Maria Peres was enthusiastic and excited about her upcoming visit to the United States. It was after five long years that she would get to meet her son, who had migrated to the US. She was also looking forward to being a full-time tourist with a long itinerary?a welcome break from her job as a full-time teller at a bank in India.
True to her nature, Maria had done her homework, and was ready with everything, including purchasing a visitor?s health insurance policy. She had picked a plan that would cover her for any medical emergency, saving herself and her son from bearing any healthcare related expense, which she knew were prohibitive in the US.
Visitor health insurance pays for medical costs for unexpected illness or injuries sustained by foreign citizens visiting the US. This includes hospitalization expenses, doctor office visits, charges for prescription drugs, and surgery expenses. It also covers costs for emergency medical evacuation of the injured or ill traveler to the nearest hospital.
With this plan, the insured person can choose a healthcare provider in the preferred network of medical practitioners or use the services of a doctor of their choice. Plans differ in the extent of coverage they provide, and are available as limited or comprehensive plans.
Limited-coverage plans offer a set amount for each medical service. Limited-coverage plans are available to any visitor to the US, irrespective of their purpose of visit, be it business, tourism, study, or immigration.
In case of limited coverage plans, the benefit limit is generally less than the policy sum assured. Moreover, as per this plan, the policy holder must necessarily pay the initial deductible amounts for each injury or illness, after which the benefits kick in. You can expand limited-coverage plans by buying additional optional riders. To illustrate, one plan offers a $5,000 benefit toward the treatment of heart attack or stroke on payment of a 26 percent surcharge on the premium.
For you to avail of service benefits equivalent to the policy maximum, it is advisable that you buy comprehensive-coverage plans. With these plans, you need not pay any initial deductibles for each incident. Additionally, you can take advantage of PPO discounts. Typically, these plans also offer more coverage, ranging from $50,000 to $8,000,000.
The other common features of comprehensive visitor health insurance plans are accidental death and dismemberment benefits, repatriation, pregnancy complications and sudden recurrence of pre-existing conditions. These plans also insure against trip interruption and missing checked-in baggage. As you now know, Visitor health insurance plans take care of everything, including health.
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