Brige plan questions

[submittedviaemail]

Hi, I am looking at the bridge plan, if my parents decide to immigrate to the US as permanent residents.
1) Since their age is 73, I understand the $100k max limit applies. Is that per injury?, lifetime maximum? yearly maximum ?
2) there is left table which says per cause; and the right table says "all cause" what is the difference?
3) Can i buy any other supplemental insurance to supplement this?

[insubuy]

1. Lifetime policy maximum.
2. "per cause" deductible means that you have to pay the specified deductible once per every injury/illness.
"all cause" deductible means it is annual deductible. You have to pay that only once no matter how many times you use the insurance in one year. I recommend this.
3. No.

You can buy the bridge plan at https://www.insubuy.com/new-immigran...lth-insurance/

Please let me know if you have any other questions

[submittedviaemail]

Dear Mr Khatri,
Thanks for the quick response. I understand this plan does not cover
preexisting conditions. How is this evaluated ?
1) Qtn: Is "pre exisiting condition" narrowly defined or broadly defined

2) e.g. my father has diabetes. if he develops glaucoma or high blood pressure (which he doesnt have) as a result of diabetes
If Narrowly defined: it should cover
if broadly defined: since this is a consequence of diabetes at some level, it cant be covered

[insubuy]

1. Broadly defined.
It is determined by the insurance company's claim department when claim occurs.
2. Not covered.
If anything occurs because of pre-existing condition, that is also pre-existing condition.

[submittedviaemail]

Thanks, it seems to be bad idea to bring senior parents here!

[insubuy]

Exactly.

[submittedviaemail]

Interesting.
1. Are the travel insurances better (on a visitor visa)?
2. or as bad or worse. (if they visit for 1 or 2 months.) Or are we just counting on no mishaps (as it is a short time span) ?

[insubuy]

They work the same way.

However, if they are here for a short period, the risk is lower. That's it.

[Tarrak]

Parents to be covered under Group insurance?

Hello,

Can the parents be covered under my own coverage fro mmy employer? that way to my understadning even the pre-existing conditions are covered. let me know if thats not the case??
Tarrak

[insubuy]

No, you can't do that.

Read https://www.insubuy.com/new-immigrant-insurance/-plans/