In the previous article, Reading the Fine Print-I, we saw how the policy duration of visitors insurance plans can affect the choice of insurance. Now, let???s look at how reading the Schedule of Benefits carefully and matching it with intended activities is imperative.

Let???s say, a lady, Sharon, who is on a visit to the United States, has sustained an arm fracture. She is covered under a visitor health insurance policy, and so she doesn???t worry much. Her boyfriend, Adam, makes a note of the next steps they will need to follow.

They call an ambulance, take her to the emergency room, get her examined by a physician and take an X-ray .She may also need hospitalization, anesthesia and a cast or splint, and prescription drugs. Sharon heaves a sigh of relief, as all the above benefits are covered by her policy. Even post-operative physiotherapy is covered, and she is glad she bought the insurance.

Sharon calls her friend Nancy for help, explaining that she broke her arm while falling off a hill on an amateur hiking trip. Sharon is relieved that all the costs would be taken care of, since she is insured. But Sharon might receive a nasty shock once she is discharged. The exclusion clause of the policy reads, ???Injury during mountaineering is not covered if the recommended climbing equipment is not used.??? The activity would have been covered by the hazardous sports insurance rider, if Sharon had opted for it by paying an additional premium. That???s why we recommend that you always ??? Read the Fine Print!