Q: If the person buys medical insurance for 6 months and selects $250 deductible, and towards the end of 6 months, he decides to get the insurance for another 6 months, will the deductible be $250/per policy period? $250 for 6 months or $250 for 1 year?

A: The deductible in Visit USA is per policy period, and in this case, it would be once per 6 months. On the other hand, with WorldMed, deductible needs to be attained only once per 12 months of continuous coverage.


Q: Person has no medical problem before buying medical insurance from TIS. If he buys for 6 months and then buys again for 6 months, and suppose he gets sick during those first 6 months, will those conditions be considered as pre-existing conditions in his renewal period and NOT covered or would the policy be considered as renewal and those pre-existing conditions would be covered.

A: With Visit USA, each is a separate policy therefore any new illness or injury incurred during the first policy period would be considered as pre-existing for the second policy. Exceptions to this of course would be minor things that can reoccur and not be related, e.g. flu. Also, there is a provision in the policy that allows coverage to go on past the policy period, for up to 26 weeks from the date of the incident (illness or injury) in some cases. This may allow for follow up treatment for covered illnesses and injuries that is required past the expiration date of the first policy, for example, for up to 26 weeks from when the covered illness or injury occurred.

With World Med, if some illness or injury occurs in the previous months, it will not be considered as a pre-existing condition once you renew the policy, as long as it was not a pre-existing condition in the previous policy period. On the other hand, if you take a new policy, it will be considered as a pre-existing condition. Thus renewability is a big advantage.

Q: Are the rates quoted in the rates table per person or per family?

A: Rates quoted are per person.