Travel health insurance for Foreigners

Medical Insurance for Foreigners USA - Things to Consider

• Plan Type: Fixed benefits vs. Comprehensive.
• Maximum Coverage Type: 'Plan Life' vs. 'Per Incident'.
• Deductible Type: 'Plan Life' vs. 'Per Incident.
• Shortest Initial Policy Period: Some policies require you to purchase a certain minimum time period (i.e. 7 days, 1 month, 3 months etc.) to start the policy. Make sure the shortest initial coverage period for the plan is less than the your desired period of coverage. Most plans that require 3 month up-front purchase will permit monthly renewals after the initial 3 month purchase.
• Renewal Feature: If you are not certain about your return date, then consider a plan that supports renewals. The advantage of renewing an existing policy over purchasing a fresh one after the expiry of the first one include, no fresh co-insurance/deductibles and illness/injuries incurred during the first period of coverage not being classified as pre-existing conditions for the extension.
• Good network of hospitals in your neighborhood: Each plan uses a unique network of hospitals and doctors so it helps to make there is good number of hospitals close to the place where you will be staying in USA.

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