VISITOR CARE INSURANCE PLANS
visitors insurance is a renowned choice of visiting parents and senior citizens above 65 years of age who are planning on an overseas trip. visitors insurance offers beneficial and comprehensive coverage at affordable rates.
Non US citizens who are traveling abroad are also eligible to purchase this visitors care insurance plan. Coverage for senior citizens who are above 65 years should start within a month of arriving in the country if the traveler does not have any other valid international travel health insurance coverage. Individuals who are outside the US while applying for this insurance plan should mention the planned date of arrival into the country in the enrollment form.
The visitors insurance plan covers various popular health care services like prescription drug coverage, out-patient treatment, local ambulance transport and emergency intensive care, dental injuries due to accidents, surgeries, doctor consultation, private nursing care, diagnostic tests and hospitalization charges.
The insured are entitled to subsidized treatment at beneficial rates if they consult a medical professional who is a part of the PPO (Preferred Provider Organization) network. This would ensure that the out-of-pocket expenses are the least while the patient undergoes treatment.
The effective start of the plan begins when the insurance provider receives the completed enrollment form along with the first premium payment. Otherwise, it begins on the departure date of the insured from the homeland. Individuals can also mention their preferred effective start date, if any, in the application form.
The validity of the visitors insurance policy continues till the insured returns back to the native after the trip. The policy also lapses in between the trip if it crosses the expiry date without renewal or on a preferred specific date mentioned by the insured in the application form.
Visitor care insurance policy offers three choices for the individuals with varying policy maximums. Individuals can avail this medical insurance plan for a period as short as 5 days up to a maximum of 1 year during the initial purchase. Renewal of this travel medical insurance plan is allowed for a maximum of 2 years at a stretch.
The insured individuals would be reimbursed the full amount if a cancellation request is submitted before the effective coverage period of the visitors insurance plan begins. Otherwise, the refund amount would be calculated on a pro rated basis if no claims have been filed so far under the medical insurance plan. A nominal cancellation processing fee is also charged when the request is placed.
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