Visitor Medical Insurance plans provide coverage for medical expenses resulting from sudden illness or injuries incurred during the stay in USA. Visitor Medical Insurance plans can be purchased anytime even during the trip and offer many levels of medical coverage ranging from $25,000 to $1,000,000.
Visitor Medical Insurance plans cover medical expenses (no coverage for pre-existing conditions), prescription drugs expenses, emergency medical evacuation and accidental death & dismemberment. Other secondary benefits include, trip interruption, baggage loss, baggage delay etc.
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If one is planning on living in the US for more than a year and would like to have the same level of health protection that many Americans procure then this class of plans offer the desired benefits.
US citizens, Green Card, H1, H4, F1 & F2 visa holders can qualify for these plans. Examples of such plans include various types of policies offered by Anthem - Blue Cross & Blue Shield, Assurant Health etc.
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Short Term Health Insurance plans are ideal for those currently living in the US and in-between jobs or waiting on another plan. It is also applicable for students who have recently graduated from college or anybody else without health insurance.
US short term health insurance plans provide you with coverage from one month to 12 months.
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Global Health Insurance plans offer comprehensive major medical coverage in all countries including USA and are designed to the special needs of expatriates and regular international travelers as well as US H1, H4 and Green Card holders (new immigrants).
Global Health Insurance plans offer comprehensive medical benefits including maternity, mental health, wellness (preventive check ups) and medical evacuation. These plans have no limit on policy renewals.
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International Students (F1 visa), their spouses and children (F2 dependents) are required by US Universities to have good medical insurance coverage.
International Student Health Insurance plans cover medical expenses (pre-existing conditions & pregnancy may be covered), prescription drugs expenses, emergency medical evacuation and repatriation.
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US Student Health Insurance plans are ideal for American students who find a traditional individual medical or other current coverage to be too expensive. They are also ideal for US citizens who are attending school outside an HMO or PPO region, are required to have coverage but choose not to participate in a college-sponsored plan and are no longer covered as a dependent under their parent's plan.
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US Immigrant Health Insurance plans are long term plans designed to the special health needs of new immigrants (Green Card holders sponsored by family members) to the US and potential immigrants (H4 & F2 visa holders).
US Immigrant Health Insurance plans cover medical expenses resulting from sudden illness or injuries during their period of coverage. These plans typically offer coverage ranging from 2 to 5 years.
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J-1 exchange visitors in the US and J-2 dependents must carry health insurance. Government regulations stipulate that if one willfully fails to carry health insurance, then the J-1 sponsor must terminate the exchange visitor program and inform the termination to US Department of State.
Benefits include coverage for medical expenses (pre-existing conditions may be covered), prescription drugs expenses, emergency medical evacuation and accidental death & dismemberment.
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Vacation/Trip Insurance plans are a simple packaged solution designed for short term travel, vacations, cruises and tours. These plans offer good coverage (no deductible) at affordable prices.
Benefits include coverage for medical expenses (pre-existing conditions may be covered), dental expenses, prescription drugs expenses, emergency medical evacuation. These plans can also cover your losses (non refundable ticket costs) due to a trip cancellation, trip interruption, lost baggage etc.
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Europe Travel Insurance (for business travel, vacation and Schengen visa)
Traveling to Europe has been made convenient with the Schengen Visa. This common visa allows you to travel to 15 schengen countries. However Schengen visa countries require visitors to have health insurance coverage.
Schengen Visa insurance requirements are specified by the consulates.
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Most Nanny(Au Pair)s in the United States have the J-1 visa. J-1 visa exchange visitors in the US and J-2 dependents must carry health insurance. Government regulations stipulate that if one willfully fails to carry health insurance, then the J-1 sponsor must terminate the exchange visitor program and inform the termination to US Department of State.
Benefits include coverage for medical expenses (pre-existing conditions may be covered), prescription drugs expenses, emergency medical evacuation and accidental death & dismemberment.
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Group health insurance provides medical expense coverage for many people in a single policy. All the eligible participants are covered, regardless of age or physical condition.
Groups Coverage is ideal for International employees, missionaries, students and travelers are just some of the types of groups.
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