How does VisitorSecure Insurance Plan Work?

How Does the Plan Pay
Visitor Secure is a fixed dollar based limited coverage plan. The policy maximum is just the outer limit, but there are limits to every service or treatment also. The plan pays a pre-defined fixed dollar amount for every service or treatment. These specific amounts are mentioned in the plan brochure and the Description of Coverage. The policy maximum is just the outer limit.

How does the Deductible Work
The deductible is the first amount of the covered bill that is the insured person's responsibility, before the insurance starts paying. The insured person has to first satisfy the deductible, before the insurance starts paying.

Deductible applied to the Fixed Benefits
The Visitor Secure plan pays a limited amount for every service and treatment. The deductible for limited coverage plans, is applied to the fixed benefit amounts, and not the amount that the doctor's charge. For example, for a $50,000 policy maximum, the plan pays $3,300 for covered surgeries, for people below 70 years of age. Now the surgery can cost $15,000 or $40,000, the insurance would pay a maximum up to $3,300. If you choose a $100 deductible, the deductible would apply to the fixed amount $3,300, and not the bill amount that the providers charge. The insurance would pay $3,300 (fixed benefit amount)-$100 (deductible) = $3,200

Per-incident Deductible
Visitor Secure has a per-incident deductible, i.e. deductible applies once to each separate sickness or injury.
So for example if you need to go to the doctor for a fever, you are responsible for one deductible for the fever, then the plan would pay the fixed amounts for every service or treatment related to the fever (doctors visit, lab work, x-ray etc). You do not have to pay any more deductible for follow up visits of the same sickness or injury. Now if you need to go to the doctor for a different sickness or injury e.g. hip injury, not related to the fever, then, you would be responsible for a new deductible. The plan would again cover the same fixed limited dollar amounts for every service and treatment related to the hip injury.

Where does the Plan Cover
The Visitor Secure covers anywhere outside the insured person's home country and country of citizenship. It covers both in the USA as well internationally outside the 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 Visitor Secure Insurance brochure for complete details.


Plan A
($50,000 policy)
Plan B
($75,000 policy)
Plan C
($100,000 policy)
Plan D
($130,000 policy)
Dr. / Physician Visit $70 per visit, 10 visits max $85 per visit, 10 visits max $100 per visit, 10 visits max $130 per visit, 10 visits max
Surgical Treatment $3,300 per session $4,400 per session $5,500 per session $7,150 per session
Lab & X-rays $500, plus $400 for one CAT Scan, MRI or PET $550, plus $450 for one CAT Scan, MRI or PET $600, plus $500 for one CAT Scan, MRI or PET $750, plus $650 for one CAT Scan, MRI or PET
Hospital Room $1,450 per day, maximum 30 days $1,725 per day, maximum 30 days $2,000 per day, maximum 30 days $2,585 per day, maximum 30 days
Plan A
($50,000 policy)
Plan B
($75,000 policy)
Dr. / Physician Visit $60 per visit, 10 visits maximum $75 per visit, 10 visits maximum
Surgical Treatment $3,300 per session $4,400 per session
Lab & X-rays $450 maximum, plus $250 for one CAT Scan, MRI or PET $475 maximum, plus $375 for one CAT Scan, MRI or PET
Hospital Room $1,450 per day, maximum 30 days $1,725 per day, maximum 30 days

Visit Any Doctor or Hospital

Visitors Secure Insurance is a limited coverage plan, which means there is no PPO Network. When using your Visitor Secure Insurance policy, you may visit any doctor or hospital of your choice. The doctor, hospital, or other service provider may send the bill directly to the insurance company, or they may require you to pay upfront and file your claim for reimbursement later.

Disclaimer
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.