bill2_smith
01-16 09:50 PM
hi,
my parents will be travelling to the US in a couple of months, and I was looking for health insurance for them. Based on various forums, looks like US companies are preferable to insurance bought from india (and as per forums, ICICI lombard seems to have the most negative reviews among the indian firms).
Anyways - has anyone used insu buy .com to buy medical insurance for their parents, and had to make a claim? They seem to be an insurance broker -- so the insurance company will be a third party, but they (insu_buy) seems to claim that they will also help out with claims in case of any issues.
Anyone have any experience buying + claiming insurance via ? (and if so, what was the insurance company that sold the claim via ?)
I searched immigration voice forums for "insu buy" but though there are many threads about medical insurance for parents, there doesnt seem to be any mention of -- so any experiences shared will be helpful.
Thanks in advance!
PS: Looks like the IV forum is automatically filtering out [insu buy] and [buy american insurance] if i remove spaces from the words -- probably an anti spam measure. Hence i've put spaces between the "insu" and "buy" & between "buy" and "american insurance" -- without it, when i preview my message before posting, the words seem to get auto filtered out of the message!! (anyone seen anything like this before?!!)
Are you Millionaire?Do you have lot of money or lot of savings? Even with US passport the moment citizens cross 50 years they are on death bed in US. One hour in emergency room (just hello and goodmorning) in public hospital cost $1000.Its a capatilist country and they dont care about people and even citizens.If you come to US then dont get ever sick. I know in Canada and UK taxes are high but when you need services NHS and other agencies are always there to help you and protect you. It takes 1000 days in Canada for parents to get PR and after PR they are all eligible to use Canadian free public health system.20000 pages of new Obama's health care reform and it does nothing regarding pre-existing conditions, immigrants,high deductibles and aged US citizens.Even full time employeed people with employer insurance really have to fight very hard to get their insurance pay for necessary medical services in US.Its because all insurance companies are always looking for bogus and false reasons to just deny even ligitimate claims.
I strongly suggest all indians and immigrants to please dont ever grow old or sick in USA otherwise your American dream will give its real nightmare reality.
my parents will be travelling to the US in a couple of months, and I was looking for health insurance for them. Based on various forums, looks like US companies are preferable to insurance bought from india (and as per forums, ICICI lombard seems to have the most negative reviews among the indian firms).
Anyways - has anyone used insu buy .com to buy medical insurance for their parents, and had to make a claim? They seem to be an insurance broker -- so the insurance company will be a third party, but they (insu_buy) seems to claim that they will also help out with claims in case of any issues.
Anyone have any experience buying + claiming insurance via ? (and if so, what was the insurance company that sold the claim via ?)
I searched immigration voice forums for "insu buy" but though there are many threads about medical insurance for parents, there doesnt seem to be any mention of -- so any experiences shared will be helpful.
Thanks in advance!
PS: Looks like the IV forum is automatically filtering out [insu buy] and [buy american insurance] if i remove spaces from the words -- probably an anti spam measure. Hence i've put spaces between the "insu" and "buy" & between "buy" and "american insurance" -- without it, when i preview my message before posting, the words seem to get auto filtered out of the message!! (anyone seen anything like this before?!!)
Are you Millionaire?Do you have lot of money or lot of savings? Even with US passport the moment citizens cross 50 years they are on death bed in US. One hour in emergency room (just hello and goodmorning) in public hospital cost $1000.Its a capatilist country and they dont care about people and even citizens.If you come to US then dont get ever sick. I know in Canada and UK taxes are high but when you need services NHS and other agencies are always there to help you and protect you. It takes 1000 days in Canada for parents to get PR and after PR they are all eligible to use Canadian free public health system.20000 pages of new Obama's health care reform and it does nothing regarding pre-existing conditions, immigrants,high deductibles and aged US citizens.Even full time employeed people with employer insurance really have to fight very hard to get their insurance pay for necessary medical services in US.Its because all insurance companies are always looking for bogus and false reasons to just deny even ligitimate claims.
I strongly suggest all indians and immigrants to please dont ever grow old or sick in USA otherwise your American dream will give its real nightmare reality.
