Visitor medical insurance plan types

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Home > Visitor Medical Insurance

Visitor Medical Insurance: Types of Plans

There are plenty of international and national insurance companies who offer insurance plans to visitors and travelers to the US and all over the world.

No matter how big or small the company, or whatever the name suggests, basically they all fall under two types of plans.

A) Comprehensive Coverage Plan.
B) Schedule benefits plan (Limited coverage plans/ Fixed Coverage Plan)

	A. Comprehensive Coverage Plans	B. Scheduled Benefit / Limited Coverage Plans
Coverage	Enhanced and better benefits as compare to limited coverage plans. Best suitable for higher risk or big amount.	Provide Basic Coverage. Good for general or basic service and to cover lower risk.
Benefit and Liability	Most comprehensive coverage plans works like PPO type plan where insured liability is deductible and co-insurance.	Basic coverage, all possible medical treatment/service cost is pre decided. Example each Dr visit X $
PPO Network	Most of them are PPO type plans and has PPO network, means grater acceptance inside the network and get discounted rates.	No PPO network. You can visit any Dr, hospital expenses will be paid as per the pre defined rates in the policy.
Can you visit any Doctor or Hospital?	You may visit any Dr. but it is advisable to visit a facility under the Provider Network if PPO network available.	Yes, But no matter which Dr you go, plan will pay you predefined limit of per Dr Visit or service taken.
Travel Related coverage	Most of them has travel related coverage bundled, and provide you coverage like Trip cancellation, Baggage loss, Terrorism etc.	None.
Rates/Cost	Higher premium	Low premium (low cost)
Example Plan	Liaison International, Atlas America, Visit-USA etc.	Inbound USA, Travelers Liberty

These are some common features people need to look for when buying a plan, rest of the factors like hospitalization, evacuation, surgery etc., should be checked in detail in the respective brochures or write-ups once you decide on the type of plan.

Visitor Insurance plans offered on this website, falls under the following type:

Comprehensive
Coverage Plans

Limited / Fixed
Coverage Plans

What Type of Plan should I buy ?

By answering the following question you can get the answer

1. "I want to pay less and buy a basic coverage plan, But I know and understood that Limited coverage plan may not be adequate in case of any bigger medical/accident condition. In such event I am ready to pay any additional expenses from my pocket"

Go for a limited coverage plan.

2. "I do not want to take any risk and would prefer to pay a little more now, but want a coverage that protects me from any bigger expenses".

Go for a Comprehensive Coverage Plan.

(Note for Age 80+ most of the comprehensive coverage plans has limitation on maximum coverage, call us to discuss a alternative or better coverage)

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