Q1: Am I Eligible for the International Major Medical Insurance?

       If you are any of the following, you are eligible for the coverage.

1. Foreign Nationals visiting the USA.
2. Foreign Nationals moving to the USA.
3. Foreign Nationals employed by a US company who reside in their home country.
4. Foreign Nationals employed by a US company working outside their home country.
5. US citizens who are visiting the USA from a foreign country.
6. US citizens who are moving back to the USA from a foreign country

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Q2: Which doctor or hospital can I go to?

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Q3: How will I receive my ID card?
     The ID card along with the policy certificate will be mailed to you by traditional US postal Services after you been approved of the coverage.

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Q4. Does this plan have on flight coverage?
     Yes, this coverage will only apply if the flight days fall during the plan effective dates. It also includes any countries you travel through directly in route to the specified countries for a period of 48 hours .

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Q5: How long can I purchase this insurance for?
     You can purchase this insurance for a maximum period of 12months. You can repurchase the plan subject to underwriters approval.

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Q6: How do I buy this insurance?
   You have two options to purchase this insurance. Either online or by paper application.  A processing fee of  $100 is charged if you choose to apply through  paper application. The coverage is subject to approval by the underwriters. Time taken for approval varies from instant approval to 4-5   business days.

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Q7: How do I use this insurance?
     After the receipt of your ID card, you can go to any doctor you want within the specified geographic area. Benefits will be paid directly to you to reimburse you for necessary medical expenses which have been paid by you, subject to terms and conditions as outlined in the certificate.

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Q8: How do I file a claim?
      Written notice of a claim must be submitted to the insurance co. within 20 days after the eligible expense incurred. On receiving the notice of claim, the underwriters will furnish the claim form.
 The claim from must be submitted within 90 days after the date eligible expense are incurred along with the following documents.

1. Completed Claim form.
2. Signed authorization for release of medical records.
3. Original receipts form providers, or copies of cancelled checks or credit card payments plus a copy of a provider statement or bill.

All receipts must contain legible information to determine the name and address the Provider; the diagnosis; the treatment rendered; the date of service; and the payment made to Provider. In addition, Underwriters reserve the right to verify Your proof of loss by obtaining any or all necessary medical records or other necessary information from other sources. This will be obtained at Underwriter's expense.

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Q9. When I buy this plan, do I need to make the full payment at once or do I have the option of paying it on a monthly basis?
        If you are purchasing it for less than a year, based on the desired coverage length you have selected, you have to make the full payment at once. But if you are buying it for a year, then you can pay it either     quarterly, semi-annually or annually.

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Q10.I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy?
The benefits and cost does not differ if you buy individually or combined policies if you buy it online. But for paper application there is $100 processing fee, so in that case you can add the spouse in the same policy.
But if the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations.

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