All posts by nriolpr

Chiranth Nataraj is the President & CEO of International Services, Inc. International Services, Inc. provides a variety of insurance products for people studying, traveling or immigrating outside their home country. Our offerings include package trip medical insurance, visitor medical insurance, travel medical insurance, international student health insurance, immigrant health insurance and global or international health insurance.
Financial, Travel

Changes to International Student Health Insurance

Leave a comment

The latest international student health insurance plan benefit and rate changes have been incorporated in the popular student insurance comparison engine at, www.zinternationalstudent.com. The website offers a wide range of international student insurance, exchange student insurance, and study abroad health insurance.

These plans are available for both foreign students enrolling at US universities and US students going overseas for study abroad programs. The website permits comparing plans from various carriers and makes it easy for users to identify unique benefits that make each plan different from the other.

The first quarter of 2011 has seen numerous changes in rates, benefits & exclusions and the latest update helps students and program coordinators shop for the best value insurance. For example, one of the popular plans in the J visa exchange student community saw a steep increase in rates for dependant children less than 5 years.

US students pursuing a study abroad program are forced to seek coverage outside of their regular domestic HMO or PPO plan because these plans offer very limited or no coverage outside the US. Besides, the international student insurance plans offer the medical evacuation and repatriation for returning home (these benefits are typically absent with HMO and domestic PPO plans).

If you’re coming to the United States under a student exchange program, you will be required to have a valid J1 insurance policy for the duration of the program. If you’re stay is of limited duration, then there are plans that cover trips as short as five days and can is renewable if you choose the right plan.

Chiranth Nataraj, CEO of International Services, Inc said, “it is important for students to check with student advisors on the latest minimum insurance requirements so that they can easily pick a plan that meets all the requirements. When one knows what is required then our website will help you pick a plan within 2 minutes”.

Sometimes, individual preferences go beyond the minimum requirements specified by the University. The discerning can seek out plans that cover preexisting conditions, pregnancies, mental health etc; while the cost conscious can purchase the bare minimum and save on premium.

Finding value in insurance premiums and benefits has been made easy by the updates at www.zinternationalstudent.com; the site remains invaluable for international students and their advisors.

Chiranth Nataraj

President, CEO

International Services Inc.

529 Barnsley Terrace

Glen Allen, VA 23059

877-593-5403

Financial, Healthcare

Patriot America Insurance Rate Hold Extended till July

Leave a comment

Premium rates for Patriot America Insurance shall continue unchanged till end of July 2011. Patriot America Insurance is a popular visitor insurance for USA tourists and is offered at www.epatriotamericainsurance.com. The old rates from 2010 shall apply for all new plan enrollments till July 31, 2011. The plan administrators have announced that the current market conditions permitted them to hold the rates till midyear.

Patriot america insurance over the last several years has been very popular with US visitors and tourists. The plan primarily provides coverage for medical expenses for sickness or injuries incurred by foreign citizens visiting the US. Coverage includes for both in-patient and out-patient expenses. Incidents can be as simple as the flu or a life threatening accident.

The current policy offers overall coverage plan limits ranging from $50,000 to $1,000,000 per person. Non US citizens can be covered anywhere outside their home country; so the same plan can cover the person in USA and other countries (outside the country of citizenship). Coverage can be purchased for as short as 5 days and coverage can be purchased for up to two years.

Depending on the circumstances surrounding the trip, additional coverage options are available: adventure sports, enhanced accidental death and dismemberment, and citizenship return. Visitors to the US have provided favorable patriot america insurance reviews for the last several years.

“This means you and your clients can take advantage of the same affordable premiums as the spring and summer travel seasons heat up” explained a company representative, when asked about the policy updates.

International Services, Inc., an insurance agency specializing on visitor insurance and short term health insurance operates http://www.epatriotamericainsurance.com/. A company representative said, “we excel in employing technology to present information to our customers in a comprehensive manner.” “Furthermore, we strive to provide and maintain a high level of customer service all week long, day in and day out.”

