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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 18:26 |
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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 very important to consider all the benefits before you purchase any plan. It is essential to note that these visitor insurance plans do not cover the pre-existing conditions. Some people buy the visitors insurance plans from India itself. These plans are hence low-cost. Some of the Indian insurance companies are United and ... (others not mentioned) Moreover, there are many insurance companies offer visitor health insurance coverage in USA. The main difference between Indian and USA visitors insurance policies is, with Indian insurance company you may need to pay from your pocket and then make the claims when you back in your own nation. Where as with USA Insurance policies you will have to pay a deductible as well as a remaining amount that will eventually reimbursed by the insurance company. Some of the doctors in the US do not accept the Indian visitor insurance policy. This is one reason why you should buy an insurance policy from the US companies to avoid these hassles regarding the claims. There are two types of plans in the USA visitors medical insurance plan namely, fixed and comprehensive coverage plans. * Fixed coverage plan: These plans are more expensive than the comprehensive coverage plan. In these plans, you have to pay the deductible, then the insurance company pays a maximum amount for each procedure such as doctors office visit, hospitalization charges, surgery treatment and so on. The balance is expected to be paid by you. The prices of the fixed benefit plans are attractive but you should consider the purchase of this visitor health insurance plan carefully. These plans pay a fixed amount for each procedure. IMG (Plan Name: Visitors Care) and SRI (Plan Name: INBOUND USA) are the two well-known fixed coverage plan providers. * 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 will have to pay 20% of first $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 us visitors insurance. Get price quotes, read our FAQ, and learn more about visitor health insurance usa on our site! Kindly provided by LJ-Marketing.dk You are welcome to use this article on your own website, if you include the link just before this text. |
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