Once you purchase an insurance policy online, a confirmation notice and a virtual card will be e-mailed to you. You must take a print out of the virtual card as proof of insurance and keep it with you at all times during your stay abroad. The confirmation email also includes information about the policy with links to further reference materials.
Seeking Medical Help
Medical attention for sick individuals is prioritized in the United States, usually based on the kind of illness and the physical condition of the patient. There are some of the basic ways to seek Medical Treatment. In an emergency, go to the ER*. Consider seeking immediate assistance for:
- Heavy bleeding
- Large open wounds
- Sudden change in vision
- Chest pain
- Sudden weakness or trouble talking
- Major burns
- Spinal injuries
- Severe head injury
- Difficulty breathing
- Major broken bones
*Pre-certification required for certain expenses. If the insured is not admitted there may be a deductible applied. Please see policy documents for exclusions and limitations
Emergency & 911
Life-threatening health conditions such as cardiac arrest, respiratory problems, or major accidents require immediate medical attention. These situations are usually attended by paramedics and hospitals. You can call 911 in the U.S. to summon the paramedics and be transported to a hospital.
You can also call 911 if you feel helpless, are unable to move, or just feel vulnerable. Once the call is made, help arrives at your location very quickly. The paramedics will check your vitals and try to gather information for the doctors while transporting you to the nearest emergency facility.
Emergency facilities are open 24 hours a day, seven days a week, and service is provided for any individual regardless of his or her insurance plan. There is a 48-hour cushion period to inform the insurance company about the event. If the insured person is not in a position to do so, anybody can call and inform the company on his or her behalf .
As per the terms defined in the policy, all emergency medical services are paid for, even if the facility visited is not in the network.
When a patient needs urgent medical attention but does not face an immediate threat, urgent care facilities are often the best option. Environmental allergies, the flu and ankle sprains are some conditions that fall under urgent care. Visit the nearest medical center registered under your insurance company's network or covered under the support network. Either call the phone number on your card or check the provider's online directory to select a facility in the insurance company's network or support network. Seeking medical aid from a provider outside the network can mean that you end up with a huge bill.
If it's not urgent, it's usually best to go to your primary care doctor. Your doctor knows you and your health history. He or she can access your medical records. Plus, your doctor can provide follow-up care and refer you to specialists
Keep a copy of all bills, receipts and any other documentation that may be important to your visitor insurance. Inform the insurance company about your visits and appointments. This will help you later in speeding up your claim process.
When you visit the physician/hospital, show your insurance card to the reception/billing dept. They may make a photo-copy of your insurance card, and call the insurance company to verify your policy, and thereafter, bill the insurance company directly. In this case, you will just have to pay the deductible amount.
In the event you seek treatment outside of the network, you may be required to pay at the time of service. To find a provider in your area please visit here. If you are required to pay for services at the time they are provided, ask for detailed bills/receipts and file a claim with your insurance company.
Claim forms can be obtained from the insurance company. File a claim within the specified period, generally within 90 days from the day the service was obtained. Follow up from time to time with the insurance company to make sure everything is going smoothly.
The time taken for evaluating a claim differs between each case. It may take a few weeks or months depending on several factors. The insured needs to be careful and must keep all the transcripts, bills and receipts to ensure that his or her end of the process goes as quickly as possible.
Visitors Insurance Tips
- Keep a copy of the insurance card in your wallet at all times
- Read the fine print on your policy so that you understand the benefits and limitations
- Make a note of the important phone numbers and driving directions to local emergency facilities
Visitors Insurance FAQ
In a non-emergency situation, is it necessary to go to a provider? Can I visit any physician of my choice?
You may choose to visit any physician of your choice. However, the advantage of choosing a physician who operate within the insurance company's network is that they recognize and accept your insurance plan without any hassle. Also, their charges are often more reasonable, which makes it easier to settle an insurance claim.
Note: This information provided is very generic in nature, one must review the policy and its details for your exact coverage.