Sunday, June 1, 2014

Planning To Travel U.S.A Insurance Issuing A Visa

Health insurance against the risk of incurring medical expenses among individuals, families and groups. In simple words, health insurance helps you to pay for your health care costs. It pay for healthcare treatment costs. It pays for doctor visit, X-Ray lab and test, out-patient treatment, surgery, ambulance, maternity, prescription, etc. Coverage varies from plan to plan. It pays for unexpected medical emergencies. It can cover conditions existing beforehand under certain terms and conditions. Such as, if you completely disclose about you condition existing beforehand in application during submission and underwriter approves it then yes, that condition will be covered. Remember, all conditions are not covered.

When traveling out of your home country to U.S.A., consider planning for visitor / travel insurance as a key component of your travel arrangements – a component that is just as important as booking a hotel or airline ticket. While no one intends to suffer an illness or injury, unfortunately, those problems can occur during international travel. Instead of risking your health and safety or incurring the high cost of overseas medical treatments, be prepared prior to leaving home.

Additionally, visitor insurance may not be optional. Some countries require travelers to show proof of medical insurance prior to issuing a visa. Verify with your embassy if medical insurance is required or visit the U.S. Department of State website to verify if this is required for your visa. Individuals who buy insurance are provided with a "visa letter" by some insurance companies showing proof of coverage which shows the visa holders name, passport information, length of stay, and medical coverage maximums which can be taken to your visa interview appointment. 

Furthermore, if you buy health / medical insurance, some companies also give you an identification card so that when you seek care from a hospital or doctor your medical expenses can be directly paid by the concerned insurance company.

As part of the planning process, do not assume that your medical insurance will travel with you. According to the U.S. Department of State, many medical providers do not cover medical costs outside your home country. Your medical insurance may not reimburse you on claims for any overseas visits.

Visitor health insurance, also known as visitor medical insurance, is a form of short-term travel medical insurance policy that visitors to any country purchase to obtain coverage protection for accidental injury or sickness or illness that occurs during their stay in the host country.

Visitor health insurance is a form of travel medical insurance USA and offers health coverage for relatives or parents visiting, or for travel protection to visit any country for any reason, business or personal. This type of private health coverage for visitors is purchased as a short term health plan that provides medical coverage beyond national borders, and only for the duration of travel or stay outside home country. These visitor health insurance plans also provide medical evacuation and repatriation benefits as part of the covered features.

Visitor health insurance is not currently mandatory for all foreign nationals who are temporary visitors to USA, but travelers from certain nations visiting the European Schengen states, UAE, etc. are currently required to provide proof of coverage to qualify for a visitor visa.

Visitors to the United States are typically not eligible to purchase health insurance coverage like citizens and permanent residents. Only immigrants, who are not temporary visitors to USA, are eligible to purchase coverage.

1 comment: