How Does Visitor Insurance Work?

If you have purchased USA visitor health insurance or other International travel insurance plans for visitors, here is a description of how you can use your insurance plan in the event of a medical emergency, such as sickness or injury. The process is the same for all overseas medical insurance plans.

Following are the steps for using your visitor insurance in USA.

	At the Hospital Show your insurance Information/ insurance ID. Provide all necessary information requested by the reception. Receptionist may call the insurance company to verify benefits. Be ready for any payment if asked. Although most providers send bill directly to the insurance company, it is possible that you may be asked to make a payment against your deductible/co-insurance. Ask for the receipts.
	Meet your Doctor Ask the doctor any relevant questions and provide the information the doctor requests from you. Receive treatment
	Request for your bill Request for your bill with itemized services with medical service code, which will be required while filing for claims Provider may send this bill later via mail. Service Provider can either send bill directly to the Insurance company or send to you. You may have to communicate with the provider to get itemized bill for the services you have taken.
	Buy Medicine at Pharmacy Make an upfront payment. Ask for receipt. You can claim this money from insurance company, as per the policy coverage. Since pharmacies do not keep information in their systems for short term insurance such as Visitor Insurance, hence you need to make upfront payment at pharmacy. You should claim this from insurance company.
	Download Claim Form Download appropriate claim form from our website and complete it.
	Documents required for filing a claim: Completed claim from. Clear copy of passport. (including visa page, picture page, pages with entry and exit stamps) Copy of I-94 (if visiting USA) Copies of all receipts Copies of medical bills and services itemized Cover letter outlining any special instructions
	Payments Claims department will verify the information provided and make the payment for all eligible claims to appropriate parties. Payment can take 4 to 6 weeks or even more, since insurance company takes time to collect all the information, verify claims, communicate with provider etc.

To learn more about claims:

• How does the claims process work?
• Which Doctor Or Hospital I can visit with visitors coverage insurance?