Coverage for person aged 70-79

[ufunny]

Dear Immihelp,

Most policies have a maximum payout of only $100,000 for a visitor aged 70-79. Is it possible to buy two or three separate policies from a couple of different companies to increase the maximum payout amount? What happens if you have two policies for the same person and they fall sick?

-ufunny

[jagruti]

Actually most policies are provide coverage up to $50,000 for age 70-79.

Only Visitors Care, WorldMed and Diplomat Long Term provide $100,000 coverage for age 70-79. You can read about them at http://www.insubuy.com/visitor-insurance/

That is the maximum coverage you get for age 70-79.

You can NOT combine 2 or 3 policies to get more coverage. Only one will pay.

Actually, you don't worry about it as $100,000 is quite adequate for most things.

[ufunny]

Jagruti:

Thanks for the useful information. I am inviting my in-laws who are in relatively good health but still worried about the max $100,000 coverage which will be applicable to my f-i-l who is in the 70-79 age group. Is there no legal way to obtain more coverage even if the premiums are higher? Visitor health insurance is not something I want to skimp on.

-ufunny

[jagruti]

No, there is no other way.

$100,000 is the max you can get for 70-79 age.

That is not that bad considering that most domestic companies in US don't even offer insurance after age 65. (Because of Medicare)