Visitor Health Insurance – Visitor Care Insurance
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 visitors care insurance plan with flexible options and a range of deductibles and maximum benefits for short travel outside your home country.
You can request Visitors Care insurance for any period from 5 days to 12 months, with a possibility of extension for another 12 months. The extension, however, will fall under a new policy, with new parameters such as deductibles and pre-existing conditions.
For all options of the Visitors Care insurance policy, the following benefits are offered, with equal coverage limits: emergency evacuation, return of mortal remains in case of death, incidental home country coverage for short in-between trips to the home country, and common carrier accident death benefit.
While the presence of coverage is standard across the Visitor Care Insurance plan options, the level of coverage differs. The common medical benefits include ambulance charges, inpatient and outpatient treatment, physician consultation, surgery, physician visits, diagnostic tests, prescription medicines, nursing charges, and physiotherapy. Dental expenses are covered by the visitor care insurance plan in case of damage to natural teeth due to 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.
Visitor health insurance typically provides coverage for the treatment of any new injury or illness. Pre-existing conditions, wellness visits and maternity are usually not covered.
The policy does not require you to seek doctors or hospitals from the preferred provider network, but that can be an easier process than going outside the network. Often, Preferred Provider Organizations, commonly called PPOs, have direct links to the insurance policy, and can ensure that you are not required to pay cash, saving you time and stress. The PPO also has a database of affiliated U.S. doctors and hospitals. If you’re traveling outside the United States, you can use the database of Visitors Care Insurance to locate a physician or hospital. In a travel-related emergency, you can also access the 24-hour assistance service.
Visitors Care insurance is underwritten by Sirius International Insurance Corporation (publ), rated A (excellent) by A.M. Best and A- by S&P. In general, your visitors insurance policies are underwritten by well-known companies.
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Tags: Affordable Insurance, health, insurance, international travel, international visitor insurance, medical insurance, travel, travel insurance, travel medical insurance, visitor assistance, visitor care insurance, visitor health insurance, visitors insurance, visitors medical insurance
