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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rkotamurthy
07-16 01:41 PM
Signed.
reddymjm
09-25 01:52 PM
Its all right.
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eb3_nepa
02-05 03:57 PM
Hello everyone,
I was just thinking about this the past couple of months and maybe we dont even need to ask for Green cards. MAYBE our approach should be "Let the H4s work". Once husband and wife can both work, the green card can take its time. Right now the Biggest problem with most people is that "my spouse cannot work!". Maybe if we lobby for h4s to be eligible to work that may solve the problem.
Now before this suggestion creates a HUGE "Dhoom", this is JUST a suggestion. The current political climate does not look like it is going to be easy in any way to put any provisions for Green card increases. Besides if the logic is "Let temporary workers be temporary", this approach fits in with that logic, coz we are not asking for GCs (permanent residency), just more temporary EADs.
I was just thinking about this the past couple of months and maybe we dont even need to ask for Green cards. MAYBE our approach should be "Let the H4s work". Once husband and wife can both work, the green card can take its time. Right now the Biggest problem with most people is that "my spouse cannot work!". Maybe if we lobby for h4s to be eligible to work that may solve the problem.
Now before this suggestion creates a HUGE "Dhoom", this is JUST a suggestion. The current political climate does not look like it is going to be easy in any way to put any provisions for Green card increases. Besides if the logic is "Let temporary workers be temporary", this approach fits in with that logic, coz we are not asking for GCs (permanent residency), just more temporary EADs.
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vadicherla
05-08 11:50 PM
I had soft Lud on my application last week and i received Finger Prints for my wife but not for me.
srikondoji
07-11 10:40 AM
Nope. There is no need to wait for actual rejection.
The revised bulletin clearly says that they are going to reject any july applications.
Also, they cannot hold the applications for ever as there will be other potential problems like travel.
So, something should happen between now and the August 1st.
Now that USCIS / DOS know that they have made mistake and also aware that this is exposed to the entire country. So this is what they are doing.
1. Keep all the applications pending so that AILF could not start the lawsuit. ALIF needs rejection proof.
2. Updated their site stating the receipt notice will be sent after Aug 1st, So everyone keeps quiet till this date.
3. I beleive, the Judge will rule out by July 29 saying that itis fault of DOS / USCIS and say they have to accept all the applications which are filed in July leaving the applicants only two days to file.
4. No one can argue that all the ELIGIBLE applicants should be allowed to file. The reason is NOT all the eligible applicants filed in June. Also if you feel that you are eligible for July, then you should have prepared all your application papers ready by July 29. If you cannot file, you are out.
I feel, this is what is going to happen. So better prepare your papers and keep it ready.
The revised bulletin clearly says that they are going to reject any july applications.
Also, they cannot hold the applications for ever as there will be other potential problems like travel.
So, something should happen between now and the August 1st.
Now that USCIS / DOS know that they have made mistake and also aware that this is exposed to the entire country. So this is what they are doing.
1. Keep all the applications pending so that AILF could not start the lawsuit. ALIF needs rejection proof.
2. Updated their site stating the receipt notice will be sent after Aug 1st, So everyone keeps quiet till this date.
3. I beleive, the Judge will rule out by July 29 saying that itis fault of DOS / USCIS and say they have to accept all the applications which are filed in July leaving the applicants only two days to file.
4. No one can argue that all the ELIGIBLE applicants should be allowed to file. The reason is NOT all the eligible applicants filed in June. Also if you feel that you are eligible for July, then you should have prepared all your application papers ready by July 29. If you cannot file, you are out.
I feel, this is what is going to happen. So better prepare your papers and keep it ready.
more...
PresidentO
05-14 12:45 PM
bringing bk the discussion to more serious point. We can all agree that on the surface immigration system here is seems unfair towards Indian, Chinese and Mexicans. Whats the reason behind it? why only three countries which suffers from long waits. Its demand and supply. If there were no country caps, all the visa's will be absorbed by these three countries. Even though it has cost me time and money, i think its the right policy. for a moment imagine there was no country limit, can you imagine for few years to come immigration will be from only these three countries. i think its only fair to limit how many people can come from one specific country.
and one more point, we are never going to get treated with respect and equality, just get used to it. every American knows we left our country to come to his. he is always gonna look down upon us. Immigrants are never treated with love, respect and dignity, no matter which country they go to. Case in point, Bangladeshi and Nepali migrant workers in India. We treat them like dirt back home, so discrimination against immigrants is part of immigration process. hopefully our ABCD offspring's will face less of it :)
Ehh! Perspective. Do you think you can make a case for that?
