Travel Health insurance plans - per injury/illness plan vs per policy period plan

Travel health insurance plan maximum More than a billion people currently live outside the country of their birth. People are living and working outside their home countries in numbers like never before. All of this results in people travelling outside international borders regularly for reasons like education, vacation, business, visiting family members... As a consequence of this regular travel, there is a tremendous need for the health insurance industry to provide travel health insurance for international travellers.

There are numerous American travel health insurance providers selling health insurance plans for international travellers. However, there are many insurance terminologies that we come across while choosing a plan for us which can be confusing for people outside the insurance industry. Amongst them are "per injury/illness" and "per policy period", terms which are commonly used while describing coverages of health insurance plans.

In a health insurance plan, the term "per injury/illness" refers to the policy maximum amount of the plan and the deductible of the insurance plan. In this type of insurance policy, the policy maximum amount is the plan benefit and will be the same for every new injury/illness for the lifetime of the plan. The deductible amount that has been selected on the policy by the customer has to be paid each time for a new injury or illness.

In a "per policy period" plan, the available policy maximum keeps changing. Any injury or illness for which the plan has paid the claims previously will be deducted from the policy maximum each time and the deductible amount selected on the plan needs only one time payment by the customer during his/her first visit to the facility and they need not pay the deductible each time in case of new injury or illness.

Typically, Fixed benefit visitor insurance plans are 'per injury/illness' plans and Comprehensive visitor insurance plans are 'per policy period' plans. To learn more on the difference between Fixed and Comprehensive visitor insurance plans is important. US Student insurance plans are designed for international student coming to US on F1 Visa and health insurance plans for J1 Visa holders usually require 'per injury/illness' plans. The University health insurance and the J visa insurance requirements mention this in their requirements list.

Ask me a Question ?

Resourceful Travel health insurance information

Resources

Travel health insurance resources

Choose travel insurance for medical emergency while outside your home country.


 Know more
Factors

Compare travel health insurance factors

Important factors while deciding on the best travel health insurance for USA.


 Know more
comparison

Comprehensive travel health insurance online

Understanding different types of travel health insurance plans.



 Know more
Claims Procedure

Travel health insurance Claims Procedure

travel healthinsurance online claims process for getting medical care in a hospital.


 Know more

Posted On

Leave a Comment

    
    
    
Welcome to American Visitor Insurance  -  Online Chat
Name is required
Email is required Email is invalid
Contact is required