Visitors Care Insurance is a low-cost and fixed benefit insurance option when you have parents or relatives visiting the United States or for non-U.S. citizen traveling to any other foreign country.
Visitors Care Insurance provides affordable protection to non-US citizens when traveling to the United States or any other foreign nation. Visitors Care offers a broad package of fixed or scheduled benefits for individuals and families traveling and/or residing temporarily outside their home country and is available for a minimum of 5 days.
Policy Maximum
Visitors Care Insurance plan offers benefit maximums of US$25,000, US$50,000 or US$100,000 for the duration of the plan.
Deductible
US$0, US$50 or US$100 deductible per person for the plan duration.
Visitors care is travel insurance for non-US citizens traveling outside their home country. For visitors over 65 years old, the initial period of coverage must begin within 30 days of arrival in the USA.
Coverage
- Hospital Room and Board
- Hospital intensive care unit charges
- Physician visits, surgeon, Private duty nurse fee
The Visitor Care plan provides scheduled coverage for individuals travelling and /or temporarily residing outside their home country for a minimum of 5 days. The plan is renewable for 5 days upto 12 months up to a maximum total of 24 continuous months.
One policy may exceed 12 months. For each renewal, you will be charged a fee of US$5 in addition to the premium cost. Coverage is available from one month to 12 months After your application has been processed, you'll receive a confirmation of coverage by mail.
Visitors Care Insurance plan offers benefit maximums of US$25,000, US$50,000 or US$100,000 for the life of the plan, and a choice of deductibles of US$75 or US$150 applied per period of coverage.
Visitors Care Plan Benefits
Visitors Care Insurance policy offers benefit maximums of US$25,000, US$50,000 or US$100,000 for the life of the plan, and a choice of deductibles of US$75 or US$150 applied per period of coverage. When you incur eligible medical expenses, the plan will provide benefits for Usual, Reasonable and Customary charges up to the limits outlined in the Schedule of Benefits below, with no coinsurance. The four benefits below apply to all three plans.
International Emergency Care
Emergency Evacuation
To US$50,000 when coordinated through IMG
The plan includes coverage for Emergency Medical Evacuations to the nearest qualified medical facility in life-threatening situations, and expenses for reasonable travel and accommodations resulting from the evacuation, which must be approved and coordinated in advance.
Return of Mortal Remains
To US$7,500 when coordinated through IMG
If a covered illness/injury results in death, expenses for repatriation of bodily remains or ashes to the home country will be covered, up to a maximum of US$7,500.
Special Coverages
Home Country Coverage
As described below
Incidental Home Country Coverage - During the period of coverage, an insured person may return to his/her home country for incidental visits up to a cumulative two weeks total, and retain continuing coverage during such visit(s), so long as: a. The insured person must have previously left his/her home country for some portion of the period of coverage, and b. The return to the home country must not be undertaken for the purpose of receiving treatment for an illness or injury incurred while traveling or residing outside the home country.
Common Carrier Accidental Death
US$25,000 to Beneficiary
If accidental death should occur while traveling on a commercial common carrier during the period of coverage, US$25,000 will be paid to the designated beneficiary.
Medical Benefits - usual, reasonable and customary charges, subject to deductible where applicable
Plan A - US$25,000 maximum benefit per life of plan
Inpatient Treatment
Hospital Room and Board
Up to US$825 per day, 30 day maximum per period of coverage
Intensive Care
Additional US$400 per day, 8 day maximum per period of coverage
Surgical treatment
US$2,000 per surgical session
Consult physician
US$350 per period of coverage
Pre-admission tests
US$750 per period of coverage
Private duty nurse
US$400 per period of coverage
Physician Visits
US$40 allowable charge per visit, 30 visits per period of coverage
Outpatient Treatment
Surgical treatment
US$2,000 per surgical session
Diagnostic x-ray & lab
US$650 per period of coverage, (US$325 allowable charge per procedure)
Hospital emergency room
75% of URC to US$200
Prescription drugs
US$150 per period of coverage
Physician visits
US$50 allowable charge per visit, 10 visits per period of coverage
Miscellaneous Inpatient & Outpatient Services
Anesthetist
25% of surgical benefit
Assistant surgeon
25% of surgical benefit
Other Coverages
Ambulance
US$250 per period of coverage
Dental for accident to sound natural teeth
US$350 per period of coverage
Physiotherapy
US$25 per visit per day, 12 visits per period of coverage.
