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Question:

I am currently in the US. I bought a visitor's insurance through insubuy after I arrived here in the US. My question is - I had an abdominal pain couple of weeks ago with high fever. I was admitted to emergency room . After the tests, I was diagnosed with acute cholecystitis and I had to undergo surgery for gallbladder removal. Although, I had a comprehensive plan through insubuy, but the hospital stay and surgery would reach almost maximum coverage that I had after the payment to hospital is made though insurance. I plan to stay another 3-4 months in the US but since I would have less coverage now, what are my options for getting more coverage or adding the coverage amount to existing coverage?

Answer:

We would be glad to advise.

You cannot increase a plan's policy maximum once the policy is active. 

Your only options would be to purchase a new policy or only have available the remainder of your current policy maximum.

Keep in mind that if you do purchase a new plan, anything that happened during the first plan will be considered pre-existing and not covered.  Therefore, if any additional treatment due to the above incident were needed, you would be paying out of pocket for those services.

If you have any additional questions, please let us know.

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