I have a visitor medical insurance for my wife and me, my wife is leaving earlier. How can I cancel only her policy?

If the visitor medical insurance plan lists both of you on the same plan, you cannot cancel coverage for only 1 person and continue coverage for the other. If you have separate plans you can email your cancellation request for the person who needs to cancel. If both of you are listed on the same plan you may also consider cancelling your current plan and purchasing another visitor medical plan to cover you alone. Since yours will be a brand new plan your deductibles, co pay and pre existing condition waiting period will restart from the day your new plan […]

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How can I purchase visitor insurance for my 2 children who are below 18?

Visitor insurance is available to children over the age of 14 days. The children can be together on a plan if atleast 1 parent is applying for the visitor medical insurance. Some visitor medical insurance plans offer free coverage for a child if the parent purchases coverage. In the event the parent does not need coverage, you can purchase coverage only for the children using a child only rate. You must purchase 2 separate visitor health insurance plans, one for each child. The plans do not allow for 2 children to be on the same plan without an adult.

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Should I pay monthly or make a single payment up front?

Most short-term health insurance plans give you the option of paying in monthly installments, or in a single up-front payment. Often, single payment plan costs may be lower than monthly plan costs. We recommend that you select “Monthly”, if you don’t know exactly how long you will need coverage, or don’t want to make a single up-front payment. We suggest that you select “Single Up-front Payment”, if you know exactly how long you will need coverage, want lower plan costs, and don’t mind paying your whole premium up-front. If you select ” Single Up-Front payment” you will need to specify […]

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How soon can my coverage start?

Coverage for short-term health insurance plans usually starts the following day after the application is submitted. In order for coverage to start promptly, you can make your first premium payment by supplying a valid credit card number with your application. Please note that credit card billing of premiums is optional and you can obtain coverage without using that method of payment. If you would prefer to have your coverage start later, you can select a date up to 30 days in the future.

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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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What is co-insurance?

After your deductible is met, co-insurance is the percentage of the covered medical expenses that you, the insured person, must pay. For instance, if your health plan has an 80/20 co-insurance rate, your insurance plan pays for 80% of your eligible medical expenses and you are responsible for the remaining 20%.

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What are the types of deductible?

Per incident deductible: You pay the deductible every time you get a new medical ailment (be it sickness of accident related) before the insurance company pays anything. Inbound USA and Inbound Immigrant from SRI have deductible per incident. Per visit deductible: You pay the deductible every time you you visit a health care provider (doctor, hospital, laboratory etc..) before the insurance company pays anything. Per policy period deductible: You pay the deductible only once during the entire policy period, irrespective of how many times you get sick or injured during the policy period. Annual deductible: You pay the deductible only […]

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