How Can Short Term Health Insurance Help Me?

Are you looking for a cost-effective medical insurance solution that does not require a long-term commitment? Are you seeking a way to provide your family with health coverage while you are in-between jobs? If so, short term health insurance can help you. For people who have lost their job or moved onto a new job that does not immediately make health coverage available to new employees, short term health insurance provides an affordable solution. It is easy to acquire, much less expensive than the COBRA coverage which is made available to departing employees, and offers a good range of medical […]

Read more »

U.S. Visitor Insurance a Breeze to Find and Buy

When planning a short overseas trip to the U.S., most people do not stop and consider visitors health insurance, as it is not at the top of their to-do list. If and when the traveler does hear of visitors medical insurance, he assumes that it is too late and cumbersome a process to begin the day before departure. Many also worry about the costs, and whether it will actually be worth it. First, the cost: Visitors health insurance is very inexpensive, especially considering the typical cost of healthcare in the United States. For less than the cost of a visit […]

Read more »

Be Safe, Not Sorry: The U.S. Visitor Health Insurance Mantra

Parents visiting the United States look forward not just to seeing the sights and sounds of a new country and culture, but also to spend time with family. While some families may not travel much, others have extensive travel plans within the U.S. Often, visitors assume that visitor health insurance is not necessary if there is to be no travel within the U.S. However, ignoring visitor medical insurance can backfire badly. Just a single trip to the doctor could set back the visitor (or his/her sponsor) by several hundred dollars, at the minimum. Consider the case of George Katehis, who […]

Read more »

Pack Your Visitor Insurance Before Travel

Flights from different parts of the world are full of vacationers this time of the year. Baggage is packed with homemade delicacies and other “authentic” stuff from home, as international travelers travel around the world, often visiting relatives abroad. One thing many people fail to pack is visitors health insurance. This is a popular season for traveling to the U.S. from India. Many visitors travel around the country, but fail to realize that a single medical incident can wipe out their savings, or that of their near and dear. The healthcare system in the U.S. is very different from that […]

Read more »

Insurance Helps U.S. Visitors Make Smart Choice

When travelers think of a trip to the United States, there are usually two reactions, both of which have to do with visitor health insurance. Do any of your friends or relatives think this way? A person either thinks that if he/she falls ill, then the cost of healthcare will wipe out their finances and so, a trip to the United States is not a good idea. At the other end of the spectrum are people who believe that positive thinking will work wonders, and that nothing will happen to them; so they travel to the U.S. without any protection. […]

Read more »

Buying Insurance Online: Separating the Wheat from the Chaff

So you’re ready to visit the United States, and have also decided to purchase adequate visitors health insurance for your trip. You search on Google, and tons of results come up. How do you actually go about purchasing visitors health insurance? The first way you can go about it is by contacting individual insurance companies. If you are currently outside the United States (which is probably the case), then you will find it extremely difficult to keep in touch with so many companies. The other more common and less complex way is to purchase insurance online. Several Web sites that […]

Read more »

Insurance Under the Hood: The Underwriting Process

When purchasing visitors medical insurance or travel medical insurance (or any insurance plan, for that matter), you would have seen the name of a company listed as the insurance plan’s underwriter. What exactly does the underwriter do? Let’s find out. An insurance underwriter is the person or company that assesses the typical risk that a plan represents for the company, and how much it should charge for a particular plan. Typically, this figure is arrived at after working with detailed numbers and applying complicated actuarial formulas on them. For example, if you are a 75-year-old man, your risk of claiming […]

Read more »

Choices Galore for Visitor Health Insurance

Your mother is planning to visit you for a few months in the United States, and fortunately, visitor health insurance is on your to-do list. What kind of insurance and coverage, must you buy? There are a plethora of visitor medical insurance plans available. You can either go for fixed benefits plans, also called scheduled benefits plans, or comprehensive plans. Fixed benefit plans offer a predetermined amount for each medical expense, depending on the usual and customary expense associated with it. In comprehensive benefit plans, on the other hand, allow for most expenses to be covered up to the maximum […]

Read more »