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snram4
01-09 10:29 AM
It is easy to say than do. Flower Compaign worked once because they made a mistake. They can return the flowers to the senders. You cannot make law change in the divided issue that much easily.Hunger Strike could lead legal issues for participants some times. So that is impractical. For arranging rallies IV volunteers may have to work for months to organise. After some people's hardwork only a few hundred people will turn up. So rally will become get together.
I totally agree with you, I used to visit IV a lot, but was just disappointed with the results from some of its members. Not to blame IV core team, but other members who would just come and read blogs. Specially EAD holder's, I hope their eyes are opening up to new realities. Yesterday, my sister in law entered USA from Newark Airport and she witnessed three people holding HIB visas get cancelled at the immigration point, one had EAD.
All we Desi's want is a free ride, same old mentality, don't want to put in any diligence in this matter, but very quick on pointing short comings on others. Blame game!
Point is, we all need to do something radical, sending flowers again and holding a hunger strike, otherwise, keep coming to IV and keep getting disappointed.
Papu, maybe you can hold something up for once. Schedule a date for some event.
I totally agree with you, I used to visit IV a lot, but was just disappointed with the results from some of its members. Not to blame IV core team, but other members who would just come and read blogs. Specially EAD holder's, I hope their eyes are opening up to new realities. Yesterday, my sister in law entered USA from Newark Airport and she witnessed three people holding HIB visas get cancelled at the immigration point, one had EAD.
All we Desi's want is a free ride, same old mentality, don't want to put in any diligence in this matter, but very quick on pointing short comings on others. Blame game!
Point is, we all need to do something radical, sending flowers again and holding a hunger strike, otherwise, keep coming to IV and keep getting disappointed.
Papu, maybe you can hold something up for once. Schedule a date for some event.
willgetgc2005
11-13 03:58 PM
CIR will be as controversial as ever. SKIL, if any is our best bet.
CIR seems to be a perpetual wait. Both parties will not close it.
They need big issues to bicker and promise the electorate
for the next election.
IRAQ and CIR will be those big tickets they will use as levers.
Sorry to sound negative, but it is just the way I see it.SKIL is our only option, IF AT ALL. CIR is just an illusion and who knows if our provisions will be in CIR even if it becomes a reality ??!!!
_________________________________________________
CIR seems to be a perpetual wait. Both parties will not close it.
They need big issues to bicker and promise the electorate
for the next election.
IRAQ and CIR will be those big tickets they will use as levers.
Sorry to sound negative, but it is just the way I see it.SKIL is our only option, IF AT ALL. CIR is just an illusion and who knows if our provisions will be in CIR even if it becomes a reality ??!!!
_________________________________________________
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sanju
09-24 01:24 AM
Since we are getting to know each other better, just to let you know, I am a big fan of Frank Caliendo. So while I write a reply, you could watch this -
SIxFyU0gIpE
see, how much I care about you.
SIxFyU0gIpE
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more...
kumar1
08-25 03:01 PM
I would like to propose your name for Nobel Prize.
Well, you can do PD porting :D :D. Adopt a 16-17 year American citizen kid(?), and you will be good to go soon. I guess you cant really adopt people beyond 18 years, but if you can, it will be like PD-porting to EB1 !! ;)
Well, you can do PD porting :D :D. Adopt a 16-17 year American citizen kid(?), and you will be good to go soon. I guess you cant really adopt people beyond 18 years, but if you can, it will be like PD-porting to EB1 !! ;)
belmontboy
06-13 09:35 PM
Type 2001 2002 2003 2004 2005 2006 2007
EB1-All 41,672 34,168 14,453 31,291 64,731 36,960 26,697
EB2-All 42,550 44,316 15,406 32,534 42,597 21,911 44,162
EB3-All 85,847 88,002 46,415 85,969 129,070 89,922 85,030
EB-All 179,195 174,968 82,137 155,330 246,878 159,081 155,889
EB1-I 3,543 2,820 1,266 2,998 6,336 3,156 2,855
EB2-I 21,355 21,310 8,536 16,262 16,687 3,720 6,203
EB3-I 16,339 17,354 10,647 19,889 23,250 3,006 17,795
EB-I 41,720 41,919 20,818 39,496 47,160 17,358 26,853
Overall EB3 has got more numbers than EB2 in last 7 years for all and india specific grouping.
I think EB3 has received its fair share from spill over [atleast for india]. The real problem is that there are simply tooo many people in EB3.
