Visitor Insurance: Application Questions

Q. What information is required for filling out the application for the person(s) you want to buy the insurance for?

You need the following information about the person/persons:
1. Date of Birth and 2. Passport Number.
(if buying for more than one person, then passport number of any one person who is referred as primary applicant will do.)

Q. Whats the difference between a limited coverage plan and a comprehensive coverage plan?

A comprehensive plan offers much better and more benefits and is slightly more expensive than the limited plan.
Specific differences between Comprehensive vs Limited

Q. What is a deductible?

This is the amount that must be paid by the insured before the insurance company begins to reimburse for covered expenses. This works like your auto insurance deductible where the insured must pay a certain amount first.
As an example, if you purchase a plan with a $50 deductible and incur $15,000 of expenses, the insurance company will begin to reimburse for expenses after you have paid the initial deductible of $50.

Q. I made a mistake in entering the information while purchasing the insurance. How do I get it corrected?

Send an email to with the complete details including the policy number and the correct information. Once we receive it we will work with the insurance company to make the changes appropriately.

Q. What is AD&D and whose name should I put for the beneficiary on the application?

AD&D stands for Accidental Death & Dismemberment. It provides insurance protection if the insured's death during the coverage period is a result of an accident. AD&D also provides benefits for the accidental loss of hands, feet, eyesight, speech or hearing.
The "AD&D Beneficiary" should be any close relative of the insured who will receive the insurance benefit in the event of the insured's death. For example, if the insured is your parent you can be the beneficiary and the relationship would be "child."

Q. I want to buy insurance for 4 adults but the system allows only 2 (primary and spouse). How do I make the purchase for 4 people?

You can buy separate policies for each of them (the premiums remain same).

Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.
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