Visitor Travel Medical Health Insurance - FAQ

• What are the differences between a comprehensive plan and a fixed benefits plan?
• What is the procedure to get pre-certification ?
• Why are the advantages of purchasing insurance with an American company and not buying it in my native country?
• There are so many choices between insurance plans offered by different companies. How do I know which plan is best for me?
• When should I buy the insurance plan?
• My parents are yet to start their travel, can I purchase insurance for them in their absence?
• Is the insurance plan refundable? Should I leave the country during its validity?
• What is the proof of my purchasing insurance?
• How do I purchase the insurance? When does the insurance take effect?
• Can I purchase insurance for only part of the stay of my parents in the US?
• Is the insurance plan purchased on a calendar monthly basis, or can a plan span 2 calendar months?
• What is the minimum duration for which I can buy an insurance policy?
• What is the maximum duration for which a policy can be purchased ?
• How are the insurance companies rated?
• Do I need to have a Social Security number to complete the form?
• Can I go to any doctor or hospital, or am I limited to specific list of medical practitioners?
• How do I find out which medical practitioners are part of a given insurance network?
• Can you explain by means of an example my expenses for different insurance plans?
• Should I pay the medical practitioner/organization initially and then get reimbursed or will the insurance company be billed directly?
• What is a deductible?
• What are the different types of deductible?
• I made a mistake in entering my data while purchasing the insurance, what should I do?
• What is co-insurance?
• Is it safe to purchase insurance online?
• Who/What is the AD&D Beneficiary ?
• Are there any medical test required before purchasing the insurance?
• What is the Policy Period?
• Should I purchase a combined policy for my parents or separate individual policies as both my parents are visiting me?
• When I buy the policy for more than one person, I am asked for only one passport number. Don't you need the passport number of all applicants?
• Is it possible to renew my policy?
• Does the insured need to have a medical examination?
• What is the meaning of UC & R ?
• What are pre-existing conditions?
• What is a PPO?
• What are Preferred and Non Preferred providers for a PPO plan?
• What is POS?
• Who is a Primary Care Physician?
• Can I change my primary care physician?
• What happens in the event of an injury or illness that demands immediate medical attention?
• What happens in the event of an accident during hazardous recreational activities?
• What if I become pregnant or acquire a sexually transmitted disease while traveling?
• Will the insurance protect me if I become injured or sick due to participation in unlawful behavior?
• Will the insurance cover me for cosmetic surgery?
• What is the Chart Number?
• What is the difference between Urgent Care and Emergency Services?