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Travel Travel Tips Medical Insurance for Visitors to USA
| Medical Insurance for Visitors to USA |
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| Written by C. Ray Sondeo |
| Thursday, 24 July 2008 17:26 |
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The costs of medical care in th USA are exorbitant. It is not possible for you to bear all the expenses on your own. This is the main reason that one should purchase visitor health insurance. USA visitor medical insurance is a short-term visitor medical insurance whose duration is from 0 days to 3 years. The USA visitor medical insurance plan generally covers all the doctor's payments, in and out patient charges, hospital room charges, surgery, lab work like blood tests, X-rays and other medical related expenses incurred after the day of the purchase of the plan. It is a must to check the benefits of the plan before you purchase it. It is crucial to remember that the visitor insurance plans never cover the preexisting conditions. You may be in a fix while buying a visitors insurance plan for your parents or in-laws visiting USA for the first time. People also purchase insurance from India itself which is also low in cost. For example, United States insurance companies can recognize your native insurance policies only after certain norms have been fulfilled. There are different insurances companies offering different types of visitor health insurance coverage in USA. There is a lot of difference in Indian and USA visitors insurance policies. The Indian insurance policy makes you shell out of your pocket and claim the money when you are back whereas USA insurance policies will make you pay minimum and the remaining amount will be paid by the insurance company. Beware that some doctors may not accept Indian visitor insurance policy. You may not even able to visit them. This is why one prefers purchasing insurance policy from USA based companies so as to avoid the hassles of making all the claims after they return to their own country. There are two types of plans in USA Visitors Medical Insurance Plan. Fixed and Comprehensive coverage plan. * Fixed coverage plan : It is more expensive than the comprehensive coverage policy. In such type of plans, you have first to pay the deductible (can be once per incidence or per period of policy), the insurance company pays the set maximum amount for every procedure such as $55 for the doctor's visit, $1400 per day for the hospital room charges, $3300 for surgery treatment and the likes. The balance is to be paid by you. The amount for scheduled benefits should not exceed $50,000 or $100,000. Prices are much more appealing when compared to comprehensive health insurance plans, but make sure that your expectations are being met, before you purchase any visitor health insurance plan. Very careful before you buy these plan because they pay a fixed amount for each procedure. Some of the well-known fixed coverage plan providers are IMG (Plan Name: Visitors Care) and SRI (Plan Name: INBOUND USA). * Comprehensive coverage plan : This type of visitor insurance is more expensive than a fixed plan but it provides much better coverage. In such type of visitors insurance plans, you first have to pay the deductible then the insurance company pays 80% for the first $5000 and the remaining 20% is paid by you. After the $5000, insurance paid will be 100% up to the policy maximum for eligible medical expenses. In some plans, you pay the first 20% of the $5000 once in policy period and in some plans you will have to pay 20% of first $5000 for every incident. About the Author: C. Ray Sondeo is an expert on visitors insurance usa. Get price quotes, read our FAQ, and learn more about medical insurance for usa visitors on our site! Kindly provided by MoneyHunter.org You are welcome to use this article on your own website, if you include the link just before this text. |
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