NRIOL Visitor Secure Insurance: Medical coverage for visitors, relatives in USA

VisitorSecure ^SM is an innovative new product designed to protect international visitors to the United States. The program is available to non-US citizens who come to the US to visit, study or immigrate. It is also an ideal choice for individuals visiting relatives and family members who live in the US. VisitorSecure ^SM is your cost effective option for providing protection to loved ones visiting from abroad.

VisitorSecure ^SM Insurance provides a choice of Policy Maximum of US$50,000, $75,000, $100,000 and $130,000 for Age 14 days to Age 69 ; for ages 70 to Age 79 the maximum is US$50,000; and for ages 80 and above the maximum is $10,000

$0, $50 or $100 per injury/sickness per person; For ages 70 and above $100 or $200 per Injury or Illness.

Outside the U.S. and Canada:
VisitorSecure ^SM Insurance is available to US citizens for coverage outside the US, Puerto Rico and the US Virgin Islands..

In USA:
For the Certificate Period, Underwriters will pay 100% of Eligible Expenses after the Deductible up to the covered amount for each type of medical expense.

You can choose from Plan A, B, C, D with the VisitorSecure SM. Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select any plan. Overall Policy Maximums reduce on the dates of the 70th and 80th birthdays if those dates occur while an individual is covered under the plan.

VisitorSecure ^SM cannot exceed 12 months. You can reapply by completing a new application.

VisitorSecure ^SM Insurance is underwritten by Lloyds.

VisitorSecure^SM Insurance is administered by HCC Medical Insurance services, LLC.

Eligibilty

To be eligible for VisitorSecure ^SM, you must be traveling outside of your Home Country and be at least 14 days of age. US citizens must be traveling outside of the US, Puerto Rico and the U.S. Virgin Islands in order to be eligible. For individuals coming to the US who are over age 65, coverage must be effective within 30 days of arrival.

Individuals ages 80 and above must select Plan A. Individuals ages 70 to 79 may select Plan A or Plan B. Individuals age 69 and under may select any plan. If an individual reaches age 70 while covered under the plan, the Deductible changes to $200 as of the date of the 70th birthday. Overall Policy Maximums reduce on the dates of the 70th and 80th birthdays if those dates occur while an individual is covered under the plan.

Coverage begins on the latest of the following:

The moment Underwriters receive Application and correct premium if Application and payment is made online or by facsimile or
12:01am* on the date Underwriters receive Application and correct premium if Application and payment is made by mail.
The moment the Member departs from his or her Home Country
12:01am* on the date requested on the Application.

Your coverage will end on the earlier of the following:

11:59pm* on the last day of the period for which premium has been paid or
11:59pm* on the date requested on the Application
The moment of the Member’s arrival upon return to his or her Home Country

*Times expressed above are based on US Eastern Time

Plan Benefits

VisitorSecure SM Insurance offers a broad range of benefits including:

Hospital Room & Board (including intensive care, supplies, diagnostics etc.)
Out patient services (doctor office visits, X-Rays etc.)
Emergency Medical Evacuation Expenses
Repatriation of Mortal Remains Expenses
Common Carrier Accidental Death and Dismemberment (AD&D)

Remarks

PPO Network: The plan does not use any PPO network. One can go to any hospital or doctor of choice. Providers (hospitals and doctors) can bill the insurance company directly but it is voluntary because no PPO network arrangements exist.
Renewal: There is a $5 admin fee each time you renew. After your initial purchase, you may extend your coverage up to a maximum of 364 days from the initial effective date. You may renew your coverage for an additional year as long as you continue to meet the eligibility requirements. Extensions and renewals can be made online with payment by credit card at Client Zone.
Cancellation: Full refund of premium is possible if written request is received by HCC prior to the Effective Date of Coverage. Cancellations after the Effective Date of Coverage are possible only if there are no claims; unearned premium is refunded less a $25 cancellation fee.