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Visit USA
- Lloyd's of London
- Travel Insurance Services
- Non US residents visiting USA
Unique Features
- $10,000 coverage for pre-existing conditions up to 65 years of age
- Dental coverage of $1,000
- Available in any US state (home/billing address)
Advantages
- Covers Adventure Sports at an additional price of 20% of the premium
- For travelers aged above 65 years, $2,500 coverage is available for pre-existing conditions
- Covers recreation sports (Intercollegiate/Interscholastic Sports) at an additional price
- Intercollegiate or Interscholastic sports(Available only under the Intercollegiate sports rider), this plan provides Usual, Reasonable and Customary charges up to $20,000 per Certificate period.
- This plan is available for the state of Maryland.
Disadvantages
- Not renewable
- $10,000 coverage for 80+ travelers
- Offers coverage only in US
Coverage Example:
Policy maximum of the plan: $50,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden body pain and the expense incurred is $350
Second incident is a minor accident and get hospitalized and is undergoing surgery for which the expense is $30,000
Policy maximum of the plan: $50,000
Deductible: $250
Coverage region: USA, claims incurred in the network hospital
First visit to the doctor due to sudden body pain and the expense incurred is $350
Second incident is a minor accident and get hospitalized and is undergoing surgery for which the expense is $30,000
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 body pain | $350 | $250 (Since the deductible is $250) | $100 |
| Minor Accidental hospitalization | |||
| Hospital Room and Board | $15,000 | $500 | $4,500 (coinsurance: 90% of first $5,000) + $10,000 |
| Other expense | $15,000 | $0 | $15,000 |
| Total: | $30,350 | $750 | $29,600 |
The usage of deductible and coinsurance:
- First time you visit the doctor with sudden body pain the bill amounts to $350 for a filling
- You will have to pay this 2$50 as the chosen deductible is $250 and the remaining amount, $100 the plan pays
- A few months later, you meet with a minor accident and get hospitalized to undergo a surgery for $30,000
- Now the plan will pay 90% of the first $5,000. ie. Company will pay $4,500 and you will pay $500
- The plan will then pay the remaining eligible expenses
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