How does the Visitors Care Plan Work?

Visitors Care is a limited coverage insurance plan, which means that it pays a fixed amount per incident, per person. The policy only covers up to a certain amount for each benefit, so any treatments or procedures that exceed the fixed amount will only be partially covered. For example, if you visit a doctor, the plan might reimburse you only a fixed amount for the visit, regardless of what the doctor's bill amounts to. The rest of the bill is your responsibility.

When using your Visitors Care Insurance policy, you will be required to pay the deductible first before the insurance company begins paying for any benefits. Once the deductible is satisfied, the plan will pay for covered expenses up to the fixed amount.

After receiving the treatment or service, the doctor or hospital will either bill the insurance company directly, or you will have to pay for the service upfront and file a claim for reimbursement later. In either scenario, you must file a claim.

For coverage within USA:

First: You satisfy accumulated medical expenses until your deductible is met.
Then: Insurance pays fixed amount per eligible medical service as outlined in the benefit table below, up to the policy maximum.
All expenses beyond the policy maximum are the responsibility of the insured.
Read the VisitorsCare brochure for complete details.


Plan A
($25,000 policy)
Plan B
($50,000 policy)
Plan C
($100,000 policy)
Dr. / Physician Visit $50 per visit $55 per visit $85 per visit
Surgical Treatment $2,000 per surgical session $3,300 per surgical session $5,500 per surgical session
Lab & X-rays $650 per period of coverage ($325 per procedure) $800 per period of coverage ($400 per procedure) $950 per period of coverage ($475 per procedure)
Hospital Room $825 per day
30 day maximum per period of coverage
$1,400 per day
30 day maximum per period of coverage
$1,950 per day
30 day maximum per period of coverage
Plan A
($10,000 policy)
Dr. / Physician Visit $50 per visit
Surgical Treatment $2,000 per surgical session
Lab & X-rays $650 per period of coverage ($325 per procedure)
Hospital Room $825 per day
30 day maximum per period of coverage

Note:

-Deductible is per incident, which means you pay the deductible for every new medical problem for which you go to the doctor or hospital.

-Policy maximum is the overall limit the insurance will pay per incident. The limits mentioned in the above limits are applicable per incident.

Visit Any Doctor or Hospital

Visitors Care is a limited coverage plan, so it does not have a PPO Network. This means that you can visit any doctor or hospital of your choice when using your Visitors Care policy. The healthcare provider will either bill the insurance company directly or have you pay upfront and file a claim for reimbursement later.