You asked all of those who are making their case with the US Congress or doing some sort of advocacy to get a life. In other words, in one single sentence, your perspective is that all of us who are working towards improving the system do not have a life. Wow! Did I start off by saying that you dont have a life because you chose to go canada and not India after 6 years of stint in US? NO!. Saying "Get a life" or other catchy phrases is easy. F Y I, hear your ears blared" WE DO HAVE A LIFE". We heard your perspective. Now this is not your evangelizing ground for your perspectives. Damn it! Aren't IV's objectives clear? What harm has IV's objectives caused you? You dont believe them fine. Do what ever you want.
You chose to go to canada because US GC system sucks and you are saying that we are all hypocrites. Got some sense? What are you trying to say? We should all follow your lead and go back to where we came from while you preach one thing and do the quite opposite. Still be a turn coat to your home land and be a boot licker (your own idea of immigrant's not mine ) to canada. Perspective ehh?
You argue that immigrants are treated like dirt. I tell you what, look at the president of United States and say that one more time. As a kid born here out of the main land and raised in the most populous islamic country in the world, he went on to become the president of united states. You are one of those who do not want to become the change you want to see. you just want others and system to change and you will take that change. Go figure Mr Slime. Oh B T W there is no one such as American, except for the native american. You showed your 10 fingers in your mouth with your basic lack of understanding about the country and how it formed.
>>> If there were no country caps, all the visa's will be absorbed by these three countries. Even though it has cost me time and money, i think its the right policy. y. for a moment imagine there was no country limit, can you imagine for few years to come immigration will be from only these three countries. i think its only fair to limit how many people can come from one specific country. <<<
you argue that three countries will dominate immigration. how ever you dont point out the fact or cleverly ignore that all these people were not limited by the system through which they enter but limited by the system only after they enter. Hey we, those from those three countries, are already here. lets implement the country caps through out the high skilled immigration or get rid of them. Enough of your disguise as some one who is logically and rationally for country caps. There is no rationale or logic what so ever in your argument. Perspective. Ehhh! forget that word.
and one more point, we are never going to get treated with respect and equality, just get used to it. every American knows we left our country to come to his. he is always gonna look down upon us. Immigrants are never treated with love, respect and dignity, no matter which country they go to. Case in point, Bangladeshi and Nepali migrant workers in India. We treat them like dirt back home, so discrimination against immigrants is part of immigration process. hopefully our ABCD offspring's will face less of it :)
Ehh! Perspective. Do you think you can make a case for that?
You asked all of those who are making their case with the US Congress or doing some sort of advocacy to get a life. In other words, in one single sentence, your perspective is that all of us who are working towards improving the system do not have a life. Wow! Did I start off by saying that you dont have a life because you chose to go canada and not India after 6 years of stint in US? NO!. Saying "Get a life" or other catchy phrases is easy. F Y I, hear your ears blared" WE DO HAVE A LIFE". We heard your perspective. Now this is not your evangelizing ground for your perspectives. Damn it! Aren't IV's objectives clear? What harm has IV's objectives caused you? You dont believe them fine. Do what ever you want.
You chose to go to canada because US GC system sucks and you are saying that we are all hypocrites. Got some sense? What are you trying to say? We should all follow your lead and go back to where we came from while you preach one thing and do the quite opposite. Still be a turn coat to your home land and be a boot licker (your own idea of immigrant's not mine ) to canada. Perspective ehh?
You argue that immigrants are treated like dirt. I tell you what, look at the president of United States and say that one more time. As a kid born here out of the main land and raised in the most populous islamic country in the world, he went on to become the president of united states. You are one of those who do not want to become the change you want to see. you just want others and system to change and you will take that change. Go figure Mr Slime. Oh B T W there is no one such as American, except for the native american. You showed your 10 fingers in your mouth with your basic lack of understanding about the country and how it formed.
