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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 and better benefits as compare to limited coverage plans. Best suitable for higher risk or big amount. |
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Provide Basic Coverage. Good for general or basic service and to cover lower risk. |
Benefit and Liability |
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Most comprehensive coverage plans works like PPO type plan where insured liability is deductible and co-insurance. |
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Basic coverage, all possible medical treatment/service cost is pre decided. Example each Dr visit X $ |
PPO Network |
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Most of them are PPO type plans and has PPO network, means grater acceptance inside the network and get discounted rates. |
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No PPO network. You can visit any Dr, hospital expenses will be paid as per the pre defined rates in the policy. |
Can you visit any Doctor or Hospital? |
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You may visit any Dr. but it is advisable to visit a facility under the Provider Network if PPO network available. |
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Yes, But no matter which Dr you go, plan will pay you predefined limit of per Dr Visit or service taken. |
Travel Related coverage |
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Most of them has travel related coverage bundled, and provide you coverage like Trip cancellation, Baggage loss, Terrorism 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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