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Ask Our Specialists
I've read the pre-existing conditions information and it is all clear. So if I've understood correctly, if my son breaks his arm or I get acute food poisoning or we are in a car accident, we would be fully covered for all of these things? Am I right to think that if we get in a car accident with the 0 deductible plan and have emergency bills, they will be fully covered up until the maximum amount we select per person? What would happen if we got in a car accident that kept us in the hospital for longer than the date of our coverage? (we are supposed to go back to France on January 11th, so if we were in an accident the 10th and had to be hospitalized, what would we be covered for? ) Lastly, am I correct in assuming that if I lose my contact lenses and need new ones, that would NOT be covered since I had a vision impairment before coming?
The plans will cover the new accidents and new illnesses that happen after the effective date of the policy. So if someone was to slip and fall or get food poisoning that is what the plans are designed to cover the new instances that happen after the effective date.
The plan will cover up to the selected policy maximum for the eligible expense. Beyond the covered effective dates you are able to renew the plan as long as it is before the expiration date so if you are admitted in the hospital and you are going to need coverage for the additional days you can renew the policy.
If continued coverage is needed in the home country some plans will offer a benefit period for he covered illness or injury if needed.
The plan will not cover any cost related to the vision or dental that is considered to be routine.
If you have any additional questions please feel free to contact our office.
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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 The answers presented may be outdated and altogether inaccurate currently or not relevant as the details provided such as the insurance terms and conditions, plan benefits, eligibility and coverage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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