Chiranth Nataraj
International Services Inc.
5529 Barnsley Terrace
Glen Allen, VA 23059

Financial, Healthcare, Travel

Atlas America Insurance Recent Updates

Leave a comment

Recent changes to rates and benefits of atlas america insurance plan appear to have been received well in the market. atlas america insurance offered at www.eatlasamericainsurance.com is an insurance policy for non-US citizens visiting the United States, whether it is for business, pleasure or study.

The premium rates in most age brackets had seen an increase. The biggest increase in premiums was in the senior age bracket. This has been explained by an experienced insurance agent marketing the plans as, “we had seen this coming. There are thousands of seniors touring and visiting family in the US; the older generation has had the most hospitalizations.”

US Hospitalization bills can shock foreign travelers visiting the US. A single day at a US hospital can cost anywhere from a few thousand dollars to several thousand dollars. The cost can vary depending on the services rendered and the geographical location of the service provider. Prudent travelers to the US protect their travels with one of the many travel health insurance plans available in the open market like the Atlas America insurance.

The plan administrators also revised the plan to exclude coverage for medical bills arising from treatment of injuries sustained during participation in inter-collegiate, inter-scholastic, intramural and club sports/activities. “Once again, claims history and experience has forced this revision. Injuries during these organized sports are very common; treating & mending broken ankles and wrists are not cheap in the US” said the same insurance agent.

These plan revisions take little away from the favorable atlas america insurance experience US visitors and travelers have had over the years. The plan continues to be one of the best visitor insurance products in the market. The many years of experience of the staff providing the policy claims and service makes it one of the most reliable plans.

International Services Inc. a leading visitor health insurance and international student insurance agency operates
www.eAtlasAmericaInsurance.com featuring the Atlas America Insurance policy. “We have earned the trust of our clients by providing good solutions. The Atlas plan is indeed good value for the money” said Chiranth Nataraj, CEO of the company.

Chiranth Nataraj
International Services, Inc
5529 Barnsley Terrace
Glen Allen, VA 23059

Financial, Healthcare, Travel

iExpatriateHealthInsurance.com Updated To Reflect Changes in Insurance Companies Policies

Leave a comment

Due to the recent health insurance legislation, Insurance Companies offering expatriate health insurance have had to make changes to their policies in order to comply with the US Healthcare reform act. To reflect these changes, http://www.iexpatriatehealthinsurance.com has updated its expat health insurance plan comparison engine.

http://www.iexpatriatehealthinsurance.com features plans underwritten by insurance carriers with a rating of A- or better. By working with only the most trusted and sound insurance companies, they are able to offer the best available expat medical insurance policies.

With their regularly updated plan comparison engine, you can be assured that you’re always getting the current quotes. “With all the options out there and all the changes taking place, it is our duty to ensure that you have all the information required to make an informed decision,” a representative was quoted as saying.

Whether living abroad, or just vacationing internationally, health insurance for expatriates is one of the best ways for protection overseas. Depending on the options chosen, one can be covered for as little as $25,000 or up to as high as 5 Million US Dollars.

Church groups, missionary groups, youth groups, student groups, tour groups can take advantage of the expat group health insurance plans. These plans have also revised rates and benefits; and the latest options are now made available on the website.

Expat Employee Group Insurance for companies with employees on long term overseas assignments has been revised to keep up with the health care reform act. These plans in general have seen increases in premiums.

Besides the usual types of health insurance offerings, expatriate life insurance plans are available for these seeking long term international term life insurance coverage. Many expats and employers concerned about overseas life risks have coverage in place if one should pass away while travelling or living abroad.

The expat health insurance blog section of the website has a plethora of information containing the latest industry updates. Suchi V at Client Relationships of the company said, “our online plan comparison is the best in the world, should one need additional help our trained staff stands ready to help”.

