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A. Comprehensive
Coverage Plans |
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B. Scheduled Benefit /
Limited Coverage Plans |
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Coverage |
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Enhanced benefits package in comparison to limited coverage plans. Best suited for higher risks or anticipated substantial expenditure. |
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Provides basic coverage. Ideal for general or basic service that covers lower risks. |
Benefit and Liability |
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Most comprehensive coverage plans work like PPO plans, where insured liability is deductible and you also have co-insurance. |
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Basic coverage, all possible medical treatment/service cost is pre-determined. Example: Each doctor visit is covered for $X.
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PPO Network |
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Most of them are like PPO plans and have a PPO network, implying a greater acceptance inside the network at greater discounted rates. |
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No PPO network. You can visit any doctor. Hospital expenses will be paid as per the pre-determined rates stated in the policy. |
Can you visit any Doctor or Hospital? |
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You may visit any doctor. However, it is advisable to visit a facility within the provider network, if a PPO network is available. |
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Yes. But, no matter which doctor you visit, the plan will pay only a pre-defined limit per doctor visit for the services taken. |
Travel Related coverage |
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Most of them include travel related coverage within the insurance bundle. This may offer you protection against trip cancellations, baggage loss, terrorism attacks, etc. |
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None |
Rates/Cost |
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Higher premium |
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Low premium (low cost) |
Example Plan |
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Liaison International, Atlas America, Liaison Continent, Visit-USA etc. |
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Inbound USA, Travelers Liberty |
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