We are providing you Insurance from leading Insurance companies in USA. Most of the Visitor Medical Insurance plans fall under these different
categories as shown below:
- Limited / Fixed Coverage
- Comprehensive Coverage
- Per Sickness / Injury
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This coverage is also Known as scheduled coverage and restricted coverage.
These kind of plans pay a fixed amount of money for each service/procedure i.e. Hospital room and board, incentive care, surgical treatments,
prescription drug, physician visit....etc.
Limited/Fixed coverage plan are cheaper than comprehensive coverage plans because Insurance company is buying less financial risk.
In these kind of plans,
- First, you pay the deductible (such as $0, $50, $100) according to your plan coverage. Then, Insurance company pays a limited amount of
money (pre-defined dollar amount) for each service such as $55/doctor visit, $660/day for incentive care, $3300/surgical treatment.......etc.
If the service charge exceeds the limit then, you have to make the payment for remaining balance.
- There is PPO network in this coverage. So you may "visit any doctor any hospital" for these plans. You may show your medical Insurance ID
card (which is provided by Insurance company) to the service provider i.e. doctor/hospital then, they would send the bill to the Insurance
company. If you visit out of network then it is option for provider either he can do direct billing with insurance company or you may pay the
bill and send the bill to the Insurance company along with the claim form and Insurance company would reimburse you the money
according to your plan coverage.
- Once you have met deductible during coverage period then you do not have to pay it again.
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Limited/Fixed
Coverage
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Comprehensive
Coverage
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Premium
Coverage/Benefits
Initial Purchase Required
Negotiated Rates
Travel Related Coverage
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Lower
Limited
Minimum 1 month
No
No
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Higher
Broad
Minimum 5 days
Yes
Yes
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Always read plan details or brochure for more information.
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Note: We recommend our clients to buy comprehensive coverage
plans because you buy visitor medical Insurance plan to cover medical
expenses from unforeseen circumstances (i.e. Accident, sudden pain,
Etc.) which may lead you to big financial loss.
The cost of medical procedure in developed countries (such as USA,
Canada, Australia, England, France....etc) is very high. The average
medical treatment cost for one day in hospital in USA varies from $5000
- $10,000. In this situation, if you have limited coverage plan then you
have to bear a big financial burden because Limited coverage plan pays
only limited amount of money (some plans cover only $1400 per day up
to 30 days maximum for hospital room & board.
Comprehensive coverage plans have broader coverage. So, you would
not have to bear big financial burden.
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This coverage is also Known as broad coverage.
In most of these kind of plans:
- First, you pay deductible (i.e. $0, $250, $500....Etc) according to your plan coverage. Then, you are only responsible for 20% of first $5000
per policy period (company pays 80% of $5000). Any expense beyond first $5000, company pays 100% of expenses as per coverage. But,
if you buy Patriot Travel Plan of IMG. The plan pays 90% of eligible expenses up to US$5,000, then 100% up to the Policy Maximum. If you
purchase Atlas Series Plan of MNU then Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to
Underwriters for review and payment directly to the provider.
- Most of these plans have PPO Network that means company has contracted many medical service providers (such as doctor, hospital,
physician........etc) across USA who participate in this PPO Network. These service providers accept the medical ID card (which is provided
by medical Insurance company) and they send bill directly to the company and charge network negotiated fees which is usually lower than
regular fees.
- Once you have met deductible and co-insurance during coverage period then you do not have to pay it again.
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Note: This coverage starts as new coverage for each incident (per sickness/injury) which means each incident would be covered up to policy
maximum. Let's make it more clear by reading these example below.
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First, you pay the deductible (such as $0, $50, $100) according to your plan coverage. Then, Insurance company pays a limited amount of money
(pre-defined dollar amount) for each service such as $55/doctor visit, $660/day for incentive care, $3300/surgical treatment.......etc. If the service
charge exceeds the limit then, you have to make the payment for remaining balance.
- There is no PPO network in these plans. So you may "visit any doctor any hospital" for these plans. You may show your medical Insurance
ID card (which is provided by Insurance company) to the service provider i.e. doctor/hospital then, they would send the bill to the
Insurance company. In some cases, if the service provider does accept the medical Insurance ID card then, you may pay the bill and send
the bill to the Insurance company along with the claim form and Insurance company would reimburse you the money according to your plan
coverage.
- You are required to pay deductible per sickness/injury.
- There are only four plan available for this coverage and those are "INBOUND USA, INBOUND GUEST, INBOUND IMMIGRANT" from SC &
"IMMIGRANT SECURE" from MNU.
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First, you pay deductible (i.e. $0, $250, $500....Etc) according to your plan coverage. Then, you are only responsible for 20% of first $5000 per
incident (company pays 80% of $5000). Any expense beyond first $5000, company pays 100% of expenses as per incident.
- Most of these plans have PPO Network that means company has contracted many medical service providers (such as doctor, hospital,
physician........etc) across USA who participate in this PPO Network. These service providers accept the medical ID card (which is provided
by medical Insurance company) and they send bill directly to the company and charge network negotiated fees which is usually lower than
regular fees.
- You are required to pay deductible per policy period.
- You are required to pay co-insurance per sickness/injury.
- There is only one plan available for this coverage and that is "VISIT USA HEALTH CARE" of TIS
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Insurance Company
and Plans
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Per Sickness/Injury
Coverage
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If you have any question please feel free to contact us anytime.
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International Medical Group (IMG)
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Passport Protection
Patriot America
Patriot International
Protection America
Protection International
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Seven Corners (SC) earlier Known as Specialty Risk International (SRI)
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Inbound USA
Inbound Immigrant
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Multinational Underwriters (MNU)
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Atlas America
Atlas International
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Travel Insurance Services (TIS)
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Yes
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Yes
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Yes
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HTH Worldwide (HTH)
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Global Underwriters (GU)
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Important Disclaimer: If you have any question or doubt, we strongly recommend you to read plan details or contact us because we won't be liable for any liability
arising due to misinterpretation.
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