subject: Visitors Medical Insurance: Terms And Benefits [print this page] Visitors Medical Insurance: Terms And Benefits
There are certain things we all take care of when we are travelling to a different country. We take protective clothing, we bring back gifts for people back home, we carry all our maps and plans, we have photocopies of every ticket booked etc.
However, most of us usually travel without the basic item that must be the foremost on any traveler's list, a visitors' medical insurance. If we are travelling to a new country, the risk of falling sick or ill increases while the coverage is not available anymore.
This means one is exposed to all the problems that lack of a medical coverage brings. This is why one must apply for a visitors' health insurance plan even before leaving the shore of the country.
Terms
The Visitors' medical insurance often costs as less as $30 depending on what coverage one wants to take. If someone is healthy enough, coverage for sudden illness or accidents is at least required. A greater premium will also bring a greater coverage and it is purely up to the individual to decide what is affordable and what is not.
The period for the visitors' health insurance can be as small as 5 days and as long as 1 year. This can be extended to 3 years in total. Such insurance applies to general tourists, those who are searching for a job or a student, or parents who are visiting their children.
The insurance companies usually pay out in the same currency as the country you are in. If in US, for example, one must look for coverage anywhere within the range of $50000 - $300000. Some visas require this insurance compulsorily and a minimum amount is also specified.
In case of some insurance plans there is a network which is named. Therefore individuals can only visit hospitals or doctors in that network. In the absence of any network, policy holders will be reimbursed with the hospitalization charges.
Another thing to note is that the visitors' medical insurance could be either fixed or comprehensive. Visitors can check for these features online and find out the benefits before deciding upon the right trip cancellation insurance plan.
Visa
F1, F2, J1, J2, Green card and immigrant visa holders can all get the visitors' medical insurance.
Factors to Consider
Although one can never really predict the time of an illness, the coverage to choose and the visitor's medical insurance policy to take need a fair bit of consideration. One must think about the risk involved and whether they have too many nagging health problems which cannot wait until one returns home.
Also in a foreign country like US or in Europe, the premium is much higher than what you pay in the home country. Similarly the costs too are higher. So you must really know the risk based on past medical records on how you or your family has fared in drastic changes of climate and other conditions including food.
At the end of the day, these charges are less to the great expenses that you might incur if there are medical complications.
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