When parents and relatives of NRIs visit children and family members, the visit is usually for a couple of months. There are several issues to consider such as travel logistics, airline ticketing, and visiting people and sightseeing within the United States. However amongst all these issues, it is important that you get good visitor health insurance while in the United States. Medical care is very expensive, and while visiting America is fun, being forced to visit American hospitals without insurance can be a nightmare.
Deciding on the appropriate visitor health insurance policy to cover one travel and stay in the US can be confusing. To help NRIs in this situation, we work with an US visitor insurance agency who work will all the insurance providers to give you the widest choice of insurance plans. You can compare the different plans based on the premium rates, as well as the different coverage details.
Visitors health insurance plans cover both in-patient and out-patient expenses along with physicians fees. Prescription drugs and blood tests ordered by the doctor for illnesses and injuries are also paid for. Any emergency medical evacuation and compensation in the event of accidental death or dismemberment, cost for the repatriation of mortal remains are all covered by visitors medical insurance plans. What is however excluded in these visitor insurance plans are pre-existing ailments which the traveler suffers from prior to purchasing the visitor insurance.
Some of the factors you should consider while purchasing the insurance plan include –
Fixed benefits and Comprehensive plans – There are two types of insurance plans that customers can purchase, namely, Fixed (scheduled) benefits and Comprehensive plans. The fixed benefits plans are cheaper, but the coverage is limited to certain pre-defined limits. The Comprehensive plans however do not have any limits up to the policy maximum.
Out of pocket costs – There is usually a deductible and an co-insurance component to all insurance plans. Be clear on how much deductible you have to pay, and whether the deductible is per incident or for the entire policy period. Also, be aware of the coinsurance costs which is usually a percentage of the medical bill up to $5000/- .