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Insurance for daughter   Sujatha   08/13/2019 09:17 AM  

My 1yr old daughter is coming 4m India to US next month. I would like to take an insurance for her. Any suggestions which is the best insurance? I am ready to take insurance along with her so that combo gives best price.

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Re: Insurance for daughter   ventor   08/13/2019 10:08 AM  

Sorry, I know I should not judge, but can't resist also -). In the first place why do people send their kids to India to be taken care of by their grand parents? I find this very common among South Indians in particular?

Don't you think these are such important formative and bonding years and you send them to be brought up by your parents? Did they send you to their parents when you were born? Don't you want to be part of their every milestone like the first word, the first time they walk and so on?

It's amazing, how you say my daughter is visiting ..! You should be taking care of her and not dump it on your parents. She should be visiting them and not staying with you, not the other way around.

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Re: Re: Insurance for daughter   CT Desi   08/13/2019 10:15 AM  

Sujata life sujata wish, who are you to judge.

This bonding fucking things are just cuffs to your hands.

when you are 1 year who cared you, you know?

I wish I could send that my kids to India and my wife can continue job and I dont have big finance problems.

now I am staying with 2 kids with single income and 100 dreams from my wife and I cant even fullfill one of them, this is bad.

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Re: Re: Re: Insurance for daughter   Priya   08/13/2019 10:16 AM  

I agree CT DEsi but what about mother feeding baby,
are they giving artifical milk, is that equal to actual mother milk?

before money everythign is nothign, when you have money you cant buy the good health later to yoru kids

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Re: Re: Re: Re: Insurance for daughter   Sujatha   08/13/2019 10:33 AM  

Priya..do you know any best insurance?

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Re: Insurance for daughter   E   08/13/2019 11:03 AM  

I suppose you mean health insurance for your daughter.. Does your employer provides health insurance or your husbands employer providers health insurance, if yes, then you can add her as dependent on existing plan. If not and you purchased insurance from Marketplace, better talk to your insurance first to get the quote, there are chances it will be cheaper and if your child is in good health with no serious health concerns, then any insurance should be good since their vaccinations and well child visits are fully covered by insurance as per state law, so all you will care about is your copay/co-insurance in case they get sick ( which is very common as they gets exposed to school/day care system where they get in contact with several other kids and their immune system is still developing).

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Re: Re: Insurance for daughter   Sujatha   08/13/2019 11:08 AM  

Thanks, E. That's a good suggestion. I will check with my employer.

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Re: Re: Re: Insurance for daughter   uidy   08/13/2019 11:13 AM  

CT Desi sould have thought about the dreams before getting kids. The point is if you are not ready, wait to get pregnant. Once you have the kids it is your responsibility - period. Don't dump it on your parents. Raising kids is tough, even more so at their age.

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Re: Re: Re: Re: Insurance for daughter   Its good   08/13/2019 03:41 PM  

Its safe kids be with grandparents than having family fights over care in us

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Re: Re: Re: Re: Re: Insurance for daughter   dont be judgmental   08/13/2019 10:09 PM  

why desis are so judgmental even in USA ?,none knows whats going through others lives.Leave desi sneaking and gossiping attitude back in India atleast

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Re: Re: Re: Re: Re: Re: Insurance for daughter   uidy   08/14/2019 10:58 AM  

Not being judgmental but in most cases the only thing that is going through is both parents are not mature enough or don't want to devote the time and energy on raising a kid. Instead they want to focus on earning money, or simply too lazy and take the easy way out. For sure sending kids to India is not a safe option. Mortality rates are much higher in India and diseases like malaria, dengue, etc. always a risk. Car seats and other safety features are non existent, pollution, no 911 so on and so forth. I know we all were brought up there and its not nice to trash your own country, but our kids deserve more. Guys if you are not ready to raise kids don't do kids. If you are blessed with kids be man or woman enough to raise them yourself.

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Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   Sujatha   08/14/2019 11:21 AM  

My kid is not covered in my insurance. Is there any Insurance which you suggest to take separately for her?

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Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   Dont be judgemental    08/14/2019 11:39 AM  

Big majority in forum is born and brought up in india with limited facilities and infections. It improves immunity. Many indians have good life in india too. Many maericans have poor life in US too. Lets dont be judgemental. You donno personal lige of others here in US. Their diseaes, family issues, and financial things. Not everyone is greedy. There is a need of help for New mother after birth which is tough or unaffordable for many. Its easy in india. People are hypocrites these daysdays. Adb

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Re: Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   Dont interfere   08/14/2019 11:42 AM  

Dont poke nose inyo others personal issues. Everyones life is different. I know a couple here in CT who had to send new born to US due to health issues of kid. It was damn expensive here in CT. Parents know the best for kids.

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Re: Re: Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   Hypocrite desi   08/14/2019 11:46 AM  

Its true desi have a special interest in others lives. They think their parentinh and culture is perfect. Thats y many desi have no connections with kids when after college. Imposing own belief on others. Hypocrites. I know a family who had to sent kids to india due to depressive disorder or post partum depression in mother. There are many things like that from family issues, health, job issues, unaffordability etv etv
Majority h1b either bring parents or in laws here. Or send kids to india before school

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Re: Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   E   08/14/2019 12:17 PM  

(at) Sujatha. Not sure why your employer's plan can't cover dependent, ideally when they arrive in US, you will have life event which will enable to enroll her under your plan with additional premium. But anyways, just call your insurance to begin with and ask for marketplace insurance quote for your child.

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Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   Double standards   08/14/2019 05:00 PM  

Its true desi are hypocrites assholes. When someone ask for help, help them if you can. Dont check imto their personal life nad start advising. Tomorrow your kids will be in same situation or worse.cz of too much interference, may desi have no or poor connection with kids after college or marriage.

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Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   urfreind   08/16/2019 09:40 AM  

We Indians are indeed very intolerant - OP asked for advice - someone had an opinion and they replied against sending kids away. If you don't agree with them that's fine, but let him/her air their views rather than start calling him/her names. Reply by clarifying why you disagree. Ever heard of a civil discussion? People will and do dis-agree. That does not mean you start vilifying them and calling them assholes.

As far as the original question goes, I see there have been few responses. So Sujatha did get her answer, no harm done. The discussion is what makes life interesting. I say bring it on!

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Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   frustrated desi   08/16/2019 10:58 AM  

I totally agree that desis are hypocrites. Becoming too much judgmental and making a prejudice about someone is normal in our Indian society.
This is the main reason people are leaving India but the funny part is here also they are the same.

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Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Insurance for daughter   Fools   08/16/2019 02:25 PM  

I know desis have no connection with kids owing too much interference in their family life. They think desi way is the perfect one. Thats y old people r locked up in indian house holds and female feticide is sky rocketted in india. What a culture

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