United States hosts a large number of foreign visitors from all over the world. While US offers possibly the finest health care services in the world, it is one of the most expensive countries to get any medical treatments done especially in case of hospitalization. So it is natural that people who are planning to visit US are worried about the possible out-of-pocket medical expenses.. So it is important to get Insurance For Visitors To USA to protect them and their family from the possibility of very high medical expenses in case they get sick or meet with an accident.So it is wise to purchase a travel health insurance to cover that risk. There are several companies both in US and India who sell travel insurance or what is commonly termed in US as “Visitors Insurance”. If you search on Google, you will find websites that let you compare travel insurance plans from different companies either only from US or only from India. SimplyGlobal is the only website that compare visitors insurance plans from both US and India. When you compare different US Visitor Insurance plans you need to look at a few things.
To start with, you need to decide if you want to go for what is generally termed as “limited” coverage plans or if you want to go for “comprehensive” coverage plans The difference being that the limited plans will generally have $ limits on different outpatient and inpatient (hospitalization) services. For example a certain $ limit that the insurance will pay for each doctor visit and a maximum number of doctor visits allowed per illness. Or in case of hospitalization, a per-day $ limit on hospital expenses. And so on.
Once you make that decision, you need to decide how much coverage you want to take? The coverage that you can typically buy ranges anywhere from $25,000 to up to $500K to even a $1M by some plans.The second thing to consider is the deductible you want to pay in case of each illness/injury. It usually ranges from $0 to $2500.
Co-insurance that each plan charges. Plans pay anywhere from 75% to 100% of expenses in some cases.
If the plan offers direct billing for outpatient and hospitalization services. If not, the procedure to claim the reimbursement.
And if the plan has affiliation with a doctor network then making sure that there are doctors in your area if you need to visit for an illness. Some plans waive co-insurance if you go to a doctor in their network hence this is an important consideration for certain plans.One of the neat things about SimplyGlobal is that it also provides several related services to immigrants and their families including a way to get free quotes from good quality travel agencies in India for vacation packages, comparison of various money transfer services and a great forum where people can ask questions for free and they can get replies from experts like tax consultants and insurance agents etc. So if your relatives are visiting US you should look at all your available options for US visitor insurance and compare various plans by using one of these websites where you can also purchase the plans directly through them.
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ricky26 Joined: February 7th, 2014 Articles Posted: 2,308