>>> If there were no country caps, all the visa's will be absorbed by these three countries. Even though it has cost me time and money, i think its the right policy. y. for a moment imagine there was no country limit, can you imagine for few years to come immigration will be from only these three countries. i think its only fair to limit how many people can come from one specific country. <<<
you argue that three countries will dominate immigration. how ever you dont point out the fact or cleverly ignore that all these people were not limited by the system through which they enter but limited by the system only after they enter. Hey we, those from those three countries, are already here. lets implement the country caps through out the high skilled immigration or get rid of them. Enough of your disguise as some one who is logically and rationally for country caps. There is no rationale or logic what so ever in your argument. Perspective. Ehhh! forget that word.
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deba
06-13 07:25 PM
Friends, I understand the concept of marrying before and after 485.
My question: Lets say I go ahead and apply for 485. However, my H1 has expired, so I will be traveling on AP. So when I travel outside the US, I am technically not on H1, when I come back...am I right? So, if my spouse wants to apply for H4 visa will she be granted one? Since I had traveled on AP? I am sorry if I confused this with EAD. Bottom line, my H1 stamp has expired and I do not intend to go for another stamping while outside.
My question: Lets say I go ahead and apply for 485. However, my H1 has expired, so I will be traveling on AP. So when I travel outside the US, I am technically not on H1, when I come back...am I right? So, if my spouse wants to apply for H4 visa will she be granted one? Since I had traveled on AP? I am sorry if I confused this with EAD. Bottom line, my H1 stamp has expired and I do not intend to go for another stamping while outside.
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hpandey
07-18 07:40 AM
Dude, You might be a new entry in to the ball of Immigration now. As said earlier , every one is free to judge and post the queries. If IV is shutting door of any questions you wouldnt have seen forum threads. There is enough discussion and direction taken on information being released to ALL members. Why one should complain IV not doing anything ?
here are some atleast, immaterial you agree or not:
1. If ppl are reaping benefits of EAD for multiple years , its becoz of IV.
2. whole of July fiasco was a win becoz of IV , not sure whether you are in the boat, but i can see the pain and how IV helped all of us.
3. all the admin fixes were co-ordinated by IV ,
4. The list goes on.. those 3 above are just enough to prove the help an ORGANIZATION did with minimal resources. Also please note none of the core are full time IV , they are also ppl like you and me.
Reason one has donor forum is becoz they are trusted sources. How can one know that you are pro-immigrant or anti-immigrant.
You would see dialy or minutes updates on sites of anti-immigrants becoz they have dedicated members and number base is too high.
Again , no one is shutting door against you, looking at your post i see you are shutting door against yourself just becoz your idea of Fax through AILA is not acceptable as an IV agenda.
Do you know first of all what provisions in CIR 2007 were in there which would have broke the back of ppl on H1 and potential immigrants? Can you confirm which provisions of CIR 2009 if there be one will help you ? will you support CIR even if it says you have to go back to india in no time ? AILA never mentioned in first place whether it would support EB community.
Plain simple, we pay Dollars even to newspaper ... You dont want to contribute for your own cause but get info for free and prove that will raise for your own cause. Those newsletters are for your benefit and collectively for the whole community.
Still IV is posting info to non-paying members , IV Never shuts its door but with limited resources they are doing what they can. Before complaining on IV you do your part. :cool:
Hope this helps you to rethink differently...
Also , FYI... AILA doesnt post all messages to free members .. all the critical info is circulated via PAID members of AILA.. this is part of any organization ... Can you complain against AILA, becoz if you are FREE member of AILA you still get emails like the one reg. Fax to CIR... There is a lot going in background for CIR than many of us even know...
Well said.
Raji - I don't know how long you have been around since you just started posting. If you want to promote Family Based Immigration go ahead and go for it.
We all at IV are for EB visa recapture and would want to use our energy and resources for that. IV has done a lot of things for us in the past and continues to do so. In fact IV is the ONLY organization that fights for us.
The last CIR was like a bill from hell for us Legals. You can be very sure the coming CIR is going to be like this too ( with the job enviroment so bad ) . Unless we see something concrete helping the EB community in any bill , supporting it doesn't make any sense.
I don't want the transfer of EB unused visas to FB visa category. As such they already have much more visas every year .
here are some atleast, immaterial you agree or not:
1. If ppl are reaping benefits of EAD for multiple years , its becoz of IV.
2. whole of July fiasco was a win becoz of IV , not sure whether you are in the boat, but i can see the pain and how IV helped all of us.