I am not sure why u would still think "EB3-India -- Most Unfortunate/Effected Category "!
EB1-All 41,672 34,168 14,453 31,291 64,731 36,960 26,697
EB2-All 42,550 44,316 15,406 32,534 42,597 21,911 44,162
EB3-All 85,847 88,002 46,415 85,969 129,070 89,922 85,030
EB-All 179,195 174,968 82,137 155,330 246,878 159,081 155,889
EB1-I 3,543 2,820 1,266 2,998 6,336 3,156 2,855
EB2-I 21,355 21,310 8,536 16,262 16,687 3,720 6,203
EB3-I 16,339 17,354 10,647 19,889 23,250 3,006 17,795
EB-I 41,720 41,919 20,818 39,496 47,160 17,358 26,853
Overall EB3 has got more numbers than EB2 in last 7 years for all and india specific grouping.
I think EB3 has received its fair share from spill over [atleast for india]. The real problem is that there are simply tooo many people in EB3.
I am not sure why u would still think "EB3-India -- Most Unfortunate/Effected Category "!
more...
pansworld
12-02 01:43 AM
We can always convey that the amounts can and will be adjusted based on need. But let's set a target. Disclose the goals. Not the exact dates and times and the kinds of meetings being attended nor do we need a detailed daily report of how the money will be spent. That is micro reporting and I think we all trust IV enough to know that the money is being well spent. All targeted funding drives help us do is plan better and focus better.
Let's be vigilant and worry about the things we can worry about.
Getting a little philosophical:
I agree with you that the outside world is cruel. But the journey's been alright till now hasn't it. I was a huge supporter of the Gandhigiri campaign and was one of the primary reasons why I got involved with IV in the first place and am proud of it. We need more voices and more participation.
Let's be vigilant and worry about the things we can worry about.
Getting a little philosophical:
I agree with you that the outside world is cruel. But the journey's been alright till now hasn't it. I was a huge supporter of the Gandhigiri campaign and was one of the primary reasons why I got involved with IV in the first place and am proud of it. We need more voices and more participation.
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mhathi
12-13 09:29 AM
I am not able to start and feel that there is already hidden membership is there. Is there any thuth in this feeling? How does IV is working in terms of access rights?
IV is already not member friendly. With 25,000 members, raising 30,000 is getting so difficult. Why so? I once posed the question and moderators conveniently deleted it.
We collected 30,000 in eight days. I would not call that so difficult...
Sure it could have been better... but thats the question members should ask themselves, not the CORE or the volunteers.
IV is already not member friendly. With 25,000 members, raising 30,000 is getting so difficult. Why so? I once posed the question and moderators conveniently deleted it.
We collected 30,000 in eight days. I would not call that so difficult...
Sure it could have been better... but thats the question members should ask themselves, not the CORE or the volunteers.
more...
somegchuh
08-01 03:32 PM
I agree that MBa can help your career but I am not sure what kind of return I can get for 3 years and 50 K.
---------------
In my opnion starting your own business is always a good idea, of course with uncertainities with GC process it is another risk added to the enterprise.
In my opinion, doing an MBA from a good school can open up doors to further growth in a comapny. With jsut technical skills it can get stagnated.
Age should not be a restraint, but with age comes other responsibilities of familiy etc, those could be more limiting.
I think doing MBA from a good institute is good idea, India is really humming and has lot of growth opportunities for MBAs.
---------------
In my opnion starting your own business is always a good idea, of course with uncertainities with GC process it is another risk added to the enterprise.
In my opinion, doing an MBA from a good school can open up doors to further growth in a comapny. With jsut technical skills it can get stagnated.
Age should not be a restraint, but with age comes other responsibilities of familiy etc, those could be more limiting.
I think doing MBA from a good institute is good idea, India is really humming and has lot of growth opportunities for MBAs.
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tampacoolie
09-29 12:59 PM
I have noticed this on previously approved H1 Transfer petition.
Any thoughts?
Application Type: I129, PETITION FOR A NONIMMIGRANT WORKER
Current Status: Duplicate notice sent.
