Visitor's Health Insurance: Travel Peacefully
Maria Peres, 52, was awaiting the day she would get to see her son Peter, after five long years. Peter had migrated to the States right after finishing college in India, and hadn't visited home since. Maria had been planning her trip for days, and had a detailed itinerary that would take her mind off the bank job that she had been at for the last 30 years.
As was her nature, Maria was prepared with everything, including buying the most viable visitor's health insurance policy. She had picked a Visitor health insurance plan that would cover her for any medical emergency, saving herself and her son from paying exorbitant healthcare bills.
Foreign citizens visiting to the US can use this plan to cover medical costs for unexpected illness or injury while in the US. Usually, the plan pays for emergency hospitalization, doctor office visits, prescription drugs, and surgery. In addition, it covers emergency medical evacuation expenses so the injured or ill traveler can be shifted 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.
Policy buyers--who may be visiting the US for business, tourism, study, or immigration--can select from several limited plans, which offer a fixed benefit for each medical service offered. It should be noted that each service covered by a limited-coverage plan has a benefit limit, which is typically less than the policy sum assured.
Further, the person insured is liable to pay initial deductible amounts for each injury or illness. Limited-coverage plans can be bolstered by purchasing additional optional riders: for example, a rider for $5,000 payable toward the treatment of heart attack or stroke is available for a surcharge on the premium.
To get service benefits amounting to the policy maximum, it is advisable to buy comprehensive-coverage plans. With such plans, the insured person can claim benefits per life of the plan. Further, these plans require no initial deductibles to be paid by the insured persons, who can, additionally, avail of PPO discounts. Such plans also offer bigger covers, 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.
About the Author
Adele Pitt frequently writes about travel and travel insurance. Learn more about visitor's health insurance at http://www.visitorhealthinsurance.net/
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