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Ask Our Specialists
I notice there are deductibles e.g. USD50, 100 etc. Does this mean if I had any claims say USD400, the insurance company would refund me my full claims of USD400 if I choose the zero (0) deductible? And if I chose the USD50 deductible, then the insurance company will refund USD350?And I I choose the zero (0) before I claim?In short which insurance do I need to take for 23 days and avoid paying any upfront charges. Thank you!
The deductible is simply the amount you need to pay before the insurance will start to pay, so depending on the plan, that assessment is correct.
To receive the most coverage for covered expenses under a policy, we do recommend one of our comprehensive plans. However, there is not a Visitor plan on the market that can guarantee zero up-front costs. The decision to directly bill the insured or the insurance company is solely up to the medical provider. In the event that the provider did bill the insured, they would need to file a claim for reimbursement.
If you have any other questions please let us know.
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DISCLAIMER: Information presented in our Questions and Answers section is generic and was deemed to be accurate at the time of response. Please use the answers as a guide and do not make decisions based on the answers. The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage may have changed. Insubuy assumes no responsibility for relying on such answers. You should review the latest certificate wording of the insurance policy (available on this website) for the product you are considering for the latest and complete details. If there is any conflict between the answers provided here and the certificate wording, the details of the certificate wording will prevail.
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