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 visitor health insurance plan with flexible options and a range of deductibles and maximum benefits for short travel outside your home country.
The duration of the visitor insurance plan can be as short as five days, and as long as 12 months. If additional coverage is required, the plan allows extension for another 12 months; however, this will be under a new 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 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.
In Visitors Care, you get fixed benefits. That means that each benefit has a predetermined coverage maximum, and if the costs are more than the insured amount, you must pay the excess amount.
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.
Several well-known and established insurance companies underwrite visitor insurance policies. Visitor Care insurance is underwritten by Sirius International Insurance Corporation (publ), which is rated A (excellent) by A.M. Best and A- by S&P.
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