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I currently have the Liaison International plan that expires in August 2007. This was brought through InsuBuy. I am a student on a F1 visa in the USA, and I intend to continue to be a student for the next 4-5 years, so I am looking for a health insurance plan till then. My requirements are:
Maximum Out-of-Pocket expenses of $2000-$3000 per year.
The plan is renewable (probably on an annual basis) for 4-5 years.
Minimum Medical evacuation coverage of $10,000
Mimimum Repatriation benefits of $7500
Minimum inpatient and outpatient benefits paid at 80% .
Minimum Inpatient and outpatient mental health benfits at 50%.
A high lifetime maximum coverage.I think this is necessary in event of a serious accident or illness, given the high-cost of health care nowadays. I feel that a lifetime limit of $300,000 or more is important. Would you suggest that a smaller lifetime maximum coverage will be sufficient?
Reliability and helpfulness of the administrator and underwriter in submitting and processing claims.
I am a very healthy person, and I have no history of medical conditions. What duration of exclusion period for pre-existing conditions will be appropriate for me?
I understand that there may not be a single product that meets all these requirements. If so, can you inform me of the various trade-offs I can make and the product(s) for each trade-off?
Thank you for your help, and I look forward to doing business with you.
Maximum Out-of-Pocket expenses of $2000-$3000 per year.
The plan is renewable (probably on an annual basis) for 4-5 years.
Minimum Medical evacuation coverage of $10,000
Mimimum Repatriation benefits of $7500
Minimum inpatient and outpatient benefits paid at 80% .
Minimum Inpatient and outpatient mental health benfits at 50%.
A high lifetime maximum coverage.I think this is necessary in event of a serious accident or illness, given the high-cost of health care nowadays. I feel that a lifetime limit of $300,000 or more is important. Would you suggest that a smaller lifetime maximum coverage will be sufficient?
Reliability and helpfulness of the administrator and underwriter in submitting and processing claims.
I am a very healthy person, and I have no history of medical conditions. What duration of exclusion period for pre-existing conditions will be appropriate for me?
I understand that there may not be a single product that meets all these requirements. If so, can you inform me of the various trade-offs I can make and the product(s) for each trade-off?
Thank you for your help, and I look forward to doing business with you.
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