Plan B - US$50,000 maximum benefit per life of plan
Inpatient Treatment
Hospital Room and Board
Up to US$1,400 per day, 30 day maximum per period of coverage
Intensive Care
Additional US$660 per day, 8 day maximum per period of coverage
Surgical treatment
US$3,300 per surgical session
Consult physician
US$450 per period of coverage
Pre-admission tests
US$1,100 per period of coverage
Private duty nurse
US$550 per period of coverage
Physician Visits
US$55 allowable charge per visit, 30 visits per period of coverage
Outpatient Treatment
Surgical treatment
US$3,300 per surgical session
Diagnostic x-ray & lab
US$800 per period of coverage, (US$400 allowable charge per procedure)
Hospital emergency room
75% of URC to US$300
Prescription drugs
US$250 per period of coverage
Physician visits
US$55 allowable charge per visit, 10 visits per period of coverage
Miscellaneous Inpatient & Outpatient Services
Anesthetist
25% of surgical benefit
Assistant surgeon
25% of surgical benefit
Other Coverages
Ambulance
US$450 per period of coverage
Dental for accident to sound natural teeth
US$550 per period of coverage
Physiotherapy
US$40 per visit per day, 12 visits per period of coverage.
Plan C - US$100,000 maximum benefit per life of plan
Inpatient Treatment
Hospital Room and Board
Up to US$1,950 per day, 30 day maximum per period of coverage
Intensive Care
Additional US$850 per day, 8 day maximum per period of coverage
Surgical treatment
US$5,500 per surgical session
Consult physician
US$500 per period of coverage
Pre-admission tests
US$1,100 per period of coverage
Private duty nurse
US$550 per period of coverage
Physician Visits
US$85 allowable charge per visit, 30 visits per period of coverage
Outpatient Treatment
Surgical treatment
US$5,500 per surgical session
Diagnostic x-ray & lab
US$950 per period of coverage, (US$475 allowable charge per procedure)
Hospital emergency room
75% of URC to US$550
Prescription drugs
US$250 per period of coverage
Physician visits
US$85 allowable charge per visit, 10 visits per period of coverage
Miscellaneous Inpatient & Outpatient Services
Anesthetist
25% of surgical benefit
Assistant surgeon
25% of surgical benefit
Other Coverages
Ambulance
US$450 per period of coverage
Dental for accident to sound natural teeth
US$550 per period of coverage
Physiotherapy
US$40 per visit per day, 12 visits per period of coverage.
Plan A - One Month Rates - US$25,000 maximum benefit per life of plan
Option 1 -
US$0 deductible (
per period of coverage)
Option 2 -
US$50 deductible (per period of coverage)
Option 3 -
US$100 deductible (per period of coverage)
Age
One Month
One Month
One Month
2 weeks - 49
$31
$26
$23
50-69
$47
$39
$36
70-79
N/A
$61
$58
80+*
N/A
$122
$116
Dependent child
$24
$20
$18
Daily
Daily
Daily
2 weeks - 49
$1.04
$0.87
$0.77
50-69
$1.57
$1.30
$1.20
70-79
N/A
$2.03
$1.93
80+*
N/A
$4.10
$3.90
Dependent child
$0.80
$0.67
$0.60
* The maximum amount of coverage for applicants who are 80 years of age older is US$10,000
Plan B - One Month Rates - US$50,000 maximum benefit per life of plan
Option 4 -
US$0 deductible (per period of coverage)
Option 5 -
US$50 deductible (per period of coverage)
Option 6 -
US$100 deductible (per period of coverage)
Age
One Month
One Month
One Month
2 weeks - 49
$47
$39
$36
50-69
$71
$59
$55
70-79
N/A
$91
$86
Dependent child
$36
$30
$28
Daily
Daily
Daily
2 weeks - 49
$1.56
$1.30
$1.20
50-69
$2.36
$1.97
$1.83
70-79
N/A
$3.05
$2.90
Dependent child
$1.20
$1.00
$0.93
Plan C - One Month Rates - US$100,000 maximum benefit per life of plan
Option 7 -
US$0 deductible (
per period of coverage)
Option 8 -
US$50 deductible (per period of coverage)
Option 9 -
US$100 deductible (per period of coverage)
Age
One Month
One Month
One Month
2 weeks - 49
$70
$58
$54
50-69
$104
$87
$85
70-79
N/A
$136
$132
Dependent child
$59
$49
$45
Daily
Daily
Daily
2 weeks - 49
$2.33
$1.93
$1.83
50-69
$3.47
$2.90
$2.83
70-79
N/A
$4.55
$4.40
Dependent child
$1.97
$1.63
$1.50
Policy Exclusions
Charges for the following services, treatments and/or conditions, among others, are expressly excluded from coverage under the Visitors Care plan.
Pre-existing Conditions. Any Injury, Illness, sickness, disease, or other physical or medical disorder, condition or ailment that existed at the time of Application or at any time during the three years prior to the Effective Date of the Initial Period of Coverage, whether or not previously manifested or symptomatic, diagnosed, treated, or disclosed, including any subsequent, chronic or recurring complications or consequences related thereto or arising therefrom.
