IMG or Patriot America

[pminumu]

Mr. Narendra,
I am looking to take health insurance for my parents.
After comparing numbers, I had planned to take Patriot America but want to have a quick suggestion. Do you suggest a 100,000 IMG Visitors care or a 50,000 Patriot America with an higher deductible (1000 or 2500), that way the premiums are comparable.
I mean you can take care of a doctors visit or miscellaneous needs which is not a big problem (upto couple of thousands), the only big thing is if you need to be hospitalized?
Also I would like to take for 3 months and renew it depending on how long they want to stay here. I just want to make sure that the deductibles do not start again if I renew?

Thanks,
Praveen

[insubuy]

Your thinking is correct.

Among those 2 plans, I would recommend Patriot America with higher deductible.

You can renew Patriot America as long as you purchase for minimum 3 months initially. After that you can renew for however long you like, minimum 5 days.
No matter how many times you renew (with no gaps), deductible is annual, once in a year.