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.
As was her habit, she had done a thorough job of the preparation-right down to buying the most suitable visitor?s health insurance plan. She knew the plan would allow her to be well-prepared/ready for any medical emergency given the prohibitive costs of treatment in the US.
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.
The policy does not mandate treatment within any preferred network, although a preferred network of healthcare providers is available to select from. Insured persons are free to go to a doctor or hospital of their choice and still avail the benefits of the plan. Plans can be limited or comprehensive.
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.
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.
Jon Hendricks frequently writes about travel insurance.
Source: http://www.goldenwisdomnuggets.mobi/visitors-health-insurance-travel-peacefully/
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