Dear Sir/ Mam,
For your mentioned plan of Visitor Secure PlanD, how is the claim settlement done? Is it something that the insurance company pay directly to hospitals or the patient needs to claim retrospectively?
Also, please explain what $50,000 means in pre-exisiting illness coverage.
Thank you for contacting us at American Visitor Insurance for your visitor medical insurance
The claim payment is totally dependent on the doctor/provider that you go to. Normally if you to a doctor facility within the PPO network
of the insurance company, then they might be willing to call the insurance company directly and do the direct billing. If not, you will have to pay first and submit the scanned bills to the insurance company and they will reimburse it. Both of them are possible. But I would like to make it clear that claims and bill payment is not in our control.
For the PPO network information, use the below link to find out which doctor come under the network:
HCCMIS PPO Network
Regarding your second question, pre existing coverage is available in Fixed plans like Visitor Secure
up to the age of 70. By Pre existing condition coverage, the plan covers only the acute onset or the sudden recurrence but nothing apart from this. Again the report from the doctor should mention this for the insurance company to cover it. $50,000 coverage is the maximum amount that you can use on your policy for pre existing condition coverage
if you buy plan with a policy maximum of $50,000.
Please let us know if we can help you any further.
+1 (877) 340 7910Reviewed & Updated : January 2020