Healthcare, Health Insurance, Vitamins, Nutrition

October 30, 2009

Benefits Of Visitors Care Insurance Plan

Filed under: Health Insurance — Tags: , — blogadmin @ 7:13 am

Visitor Care Insurance is a visitor insurance policy which offers affordable and beneficial coverage for individuals outside their homeland. Since senior citizens who are more than 65 years old are also eligible for coverage, this is a popular choice among parents or overseas travelers who travel to the US.

Non US citizens who are traveling abroad are also eligible to purchase this visitor care insurance plan. Coverage for senior citizens who are above 65 years should start within a month of arriving in the country if the traveler does not have any other valid international travel health insurance coverage. Individuals who are outside the US while applying for this insurance plan should mention the planned date of arrival into the country in the enrollment form.

The Visitors Care Insurance plan covers various popular health care services like prescription drug coverage, out-patient treatment, local ambulance transport and emergency intensive care, dental injuries due to accidents, surgeries, doctor consultation, private nursing care, diagnostic tests and hospitalization charges.

The insured individuals can reap best benefits by consulting any medical expert, hospital or clinic that are a part of the PPO (Preferred Provider Organization) network. This would entitle them treatments at discounted prices and also reduce the out-of-pocket costs during the course of treatment.

Coverage becomes effective when the completed application form along with the initial payment is received by the insurance provider. Otherwise, it would start on the date of departure of the individual from the native country or any specific preferred date mentioned in the application form while submitting.

The visitor health insurance policy would remain valid until the expiry date or till the insured returns back to the homeland. Otherwise, a preferred date till when the policy should be valid can be mentioned in the application form also.

Visitors Care travel health insurance policy offers three choices for the individuals with varying policy maximums. Individuals can purchase this medical insurance plan for a period as short as 5 days up to a maximum of 1 year during the initial purchase. Renewal of this travel medical insurance plan is allowed for a maximum of 2 years at a stretch.

The insured individuals are entitled for a full refund if the cancellation request is submitted before the beginning of the effective start date of the Visitor Care insurance plan. Otherwise, refunds would be calculated for the remaining valid period if there are no claims filed so far under the medical insurance policy. A nominal cancellation fee is deducted while processing the cancellation request.

October 28, 2009

International Health Insurance Plans For Missionaries

Filed under: Health Insurance — Tags: , — blogadmin @ 5:18 am

Missionaries who travel overseas for business purposes need to purchase a suitable international insurance plan before their travel. Domestic medical insurance plans do not provide comprehensive coverage outside the native land.

The insurance plans designed for the missionaries provide worldwide coverage for both US and non US citizens traveling outside their homeland. There are policies that are available for a period as little as 10 days and for up to a maximum of 2 years. For longer periods of time, there are plans that provide year long coverage.

Many of the long term international missionary insurance policies place restrictions on the duration of stay in the US. However, certain specific missionary insurance plans do not place restrictions for these missionaries and their families.

International health insurance for missionaries offers a wide range of medical coverage benefits which includes doctor office visits, intensive medical care, local transport in the ambulance to the nearest medical set-up during emergencies, treatment of dental injuries which occur during the accident, emergency illness treatment with or without hospitalization, emergency evacuation, repatriation and reunion, accidental death benefits and return of mortal remains back to the homeland.

Long term missionary insurance plans cover the insured for maternity, pre-existing conditions and wellness after an initial waiting period which is pre-determined. The missionaries can also choose coverage for leisure sports and adventure activities.

The effective date of the short term international missionary health insurance plans begins on the day the completed application form is received by the insurance provider along with the requested initial payment and the day the missionary departs from the native country. However, if a specific date is mentioned in the enrollment form, the effective date starts as mentioned in the application. Missionaries seeking for long term health insurance coverage should also submit a lengthy questionnaire along with the application form. Coverage period begins once the application is approved.

The international insurance policy remains valid until the date requested at the time of application or the expiry of the insurance policy or upon the return of the missionary back to the country of citizenship, whichever event occurs earlier.

Short term missionary health insurance plans can be renewed on a monthly or a daily incremental basis. The request can be submitted online or in the form of a paper application. However, if the individual wants to renew for a period of less than 1 month, only online requests are accepted. In addition, a processing fee would be charged for the renewal process. Annual missionary insurance plans can be renewed as long as the insured wants to continue with the plan.

