Visitor Health Insurance Policy -Save On Health Care
A trip to the United States means a lot of expense for visitors. If the visitor falls ill during a planned visit, then all travel plans may go awry. A good way to prepare for such unforeseen expenses is to buy a visitors health insurance plan. People visiting the United States for a limited period from all over the world can buy US Visitor Insurance. Though the usual coverage period for which insurance can be bought is 12 months, this can be extended if the insured person’s stay in the US is extended. Visitor insurance plans are for visitors including businessmen, students, employees on deputation, individuals who come for training, and tourists. In some cases, visitors health insurance is also useful for those who are looking to migrate to the United States. You can buy visitors insurance online from wherever you are and before you board the plane to the US. However, you should buy the insurance only after the visa formalities are completed and you have bought the ticket. The coverage cannot begin before you arrive in the US. If the family members of the visitor are also accompanying the visitor, the insurance plan can include them, or can be added on when they join the traveler. A variety of plan periods are available and all these can be renewed. Your visitor health insurance plan covers medical treatment for the following categories: injuries during the stay, sickness, medical evacuation and repatriation of remains. If you have a pre-existing condition, then that is not covered. Other conditions not covered are medical treatment for testing medicines and childbirth. There are two types of US Visitor Insurance plans: scheduled benefit plans and comprehensive benefit plans. Scheduled benefit plans place a limit for each type of treatment covered, and are typically cheaper than comprehensive benefit plans. For example, you can purchase a plan with a $50,000 maximum limit, which may include a maximum limit of $2,000 for surgery and $500 for diagnostic services. Some of the plans of this type are Inbound USA and Visitors Care Insurance. A comprehensive benefits plan usually does not feature any limits, other than customary charges. Once you pay the deductible and the co-insurance, the visitors health insurance plan covers the expenses up to the maximum policy limit. Some examples of this type are the Diplomat America, Atlas America, and Liaison International plans. Ray Sandeo frequently writes about US Visitor Insurance |