US Customer Support
Visitors Care Insurance
(Non US Citizens traveling outside their home country )
- Sirius International Insurance Corporation
- A (Excellent) by AM Best
- International Medical Group
- Non US citizens traveling outside their home country
- For people over 65, the initial period of coverage must begin within 30 days of arrival in the US. These requirements are waived if proof of previous valid international travel insurance is provided.
Unique Features
- Coverage as low as $25,000
- Extended care facility coverage for 15 days
- $550 dental coverage available
Advantages
- Renewable up to 2 years
- Offers optional coverage for pre-existing conditions with Heart Care Plus rider. Pre-existing coverage up to 5,000 for people below 69 and up to 2,500 for people above 70
Disadvantages
- Only $10,000 maximum coverage for travelers age above 80 years
- For travelers age above 65 years plan must be purchased within 30 days of arrival to US
- Plans are only for travel to the USA
- Plans are not available for persons with home addresses in MD, KY, or WA
Coverage Example:
Policy maximum of the plan: $25,000
Deductible: $100
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $350
Second incident is a sickness and is undergoing a physician visit for which the expense is $5,950
Policy maximum of the plan: $25,000
Deductible: $100
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden dental pain and the expense incurred is $350
Second incident is a sickness and is undergoing a physician visit for which the expense is $5,950
The following table shows the amount paid by the plan and the customer:
| Expense | Bill Amount | Customer pays | Plan Pays |
| First Visit to the Doctor due to Sudden Dental Pain | $350 | $100 (Since the deductible is $100) | $250 |
| Sickness hospitalization | |||
| Hospital Room and Board | $1,000/day for 4 days | $700 | $3,300 ($825/day) |
| Physician consult | $450 | $100 | $350 |
| Pre-admission tests | $900 | $150 | $750 |
| Private duty nurse | $600 | $200 | $400 |
| Total: | $6,300 | $1,250 | $5,050 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden dental pain the bill amounts to $350 for a filling
- You will have to pay this $100 as the chosen deductible is $100
- A few months later, you fall sick and get hospitalized and the bill amounts to $5,950
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