October 26, 2009

Visitors Care Insurance Plans

Filed under: Health Insurance — Tags: , — blogadmin @ 6:27 am

Visitor Care Insurance is a beneficial and popular visitor insurance policy offering beneficial coverage. The premiums are affordable and individuals are covered while they travel outside their native country. Since senior citizens who are above 65 years old are also eligible for the policy, this visitor travel medical insurance plan is quite popular among parents visiting the US or international travelers.

Non US citizens who are traveling abroad are also eligible to purchase this visitors care insurance plan. Coverage for senior citizens who are above 65 years should start within a month of arriving in the country if the traveler does not have any other valid international travel health insurance coverage. Individuals who are outside the US while applying for this insurance plan should mention the planned date of arrival into the country in the enrollment form.

The Visitors Care Insurance covers pre-defined benefits for medical expenses that occur during the stay abroad. Some of the benefits offered by Visitor Care Insurance include hospitalization charges, prescription drug coverage, diagnostic tests, out-patient treatment, intensive care in the case of emergencies, dental injuries to sound natural teeth due to accidents during the stay abroad, doctor consultation, surgeries, private nursing care and local ambulance transport.

The insured are entitled to subsidized treatment at beneficial rates if they consult a medical professional who is a part of the PPO (Preferred Provider Organization) network. This would ensure that the out-of-pocket costs expenses are the least while the patient undergoes treatment.

Coverage begins on the date of receipt of completed application form along with the premium or the departure date of the insured from the home country or the date specified in the enrollment form at the time of submission.

The visitor health insurance policy will be valid till the return date of the insured back to the native country or the lapse or expiry of the visitor care insurance policy or the date of coverage specified in the application form.

Visitors Care travel health insurance policy offers three different insurance plan options with different policy maximums. The minimum purchase period of this visitor medical insurance plan is 5 days and can be purchased at a time for up to a period of 1 year. The travel medical insurance plan can be renewed for a maximum period of 24 months at a time.

The insured individuals would be reimbursed the full amount if a cancellation request is submitted before the effective coverage period of the Visitor Care insurance plan begins. Otherwise, the refund amount would be calculated on a pro rated basis if no claims have been files so far under the health insurance plan. A nominal cancellation processing fee is also charged when the request is placed.

October 23, 2009

Atlas America Insurance for Visitors

Filed under: Health Insurance — Tags: , — blogadmin @ 6:20 am

The United States of America presents excellent opportunities and incentives for pursuing education, business and pleasure travel to foreign tourists. Atlas America visitor insurance guarantees optimum medical security and coverage to these visitors and protects them from unforeseen medical emergencies and needless health anxieties.

Even a short tour to America needs to be properly planned and carefully drafted out to ensure that no health crises might occur that could potentially ruin the entire trip. Investing in the insurance coverage of Atlas America Visitor Insurance Atlas America proves to be good investment in the long run, as securing decent medical attention in America often proves to be an extremely expensive affair.

Atlas America visitor insurance offers comprehensive medical coverage options and emergency medical services at extremely affordable costs. The policy could only be subscribed to by foreign citizens traveling to America for a short, pre-estimated tenure. The policy coverage lasts from a minimum period of 5 months to a maximum of 12 months. After the expiry of coverage, the policy could be easily renewed for two subsequently continuous periods, each lasting 12 months.

Atlas America insurance provides a complete and comprehensive insurance coverage and substantial reimbursement for primary and ancillary services of an essential nature. It reimburses necessary charges for emergency hospitalization and doctor’s consultation. The insurance policy also arranges for ambulance units and essential intensive care support during a medical emergency.

Atlas America health insurance coverage renders a substantial coverage for other eligible peripheral reasons as well. It provides suitable reimbursement benefits for any encountered acts of terrorism, trip interruptions/cancellations, unforeseen trip delays and natural disasters.

Atlas America visitor insurance offers valuable assistance in arranging for prompt medical evacuation and relocation during medical emergencies. It is one of the only policies that provides some coverage for an acute onset of a pre-existing condition. It also offers substantial financial reimbursement for prematurely terminated/interrupted trips for eligible reasons.

The Atlas America Insurance policy also facilitates repatriation of mortal remains in the event of death of the policyholder while on tour. The Atlas America insurance policy also facilitates easy cashless billings through the trusted support framework of the Hygeia PPO network. Treatments within the network are eligible for a waiver of coinsurance and the total incurred expenses are covered by the policy after the deductible is met.

