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What is co-insurance? |
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After your deductible is met, co-insurance is the percentage of the covered medical expenses that you, the insured person, must pay.
For instance, if your health plan has an 80/20 co-insurance rate, your insurance plan pays for 80% of your eligible medical expenses and you are responsible for the remaining 20%.
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Is it safe to purchase Insurance online? |
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Yes. The application forms are in a highly secure ordering environment so you can enroll in the insurance plans with confidence. The insurance providers use Secure Socket Layers (SSL), for transferring information to process your orders. The SSL encrypts, or translates, your order information into a highly indecipherable code, which is processed immediately. You will remain in this secure zone for the entire purchase process.
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Who/What is the beneficiary (AD&D Beneficiary)? |
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The Beneficiary is the person who receives the Accidental Death benefit if the Insured dies in an accident while insured under the policy. Typical examples of beneficiaries are your spouse, your children or your parents.
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Is there any medical test required before we can buy the insurance? |
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No, there is no medical test required for purchasing any of these policies. You can buy the policies online any time and get coverage from the following day.
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What is the Policy Period? |
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A policy period represents the amount of time you have purchased insurance. In visitor medical insurance, policy periods can be as short as 5 days and as long as 36 months. For example, if you complete an application and pay for 6 months of insurance, the policy period for that program will be 6 months.
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NRIOL has tried to answer these frequently asked questions to the best of our knowledge. However we make no guarantee regarding the accuracy of our answers. The exact answers for some of the questions can change periodically as insurance companies change their policies. NRIOL is not liable for any problem resulting from the content on this FAQ.
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