Which doctor or hospital can you go to?
The Visitors Care insurance does not have a designated PPO network. You can go to any doctor or hospital of your choice. The billing process and the amount charged would be the providers discretion. The providers might or might not apply the discounted PPO rates. The insurance would pay only the given fixed amount, based on the schedule of benefits, irrespective of how much the providers charge. Also the providers may or may not directly bill the insurance company. The claim process would be mandatory, like any other travel insurance policy.
How much is covered and what are the benefits?
Read your policy document [Description of Coverage] carefully to know the limits, benefits, and exclusions. In some cases a Pre certification may be required.
Payment and Claim process?
For traveler insurance plans, direct billing is never guaranteed. The billing process is the discretion of the providers. Depending on their billing practices, the providers can either directly bill the insurance company International Medical Group (IMG), or send the bills to you. They could also ask you to pay up front, and get reimbursed from the insurance company. The claim process is mandatory, whether the providers directly bill International Medical Group (IMG)or ask you to pay. You would need to report and file claims with International Medical Group (IMG), within 90 days of taking the services.
Reporting and filing the claim:
All claims must be submitted in writing along with supporting documents and receipts.
Supporting documents include the ID of insured, copy of insured's passport, and copies of all receipts, bills, itemized services, and a cover letter.
Contact Information for Visitors Care Insurance
To learn about the claims process, please visit our support section - Visitors Insurance Claims Procedure