Visitor Medical Insurance FAQ's -- Purchasing
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Frequently Asked Questions about Visitor Medical Insurance
Visitor Medical Insurance FAQ's -- Purchasing
Q: Why should I buy visitor Insurance?
A: People who live in developed countries such as USA, England, Australia, France, and Italy…Etc are aware of high cost of medical treatment.
Visitor Insurance plans would insure you from unforeseen circumstances during the coverage period. Future is unpredictable. If you have
Insurance, you have chance to protect ourselves in future from unforeseen consequences. If you do not have Insurance, you will loose the chance.
Q: Is there any discount, if I buy directly from Insurance company?
A: All the rates and plan are provided directly from Insurance companies on our website. If they offer any discount, it will automatically apply to it.
All other websites or agencies work same way. So, you would find same premium for these Insurance companies plan anywhere around the world.
Q: If I buy this policy, does “MCIS Multichoice Insurance Services” provide any discount?
A: Neither Insurance companies nor “MCIS Multichoice Insurance Services” provide any discounts. All the quotes are generated through Insurance
companies database and all the premiums are directly paid to Insurance companies.
Q: Does "MCIS Multichoice Insurance Services" charge any fees which I need to aware of?
A: No, We do not charge any fees to provide you this service.
Q: Why should I buy visitor Insurance from US based companies when I can buy it from home country?
A: There are several reasons for that.
US based company
- US based companies have wide network with doctors/hospitals. So, you may find the provider in most countries through internet or by
calling Insurance company.
- Most of the comprehensive plans have PPO network where company pays a negotiated fees to provider.
- If you go within the PPO network, doctor/hospital can get pre-authorization from Insurance company and they will send the bill directly to
Insurance company. You just have to pay your share such as deductible or co-insurance or uncovered medical expenses.
- If you are leaving back early, you may cancel the plan and get the premium back (if no claim is submitted) according to plan term and
conditions.
Non-US Company
- They don’t have doctor/hospital network outside their country.
- They don’t have PPO network. So you pay their regular service charges.
- If you visit foreign country, you have to pay the bill first and then you fill out the form and send the bill to the Insurance company and wait
for reimbursement. Most of the time bill is really big which person cannot afford to pay. But unfortunately this is reality.
- Important Note: Some of the non-US Insurance companies ask for copy of passport/visa with entry and exit stamp which means you can not
get reimbursement of bill until you reach your home country.
- If you want to cancel the plan, most of the non-US companies do not refund premium.
Q: Is there any age limit?
A: Most of the plan covers up to age 69, some plans provide coverage up to age 79, but there are few plans which provide coverage for age 80
and more.
Q: What date should I select for coverage during purchasing plan?
A: Start date – Select the date you are starting from your home country. Once the plane takes off, your coverage starts from there. So, you would
be covered during the flight.
End date – Select the date when you would reach home country. Once the plane lands in home country, your coverage ends there. So, you would
be covered during the flight.
Note: Remember, all plans start and end according to US Eastern time.
If your relatives are visiting from India, there are approx. 12 hrs differences between Indian and US time. To be on safe side, we recommend you
to put effective date one day advance from actual start date and end date to be one day later according to US Eastern time because sometimes
there may be delay in the journey due to any reason. So, they may also be covered during journey.
Q: Is there any physical or medical exam require by Insurance company to purchase short term visitor medical Insurance plans?
A: No.
Note: Only long term medical Insurance plans requires previous medical history of the person to be insured.
Q: When can I buy visitor plan? Does it have to buy by insured?
A: You can buy visitor Insurance plan any time from our website (24 hours a day and 7 days a week).
It can be bought by anybody such as relatives, friends, groups, business persons….Etc.
Q: I am not sure how long would I stay. So, for how long should I purchase the plan?
A: If you stay 3 months and more, we recommend you to buy the plan for minimum of 3 months because most of the plans are renewable, if you
initially purchase for 3 months, you have the option to renew it.
Q: What is the difference between renewal and non renewal plan?
A: There is big difference between renewal and non renewal plan.
Renewable plan – If you initially purchase the plan which is renewable, you have an injury and went to doctor/hospital for medical treatment
during coverage period and you pay deductible and co-insurance and company pays the bill according to coverage. After that if you renew the plan,
then you don’t have pay the deductible again and your co-insurance would accumulate to the plan after renewing it. If you need any further
medical attention for the same injury, it won’t be considered as pre-existing condition because that is still one policy whose coverage has not
finished yet.
Non Renewable plan – If you initially purchase the plan which is non-renewable, you have an injury and went to doctor/hospital for medical
treatment during coverage period and you pay deductible and co-insurance and company pays the bill according to coverage. After that if you want
to extend the plan, you have to buy new policy because this plan was not renewable. Then, you have to meet deductible and co-insurance again.
If you need more medical attention for the same injury which occurred during last policy period, it would not be covered because that would be
considered as a pre-existing condition because it happened before this policy started.
Your previous policy and this policy would be considered as two different policies.
Q: If I travel multiple countries, would Insurance company provide me coverage?
A: Yes, if you select option for it. There are usually three options when you purchase a plan.
(a) USA only
(b) International Excluding USA
(c) International Including USA
Select the option which best fits you. But remember, these plans do not cover home country.
Q: If I located outside USA, can I still buy this plan?
A: Yes, you can buy this plan from any corner in the world if you have any credit/debit card to pay premium in US dollars.
Q: What information would I need if I am purchasing this plan for my relative?
A: These are following:-
- Insured person full name as per the passport.
- Insured person Passport number.
- Insured person date of birth.
- Credit/debit card to make payment in US dollars.
Q: When I fill out online application for my parents, I do see column to fill out passport number for my father but I don’t see column to fill out
for my mother.
A: In most of the plans, only one passport number is required per family.
Q: I need to buy visitor Insurance for my parents/relatives. Would it be cheaper if I buy combine policy?
A: No, it would be same price if you buy combine policy or two separate policies.
Q: If I don’t have last name, how would I purchase this plan because online application ask for first and last name?
A: No problem, you may fill out your first name in both the columns.
Q: Can I purchase group Insurance for 4 people? If not, what are my options?
A: No, it requires minimum of 5 people to buy group Insurance.
The only option you have that you can buy four separate policies. If they are two married couples, you may buy two separate policies (two on each
policy).
Q: Whose name should I write in the column for beneficiary?
A: You can write any name that you want to choose beneficiary such as son, daughter, spouse, relative…Etc.
Q: When should I buy visitor Insurance plan?
A: Once your trip is confirmed you can buy plan.
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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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