On September 28, 2007, a duplicate notice on this case was mailed describing how we will process your case. Please follow any instructions on the notice. If this I129 PETITION FOR A NONIMMIGRANT WORKER is still pending, you will be notified by mail when a decision is made, or if the office needs something from you. If you move while this case is pending, call customer service. If this case is still pending, we process each kind of case in the order we receive them. You can use our processing dates to estimate when this case will be done. This case is at our VERMONT SERVICE CENTER location. Follow the link below for current processing dates. You can also receive automatic e-mail updates as we process your case. Just follow the link below to register.
Any thoughts?
Application Type: I129, PETITION FOR A NONIMMIGRANT WORKER
Current Status: Duplicate notice sent.
On September 28, 2007, a duplicate notice on this case was mailed describing how we will process your case. Please follow any instructions on the notice. If this I129 PETITION FOR A NONIMMIGRANT WORKER is still pending, you will be notified by mail when a decision is made, or if the office needs something from you. If you move while this case is pending, call customer service. If this case is still pending, we process each kind of case in the order we receive them. You can use our processing dates to estimate when this case will be done. This case is at our VERMONT SERVICE CENTER location. Follow the link below for current processing dates. You can also receive automatic e-mail updates as we process your case. Just follow the link below to register.
more...
waitnwatch
04-21 11:00 AM
I sent a contribution ($100) a couple of days ago. Hopefully it has got to you guys.
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hopefulgc
08-19 05:07 PM
Mr. desi####,
Your excitement is understandable, and so is your need to be here and let everyone know about your fulfillment.
Unfortunately, this situation is analogous to riding into a starving town and waving your loaf of cake (bread = GC, cake = USCzip) at the hungry and the poor.
How do you think it is going to make an EB3 feel who has been here just about as much time as you have been but is still waiting for his date to get current so he can expect some action?
When people here report their GC approval they do it because it helps others who are waiting know what their filing dates, PD, etc was.
Moderation requested.
Congratulations!
Finally I am a US citizen after being 10+ years in this country. This is one of my biggest fulfillments and it means everything to me. US is just not home anymore for me, it is my country.
I wish everyone the best and hope they get GC very soon.
Proud to be an indian-american and legal immigrant.
Good Luck!
Your excitement is understandable, and so is your need to be here and let everyone know about your fulfillment.
Unfortunately, this situation is analogous to riding into a starving town and waving your loaf of cake (bread = GC, cake = USCzip) at the hungry and the poor.
How do you think it is going to make an EB3 feel who has been here just about as much time as you have been but is still waiting for his date to get current so he can expect some action?
When people here report their GC approval they do it because it helps others who are waiting know what their filing dates, PD, etc was.
Moderation requested.
Congratulations!
Finally I am a US citizen after being 10+ years in this country. This is one of my biggest fulfillments and it means everything to me. US is just not home anymore for me, it is my country.
I wish everyone the best and hope they get GC very soon.
Proud to be an indian-american and legal immigrant.
Good Luck!
more...
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qualified_trash
04-19 10:59 AM
Is there a contributions counter somewhere on this website?? If not can we have one on the Home page. Helps us to get others to contribute!!
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anurakt
11-13 04:19 PM
Hello anurakt,
Thank for contributing again to IV. You and other members like yourself would be the reason for IVs success in changing the flawed green card system.
Thank you for encouraging other IV members for contributing. As you know, this is very important and more amongst us should encourage our fellow IV members to contribute. Often times it is evident that few IV members are struggling to keep a positive tone on the forums. As you may have experienced, it is easy to post few messages here and there. The message of some of these posts is to throw out ideas for others to implement. But in the end, the success of our community will depend on the contribution from kind members like you. Thank You.
Regards,
WaldenPond
U r welcome ! I will put in more in coming days . I just wish people understand that we are in a good spot and need make the most of it. Wothout money this will not be possibel. At the end of the day I don't want to be left stranded just because I couldn't contribute even a buck.
Thank for contributing again to IV. You and other members like yourself would be the reason for IVs success in changing the flawed green card system.
Thank you for encouraging other IV members for contributing. As you know, this is very important and more amongst us should encourage our fellow IV members to contribute. Often times it is evident that few IV members are struggling to keep a positive tone on the forums. As you may have experienced, it is easy to post few messages here and there. The message of some of these posts is to throw out ideas for others to implement. But in the end, the success of our community will depend on the contribution from kind members like you. Thank You.