Chiranth Nataraj
International Services Inc.
5529 Barnsley Terrace
Glen Allen, VA 23059

Financial, Healthcare, Travel

Visitor Insurance Site Redesigned

Leave a comment

In their continuous quest to make things easier for clients, ivisitorinsurance.com a leading visitor health insurance website has received a major makeover. Citing a need for improved website usability and consistency across web browsers iVisitorInsurance.com has been re-designed. The new design ensures uniform presentation of visitor medical insurance quotes across the popular web browsers with an easy, intuitive quoting process.

iVisitorInsurance.com enables users to compare all the leading visitor insurance usa in one place. The visitor medical insurance quote form on the website has been redesigned to be more intuitive and contemporary.

“As soon as a visitor lands on our homepage, the user can immediately compare visitors insurance plans in less than a minute” an employee was quoted as saying. She went on to say, “It’s not the flashy graphics or the sleek theme that grabs their attention, it’s the fact that they can obtain comparative quotes by entering just the age and duration of coverage.”

“The sheer number of the plans (almost all major carriers offer 2 or more) and the various benefits and options (coverage limits, deductibles etc) makes it extremely challenging both from the technical and client usability perspectives” said Pallavi Sadekar at Client Relationships. “Several years of experience and iterations have contributed to the current release.”

The new web-design for the first time incorporates graphics and pictures of people. While the load time has increased slightly there are some gains in graphic design, navigation and layout. The company claims it is the first major re-design in over three years and is counting on success. User feedback in the next several weeks shall be one of the ways to measure success.

In closing, I believe that Chiranth Nataraj sums it up well when he said, “We continue to listen to client’s wants and preferences. The additions to our product portfolio as well as the redesign of our homepage to promote website usability stand testimony to our commitment.”

Contact:
Chiranth Nataraj
International Services Inc.
5529 Barnsley Terrace
Glen Allen, VA 23059

Financial, Healthcare, Travel

NRIOL.NET Updates Visitors Insurance Comparison Engine

Leave a comment

NRIOL.NET, a leading visitors insurance website of International Services, Inc., has upgraded its insurance comparison shopping solution making it faster and easier to procure medical insurance for visitors & immigrants.

The latest release of the software on its website includes additions of plans to the portfolio, streamlining the comparison shopping process and improved presentation of plan information. These changes are reflected in the international student health insurance & visitor health insurance comparison engines.

“There have been numerous changes in plan benefits, exclusions and rates for 2011 and our timely new release is proof of our commitment to our clients and our underwriters,”said Chiranth Nataraj, President & CEO of International Services, Inc.

Keeping with the general trend in the insurance industry, the visitor travel insurance premiums for 2011 have increased; and there has been a significant increase in premiums in the senior age bracket of 70 years and above. The good news is that a few plans are still available for travelers with well controlled stable medical conditions; they can obtain coverage for sudden and acute onset of pre-existing conditions.

It is a well known fact that Senior US citizens are not covered by Medicare during their travel overseas (page 6 of the US Passport states that Medicare/Medicaid does not cover for healthcare costs outside the U.S.). Prudent travel cancellation insurance shoppers can compare plans on NRIOL.NET and obtain the right level of overseas medical coverage and protection for their non-refundable trip costs.

Online enrollment and instant insurance ID card fulfillment have been very popular onhttp://www.nriol.net; a vast majority of the company’s clients embrace the secure online purchase and fulfillment mode. Within a few minutes of the purchase the insurance ID card and certificate are available for online download.

“Sports teams that spend seasons abroad are at an increased risk of injuries and contracting diseases. Medical coverage abroad is necessary for sports teams. If your team doesn’t offer international medical insurance, you should consider getting it on your own; or asking the team to provide it. Group Enrollment for teams is so affordable that there is no reason to overlook protection,” says Pallavi Sadekar at International Services, Inc.

According to Chiranth Nataraj, CEO of International Services, Inc.: “Coverage shouldn’t be limited to where you live; it shouldn’t have boundaries at all.”

