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What are pre-existing conditions?

Pre-existing conditions are medical ailments for which you have already received or are receiving treatment for. Pregnancy, AIDS, high-blood pressure and stroke are all forms of pre-existing conditions. Different insurance carriers have their own policies for pre-existing conditions. Some insurance providers offer coverage after a certain waiting period while others totally exclude certain conditions. Having a pre-existing condition obviously puts you at a higher risk for compensation than people without pre-existing conditions and is therefore more difficult to get insurance cover.

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What is the meaning of UC & R?

UC&R (or Usual, Customary & Reasonable): UC&R (or Usual, Customary & Reasonable) Charges represent the average or most common amount charged by providers for a particular service, treatment, or supply in the same geographic area. Typically information on rates for procedures is compiled into a data bank and updated periodically. So when a claim is submitted for a plan with UC&R benefits, the insurance company before making the claim payment reviews the UC&R rate and double checks that hospitals and doctors are not billing excessively for the particular service or procedure. Most well respected plans from Blue Cross, Aetna, Lloyds, […]

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Does the insured need to have a medical examination?

No, there is no medical examination required to purchase the policy.

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Is it possible to renew my policy?

Most policies are renewable, however some of them are not. We have provided this information under the ‘Other benefits’ column in our compare engine.

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When I buy the policy for more than one person, I am asked for only one passport number. Don’t you need the passport number of all applicants?

In many insurance plans, only one passport number per family is required per application.

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Should I purchase a combined policy for my parents or separate individual policies as both my parents are visiting me?

The cost for both alternatives will remain the same, in other words there will be no price differential. The main disadvantages are: (a) You have to pay two renewal fees should you renew the policies. (b) It can get cumbersome to deal with different companies should you choose to buy from different insurance providers. There are however many advantages of having separate policies. They are: (a) This gives you the flexibility to buy different policies for each of them depending of the specific needs of each of your parents. You might want to have different maximum coverage’s, different deductible or […]

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What is the Policy Period?

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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Is there any medical test required before we can buy the insurance?

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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Who/What is the beneficiary (AD&D Beneficiary)?

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 it safe to purchase Insurance online?

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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