Regards,
WaldenPond
U r welcome ! I will put in more in coming days . I just wish people understand that we are in a good spot and need make the most of it. Wothout money this will not be possibel. At the end of the day I don't want to be left stranded just because I couldn't contribute even a buck.
more...
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wait4ever
08-12 12:34 PM
:)I have used AIG for my in-laws visit and didn't had to use it. Why can't we add them to our insurance as dependants? Did anyone tried this?
You cannot add parents to your insurannce specially if it is provided through your employer - the group insurance covers only nuclear family.
Using any India based insurance is extremely risky - I know a family that went through hell and finally paid $18000 to get urgent care for their mother when she developed some tremors - this was the first time she ever got those and the India guys said it is pre-existing and denied - later the doc in India found out it was a allergic response to the pollen in Vermont. How could that be pre existing ?
The other problem is with insurance recognition - most urgent care facilities do not recognize the India insurance or at the very least treat it with extreme skepticism - best is to use US insurance in case there are questions atleast you have a local 800 number for the hospital to call.
These are your parents and this is the US health care system - spend a few hundred more and be safe.
You cannot add parents to your insurannce specially if it is provided through your employer - the group insurance covers only nuclear family.
Using any India based insurance is extremely risky - I know a family that went through hell and finally paid $18000 to get urgent care for their mother when she developed some tremors - this was the first time she ever got those and the India guys said it is pre-existing and denied - later the doc in India found out it was a allergic response to the pollen in Vermont. How could that be pre existing ?
The other problem is with insurance recognition - most urgent care facilities do not recognize the India insurance or at the very least treat it with extreme skepticism - best is to use US insurance in case there are questions atleast you have a local 800 number for the hospital to call.
These are your parents and this is the US health care system - spend a few hundred more and be safe.
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rkg000
04-20 06:15 PM
It seems that some of us want to fight, but don't have a dedicated thread. Instead we have been hijacking other useful threads.
What I propose here is a FIGHT THREAD.
Yes, this is a copycat idea from FIGHT CLUB
How we go about:
1.) Establish a dedicated thread - just for fighting.
2.) At a pre-determined time (of day or night), fighters login.
3.) They start fighting and all posts/fights will be restricted to FIGHT THREAD only.
4.) Fight ends at a specificed time.
5.) Fighters take a break until the next schedule (may be daily or thrice a week)
6.) Fighters donot desecrate other threads, if they do, they will be banned from FIGHT THREAD.
how's the idea :D?
Lets lay down the rules.
Rule#1 There are No Rules
Rule#2 There shall be No Rules
Rule#3 There will be No Rules
Its freestyle.
What I propose here is a FIGHT THREAD.
Yes, this is a copycat idea from FIGHT CLUB
How we go about:
1.) Establish a dedicated thread - just for fighting.
2.) At a pre-determined time (of day or night), fighters login.
3.) They start fighting and all posts/fights will be restricted to FIGHT THREAD only.
4.) Fight ends at a specificed time.
5.) Fighters take a break until the next schedule (may be daily or thrice a week)
6.) Fighters donot desecrate other threads, if they do, they will be banned from FIGHT THREAD.
how's the idea :D?
Lets lay down the rules.
Rule#1 There are No Rules
Rule#2 There shall be No Rules
Rule#3 There will be No Rules
Its freestyle.
more...
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laborchic
12-09 05:33 PM
Bump Bump..
Folks dont let this thread die..
Moderators can we have link of this thread posted on the homepage????
Folks dont let this thread die..
Moderators can we have link of this thread posted on the homepage????
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singhsa3
05-23 02:45 PM
And the list is growing.
So please continue to call!
So please continue to call!
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abhijitp
12-03 01:35 PM
Is this a legal option for a non profit? If so, I suggest we go for it!
Here is one scheme I have been thinking about:
1. Every week members donate any amount they like over paypal
2. At the end of the week one of them is selected and refunded 2 times his contribution amount
3. To make things interesting and ensure the scheme "helps" and not "hurts" IV: Change the selection process every once in a while e.g. One week you select the user who has donated an "average" amount, but next week you select the "highest" donor, in the 3rd week you select the "5th" name in the donor's list irrespective of his amount, and so on.
e.g.
consider the following players/amounts in a given week:
user1: $20
user2: $100
user3: $10
user4: $45
user5: $25
user6: $50
user7: $25
user8: $5
user9: $10
user10: $100
________
Total: $390
Divide by 10 users: $39
This week's selection process: Select the "average" donor.