3. all the admin fixes were co-ordinated by IV ,
4. The list goes on.. those 3 above are just enough to prove the help an ORGANIZATION did with minimal resources. Also please note none of the core are full time IV , they are also ppl like you and me.
Reason one has donor forum is becoz they are trusted sources. How can one know that you are pro-immigrant or anti-immigrant.
You would see dialy or minutes updates on sites of anti-immigrants becoz they have dedicated members and number base is too high.
Again , no one is shutting door against you, looking at your post i see you are shutting door against yourself just becoz your idea of Fax through AILA is not acceptable as an IV agenda.
Do you know first of all what provisions in CIR 2007 were in there which would have broke the back of ppl on H1 and potential immigrants? Can you confirm which provisions of CIR 2009 if there be one will help you ? will you support CIR even if it says you have to go back to india in no time ? AILA never mentioned in first place whether it would support EB community.
Plain simple, we pay Dollars even to newspaper ... You dont want to contribute for your own cause but get info for free and prove that will raise for your own cause. Those newsletters are for your benefit and collectively for the whole community.
Still IV is posting info to non-paying members , IV Never shuts its door but with limited resources they are doing what they can. Before complaining on IV you do your part. :cool:
Hope this helps you to rethink differently...
Also , FYI... AILA doesnt post all messages to free members .. all the critical info is circulated via PAID members of AILA.. this is part of any organization ... Can you complain against AILA, becoz if you are FREE member of AILA you still get emails like the one reg. Fax to CIR... There is a lot going in background for CIR than many of us even know...
Well said.
Raji - I don't know how long you have been around since you just started posting. If you want to promote Family Based Immigration go ahead and go for it.
We all at IV are for EB visa recapture and would want to use our energy and resources for that. IV has done a lot of things for us in the past and continues to do so. In fact IV is the ONLY organization that fights for us.
The last CIR was like a bill from hell for us Legals. You can be very sure the coming CIR is going to be like this too ( with the job enviroment so bad ) . Unless we see something concrete helping the EB community in any bill , supporting it doesn't make any sense.
I don't want the transfer of EB unused visas to FB visa category. As such they already have much more visas every year .
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vbkris77
03-10 05:04 PM
EB2I last year got 25K visas. This year, I am thinking we will get double that. Because 1. There are not many ROW labor approvals (Thanks to Atlanta process center) 2. Name check backlog cleared.
Sorry I am not looking at EB3. No news is good for that.. Sorry..
Sorry I am not looking at EB3. No news is good for that.. Sorry..
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chicago60607
09-17 11:24 AM
Started finallyyyyyyyyy ........... but no audio yet
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pani_6
06-12 03:04 PM
lots of EB3 qualify for EB-2 after such a long wait and in the first case they were put into eb3 although they could have gone to eb2...
I cant believe that EB-3 is at 2001 when we are getting to 2009..its really a shame on the system
if this is how they treat people the entire h1b needs to be scrapped or people spend thier decades in slavery working this unpredictable system thinking that they will get in next few months..its like chasing a mirage in the desert....
I cant believe that EB-3 is at 2001 when we are getting to 2009..its really a shame on the system
if this is how they treat people the entire h1b needs to be scrapped or people spend thier decades in slavery working this unpredictable system thinking that they will get in next few months..its like chasing a mirage in the desert....
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PlainSpeak
04-19 07:26 PM
Fully agree with each word you said. Many people with legit US education (not TVU kind that many not so educated people on this forum are taking shelter under the umbra of) who have been in the US for more than 10 years are still lawfully waiting in the line. And this idiot with a BCOM and MCA ( correspondence course from IGNOU) is dreaming of porting into EB2 and screw us up. Shame on USCIS and Shame on DOL. I am really concerned that if legit EB2 applicants don't talk to lawmakers and send emails to USCIS, we will be stuck here for years due to these fradulent porting.
getgreensoon1....
Do you even think before you open your mouth !!!!!!!!! ????????
getgreensoon1....
Do you even think before you open your mouth !!!!!!!!! ????????
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Vexir
06-16 10:07 PM
amazing. How did you do that intricate vector? i really want to know =)
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rimzhim
02-01 04:54 PM
Anti-immigrants can not be able to pick on this, because Retrogression will worsen all these things. Those people will continute to work with those desi consulting companys irrespective of the fact that they have GCs or not, because they cannot stand on their own feet.
