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How Visitor Secure® 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

Visitor Secure® is a fixed coverage plan for non-U.S. citizens traveling outside their home country. 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 make a purchase, you will receive a virtual id card in your email. Physical cards along with the policy will be mailed to you on the next business day. You should receive them in about five to seven business days within the United States.


What is covered and not covered?

The insurance company 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. 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.


Visitor Secure® provides coverage anywhere outside of your home country including travel time as well.

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
Overall policy maximum
Ages 14 days - 69 years $50,000 $75,000 $100,000 $130,000
Ages 70-79 $50,000 $75,000 N/A N/A
Ages 80 and above $10,000 lifetime N/A N/A N/A
Benefits
Office visits, including urgent care $70 allowable per visit, 10 visits maximum $85 allowable per visit, 10 visits maximum $100 allowable per visit, 10 visits maximum $130 allowable per visit, 10 visits maximum
Outpatient prescription drugs $150 maximum $200 maximum $250 maximum $300 maximum
Emergency room (all expenses incurred therein) $375 maximum $485 maximum $600 maximum $785 maximum
Diagnostic x-ray and labs $500 maximum, plus $400 for one CAT Scan, MRI or PET $550 maximum, plus $450 for one CAT Scan, MRI or PET $600 maximum, plus $500 for one CAT Scan, MRI or PET $750 maximum, plus $650 for one CAT Scan, MRI or PET
Hospital room and board, including miscellaneous $1,450 per day, maximum 30 days $1,725 per day, maximum 30 days $2,000 per day, maximum 30 days $2,585 per day, maximum 30 days
Intensive care unit, including miscellaneous $2,200 per day, maximum 8 days $2,600 per day, maximum 8 days $3,000 per day, maximum 8 days $3,800 per day, maximum 8 days
Surgery $3,300 per session $4,400 per session $5,500 per session $7,150 per session
Local ambulance $500 maximum



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 $60. You have $50 towards the unsatisfied deductible. The plan pays $10 ($60 - $50).
    Visit 2: As you have satisfied your deductible, the plan pays $60.

    For all subsequent visits, up to all covered number of visits, it will continue to pay $60/visit.


  • You need to go to an emergency room visit which costs you $2,400. The insurance company covers $375. After $50 deductible (if not already satisfied), it will pay $325 and you will pay $2,075.

  • Let's assume that you were in an accident and are hospitalized for 3 days and needed one surgery and the total bill is $40,000. The insurance company will pay $1,450/day for hospital room/board and $3,300 for surgery for a total of $1,450 x 3 + $3,300 = $7,650, assuming you have already satisfied your deductible of $50. You will be responsible for the balance of $32,350.


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.


04/01/2017