Treatment or surgeries which are elective, investigational, experimental or for research purposes.
War, political insurrection, protest, or any act thereof.
Immunizations and routine physical exams.
Treatment of Temporomandibular Joint or dental treatment, except as otherwise expressly provided for in the Policy Wording.
Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome, or AIDS, and the cost of testing for these conditions, and charges for treatment or surgeries which are incurred by any Insured Person who was HIV+ at time of enrollment into this insurance.
Pregnancy, childbirth, birth control, artificial insemination, treatment for infertility or impotency, sterilization or reversal thereof, or abortion.
Any Injury or Illness sustained while taking part in mountaineering activities where specialized climbing equipment, ropes or guides are normally or reasonably should have been used, Amateur Athletics or professional athletics, aviation (except when traveling solely as a passenger in a commercial aircraft), hang gliding and parachuting, snow skiing except for recreational downhill and/or cross country snow skiing (no cover provided whilst skiing in violation of applicable laws, rules or regulations; away from prepared and marked in-bound territories; and/or against the advice of the local ski school or local authoritative body), racing of any kind including by horse, motor vehicle (of any type) or motorcycle, spelunking, and subaqua pursuits involving underwater breathing apparatus.
Vision or ear tests and the provision of visual or hearing aids.
Vocational, recreational, speech or music therapy.
Charges incurred for custodial care, educational or rehabilitative care, or nursing services.
Charges, injuries and/or illnesses resulting or arising from or occurring during the commission or continuing perpetration of a violation of law by the Insured Person, including without limitation, engaging in an illegal occupation or act, but excluding minor traffic violations.
Treatment for, and injuries and/or illnesses resulting or arising from, substance abuse or drug addiction.
Injury and/or illness resulting or arising from or sustained while under the influence of or disablement of drugs or alcohol.
Willful self-inflicted injury or illness.
Treatment required as a result of or arising from complications from a treatment or condition not covered under the Visitors Care plan.
Any services or supplies performed or provided by a relative of the Insured Person or provided at no cost to the Insured Person.
Treatment for mental and nervous disorders.
Organ or tissue transplants, and all related services.
Treatment incurred as a result of or arising from exposure to nuclear radiation, and/or radioactive material(s).
PLEASE NOTE: This brochure contains only a consolidated and summary description of all current Visitors Care benefits, conditions, limitations and exclusions. A certificate of insurance containing the complete Policy Wording with all terms, conditions, limits and exclusions will be included with the fulfillment kit. Please review the Policy Wording carefully upon receipt and contact IMG if you have any questions concerning available coverages or benefits. The plan underwriter reserves the right to amend or modify the Policy Wording, and issue the most current Policy Wording for the Visitors Care plan, in the event an Application Form and/or this brochure has expired, is modified, or is replaced with a newer version. Current Policy Wordings are available upon request.
Visitors Care Insurance - Plan Remarks
Plan Features
The minimum period of coverage that can be purchased under Visitors Care Insurance is 5 days and the maximum is 12 months.
Visitors Care Insurance coverage can start as early as next day. You do not need medical records or a physical exam to sign up.
Plan Notes
Intensive Care Expense Coverage Limit: As specified in the Schedule of benefits in the plan brochure.
Outpatient Doctor Office Coverage Limit: As specified in the Schedule of benefits in the plan brochure.
The term "Pre Existing Condition" means any Injury or Illness which was contracted or which manifested itself, or for which treatment or medication was prescribed three (3) years prior to the effective date of this insurance."
A visitors medical insurance is a short term insurance policy suitable for anyone visiting USA and that covers medical expenses for visitors traveling outside their house country. The health care in countries like the United States and Canada are very expensive, even a minor illness requires spending large sums of money. This sort of insurance ... Posted: Sat, 04 Feb 2012 13:26:08 +0000 | Tags: Visitor Medical Insurance, Visitors Health Insurance, usa visitors insurance, visitor health insurance, visitor insurance, visitor insurance usa, visitor medical insurance, visitors health insurance, visitors health insurance usa, visitors insurance, visitors medical insurance, visitors medical insurance in usa
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The travel season is in full force the year around and many visitors to USA include parents visiting USA from other countries have started their visit to the United States or have plans made for their visit. It is also prudent to get visitor medical insurance in USA for the duration of their visit as ... Posted: Fri, 03 Feb 2012 22:00:49 +0000 | Tags: Visitor Medical Insurance, Visitors Insurance, usa visitor insurance, usa visitors insurance, usa visitors medical insurance, visitor insurance usa, visitor medical insurance, visitor medical insurance in usa, visitor medical insurance usa, visitors insurance usa
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