If the retrogression goes away then people with good skills can move freely in the market and will be more readily available to the market. In fact that would harm thse companys big time. Currently both good and not so good people are hostage in the hands of these companys and these companys are sort of dictating the makket conditions.
In economic terms the difference is same as Free market and monopolistic market.
thx. this is enlightening for me! survival of these companies hurts ppl with high skills, it increases retrogression, and it untimately harms the economy as well.
If the retrogression goes away then people with good skills can move freely in the market and will be more readily available to the market. In fact that would harm thse companys big time. Currently both good and not so good people are hostage in the hands of these companys and these companys are sort of dictating the makket conditions.
In economic terms the difference is same as Free market and monopolistic market.
thx. this is enlightening for me! survival of these companies hurts ppl with high skills, it increases retrogression, and it untimately harms the economy as well.
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sreedhar
10-29 10:11 AM
First of all I didn't understand the sentence "QUIT AMERICA MOVEMENT FOR OUR FREEDOM AND INDEPENDENCE". Well...Freedom or Independence for what...? Of course for Green Card. But you have to remember one thing here..."Green Card" is just one of the privilege for H1-B or Family Based. This is not your Right get from your Born country to fight for another country GC....
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jayram123
07-18 11:23 AM
Let's pick up where we left off before this July 2 visa bulletin debacle (and the resulting struggle). Though the whole fiasco did get us our first taste of success, imho, and as such isn't insignificant by any measure.
Jazz
Let us do that. Please!! We can't stop now. We need to fight to fix the broken system. Let's get ideas on what all we would like and suggest to core. I am sure they know already but it helps to know what everyone else is thinking, right?
1) I would like to get opinion from CORE if we need to support the SKIL bill that is being re-introduced by Senator John Cornyn
2) Need to have a way to re-capture visa numbers
What are the other things that we would like
Jazz
Let us do that. Please!! We can't stop now. We need to fight to fix the broken system. Let's get ideas on what all we would like and suggest to core. I am sure they know already but it helps to know what everyone else is thinking, right?
1) I would like to get opinion from CORE if we need to support the SKIL bill that is being re-introduced by Senator John Cornyn
2) Need to have a way to re-capture visa numbers
What are the other things that we would like
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m306m
12-13 03:52 PM
Jazz,
As far as the fund drive is concerned I disagree that without the VB we would have not reached our goal We over 22.5K in 6 days. The VB provided a push but I am sure we could have collected the remaining 7.5K in 24 days.
Do you think the drive would have reached its original goal yesterday/early today without the January visa bulletin retrogressing us even further...?
I have my doubts about that... :)
And how far in the past would we need to retrogress to get another funding drive done...?
jazz
As far as the fund drive is concerned I disagree that without the VB we would have not reached our goal We over 22.5K in 6 days. The VB provided a push but I am sure we could have collected the remaining 7.5K in 24 days.
Do you think the drive would have reached its original goal yesterday/early today without the January visa bulletin retrogressing us even further...?
I have my doubts about that... :)
And how far in the past would we need to retrogress to get another funding drive done...?
jazz
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miceelf88
01-08 03:25 PM
Bartely any movement for ROW either. How does the visa bulletin move to the state projected in the Jan bulletin.
Does anyone know whether State's fiscal year ends in June or September?
Does anyone know whether State's fiscal year ends in June or September?
cooldesi
04-02 09:38 PM
I agree with this part. The moment employer knows that job offer is no longer valid, he should withdraw h1. Since he did not do that, it would work agsinst him.
Dol only understands two dates approval date and date of withdrawal.
To me this employer looks more stu**d than evil.
Dol only understands two dates approval date and date of withdrawal.
To me this employer looks more stu**d than evil.
go_guy123
02-01 08:16 PM
Guys
I know an instance where a big american pay roll company got people from india on business visa and made them work for $50 per day and the poor guys were slogging more than 10 hours a day.
Ofcourse the manager is a desi ..
I know even Accenture brings people on B1 visa @ 50 dollars a day
I know an instance where a big american pay roll company got people from india on business visa and made them work for $50 per day and the poor guys were slogging more than 10 hours a day.
Ofcourse the manager is a desi ..
I know even Accenture brings people on B1 visa @ 50 dollars a day