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How Safe Travels for Visitors to the USA Health Insurance Works - Reviews

FIRST
  You pay the deductible per incident, even for Dr. visits.
THEN
  Plan pays fixed amounts according to the schedule of benefits and you pay the difference.

Overview

Safe Travels for Visitors to the USA is a fixed coverage plan for non-U.S. residents traveling to the U.S. You can obtain an instant quote and/or purchase online on this web site. The insurance coverage can start as early as the next day or any future date you specify. As soon as you complete your purchase, you will receive a virtual id card in your email.


What is covered and not covered?

Safe Travels for Visitors to the USA will generally pay for new medical conditions, injuries or accidents that may occur after the effective date of the policy. It does not cover any expenses related to pre-existing conditions, preventive check ups, immunizations or maternity. However, it covers an acute onset of pre-existing conditions up to the policy maximum per period of coverage for persons below the age of 70 years. For people 70 and older the maximum benefit is $25,000 per period of coverage. FAQ on pre-existing conditions


Prescription drugs are covered according to the schedule of benefits for covered medical expenses.


Dental is not covered. Consider a low cost plan from CAREINGTON that provides excellent dental coverage.


Safe Travels for Visitors to the USA provides coverage in the USA including travel time.

How do I use the insurance?
Please look at the detailed description.

How much is covered?

You will have to pay a deductible (varies from $0 to $200, depending upon the age group) per incident (sickness or injury) before the insurance company starts paying anything for the covered expenses, even for doctor visits. You will need to continue to pay all the money yourself until you have completely satisfied the deductible. The deductible is not just for the hospitalization. There is no concept of copay. The deductible is applied only towards the eligible expenses.


After that, the plan pays fixed amounts according to the schedule of benefits up to the policy maximum. As you have to pay all the difference yourself beyond that, there is no out of pocket maximum.


Schedule of Benefits
Policy Maximums $25,000 Max
per Injury/Sickness
age 14 days to 69 years
$50,000 Max
per Injury/Sickness
age 14 days to 69 years
$75,000 Max
per Injury/Sickness
age 14 days to 69 years
$100,000 Max
per Injury/Sickness
age 14 days to 69 years
$175,000 Max
per Injury/Sickness
age 14 days to 69
$50,000
Annual Policy Max
Age 50 to 89 years
BENEFITS
Physician's Visits/Urgent Care Up to $55/visit, 1/day,
30 visits Max
Up to $55/visit, 1/day,
30 visits Max
Up to $70/visit, 1/day,
30 visits Max
Up to $85/visit, 1/day,
30 visits Max
Up to $115/visit, 1/day,
30 visits Max
Up to $55/visit, 1/day,
30 visits Max
Prescription Drugs (outpatient) Per Sickness/Injury Up to $100 Up to $100 Up to $125 Up to $150 Up to $200 Up to $90
Hospital Room & Board
including Laboratory Tests, X-Rays, Prescription Medical and other miscellaneous
Up to $1400/day,
30 day max
Up to $1400/day,
30 day max
Up to $1750/day,
30 day max
Up to $2000/day,
30 day max
Up to $2700/day,
30 day max
Up to $1500 /day,
15 day max
Hospital Emergency Room
(all expenses incurred therein)
Up to $350 Up to $350 Up to $450 Up to $550 Up to $800 Up to $350
Hospital Intensive Care Unit Additional $700/day,
8 day Max
Additional $700/day,
8 day Max
Additional $800/day,
8 day Max
Additional $900/day,
8 day Max
Additional $1150/day,
8 day Max
Additional $500/day,
8 day Max
Diagnostic X-rays & Lab Services
Scans, PET scan or MRI
$450
Up to $650 Scan PET scan or MRI
$450
Up to $650 Scan PET scan or MRI
$475
$875 scan, PET scan or MRI
$500
Up to $1050 scan, PET scan or MRI
$675
Up to $1300 Scan, PET scan or MRI
$450
Up to $650 Scan PET scan or MRI
Surgical Treatment Up to $3500 Up to $3500 Up to $4750 Up to $6000 Up to $7500 Up to $3500
Ambulance Services Up to $500 Up to $500 Up to $500 Up to $500 Up to $750 Up to $500



Example:
Lets assume that you have taken $50,000 policy maximum with $50 deductible.
  • Lets assume that the doctor charges $140/visit.


    Visit 1: Insurance company covers $55. You have an unsatisfied deductible of $50. The plan would pay $5 ($55 - $50).
    Visit 2: As you have satisfied your deductible, the plan pays $55.

    For all subsequent visits for the same injury or illness, up to the number of covered number of visits, it will continue to pay $55/visit.


  • You need to go to an emergency room visit which costs you $2,400. The insurance company covers $350. After $50 deductible (if not already satisfied), it will pay $300 and you will pay $2,100.

  • Let's assume that you were in an accident, then hospitalized for 3 days and need one surgery. The total bill is $40,000. The plan will pay $1,400/day for hospital room/board and $3,500 for surgery for a total of $1,400 x 3 + $3,500 = $7,700, assuming you have already satisfied your deductible of $50. You will be responsible for the balance of $32,300.


Disclaimer:

This is a high level description of the insurance plan meant to provide a quick overview. It may not describe all possible scenarios or coverages in all different cases. Please refer to the brochure and the certificate wording for complete details. Even though we have tried our best to accurately describe the plan, if there is any discrepancy between this description and the certificate wording, the certificate wording will prevail.


072016