Visitors Care Insurance For Foreign Visits
Traveling outside the home country can be an eye-opening experience. To get the best out of your international travel, you want to be well-insured. Visitors Care Insurance offers a basic visitor health insurance plan with flexible options and a range of deductibles and maximum benefits for short travel outside your home country.
The validity period of the visitors plan can be any period between 5 days and 12 months. After 12 months, the Visitor Care insurance plan can be extended for another 12 months, but under a separate policy.
Some features are common to all Visitors Care insurance policies. These include emergency medical evacuation, accident death benefit in case of common carrier travel, repatriation of remains (in case of death), and coverage in the home country for in-between trips home.
Whether or not a medical situation is covered is the same for all Visitors Care plan options. However, the reimbursement or coverage limit is determined by the visitor care insurance plan you choose. All plans cover basic medical expenses such as consultation and hospitalization expenses, ambulance charges, surgical costs, and costs related to diagnostic tests and prescription medicines. Nursing and physiotherapy charges are also covered. Dental procedures are covered in the Visitors Care plan if natural teeth are damaged in an accident.
Benefits under Visitors Care are not just capped by the maximum benefit chosen, but also depend on the limits set for each benefit. The plan holder must pay the amount that exceeds the specified maximum for that benefit.
Common coverage in visitor health insurance policies include medical treatment of conditions or illnesses suffered or first detected during the plan period. Also, some situations such as pre-existing illnesses, wellness visits, and pregnancy-related treatment, are usually exempt from coverage.
While it is not necessary to use a hospital or doctor within a preferred provider network, providers within the Preferred Provider Organization may be able to bill the policy directly, thus enabling cashless billing. Various resources, such as the Preferred Provider Organization link to locate a provider in the United States, or the Visitors Care Insurance online database for international health care providers, are available. Round-the-clock travel-related assistance is also provided and comes in handy in an emergency.
Visitor insurance policies are underwritten by reputed insurance firms. The underwriters for Visitors Care insurance are Sirius International Insurance Corporation (publ). A.M. Best rates the company A (excellent) and S&P rates the company A.
The validity period of the visitors plan can be any period between 5 days and 12 months. After 12 months, the Visitor Care insurance plan can be extended for another 12 months, but under a separate policy.
Some features are common to all Visitors Care insurance policies. These include emergency medical evacuation, accident death benefit in case of common carrier travel, repatriation of remains (in case of death), and coverage in the home country for in-between trips home.
Whether or not a medical situation is covered is the same for all Visitors Care plan options. However, the reimbursement or coverage limit is determined by the visitor care insurance plan you choose. All plans cover basic medical expenses such as consultation and hospitalization expenses, ambulance charges, surgical costs, and costs related to diagnostic tests and prescription medicines. Nursing and physiotherapy charges are also covered. Dental procedures are covered in the Visitors Care plan if natural teeth are damaged in an accident.
Benefits under Visitors Care are not just capped by the maximum benefit chosen, but also depend on the limits set for each benefit. The plan holder must pay the amount that exceeds the specified maximum for that benefit.
Common coverage in visitor health insurance policies include medical treatment of conditions or illnesses suffered or first detected during the plan period. Also, some situations such as pre-existing illnesses, wellness visits, and pregnancy-related treatment, are usually exempt from coverage.
While it is not necessary to use a hospital or doctor within a preferred provider network, providers within the Preferred Provider Organization may be able to bill the policy directly, thus enabling cashless billing. Various resources, such as the Preferred Provider Organization link to locate a provider in the United States, or the Visitors Care Insurance online database for international health care providers, are available. Round-the-clock travel-related assistance is also provided and comes in handy in an emergency.
Visitor insurance policies are underwritten by reputed insurance firms. The underwriters for Visitors Care insurance are Sirius International Insurance Corporation (publ). A.M. Best rates the company A (excellent) and S&P rates the company A.