Business, Financial, Healthcare, Travel

International Services, Inc. Addresses the Urgency of Finding Legitimate Visitors Health Insurance

Leave a comment

Glenn Allen, VA – International Services, Inc., a leading visitors health insurance agency, acknowledges the fact that there are people traveling in and outside the US are looking for a reliable and trustworthy medical insurance while they are on a trip. This is why with International Services, made their website http://www.nriol.net available to travelers for providing a one-stop channel for accessing different types of travel health insurance.

Hundreds of millions of people per year visit the United States. Many of those find themselves hurt, injured, or sick while visiting these shores, and many of them are without a way to pay for medical services. Unfortunately, being unable to pay for your medical coverage puts a monetary strain on the government, the hospital, and the people in your family. Who wants to carry that burden with them when they can carry visitors health insurance and pay for medical expenses using legitimate health insurance?

What is visitors health insurance? “Visitor Health Insurance plans are designed by health insurance companies to cover medical expenses that result from a sudden illness or injury occurring while visiting the United States…” explains information on the website www.nriol.net. This health insurance also covers visitors on a short trip, or visitors applying for US residency or citizenship.

Visitor’s health insurance offered through provider sites like Nriol.net cover emergencies, accidental death and dismemberment, prescriptions, dental, and clinic or hospital fees. Nriol.net provides easy access to different travel insurance, with underwriting from renowned international insurance providers such as TravelGuard, International Medical Group, and HTH Worldwide. The website also carries different security logos to help interested travelers identify the legitimacy of their website, such as the BBB accreditation, McAfee Secure, and Comodo IdAuthority.

Health insurance is important no matter where you are from or where you are going. If you get hurt or sick while visiting family, they are left with the burden of caring for you and paying your medical expenses. If you carry visitors health insurance you can relieve them of that burden and allow them to enjoy your visit more.

“No one wants to come to the US to get sick, but it happens. It can’t be planned for, but at least you can carry insurance with you that will provide you with the coverage you need to get help from professional medical providers,” says Donna, a licensed practical nurse from Scranton, PA.

Despite the many ups and downs in the American health and medical sectors, hospitals, clinics, private practices, and other medical and health professionals are stepping up to take on the increasing need for recovery and understanding. Visiting the US shouldn’t mean that you’re headed for disaster, especially if you take the time to visit internet sites like Nriol.net and get quotes on visitors health insurance.

Everyone should be covered medically, but it’s up to them to take the necessary steps to make sure it happens. No matter where you live.

Business, Financial, Healthcare, Travel

zTravelInsurance.com To Provide Reliable Travel Insurance Information

Leave a comment

Glen Allen, VA – International Services, Inc., a financial services company believes in providing reliable travel insurance with upfront information that travelers need. With this, they have put up a website, http://www.ztravelinsurance.com, which does not only provide travel insurance international from the underwriting of reliable insurance sources but also helpful information that travelers can expect in travel insurance.

Despite the incredibly shrinking world due to the increase in public data available on the internet, more and more people are finding less and less information available on their insurance plans.

“I pay $120 out of every paycheck for medical insurance, and I’m not quite sure about what’s covered. I can’t say whether or not I’m getting my money’s worth, and no one at the insurance company can give me a straight answer. I feel out of the loop, and I think I want to move companies,” says a very dissatisfied medical insurance customer.

Uncertainty should not be a standard with medical insurance coverage. People should not be asking, ‘what’s covered?’ or ‘how much is covered’. They should know even before the money is deducted from their paychecks.

If you’re traveling to the US, having an insurance will save you from the confusion of medical coverage, and the possibility of huge out of pocket costs. International travel insurance is medical coverage without trip cancellation coverage, and is offered by many international underwriters, so you can take your time researching your options and getting all the facts before paying and US. For information international travel insurance with trip cancellation benefits see the following website. Websites like zTravelInsurance.com, provide international insurance information that includes what is covered (typically hospital visits, common illnesses and conditions, and surgery), when coverage starts, and how much coverage will cost.

With the increasing uncertainties travelers face, medical insurance should not be one of them.

