Exclusive Visitor Medical Insurance For Visiting Parents

By Ray Sondeo

Parents visiting children studying in American universities or working in the US generally visit for at least a few months. Owing to their age and changed surroundings, they may fall sick or injure themselves. A visitor insurance plan would ease the financial strain in such a circumstance. It is also useful to locate suitable doctors and hospitals.

Medical and Health plans for visiting parents can provide either fixed or comprehensive benefits. The cost of visitor health insurance, depends on age of the insured, type of coverage selected and number of days coverage is required. Comprehensive coverage plans offer greater coverage at a higher cost than the fixed benefit plans.

The plans for visitor health insurance for visitors to USA are flexible and can be customized. Coverage can be bought for any period from 5 days to 3 years. The coverage can range from $25,000 to $1,000,000.The deductible can be as low as $0 and go up to $2500.

Also check out the several co-insurance options for the visitor health insurance plans co insurance is the portion of the eligible payments that the insured is responsible for paying. It is the out-of-pocket expenses that must be paid by the insured for medical services.

Visitors health insurance plans seldom cover pre-existing conditions for visiting parents. However, is US citizens travel abroad, some plans do offer limited coverage for pre-existing conditions. Each visitor health insurance plan has its own definition of a pre-existing condition.

What is common to most visitors health insurance is the circumstances covered ? in-patient, out-patient and doctors expenses, drugs and tests for covered illnesses and injuries. Emergency medical evacuation, repatriation of mortal remains and compensation in case of accidental death and dismemberment are also covered.

An added advantage is the direct billing of expenses ? facilitated by a PPO network of providers that medical insurance for visitors providers tie up with. This takes care of the paper work while you take care of the patient. In case direct billing is not possible, you are reimbursed. It helps to maintain itemized bills to receive maximum reimbursement.

The visitor health insurance plans for visitors to the US are comprehensive and highly affordable. There is facility for convenient online purchase and confirmation of the plan, so you can buy your plan anytime, anywhere. If in doubt, employ the services of experienced insurance advisors who are available over the phone or via email to answer your questions.

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