Visitor Medical Insurance FAQ's -- Coverages
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Frequently Asked Questions about Visitor Medical Insurance
Visitor Medical Insurance FAQ's -- Coverage
Q: How soon can my coverage start?
A: If you apply online today, your coverage can start as early as after midnight today i.e. Tomorrow 12:01 AM Eastern time unless you select any
future date.
If you fill out paper application, it usually takes 4-5 business days to process. Then your coverage can start from any future selected date.
Q: Does these plans cover in home country?
A: No, these plans do not cover in home country. Suppose if you are citizen of India, these plans won’t cover in India.
Q: I want to get my routine check up from doctor in USA. Would Insurance company cover it?
A: No, They are not meant for routine check up or preventive care. Visitor Insurance plans are for emergency such as sudden sickness, injury,
accident and unforeseen circumstances.
Q: Is there any plan which covers pregnancy?
A: Yes, there are some long term plans which cover pregnancy with certain term and conditions. Some of them plans are “Inbound Immigrant” from
SRI, “Global Medical Insurance” from IMG, and “International Citizen Platinum” from MNU. Please read plan brochure for more details or contact us.
Q: What is Fixed coverage, Comprehensive coverage and Per incident coverage?
A: Click here to read about this coverage
Q: What is deductible, co - Insurance and policy maximum?
A: Deductible – The amount of initial expenses for which insured person is fully responsible before Insurance company pays eligible expenses.
Co-Insurance – The percentage of eligible expenses insured person is responsible to pay after deductible.
Policy Maximum – Maximum amount of money that Insurance company is responsible to pay for covered expenses.
Q: Is prenatal care covered?
A: No.
Q: What is difference between Emergency Services vs Urgent care?
A: Emergency Services – Those situations which require immediate medical attention, for which a delay in treatment can result in a permanent
physical impairment or loss of life (i.e. Poisoning, heart attack, sudden breathing problem, stroke….Etc).
Urgent Care -- This includes less serious situations than Emergency Services which require immediate attention (i.e. Fracture, cuts, fever…Etc).
Q: Are baggage loss, trip interruption and trip cancellation covered under the plan?
A: Yes, most of the plans cover baggage loss and trip interruption. It is always better to read plan brochure for more details.
Trip cancellation is an option rider. You may buy it by paying extra premium by choosing rider.
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Important Disclaimer: As per our knowledge and experience, we have tried to provide answers of FAQ's but there is no guarantee of accuracy of these answers. The exact
answers can vary time to time due to the change in Insurance companies policies/rules. Please use this information at your own risk. If you have any question/doubt, we
strongly recommend you to contact us.
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Copyright © 2006 - 2008 MCIS Multichoice Insurance Services, LLC. All rights reserved
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