“They are providing a service to people all over the world. These people love to travel and visit family and friends, but do not love the idea of dealing with the confusion and high costs of medical insurance. I appreciate that, a lot,” says Bill McGee an avid traveler.

Business, Education, Financial, Healthcare, Travel

International Services, Inc. Answers Missionaries’ Prayers with their Website, iVisitorInsurance.com

Leave a comment

Glen Allen, VA – International Services, Inc., a leading visitors health insurance agency, acknowledges that missionaries in the US and abroad are facing a lot of uncertainty. The US missionaries abroad fear the impact of ‘Obamacare’ on their policies, and foreign missionaries in the US are concerned with finding the right visitors health insurance to cover them and their families. This is why the company made their website, http://www.ivisitorinsurance.com, available to help them with their options.

“I love doing God’s work, and I know that He is the Provider. We are far from home and concerned that our health insurance isn’t going to cut it when the time comes to make changes. I want to know that my family will be covered in case the worst happens,” says Kristi, missionary.

Many other missionaries share Kristi’s fears as a missionary to South Africa states, “When we were home on sabbatical we made sure to get all of our checkups, shots, and annual exams. We didn’t know if we would be covered for any of that once we got back to Durban.”

“Being a missionary in Germany is hard enough without the fear that comes with not knowing what to expect from our insurance company,” says Eric, a missionary with Word of Life Fellowship.

Missionaries all over the world are dealing with the same thing; the uncertainty of what’s coming. Change is coming and they don’t want the change to hurt their ministries.

Visitors health insurance may be the answer to their fervent prayers. With this type of health insurance you are covered while abroad no matter where you are or how long you plan on staying. Websites like iVisitorInsurance are insurance advocates that offer support, accurate quotes, and information on this type of health insurance and can even point you in the direction of international student health insurance for when your children attend school in a foreign country. Visitors health insurance, also known as visitors medical insurance, covers hospitalization, medicine for illnesses or chronic conditions, surgeries, and each patient is covered for up to $50,000 USD.

Doing the work of God is a calling that not many answer, but when they do they should have the chance at quality medical insurance without the uncertainty, confusion, and runaround offered by many US based insurance companies.

Financial, Travel

iVisitorInsurance.com Reaches Out to People Traveling to the US

Leave a comment

International Services, Inc., a leading visitor health insurance agency, announces the new and user-friendly interface of their website http://www.iVisitorInsurance.com. With the social and political unrest in the Middle East, the genocides in Sudan, and bombings at US Embassies, traveling anywhere abroad can be far more dangerous than years past. No matter where you go, the chance of personal injury, whether slight or life altering, is there hovering over you, taking a little bit of the enjoyment out of your travels.

The revamp of the website’s interface is aimed at helping families or individuals to navigate through the website easily for a better experience in finding the most suitable visitor medical insurance.

If you’re a visitor to the US, you should still consider the need for medical protection against the possibility of illness or injury. iVisitorinsurance.com offers a wide choice of Visitor Insurance for USA travelers. These plans are underwritten by various companies like Chartis, Nationwide, and Lloyds. According to International Services, Inc., making sure that you and your loved ones have the medical coverage you need while visiting another country gives you the peace of mind.

“Traveling abroad used to be about seeing the world and getting a taste of life in other countries. Today it’s about finding a vacation spot where there are no bullet casings in the sand,” says a wary vacationer near the Suez Canal in Egypt.

Though the fight for medical coverage equality is an ongoing one in the United States, there are many health insurance programs that are made available for visitors to the US, whether they are here for a season or making plans to stay. Even if you are already covered medically through an insurance company in your home country, you may not be covered for travel abroad.

“Many people assume that because they pay for medical and health insurance at home, the insurance will cover them no matter where they go. This is not always the case,” explains Taylor, an insurance rep.

With websites like iVisitorInsurance.com, you have the chance to search for trustworthy visitor health insurance coverage. You can be covered no matter where you are, or where you are going.