Over 65? Life, Insurance Offer Numerous Options!

Here’s a situation that was prevalent until recently: A senior, over 65 years, retired from work, done with financial responsibilities, and looking forward to traveling to far and distant lands. And international travel health insurance policies hard to come by for the travel. Reason? Insurance companies think that people over 65 are more likely to file claims during international travel. So, they either denied coverage, or raised the premiums to reflect the risk. However, several insurance companies are now waking to the possibilities of doing business with this demographic. Of late, several plans have started to cater to seniors, with […]

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Choosing the Right Insurance Company: Some Pointers

With so many insurance companies offering visitor medical insurance to the United States, and all of them at attractive prices, which one should you choose? What are some of the criteria to look for when choosing a policy? One of the things you want to check is whether the policy offers cashless settlement in the United States. That is, if the visitor falls ill and visits a hospital, will the insurance card be sufficient, except for excluded costs? With so many American companies offering visitor health insurance and medical insurance, it makes sense to go for a company that does […]

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When These Are Insured, Shouldn’t Your Trip Be Too?

The concept of insurance was initially applied to goods traversing long distances, so ships and their goods were the first to be insured. However, the concept soon caught on to include anything that was deemed valuable. Your health obviously is an example, which is why it makes sense to take out visitor medical insurance. If you look at any event that can cause a loss, there’s probably an insurance policy to cover it. Consider these weird policies if these can merit insurance, you must sign up for visitor health insurance! A London-based insurance brokerage firm has several people looking to […]

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What is International Travel Medical Insurance? Why do I need it?

International Travel Medical Insurance provides health insurance coverage for travelers outside their home country. This coverage includes emergency medical expenses, emergency medical evacuation, repatriation, return of dependent children, bedside lodging, accidental death, cost of return flight, and more.? While the regular domestic private insurance or government sponsored health insurance programs may offer comprehensive coverage in your home country, few are designed for international travelers or expatriates. Even programs that cover international travel often provide limited benefits that do not normally cover medically supervised emergency evacuation, emergency reunion, or repatriation.

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I have a visitor medical insurance for my wife and me, my wife is leaving earlier. How can I cancel only her policy?

If the visitor medical insurance plan lists both of you on the same plan, you cannot cancel coverage for only 1 person and continue coverage for the other. If you have separate plans you can email your cancellation request for the person who needs to cancel. If both of you are listed on the same plan you may also consider cancelling your current plan and purchasing another visitor medical plan to cover you alone. Since yours will be a brand new plan your deductibles, co pay and pre existing condition waiting period will restart from the day your new plan […]

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How can I purchase visitor insurance for my 2 children who are below 18?

Visitor insurance is available to children over the age of 14 days. The children can be together on a plan if atleast 1 parent is applying for the visitor medical insurance. Some visitor medical insurance plans offer free coverage for a child if the parent purchases coverage. In the event the parent does not need coverage, you can purchase coverage only for the children using a child only rate. You must purchase 2 separate visitor health insurance plans, one for each child. The plans do not allow for 2 children to be on the same plan without an adult.

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What are Preferred and Non Preferred providers for a PPO plan?

PPO is a network of physicians that have agreed, by contract, to discount their rates for the respective PPO members. These physicians, specialists are known as preferred providers, and PPO members are free to see any of them, without any reference from their primary physicians. PPO members may also see non-contracted providers, these are known as non preferred providers. The co-payment fee for seeing a non preferred provider is generally higher than the preferred providers.

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What is difference between Urgent Care and Emergency Services?

Taking appointment for any ailment is a time taking process, hence every hospital provides urgent care and emergency care services. These are the quick medical care services provided by almost all medical centers. Emergency services are those services required as a result of unforeseen injuries or acute illness, for which a delay in treatment would result in a permanent physical impairment, or loss of life. Such as heart attacks, strokes, poisonings, sudden inability to breathe etc. Urgent care includes less serious medical conditions which require immediate attention. Such as fever, fractured bone, any cuts which require immediate attention, etc.

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