Why should I purchase insurance with an American company and not buy insurance in my native country?

It is advisable to have insurance from an American company while in the United States, even if the premium for these plans are more expensive. The reason is that while almost all Doctors/hospitals in the United States accept American insurance company cards, they will be reluctant to acknowledge overseas insurance coverage. The medical office can easily contact an American insurance company for clarification, while the same will not be true for an overseas insurance company. Typically medical offices in the US will bill directly to known American insurance companies. For overseas insurance companies you most probably will have to pay […]

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What is the difference between the scheduled benefits plan and a comprehensive plan?

Fixed Benefits Plan (Scheduled Benefits Plan) These policies are characterized by various benefit limits for each type of covered medical expense. These benefit limits typically are not the same as the policy maximum. For example, a policy with a $50,000 maximum limit may feature upto a maximum of $2000 for surgery, upto a maximum of $500 for diagnostic services (X-rays, scans) etc. The maximum amounts for different situations are detailed in the policy brochure. Typically you are required to pay an initial deductible for each injury or sickness and then the plan pays for the rest of the covered expenses. […]

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Visitor Health Insurance for Travel

Traveling or moving abroad can be both fun and challenging. Following some simple steps can help you have a great trip. These are some important steps you must take before you undertake any travel: 1. Visit your current health care provider way ahead of your travel date and determine your travel health needs. Make sure your family is up to date with all the vaccinations that may be needed. Some countries may require a signed and dated International certificate of vaccination as proof before entry. Check the visa requirements carefully. Some countries require proof of visitor health insurance as part […]

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Non US Citizen Health Insurance

Non US Citizen Health Insurance plans are designed to provide coverage for unexpected sicknesses or injuries that might arise during travel to a foreign country. Coverage is available for doctor visits, hospitalization, surgery, medical evacuation and prescriptions. Insurance for non US citizens can be purchased for a minimum as 5 days to up to a maximum of 5 years. Most plans can be renewed after an initial purchase of 12 months. After purchase of the insurance, foreigners are provided with an ID card as well as other insurance documentation to carry along with them. You can request for the documents […]

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New Immigrant Health Insurance

New immigrants to the US are usually not eligible to purchase domestic health insurance in the US. Each state in the US has different eligibility criteria for applicants. Some states require continuous residence for 2 years and some offer insurance immediately. If domestic insurance is not available you can purchase one of the several health insurance plans for new Immigrants to the US. Your health is your most valuable resource, make sure it is protected. Health insurance protects you and your family by paying for healthcare costs. United States offers the most advanced treatments and medical facilities in the world. […]

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International Travel Insurance

If you are planning a trip abroad you must definitely purchase International Medical Insurance to cover you in case you fall sick or injure yourself abroad. Your health insurance from your home country will not cover you in foreign countries. If you are travelling for a few days or months, you can consider Short Term Travel Medical Insurance Plans. They can cover you outside your home country. The Travel Medical plans typically cover doctor visits, hospitalization and surgery. They do not offer cover for preventive care or maternity. Applying for the plans is simple and medical tests are not needed. […]

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Using the PPO Network of your Visitor Insurance Plan

A Preferred Provider Organization or a PPO is a group of doctors, hospitals and other medical facilities that provide health care at reduced rates to the insurer�s and plan administrator�s clients. Insurance companies sometimes require you to use only the members of the PPO network they are associated with. They can deny claims or require higher co payments if you visit a provider outside the network. By using these networks that offer services at pre negotiated discounted rates, the insurance companies keep their costs low. This can also help insurers get more for their plan limits and stretch their coverage […]

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Insurance for Visitors – One versus Two plans?

Is it prudent to insure a husband and wife under the same visitor insurance plan? We are often confronted with this question when a family is seeking visitor insurance coverage. The answer is – usually yes if both the visitors are adults. Visitor insurance companies do not offer premium discounts for insuring the husband and wife on the same plan. The total cost of the plan is the sum of the premiums for each individual. The benefits are also designed for each person and it is not possible to exhaust one’s benefit limit and then tap into the benefits of […]

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