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!