Atlas America insurance is underwritten by one of the most respected underwriting corporations worldwide, Lloyds, of Lloyd’s London. Even the most cursory inspection of their plans and benefits reveal why Atlas America visitor insurance is such an easy and dependable choice for overseas tourists touring America.

October 22, 2009

Travel Insurance Exclusions

Filed under: Health Insurance — Tags: , — blogadmin @ 6:28 am

Isn’t it a thrilling experience to travel abroad? We are sure it is. But what will happen if suddenly a family member of yours falls sick or meets with an accident while traveling abroad? And on top of this mishap you are informed that your travel insurance policy doesn’t cover you against such medical expenses incurred by you!! Won’t that be awful for you?

Most travelers believe that their traditional medical insurance offers adequate coverage even while they are abroad. But the fact is that only medical insurance for travelers are designed for international travel. All insurance policies have exclusions and travel insurance is no different. However, it is imperative to be well informed in the clearest possible way about what you are and aren’t covered for.

If you have pre-existing medical conditions then it will not be accommodated by your travel medical insurance. Such conditions include pregnancy and related conditions, dental or medical conditions for which you are undergoing treatment, surgical or medical condition for which you are under medication. Anxiety, mental disorder, depression, traveling against the consent of your doctor is also considered as exclusion by travelers medical insurance.

Medical tourism is also excluded from travel insurance. If you are receiving a particular medical treatment then your medical insurance for travel might not cover you against the expenses you incur during your travel. Therefore, your travel medical insurance would be of no use if you are going abroad for a cosmetic surgery or for some similar cause which is recommended by your doctor.

Other circumstances that are excluded from travel health insurance coverage are war or war-like situations, epidemics, natural disasters, nuclear attacks etc. These are a few of the most common exclusions of all travel insurance policies which are offered.

Additionally, even high risk sports do not qualify under medical insurance for travel. Sports involving bodily contact such as mountaineering, skydiving, skiing, caving, riding in races, bungee jumping, parachuting, etc are excluded from the clauses of medical insurance for travelers. Some policies offer coverage for these hazardous sports, if an additional rider is bought by paying extra premium.

Frauds, loss of passport, deception by your travel agent, or any loss arising due to your irresponsibility is not accommodated by medical insurance for travel. Attempt to suicide, drug abuse/alcohol abuse are also not covered by your travel insurance policy.

Having travel insurance is always the best deal. However, travel insurance given by various travel insurance companies diverge in the additional cover offered. Thus, it is advisable to compare different travel insurance plans online and read the policy wording before choosing one for you. Remember, genuine claims, as well as new injuries and illnesses are covered after an investigation by claims department.

October 20, 2009

International Students Health Insurance – Global USA

Filed under: Health Insurance — Tags: , — blogadmin @ 5:46 am

The Global Student USA international insurance plan is ideally suited for international scholars and students who are leaving their home country to pursue higher studies. This international student medical insurance popular for its comprehensive benefits at affordable premiums.

The Global Student USA insurance policy meets the J1 visa requirements. In addition, it is suitable for F1 visa holders who are studying in the US. This is highly popular among international students as it meets the requirements specified by most of the educational institutions and programs, community colleges and universities in the US where foreign students are admitted.

The Global Student insurance policy offers wide range of coverage including in-patient and out-patient hospital services, childbirth, pregnancy and miscarriage related complications, prescription drugs, doctor consultation and other emergency travel assistance services which may require evacuations and repatriations.

Full-time international education program participants between 14 and 64 years of age who are outside their country of citizenship are eligible to buy this global student insurance plan. The plan does not offer optional coverage benefits and is not available for dependents.

The insured can renew and continue to remain in the same plan as long as the premium is paid before the lapse of the insurance policy.

In case the insured misses out on paying the premium on time, there is a 31-day grace period allotted for renewal. The insured would be eligible for full refunds if the policy certificate is submitted within 10 days of purchase after which no refunds are available.

The global student USA insurance plan becomes effective once the completed enrollment form is received along with the premium. In case you prefer a specific effective date, you can specify it at the time of submitting the application. When the insured is in the home country, this plan is very restrictive in the coverage benefits.

Coverage would end when the policy date expires, the policy is terminated as per the date requested in the enrollment form, the insured fails to meet the eligibility or the premium is not paid on time.

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