How Visitor Insurance works?

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 case you have a medical situation, like 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 insurance company to verify benefits. 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. Be ready for any payment if asked. Ask for the receipts.

	Meet your Doctor Ask the doctor your questions and provide the information the doctor requests from you. Receive treatment

	Request for your bill Request for bill with itemized services with medical service code. You will need this during the 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 payment up front. 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 like visitor insurance, hence you need to make up front 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 dept will verify the information provided and make the payment for all eligible claims to appropriate parties. Payment can take 4 to 6 weeks or more, since insurance company takes time to collect all the information, verify claims, communicate with provider etc.

To learn more about claims:

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How Does Visitor Insurance Work?

<p> 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 case you have a medical situation, like sickness or injury. The process is the same for all overseas medical insurance plans. </p> <p> Following are the steps for using your visitor insurance in USA. </p> <table width="100%" border="0" cellspacing="1" cellpadding="2" style= "padding:10px;"> <tr> <td colspan="2"><hr style="border-width: 0pt 0pt 1px; border-style: none none dashed; border-color: -moz-use-text-color -moz-use-text-color rgb(204, 204, 204);"></td> </tr> <tr> <td width="30%" valign="top"><img src="/images/Slide01.jpg"></td> <td width="70%" valign="top" align="left"><h3>At the Hospital</h3> <ul class="bullet"><li>Show your insurance Information/ insurance ID.</li> <li>Provide all necessary information requested by the reception.</li> <li>Receptionist may call insurance company to verify benefits. </li> <li>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. Be ready for any payment if asked.</li> <li>Ask for the receipts.</li></ul></td> </tr> <tr> <td colspan="2"><hr style="border-width: 0pt 0pt 1px; border-style: none none dashed; border-color: -moz-use-text-color -moz-use-text-color rgb(204, 204, 204);"></td> </tr> <tr> <td valign="top"><img src="/images/Slide03.jpg"></td> <td valign="top" align="left"><h3>Meet your Doctor</h3> <p><ul class="bullet"><li>Ask the doctor your questions and provide the information the doctor requests from you. </li> <li>Receive treatment</li> </ul> </p></td> </tr> <tr> <td colspan="2"><hr style="border-width: 0pt 0pt 1px; border-style: none none dashed; border-color: -moz-use-text-color -moz-use-text-color rgb(204, 204, 204);"></td> </tr> <tr> <td valign="top"><img src="/images/Slide05.jpg"></td> <td valign="top" align="left"><h3>Request for your bill</h3> <p><ul class="bullet"><li>Request for bill with itemized services with medical service code.</li> <li> You will need this during the claims.</li> <li> Provider may send this bill later via mail.</li> <li>Service Provider can either send bill directly to the Insurance company Or send to you.</li> <li>You may have to communicate with the provider to get itemized bill for the services you have taken.</li></ul></p> </td> </tr> <tr> <td colspan="2"><hr style="border-width: 0pt 0pt 1px; border-style: none none dashed; border-color: -moz-use-text-color -moz-use-text-color rgb(204, 204, 204);"></td> </tr> <tr> <td width="30%" valign="top"><img src="/images/Pharmacy.jpg" ></td> <td width="70%" valign="top" align="left"><h3>Buy Medicine at Pharmacy</h3> <p><ul class="bullet"><li> Make payment up front.</li> <li> Ask for receipt.</li> <li> You can claim this money from insurance company, as per the policy coverage. </li> <li>Since pharmacies do not keep information in their systems for short term insurance like visitor insurance, hence you need to make up front payment at pharmacy. You should claim this from insurance company. </li></ul></p></td> </tr> <tr> <td colspan="2"><hr style="border-width: 0pt 0pt 1px; border-style: none none dashed; border-color: -moz-use-text-color -moz-use-text-color rgb(204, 204, 204);"></td> </tr> <tr> <td width="30%" valign="top"><img src="/images/Slide06.jpg"></td> <td width="70%" valign="top" align="left"><h3>Download Claim Form</h3> <p><ul class="bullet"><li> Download appropriate claim form from our website and complete it.</li></ul></p> </td> </tr> <tr> <td colspan="2"><hr style="border-width: 0pt 0pt 1px; border-style: none none dashed; border-color: -moz-use-text-color -moz-use-text-color rgb(204, 204, 204);"></td> </tr> <tr> <td valign="top"><img src="/images/Slide07.jpg"></td> <td valign="top" align="left"><h3>Documents required for filing a claim:</h3> <p><ul class="bullet"><li> Completed claim from.</li> <li>Clear copy of passport. (including visa page, picture page, pages with entry and exit stamps)</li> <li>Copy of I-94 (if visiting USA)</li> <li>Copies of all receipts</li> <li>Copies of medical bills and services itemized</li> <li>Cover letter outlining any special instructions</li></ul></p> </td> </tr> <tr> <td colspan="2"><hr style="border-width: 0pt 0pt 1px; border-style: none none dashed; border-color: -moz-use-text-color -moz-use-text-color rgb(204, 204, 204);"></td> </tr> <tr> <td valign="top"><img src="/images/Slide08.jpg"></td> <td valign="top" align="left"><h3> Payments</h3> <p><ul class="bullet"><li>Claims dept will verify the information provided and make the payment for all eligible claims to appropriate parties.</li> <li>Payment can take 4 to 6 weeks or more, since insurance company takes time to collect all the information, verify claims, communicate with provider etc.</li></ul></p></td> </tr> <tr> <td colspan="2"><hr style="border-width: 0pt 0pt 1px; border-style: none none dashed; border-color: -moz-use-text-color -moz-use-text-color rgb(204, 204, 204);"></td> </tr> </table> <p> To learn more about claims:<br> <ul class="bullet"><li> <?php echo create_article_link(95,"How does the claims process work?");?> </li> <li> <?php echo create_article_link(33,"Which Doctor Or Hospital I can visit with visitors coverage insurance?");?></a></li> </ul>