Who donated an amount closest to the average? : user4 ($45)
Therefore, refund user4 for $90
What IV received in the process: $390- $90 = $300
The other BIG question is: what incentive do people then have to sign up for monthly contributions, which is clearly the preferred way of contributing as it helps in planning and budgeting? The answer would probably be "bigger" prizes for those who sign up for monthly contributions!
Of course... if only people realize there can be no greater incentive than receiving your Green Card sooner/ being able to apply for AOS any time after LC/PERM stage is cleared.... we would not have to care about all these fancy ideas!
Too bad people can't see what is "2+2" until it is shown as 2*2*2 - 2^2!
Here is one scheme I have been thinking about:
1. Every week members donate any amount they like over paypal
2. At the end of the week one of them is selected and refunded 2 times his contribution amount
3. To make things interesting and ensure the scheme "helps" and not "hurts" IV: Change the selection process every once in a while e.g. One week you select the user who has donated an "average" amount, but next week you select the "highest" donor, in the 3rd week you select the "5th" name in the donor's list irrespective of his amount, and so on.
e.g.
consider the following players/amounts in a given week:
user1: $20
user2: $100
user3: $10
user4: $45
user5: $25
user6: $50
user7: $25
user8: $5
user9: $10
user10: $100
________
Total: $390
Divide by 10 users: $39
This week's selection process: Select the "average" donor.
Who donated an amount closest to the average? : user4 ($45)
Therefore, refund user4 for $90
What IV received in the process: $390- $90 = $300
The other BIG question is: what incentive do people then have to sign up for monthly contributions, which is clearly the preferred way of contributing as it helps in planning and budgeting? The answer would probably be "bigger" prizes for those who sign up for monthly contributions!
Of course... if only people realize there can be no greater incentive than receiving your Green Card sooner/ being able to apply for AOS any time after LC/PERM stage is cleared.... we would not have to care about all these fancy ideas!
Too bad people can't see what is "2+2" until it is shown as 2*2*2 - 2^2!
shortduck
09-11 11:15 AM
Hi letstalklc
Thanks for your reply.
"SBI will update only once in the morning" Just wanted know the morning of India or USA ?
Ok, I just did myself and man you are RIGHT.
Today's exchange rate is [USD 4001 10000 48.07]
and I got ($$$ X 48.07) - 25.
Many thanks for the knowledge.
I am not sure if ICICI also does the same, because I too have stooped using their service. And you know what, I called when once when I had a very bad exchange rate given. I said that I will quit using your service and surprise surprise they didn't care. And ,now, So Do I.
Thanks for your reply.
"SBI will update only once in the morning" Just wanted know the morning of India or USA ?
Ok, I just did myself and man you are RIGHT.
Today's exchange rate is [USD 4001 10000 48.07]
and I got ($$$ X 48.07) - 25.
Many thanks for the knowledge.
I am not sure if ICICI also does the same, because I too have stooped using their service. And you know what, I called when once when I had a very bad exchange rate given. I said that I will quit using your service and surprise surprise they didn't care. And ,now, So Do I.
ilikekilo
03-03 08:41 PM
I bought Patriot America by img global for my parents. We had to take my mother to ER. The total claim was close to 10k and to my surprise imgglobal did pay exactly as whatever it said. It is not a pre existing condition. Based on my research, nobody covers a pre existing condition.
The advantage of using the american, comprehensive policy is, the hospital took the insurance card, no questions asked. Send me a PM if you want more details as it was really painful in the first place to go to ER, let alone worry about insurance.
good to know taht img is decent...however iam not sure how many months tehy took to take care of that claim..we still have cl\aims from december...
thanksjgh for ur post..
The advantage of using the american, comprehensive policy is, the hospital took the insurance card, no questions asked. Send me a PM if you want more details as it was really painful in the first place to go to ER, let alone worry about insurance.
good to know taht img is decent...however iam not sure how many months tehy took to take care of that claim..we still have cl\aims from december...
thanksjgh for ur post..