the word 'insurance' is a big scam. even with insurance it would cost you about $6000. would strongly suggest not to bring her here in this condition. indian citizenship is more valuable these days than us citizenship. save that money and buy a plot of land for your child.

[leifbooger]

just to add.. dont get the child here immediately after he/she is born. wait till all the shots are completed. when you get your green card, your wife and child will also get his/her green card. so dont worry. instead book your tickets for a month before the due date, fly to india spend time with your family and come back a month after the child is born.