Benefits Of Visitor Care Insurance Plan

By Ray Sondeo

Visitor Care Insurance is a visitors care insurance policy which offers affordable and beneficial coverage for individuals outside their homeland. Since senior citizens who are more than 65 years old are also eligible for coverage, this is a popular choice among parents or overseas travelers who travel to the US.

Non US citizens who are traveling abroad are also eligible to purchase this visitors care insurance plan. Coverage for senior citizens who are above 65 years should start within a month of arriving in the country if the traveler does not have any other valid international travel health insurance coverage. Individuals who are outside the US while applying for this insurance plan should mention the planned date of arrival into the country in the enrollment form.

The Visitors Care Insurance plan covers various popular health care services like prescription drug coverage, out-patient treatment, local ambulance transport and emergency intensive care, dental injuries due to accidents, surgeries, doctor consultation, private nursing care, diagnostic tests and hospitalization charges.

Individuals consulting a medical professional who is a part of the PPO (Preferred Provider Organization) network would entitle treatment at subsidized prices and also reduce the out-of-pocket costs to the maximum.

The effective start of the plan begins when the insurance provider receives the completed enrollment form along with the initial premium payment. Otherwise, it begins on the departure date of the insured from the homeland. Individuals can also mention their preferred effective start date, if any, in the application form.

The visitor health insurance policy will be valid till the return date of the insured back to the native country or the lapse or expiry of the visitor care insurance policy or the date of coverage specified in the application form.

Visitors Care travel health insurance policy offers three different insurance plan options with different policy maximums. The minimum purchase period of this visitor medical insurance plan is 5 days and can be purchased at a time for up to a period of 1 year. The travel medical insurance plan can be renewed for a maximum period of 24 months at a time.

The insured individuals are entitled for a full refund if the cancellation request is submitted before the beginning of the effective start date of the Visitor Care insurance plan. Otherwise, refunds would be calculated for the remaining valid period if there are no claims filed so far under the medical insurance policy. A nominal cancellation fee is deducted while processing the cancellation request. - 29955

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